BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-29
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXXBalance {$6400.00} Date Opened : XX/XX/XXXXXXXX XXXX  XXXXBalance {$13000.00} XXXX XXXXBalance {$2200.00} Date Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
XX/XX/XXXX XXXX XXXX NJ XXXX Complaint Department Dear Sir or Madam : I recently obtained a copy of my credit report from your agency and found the following item to be in error : My credit report has the below accounts as reflecting closed accounts. The accounts have been transferred to XXXX. These accounts are in error because they closed over 7 years ago or transferred to a new account listed on my credit report. All of these accounts have the same account number as the XXXX account. Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within 30 ( thirty ) days. 

Account Numbers : Sallie Mae - Account # XXXX - Account closed XX/XX/XXXX Sallie Mae- Account # XXXX Account closed XX/XX/XXXX Sallie Mae Account # XXXX Account closed XX/XX/XXXX The multiple accounts are affecting my credit score Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital one venture card was used for 2 fraud transactions at XXXX and XXXX on XX/XX/XXXX. I disputed both on XX/XX/XXXX and I was denied for both. Capital one claimed that they were transactions made by us. However, these 2 transactions are fraudulent and I tried disputing but was denied by capital one. I have been a loyal capital one customer for years and this is the first time they have not helped with a fraud claim. However they were the ones who sent me a text on XX/XX/XXXX ( image attached ) asking me if I spent {$270.00} at XXXX and i said no and immediately called the credit card company to dispute it We were in XXXX XXXX at the time of the 2 transactions took place in XXXX ( 1.5 hours away ) and XXXX ( my fianc ) had the card in his possession and he was with me the entire day. I included 3 receipts of the transactions made in XXXX XXXX. We dont even shop at the mall where the 2 fraud claims were made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased my property from HUD in XXXX with an FHA rehab loan through XXXX. After closing the loan I expected to receive a welcome package, mortgage statement with bill and address etc. However this never came. I tried to contact the bank to find out what was going on and they told me that the construction loan had not been released. I did not understand what this meant and tried to just begin making my payments on the loan. However, they would not accept my payment and told me that I was in foreclosure. I have tried repeatedly over the last few years to straighten this situation out but it is if I am invisible. The lender claims that none of this happened, then the loan got transferred to XXXX or XXXX. Same thing, they told me they had no idea what I was talking about, I was even told there was no record of my mortgage loan. So I continued living in the property and had a renter in the other unit. Now the loan has been transferred to Bank of America and they have set a foreclosure sale date on my home for XXXX XXXX. I have tried to get to the bottom of this situation. They began sending me mortgage statements a few months ago, after 9 years of nothing. What is interesting is that the mortgage statement claims that the contractual remaining term on this loan is 29 years and 9 months. ( paperwork attached ) That means they are claiming I took out this loan in XXXX XXXX, when the title indicates I bought the home in XXXX. 

Something very fishy is going on here. I am trying to get to the bottom of it. I want to try and fix this problem and fix this loan but I ca n't even get a straight answer about what has happened with this loan, the failure to release the construction loan, why there were no statements issued etc. Of course any efforts to try and get Bank of America to allow me to apply for programs to SAVE my home are met with fierce resistance or indifference. I have never had the opportunity to apply for any type of programs that would allow me to be reviewed for retention options based on my current financial circumstances. I was never offered mediation as required in the state of New Jersey. I was never offered Occupied Conveyance. I was never allowed to be considered for any home saving programs and I do n't know why any of this happened. I really need some answers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Upon reviewing my credit report noted Capital One Bank USA on my reports for total of {$1600.00}. My total limit was {$1200.00}. I called weeks before these fees incurred to close account and was assured it was closed and my balance was less than {$1000.00}.
If requesting account to be closed why do I have a total much more than my limit?
I 'm requesting this account to be reviewed for accuracy and false reporting and charging of fees.
This report is false in fees and interest, accuracy. I requested this account to close way before the fees and penalties incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit report on closed accounts shows Sync/JCP which this account was opened in 1997 and closed per my request but on my credit reports it shows closed due to inactive. I closed this account years ago with no balance. False credit reporting. This account is also older than 7 years. Please remove account from report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage with CountryWide home loans that was a conventional6 % fixed rate loan. CountryWide went bankruptcy and Bank of Americatook over the loan and my mortgage became FHA loan without mesigning any paperwork. Then I ran into trouble paying my mortgage andcontacted Bank of America who said they were going to defer XXXX payments to the end of mto the end of my loan. What they actually did was a modification andadded 16 years to my loan and over {$16000.00}. 
When I sat in the closing with CountryWide they told me they wouldnever sell or transfer my loan that was misleading and untrue. 
I 'd like to know how my loan went from conventional to FHA and how {$16000.00} was added to my loan. 
I also took a home equity loan with CountryWide that was transferred toBank of America then to XXXX XXXX. I was charged fees for paymentsand had payments that were n't applied correctly to the loan and whenXXXX XXXX took over the loan they harassed me and threatened me onregular basis about payments,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Consumer Financial Debt Services, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Its been over a year and a half since threat calls at all hours of the night and hang ups and threats along with violations in accordance to many lawsuits held against this company for Attempts to collect a debt not owed Communication tactics Filed incorrect information on the consumers credit report False statements or representation Threatened to take negative or legal action Written notification about a debt when in deed none was sent ever and buying off old debt that was related to police reports twice and nothing but pure tactics to torture me because I simply one once before when they tried to take me court and I simply not only had it resolved but because Im on XXXX and have no means to pay they are purely torturing me now. 
Just because I made past payments on this account more than 6 years ago doesnt mean I owe the debt. Some of us are simply not wanting out perfect credit to go down the toilet until we cant keep up paying debt that is no longer ours because we are victimized twice of identity theft and have already shared this info with this company and they still allow themselves too literally add to collections without notice nor hesitation that the debt has not been backed up by any letters and they lied to the Government to keep this on collections to hurt me and many others so they think Im gon na wait for 7 years for over a XXXX credit to just drop off my credit? Im not, Im taking action and I will not stop until this is removed from my credit report the calls stop the threats and hang ups stop and o thought since the last class action settlement they changed the way they robocall? No its all a lie and they continue to threat and threat and never validated any debts only because I paid on the account in 2013 they think I have not been through enough trying to get the company to close this account and have it removed from my credit reports and then they slide in and put the account on my collections the same day it was dropped off and this is double jeopardy and illegal and they have showed me nothing by grief and now not only anger but like I said I am giving them one last chance to fix this and remove this instead of acting like children and making malicious threats especially when they dont know me or my mental status. They should rethink what they say to people and I am too say no more at this time. CONSUMER FINANCIAL PROFITS FROM VICIOUS AND ILLEGAL STANDARDS TO OPERATE THIS SO CALLED BUSINESS AND NEEDS TO STOP ONCE AND FOR ALL.

Company response to consumer: Untimely response
Consumer complaint received 2016-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was informed by Bank of America that I have qualified for a mortgage modification. I received the new mortgage as well as the new terms. However, two days ago I received my old mortgage statement as well as a bill to pay my old mortgage. As I understand, the new mortgage replaced the old mortgage. I now have XXXX mortgages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: Seterus, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hi.. This is a 5 year horror show. My loan was never late. It was paid from an automatic pay directly from my bank account. I was struck with XXXX in XXXX. I asked XXXX/Seterus about a mod. They said I 'd have to fall behind 2 months to apply. ( another story ). So after several months of trying to get off auto-pay, I finally feel behind. $ XXXX/month and I paid my taxes and Ins. Well since then I 've had several Mods. Some were voided because of incorrect info from XXXX XXXX XXXX, others were voided after I successfully made my Trial Payments. They added all kinds of Fee 's and my Priciple and Interest went up approx. {$15.00}. After XXXX years of paying my mortgage, my P and I is {$2000.00} more than when I started.. Now they have offered me another Mod. thru my HUD councillor. I 'm making these Trial payments now, so as to not forclose me. They added 10 years to my mortgage. 10 years. From a 30 year to a 40 years.. I need help.. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have inquiries on my equifax that i did not authorize they arent linked to any accounts on my credit file. I advise them of the discrepancies but all they did was send me a letter. Stating that companies can pull your credit for offers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: NOVA Financial Holding Company, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my home with Nova in XXXX of 2021. The process was seemingly smooth throughout the transaction. We were told the loan closed and funded and it was a done deal. Within a week, title asked for an additional $ XXXX dollars due to an error with final pay off and taxes. We would get this money back in a refund eventually. Two and a half weeks go by and our old loan carrier still shows our old loan as active, and now late on a payment. This was found through my own research, nothing from Nova. Finally, on the XXXX and XXXX of XXXX, XXXX XXXX addresses the issue and gets everyone scrambling to fix it. By now, the old loan had accrued {$500.00} is interest as it was not paid off by NOVA. I was 1 day away from a 30 day late on my mortgage that NOVA was hired to handle. The same loan that was supposedly funded and closed on XX/XX/XXXX. I then had to pay an additional {$500.00} on the last day of the month so the pay off would go through. By this time I had paid over {$1200.00} that was not listed on any closing cost or final closing docs that I signed. 

I contacted the old loan carrier, XXXX, who provided me with information that the payoff wire that Nova sent was short on funds and immediately rejected. There is email documentation that XXXX sent back to Nova with the urgent matter. This matter and email were never addressed or responded to. I then contacted XXXX XXXX of Nova looking for answers and perhaps some accountability. All I got was everyone blaming everyone else and no one owning up to the mistake. I have tried to resolve this issue with Nova and XXXX since XXXX of 2021 and I am still getting brushed off as of XXXX of 2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my credit report and noticed two inquiries I did n't authorize. I 've called Transunion they told me call the creditors. I called them and they told me call Transunion. This is very insane. The two inquires are : 1 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX ( XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Experian Information Solutions Inc.
State: GU
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
If this is the final for my dispute with XXXX I satisfy dated below. XXXX CREDIT FILE : XXXX XXXX, 2017 Confirmation # XXXX Please inform the other credit Bereu including the personal finance and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I had an Auto Loan with XXXX XXXX that is paid off but showing a balance. I spoke with my Personal financial Consultant on this matter XXXX XXXX XXXX ask me to get a letter from XXXX XXXX showing the balance is " XXXX ''. I like to address the issue with you concerning Equifax reporting tactics on my credit report. This is not a frivolous dispute and the word dispute needs to be removed off my credit report because this is a legitimate case and I will be providing the letter from XXXX XXXX. So, that Equifax can change the balance owed to XXXX and take the word dispute off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
TransUnion has several systemic issues in addressing consumer complaints. :1 ) If new information or documentation is provided regarding a dispute, TU automatically claims the dispute is frivolous as the " account '' has already been verified. 

2 ) While TU may not be required to investigate information from judgments/public records, they should at least make certain the information matches the public records! 
3 ) TU is not considering the original date of delinquency to establish the date the item will be removed. 

I have included the public records that clearly states the " filing date '' of a judgment is XX/XX/XXXX and the filing date on my TU report ( also included ) states XX/XX/XXXX. The other CRAs immediately removed this item when I brought it to their attention. After XXXX dispute attempts with TU ( most recent dispute attached ), I have decided filing a complaint is my best course of action. 

This error on my TU report is preventing me from purchasing property. This is unfair and is in violation of the FCRA. 

Thank you for your consideration, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-04
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The law firm of Pressler and Pressler LLP in XXXX NJ has been filing suite against me in the local county courts and I have been requesting the required information on the debt since they had XXXX contacted me and they have not yet done so, I have repeatedly advise them it is not my debt. Through my own research with what little information they have given me it appears they and their partners have purchased some kind of written of credit card which has nothing to do with me. The courts set a trial day for XXXX XXXX however upon arrival I had been informed it had somehow be decided on XXXX XXXX, additionally each time I receive any notifications concerning the debt they have provide a different name for the entity claiming to own the debt further confusing the issue and from the articles I have found is a tactic they often use, I have been informed the firm is currently under federal investigation for using similar actions in violation of the Federal Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have several accounts with US Bank since 1995. I moved from the XXXX, XXXX branch to XXXX XXXX, XXXX 8 years ago. I continued to bank with US Bank with our business account however our personal accounts were moved to XXXX  XXXX XXXX. This was due to there not being a local US Bank within XXXX. I contacted the branch in XXXX, XXXX to close a personal account that has been stagnant for 8 years. I provided every verification needed to identify me as the account holder and I was told that i could not close the account because there was a XXXX XXXX as the mailing address in XXXX, XXXX.I asked what the process is to change this XXXX XXXX to my address on file with all my other accounts at US Bank and I was passed along from the branch to online business back to personal online with no solution on how to change the address without flying to XXXX and physically walking into the branch bank and requesting. The timer on my cell phone registered 9 different phone calls totaling 237 minutes. The customer service is absolutely unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief