BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My account was closed due to a fraudulent glitch my account was closed then reopened I recently called I have to claims that have been reopen and two sent out for an escalation I still have yet to receive a single payment please help me I dont know what else to do bills are piling up and I cant wait any longer I need a resolution for my situation now Im so lost and XXXX at this point please help me.

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 2020-08-16
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- AUTO ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 have sent TransUnion dispute letter to remove the inquiries. I didn't get any response and they have not remove the inquires off my CR

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 2020-01-13
Company: ARVEST BANK GROUP, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Ocwen Financial Corporation
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Conn's, Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
CONN APPLIANCES INC., an account that was closed and charged off in 2015, has persisted with reporting charge offs every month. I have disputed this with the bureaus twice this year informing them how it is a violation of the FCRA and is inaccurate reporting. The creditor nor the bureau has removed the account in question as a result of their failure to follow the FCRA. This account has a total of 53 charge offs ( 4 years ) and has harmed my credit score tremendously. This is illegal and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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

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 2021-04-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed to have a three bankruptcies removed from my credit report. The third party verifier stated in writing that they could not verify the information and removed it from their files. The credit reporting agencies continue to state verify as accurate even after I sent them a copy of the letter.

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 2018-04-05
Company: Nelson Cruz & Associates LLC
State: MA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received several voicemails for past month from this company since I never got anything in writing from XXXX associates it sounded like a scam. Plus my family members phone as well, one person said I won a cruise?? Another saying somone taking me to court XX/XX/2018 XXXX contacted at me at my job in regards to a debt from a student loan account, representative contact me saying it was a personal issue, explained they are a law office not a dept collection agency working for XXXX XXXX trying to contact me on my cell. When I asked not to call me at work there response was, since we are a debt collector we will take it into consideration but we can contact you at work if you wil not Work with us. Asked representative for a call back number which she provided. Advised I will call in 15 mins when Im on break. 

Called back at XXXX, a little later since I am at work! Reach another rep who said she was a supervisor this final landed on her desk today and the company they are working for is getting ready to take me to court. I got upset and asked who are they she explained, XXXX XXXX XXXX XXXX not a collection company a law office they have lawyers so they are able to call my job, phone or family members if they need to reach me at any time ... then went on to say she can settle a debt over the phone if I give a credit card. I explained I dont feel comfortable 1 ) I never heard about this debt. 2 ) I want something in writing 3 ) Im going to contact company before I pay anything. Her response during conversation, we will garnish your wages if we have to, asked for my social security number which I didnt provide since I have no clue who they are, said she will get a lawyer on the line. Asked for my job info, my response was the other representative just called my job why dont you know information? No response. And no they can not mail a letter but can email it including a settlement amount. If I dont pay today it will go up.i never agreed to an amount since I wanted to see something in writing. There is no company license number on letter. Took 30 mins to email letter. I explained once I receive letter and contact XXXX XXXX I will call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  # XXXX is reporting an account to my report that I do not owe. I never received my 30 day notice for this debt and as soon as I saw it was on my credit report I paid it. They are still reporting a balance and I need it removed immediately as it is paid and in violation of my 30 day right to dispute.

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 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit score was lowered by 19 points due to XXXX raising my credit score, and when I did not use the available credit, they lowered the credit line which caused my credit score to drop. It look as if the company lowered my credit line. My payments have been on time for the entire time the account has been oprn.

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 2017-08-07
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
GREETINGS, I MADE ATTTEMPTS AT REACHING OUT TO ALL THREE CREDIT BUREAUS IN REGARDS TO INACCURATE INFORMATION THAT I DISCOVERED ON MY CREDIT REPORT. XXXX REPLIED THAT ALL INFORMATION HAS BEEN VERIFIED AS ACCURATE, I AM UNSURE OF WHAT MEANS THEY HAVE USED TO PRODUCE THEIR VERIFICATION, HOWEVER, I SATISFIED BOTH OF MY CONTRACTUAL AGREEMENTS WITH XXXX XXXX XXXX XXXX AND XXXX AND NOW THEY ARE BOTH APPEARING ON MY CREDIT REPORT. PLEASE HELP ME RESOLVE THIS ISSUE. I FEEL LIKE THESE BUREAUS ARE HOLDING ME HOSTAGE.

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 2016-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have had several auto loans with Bank of America, all paid on time and in good standing using their eBill auto-payment functionality. In XXXX of 2016, I logged into the BofA website and added an additional bank account to my profile that may be used for bill payment. I kept the original account on file, as this was tied to the auto-payment. Apparently, the addition of the bank account caused a failure in the XXXX auto-payment. I noticed on XXXX XXXX that the funds hand not been withdrawn from my account and logged in and manually paid the outstanding amount for XXXX and XXXX. The website shows the payments were accepted and the funds were withdrawn from my bank account. Between XXXX XXXX and XXXX XXXX I received 21 auto dialed calls. On none of which were messages left, nor was any email or mail sent to inform me of my late status. The calls were automatically blocked by the built in XXXX XXXX XXXX call protection service as spam/scam calls. I 'm filing this complaint because they are clearly harassing myself and others. When I noticed the number in my call protection logs, I called them on XXXX XXXX and they stated they did not show my payment as being applied, even though the funds were already taken out of my account. I was told the calls would continue until the payment was posted. I do n't think it should be possible to take someone 's funds and continue to harass the borrower. I have a credit score of XXXX and have never missed a payment with BofA until their technical failure caused XXXX 's issue. I remedied the situation within 30 days and did n't even request or receive credit for the late fees applied. Clearly, their automated processes lack oversight, timeliness, and reliability. This type of irresponsible harassment should not be something borrowers should have to experience.

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 2016-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2010 I filed for Chapter XXXX bankruptcy in the U.S. Bankruptcy Court of Nebraska which was approved XX/XX/2010. At the time the largest debt was a mortgage which was held by Bank of America at the time of the bankruptcy ( previously the loan was owned by Countrywide Mortgage. This was a refinanced mortgage from an XXXX loan that we used to initially purchase the home. At the time of the bankruptcy I was going through XXXX for the XXXX. After the bankruptcy was approved my wife and I have tried everything imaginable to give the home back to the bank with zero success. We returned the keys to the bank, cleaned the house- moved out. We hired an attorney to try to conduct a short sale on the house, which the bank made so difficult it was impossible to short sell the house to repay the bank as much as possible. About two years later while I was XXXX at XXXX, TX I was contacted by a representative from BOA who tried to get me to rework the loan despite the fact that the mortgage was discharged in bankruptcy. I tried to explain to him that there was no loan to " rework '' because it was discharged in bankruptcy. He became very belligerent and I calmly explained to him that his behavior was n't permitted per the paperwork I received from the Bankruptcy court. He calmed down and claimed that he would do some more research after I gave him the bankruptcy case number and other info concerning the bankruptcy. Several months after that time my wife and I began receiving statements from BOA claiming that they were paying lawn care ( which we have learned has not been taking place according to our prior neighbors who claim that the city has been mowing the grass ) and homeowner 's insurance on the property and reflected an outstanding balance. Then BOA sued my wife and I in a foreclosure case in County Court. Finally we sought the assistance of a Legal Assistance Attorney with the JAG office here in XXXX where we are now stationed. We tried to settle this case by offering to execute a Deed in Lieu of Foreclosure which was sent to the attorney representing BOA. She submitted the settlement offer to BOA who refused the settlement offer because they claimed incorrectly that there was a HUD lien from the original mortgage that Bank of America ( or the predecessor Countrywide ) did not have cleared when they assumed the loan.

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 2015-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My sister transferred funds from my mother 's HELOC accountto her personal account per Bank of America. These transfers occurred approximately XXXX years after our mother died. 

Original HELOC had XXXX co-signers. XXXX are deceased and I am the third. B of A suspects my sister represented herself to be our mother and made transfers of approximately {$300000.00} between XXXX and XXXX. 

My sister continued to make all interest payments. Further she sold house, collateralizing the HELOC XX/XX/XXXX and made no principal payment from sale proceeds, yet she provided the buyer a Warranty Deed. Bank of America charged off the HELOC in amount of {$340000.00} XX/XX/XXXX and it appears on my XXXX credit report. I had no knowledge of this until XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: Dovenmuehle Mortgage, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan with Dovenmuehle XXXX XXXX was paid off in XXXX of 2021. I have reached out to them multiple times to receive the deed and have still not gotten it. I'm trying to sell the property and need the deed to complete the transaction. 4+ months to get this me is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2019 tried logging into my account to pay bills and it said my account was locked and contact number on back of the card XXXX I have been on phone on 2 different occasions for over 1 hour first call now over an hour and 22 minutes still no answer to have my card unlocked so I have no access to use my money while account is locked the card is with US Bank

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 2016-10-27
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and I received a fraud alert in regards to unauthorized and fraudulent inquiries listed on my Equifax credit report. The following inquiries are unauthorized and fraudulent : XXXX XXXX, XXXX XXXX, XXXX XXXX Bank, XXXX, XXXX, XXXX XXXX XXXX Bank. I should not have any credit inquiries on my Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Lost $ XXXX down payment due to wire fraud. A portion ( {$27000.00} ) was frozen by the bank, but they refuse to return it. 

Per UCC - Article 4A - 205. ( a ) ( i ) the transfer was to a beneficiary which was not intended by the sender. 

Per UCC - Article 4A - 402. ( a ) ( d ) If the sender of a payment order pays the order and was not obliged to pay all or part of the amount paid, the bank receiving payment is obliged to refund payment to the extend the sender was not obliged to pay, plus interest. 

Bank of America ( BOA ) is the sending bank, the receiving bank, and the mortgage lender. 
BOA was informed of the Fraud several ways & provided evidence. Initial payment order explained intent & true beneficiary of the transfer. A series of short investigations confirmed both fraud & true intent. Despite investigation findings, BOA refused to return the frozen portion. 

BOA further enrich themselves by waiting until a second down payment was procured & mortgage was closed before offering a return. The return was contingent on receiving a notarized release. They gained holdings, plus caused tax liabilities & interest loss because due to their refusal. 

After gaining all they could, BOA offered to return the money contingent on receiving a notarized release. The release waives all damages & prevents info regarding the incident from being shared publicly.

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 2020-08-16
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
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've gone for a home loan and they pulled up the report and find many hard inquaries that are not due to my asking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: CITIBANK, N.A.
State: MT
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've gone for a home loan and they pulled up the report and find many hard inquaries that are not due to my asking.

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