BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Dear CFPB : In XXXX, I thought that my personal information ( especially SSN ) may have been compromised, so I looked for a company that could monitor my personal information. I found TrustedID and signed up for a reasonable plan that covered my family for {$160.00} annually. I provided also sorts of personal information so that TrustedId could monitor against that information and warn me of any issues. It also offered {$1.00} XXXX in identity theft protection. 
For the first few years, I was happy with TrustedID 's service. I could check my on-line risk to see whether my personal information was exposed on-line in a risky way. For the first few years, TrustedID 's on-line risk assessment indicated my risk was low, and the occasional review helped me to reduce my risk. 
Then maybe 4-5 years ago, the assessment began to indicate that my risk was at the highest level. It was not clear how or why that happened. Did a better assessment method reveal places where my information had always been exposed? Was the assessment completely false? As I recall, TrustedId offered me services for a fee to have my information removed from those sites. Instead I asked the sites that exposed my information, in accordance with their procedures, to remove my information. Doing that never seemed to lower the result ( the highest risk level ) of TrustedID 's risk assessment. I grew unhappy with the service, not knowing whether TrustedID was taking my annual fee and providing nothing real in return. ( In retrospect, I think that it might have been doing exactly that. ) Only earlier this year in XXXX did I decide to cancel my TrustedID subscription. On XX/XX/XXXX, TrustedID refunded {$54.00} of my unused annual fee. If I knew that Equifax owned TrustedID, I certainly forgot that until the recent news of Equifax 's data breach. News of the breach and subsequent revelations have got me thinking that maybe TrustedID HAD BEEN taking my annual fee and providing nothing real in return. I am wondering whether the CFPB has received similar complaints or concerns about TrustedID. If so and the concerns are true, I think that I should be entitled to receive a refund from TrustedID totalling my net annual fees paid for the past five years. Any assistance that the CFPB could provide on this matter would be greatly appreciated. Thank you very much. I look forward hearing back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/XXXX, I experienced the following : - My name was added to a credit card as an authorized user - The statement was set to generate XX/XX/XXXX. 
- The balance was paid, leaving approximately a {$50.00} balance - The payment was made via phone, because the online system was malfunctioning - The customer service rep advised us that payment would be applied and posted that day That did not happen and the credit card reported with a much higher amount, a maxed out balance. This is a problem for me, as I am in the process of closing on a mortgage. This reporting of the incorrect balance has dropped my credit score 40 points. I need the balance updated with all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Experian Information Solutions Inc.
State: SC
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:
Unauthorized inquires on my credit report I have contacted each company waiting for a delete and remove letter. 

XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX  XXXXXXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/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 explanation
Consumer complaint received 2016-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Late fee

Complaint:
I am XXXX and I have a bunch of bank accounts and credit cards. I tend to watch things using wave accounting which generates reports covering everything making my life easier. Today I received the following report : XX/XX/2016 LATE FEE FOR PAYMENT DUE XXXX $ Uncategorized Expense MBNA Card I hope to prevent this in the future as I have put an " event ' in my smartphone calendar to remind me to pay it on the XXXX of each month. But I sincerely wish that Bank of America would notify me by email a day BEFORE they access the penalty, rather than using a big " net '' to rake in money from thousands of card holders who may make the same error I did. This is not fleecing XXXX, but I am sure they make lots of money this way and I believe that as a courtesy they should automatically send me an email a day in advance so that I may remember to pay it, rather than hitting me over the head with a hammer with a {$37.00} charge. I am a good bank of america customer, but I am afraid that there is some XXXX somewhere in the Bank of America corporation who gleefully manages the collection of these charges.

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 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hello, I have a couple of accounts on my report that do not belong to me they are identity theft related and I have already sent letters to them and my police report and they still have not fixed the issue. One issue is a chase account on transunion XXXX CARD ( XXXX ) C/O ( {$61000.00} ) XX/XX/XXXX TU and the other is a XXXX on XXXX XXXX XXXX ( XXXX ) C/O ( {$14000.00} ) XX/XX/XXXX EQ. 
I also have multiple inquiries on my XXXX and Transunion report that they have not removed even after sending a letter along with my police report. XXXX inq 's XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FACTUAL XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FACTUAL DATA FACTUAL DATA XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2017-10-08
Company: AES/PHEAA
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
This company does not care about its loan Borrowers. Their website is terrible you can not sign in I called them to resolve it and I still ca n't sign in. I do n't even have public loan forgiveness anymore so I should be transferred elsewhere and they could n't be bothered either way. I believe I received incorrect information from the customer service. And I am incurrening interest while trying to pay these bills down due to the negligence. I also use their email to contact them to complain and never received a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We started with XXXX XXXX, then XXXX XXXX and now Selene Finance. 

We have submitted so many documents to XXXX XXXX, We submitted so many packages to Loan Care and thought we were in the final stages of getting a loan modification with a sizable down payment and then we were notified that the loan has been transferred to Selene Finance. 

Selene Finance does not want to hear anything about what was sent to XXXX XXXX  before they took over my account. 

I have also received a Summons & Complaint to foreclose on my home. 

We submitted documents to XXXX XXXX on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX We received a confirmation from XXXX XXXX Customer support acknowledgment from XXXX XXXX with Ticket # : XXXX Then more requests on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX Missing documents and request for a new RMA. 

We have started over so many times with XXXX and now Selene claim they do not see my application from XXXX XXXX and I received a Summons and Complaint Please help!

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 2017-01-20
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I, as many people my age, was told I needed a degree to get a descent paying job. I was n't able to afford to pay for college outright so I was forced to take out student loans with the promise that I would earn enough money after graduation to make payments in them, and make a living. I now work just to make payments on my student loans. The XXXX loans ( with XXXX different servicers ) have more than doubled in amount due since graduation. I, also like many people my age, was unable to find a job that covered my minimum monthly payment ... much less a job that was even in the degree I studied for. This forced me into " income based repayment '' programs that barely ( if at all ) even touch my principle balance. I make payments every month and my loan amounts keep rising. Recently, with Navient, my " program '' lapsed, and they stopped withdrawing the monthly amount. I tried more than several times to call them only to be left on hold for over an hour, disconnected on, or just endlessly transferred to people who could n't properly explain the different loans, and the money I owed. When I finally got through to someone who said they could help me ( now 3 months past due ) I was told I re-qualified for the " Income based repayment '' but when I tried to set up the payment was told I had to also set up payments for the past due amount. With my bills continually rising, and my hours at work being cut, this was n't an option. If I could give my degree back in order to put of this the DROWNING amount of debt I would! I work hard, and want to pay my bills on time, but now that I owe more than double what I borrowed it has become impossible. I get around 7-8 pre- recorded phone calls from Navient every day, and this is a huge point of stress that I deal with EVERY day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Exeter Finance Corp.
State: NC
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 been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times. Ssn XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have contacted all three Credit Bureaus/Agencies XXXX XXXX XXXX XXXX, TransUnion ) and the Creditors ( Bankruptcy Chapter XXXX ( 2 ), XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

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 2021-10-14
Company: CITIBANK, N.A.
State: PA
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 checked my credit report from XXXX and from XXXX and I noticed, hard inquiries on my credit report that I do not recognize nor did I ever authorize. I immediately called the companies who the hard inquiries were made with and they told me that I needed to speak with XXXX and XXXX directly. 
I then contacted XXXX and XXXX and they told me that I needed to speak directly with the companies again to remove.

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 2016-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan with Bank of America has reached 78 % of LTV ( my equity is 22 % ). They are refusing to Automatically cancel my PMI. According to HUD documentation ( XXXX ), " The law provides XXXX situations in which borrower paid PMI may be cancel - it can be automatic or by request. Lender-paid PMI is excluded from these mandates, but requires an up front disclosure to the borrower about lender-paid PMI. 
The XXXX cancellation situations are : Automatic. In general, when the homeowner 's equity position reaches 22 percent of the original value of the property, the mortgage servicer must automatically cancel the PMI. The borrower must be current in making payments for automatic cancellation to apply. " According to CFPB documentation ( XXXX ) " Automatic PMI termination Even if you do n't ask your lender to cancel PMI, your lender still must terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. You also need to be current on your payments on the anticipated cancellation date. Otherwise, PMI will not be terminated until shortly after your payments are brought up to date. 

It 's worth noting a termination request is different than a cancellation request. Your lender must terminate PMI even if the principal balance of your loan has not actually reached 78 percent of the original value of your home - for example, because the value of your home declined. '' I have never been late on a payment, and have always paid extra principle. My loan is over 5 years old. 
The lender is basing their denial on the " scheduled '' date when I reach 78 %, which would not have been until XX/XX/2017, but since I always pay extra principle, that date has arrived sooner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I filed a complaint last year regarding XXXX XXXX, they told me because my loan was not in default they could not do anything further. I have no interest only payments left and have been paying my loan every month however the payments are very high. My loan is now being serviced by Navient and I can not get through to someone, I would like to settle or negotiate my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
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: Old information reappears or never goes away

Complaint:
I have written XXXX letters to XXXX ; XXXX in XXXX XXXX & XXXX in XXXX XXXX to have them remove numerous out dated accounts over XXXX old still being reported and/or on my credit report, many incorrectly reported status of accounts that are not in collections and/or XXXX yrs in state of NY expired alleged debt are still on there.

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 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XX/XX/2021, the agent provided the incorrect amount of XXXX, resulting in me being reported as 30 days late because the amount was XXXX. 

The agent is maintaining that I was informed that they informed me that the amount XXXX, but that was not what I heard the agent tell me. 

I am clearly disputing that I was furnished the incorrect past due amount that resulted in me being reported 30 days late because I did not pay the current past due amount.

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 2016-02-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
Have a revolving CC account with Chase. Recently paid all but a couple of hundred dollars against a very large balance ( on time ) and got hit with a huge interest fee charge because the whole balance payment was n't made. Interest should only apply to the unpaid balance. 
Previous Balance {$5200.00} Payment, Credits {$5000.00} paid XXXX Interest Charge {$50.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-09
Company: Midwest Recovery Systems
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 received an alert that a collection account had been added to my credit report. I pulled my credit report to find out what this collection account was for. Well the collection company is trying to collect for an online payday loan that they have no legal authority to collect on as the loan was not legal and the State of XXXX issued Desist and Refrain Order and Order Voiding Transactions and to Disgorge All Charges and Fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have written XXXX letters to XXXX ; XXXX in XXXX XXXX & XXXX in XXXX XXXX to have them remove numerous out dated accounts over XXXX old still being reported and/or on my credit report, many incorrectly reported status of accounts that are not in collections and/or XXXX yrs in state of NY expired alleged debt are still on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: LD Holdings Group, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied to refinance a conventional loan to va loan. When locking in the rate I had to pay an appraisal fee of {$490.00} and a credit report fee of {$21.00}. A few days later the loan was cancelled due to a 6 months seasoning requirement on the current loan to refinance to a va loan. I even asked the loan officer multiple times to make sure it could be done as other banks had told me similar. Loan officer could see all this information from the initial credit report but still told me loandepot would be able to do it. After a few weeks I finally got an email stating that only the {$490.00} appraisal would be refunded. Loan officer said credit report fee would not be refunded even though the cancellation of the loan was due to their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equfax has refused to put a freeze on my credit report! 
Equifax XXXX XXXX are committing fraud I have never filed a chapter XXXX bankruptcy! These 3 credit bureaus are hostile when you call them they are refusing to remove the false fraudulent report of a chapter XXXX! The court papers state THERE WAS NEVER A MEETING OF THE CREDITORS MEANING NO MEETING WITH THE CREDITORS NO BANKRUPTCY! In order for a bankruptcy to proceed you have to meet with the creditors The court papers from the judge that was mailed to all 3 companies says clearly THERE WAS NO MEETING OF CREDITORS! Remove the report of chapter XXXX bankruptcy immediately this is fraud, slandering lies intimidation! If all 3 credit bureaus continue this fraudulent report all XXXX companies are agreeing to pay me XXXX XXXX XXXX dollars! Cease and desist the credit bureaus report of a chapter XXXX bankruptcy! I do not owe medical bills I have XXXX & XXXX I never get bills and the credit bureaus continue committing fraud by allowing report without verification! Remove the collection allegations if you do not discontinue this non verification reporting you are agreeing to pay me XXXX XXXX dollars for slander fraud intimidation damages cease and desist reporting as of XX/XX/2021

Company response to consumer: Closed with explanation