BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have been doin searches for the Bank of America and XXXX XXXX for the last year and a half since they stole my home and caused my kids and I to be homeless. They took over XXXX in equity that i had In my house, which i lived in since XXXX. 
They violated every part of the XXXX XXXX XXXX there is to violate. They lied, forged documents, stopped responding to me, led me to believe they were going to help me, never provided any viable solutions by keeping me in the dark until finally, while under the guise of reviewing documents that they said they never got, auctioned my home in XXXX XXXX. 
Sound familiar???? It should because last XXXX, the CFPB sued them for this exact situation and recovered XXXX XXXX dollars as a result of these corrupt and common practices. 
So I ca n't hire a lawyer because they left me penniless and homeless. They were able to sell my house at auction within a minute of it going on the auction block. Sound fishy? Of course it does. They did n't even have the right paperwork for the deed. Everything was falsified. 
They were outside of the legal time allowed to go after us for the Debt. They did not ever even attempt to contact my ex husband who was on the title to the loan and the seed, at any point in time. 
They were guilty of dual tracking, falsifying documents, false signatures, robo signing, assigning me to XXXX point of contact, etc. The list goes on. 
What happens with the money that was won in this lawsuit? Do I get any of it? Can u get what is due to me from the equity I had in my home? I lost EVERYTHING in the house. All of my pictures, XXXX in antiques and furniture, tools, kitchen items, clothes for All of us, documents, files, paperwork, etc. I do n't think I am asking for anything outside of what was mine. 
If I did this in a store, I would go to jail. You can not take what is not yours to take. You can not falsify information, to suit your cause or intention, to acquire possessions. It is wrong on so many levels and has to be illegal. 
The CFPB 's job is to protect the consumer. My question is this. When the CFPB collects money from a company that has taken illegal and wrongful action on individuals who were directly affected by such wrongdoing, where does thst money go???? Whos hands does that go to? Please help me to understand how and why this can happen in our country. And help me to undestand when a company has to pay money, based on people 's financial demise and solely on evidence and factual data proven by a judge who has determined that the accusations are In fact valid and can not be argued, then how is my share of that money, that I feel I am entitled to, going to end up back in my hands? Will it ever? Thank you for your time.

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 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
TO THE CFPB PLEASE MAKE SURE THE CREDIT BUREAU FINALLY ABIDES BY THE LAW My initial dispute 6 TO 7 WEEKS AGO was detailed and related to the account in question. A template response will not be an acceptable response. YOU DID NOT SUPPLY ALL OF THE INFORMATION PREVIUOSLY ASKED FOR ACCORDING TO F.C.R.A. 611 ( a ) ( 7 ) in a timely manner, 30 days as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of these item from my credit report. I AM ENCLOSING THE 1ST DISPUTE LETTER WHICH ASKED FOR A COMPLETE DETAILED INFORMATION FROM SOURCES YOU USED TO VERIFY MY DISPUTE. YOU FAILED AND ARE NON- COMPLIANT SO YOU MUST NOW DELETE ALL INFORMATION IN THE FIRST AND SECOND LETTERS ATTACHED.

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 2017-09-09
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted Chase on XX/XX/XXXX after receiving a XXXX for tax year XXXX for a principle forgiveness. I spoke to XXXX XXXX to inquire as to why I was receiving another XXXX in XX/XX/XXXX when I had already filed my taxes in XXXX. Also, I was responsible for claiming the full {$24000.00} but the deferment is in increments of {$8100.00} for a total of three years. I stated I 'd only received one deferment so why did n't the XXXX reflect the amount allocated to me. I was transferred to XXXX in the mortgage department who transferred me to XXXX XXXX in Servicing Escalation department at XXXX XXXX. I was transferred at XXXX XXXX to Default Modification Escalation Department  where a case # XXXX was created to address my concern. I was advised I would receive a call back in 48 hours to no avail. I contact Chase on XX/XX/XXXX at XXXX XXXX and spoke to XXXX Escalation Supervisor regarding the case for my XXXX, if it would be changed to reflect the correct amount, or if they 'll take the full amount off the principle immediately. I informed her my next anniversary is in XX/XX/XXXX for the second payment to be applied to the principle. She denoted she was waiting on a follow-up request from the back end department and some one would call me back. I received a call back from XXXX XXXX from the escalation department at XXXX XXXX. He opened up another case XXXX with the back end department and they were the ones to send over discharge information to the IRS but will see how they wish to proceed. I 'd receive a call in 7-10 days. I contacted Chase on  XX/XX/XXXX at XXXX because I had not received a response and spoke to XXXX in the escalation department. She read XXXX notes which stated that the IRS request the full discharge amount to be applied during the year the modification was initiated. I expressed my dissatisfaction with the explanation because I 've filed taxes for the full amount and could possibly default but have n't and they 've sent the information to the IRS. It does n't make sense. Will I receive another XXXX for XX/XX/XXXX  & XX/XX/XXXX? Will the amounts be at XXXX is the question I proposed to XXXX? I was suppose to receive a call back by XX/XX/XXXX with a response and have not received a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2022 I called Equifax because my Credit Score will not display on any of my Credit Reports. I am contacting your agency because this issue was suppose to be resolved in 72 hours but I still don't have a Credit Score from Equifax. Please can you rectify this important issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Trouble with escrow and getting accurate payments since XX/XX/XXXX. On that day, spoke with XXXX over a {$120.00} escrow shortage. Put check # XXXX in mail same day for {$150.00} to cover shortage plus! Instructed to pay {$890.00} as new payment confirmed by XXXX on XX/XX/XXXX. Mr. Cooper kept sending statements wanting {$900.00}.????? 
In the bottom of XXXX statement see where they were late and MISAPPLIED the {$150.00} on XXXX WHY? Had to call again on XX/XX/XXXX spoke with XXXX who also elevated this call to XXXX They confirmed my payment to be {$890.00} as XXXX stated on XX/XX/XXXX. 
BUT my statements from Mr. Cooper in the upper right corner wanted {$890.00} but in a pie diagram on the left stated $ XXXX made no sense. This is when Mr. Cooper started tacking on {$2.00} overpayment fee. ABSOLUTE XXXX!!! I can only pay what is clear and confirmed to me NEEDS to be paid!!! Talked to XXXX on XX/XX/XXXX he stated again to pay {$890.00} because again this statement has XXXX different amounts on it plus these {$2.00} fees again but emphasized now I had another escrow shortage of {$30.00}. So I sent check # XXXX for {$950.00} for mortgage payment plus escrow. These fees were supposed to be cleared out! Then my XX/XX/XXXX statement shows up I immediately asked to elevate the issue- same XXXX  with XXXX different amounts and another {$2.00} overdue payment fee. 
Talked to XXXX now on XX/XX/XXXX she wanted another {$140.00} in escrow money and she would also correct ALL these {$2.00} fees collected for their errors. Did an e-check with her only to get another XXXX statement on XX/XX/XXXX. Called XXXX XXXX twice on XX/XX/XXXX, once on XX/XX/XXXX and again on XXXX XXXX NOTHING!!! 
I e-mailed XXXX XXXX, XXXX & XXXX of Nationstar on XX/XX/XXXX at XXXX. 
Then XXXX wants to call me, I told her I sent the e-mail and didn't want to talk to her. So she has another lady called me and my response was the same to her. 
XXXX XXXX HAS NOT responded or even acknowledged my e-mail. How am I expected to maintain a mortgage with service like this? I pay what they tell me and they tack on fees. I am ready to move my mortgage if XXXX XXXX can't/wo n't take responsibility for this mess and file suit against Nationstar/Mr. Cooper if I end up with a higher mortgage than I had. This needs to get fixed and credit for all the fees and just STOP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My information was released along with that of many other consumers in the Equifax hack, putting me at risk for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, 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:
FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Account charged off. {$110.00} written off. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$710.00} XXXX XXXX account. {$710.00} written off. {$710.00} past due as of XX/XX/XXXX. 
AD XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$990.00} XXXX XXXX account. {$9.00} FCRA violations : inquires not mine XXXX  XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX & XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$24000.00} Status Open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Due to a family death and the XXXX pandemic, I have been affected financially. I fell behind on payments for all three of my accounts. 
In XXXX, I contacted Amex via telephone and I also chatted online with Amex on several occasion, the last being a live chat requesting information regarding your Financial Relief Program. Unfortunately, according to your representative, I did not qualify for your program. I was never over 90 days late on either of my accounts. Two of my accounts have now been canceled. I went online in XXXX, XXXX, XXXX, and XX/XX/2020 to pay as much as I could. All but one account allowed me to make payments. My American Express Business did not allow to make a payment. I called American Express in XXXX and was told this account no longer belonged to American Express. My Amex Business account was sent/sold off to a collection agency. I tried on several occasion to make payments online with no avail due to the portal veered me to a different Amex program. I have been sued by American Express and I am currently on a payment plan with a law firm. However, American Express still allows me to sign in to my accounts online and make payments. 
For three months, I was not able to call or chat with anyone at American Express. When I was finally able, I tried to get back on track. However, not one American Express representative showed compassion or was willing to help me. The last word I received from one of your representatives on XX/XX/2020, was your green card is 72 days past due and this card will be cancelled as well. 
This has affected my credit score, not allowing me to qualify for any assistance. 
I have disputed this matter with American Express. This has violated the Texas Consumer Law, the Texas Deceptive Trade Practices Laws, The Fair Debt Collection Practice Act, and especially your American Express Mission ethics and slogan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
It was announced XX/XX/XXXX that there was unauthorized access to data controlled by Equifax from mid XX/XX/XXXX through XX/XX/XXXX. Rather than contact people individually and personally, we found out via a press release, and had to verify our identity through their own site to find out if we were affected. I checked today ( XX/XX/XXXX ), and I 'm on the list of potential victims, where my SSN, license number, addresses, and birthday are compromised. That 's more than enough information to allow someone to open new lines of credit in my name, or otherwise compromise my financial standing. The company 's resolution to this is to enroll with their TrustedID partner for protection and monitoring, but the service only lasts for one year. My information can be used for significantly longer than a year, however, as my social security number can not be easily changed without identity theft having occurred, changing my name would be silly, my birthday ca n't be changed, and my addresses are impractical to change. This service is not free after the first year, and we also can not enroll immediately- we 're assigned a day that we can enroll, and mine is n't until the XX/XX/XXXX. We 're also given information on freezing our credit reports, but that 's not free unless you 're already a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
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: Information belongs to someone else

Complaint:
Please be advised The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately. 

XXXX XXXX  /XXXX  XXXX XXXX {$810.00}, XXXX  XXXX/XXXX  XXXX XXXX  XXXX XXXX {$590.00}, XXXX XXXX # XXXX {$1000.00}, XXXX # XXXX {$82.00} INQUIRIES : XXXX  XX/XX/XXXX, XXXX  /XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: EQUIFAX, INC.
State: NC
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:
Requested removal of negative item from report. I sent in proof that i was no longer responsible. They sent a letter saying deleted. Then they put it back on. I sent another letter with supporting documents, and they said verified. And refused to remove. The letter is from the collection agency. ( Letter is attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My complaint is against Equifax for improperly protecting my information during their recent breach. As a consumer I expect that my personal information should remain private and a company who monitors my information should be held responsible for failing to protect my private secure information ( SSN, Name, DOB, Address, Credit rating and current accounts ).
On X/X/17 I got confirmation from equifax website that my information was potentially compromised in their recent hack. 

This company was looking to avoid class action lawsuit by making me opt out of any litigation just to get assistance. This is unfortunate and I will not be opting for their credit protection service. If they ca n't protect my information now I do not trust them to do so in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1200.00}. Inquiry : XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2019-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I tried to use my account and it says it is restricted and when I called customer service, I couldn't understand what the agent was saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: AES/PHEAA
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This complaint is about the servicer XXXX, or actually the Department of Education for granting this outfit a contract. 

XXXX, in their otherwise very user friendly website, has no option to make any payments towards the principal. There are all kinds of repayment options except being able to pay additionally towards the principal. 

Now, why would this be? Perhaps the other repayment options available offer a clue. Indeed, they all maximize loan interest revenue. So, clearly this is a ploy to make it difficult for the consumer to get from under these loans. 

Is that the intention or in the spirit of the Education Department 's mission to get young people to obtain an education and build a life for themselves? 

Do the contract managers of the Dept of Education that  review prospective loan servicers, take that into account, in addition to 20 plus pages of other federal requirements? 

Please pressure XXXX to make this option available immediately or do not renew their contract. 

Best Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation