BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MP
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
XX/XX/XXXX I applied to Bank of America for refinancing of home due to scamming by current mortgage holder.  XX/XX/XXXX house was appraised; appraised value approximately $40,000 less than comparables.  Made written complaint to BOA and multiple phone 
calls.  Only responses came from local mortgage loan officer who had to get update from someone else.  XXXX day he was not there and was told previous Thursday was his last day on job.  Since, received XXXX return phone calls but no others although I tried to get updates.  I was told to NOT pay previous mortgage in XX/XX/XXXX. but in XX/XX/XXXX. paid because I was three months overdue.  Still no response from BOA as to current status of initial application.  In XX/XX/XXXX. was finally told application was cancelled because of concern over appraisal.  Offered to reapply which I accepted.  Finally closed in mid-XX/XX/XXXX.  Before re-fi- application had HELOC which was rolled into re-fi amount.  After closing in XX/XX/XXXX. I received appraisal "drive-by" update upholding original appraisal but limited MLS inquiry to houses sold to max of $100.000 since date of original appraisal.  Three weeks after original appraisal, house XXXX with initial identical floor sold for $40,000 more than the appraisal of my house.  As after initial appraisal I made complaint to XXXX which denied any action.  Soon after closing on re-fi
 BOA re-applied for HELOC and was denied for # of delinquent accounts, proportion of balance to limit on revolving accts, too many inquiries in last 12 months, and insufficient length of revolving credit history.  Report dated XX/XX/XXXX for XXXX credit agencies shows
XXXX, XXXX, XXXX but another document shows XXXX for credit score.  Current report shows XXXX acct--XXXX of which have current activity.  Others have been paid off.  No. of  inquiries were elevated due primarily to activity related to re-fi and HELOC activity and  
one emergency home repair.  History reported goes back as far as XX/XX/XXXX.  I don't know where they came up with their conclusions.  I am satisfied with the ultimate re-financing but not with the hassles I had to go through to get to that point which had a deleterious effect on my health during this time.  I had to talk to too many different people to find out what was going on only to get no response.  Then to get this fabricated denial of my HELOC application was a "low blow."  I think it all revolves around the falsified appraisal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Pioneer Credit Recovery Inc continues to send letters advising that a debt of XXXX is due to the XXXX XXXX for a Small Business Administration loan. No one at this address has ever applied for, been part of a business, or co-signed with anyone taking out a Small Business Administration loan. This company, Pioneer Credit Recovery, has been notified in the past that this debt does not belong to the occupants at this address. Yet, they continue to seek collection with letters threatening wage garnishment or legal litigation by the Treasury Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off a student loan in full on XXXX 2016, which Navient acknowledged and documented. On XXXX XXXX, 2016, Navient auto-debited from my checking account {$360.00} to be applied toward the already paid-off loan. When I called Navient, they said it would take a week to reverse the charge. But I 'm stuck paying overdraft charges on my checking account and the late fees for bills I ca n't pay due to this duplicitous attempt to collect on a paid debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/15, I deposited a {$5000.00} check using the Bank of America mobile app. I received a notice that the money would be available that day to cover checks and the next business day for cash withdrawal. Later that day, I scheduled a credit card payment to XXXX for {$4700.00}. The next day I received a notice telling me that the funds were going to be held and they would not be available. I then received a notice telling me that my account was overdrawn because they had held the deposit funds and deducted the credit card payment. Next I received a notice stating : " There were not enough available funds in your account to cover the transactions listed below [ {$4700.00} ] as of the date of this notice. Your account balance was {$5500.00} after we processed these transactions ; this includes fees shown below ... Check Number/ Debit Type - Electronic payment. Amount - {$4700.00}. Action Taken - Returned. Fee Charged - {$35.00}. " The absurdity of the above is clear just from reading it. The bank told me the funds would be available on a certain date, changed that date, and refused to cover the check based on that date. Furthermore, even their notice makes no sense. They returned a check for an amount less than the balance they provided in that same notice. The bank has since refunded the {$35.00}, but their behavior is unethical and caused damage to my relationship with XXXX Bank due to the returned check and may result in a returned check fee from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
For the past eight months I applied for a loan modification and have been rejected three times due to the Bank of America not allowing my full income as documented. Therefore disqualify me from any loan and trying to force me out of my home in the way of foreclosure or short sale even though I am making my loan payments. 
In addition they have added unsubstantiated amounts to the loan which when asking them to document falls on def ears. They have yet to provide what these extra amounts are for. I need your help this is unfair lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My credit information shows an address that I have NEVER lived at & it 's been on there for years. I could never find a way to dispute it. The address : XXXX XXXX XXXX XXXX, XXXX, TN XXXX. This needs to be removed from my credit information & anything connected to that address. 
Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: I.C. System, 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: Was not notified of investigation status or results

Complaint:
I sent your company my dispute on XX/XX/2022, which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. Therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?

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 2017-01-24
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
my loan has been given/sold without my knowledge, i have been trying to make payment arrangements and keep getting the run around or no options let alone I did not complete school

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Im entitled to an accurate an complete credit report I have new evidence to show I never had a late payment from the credit reporting account XXXX XXXX XXXX  ACCOUNT NUMBER XXXX, I also have proof they have been looking into a DUPLICATE account under the same name XXXX which shows close, I DEMAND METHOD OF VALIDATION. as I have contacted the creditor as it is my right & have verified THEY ARE NO LATE PAYMENTS ON MY ACCOUNT ; I Demand a credit investigation be preformed. ( documentation 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 non-monetary relief
Consumer complaint received 2015-07-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
EQUIFAX IS NOT REPORTING CORRECT INFORMATION I HAD A TAX LIEN THAT WAS RELEASED IN 2014 EQUIFAX KEEPS SHOWING A TAX LIEN AND WONT UPDATE THE FACT THAT THIS LIEN WAS PAID AND RELEASED, THEY ARE ALSO CONSTANTLY REMOVING REPLACING THE SAME REMOVED ACCOUNT A FEW DAYS LATER EXAMPLE : XXXX THEY HAVE ADDED ACCOUNTS I HAVE NO KNOWLEDGE OF LIKE PROCOLLECT. PLEASE INVESTIGATE AND HAVE THIS AGENCY STOP ABUSING THEIR POWER BY REFUSING TO CORRECT INFORMATION THEY KNOW IS FACTUAL. THEY ARE INTENTIONALLY AFFECT MY CREDIT REPORT AND CREDIT SCORE. THIS IS AN OUTAGE THAT AMERICANS CA N'T GET AGENCIES LIKE THIS TO OBEY THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I 've tried multiple times to get a free credit report using XXXX and annual credit report and got the same problems for both saying that my information didnt match any records or any bureau records. I 've never signed up before and Iv'e never used my credit either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: VW Credit
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:
VW financial sent me the monthly statement that had the return address printed with smashed ink which caused the US Post Office not to identify the address and return the payment mail to me as address undeliverable. I have sent the original copy of the returned mail to the VW Financial Services and they had lost the mail again. After which I have sent the VW Financial Services the copy of the returned mail that had clearly shown that the return address had smashed ink on it. They responded that after the review of the documents I had sent they found that the information was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Chapter XXXX diss/closed XXXX/XXXX/XXXX case # XXXX does not belong to me. 

Chapter XXXX diss/closed XXXX/XXXX/XXXX case # XXXX does Infact belong to me. 

XXXX and XXXX Credit Bureaus purged the above entries and removed from my Public Record on my credit report. 

EQUIFAX refuses to stating they did n't file this information the Bankruptcy Court supplies the information which is not true. I have filed XXXX disputes and talked to XXXX different people up the chain of command. My end result has been it 's equifax decision to report this information for 10 years instead of 7 years as the other credit bureaus have done. Please help me. I need to buy a home. Each employee has told me different information and they have straight out lied. If the phone calls are recorded you can hear them yourself. Your told it can take up to 30 days for the result of a dispute but the last XXXX I filed had results less than 24 hours later and I have the email to show that. My dispute case # XXXX are : XXXX, XXXX, XXXX, XXXX dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ... 

Please contact me with any question. This is a very important issue. Thank You for your time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX # ***********DOB : XXXX would also like to add that my credit score with Equifax has actually gone done since filing disputes as my credit score Has gone up with XXXX and XXXX . I have a score of XXXX with XXXX company and a score of XXXX with Equifax. I. Desperately need help. The reason we had to file for bankruptcy in XXXX was my husband was XXXX. It certainly was n't something we wanted to. We had no choice. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I ca n't seem to access my credit report. Even on my XXXX credit monitoring, my Equifax report does not come through. Can I be provided with the Equifax confirmation number so I can look at my report for any inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions 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:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not inaccurate. This is ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also the credit bureaus took more than 30 days to complete my investigation

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 2016-03-23
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
hunter Warfield is refusing to abide by the fcra. they are using bully tactics to prevent me from purchasing a home. I requested a variation of debt from them and I never received it. after I finally found what and who they were collecting for I was dumb founded that a year after the origination of debt I would be hit on my credit. now the significance of this being that make it seem to a lender that this is a fresh debt when it 's more than a year old. this a violation of the fcra as well. after speaking to a customer advocate she explained that thy would ensure I could make no purchase of a home or car unless I paid them. I have expressed willing to pay once it was an agreed on amount. the verification of debt must contain invoices. I have seen no such thing. now, it 's only right that hunter Warfield remove this from my credit file since they have no way of back dating the actual occurrence. I have a right to refuse establish my credit after I have hard times. this company is reporting this at this time to keep me from doing so

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Navient Solutions, LLC.
State: UT
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:
When applying for or renewing income based repayment, for the last ten years, I was always forced to use a one month forbearance first. This resulted in capitalized interest increasing my interest charges. As interest is now being paid as principal, it has also increased my tax liability. I was not able to claim the interest payments made as a tax deduction. Also, my last IBR renewal was denied by Navient while it was approved by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 non-monetary relief
Consumer complaint received 2022-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am so stress out, I spoke to supervisor XXXX and she would not help me. I told XXXX never file a dispute because I will change my score. I ask them to cancel it. I finally see the update on the cancel account from Equifax and they change the comments to collection and the took off the payment history making sure there is no way for the anyone pulling my credit to know what really happen to my account. This account was pay off in XXXX. And there is payment history to show that. That trying to blame XXXX when I simply ask them to put the account back to the way it was before the did the dispute. Because they did it this way my score wo n't go back to the XXXX before they did a dispute. Now it is staying a XXXX and they said they ca n't do nothing now I have to talk to XXXX even thought the changes they made was done by Equifax not XXXX. I believe they are punishing me for complaining about them. I also told them I can send you the account before you Equifax changed it so they can put it back the same way it was and they said it do n't matter. We do n't have to report a payment history. I ca n't believe they have to power to make changes that will hurt me when they could just change back to what it was before they did this. Please help me Equifax is treating me unfair. I attached the account before Equifax did a dispute I it had a payment history, and different comment and my score never when back to the way it was. Equifax is violating my credit report causing me not to get funding. Accounts history is very important for a lender to know. Something that happen 4 years ago is not going to be to same as something that happen 1 year ago. The way Equifax changed it there is no way for the lender to know. Equifax clearly knows this so why would they aloud this account to be reported this way. If it did not make a differents then way my score did not change back the way it was. This was no other changes on my credit report but that account. Before dispute reported date say XXXX/XXXX/XXXX, they new way they reporting account XXXX/XXXX/XXXX. The comments are different and one had history. Everybody knows payment history is how your account gets judged. There is none. It just say collection and that is it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: DISCOVER BANK
State: IA
Product: Credit card
Issue: Rewards

Complaint:
I was enrolled in Discover double case back program in XX/XX/XXXX and got email confirmation in XXXX XXXX XXXX. When I confirmed my time period of the double cash program XX/XX/XXXX, the representative said that I was enrolled XX/XX/XXXX even though there was n't any email nor record on my account reflected that information, and I made a lot of purchase using Discover it card in XX/XX/XXXX assuming my program started on the date I received that email confirmation. When I called in to their customer service, the director explained that the email confirmation meant nothing, and the date on that email says " XXXX XXXX as the XXXX billing period '' is not necessary the XXXX but can be XXXX and even XXXX. When I pointed out the confusion of the email, the director made up an email on XXXX XXXX XXXX that he claimed had rewards program information on it. I do n't have that email ever, and he could n't even bother making up the content of the email but saying there was an email. I was so disappointed of how Discover pulling this trick of date on me. I wish I had more clearer information in the first place to avoid this kind of misunderstanding. Discover did a terrible job of letting customer know the exactly date of their rewards program and tracking the use of their Discover deal portal. When it comes to REWARD, Discover makes all the information as vague as possible!! That made-up email was a total disappointment, I will stop using this card and stop referring my friends.

Company response to consumer: Closed with explanation