BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-19
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed, bankruptcy last XXXX XXXX to stop foreclosure on our, home for years we had tried to work with XXXX XXXX XXXX and got no help. Then we got an new lender Shellpoint got the same services no help, when you called you get all these reps who do n't speak XXXX and give wrong advice.So as years went on illness, divorce, and loss of business, and still no help from lender, when I filed bankruptcy I had no idea that the lender would work out a deal with the Trustee ( XXXX XXXX ) instead of working with the homeowner. The Trustee have not meet the contract agreement to sale the property by XXXX XXXX But the lender is still working with them. On XXXX XXXX XXXX the trustee went to court asking for the stay relief to be granted to give him rights to sell the entire house due to no equity is in the house. So it was granted and my mother 's bankruptcy was dismissed giving her power to control the sale of her home. Leaving our family to become homeless so trustee and his realtor will make a profit. Shellpoint has  failed to help my family. If you look on page 7 the Trustee admits that the lender is not willing to do a loan modification. But instead is willing to do ( XXXX XXXX ) I  hope this lender will never get a chance to do another family as they have done mines. Along with this complaint I have attached documents to support my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Transunion is reporting information supposedly reported by the XXXX XXXX XXXX however, the XXXX contradicts what TRANSUNION assure ( see letter from the court ) Transunion has acted with negligence. Please see attached documents.

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 2017-08-19
Company: TD BANK US HOLDING COMPANY
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
This complaint is connected to a previous answer to a complaint from TD AUTO FINANCE LLC., XXXX XXXX XXXX, XXXX , XXXX , XXXX and XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX. I contacted TD AUTO FINANCE LLC. on Monday, XX/XX/XXXX, and alerted TD Auto Finance that I believed I had been a victim of a bait and switch scheme and asked if they had funded the loan and they said " no '' it was pending and they would make a note in the file about the situation. I contacted them again on XX/XX/XXXX, and they said the contract was still pending so, I suggested they hold the funding until I was satisfied with my complaint with the Better Business Bureau and the Consumer Financial Protection Bureau. I received a notice today XX/XX/XXXX, that TD Auto Finance LLC had rejected my complaint and funded the vehicle anyway. Since I am the Consumer I should have a say as to whether I want TD Auto Finance to fund the vehicle or not. Since TD Finance chooses to go ahead with the financing I have no choice but to defer the first car note until the matter is litigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
XX/XX/2022 I received a credit card from Bank of America in a name I haven't used in 4 years. Luckily it showed up at my mailbox. I contacted Bank of America, spoke with XXXX in fraud and filed a fraud complaint ( case # XXXX ). XXXX assured me their fraud department would take care of this, the inquiry would be removed from my credit report ect. I then went to XXXX, froze my credit and placed a fraud alert on it. XX/XX/2022, I receive an email about ANOTHER credit card I had been approved for thru Bank of America. This time, however, due to the other situation and placing a fraud alert on my credit report and locking it down, Bank of America actually contacted me. I spoke with XXXX in underwriting and explained to her what had happened in XXXX and she said they would mark the application as fraudulent and it would be taken care of ( which it was ) Fast forward to XX/XX/XXXX and I had my credit pulled for another reason and sure enough, on my report, shows an active account with Bank of America that was opened in XX/XX/2022. This account is now showing deliquent because it has a {$75.00} annual fee that hasn't been paid. First off, this account IS NOT active because I never activated it. I also had filed a fraudulent complaint with XXXX and they removed it and supposedly started an investigation. However, here it is again and XXXX said they completed their investigatin and that Bank of America said it was a " current active account '' and therefore remains on my credit. XXXX???? I have done everything on my end to take care of this and was told by both Bank of America and XXXX it would be taken care of. XXXX investigated (? ) nice investigation. First off, why would I apply for a credit card that isn't even in my name. Bank of America says it's " accurate '' and so that ends their investigation? This is wrong on so many levels. I was failed by Bank of America and XXXX. XX/XX/2022 I make contact with Bank of America 's fraud department AGAIN. This time I speak with " XXXX from Georgia ''. I ask so many questions and get no answers. 
All she has to say is " this will be taken care of '' ( case # XXXX ). I explain the XXXX process and she informs me there is no notes of anything ever being done on my account. WOW, good job Bank of America, sure am glad I actually don't have any accounts with you if that is how your fraud department works. I would apprecaite this all being taken care of. I have now filed 2 fraud claims with Bank of America for the same situation and 1 with XXXX. I have locked down my credit and placed a fraud alert on my credit. Can we please get these companies to take care of the American consumer like they should be?

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 2017-08-19
Company: Experian Information Solutions Inc.
State: VA
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: Problem getting your free annual credit report

Complaint:
The website logged me off, and would not let me continue to get my free yearly credit reports. I was able to get one from XXXX, but the other two timed out or something and would not let me finish what I was doing to receive my reports. Please advise what to do next, and how to proceed. Thank you so much.

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: 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:
I am on the list of potential victims of the Equifax hack. Ridiculous considering how many people this affected and I would have had no idea I was affected if not for XXXX. No communication from anyone else about me personally being compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: JPMORGAN CHASE & CO.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from XXXX XXXX the JPMorgan Chase Credit card ( https : XXXX ). I went on the website to set up payment and charges were put on my account to pay off. The original amount owed was {$720.00}. There are strange charges saying " failed '' and then successful. My original amount is not dropping! I tried multiple times to contact them via email from their site with no response. I tried multiple times to login into my account and can not get in no matter what verification choice combination I use. I have not called because I like to have documentation of conversations. I will attach screenshots of proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am a Wells Fargo customer. A direct deposit was supposed to show up in my checking account 2 days ago but something is clearly wrong with the system. I am not able to pay my rent. I already have to pay the late fees for my bills and now I face eviction if they do not solve this problem quickly. 

I went to a Wells Fargo branch and the staff there said it was because of the XXXX of XXXX holiday and asked me to wait. 

On the website, I can only see " If you see incorrect balances or missing transactions, we apologize for this issue. Your accounts continue to be secure and we're working quickly on a resolution. ''

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: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I was one of the millions of people affected by the hack of Equifax, and after confirming that via their website, the only compensation offered was a single year of credit protection. This protection came with the caveat that I must submit to binding arbitration. I do n't believe their offer would genuinely help protect me from the potential harm of a data breach of this magnitude, and the fact that it was even possible is alarming.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: AK
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: Investigation took more than 30 days

Complaint:
Auto loan with XXXX bank, is reporting false information, therefore the information should be removed all together. I spoke with XXXX bank and they stated that they sent a letter to correct the false information and XXXX other agencies already corrected this months ago ( XXXX and XXXX ) But Experian refused to fix and report truth and also refused to put a statement on my file explaining the issue

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 2017-08-19
Company: Dyck-O'Neal, Inc.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am selling my house to my ex-wife, XXXX XXXX. When she was ready to close a 2nd mortgage popped up that I had not seen or heard of for 10 years. XXXX XXXX XXXX was the 2nd loan I had orginally taken out to purchase the house. When they went of business I assumed that XXXX XXXX  took over the 2nd loan since they had taken over my 1st loan. I did n't receive anything from any other bank and currently nothing. Eleven years have passed since then and another lender took over for them in the mean time ... XXXX XXXX. I do not have this 2nd loan showing on my credit report. I 've spent 3 weeks trying to find out who assumed that second loan. There 's nothing on the title and no one could help me. My ex-wife finally order a title report and she emailed to them. She is showing on the deed only, not on any of my loans. They told me after a few days that the loan had been sent to collections with Dyck O'Neal Inc. I called them and spoke to a representative named XXXX. He told me that they had it. It had been there for 10 years. It had accrued interest in the amount of {$14000.00} plus the XXXX that was owed. Then he asked how much the house appraised at and how much money my ex-wife was getting back. Then maybe they would consider removing some interest? She was only approved for the original balance. I do n't think this is right. I feel that since they made no effort to get a hold of me and it was n't showing anywhere on my credit report or with the county on the title that that 's not legal. I 've exhausted every avenue and want to get this over. I also believe that the 2nd loan was charged off. Thats why it 's not showing anywhere?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
While applying for a refinance loan, I was informed that my loan was modified to a 40 year loan.  I know that I would not have ever modified my loan to a 40 year term.  I contacted my loan company XXXX  XXXX  XXXX and they informed me that it was not modified through them it was with the prior company Bank of America.  XXXX XXXX   XXXX gave me what they have regarding the loan modification and it was one page (see attached).  I contacted Bank of America about two weeks ago and they said that they would submit a request to send me a copy of the loan modification.  I have not received any copies at this 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 2022-02-16
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received an alert today from XXXX that Wells Fargo Dealer Services reported that I was 30 days late on a car payment back in XXXX of 2022 and this is a blatant lie. Our car was stolen in XXXX, Police Report Filed and the car was recovered but deemed a total loss. Even when I did not have the car I still made my payments and have proof through my bank that we did. Our insurance company settled the account as a total loss and paid Wells Fargo in full and they even reported that as being paid closed and then they report us as late which is not true. This impacted my credit score for something that never happened. I called and got in touch with the XXXX Offices at Wells Fargo and recorded my call and the guy I spoke with on the recorded line even verified that we were never late on our car payment. Wells Fargo is notorious for doing cheap, crooked stuff like this. They feel that they can just do what they want to do even if it hurts others which is why I will never do business with them again. They need to be investigated and fined for doing this illegal stuff. WE WERE NEVER LATE on our car payment.

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 2022-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/2022 I XXXX XXXX sold my company car to XXXX for XXXX issued by bank draft. I took the check to Bank of America in XXXX and was told that the check will clear the following business day and was guaranteed that information. At that moment I asked her again and she verified that it will clear tomorrow morning because if it wont I could just take the check to XXXX XXXX XXXX and deposit it. But she specifically said no Bank of America will clear it. The next business day I get notified by Bank of America that a hold was placed on the check and was told that the check issuer will have a high chance of returning the check. I called XXXX and XXXX XXXX and was told that information is incorrect. Once again I call Bank of America to be told lie after lie even when I explained that I was directed under false pretenses as a customer to deposit the check. This is bad banking practices and legally not right to direct customers under false pretenses.

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 2022-02-16
Company: Experian Information Solutions 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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On the date of XX/XX/XXXX an account was opened in my name for a XXXX XXXX account in the amount of {$900.00}. I joined the XXXX and left for XXXX XXXX XX/XX/XXXX. When checking my free annual credit report around XX/XX/XXXX, I noticed a collection from AD ASTRA RECOVERY SERVICE with XXXX as the original creditor. After calling XXXX XXXX about this matter, they told me that this account was in collections with a third party collection agency and that I needed to contact them for payment details. I kindly explained to XXXX XXXX that this account was not opened by me, but they kept pushing the fact to call the collection agency and was done talking with me. AD ASTRA RECOVERY SERVICE did not help either, all they kept pushing was that I owed {$900.00} and how would I like to pay it. I explained to AD ASTRA RECOVERY the same thing that I explained to XXXX XXXX, I joined the XXXX and left for XXXX XXXX XX/XX/XXXX to XXXX XXXX, GA. where I remained for 2 months and 1 week. AD ASTRA really blew that off and was still asking for payment. I have been disputing this collection for over 4 years now and I keep getting the same results which reads " Account information disputed by consumer, meets FCRA requirements ''. The last update was XX/XX/XXXX and this account is still open and hindering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The same time last year they my report on 7 of my loans stating I was late over 90 days late and dropped my score over a hundred points. since then my credit was getting on track and here we are again and my report says im behind when im on the forgiveness program and I made sure to call and get a forbearance to keep my account up to date. I can not not let them ruin my credit because of another mistake on their part. I am a single mother of XXXX thats trying to better my credit to get a home but keep doing this and I have no one who can help me fix it. can I file a suit of some kind?

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 2022-07-07
Company: Experian Information Solutions Inc.
State: MD
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:
I checked my credit report and saw these accounts being reported improperly. As a result, I've suffered financial harm and was denied a home loan. This has been so stressful. 

The accounts are : 1. XXXX XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX These accounts are in violation of 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

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