BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
During the pandemic, in XXXX, I was in need of deferment. I had held my mortgage with Bank of America since XXXX and had never had any missed or late payments. Upon request, they did offer deferment on my mortgage for XXXX months. In XXXX, XXXX, I attempted to pay the deferred amount and brought my mortgage current with a payment of more than nine thousand dollars. 

At this time, since I made the payment, I believed the deferment was paid in full. Recently, I noticed an amount of XXXX on my statement noted as a " deferred '' balance. Several weeks ago, I contacted Bank of America Mortgage Unit, explained my concerns. I was told the deferred amount was not paid in full as they applied the payment to principle, deferments can't be paid until the loan is paid in full, it's placed on the back end, not earning interest and not including in my balance. 

I also inquired as to why they are reporting XXXX as included in balance to the credit bureau as my balance is XXXX per Bank of America, but they are reporting a balance of XXXX to the credit bureau 's. Bank of America game me a case number # XXXX and stated the issue will be corrected within ten days, but it has not been corrected. 

I have filed disputes with both XXXX XXXX and XXXX regarding my balance. They both conducted investigations. The results are per Bank of America the balance is reported accurately. 

Bank of America is in violation of the Fair Credit Reporting Act. This issue is reducing my credit score and needs to be corrected.

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 2016-05-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax has confirmed that this account XXXX XXXX XXXX XXXX is both inaccurate, and then incomplete, and has stated that there is nothing they can or will do to correct the problems that are apparent on this file. 

Please note the first XXXX responses, however incorrect from EQ - from, we verified your ssXXXX, name, you own the account and those responses were never the issue I do NOT believe that EQ change the designator before XXXX ( their last file print date ) as I have credits reports for each day up and through the date printed on the final report - and with NO change to the Activity Designator. 

Considering the statement date for this card - and considering that XXXX says they are sending a Closed status - I am unable to be left in the middle. 

The account/tradeline 's Activity Designator is incorrect The account Pay History is incorrect The Accounts Pay History is Incorrect As per FCRA rules, that allow for the deletion of tradelines that are in this state - PLEAS DELETE this account. 


Equifax has reviewed the complaint and its records. We show that you recently contacted Equifax on XXXX/XXXX/2016 via case XXXX regarding the item listed in the complaint. The results of the investigation were sent to you on XXXX/XXXX/2016. The activity designator field on XXXX XXXX account XXXX was subsequently updated to C. This update was undone when the credit grantor made their monthly report of this account. You were also advised that this account is reporting as closed by consumer. Please be advised that the " current status '' of an account is reflected in the status field of the trade line and not in the activity designator field. The current status of this account is XXXX.. Equifax is unable to take further action on the items that you have listed on this complaint. As previously requested, if you have additional relevant information and/or documents, please forward it to us and we will review and/or pass the information/documents to the data furnisher for review

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX continues to label my complaints as duplicates and claims to have already answered the complaint. But they have yet to address the permissible permission to have lawfully accessed my credit report used to accessed my credit report on XXXX XXXX 2017. I will continue to request the permissible permission from Experian and XXXX XXXX XXXX XXXX until they answer the complaint and forward a valid permission or at a minimum give explanation why they deem themselves lawful.

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 2017-08-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
experian, XXXX and XXXX showing inaccurate inquires now they wont let me check my credit online to fix these issues

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 2015-12-01
Company: Paypal Holdings, Inc
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased an item from the clothing retailer XXXX XXXX on XXXX/XXXX/2015 with funds from Paypal credit 's Bill Me Later. The item was returned to XXXX XXXX on XXXX/XXXX/2015 and XXXX XXXX issued a refund credit for the full amount of {$570.00} on XXXX/XXXX/2015. 

Since then, Paypal Credit has not posted the refund to my account and I still owe them money. I have faxed in proof of return numerous times, sent emails of screenshots indicating that this item was returned, and have spent countless hours on the phone yielding no results. At this point, I will have to start paying the charge and I find it to be ludicrous to have to begin payments on something that I returned 3 months ago which has been acknowledged by the retailer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Experian Information Solutions Inc.
State: NE
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:
In XX/XX/2022 I started a dispute with Experian letting them know that they are reporting several accounts and addresses on my credit report that I have no knowledge of. I also let them know that they were reporting addresses that never belonged to me. Experian never validated the debt and never updated my addresses to remove addresses that I've never lived at. I requested that they remove addresses XXXX XXXX XXXX XXXX XXXX NE XXXX XXXX XXXX XXXX XXXX NE XXXX. 
I reported that I did not recognize several accounts and asked them to verify that I opened these accounts with my own signature. The accounts are as followed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} They did not investigate properly nor did they validate this debt with my original signed document opening these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
Company: Ocwen Financial Corporation
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I purchased a home in XX/XX/XXXX. PHH Mortgage was mortgage holder for prev owner. However, PHH Mortgage is still attempting to collect a debt on my property owed by prev owner. They are consistently sending bills and sending a man to my home on a monthly basis to " inspect '' my home. He is trespassing by going into my yard, driveway, porch and taking multiple pictures of my home. I am outraged that I have this strange man consistently coming on my property violating my privacy and taking pictures. I am at the point where I am going to reach out to law enforcement and provide this man 's photo and license plate for trespassing. The first time I caught this man on my property was XX/XX/XXXX when I saw him on my doorbell camera, I was extremely upset and concerned to see a man lurking around my home taking pictures especially since I have children. He never knocked or rang doorbell and by time I got outside he sped off and I was able to take a pic of his vehicle. Later my neighbors mentioned this is not the first time they have seen this strange man. The following month he returned again. I determined that it was related to PHH Mortgage 's inspection process so when I received an unsealed envelope with a mortgage statement inside I called XXXX on XX/XX/XXXX and spoke w XXXX ID # XXXX. I explained my concerns, and I was assured he would forward the information that I am the new owner for several years. I also advised him owner information is public and he could find it on the city and county website. I hung up with the promise that this would be stopped and he provided a phone number XXXX XXXX. On XXXX the man returned so I made another call to XXXX, and XXXX and spoke with XXXX ID # XXXX. I advised I spoke to XXXX he said that he knew him and that he and XXXX were both supervisors. I spent about 1 hour on the phone again and was reassured and promised this would not happen again. The same man returned today XX/XX/XXXX! I need this to stop immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I called BOA because due to Covid 19 I lost my XXXX XXXX. I was struggling to make my payments and I was very worried about future payments as well. I called and they put me on a forbearance plan which ended in XXXX. On or about XX/XX/2020 I received a letter stating that If I made my mortgage payment by XX/XX/2020 then my 5 month delinquency would be put at the back of the loan. On the XXXX of XXXX I received a call from BOA stating the same information. I followed instruction and paid my XXXX payment and did that. BOA recently sent me a loss mitigation package in addition to a new statement stating that I owe XXXX. I called BOA and spoke with my representative and she said that the XXXX letter that was sent was a mistake and to fill out the loss mitigation package that was sent. She also stated that a lot of people were calling about the same thing. I am tired of BOA has robbed me once and I refuse to let them do it again. When the mortgage crisis was out I asked them for a year for help and got no where with them. When the Department of Justice modification came out BOA conveniently transferred me to XXXX XXXX  and I was given the hamp program. Don't get me wrong I appreciated receiving that program but I should have received the DOJ modification. Instead they put a XXXX balloon at the end of my loan instead of forgiving it, It is evident that was their intent. After XXXX  modified me I was transferred back to BOA. The DOJ even said how well and quick the resolved these issues with their customers. I will not allow them to take anymore money from me. Now they want to review my loan so they can change my interest rate increase my payment as well. I put XXXX down on the purchase of this property and 14 years later I owe more than when I started. They are doubling up and getting their money twice. They are receiving the original principle and then adding the delinquency. I am tired of being robbed by them. It seems everything they do benefits them and not the homeowner.

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 2017-02-14
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
The loans were not fully used. They sent Pioneer Credit after me, threatening to take everything i have if I did not sign up on a payment plan. I signed up paying around {$500.00} a month until it was paid off. Now XXXX is claiming I still owe everything and is harrassing me for payments. I also asked that the portion of the loans that were not used be returned since I only used less than 1 years worth. On top of the loans I had to pay the school, XXXX XXXX XXXX XXXX and XXXX $ XXXX/month. 6 years later here we are still " owing ''. I also never received anything, I was supposed to get financial aid, not loans.

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 2022-08-18
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2022, Cash App suffered technical issues that prevented me from accessing my Cash App account and making direct deposits. After supposedly fixing the problem, I was still unable to access my account. I contacted technical support at XXXX ( XXXX ) XXXX, a technical support representative advised me to upgrade the app on my phone to the latest version. According to the technical support representative, I had an older model XXXX and that was the reason I was having issues accessing my account. I was instructed to upgrade to a newer model XXXX, which I subsequently purchased. After purchasing a brand new, very recent XXXX model, I was still unable to access my account. 

For 4 days, I spoke to nine Cash App support representatives over the phone. Not one Cash App support representative was able to help access my account. Multiple Cash App support representatives guided me, over the phone and through the chat function within the app, every troubleshooting step to regain access to my account failed. Not one worked including opening a new Cash App account. The Cash App support representatives said that they would transfer the funds from my old account to this new account. 

In the end Cash App was unable to transfer the funds, claiming it was due to security reasons. I have reached out to Cash App multiple times over the phone and chat function. I have given Cash App support representatives all the information they have requested to confirm my identity and to view my balance and all activities pertaining to my account, but Cash App still refuses to give me access to my funds and my account. I requested to escalate my case to a manager or supervisor multiple times. Cash App support representatives advised that a manager would contact me via email. Ultimately, I have received multiple emails stating Cash App can not help me recover my funds. 

I want Cash App to give me the {$2000.00} balance in my account plus {$680.00} for the XXXX I was told to buy..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am disputing XXXX XXXX explanation of the benefits of a Reverse Mortgage. She states that the loan served to pay off previous mortgages. The XXXX document XXXX is designed to be completed by the applicant with the LENDER 'S assistance. According to the document, the Mortgage Applied for was an FHA Traditional HECM. The FHA case XXXX. XXXX XXXX states the loan payment plan as a " LINE OF CREDIT. '' The lender case XXXX. XXXX indicates that the purpose of the loan was for " ADDITIONAL INCOME. '' XXXX XXXX should be made aware that bringing {$35000.00} asserts the opposite of any associated benefits of my reverse mortgage. If my intent was ADDITIONAL INCOME, then why would I be expected to bring XXXX to the closing? Unless, the predatory lender told me that the money was to go into escrow to be used as a line of credit to be disbursed as needed for property taxes. I 'm being foreclosed on due to non-payment of property taxes. Where 's the {$35000.00} line of credit that was supposed to ensure that I would n't lose my home. Obviously, it 's the reverse of the truth. Obviously it follows the same ongoing pattern of deception, coercion, and bullying an elderly woman into a mortgage that she did n't need and could n't afford. Wells Fargo made sure of my lack of ability to pay my taxes and insurance by illegally running a credit check and of course picking the bones dry by charging {$14.00} to conduct that credit check..

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 2016-11-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
1-I received a check in the name of my company and deposited it with my XXXX, All right until here. Then I kept the check in my wallet XXXX went to church 10 days later, I forgot that I bring the check in my wallet. I always deposit a personal check of offering, for confusion I deliver the check of the company ( Already deposited and collected XXXX instead of the personal check. 
3-The church deposits the check and my bank XXXX Wells Fargo XXXX pays it and withdraws the money from my account. 
4-I 've spent weeks trying to make the bank understand that everything was a mistake and there is no way to get my money back. The methods that the bank has suggested to me are like a comic movie. ( Go to the church ..., bring the one who gave you the check ... XXXX, I 'll call you tomorrow, .... We 're investigating .... Why you cashed the check 2 times ... XXXX 5-Wellsfargo must to return the money to my company simply because the check was directed at the company, not at the church. The bank should never pay the check to the church. In addition to that, the check had already been deposited and collected by the legitimate owner : My company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: EQUIFAX, INC.
State: NY
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:
Third attempt in reporting unauthorized accounts and unauthorized injuries on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : *XXXX XXXXXXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00} Correct this reporting by revising the information provided. This account was paid as agreed and past due was already XXXX. Modify and perform any corrections or FIX this account from my file.

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 2022-08-18
Company: EQUIFAX, INC.
State: MD
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 sent a letter addressed to the EQUIFAX Credit Bureau requesting to conduct an investigation and correct the information being reported. The Equifax credit bureau must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting. 
XXXXXXXX XXXX  XXXX XXXX XXXX Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To : SPS and Equifax XXXX/XXXX/2016 From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX SS # XXXX You are showing my account with SPS in collections this is not the case the house has been sold. 

See sale docs and the letter from SPS that satisfied the loan in it 's entirely. PER YOUR LETTER!!! 

I am failing a complaint with the CFBP because I have asked that this be corrected more than ten times and I have been ignored. 

The loan should be displayed as paid as agreed per contract and the release send to me per your letter!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a Money Market Certificate purchased by my late mother ( XXXX XXXX XXXX ) for $ XXXX 10.85 % interest purchased on XX/XX/1985 from XXXX & XXXX, later XXXX XXXX, now owned by PNC Bank. PNC Bank investigated this for 1 month. PNC concluded : The MMC was cashed it. However there is NO PROOF-None. PNC also states they dont keep records over 7 yrs old. My mother was a payroll clerk for XXXX XXXX. She kept meticulous home financial records/journal. She would not keep a Worthless XXXX  still in its original plastic envelope. I can not afford an attorney.

Company response to consumer: Closed with explanation