BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America Agreed to a partial reinstatement of my loan ( DOC ENCLOSED ). I was then to make modified payments for XXXX, XXXX, XXXX. BOA requested certified funds for XXXX at which point upon receipt, BOA would disclose the amount to be paid monthly. Certified funds were sent as requested on XXXX/XXXX/2016 Funds arrived on Friday XXXX/XXXX/2016. Placed XXXX calls to XXXX XXXX with no response as I wanted to verify receipt of funds as well as to see 3 month payment schedule. Called total of 15 times with no response. Received letter of reinstatement ( different from agreed ) on Saturday XXXX XXXX stating XXXX due by XXXX/XXXX/2016. There has been no contact available to be at all!! No return calls or e mails. On XXXX/XXXX/2016, Receive certified funds back stating amount not correct. All timelines have been met regarding the reinstatement letter emailed to XXXX of Virginia as well as the CFPB. In addition all financial requirements have been met by submitting certified funds of XXXX. Called BOA on XXXX/XXXX/16 6 different times. got through to XXXX persons who stated that the figures were not available and they could n't provide information. By returning the funds sent BOA is in clear violation of RESPA 1026.40 ( c ) ( 1 ), 1026.40,1024.2 ( b ) CFR 1026.36 ( c ) ( 1 ). and now is in violation of the Consumer Fair Debt Collection Act. BOA is now making up their own rules with little or no oversight as I have complained about violations prior. In addition I have submitted information several times regarding fees and foreclosure expense to be waived and they refuse to acknowledge. The CFPB has refused to innate actions on such violations although these actions are clear.. I am asking for this situation to be rectified within72 hrs. by BOA. I am asking for regulatory intervention at this point as well. Bank Of America is obligated to accept the XXXX and allow me to make my payments ad agreed per resolution letter. Anything else is not acceptable. I assert that by BOA refusal to adhere to resolution, BOA voluntarily waives its right to any past debt therefore account should be deemed current. I also assert tht by BOA actions of refusal to adhere to resolution, it has committed fraud and deceptive activities. I also assert that BOA had not maintained clear lines of communication as outlined under RESPA. I am asking for payment to be accepted and that oversight be implemented.

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 2015-08-21
Company: Comerica
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Good morning, I retrieved my credit report and credit score from the annual credit web site. I called Coamerica Bank and spoke with XXXX XXXX from the HELOC department and informed her that my credit scores is XXXX and I have declared bankruptcy 5 yrs and I have a discharged 4 years ago. I informed her numerous time what was Coamerica credit scores criteria and bankrupcty criteria as I was interested on a HELOC for $ XXXX ( my primary house value is {$370.00} ) the CLTV would be 35 %. She mentioned in order to know if Coamerica would accept it, I would have to apply. I did and after 10 days, Coamerica denied my HELOC based on these issues. I could have prevent it and although is minor, it would n't affect my credit scores nor taking her time, nor mine. My issues is to either coach and train the employees at Coamerica so any future consumer will not go through the aggrevation. The disclosures are great however ; product knowledge from the initial contact would be better as the consumer would know whether to proceed or not. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have tried having them work with my payments to be postponed since I am currently unemployed taking care of my XXXX child, no type of assistance has been offered. They have reversed payments on my account without notice or my consent. They have done adjustments to my account that I do n't know why they were done. They are charging such a high interest on my line and it 's set as a variable interest instead of fixed. I have tried releasing my cosigner and have releasing my cosigner and have been told no paper work or incomplete paper work was received so my application has not been accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
The information was previously updated to a XXXX balance XX/XX/XXXX XXXX as Equifax responded through the portal this was update to a XXXX balance. 

Filed a complaint on XX/XX/XXXX XXXX asking Equiifax to update my balance status to a correct amount or remove in its entirety. =Please find the attached Wage and Income Transcript from 2013 where the highlighted portion advises that my debt with XXXX XXXX XXXX XXXX has been cancelled and forgiven since XX/XX/XXXX. I respectfully request that this debt be removed immediately from my credit profile. XXXX which is now XXXX XXXX has forgiven this debt in full and is currently reporting inaccurate information unlawfully. 

With the proof I 'm attaching to this letter, I 'm sure you 'll agree it needs to be removed or updated to a XXXX balance ASAP. 

Sincerely, XXXX XXXXXXXX, GA XXXXAttachment includedEquifax Responded on XX/XX/XXXX XXXX : Equifax Credit Report said : Explanation of closurePlease be advised per the documents you provided the balance and the past due amount on GMFNANCIAL XXXX was updated to {$0.00}. Adverse accounts remain on the credit file for XXXX years from the date of last activity. Written confirmation was mailed to the address on file. 
ReliefEquifax updated the disputed account. 


This issue was resolved XX/XX/XXXX and no movement on this account since. However, this update is not reflected on my current credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
THE XXXX = XXXX, has reported to credit bureau that I owe them {$12000.00}. I was never informed of this alleged debt, and neither was I told that XXXX was reporting a debt to credit bureau. XXXX is payee for Social Security pension and Trustee for federal VA health benefit, and bth of these income sources go directly to XXXX on amontjly basis. When I left XXXX long term facilities on XXXX XXXX, XXXX, I had no outstanding debt except for each upcoming month of care at the XXXX RETSIL facility. I havve received periodic accountings of income received from XXXX and how the funds were disbursed, At no time was there any indication of any arrears after my departure of XXXX XXXX, XXXX. XXXX in conjunction with another party, filed a Guardianship petition during summer of XXXX, and among other allegations by XXXX is that I owed an unspecified amount to XXXX. I questioned this allegation through email with XXXX and I was not provided any documention to verify their contention. I hhave recently been denied for a mortgage loan and also a property management company has refused to rent me an apartment ; both of these have giVen a credit reporting without specification, though i suspect the XXXX report of my owing them {$12000.00} plays a prominent role in the denials. 

I 'M XXXX, IN A XXXX, XXXX, VETERAN AND XXXX. 

I REQUEST YOUR KIND ASSISTANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I tried to let them know that I had a student loan since I worked as a XXXX I had forbearance and they went on and counted the amount of days on forbearance as late payments and the account changes to another account then it changed to another company but they are all on my credit and it states closed but still appears on my account Now it has a new name XXXX or something like that and there it is again with the same Quantity I do not know how that can be affecting my credit.Then there 's a company called XXXX that is charging me an amount for XXXX single phone I had there is a current lawsuit against this company because of selling out private information about its clients and then the clients getting charged for services that at that time the type of phone I had was not capable for such things like internet TV XXXX XXXX did not even had cable back then.Sports and other cable channels.This Phone was a simple phone that I could barely read my email.How about this XXXX telling me I owe them money when I have XXXX and I pay every month what ever I owe them I get billed but in my credit report it tells me I owe an amount how would they have XXXX accounts.I think my ex husband used my credit and brought a phone with XXXX and tried to pin it on me.Far as I know I closed my account with XXXX and I think he might have opened a XXXX account because I do not even live in the same city these bills are coming from.I owe under XXXX and I am getting a Poor credit report I do n't even think that 's fair I know people that have XXXX in student loans and they have great credit they are behind there loans because like me they have applied for forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I received a judgment against in from XXXX XXXX Bank in XX/XX/XXXX. I paid the judgment in XX/XX/XXXX ; However, before payment was made it was agreed the judgement would be vacated. Equifax continues to report this even after I disputed with them. Also, Equifax states in their correcpsondence to me dated XXXX XXXX, XXXX that XXXX account would be deleted ; but it remains on my credit report. Also, I disputed the XXXX XXXX account as inaccurate. XXXX sold the alleged debt and it ended in hands of XXXX XXXX XXXX who never answer my Debt Validation letters and subsequently agreed to remove all references to this alleged debt. See CFBP case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX and Equifax have the same debt listed under XXXX different collection agencies. XXXX Reports XXXX XXXX XXXX and Equifax reports XXXX.. Both are reported at {$10000.00}. The original debtor is XXXX XXXX XXXX. There is only XXXX DEBT, not XXXX. This mistake is lowering my credit score more than it should. XXXX or XXXX of these is wrong and should be corrected / removed. Furthermore, I have never heard from XXXX XXXX XXXX, and XXXX XXXX XXXX has not finalized the supposed debt, at times asking for a much lower amount to settle the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I noticed on my check that only {$170.00} is being taken out of my check for Child support, this is not the full amount that is to be deducted. The actual amount is {$340.00}. When I transferred to XXXX from The XXXX, I switched from getting paid twice a month to once. This has caused me to receive a lot of late payments to XXXX County Department of Child Support Services. My credit score has dropped more than XXXX points because of this. Is this something that can be corrected? 
I worked very hard to improve my credit score just to have some computer error and negligence of filing paperwork on time dramatically drop my score. I never had a late payment. 
In my documents you will see copies of check stubs from when I worked for XXXX and some from when I transferred to DGS in XXXX/XXXX/2014. I worked for XXXX since XXXX/XXXX/2005. You will also see a copy of my credit score before it dropped, and emails to Human Resources Dept. In the emails you will see that I was trying to correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Security Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I entered into a MEMBERSHIP  CONTRACT with XXXX  ( XXXX FL ) a XXXX   whole buying club, membership cost was {$5300.00} XXXX total cost {$7500.00} ), after the contract was signed I was granted access to the their inventory, however I quickly realized that the items I wanted to purchase were " no longer available ''. 
I short time later I got laid off from my job and was not able to make membership payments. 

Today SECURITY CREDIT SERVICE account number XXXX owns the dept which totals {$5700.00} and on my credit profile does not state that the purchase was made from XX/XX/XXXX it shows the date the debt was purchased from XXXX XXXX XXXX on XX/XX/XXXX. 

In the state of florida were he purchase was made the statues of limitation on contracts is 5 years I am requesting this debt be removed from my credit profile. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX on account deposited a mobile check Sunday XXXX. Understand we don't have that in our account but there is some cash. Entire account placed on hold, can't access any money. Had available balance of {$200.00} prior to check being placed on hold. Call center rep. private called XXXX an threatened our family. Someone has applied for a XXXX XXXX business account with my XXXX information. Why am I not able to access my money that was deposited before the check? No one can tell me why it's Thursday and still NO MONEY. I bank with Huntington bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FAILED TO PROVIDE DOCUMENTATION OF ANY LEGAL CONTRACT WITH MY SIGNATURE AND HAVE FAILED TO PROVE HOW ITEMS WHERE VERIFIED.

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 2021-01-05
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: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX AND XX/XX/XXXX ON MY MORTGAGE ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
American Express cancelled XXXX credit cards. They supposedly cancelled each card due to a charge going to XXXX. They said " using an AMEX card for cash is against policy ''. That charge was not going to or for cash. It was going to my companies XXXX to pay for services for my company. Not everyone accepts American Express. If THAT action is against terms, they could have temporarily suspended or just slapped my wrist and told me, not to do that. They do not think about how this could implicate my business and personal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Prepaid card
Sub-product: General purpose card
Issue: Fees

Complaint:
Every since I open my account with American Express Serve has been charging me Monthly Fees and not applying my direct deposit two day before my payday. I usually get paid on Saturday and as today XXXX XXXX, 2016 did not receive my payment. Please review my account and make they working according to Federal Regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Credit card
Issue: Delinquent account

Complaint:
In 2011, I had a Visa Credit card with HSBC Bank on which I defaulted. Their collection efforts were unethical as they harassed and intimidated me to settle the account in full. I felt harmed by the stress and intimidation they caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Midland to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX, have been having issues with someone using my identity to open accounts since XXXX of 2012. I have seen several accounts and inquiries show up on my credit reports that I am no responsible for. I am not sure of who may have obtained my information. I would like to have all fraudulent accounts and inquiries removed. The information of this activity has already been reported to the credit bureaus. I have also filed a police report for this incident.

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 2016-10-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On XX/XX/2016 I sent a letter to XXXX, disputing a alleged account that I do not recognize. The amount was for {$880.00}. Today is now XX/XX/2016 and I have yet to get a response from them disputing my letter. This is in violation of the law for fair reporting. They have taken more than 30 days to furnish proof that the account is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX XXXX, 2017, while checking my banking activity, I noticed that there had been a double payment made to my credit card with Comenity Capital Bank for {$3000.00}. I immediately called the Banks customer service and spoke to a person named XXXX asking that the over payment be transferred back into my account. I furnished her all my routing and account information and she said that it would take 7-10 days to complete the transaction. 

On XXXX XXXX, I called to check on the progress and was told by XXXX that the transfer was in process and sho0uld be in my account either that day or the next. 

On XXXX XXXX, I spoke to XXXX at customer service an was told that the refund would be processed after any outstanding balance on the current months bill was subtracted but since the amount was over {$500.00} their policy was to take up to 21 days to be processed. I asked to be transferred to a Supervisor. I then spoke to XXXX XXXX Badge # XXXX XXXX, who told me that Their policy was to hold refunds over {$1000.00} for up to 21 days. She stated that the refund would be processed and a check sent after the wait period. 

On XXXX XXXX, I received a letter from Comenity that I would not receive any refund since my balance on XXXX XXXX exceeded the amount of payment as of XXXX XXXX. Payment to Comenity for the initial was posted as paid on XXXX XXXX and the second over payment on XXXX XXXX, so this statement does n't make sense. Even today, I show a credit of over {$1400.00} on my account. They had already deducted the outstanding balance from the over payment, even though the bill for XXXX has just been sent out. 

Not only is this policy unreasonable but I do n't see how it is legal. I was lied to multiple times by various people and still have no idea how much or when I will receive any part of my over payment. I understand that the original error was mine, but do n't feel it excuses their response or very unfair procedure for handling over payments. Since I received this card through my XXXX membership, I plan to cancel the card and revert to the membership without a credit card. These people could take a lesson from XXXX, who knows how to handle customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax still shows that I have defaulted on my federal student loans when, in fact, all of my federal student loans have been successfully consolidated with XXXX. I have documents that can prove that, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax did n't remove the accounts they sent me a letter back saying that the items had been verified. I have requested an investigation and re-investigation on XX/XX/2016, XX/XX/2016 and again on XX/XX/XXXX, both times my request were ignored. I am asking that these accounts be removed as they are fraudulent and both request to have them investigated have been ignored.

Company response to consumer: Closed with explanation