BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XX/XX/22 I received a notification from XXXX XXXX that a new hard inquiry was submitted to my Transunion Credit Report from XXXX XXXX with a phone number of XXXX. The inquiry was dated XX/XX/22. To my knowledge I do not have any new applications for credit in process, nor have I specifically authorized XXXX XXXX to do any credit inquires. 

I called XXXX XXXX and they said they had no record of the inquiry and no accounts on file. Since I had identify fraud two years ago ( XXXX XXXX was one of the lenders ) I contact Transunion and froze my credit. They indicated that XXXX XXXX  did the inquiry per Permissible Purpose ( Section 604 15 U.S.C. 1681b ) but they have no details. Is XXXX XXXX obligation to disclose what the permissible purpose is? 

I did receive a settlement check and a letter from XXXX XXXX dated XX/XX/22 for as settlement I was not aware of. See FTC vs AMG XXXX. 

It would seem odd for them to run any inquires after checks have been issued. 

Please advise.

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 2017-05-01
Company: MORTGAGE CAPITAL ASSOCIATES, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On   XXXX   XXXX   XXXX    , Mortgage  XXXX  promised me by email a  XXXX  rate lock on a  XXXX  -year fixed refinance. The 45 days started on   XXXX   XXXX   so the rate lock period should expire on   XXXX   XXXX       On   XXXX   XXXX   I was asked by Mortgage  XXXX   XXXX  to sign " missing '' initial documentation. On this allegedly " missing '' documentation, the rate-lock period had been changed to expire on    XXXX   XXXX    which would amount to a rate lock period of 24 days instead of 45 days. This was a major red flag. I am in North Carolina and Mortgage  XXXX  is in  XXXX   XXXX . The distance made it especially important that I could wholeheartedly trust this company. They had no right to alter a guaranteed rate lock.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I applied to Bank of America on XXXX XXXX, XXXX for a loan modification to my home equity line of credit which was converting to very high monthly payments. I could not afford the higher payment because I am XXXX and can not work. 

I was finally approved for the loan modification XXXX XXXX, XXXX and signed the agreement dated XXXX XXXX. There were conditions, must make the payments during the trial period, XXXX, XXXX, XXXX on time. 

I was assigned a resolution case manger, XXXX XXXX. She explained how the process would proceed and that late payment information regarding the loan reported on my credit bureau by the Bank would be taken off, " just be patient ''. 
I made all payments during the trial period as agreed. 

I reviewed my credit report this week. It shows an alert. I am over 30 days late in XXXX, over 60 days late in XXXX and over 60 days late again in XXXX for this Bank of America of home equity loan. The payments were made during the trial period of the modification on time and as in the agreement. 

As a result of the erroneous reporting my credit score has dropped significantly. 

Recently, my income has decreased from what I originally reported to the Bank. I tried calling the Bank several times hoping to get my credit file corrections expedited. I called XXXX XXXX, left several messages, no return call. When I finally got through to Home Loans Department, the gentleman said I " should be glad I still have my home ''. 

Yes, I am grateful that I got the loan modification and want to make all payments on time, but I will need at least a good credit score to exercise what options I have left to help me before too much time passes.

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 2015-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Cash advance

Complaint:
Recently XXXX less than 1 week ago ) I was short of funds and had to take a cash advance on my capital one credit card. I received the necessary funds to repay the full balance of the cash advance and called to get the I formation on how to do this. When speaking to the representative, I asked him what the procedure was to accomplish this as I have always been able to do this in the past with other credit cards. " XXXX '' the representative insisted that this was not possible and stated that the payments are always applied to the lowest interest rate XXXX and then they would go to the highest interest rate charges after all of the other balances were paid XXXX. This is totally unacceptable and potentially criminal! So what they are telling me is that I will be paying 30 % on the cash advance until I pay my entire balance in full?!? I told the rep that what he was saying was wrong and he proceded to tell me that they ( Capital One XXXX WOULD not help me. I have already been charged XXXX separate {$10.00} cash advance fees, which I understood and acknowledged before I made the withdrawals, but what he is saying was rediculous! I told him that I was going to report them to a government agency, and he was very rude and still very unhelpful. 
I am certain that there are laws prohibiting credit card companies from doing this. Please advise me of my rights in regards to thisThank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Navy Federal Credit Union is my primary bank and I have had a previous primary and investment mortgage with this financial institution therefore I wanted to continue doing business. I submitted an application in XX/XX/XXXX to refinance my current conventional mortgage into a Veteran Administration mortgage. I received a letter denying the refinance XX/XX/XXXX because Navy Federal Credit Union noted that I did not meet Veteran Administrations guideline for 6 months consecutive payment since I had made a year advance payment on my current mortgage after receiving proceeds from a previous home sale. On XX/XX/XXXX, Navy Federal Credit Union mortgage processor, XXXX XXXX, asked me to contact my current mortgage company and request an account activity statement which would reflect how the payments were distributed monthly. I provided the account activity statement to her via email the same day. I then contacted Veterans Administration home loan department and the underwriter I spoke with stated that the " 6 consecutive payments '' requirement is onlyapplicable if it is a VA to VA loan. In my case, my current loan is conventional and I am refinancing into a VA loan. The underwriter provided VA circular # XXXX on page 4 which I also provided to XXXX XXXX via email. She then tells me that their institution also has to consider Government National Mortgage Association ( GNMA ), Page 7, subsection ( d ) ( i ) and ( d ) ( ii ). Which basically is the same consideration for 6 consecutive payments. The account activity statement satisfies how the payments were consecutively allocated towards the mortgage on a monthly basis which meets the guidelines for Veterans Administration and Government National Mortgage Association therefore I am requesting an objective third party review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was divorced on XX/XX/2019. My ex-wife was awarded the car in the settlement and I was to be held harmless according to the terms of the divorce. My ex-wife refused to make payments and the car was subsequently repossessed. I was notified that my credit report has taken a hit ( it is the only item on my credit report ) and that the car will be auctioned off and I will be held liable for any monies that are not covered by the amount the car was sold for. I have attached the divorce decree for clarification.

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 2015-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America is only paying part of my payment {$140.00} not {$430.00} towards my mortgage as loan I signed. I do not have escrow, I pay all of my taxes and insurance. This is reported as negative to XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im writing to try and clear this up this company has been confusing me for my son there is a XXXX and a XXXX. Which they have been getting wrong i dont know this company nor any of there affiliates i have never signed any contract with them nor any of there affiliates

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Nelnet, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  # XXXX ( input accounts ), has violated my rights.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

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

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 2022-06-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX, I applied for COVID payment assistance through Chase on my Chase mortgage. The payment assistance renewed every 3 months, and I was told that it would continue to renew through end of year in XXXX. I talked to Chase multiple times that year, each time to renew my payment assistance. Although I was enrolled in this payment assistance program, I continued to make payments for MOST months during the assistance period. Then, Chase incorrectly reported my account delinquent to the credit bureaus in XXXX, XXXX. This is inaccurate. I was misled by Chase, who told me that I was still under a COVID payment assistance program in XXXX and XXXX of XXXX. I feel that Chase was deceptive and did not properly adhere to the CARES Act. It is even more frustrating that I was making payments for most of the months of this assistance, but when I actually NEEDED the assistance to come through for me in XXXX XXXX, it failed me. Chase failed me as their mortgage customer since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My Home Loan Servicer did not properly allow for my participation in a mandated Home Loan foreclose avoidance program nor did they provide me with the information or guidance in a timely manner to prevent the impending loss of my Home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( XXXX ) {$4000.00}, XXXX XXXX ( XXXX ) {$1700.00}, XXXX AR XXXX ( XXXX ) {$1600.00}, XXXX XXXX XXXX XXXX {$590.00}, XXXX XXXX ( XXXX ) {$330.00}, XXXX XXXX XXXX {$130.00}, XXXX XXXX, XXXX XXXX ( XXXX ) {$140.00}, XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) {$360.00}, XXXX ( XXXX ), XXXX XXXX ( XXXX ), has violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Professional Placement Services, LLC
State: IA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I received notification on XX/XX/XXXX that my credit score had changed. I opened XXXX up to research what has changed on my credit report. along with my credit score dropping XXXX points. A collections account from Professional Placement Services was placed on all three of my credit reports. The original Creditor was XXXX. The origination date was XX/XX/XXXX. This account just appeared on my credit report this weekend. The trade on my XXXX credit report states that this account last reported XX/XX/XXXX, which is false. XXXX shows that it just reported XX/XX/XXXX for the first time. This account has never reported until today. I check my credit report weekly. In reviewing the trade line, it stated that this account was assigned to Professional Placement Services on XX/XX/XXXX. Attached is a copy of my XXXX credit report from XX/XX/XXXX and XX/XX/XXXX. I then thought about it, The medical bill that I did have during XX/XX/XXXX was included in my Voluntary Amortization of debt of XXXX. ( chapter XXXX ) a repayment plan in which it is file with the Wisconsin Court System. This account was paid off and satisfied through my bankruptcy repayment plan. XXXX could not have assigned this debt on XX/XX/XXXX because it was a part of a bankruptcy repayment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My brother died XX/XX/XXXX. We were told to keep the Bank of America account open until his XXXX benefits were resolved. We started trying to close the account in XX/XX/XXXX. The last forms were signed XX/XX/XXXX, but still no money. We escalated to a formal complaint on XX/XX/XXXX. Still no money. They have an original death certificate & multiple copies provided via different methods over the past few months. XXXX XXXX XXXX at the XXXX XXXX, XXXX, VA, branch where forms were signed wo n't answer the phone & wo n't return calls. The " Enterprise Estate Unit '' contact of XXXX XXXX has n't communicated in days. We have no idea where the account stands, and no one can tell us why it ca n't be closed. We 've been waiting months & need this money!

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 2016-08-07
Company: TENET HEALTHCARE CORPORATION
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I first learned about this debt collection effort when I was notified by my identity monitoring service of adverse information being submitted to credit agencies. I had never received any bills or notices about this debt in the mail. The identity monitoring service gave me the name and phone number of the debt collection agency. I called the debt collector on XX/XX/XXXX and learned the original bill related to an XX/XX/XXXX visit from a year ago. For some reason, they had the hospital 's address listed as my home address ( although they did not recognize it as such ), so that any bills, statements, and notices that may have been mailed were sent to the hospital rather than to me, which is apparently why I never received any notices. I had received other bills in the mail related to this visit ( ambulance, the doctor who examined me ), so it 's not clear why neither the hospital or collection agency could find my correct mailing address. After several more phone calls, I finally received a bill in the mail on XX/XX/XXXX, but the amount was higher than my insurance company said I should pay after accounting for payments they had already made. When I called, I was told to have my insurance company fax an Explanation of Benefits to the collection agency, which I did on XX/XX/XXXX. I called the collection agency back on XX/XX/XXXX, verified that they agreed with the lower amount, and was told to mail them a payment for that amount, which I did on XX/XX/XXXX. They also told me they would send me a verification letter upon receipt of my payment, and that they would also notify the credit agencies. My bank shows that my check was processed on XX/XX/XXXX. After not receiving anything further in the mail, I again called the collection agency on XX/XX/XXXX, and was told that my balance was now XXXX and that the debt was paid in full. I again requested a confirmation letter and notification to credit agencies. After hearing nothing, I again called on XX/XX/XXXX, and was told that processing could take 30 to 45 days. As of today ( XX/XX/XXXX ), I still have not received my requested statement showing the bill has been paid, even though the check was processed over 2 months ago. It also appears that no updates have been submitted to credit agencies, so that they are still showing that I have an outstanding debt in collection.

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 2022-06-01
Company: Albert Corporation
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had a checking account opened with a XXXX  named Albert ( https : //albert.com/ ) for over one month. With no prior notice, I was blocked from accessing my account, and the debit card no longer works. I tried contacting the company, which demanded a bunch of documents from me -- purportedly to verify my identity -- and I provided all of it promptly. ( They made me email the documents to a generic support inbox, and did not provide a secure portal to do so, even though it was highly sensitive information that they wanted. ) Yet, despite providing the information by email in a prompt manner ( within about an hour ), my online account access has not been restored, and I have no access to the funds in my account. 

This XXXX raises huge red flags because there is no way to speak to a human. The company has a phone number, but it consists only of prerecorded messages, and there is no way to navigate to a human ( you can try for yourself ; the number is XXXX ). The company insists that you contact them through text or email, but they do not respond promptly to either mode of communication. Best of all, they actually encourage you to pay a monthly fee to have access to their representatives ( ironically called " geniuses '' ) by text, even though the representatives are basically nonresponsive when a concern actually arises. 

Their XXXX  page is filled with complaints similar to mine XXXX XXXX XXXX XXXX ). Can you imagine if a real bank didn't have a phone number that allowed you to speak to a human? And also if that bank locked you out of your account and made your funds inaccessible, with no prior warning? That's exactly how this company operates. I urge in the strongest way possible that an investigation be opened into this company and how it operates. No company should be able to freeze your account for no apparent reason without providing a means to speak to a human to obtain a prompt method for resolving whatever the issue is. Don't let this company escape responsibility for its shoddy operations.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Santander Consumer USA Holdings Inc.
State: FL
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:
My credit score was just damaged by 109 points because Santander Consumer is falsely reporting amounts! This keeps getting worse with this company, they now say I owe {$200000.00} on a {$20000.00} auto loan that is in arbitration as I file this complaint. This company has been the bane of my existence. Now they are filing false claims about me to hurt my credit right after I have filed to put them in arbitration.

Company response to consumer: Closed with explanation