BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KS
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
The second mortgage held by Fifth Third Bank was discharged in bankruptcy in XX/XX/XXXX, and was not reaffirmed. We have no personal liability for the debt. We have been unable to make payments toward the debt from XX/XX/XXXX through the present. Our home appraises with negative equity, it 's " upside down. '' We have recently had the opportunity to borrow a small amount of money from family and friends to attempt to release the lien on the property. We have offered a lump sum payment to Fifth Third Bank on XXXX XXXX, XXXX, and XXXX XXXX, XXXX, as well as several times in XX/XX/XXXX, including today, XXXX XXXX, XXXX. Fifth Third Bank has been belligerent to us repeatedly regarding the same, and has refused to negotiate with us in good faith. They have stated that they want the full unpaid principal balance paid. We have provided documentation to show financial hardship and a willingness to pay to release the lien, and they refuse to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hi, I have property in XXXX, Ohio. Morgaged via Fifth Third Bank. I missed a payment and continued to be harrassed by Fifth Third Bank personnel. I requested that they do not bang on my home door. Not only do they appear at my door but each day I have received un-postaged envelopes in my mailbox and envelopes taped to my outter door for other residents to see. I have pictures of the envelopes left at my home. This is harrassment and intimidation by Fifth Third Bank that I do n't believe other customers are treated. I am an XXXX Female

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I was in the military got XXXX in XX/XX/2016 XXXX XXXX XXXX XXXX hasn't been updating to my credit report at the past 6 years.. it has been showing on my credit report has charged off reporting a balance I have emailed them and emailed them and asked them remove it from my cr3sit for reporting false information I even disputed with the 3 credit bureas and still not removed

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 2020-01-15
Company: Global Lending Services LLC
State: GA
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 did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX 2016 of this year, I Became unemployed lost my job, me and my wife immediately notified our lender freedom mortgage, about the situation. We submit the proper paperwork over 5 times now. applying for so called programs that they offer. the first time there underwritter lost all of our information. We have been going through this process since XXXX of 2016 and every 30 days they need us to submit the same paperwork or make a payment by a certain date. We are making payments and they are not applying the amounts that we send in to our loan, so that they can continue to collect interest on our loan

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 2022-02-23
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I took out a XXXXXXXX XXXX/navient loan for school in XXXX. They continuely for years pushed me towards forbearance until I was out and then struggled to keep up with payments. I then went into default about1.5 years ago and paid XXXX a month to try and come out of default but they never took me out of default. They continued to report on my credit as charge offs. Finally XX/XX/XXXX I agreed to settle. I asked for more time until XXXX, they said no and then I would owe the full balance. I had to borrow money to pay the loan. They then still continued for 2 months until XX/XX/XXXX to report as charge offs. XX/XX/XXXX is the date of the class action lawsuit that I am apart of and eligible for loan forgiveness of to when I would be refund as well. They pushed me to pay so I would not receive a refund of the forgiven debt. I now do not have access to my online navient account and when I call the number it doesn't work

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
To : Bank of America XXXX XXXX XXXX, XXXX MD and Regulators of Bank of America Re : XXXX XXXX XXXX Senior Vice President & Leader of XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX. 
Business Loan Number XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Suitable Afternoon Regulators of Bank of America/Consumer Financial Protection Bureau . 

The letter will entail the reasons why the late payment on the credit profile of XXXX XXXX is invalid and violates the Mortgage Loan agreement and The Federal Credit Reporting Act ( FCRA ). 
Creditworthiness and Credit profiles allow Americans to remain sustainable during a crisisresilience is a score that determines the outcome of a financial profile. 
Bank of America adheres to Consumer Credit Laws and the Federal Credit Reporting Act ( FCRA ). 

I received a late payment which compromised his stellar performance and increased his overall resilience score. On XX/XX/XXXX, XXXX XXXX granted a line of credit regarding the Mortgage loan XXXX. My stellar payment history with Bank of America. Per the terms of the loan agreement, payments on the loan would continue if the loan wasnt satisfied pay the maturity date of XX/XX/XXXX. 
The Representative gave the option to continue with payments or satisfy the loan ; n continue with scheduled payments. 
Bank of America representative later contacted me and charged a late fee. 

There is a questionable reaction from the oblige when there are no revenue changes or gaps in the payment sequences. The Representative collected the remaining balance, which satisfied the agreement before the maturity loan date of XX/XX/XXXX ( Please see attachment ). 
Why did the Bank of America react adversely to oblige credit reporting, Creditworthiness, and banking profiles? 
Operational Risk and The Federal Credit Reporting Act ( FCRA ) are two risks. 
Once concluded, a review of communication gaps and all late payment removal on all significant credit and banking scoring profiles. The loan agreement complied with terms and is a long-standing member of Bank of America with a stellar payment history and never posed a risk to the institution or its operations?

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 2020-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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 did not authorize a hard credit pull of my credit. I only authorized a soft pull. 

Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit 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 explanation
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Removed Incorrect Addresses Transunion XXXX XXXX XXXX, XXXX, LA, XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA, XXXX I

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 2015-06-16
Company: OPEN MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Back on XXXX/XXXX/15 we received a full price offer on a home I am selling for my clients. The Buyers Agent submitted to her lender of choice, XXXX Mortgage of XXXX Texas, and we completed all steps to close the loan on XXXX/XXXX/2015. As, of today we have heard multiple lies and received multiple emails confirming the lies they have told both the Buyers Agent and I, XXXX. Today on XXXX/XXXX/2015 we heard the truth. XXXX Mortgage and her team have not submitted to USDA for approval nor received any reason this file would not be accepted. The XXXX team is very unproffessional and has done the same thing regarding another file last year. However, last year they stated the reason the file was not completed in time was because the processor committed suicide. I did end up closing that file three months later with XXXX. XXXX herself called me on this file I am speaking about and said this was a clean file and the actions last year are resolved and she has a whole new team and that I should not worry. Well two months later we are not closed and do not have a close date in sight. I want to make sure she is reprimanded fully.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: Moria Development, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Complaint : Unauthorized hard credit inquiry regarding a mortgage for XXXX XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) by Peoples Mortgage ( PM ) on XX/XX/2015. 

Contrary to XXXX & XXXX written instructions PM instructed XXXX to make hard credit inquiries to the major credit bureaus on XX/XX/2015. 

Despite XXXX repeated requests over two months PM failed to remove the unauthorized requests. Twelve months later they still show on the XXXX reports and continue to have an adverse effect on the credit scores. 

PM was asked to produce original documents such as Universal Residential Loan Application and a signed form of authority allowing a credit check. Since these documents had not been filed with PM they could not comply. 

A complete history of the XXXX requests and PM responses is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Servicer once approved me for Loan modification and forward information over the phone on XXXX/XXXX/2016 spoke with both XXXX XXXX XXXX @ Freedom Mortgage. Few days letter, XXXX who is the point of contact told me that loan has been denied because my investor did not approve for modification. On XXXX/XXXX/2016 I received very brief mail from Freedom mortgage regarding my modification has been denied due to Insufficient Income. They are telling homeowner different answer to denied them for modification. Homeowner is XXXX Veteran currently receiving VA XXXX & VA XXXX. When we spoke with them, we requested what income underwriter used for modification review but point of contact is not able to provide the information to us at all. They sent denial letter dated XXXX/XXXX/2016 does not stated any detail information on NPV inputs and ask Homeowner to appeal the process in 14 days in writing but did not provide me where to send appeal in writing. This mortgage has been transferred from XXXX XXXX to Freedom during my modification is being review. I am XXXX Veteran and this is VA loan. I would like to keep my property.

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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have been dealing with a really bad case of identity theft over 10 years now. Ive been trying to fix my credit and get my score above 750 but it seems like that the credit bureaus dont want to help me out I first the credit bureaus all had my wrong name they had my grandfathers name with my Social Security number my grandfathers name is XXXX XXXX my name is XXXX XXXX XXXXXXXX . I have multiple increase there for multiple banks for multiple loans for multiple vehicles for multiple credit cards all days apart and have no idea where theyre from and I kept trying to contact the bureaus and charge to dispute it with them but they told me to contact each inquiries individually.

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 2022-06-19
Company: BOEING EMPLOYEES CREDIT UNION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
You expect me to believe you're on my side and will protect me by giving my details to the scam artists in a gang of bank money proportions?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2017-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a charge account with  XXXX  Bank. Merchant made an error ordering equipment and wants me to pay for their error. The charge was put on a  XXXX  card. I am now in litigation with the merchant.  XXXX  expects me to pay and is reporting this as an over due account. The charge is still is dispute. They do not understand.

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 2016-04-27
Company: Affiliated Management Services
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving numerous phone calls from XXXX they never leave a message. A quick web search Identified the company. I have answered XXXX of the calls, but no one was on the other end. I have attempted to return the call but the person that answered could n't help me without my account number. 
I did weeks later receive a bill from them, which I logged onto their web site, and set up a payment arrangement for. I agreed to allow them to debit my credit card {$100.00} per month, and provided them the card number. The debited the card as agreed the first month, and XXXX each subsequent month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
WE SIGNED LOAN FINANCE DOCUMENTS TO ONLY LOWER OUR MORTGAGE INTEREST RATE, AND THE LOAN DOCUMENTS WERE CORRECT. THE LOAN BALANCE WAS NOT TO INCREASE AT ALL AND THE LENDER WSA PAYING THE XXXX CLOSING COSTS. WHEN THE FINAL DOC 'S WERE PREPARED, THE TOTAL LOAN BALANCE INCREASED BY XXXX, AND WE DID NOT CATCH THE ERROR. I 'VE CALLED NUMEROUS TIMES, WROTE TO THE COMPANY AND THEY ARE NOT DOING ANYTHING TO CORRECT THIS. THEY STATE THAT I SHOULD HAVE CAUGHT THE ERROR BEFORE SIGNING THE DOC 'S IN MY HOME. THEY PROMISED THAT MY LOAN BALANCE WOULD NOT INCREASE ... I WOULD NEVER HAVE AGREED TO THIS IF I HAD TO PAY ANY FEES. IT WAS A VERY SMALL REDUCTION IN INTEREST RATE.. I HAVE ALL OF THE DOCUMENTATION AND I 'VE ALREADY PROVIDED IT TO THE LENDER BY MAIL. DISCUSSED WITH MULTIPLE EMPLOYEES AND THEY STATE THAT THEY CAN NOT CORRECT THIS.

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 2017-02-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a visa credit card the I thought was a regular consumer card but when i got my last statement that raised my interest rate from 13 % to 29.99 % I found out that i have a business credit card which is n't what i asked for. 
The bank raised my interest rate because i had received my bill late during XXXX but when i did get it i opened it up and saw that it was late I took straight to the closest branch and told them what happened and paid it. They suggested that I contact customer service which I did. 
After contacting fifth third bank customer service and having them see I had never been late plus what happened they said ok and even took the late charge off. 
So according to everything I discussed with them everything was ok but this month i got my bill and saw the 16 % interest rate increase. 
So i called customer service to try to see what was going on. I talked with a service representative and told her what had happened. She said that was not normal to raise a rate that much on XXXX late payment especially once she saw i had never been late before. After about 5 minutes she told me what had happened. It seemed that i had a business credit card and not a regular XXXX which meant that the rules were different and strict so they could do that to a business account. 
I had a business account and credit card with 5th 3rd but because of the service I close the business account and was going to close the business credit card account and when I told them that they said that they would give me a regular account if I kept it open which I did and they gave me a new credit card with just my name on it and not the name of my company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23
Company: JPMORGAN CHASE & CO.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company XXXX XXXX  kept on calling my family members about a debt that was charged off by PROVIDIAN NATIONAL BANK which i was never affiliated with it apparently it has to do with a credit card that they provide online XXXX. I don't know anything about it XXXX and if I did do it I never received a card which I know I didn't do XXXX they charged it off and now XXXX XXXX XXXX that I owe over {$3000.00} which I never had the card I don't know what they're talking about

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: HW Holding, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I work for a company, this company has a dispute with the merchant and merchant did't get paid. 

All the invoices and Bills of Service has the company name but the merchant report my personal information to the credit reporting companies

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 2022-02-23
Company: UMPQUA HOLDINGS CORPORATION
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone in XXXXXXXX XXXX named XXXX XXXX is using my social security number and it shows on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation