BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX, we filed a chapter XXXX bankruptcy in XXXX. In the bankruptcy we listed a house which had an FHA loan on it. The loan was serviced by Countrywide, who was purchased by Bank of America. We did not want to keep the property. The bankruptcy was approved, and our debts were discharged on XXXX. 

Since that time, the lender has refused to take the title to the house. We have made many attempts to sign over the deed. I have many notes of telephone calls, etc. They were not returned. This past year we even hired an attorney to contact BOA to facilitate signing over the deed. Her calls were not returned either. 

We have been told by several banks that we are unable to refinance our current mortgage or obtain a new one until this house is out of our name. Worse, we have been told that if the bank takes it by foreclosure, it will appear on our credit report as a new foreclosure, just as if a new financial crisis occurred instead of dating it back to XXXX. 

We believe that this situation is fundamentally unjust. We had to file for a bankruptcy due to a total XXXX. We are trying to get the fresh start which the bankruptcy laws are designed to provide. We have been managing our financial affairs quite well in the over six years that have past. How is it that Bank of America can be allowed to crush our future? 

We suspect that the whole problem is the FHA mortgage. As we understand it, when a borrower defaults, the US government steps in to make the mortgage payments. This continues as long as the house remains titled to the borrower. If the bank takes it back and sells it, the bank only receives a portion of any loss from the government. We understand that banks might or might not be the ultimate bondholders of the GNMA pool containing the mortgage. However a servicing fee is paid to the the bank. What inventive does Bank of America have to take back the title? From where we stand, they have no incentive. 

An interesting contrast is found with the other property we listed. That was not insured by the government. The lender with that mortgage took the title immediately, and sold it. The entire matter was complete within six months of discharge. 

We are asking the CFPB to investigate why this is taken so long, especially given the heavy documentation of our willingness to sign the deed over. Further we want the CFPB to insist that our credit not be harmed any further

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 2021-02-07
Company: Conn's, Inc.
State: MS
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: Problem with personal statement of dispute

Complaint:
How is this reporting accurate when the date of last activity is different on each bureau, I seeing 3 differnt dates reporting. Please send me proof of validation and conduct a proper investigation on my behalf. what WAS the method of verification that you used. Did you send a dunning letter before you reported inaacurate information?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Our loan started out as a revolving credit line, but then matured into a mortgage some years ago, a second trust deed secured by our home. On the date of its maturity, the bank cancelled the associated credit card and precluded any further credit charges. The loan was converted from a credit line into a mortgage as far as usage and loan servicing is concerned. So far, everything as we agreed. 

The problem is that the bank is refusing to change the loan category to a mortgage. With the loan reported in its obsolete pre-maturity form as revolving credit, the credit reporting agencies add the outstanding principal to our credit card debt, artificially inflating our debt-to-income ratio. This is ruining our credit, preventing us from refinancing this mortgage or any other mortgage. According to XXXX, the bank could switch from reporting this as credit card debt to mortgage debt with a simple and quick setting changeWe are requesting that you compel the bank to make that setting change now, and report what has matured into a mortgage as a mortgage. 

Please note that we are not asking any of the data reported about the loan to be changed, only that the bank stop characterizing it as revolving credit so the credit reporting agencies reclassify it with our mortgage where it belongs. As far as the loan itself goes, all payments have been made on time throughout the history of the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Problem with personal statement of dispute

Complaint:
Bankruptcy Court is not an information provider as we do not report any information to these agencies. 
Under the Fair credit reporting act, take appropriate action to correct inaccurate or incomplete information on a credit report. I spoke witht the courthouse and they not verify bankruptcy at all with you

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 2017-01-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed multiple times the incorrect information being reported for an installment loan from XXXX that 's has been continually reported as a mortgage loan and now I am unable to qualify for a first time home buyer loan due to this issue so I am unable to purchase a home and I am going to have nowhere to live due to the fact that my current lease is getting ready to expire.. PLEASE help me, I do n't know what else to do, myself and my son are in a very difficult situation and I need immediate assistance. 

I from the bottom of my heart appreciate your immediate assistance. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient has outrageous interest rates. I was on the income driven plan that paid {$230.00} in interest only payments. The only reason they made a deal with me was because I was late on a payment or two. I tried calling previously and said they would n't be able to do anything for me because I could pay the {$500.00} a month payment. In order for me to get a lower payment, they extended my loan term to 40 years. There is no way I will be able ever pay off my student loans. It 's cheaper for me to stay in school at least part time than it is for me to repay my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Bank of America has sent be a Mortgage Modification for the third time. I have a modification on file in XXXX County, Florida as required that supersedes the one they have sent me. I call the lender and all I get is pushed around. This is the XXXX complaint I have filed on this issue. The modification they have sent would double my current payment and add {$75000.00}. to the balance of my mortgage

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2021-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Ive tried calling all three of the credit bureaus to update and correct my personal information only to get nowhere. It just feels like they do not care about the people anymore or care to help.

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 2015-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I have had a Bank of America credit card for about 8 years, and the minimum payment used to be around {$45.00}. Over the years, every time I used the card the minimum payment went up, and by XXXX the minimum payment was {$220.00}. Unfortunately, my mother-in-law died on XXXX XXXX, which was the date on which my credit card payment was due. I missed the date by four days, and made a payment of {$320.00}. Then I received a bill for a minimum payment of {$460.00}. I think that this Bank of America financial policy is abusive, fraudulent, and illegal. Can you please do something to help me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Had my unemployment backpay sent to this account. After waiting 180 days, they refrozen my account and made it where I can not log into my account. Prior I could not transfer my money. They now have made it to where I can not log in to see my funds or speak to anyone in customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a bank account with Bank of America. Since I am not XXXX I was using it not often. My XXXX address was reported to the bank and I was receiving monthly statements. 
The account was free, as well as using cards. 
Than, few years ago the statements stopped to be send to my address without any warning. 
I tried to log in via internet, but I could not ... later I learned my account was blocked and moved to " frozen accounts ''. I had no statements, no internet access and without any information bank introduced a monthly fee of XXXX I had no idea that over years - XXXX of USD were stolen by the bank from my account. So without any information I was introduced a fee, to an account which usage was blocked to me and any track of charges were hidden ( no statments sent ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-26
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020, sent them a letter to provide me with factual evidence that I have any legal obligation to pay the debt and provide me all the proper documentation I need. listed in the letter attached here but I never receive any.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07
Company: EQUIFAX, INC.
State: IA
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:
I called the three credit bureaus to try to update and remove old personal information on my account only to get nowhere. It seem like a hassle nowadays to get any help from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: AES/PHEAA
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have reached 120 qualify payments and can apply for loan forgiveness however FedLoans is saying that three of my payments that were made which I have documented and bank statements proving were made on time and were qualifying payments have not been included in this is delaying my forgiveness process. I have asked for a manual review as far back as XX/XX/2020 was still no resolution to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-15
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
They are showing a collection account as unpaid with a {$630.00} balance and are telling me they have contacted the original creditor along with the collection agency and verified it. I have contacted original credit and the collection agency and they both have that the account was paid in full with a {$0.00} balance. Equifax will not correct my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a hard pull inquiry for XXXX. I 've never had an account with XXXX XXXX nor have I ever applied for service with this company. I have contacted Experian about it a few different times and XXXX and they wo n't take it off my report, and basically are just sending me back and forward between each company with no results. Nor has either provided me with their invesitagation findings, which let 's me know it has n't been investigated at all. This is bringing my score down and is n't fair to me.

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 2015-09-12
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
An account that I cosigned on XX/XX/XXXX was paid in full and had been paid in full in XXXX and closed in XXXX showed up my equifax report in XXXX. I submitted a complaint in XXXX stating that the account was closed almost 11 years ago and they needed to remove this. XX/XX/XXXX this account was reported that it was derogatory and we filed a dispute and XXXX sent us a letter telling the credit bureaus not to report it any more. We asked that it be removed the credit bureau investigated and their investigation showed we did have that account and so they would n't remove it. They stated it would stay on our records for 10 years from XXXX. We never disputed the fact that it was n't an account we cosigned on in fact I stated that in my explanation of the complaint. we were disputing the fact that it had been over 10 years since the account was closed that that far exceeded the 7 year reporting limitations on the account. When we had the problems XX/XX/XXXX with the reporting of this account as derogatory, XXXX sent letters to my husband and me verifying the accounts were closed in good standing with no deliquencies and the credit bureaus were to not report this account. Now how does the credit bureau think they have the right to report this account for ten years from the time we disputed it and they ignored the time the account can be reported by law and now they want to keep it on file another ten years

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I hAve XXXX hard inquiries that I have not done. 
XXXX XXXXXXXX EquifaxSays made XX/XX/2015Please Investigate and take off my report. I am trying to fix my credit not damage it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: New Mexico Educational Assistance Foundation
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I just found out a couple days ago i had a judgement lien put on my home in XX/XX/2010 from a judgement that was settled in XXXX for student loans. I only make XXXX a month and behind over XXXX on my HOA. I am XXXX my home is in bad shape and upside down on it i would have to pay XXXX to get me out of this home. Although with this judgement lien my payment goes up to XXXX or more I wanted to move into a safer home with friend but i can not do it with the judgement lien. Why do i have a lien on my home from XXXX XXXX XXXX attorney for a judgement creditor. My credit is in excellent condition XXXX with XXXX  XXXX XXXX and XXXX XXXX. Is this a valid lien this already went to courts and the judge made a ruling on it the judgement dropped off my credit report years ago. I have filed for a XXXX discharge pertaining to my student loans yesterday if excepted will this help my student loan judgement lien disappear. 
Sincerely, XXXX XXXX

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 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/2021, I attempted to dispute inaccurate information on my credit score affecting my credit score, because I am trying to apply for my va loan to purchase a home, I've contacted the credit bureaus to delete over 13 accounts that exceeds past the 4 year california statute of limitations, but the creditors keep illegally re-aging the accounts that total up to {$20000.00} and the credit bureaus keep allowing me them to, when I dispute the items to let them know what they are doing is illegal, experian, transunion, equifax blocks me from filing the disputes, this has became on ongoing problem for years and something needs to be done about it, I am tired, and frustrated because they keep my scores in the low 500 's when my scores should be in the mid 620s to 670s, everytime I contact them they do not fix the issues that these creditors are illegally causing

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 2021-02-07
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Sir, I was on 0 % interest payment plan on with my above Wayfair account. I paid the monthly amount without any delay till XX/XX/2020. On the month of XXXX I paid the total amount due in full, Unfortunately due to pandemic Comenity bank received the payment after three business days after my payment plan ended. The delay in receiving was due to pandemic reasons. Bank charged me over {$850.00} in interest for the three days delay even in the middle of the pandemic. I talked to the customer service team over 30 times. Every time I talked to the customer service team they agree with me it is unfair to charge this enormous fees for three business day delay and they will say they will speak to the surer wiser and remove the fees. Till now the fees has not been removed and I was getting charges on the late fees. Pls. consider my case and remove the late fees and interest charges charged me for the delay in receiving the payment by three business days. You can be reach me at XXXX for any questions. I expect a fast remediation of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have file a report with you to send to Equifax report # XXXX dated XX/XX/XXXX. 
Equifax Accepted and deleted the false report by XX/XX/XXXX. but I check my credit report again and the bankruptcy is reported back again .... and it is NOT MINE. please check the last XXXX numbers of the bankruptcy report attach it shows XXXX NOT MINE ... ... my last XXXX are XXXX WHY CAN THEY SEE THIS BIG MISTAKE THAT IS RUINING MY LIFE ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Merchants and Medical Credit Corporation, Inc.
State: OH
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In XX/XX/2020, cash app allowed government benefits to be loaded on to their website. 
They promoted the pandemic unemployment by issuing an account and routing number. 
I allowed my brother to use my cash app to load his benefits and I paid him cash from my bank account. 
Soon after, my account was hijacked and I had to watch in real times as my money was sent to my late husbands aunt, XXXX XXXX ( XXXX XXXX, on cash app ). 
She took {$3900.00} and {$1500.00} back to back and also ran my card numbers at the local XXXX XXXX. 
I sent over XXXX messages to cash app, as they didnt have a customer service number, and I havent been helped. 
I called her bank, XXXX XXXX and also the police. 
As soon as she took the money, I was submitting for a refund. 
Cash app could have intervened, especially in a transaction so large, but they did not. 
One time, someone sent me {$500.00} and cash app put a delay on it for 24 hours. 
Why was she able to send a {$3900.00} transaction and a {$1500.00} with no hold, no review nothing. 
I was hacked and have had no justice since she lives in Florida, and I live in Ohio.

Company response to consumer: Closed with explanation