BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have my mortgage loan with Bank of America. This is the second time I submit a complaint against the bank, when they send a letter to me threaten of losing my house. I am making payments faithfully every month, as evidenced in the attached document, however, their harrasing practices of sending certified letters to my house for " missing one payment '' are not absent in the past two years. 

Two years ago, I filed a complaint because Bank of America kept denying me the right to file for a Home Loan Modification. Afterwards, this loan modification was approved for the amount of approximately {$1700.00}. I pay every month {$1700.00} through my bank. I filed for bankruptcy in XXXX, 2015, but continued making my mortgage payments without missing one, and as stipulated in the borrower agreement. Today, I received a threatening letter of foreclosure because they have n't received the current payment, which I have the right to pay XX/XX/XXXX. 

If further documentation is needed, I will communicate with my lawyer who has all my financial paperwork, included the agreement of Bank of America for the beforementioned loan modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM 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 PENNSYLVANIA XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-06-08
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My Best Buy Citibank credit card is charging me almost {$100.00} a month in interest fees. I made a payment of {$500.00} in hopes of reducing my debt. Yet Im being charged almost {$1200.00} a year in interest. Im laid of due to the Coronavirus. This is absolutely disgusting.

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 2015-06-13
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This was paid as confirmed by XXXX XXXX XXXX!!!! ( See Attachment )!!! Yet XXXX is showing a balance due ... No due diligence by XXXX nor Equifax who has been notified by both me and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: CORELOGIC INC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I got a hard inquire from Credco on XX/XX/2020 that I have no relation or authorized and reporting on XXXX, XXXX, and 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 2021-12-27
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I was paid {$20000.00} from my client for my services through PayPal. PayPal limited my account from me withdrawing my funds and doing a instant transfer. 

They charged me {$710.00} for receiving my payment from my client and now they are holding my funds XXXX  stating that I cant receive my remaining funds in my PayPal account till 180 days and that they are closing my account down. 


This was so wrong.. They decided to do me this way during the holidays so I had to go without and still not able to withdraw my funds after doing everything they have requested for me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: CITIBANK, N.A.
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Hello, XX/XX/2015 I signed up for the Citi Gold checking account to receive XXXX miles though XXXX. The requirments were, Open a new Regular Checking account in the Citigold Account Package by XXXX/XXXX/15. 
Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank XXXX XXXX which must be posted to the new checking account. 
And 1 qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. 
I met all the requirement and Citi confirmed I would receive my XXXX points by XXXX. I have tried contacting Citi several times about this issue with no feedback or resolution. I am also being charged {$30.00} a month for my checking account to stay open.

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 2016-01-10
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was in school at XXXX University at XXXX during the XX/XX/2015. Despite being in school, Navient has reported my account to the credit bureau as late. They have received proof from the University to show my half-time enrollment. My loan was supposed to be in forbearance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
In XXXX and XXXX of 2021, I filed a dispute with, XXXX and Transunion credit bureau about the unverified account XXXX XXXX XXXXAccount number XXXX. In those 2 months I have asked numerous times for a response. I have not received anything in response from this bureau in over 60 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank 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 non-monetary relief
Consumer complaint received 2017-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
SUMMARY : 1. Bank of America refused to give me a receipt for cash money received. 
2. Bank of America charged me at the higher Cash Advance interest rate for services rendered

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 2021-02-05
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I moved from XXXX, North Carolina to XXXX, Texas on XX/XX/XXXX, however my lease wasn't set to end until XX/XX/XXXX. Prior to moving, I contacted XXXX XXXX and scheduled to end my service on XX/XX/XXXX as well as provided them my new address. 

On XX/XX/XXXX I received a paperless bill with a balance due of {$230.00}. This charge consisted of {$130.00} new charge and {$100.00} from the previous bill. However, when I logged into my XXXX account and paid, it only charged my card for the new amount of {$130.00}. 

I believed my account from XXXX to be settled and did not know of the {$130.00} ( the XXXX from XXXX and the partial from XX/XX/XXXX - XX/XX/XXXX ) that was still pending as unpaid on my account. 

In XXXX of XXXX, I went to get pre-approved for my first home mortgage loan and was made aware of a subpar credit score on XX/XX/XXXX. On XX/XX/XXXX, I was told by the lender that I had a collections charged to my credit score in XX/XX/XXXX by a company called Helvey & Associates. I had to ask who Helvey was as I had never heard of them and were told they were trying to collect {$130.00} from me after buying the debt from XXXX XXXX. 

This was the first time I was hearing of this unpaid account balance. No letters from XXXX XXXX, calls from XXXX XXXX, letters from Helvey, or calls from Helvey were ever received or this charge would have been paid immediately. 

I called Helvey and was told there was nothing they can do but I could pay XXXX and appeal. I immediately called XXXX XXXX, paid the balance, and was told they would notify Helvey. I am now being told that despite the lack of communication concerning this charge by both XXXX and Helvey, and the fact I paid immediately upon learning of it, nothing can be done to delete it from my credit report and help to repair my credit. 

I have a long-standing history of on-time payments, including credit card bills, rent payments, car payments, and payments to XXXX XXXX themselves.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27
Company: Consolidated Information Services Solutions, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I got a hard inquire from Universal credit svcs on XX/XX/2020 that I have no relation or authorized and reporting on XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had an account with XXXX XXXX that was closed as a paid charge off back in 2007. Recently I acquire another XXXX XXXX card and they are mixing both accounts and adding them as the same XXXX. I have never been late on my XXXX account and the charge off should had been taking off as it is passed the 7 year expiration marked. They are confusing these and this is making it impossible for me to get a mortgage. They need to fix this immediately by removing the old charge-off account. I am attaching the most recent statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Good afternoon, I contacted Equifax regarding a judgment on my credit report. The Judgment was paid in full in XXXX of XXXX. I initiated a dispute in XXXX of XXXX to dispute the unpaid judgment on my credit report. The status came back as still being unpaid. I called the court and gave them the number off of the credit report and they stated that yes it was paid. I asked how the credit bureau obtained information regarding my judgment and the court stated that they do not report to ANY credit bureau. I called the Equifax number listed on the report from the dispute and was told the status was still unpaid and that they communicate with the courts electronically. I explained to the gentleman that the court did not report anything to him and he stated several times that the report says they did. I called the court a second time to verify that they in fact DO NOT report to ANY credit bureau. I did a little research on the Fair Credit Reporting Act at the following site : www.creditreporting.com According to my research the credit bureau illegally obtained the information regarding the judgment in question. 
FCRA 603 Definitions ; rules of construction [ 15 U.S.C. 1681a ] States the following : XXXX Excluded communications. A communication is described in this subsection if it is a communication ( XXXX ) with respect to which XXXX the consumer who is the subject of the communication XXXX consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; XXXX XXXX XXXX in the case of consent under clause ( XXXX ) or ( XXXX ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; I gave neither explicit nor implicit permission for the release of any information regarding said judgment to Equifax. The information obtained and displayed on my credit report was obtained illegally. It is at this time, based on the above law, that I am requesting the judgment be removed from my Equifax credit report. I have contacted their resolution team and spoke to a XXXX XXXX XXXX XXXX and she refused to remove it because it is not their company policy. 
Please feel free to contact me further regarding this situation as I would enjoy speaking to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Good Morning, To whom it may concern, My name is XXXX XXXX and I took a personal loan of {$6000.00} with the intention of paying it back in timely manner, the only purpose of mine was to get a loan and pay it back on time each month so this may help me improve my credit score.

when I took the loan, at the time my credit score was not good and I knew I'll be paying higher interest rate but since the day I got the loan I been trying to get my disclosures to see the terms I signed up for but this company failed to provide anything. 

I specifically requested for 3 year term plan and the gentleman who helped me assured that this loan will be paid off within 3 years as long I am making a payment of {$190.00} each month. its been almost 2 years and my payoff balance still showing of nearly {$5000.00}. I never skipped or delayed my payments. 

few weeks ago I tried contacting the financial institute to find out about more loan, here are some facts I was told about my loan, XXXX, I signed up for 5 years and we cant not provide you any written documentation about that, XXXX there is no disclosers we can you provide your, it is what it is, you are locked for 5 years. 
XXXX if you don't pay the loan we have a lien against your car. 

To whom it may concern- I also work in banking field for over 6 years now and currently working as mortgage processor and its fair to say that I know the lien process, but if you were never told upfront about the collateral lien XXXX how can someone just say we'll take your car away. 

I been trying to contact the upper management to look into my 3 years of loan instead of asking me for XXXX additional years. ( something I never singed up for, if I signed the docs for 5 years Please provide me the documentation including the interest, rate and term ). I dont have problem paying either of the term but my concern with this institute is I did not ask for 5 year for a personal loan. 

Sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Collection Bureau of the Hudson Valley, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received any information about this debt. I have written letters asking for validation with no response. This company has also reported the same account twice, at the same time, to XXXX during a previous dispute. They have committed multiple FCRA violations and XXXX refuses to remove the account. This account has also been deleted from my report multiple times, only to be added again within a day or so by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have two unauthorized purchase on my Citibank Credit Card at XXXX XXXX. When I contacted Citibank I was transferred to their fraud department and I was told that since I do business with Home depot using my XXXXXXXX XXXX card, I made the purchases and I have to pay for them or I am to take the items back to XXXX XXXX for a refund. I told them I did not made the purchases and I have no items to take back, so how are they telling me that I must go and get a refund. I was told to pay a {$35.00} min payment on XX/XX/21 so that I would not have to pay a late fee and the and {$35.00} min payment will be credited back to my account and the fraud transactions will be credited back to my account. That did not happen. I called again on XX/XX/21 and spoke to XXXX, XXXX and XXXX who told me that the case is closed and I have to pay for the items. I am the only person that have access to my card. The cancelled card is still in my possession and I was sent a new card. If the transaction were mine, why would Citibank send me a new card? After several attempts and no resolution, I told them that I will not be paying any more money on this account because I did not made those purchases and I am a victim of fraud, and I am going to dispute the transaction when they send my account to the credit bureau for nonpayment and provide my evidence that I was at work when the in store transactions took place. I go to lunch from XXXXXXXX XXXX., I have to log in and out, and the transaction was made at XXXX per email message received. All calls are recorded and I am requesting that those calls be looked into. I am also attached a letter from my office manager to verify that I was at work along with a copy of the email.

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 2020-06-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I contact all 3 credit bureaus about these fraudulent accounts on my credit report and no actions have been taken. I will take legal action because this is just ridiculous. I've also contacted the FTC regarding these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I have a copy of a letter I received from XXXX XXXX XXXX dated XX/XX/XXXX telling me XXXX XXXX XXXX would request a fraudulent hard inquiry to be removed from my credit reports. Today, over 7 months later Equifax has not removed this fraudulent inquiry from my credit report. I also sent Equifax a police report related to this on XX/XX/XXXX. Equifax is supposedly investigating this as confirmation # XXXX. I spoke with them yesterday XX/XX/XXXX and they dropped my call after 45 minutes on the phone with them without them giving me any status information on this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: EQUIFAX, INC.
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation