BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Hello, my name is XXXX XXXX and I am contacting you because I just found out that your government agency may be able to help me in regards to a series of complaints that I have against Bank of America : 1 ) My original loan with Bank of America was created on XXXX XXXX, XXXX for {$210000.00}, at a 7.25 %. The loan for the mortgage was for only {$180000.00}, but the principal shows as {$210000.00}. There is is a difference of {$35000.00} between the loan and the principal, that includes varios, murky settlement charges such as {$2100.00} to XXXX Mortgage for an " origination fee. '' I need to know why I owe {$35000.00} more than I am supposed to. 
2 ) I have been paying a monthly PMI of {$140.00} since XXXX XXXX, XXXX until XXXX XXXX ; which amounts to {$12000.00} that I did not need to pay since I had my condo for 12 years prior this loan, and I was not a " risk '' borrower. I sent several letters, emails, made phone calls and I even complained to the XXXX in regards to removing this PMI, to no avail. Bank of America always came back to me with several excuses of why the PMI could not be dropped. 
3 ) I was able to get a modification and lowered the interest rate to {$5.00}, but the PMIs continued nevertheless, as well as my requests for the PMI to be dropped ; again, to no avail. 
4 ) My mother had a XXXX and became XXXX, which forced me to quit my full time and get a part time job, so that I can take care of her. I requested another modification and it was accepted, but Bank of America immediately removed itself as the bank servicing the debt, and put me in the hands of XXXX XXXX Loans. 
5 ) What I owe now ( the investors, I assume ) is {$190.00} ( this is what shows my latest statement ) which means that in 9 ( nine ) years of paying MY MORTGAGE, I have only paid {$19000.00} of the principal!! This is outrageous!! This is thievery!! 
This happened right when the mortgage collapse started, but is not my fault that the banking/finances systems is so fraudulent that it will allow such atrocities against poor people like me. PLEASE HELP 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 2016-08-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Other

Complaint:
Please be advised on XX/XX/2016 I sent Chase information Pursuant to 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I sent the correspondence in the attachment to Chase! Chase has not provided any documentation as outlined in 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ( E ) DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE- After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: NC
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2015-06-05
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am a co-signer for my son 's student loan account with Navient, aka XXXX. Navient incorrectly reported to the credit bureau that " my account '' was 60 days past due, with a reckless lack of communication to me that the account I co-signed for was even late. I dispute that Navient had any lawful right to ruin my good credit by reporting to the credit bureau that I was 60 days past due, in regards to my son 's student loan account. Navient should have some legal duty to actually contact me before they take such extreme action as ruining my credit. Navient negligently failed to make any reasonable effort to contact me to alert me to any late payments on this account! I only received XXXX vague email, just just six days before they reported " my account '' as 60 days late and it had no mention of a late pmt in the email. Navient claimed they " generated '' a notice but they did not. Navient said they fulfilled their duty to notify me by sending " automatic '' phone calls to a land line with no answering machine or phone, and they acknowledged that none of the phone calls were answered. ( Navient had all of my contact info in a separate parent plus account ) Naviant destroyed my good credit, as my score dropped from XXXX to XXXX the day they reported " my account '' as 60 days past due. I explained this to Navient but they have done nothing to satisfactorily explain why they relied on the inaccurate incomplete, unverifiable and non-existent notification to me, that the account I co-signed for was late -- prior to ruining my credit in reporting this account 60 days late without sufficiently communicating with me that it was late first.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Hello, I originally had XXXX private loans through XXXX which were transferred to Navient after the company split. I currently have XXXX remaining with Navient. The current student loan I have with Navient has been active for almost six years but I am still currently paying only the interest on this loan. To be clear, I have paid on this loan for close to six years and I am still not at the point where I am paying the original amount borrowed. They have not helped me when I called about this in the past, nor have they provided me with any sort of reasonable explanation as to why I am stuck with this terrible loan. In fact, I asked the women I spoke to over the phone if my race ( I am XXXX ) had anything to do with this seemingly suspicious loan and her response was " I do n't think so '' which I found for lack of a better word, insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have a credit card with Bank of America, which was closed in XXXX/XXXX/08 with settlement. But now it still shows are maximum delinquency of {$1200.00}. Please help to investigate and remove the delinquent amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My payments of {$780.00} are due on the first of every month with Bank of America. My husband I split the payments of {$400.00} each from his XXXX account and my XXXX account. BoA will post one of the payments of {$400.00} but rarely posts the other payment of {$400.00} and places those funds into a Partial Balance account. I have to fight with BoA either with phone calls to which I am on hold for over an hour or via social media for them to credit my payments correctly.

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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 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 2015-09-30
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received an EOB from my healthcare provider, I spoke to the debt collector Credence Resource Management who told me to pay the amount I owe as per the EOB and Email them the EOB. I did this, and am now still being chased for extra money I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
JH PORT or whoever this is are reporting a collection debt that is not mine. I was a victim of identity theft and sent them the appropriate documentation as instructed from the FTC & XXXX XXXX. 

Please assist. Thanks 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 2022-11-14
Company: AMERICAN EXPRESS COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I had an ex-boyfriend use my SSN to open a credit card under my name. He put me as an authorized user without my Consent. I did contact the credit card company, but this hit is still showing on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion is not allowing customers any information online, not allowing us to purchase a report and not mailing reports. It's a huge problem. Have been constantly told we can't even get our scores online or in a report. Why? This is a year long problem. Enough is enough.

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 2015-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I received notification from Bank of America that my mortgage was increasing over {$400.00} per month due to the program Countrywide placed me and my ex husband on 10 years ago. When I inquired on options they placed me with the loss department advised me to contact bk and or foreclosure attorney and suggested a short sale. I have never been late on my payments and they are saying I need to proof a hardship. They are also stating they will not proceed with my request until my ex husband quit claims the property over to me first even though we have a divorce decree and I was awarded my home in 2008. When I asked why they can not record the deed at closing they stated investor guidelines require the quit claim first.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
A charge was placed to my Bank of America account which overdrafted the account. I was not notified of the negative account status, nor the fee that was then applied. I have called in multiple times for this exact issue, each time being told it was now fixed and I would be notified. I have a history of texts showing Bank of America notified my when my account is negative, but this time Bank of America refused to do so and charged me {$35.00} for it. I have never opted-in to overdraft protection, if anything, I have repeatedly requested to not allow my account to be overdrafted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-14
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Notice to Experian CEASE & DESIST FROM REPORTING THE FOLLOWING TO MY CREDIT REPORT I have not given you permission to put this on my credit file, Remove within 5 day. 
or futher actions will be pursude I tried to open up a bank account and you have my social security blocked Cease & Desist from blocking my social so I can apply for a bank account. I never gave you permission to do this. 


Remove the following stament from my credit report within 5 days. XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2021-07-05
Company: EQUIFAX, INC.
State: CO
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 requested Equifax, in the past 4 months on 3 separate occasions, beginning XX/XX/2021, for an unverifiable collection ( no creditor name, no collection company name ) you simply can not verify this account, to be removed. It has been 4 months, it's still on my credit report. Ive attached a screen shoot of the collection, and all the letters Ive sent Equifax. Not to mention they keep re-aging the account. which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I had a Bank XXXX mortgage in good standing until XXXX XXXX when the bank failed to post a payment for that month ( XXXX XXXX, we later learned the check had not cleared our bank ) and subsequent payments made on time, were credited to the previous month, making the current month to show delinquent. Bank XXXX transferred our loan to Resurgent Mortgage in XXXX XXXX and Resurgent discovered the mistake and other posting errors that showed the account 60 days delinquent and reported to credit agencies, destroying my credit. The documentation was finally obtained from BA in XXXX XXXX and resurgent offered to do a Loan Modification in order to bring the account to 'current status ' providing we made two months payments for XXXX XXXX and XXXX XXXX, which I made. We completed the Loan Modification documents and submitted them to Resurgent in XXXX XXXX and was advised not to make any further payments until we received the Modified Loan documents. Subsequent communication with Resurgent was not possible by email, fax or phone and we never received the Loan Modification. On XXXX XXXX, XXXX I received a Certified Letter from Shell Point Mortgage Servicing notifying me my home was scheduled for foreclosure on XXXX XXXX, XXXX. My attorney and I made several attempts to resolve the delinquency of {$280000.00} but we informed they could not respond until they officially received the Loan Modification documents which we had send via email on XXXX XXXX and again on XXXX XXXX. On Friday XXXX XXXX we were told they had not received the documents and the five day provision for stopping the foreclosure has passed and the foreclosure could not be stopped. My attorney advises my only alternative is to file personal bankruptcy to stop the foreclosure, which I intend to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to inform you all that this is not my debt. I am a victim of fraud against my XXXX XXXX I have lived where I am now for more than a XXXX  and can provide proof however based upon this debt collector they told me I tried getting a application for an apartment in XXXX XXXX  for {$270.00} XXXXs I have never lived nor visited XXXXXXXX XXXX in my entire life. This company is causing, me XXXX  and nearly had a XXXX XXXX the way the representative spoke with me on the phone when I tried advising her I did not accumulate this debt. Unless there is a statement that show my name, address, email ( XXXX ) and signature " handwritten '' not electronically as anyone can sign a name via web this must be deleted or my next step is a higher authority. 

Company name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-11-14
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 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 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 2016-02-05
Company: JH Portfolio Debt Equities, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
XXXX uses deceptive and abusive business practices. Made Phone calls to my work. 
Waited 20 days to Tape a Notice of Commencement of Action Filing papers on my front door with all my information and details displayed for the public and all to see and read. A friend who came to visit read the posted notice and alerted me at work. I immediately left work early to come home and remove the notice from my door. As soon as I came home, my neighbor informed me that he had read the notice and was going to call me. It was embarrassing! I immediately took a picture of the posted notice

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 2022-11-14
Company: Checkr, Inc
State: MS
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: Public record information inaccurate

Complaint:
My record has been dismissed and expunged by a judge in Mississippi. This happened XXXX of 2020. 

Each time I apply for a job, I get a failed background check result under the category Other. There was XXXX charge however it lists multiple times under other statue numbers. It also reports a conviction. That isnt further from true. I wasnt convicted. 

Is keeping me from valuable employment opportunities and causing myself and my family intense stress and anxiety.

Company response to consumer: Closed with explanation