BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient is attempting to resume payments effective XX/XX/22 despite the government moratorium having been extended to XX/XX/22. 

I have attempted to get them to explain why or how they or I am exempt from that but they have not ever addressed that question, only telling me the same thing that they are no longer offering relief due to the Covid pandemic. No loan servicer ever offered relief, it was granted by my government and still is until XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am involved with the Bank Of America opening accounts issue. I was never a client of bank of america ever but i did get a bank card and a checking account information. ALthough i have tried numerous times to speak to a rep about this issue i continue to get disconnected and never get a person. I am continuing to get bank statements with this service fee that is adding up. What do I do to get my settlement.

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 2020-03-28
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear Sir or Ma'am, COVID-19 Impact have extended benefits particular to several financial institutions specifically for mortgages. In my family 's case, our mortgagee, TIAA is offering an 120-Day Forbearance period of the monthly payments however, the four-month skip payment arrangement is very concerning especially when the borrower is required to pay the entire four-month balance at the end of the forbearance period. My family would be required to pay nearly $ 9k of which is very unrealistic, in our time of this financial and pandemic crisis. Simply put, this is NOT  a feasible task for the majority of homeowners, like my family. 

We are using these monthly payments to support home expenses such as electrical, heat, water, food, and other necessary needs due to our family 's income shortage. We need to live through this pandemic Carefully speaking for millions of American homeowners, the mortgage companies should seriously consider moving the payments to the end of the loan, so homeowners such as my family can rest easy knowing that a monthly payment isn't required at the end of the Forbearance period, otherwise, there will be several foreclosures and a repeat of the mortgage crisis of 2008. 

Therefore, I respectfully and cordially request that TIAA reconsider their Forbearance policy and allow their borrowers the monthly payments to be moved to the end of the loan. This isn't a time for negotiations. This is as American 's supporting one another in the fight for our future and livelihood. We need help, and TIAA should be a part of the solution, not problem. 

Respectfully, The XXXX Family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This " debt '' has already been resolved with the previous debt collector ( have letter confirming this ). 

Copying the verbiage from the previous challenge to this debt : " Validated with the lab that my insurance will cover the blood work. No Co pay or deductible was requested. The lab billed my insurance company, and my insurance company paid out the claim. The lab company then proceed to bill an additional {$750.00} for just simple blood work. This is outrageous. My credit history is clean, I pay everything on time - always, but I will not be paying for highway robbery. Please remove this from my credit report ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an e-mail from Bank of America on XX/XX/2023 on my personal e-mail associated with a credit card account that I have with them that my debit card for a checking account was on the way. I did not open a checking account with them. I called them on XX/XX/XXXX and told them I did not open an account. They told me it was the result of fraud and someone had called in with my social security number to set up the account and that I needed to be on alert and contact all my other banks which I did. They also closed the account. I left it at that until I came across and article by XXXX on XX/XX/XXXX stating that BOA has been fined and is paying out hundreds of millions of dollars by yht CPFB due to fraud committed by the bank for opening unauthorized accounts to make their sales numbers look better. It all clicked. The account that was opened was a checking account with a {$0.00} balance. My email address wasn't changed. My password wasn't changed. My phone number wasn't changed. My address wasn't changed. I received the debit card for the unauthorized account in the mail. There were no funds to access nor was there any way for anyone besides me to access them. Either this was the result of the dumbest criminal in the world or the bank opened the account without my authorization and lied to me about it to cover their tracks. I spent DAYS contacting banks, changing user names and passwords, setting up new email addresses, etc., all because some banker wanted to show an extra account opened. Clearly the activities they're being penalized for have not stopped.

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 2023-09-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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 Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2

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 2020-03-28
Company: Knight & Hooper, PLLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received a letter from Knight & Hooper PLLC stating that they they are hired to represent XXXX XXXX XXXX XXXX ( which is no longer in business in since XXXX ). A motion to extend judgement from judgement dated XX/XX/XXXX. I have never had any business with XXXX XXXX XXXX XXXX. The case is to be heard in General Sessions court on XX/XX/XXXX at XXXX XXXX   Docket number XXXX. My concerns are one that the debt ( if valid ) is older than 6 years old and according to the state of Tennessee is past the statute of limitations. Additionally XXXX XXXX XXXX XXXX is no longer in business. Lastly there are many complaints filed against this law firm for attempting to collect fraudulent debt. Knight & Hooper , PLLC XXXX XXXX XXXX XXXX Tn XXXX. I believe that this is fraud and attempt to get a individual to make payment to them while trying to use scare tactics and legal looking correspondence. Please investigate and contact me as soon as possible. I believe that this is a fraudulent attempt by a Lawyer firm that has had several complaints for this type of activity in the past to collect money from unaware consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 dispute this account and never get and answer, this account is not my is fraudulently 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 non-monetary relief
Consumer complaint received 2022-03-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since 2018 Carrington Mortgage took over my mortgage from XXXX XXXX. I have been making my mortgage payments online thru Carringtons website instead of mailing checks. I have now found they have been adding on a XXXX dollar processing fee to every payment I made online thru their website. This is a deceptive business practice by them and also a violation of the fair debt collection practices act. They are only allowed to charge the actual cost to process the payment which is about XXXX cents not XXXX dollars. I have been getting charged this XXXX dollar fee for somewhere around 3 or 4 years now and believe they should refund the differnce between the fee charged and the actual cost to process the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In 2019, I initiated a cash-out refinance on my home with XXXX XXXX XXXX Due to an administrative error, XXXX XXXX inadvertently included a relatively low-interest XXXX credit card on the list of cards to be paid off and closed within the loan documents, so rather than scrap and restart the process, I agreed to close the XXXX account and have it paid off. After the refinance process was complete, I assumed that all accounts were successfully paid off and closed, until I received a call from a collection agency the following year regarding a debt owed to XXXX for {$220.00}. I contacted XXXX and explained the situation, and they agreed to disregard the additional interest charges and penalties and accept a payment of {$75.00} to settle the debt, based upon the original unpaid interest charge of {$73.00} on a final payout of {$6700.00}, which was apparently due to the fact that XXXX  received the payoff check from XXXX XXXX XXXX DAY after the final statement due date. Again, I thought that the matter and account were closed, but the following year, after being denied several applications for credit, I learned that the top of my TransUnion credit report highlighted my former XXXX account as an Account with Adverse Information with multiple delinquencies of 120 days following the account closure, despite all other payments on my entire credit report being on time. Upon contacting XXXX to request the removal of the Adverse Information from my credit report, I was told that when I created a XXXX XXXX  account to print off a final statement for XXXX XXXX, I allegedly agreed to only receive electronic communications from XXXX  on my soon to be closed credit card. XXXX could not produce any evidence of electronic notifications sent to me regarding the account or additional charges, but from my email records I discovered that the only email that XXXX had sent to me was a notice that my online account ( on my closed credit card ) had been suspended because I signed in from an unknown device. XXXX continues to deny that the Adverse Information on my credit report is inaccurate and misleading and refuses to have it removed, so it will remain there and ruin my credit report for XXXX more years. While TransUnion allows a consumer statement to be included on the credit report, it not only appears below the Adverse XXXX information, but its buried at the very bottom of the 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 2019-10-18
Company: EQUIFAX, INC.
State: PA
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:
Every 30 days starting in XX/XX/2019, I have been sending official signed notarized letters with a copy of my drivers license and social security card and to this date I have sent 4 separate letters to XXXX, Equifax and XXXX. These letters have been to provide me with the original creditors documentation on file to verify that this information on my credit report is mine and is correct. My complaint is related to Account Name - DEPT OF ED / XXXX, Amount - over $ XXXX. The credit bureaus and the company XXXX which I sent out 5 letters to was to verify this account and provide me the original signed contract for this debt. Neither the bureaus or the company has provided that information and their responses was simply stating it was verified with out documentation. I want this account deleted from my credit report as this debit is unverified therefore I am not responsible for these payment XXXX is saying I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am filing a complaint with Bank of America for allowing garnishment of my Missouri based checking account without my knowledge or consent to process payments to the California Tax Franchise Board that it submitted in error to Bank of America. In addition I am filing a complaint about fees charged to me of {$250.00} from Bank of America on 2 separate dates. 
XX/XX/XXXX Bank of America a garnishment of {$80.00} to be paid to an out of state debtor without my knowledge or consent. They also withdrew a payment of {$120.00} paid noted on my account as " XXXX XXXX XXXX  '' and a {$10.00} overdraft fee. In violation of Missouri Statute 525.030 Bank of America allowed more than {$210.00} of the total amount of my payroll deposit of {$360.00} ( garnishment from out of state entity ) to be withdrawn without my consent or knowledge. On XX/XX/XXXX Bank of America allowed a withdrawal of {$160.00} to legal LTS and a withdrawal of {$120.00} noted as " legal lts fees ''. Again in violation of Missouri Statute 525.030 a total of {$280.00} of the {$230.00} of my payroll deposit was withdrawn. 
On XX/XX/XXXX I was notified by the California State Franchise Tax board that the garnishment request submitted to Bank of America was done in error and that they erronously had been collecting fees for a debt that was in fact paid and no longer owed. XX/XX/XXXX The State of California submitted a notice to Bank of America regarding the error and requested that the monies withheld be returned back to me. On XX/XX/XXXX and XXXX Bank of America refused my request to return to me the money withheld and the fees charged to me. After 3 requests and receiving the information from the State of California they did agree to refund one of the {$120.00} fees but still refuse to refund any other funds they withheld. All of the funds withheld were withheld illegally, in violation of State and Federal law and withheld based on a error of the state of California. Bank of America violated my consumer rights and continues to refuse to release back to me the money they illegally withheld from my checking account.

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 2019-10-18
Company: Experian Information Solutions 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED DELINQUENT ACCOUNTS THAT ARE REPORTING INACCURATELY ON MY FILE. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2023-03-10
Company: Experian Information Solutions Inc.
State: OR
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 have contacted Experian and a credit repair company too they have my address wrong. They have 2 addresses combined that XXXX wrote incorrectly and they did not fix it after I told them. Its not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Neither is my address anymore and I have submitted multiple requests to fix it. I am an identity theft victim as well

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 2023-10-06
Company: Resurgent Capital Services L.P.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Experian Information Solutions Inc.
State: MN
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 verify that I never made late payments to any student loan accounts with XXXX. And to verify that said loans belonged to me bearing my signature. All else is fraud and identity theft. 

Under ( FCRA ), 15 USC section 1681i, companies has to correct/update and remove accounts.

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 2019-10-18
Company: Associated Credit Services, Inc.
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:
According to the FDCP Act, section 809, the Collection agency should notify the consumer about the debt for validation. I never receive any notice about any debt and the action the Collection would take.

So I still request to remove the Collection account from XXXX and XXXX   because I was never communicated about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-03
Company: Resurgent Capital Services L.P.
State: CA
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:
Dates : Every 30 days, every month Amounts : $ XXXX- {$1200.00} Collections agencies are reporting accounts as " late payments '' on a monthly basis in violation of FRCA 611 ( a ). 
I have attempted to file disputes with the bureaus but the response is that the accounts are in compliance with FCRA and i'm not sure what that means.

Company response to consumer: Closed with explanation