BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX just called. She told me someone in underwriting made the decision to cancel this file due to the buyers proof of funds not matching on page 1 and 2. ***Please see attached the total amount deposited in XXXX on page 1 ( {$860000.00} ) MATCHES EXACTLY the amount of page 2 showing TWO deposits on the same day ( {$460000.00} and {$430000.00} ) which total $ {$860000.00}. It is clear that there were TWO deposits on XX/XX/XXXX from TWO separate accounts that total the amount showing as deposited in XXXX. 

XXXX REFUSED TO TRANSFER ME TO A MANAGER. XXXX REFUSED to send this back for review and instead CLAIMED THE BUYER CAN NOT EVER PURCHASE THIS PROPERTY. 

XXXX LIED TO ME SHE IS IN FACT THE UNDERWRITE FOR THIS FILE. ( see attached screenshot showing XXXX XXXX as the underwriter. ) She likely lied to me when she said that it was someone else that made the decision to cancel the file. SHE is the underwriter and SHE most likely made the decision on her own to cancel this file. It is obvious that XXXX XXXX is a XXXX and follows the rest of Bank of America in its XXXX dealings with minorities. 

I question whether XXXX, or if it was indeed not XXXX who made the decision to cancel the file, is illiterate or whether Bank of America has gone the way of XXXX in hiring people from THIRD WORLD COUNTRIES to MAKE CREDIT DECISIONS FOR US CITIZENS???? 

WAS IT REJECTED BECAUSE BANK OF AMERICA, ONCE AGAIN, HAS DETERMIED THAT A MINORITY CLIENT IS UNWORTHY OF THE SAME TREATMENT OF A XXXX   BORROWER????? 


WE CANT BELIEVE BANK OF AMERICA IS SO STUPID THAT THE CAN NOT EVEN READ A BANK STATEMENT???? 

WAS THIS REJECTED BECAUSE IT WAS A BANK STATEMENT FROM THEIR COMPETITOR????? 

WAS THIS REJECTED BECAUSE THE PEOPLE MAKING CREDIT DECISIONS AT BANK OF AMERICA ARE XXXX???? 

WAS IT REJECTED BECAUSE BANK OF AMERICA, ONCE AGAIN, HAS DETERMIED THAT A MINORITY CLIENT IS UNWORTHY OF THE SAME TREATMENT OF A XXXX   BORROWER????? 

Oh and by the way, the signor for the buyers company is also a minority. DOES THAT MEAN BANK OF AMERICA IS TRYING TO BAN NON-XXXX PEOPLE FROM PURCHASING PROPERTIES??????? 

This complaint will also be copied to the Attorney General. 

Have XXXX XXXX, the person listed as the president, feel free to call us.

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 2021-07-01
Company: Northwood Asset Management Group
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called Northwood Asset Management Group ( NAMG ) on XX/XX/2021 and spoke to debt collectors who have violated the FCRA regulations. The 1st violation being that the reps would not allow me a chance to advise that this debt does not belong to me and that they kept accusing me of owing the debt. I asked for the debt to be validated and the rep advised there is nothing to validate and kept on insisting the debt is mine. That is illegal and against FCRA regulations. Debt collectors can not assume a debt belongs to someone and refuse to validate the debt. This debt does not belong to me. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EVERBANK, NATIONAL ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Opened TIAA checking in mid 2021. Made opening deposit on XX/XX/2021. Resolved an error in the application and corrected Social Security Number. Account was approved. 
Set up online access. 

Several days later, TIAA blocked online access. An email was received XX/XX/2021, from XXXX XXXX, " Senior Fraud Analyst, '' who asked me to call. I called and spoke to a different fraud analyst. He stated he could not see the problem and that XXXX would call me back. I never received a call from TIAA clarifying any problem. Rather, it simply blocked my account. 

1. I can not access my transactions and statements in violation of the Truth in Savings Act that requires periodic statements for bank accounts. 

2. TIAA obviously accessed databases in their decision to take an adverse action against me, violating the Fair Credit Reporting Act as they neither notified me of the adverse actions, reasons the actions were taken, or the identity of the consumer reports they obtained and how it is possible for me to obtain a report. 

3. TIAA improperly will not allow me to access my account or the funds I deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Approximately XX/XX/XXXX/XX/XX/2018 I requested from the federal student loan servicing to change my payments so that it reflects correctly on my credit report. Currently on my credit report it has me as having to make a payment of $ XXXX/month once I'm out of forbearance. Because I only make $ XXXX/year this has resulted in me getting denied a consolidation loan for my credit cards due to a high debt to income. I contacted federal student loan about this. They said I would have to enter the repayment status, then pay {$5.00}, then they would put me back in forbearance and then report to the credit bureaus that my payments would be $ XXXX/month. I did everything as said and it still says {$3000.00} on my credit report. They said it would reflect the {$400.00} by XX/XX/XXXX. Last week I had to call again because then I received an email saying I had to pay {$400.00} by XX/XX/XXXX. They fixed this one I called and told me that they would submit the request for the {$400.00} to be reflected on my credit report but now I have to wait until XX/XX/XXXX for it to show. But in the meantime I'd get a letter stating this {$400.00} that I can give to the bank to appeal the denial of the consolidation loan. I got the letter and where it has payment it says TBD. This is not going to help me at all!!! I've done everything I was supposed to do and still nothing. I don't have time to wait another month for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: Navient Solutions, LLC.
State: NY
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is attempting to collect on a debt and Negatively affecting my credit for a debt that they failed to validate by providing improper documentations from XXXX. 
I found a collection account on my credit report by XXXX XXXX XXXX ( CCS ). I disputed the debt with them and they mailed a summary final statement from XXXX. My initial dispute letter to CCS detailed that this was not a debt that I owe and I requested detailed validation to include the automobile ( s ) and policy period for which they provided coverage. CCS did not comply with my request. A simple letter from XXXX just stating the balance owed without identifying the Vehicle ( s ) covered and not including the coverage period is not sufficient to prove that this is legitimate. I sent a second letter to XXXX and they failed to respond to me. I also mailed a letter directly requesting this information and again XXXX failed to respond. It's been about 4 months now and CCS still has this on my credit report. 
I want this DELETED from my credit report, I want proper documentation to support this debt and the opportunity to investigate it and respond accordingly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank says my funds on my capital one 360 account is not available for withdrawal call this. Number for more info I call and they transfer me to security team thats only deals with Capital one notcapital one 360 even when I keep telling them on phone ur transferring me to regular capital one and they say no we dont even that number its only 360 so basically they locked my funds I go into bank and cant get my social security money In there because its locked and theres no security team phone number to unlock it and I want to just close my account at this point and get my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: EQUIFAX, INC.
State: IN
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:
I had a circumstance where I had an error of a 90 day late payment on my credit report when that was not the case because I was covered on a natural disaster forbearance from the dates of XX/XX/XXXX to XX/XX/XXXX but I am reported as being 90 days late in the month of XX/XX/XXXX on my Equifax Report. I have tried to contact the company several times over the phone to no avail. This error has been corrected by XXXX  and XXXX but only Equifax is still showing the incorrect information on my credit report and still as of today XX/XX/XXXX have yet to fix the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to send money to another person

Complaint:
Today is XX/XX/XXXX. I have a bill due for housing, I thought it would be an easy transfer of funds. I called Keybank at XXXX and asked for the ABA number and my account number to make the transfer. After a 20 minute hold the man who answered said it I wasn't entitled to transfer money unless I signed up for bill pay and gave me the number for a separate bill pay department within Keybank.From XXXX to XXXX I was transferred twice within the bill pay department and told to call the bank I wanted to transfer the money to and see if they could help. Without the ABA number they could not. That call took 5 min ( XXXX XXXX ). At XXXX after trying to sign up online for bill pay and receiving a message to try customer service I tried that number. 
XXXX transferred twice within the department and then given the number I initially called which was on the back of the card, XXXX I was on hold and then told there is a separate department that handles unemployment benefits and that was the key2 benefits department again a number I had tried many times. This time the person offered to walk me through the online system with the same results. The automated system would not let me set up an account. 
He suggested I call the number on the back of my card again but this time chose the option for a lost card as that would get me faster service. I did that, again the agent walked me through the service this time telling me I could not use my name as the user name, nor could I use social security number, birthday -none of this is on the website. It just comes back as a red screen, it does not tell you how to correct the problem. When I told the agent that, I had been using my name, she said ( of course ) this happens all the time. Even with her instructions I was not able to create an account, this time a new message came up INVALID and to call another number. She could not transfer me so I called now an Online Banking department who suggested a take a cash advance, but I can not send cash to my landlord. He redirected me to customer service, the agent there again walked through the key2benefits website and after it did not work she said she would put in a ticket, which would take 48 hours to process and I could try again then. I asked for a ticket number or something I could reference if it did not work after 48 hours. She could not give me a reference number. I asked if I had to call back in 2 days, would the representative have any notes from the last 4 hours I have spent on the phone and she said no they would not. I tried to call a local branch, as did the XXXX XXXX banker but bc of cover they are not answering the phones, it says you can set up an appointment online. When I went online to set up an appointment there were no available times for through XXXX. It is now XXXX, and I have tried for 5 hours to transfer my unemployment funds to secure housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Blackwater Capital Group LLC.
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This debt collection agency contacted my job. When asked why they contacted this number the rep stated because they had it on file, I spoke to this company once before and informed them only contact me on my cell phone. When i asked the rep what this call was regarding the rep did not provide information outside of " we are contacting you about a personal matter '' I asked the rep multiple times what this call is regarding because he finally told me where he is calling from and the reason he was calling. When I informed the rep that this is my work line and I can not have personal phone calls on my work phone the rep asked for a good time to call back, i took down the reps name and phone number to call back when i am available. the rep continued to asked for a specific time and day to call back. I told the rep due to my work schedule I can not provide the exact time and date. the rep then stated that he will just call me back at this number. ( after i stated i can face termination for having personal calls on the clock ) The rep hung up before clarifying a good contact number. I am very upset with the lack of professionalism. I also find it very tasteless for a company to be reaching out to collect debts when there is an entire pandemic going on that is putting people out of a job. and to show now regard by risking my job by contacting me regarding personal matters at work. 

the company is blackwater capital the rep is XXXX phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Students First Limited Liability Co.
State: FL
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 received a call from a person who said they are calling to help me with the loan forgiveness program by the government, and they would consolidate all the federal loans I have and will be forgiven. And that it takes some time to submit paperwork to do that and I need to pay {$200.00} per month for 4 months and then I will have zero payment after that. 

I assumed the person who is calling is from the federal government, he asked for the email I used for my FAFSA account and told me to give him the code I received from the email I received. I did receive a " change your password " email from U.S department of education. I gave him the code and he said they are going to consolidate my loan since I qualify for that program and he sent another email which went to my junk folder which was " borrower eligibility confirmation '' and it had all my loan info and also my SSN number. 

Then I asked him why I have to pay to consolidate my loan and are they some loan collection agency or the govt itself. He did not answer and started saying things like your monthly payment will be high and how am I going to pay for that..etc. 

I realized this was not from the govt and I disconnected the call. I then changed my FAFSA password.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Ability Recovery Services, LLC
State: CT
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:
Abilityjy recovery XXXX. XXXX  XXXX premier credit card wish was payed off because there card was so high intrest I closed it payef and closed it I claimed about them XXXX  I never used but one for XXXX dollars closed that then they tell years later someone used the card its been closed it still on my credit ability I don't even know what its for I don't have anything g with them then I have inquiry s on me credit and loan I have never done now my daughter is XXXX XXXX but o e the address is hers try to repair this and they also have me with XXXX I have been divorced for XXXX yrs we have nothing together

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 2020-08-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$520000.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- REAL ESTATE LOAN 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520000.00} -This is not my account. 

-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$3900.00} -This is not my 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 explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: MS
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:
My name is XXXX XXXX, and I'm a natural woman submitting this complaint on her own behalf without the assistance of any third party. The companies identified in this FTC report # XXXX improperly obtained my personal identifying information through aggravated identity theft and are using it to improperly report negative information on my consumer report without my written consent or authority. XXXX XXXX, XXXX, Equifax, and XXXX are reporting inaccurate, false, and fraudulent accounts, hard inquiries, collection information, incorrect names, addresses, phone numbers, and employment information that don't belong to me and were made without my permission, written consent, or legal authority, as well as information that wasn't collected from me. 
See attached as it includes my statement, copy of my ID, the identifying information of the fraudulent inquiries, and copy of my bill to help verify my identity and proof of mailing address. Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX 3 ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not information relating to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Southern Auto Finance Co
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Pandemic declaration. SAFCOis attempting to collect on a debt and keeps reporting on my credit that this account is delinquent every thirty to ninety days PLEASE INVESTIGATE FURTHER!

Company response to consumer: Closed with explanation