BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my first pay check for the amount of {$1400.00} from a new employer, Into my checking account at Bank of America. That was placed on hold for an over extended period of time, ( from XX/XX/20018 to XX/XX/2018 ), considering the relatively small amount and local bank branches involved, time with my bank, and funds being available for withdrawal from employers account. And being given false and/or incorrect information that the funds will be available by the following day. In violation of my consumer protection rights, and federal rules and regulations. Unfairly causing me undue hardship with past due utilities ( gas, electric, and water ), that may get shut off, and with my past due truck payment, that may get repo'ed for none payment as I had agreed to pay a past due amount on pay day. Furthermore, the lack of food in my home, and other necessities needed. 
Moreover, my requests for release of funds or to please expedite the process for the above reasons was refused, And negligently ignored and unfairly declined without further explanation except for, I was told, for their protection in-case the check did not clear. And that it will take until XXXX XXXX  Wed. the XX/XX/XXXX to do so.

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 2021-08-17
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX Discovery Card closed 1 of my account because of a verification process. I told the lady the first time I called that I haven't filed my taxes in the last 2years. So, 13 days went by and my account was closed. Then on XXXX XXXX I get another email about verification process for my other account with Discovery Financial Services saying if I don't respond by XXXX XXXX that this account will be closed. So, I call them on the XXXX of XXXX and I told them the same thing I told them previously and the lady said my account was closed. What is really going on? And I had this account since XXXX  when it was a secure card! Why didn't they ask me all this then.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Experian Information Solutions Inc.
State: TX
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:
Complaint against Experian. 
I received a letter from the above mentioned company dated forXXXX-18. Stating that the credit reporting agency refuses to re investigate a dispute filed on my behalf. I have previously requested for Experian to provide me with their method of verification for the accuracy of a claimed debt into my credit file. Experian replied to my request with a letter referring me to review my credit report. In which, my credit report does not indicate Experian " METHOD OF VERIFICATION ''. It states who the creditor is and their contact information. That is not a method of verification. There is no person contact name listed in which the debt was verified with and I was not provided with any documentation that was used to verify the disputed information. This has been an ongoing issue with Experian. I am asking for Experian to be investigated for not complying with the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). It is my right under such legal act to be provided with appropriate documentation by the credit reporting agency of verification. It has been over 15 days since my original request and as of today Experian has failed to provide documentation of verification.

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 2018-06-08
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello, My complaint involves my bank account. On XX/XX/XXXX it only had {$15.00}. On XX/XX/XXXX I checked my account and it had {$220.00}. I thought this was weird but I triple checked my with drawls and everything looked accurate as far as what should be remaining in my bank account. This morning I saw that I have a - {$110.00}. I am frustrated because after seeing I still had {$220.00} in my account on XX/XX/XXXX. I went out and spent money and now due to some mistake in the system I am in the negatives. I have an alert set up so that if I am ever under {$30.00} it alerts me, I never got the notice that I was under {$30.00} because my account showed that I had {$220.00}. So please explain to me why on earth my bank account even showed I had over {$200.00}. If a transaction is pending it still shows the amount being withdrawn. I'd like this issue to be resolved as soon as possible as far as what my account is telling me a balance that may or may not be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have been a loyal customer of Bank of America for a long period of time. Bank of America closed my business checking account on XX/XX/2020. The reason given was for a business decision. There was a large amount of funds in the account that is necessary to operate my business. Bank of America is illegally holding my money and stated that it will not be returned in a letter I received on XX/XX/2020. 

The funds that they are holding were dispersed to me from the Small Business Administration ( SBA ). I received a loan from the SBA that I must repay. By Bank of America not returning my funds to me, I can not run my business. I have no cash flow. If I can not run my business, I will not have money to repay my loan. I am extremely concerned why Bank of America closed my account, but I am more concerned that they are refusing to return my funds to me. This seems illegal and I request that these funds be returned to me immediately. I will gladly find another institution to bank with, but Bank of America has stolen my money and they need to return it.

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 2020-06-03
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: Account status incorrect

Complaint:
I APPLIED FOR A MORTGAGE AND THEY DENIED ME BECAUSE THEY SAID I MISSED A MORTGAGE PAYMENT WITH XXXX XXXX XXXX ... I HAD NOT. I CALLED XXXX AND THEY COULD NOT EXPLAIN WHY THEY THOUGHT I WAS LATE. I WILL ATTACHED MY RECORDS OF MY PAYMENTS WITH THIS COMPLAINT. I NO LONGER HAVE THE LOAN WITH XXXX  AS IT IS PAID OFF. THEY LISTED ME 30 DAYS LATE FOR XX/XX/2019. I WAS NOT PERHAPS THIS WAS WHEN THEY WERE TRANSFERING TO XXXX XXXX XXXX? WHICH THEY SHOULD NOT HAVE BEEN REPORTING NEGATIVE INFORMATION ANYWAY DURING THAT PERIOD

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 2021-04-09
Company: Freedom Mortgage Company
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX XXXX from Freedom Mortage called me approx. on XX/XX/2021, stating we were a good customer and they work to help their customers save money. He asked if I would be interested in refinancing our 15-year mortgage to a lower rate at no cost to us? We would save about {$75.00} a month and the term would be what was left on our current mortgage - 13.9 months. It was a no-brainer, and I said yes. 

After months of sending information multiple times to different people who called me randomly throughout the last 2 months, after numerous phone calls on hold to find out the status of our refinance we got a call last night XXXX that we had to pay {$580.00} to hold the interest rate on the loan for another 30 days! 

I received a call about 3 weeks ago from Freedom Mortgage stating that they were planning to close on XXXX and I had excess money in the account and it would be refunded when we closed. I have multiple emails where I've sent the same information to Freedom Mortgage many times to different people. I chalked it up that they were unorganized. It was frustrating and a big headache. 

I feel that misrepresented what they stated and only dragged this out so they could get money. This was wrong!

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 2021-04-09
Company: Byrider Franchising, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I had applied for an auto loan online on XX/XX/21. Upon furnishing all requested information, including photo identification, proof of residency and proof of income, I was advised I would be contacted " shortly '' by XXXX to discuss the financing. Upon not hearing from " XXXX '', I messaged XXXX ( Sales Rep. ) and received a voicemail message indicating my application was denied. That same day, I messaged XXXX to confirm I would receive an adverse action notice and was assured I would receive one. 

On XX/XX/21 I contacted XXXX XXXX, the person who sent me the the link to electronically sign the credit application ( XX/XX/21 ). I received a response from XXXX on XX/XX/21 indicating the notice had been printed and mailed. In addition, the message from XXXX asked me to confirm my address as the notice would be reprinted and mailed. It was the same as in the credit application. I had replied I would accept an electronic copy of the adverse action notice in lieu of the paper copy. I received no response to this message, nor did I receive the adverse action notice. 

On XX/XX/21 I sent another email message to XXXX indicating I still had not received the adverse action notice. There was no reply to this message. 

On XX/XX/21 I sent another email message to XXXX indicating I still had not received the adverse action notice and would be submitted a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: EQUIFAX, INC.
State: KS
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Experian Information Solutions Inc.
State: MA
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:
I received notice of a collection account reporting on my credit from XXXX XXXX XXXX XXXX for a debt they have reported twice on my credit report. This error is in violation of the FCRA reporting act and I have disputed the reporting with little to no help from XXXX or the credit bureaus. All validation they have sent me for the account only validates a collection on my report titled XXXX not XXXX or XXXX XXXX. The account reports 3 separate account numbers for the same debt. The one they have repeatedly validated with no contract bearing my signature is the account beginning in XXXX which reports as XXXX not as XXXX. The actual account reporting as XXXX  shows a different account number beginning in XXXX which they have not validated once despite numerous attempts. How can I have 2 open accounts with one company for one debt reporting as two accounts with two different account numbers this is in clear violation of the FCRA

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 2018-06-08
Company: ADVISORS MORTGAGE GROUP, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I called XXXX XXXX based on a recommendation re : a rental property mortgage. I met with XXXX upon request and gave him the documents he asked for and in addition my XXXX XXXX information to review as well. He stated that this is a small loan as he deals with most large loans. He told me he could save me at least {$5000.00} as XXXX adds many unnecessary fees. 
During most of the process I worked with XXXX XXXX.as time was of the essence. 
Prior to closing on XXXX XXXX I called XXXX re : Points charge {$1700.00}. We had previously spoken about NO POINTS, as the change in interest rate would be insignificant. He agreed. He said just close and if I need to send you a check to make it right I will. And proceeded to give me an example of a customer scenerio where he had given a check. 
After the closing I left XXXX a voicemail message. Yet no reply. On XX/XX/XXXX I sent XXXX a follow up email to XXXX. I contacted my attorney who I had made aware of the situation during the closing. XXXX XXXX sent XXXX an email XX/XX/XXXX. XXXX sent a text from XXXX saying he copied me on an email to XXXX. 
XXXX never once mentioned that the {$1700.00} would be put into points without any % age change in interest. How dare he state that it is a benefit to me as I can write it off! Who is he to decide that? XXXX is overly confident in his position, however misleading and deceptive to his advantage only. I had sent a follow up message to XXXX on XX/XX/XXXX but still no reply. Extremely poor customer service!!

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 2019-07-12
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I gained XXXX XXXX employment in XX/XX/XXXX. At that time my student loans were with Sallie Mae which eventually became Navient, the student loan service provider for both my government and private student loans. From XX/XX/XXXX-XX/XX/XXXX the foreign customer service representatives ( Navient Customer Service Reps ) gave the impression that I did not have to change anything and that my student loan will be forgiven in XX/XX/XXXX ( i began paying it back in XX/XX/XXXX ). XX/XX/XXXX was the year that I called the foreign customer service line and, again, i was led to believe and told not to worry that my student loan will be forgiven in XX/XX/XXXX. The Navient customer service rep. on the phone led me to believe me and my student loan qualified for forgiveness in XX/XX/XXXX. XX/XX/XXXX arrived and I found out I qualified for forgiveness, but my student loan did not. It made me contemplate XXXX. It was devastating. When I discovered that I qualified but my loans did not, I then began requesting to speak to US representatives. From XX/XX/XXXX-XX/XX/XXXX, I tried to get my student loans to qualify and still do not know the outcome. Basically, I had to start over from XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX through who knows how long. Today, in XX/XX/XXXX, I requested all call transcripts to Navient Customer Service via their website. My loans are finally coded to qualify or, so I think as direct loans but still unclear if the past 10 yrs. of public service will count toward my loan forgiveness. Thus far, those years don't seem to count toward public student loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
RE : Experian Credit reporting. I have been unsuccessfully trying to get a XX/XX/2010 Bankruptcy filling of of of their report. XXXX XXXX and XXXX have removed it. It can be removed in 7-10 years and it is the " only '' negative I have on any report. I have tried on XXXX XXXX and on XXXX XXXX. My credit would be excellent if it was removed and I should not have to wait 10 years. I have spent hours by phone with 5 different numbers. You go to a automated system and then recording comes on saying they can not help you.The ease of doing business with this company is horrendous. They will not answer the phone.When I finally did speak with some one in XXXX after over 1 hour of sitting on hold they said to bad I would have to wait the 10 years. They subsequently resubmitted the XXXX claim which produced the same unsatisfactory result. I would like the negative filling removed from my 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 explanation
Consumer complaint received 2018-06-08
Company: WELLS FARGO & COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I fell behind on my XXXX/Wells Fargo Credit Card. I called several times to see what my options were for repayment. I called in XXXX to set up a payment plan, in which I did. I spoke to XXXX and she set me up on a plan for {$100.00} a month until XX/XX/XXXX and then {$38.00} on XX/XX/XXXX. This would pay my bill in full and close my account out.

Recently, I received a notice that my credit report is showing this account as charged off. I have not received ONE piece of mail or ONE phone call to say that this was the case. I called XXXX/Wells Fargo Credit Card on XX/XX/XXXX, I spoke to XXXX, she said that they can at their own discretion at any time " six or seven months '' late and file it as a charge off. She also said the only reason they would remove the charge off status was if it was a bank error. Then, XXXX got on the phone and proceeded to tell me that she has me on a recorded phone call saying that I knew that this was a charge off. This never happened. She said she was going to transfer me to a Executive Office and hung up on me. I have paid all of this bill from the first payment as I said I would. This is ridiculous.

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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX Collecons : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Name : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX 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 2020-06-03
Company: Experian Information Solutions Inc.
State: NC
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: Problem getting your free annual credit report

Complaint:
Experian says my credit score is unavailable, however, they did let me see my report and dispute three potentially negative postings. I felt bullied into signing up for their monthly " credit monitoring '' service and now they will not cancel it despite numerous communications to do so. 
XXXX XXXX is even worse, they won't let me see my report and demand the same scam ; " sign up '' for our program or no dice. 
I haven't even bothered with XXXX  given their recent issues with being hacked and just expect the same treatment from them. 
If these behaviors by these companies is legal it is just barely so. 
It is ethically and morally offensive. 
Consumers are tired of being scammed!

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