BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My complaint is against Bank of America, N.A. ( BOA ) and their unfair practices with denying me a remodification loan - while they are trying to slow-walk me into foreclosure. I have a Home Equity Line of Credit ( HELOC ) where I was paying on an interest-only loan. After 15 years, the terms of the agreement changed to where I had to pay the principle and interest at a higher rate. Note : The payments have almost tripled. I have been requesting a remodification since XXXX 2017, and with each formal request I have been denied three times with very vague excuses. Moreover, BOA has encouraged me to keep applying for a remodification loan, while the payments and late fees keep piling up. Although I have been paying something on the bill, I am unable to pay the full amount each month. So, according to BOA, there is a danger that my home will end up in foreclosure. One BOA  representative told me verbally that they think I can pay the high amount without a remodification ; while another rep said that I did not have sufficient income, or my expenses were too high. BOA appears to put me off without giving me clear directions on what to do. I have had a BOA rep call me and then hung up when I answered. I think this is so that they can say that they have tried to reach me and did not get a response. BOA tells me that they are willing to help, but then drag out the remodification process with back-and-forth issues of losing my documents until I am so far behind that the foreclosure proceedings may be imminent - according to them. Each time I have been denied a remodification, BOA has sent me the same Stock letter,  but with a different date. Also, BOA keeps losing all of my documents, and then claims that I never submitted them. BOA keeps recording me late every month which degrades my credit score. No other mortgage company wants to do business with me because of my HELOC account with BOA. I have attached copies of some of the documentation that I had on hand of the unsigned correspondence from Bank of America.

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 2019-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
one day I realized I had around {$1000.00} missing from my checking account when I went to withdraw from the atm and noticed my balance was significantly down, I then realized from a period of 2 weeks I had close to {$1700.00} stolen from my account. 

I contacted bank of America the following business day and I received a letter from them about a week later telling me that it was not fraud. 

I received a letter stating that my claim was denied for fraudulent charges made between XX/XX/XXXX and XX/XX/XXXX for the amount of {$1700.00}. 

Bank of America believed these charges were legitimate and did not follow typical fraud patterns, I was given a few reasons. 

-Waited too long to stop transactions on the card -Fraud cases typically involve draining the account ( which did not happen in this case ) -Logged in multiple times while these transactions were taking place ( without noticing anything unusual or made any attempt to stop these transactions ) -No repeated attempts after I closed the account ( no declined transactions after i found out ) Most the reasons above are pretty faulty and can each have their own reasons. As a customer for almost 3 years, I feel that the above are not acceptable reasons for denying my claim. This is an unfair denial of my claim, Bank america is claiming that I should have noticed unusual activity on my account from the beginning, but I believe its difficult to notice $ XXXX transactions on your account when you have XXXX , I immediately noticed the charges when I seen there was {$1000.00} missing. bank of America claims fraudsters typically wipe out accounts, but this can not possibly be all cases. I just don't get that. 

the reason I am mainly writing this complaint is because bank of America has not even gave me any explanation on what these charges were for. its been over a month since I called them and they have not told me what these charges were for. its kind of scary. 

they were all international charges, starting in small amounts, of {$100.00} and gradually increasing to {$300.00} then the last charges were for {$500.00}. I was also charged for international fees. which totaled to {$1700.00} Furthermore, I was not provided any detail regarding the nature of these transactions. Did boa make an attempt to contact the merchant? Did the merchant contact them back explaining what the purchases were? There was literally zero information on what goods or services were purchased.

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 2017-11-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
the company has guided me towards forbearance while doubling my rates, when the rathes got too high they put me on a rate reduction program which then made it nearly impossible for me to get in contact with helpful members or any team that speaks to me like they care at all they purposely gave me the run around every single time my online account summary never matches with the timely payments i make every month, they harass my cosigners, & make it hard to repay in a sensible way

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My student loans are being repaid based on income and my payments are {$0.00}. It has been this way for the last three months, however my credit score dropped close to 100 points stating that a payment was missed which is inaccurate. I contacted Fed loans and they sent me a link to file a complaint here to have it corrected. I am currently homeless in a shelter and in order to get housing they look at my credit score. I need this corrected as its not only me depending on my housing application being approved I have XXXX children under the age of XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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 XXXX of 2017 I disputed an inaccuracy on my XXXX credit report that was made by PORTFOLIO RECOVERY. I requested numerous times for them to provide validation of the debt they 're reporting on my credit report and they have failed to do so. They only respond that the reported information was valid but could never show me validation. This is tarnishing my credit worthiness and I need answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Allied Collection Services, Inc. (Nevada)
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In Between XXXX XXXX, 2017 and XXXX 2017 My identity was stolen. An unknown individual obtained services through XXXX WITHOUT my authorization in the Amount of : {$1900.00}. Allied Collection Services located in XXXX XXXX, NV is seeking to collect on this debt. But it is not mines. I have taken the necessary steps to dispute this fraudulent activity with all three credit Bureaus, Filed a police report and also Filed a extensive report with Federal Trade Commission. I have submitted a copy of my police report to the collection agency listed above and I have also submitted a written a certified statement to them as well. I am also seeking to find out if the named collection agency in even licensed in the state of Illinois.

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 2018-01-14
Company: Experian Information Solutions 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:
I opened a student loan in XXXX 2013 for about {$4500.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have NOT found any help. Not to mention how did {$4500.00} go to {$5100.00}?

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 2021-04-14
Company: Collection Consultants of California
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: Old information reappears or never goes away

Complaint:
There is an account listed on my XXXX  report from Collection Consultants. My main issue with this collection agency is that they keep changing the date of delinquency to fit within the 7 years so that this account can keep reporting. I have been disputing this for YEARS because it should have been covered under my insurance at the time. Since the agency would not even let me settle without adding charges, I decided to wait until the expiration date. The issue is, it never goes away. This is from a XXXX I had in XXXX and now it says from XXXX. Please delete this outdated information from my credit report. This company is taking part in illegal practices to continue to keep negative items reporting on credit files longer than legally allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX, 2017 I sent a request to the 3 credit bureaus to remove credit inquiries on my report as they were not authorized. I applied for a loan with XXXX and XXXX only in addition to XXXX. I have over XXXX credit inquiries as a result of XXXX sharing my information without my knowledge or permission to obtain credit on my behalf. 

The response I 'm getting is the same from the bureau 's that the record is accurate when it is not. I 've not authorized anyone other than XXXX and XXXX to pull my credit.

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 2018-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I opened a student loan in XXXX 2013 for about {$4500.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have NOT found any help. Not to mention how did {$4500.00} go to {$5100.00}?

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 2019-07-21
Company: AES/PHEAA
State: CT
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have recently applied and have been approved for a debt consolidation through my student loan lender, FedLoan Servicing as I was having difficulties making the minimum monthly payment of approximately {$500.00}, and had determined that the consolidation would reduce my total monthly payment. The initial call I had made to FedLoan Servicing for help with my monthly payments was on or around XX/XX/2019, at which time the gentleman I spoke with said my past due debt with FedLoan Servicing, which was only 30 days past due and totaled about {$700.00} at that time, would be put into an emergency forbearance while the application was being processed and no further payments would be required until the application review was complete. Please note that the balance owned was considered past due despite my good faith efforts to make payments in XXXX and XXXX for {$100.00} and {$400.00}, respectively, which was as much as I can afford, albeit not the {$500.00} they were looking for. However, I had to call FedLoan Servicing back 4 additional times between the initial call on XX/XX/XXXX through early XXXX as I continued to receive collection notices for the outstanding balance. Each time I spoke with a rep they apologized and stated that the outstanding amounts should have been placed into forbearance but for some reason ( that they couldn't ever explain ), that was effective XX/XX/2019. Each time they would 'correct ' the issue to retroact back to my initial call in XXXX, and within a week I would receive another notice looking for payment and go through the whole process again. The consolidation was finally approved on XX/XX/2019. However, all of the individual student loans which are included in the consolidation were erroneously adversely reported to the credit reporting agencies by FedLoan Servicing as 'adverse accounts '. Each of these loan payments have been included in my consolidation, which is current. I have included an overview of my account with FedLoan Servicing for you to review. I need to have the erroneous multiple adverse entries for FedLoan Servicing removed from my credit report as this information is not correct. How can these be considered adverse if they are showing as 'paid in full ' and part of the consolidation per my FedLoan Servicing account overview? This 'error ' has caused my credit score to drop dramatically and I need to have this corrected as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19
Company: NCC Business Services, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I sent Certified Mail and Return Receipt requesting physical verification of the original signed consumer contract under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Today as of XX/XX/2018 they have failed to positively verify my request.

NCC Business Services INC in the amount of {$7000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: JH Portfolio Debt Equities, LLC
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:
I never did business with JH Portfolio, they 're consistently reporting inaccurate information on my report stating that i owe them XXXX which i do n't recall borrowing from any credit card company. i disputed this issue by calling XXXX, i never got any response or documentation of proof that i own this complay but the derogatory marks remained on 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 2018-01-14
Company: Experian Information Solutions 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:
I opened a student loan in XXXX 2013 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$6900.00}????

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 2022-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Capital One Bank issued me a credit card in XX/XX/2006 when I was XXXX XXXX XXXX. Pursuant to 15 USC 1637 ( c ) ( 8 ), Capital One Bank violated federal law as opening the card account was prohibited. I did not have a co-signer nor did I have any income as I was a full-time student. The address on the statement attached indicates it was mailed to a dorm room at XXXX University. 

( 8 ) Applications from underage consumers ( A ) Prohibition on issuance No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of XXXX, unless the consumer has submitted a written application to the card issuer that meets the requirements of subparagraph ( B ). 

( B ) Application requirements An application to open a credit card account by a consumer who has not attained the age of XXXX as of the date of submission of the application shall require ( i ) the signature of a cosigner, including the parent, legal guardian, spouse, or any other individual who has attained the age of XXXX having a means to repay debts incurred by the consumer in connection with the account, indicating joint liability for debts incurred by the consumer in connection with the account before the consumer has attained the age of XXXX ; or ( ii ) submission by the consumer of financial information, including through an application, indicating an independent means of repaying any obligation arising from the proposed extension of credit in connection with the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was told at purchase that it was 18 months of zero interest, sign here at the store and bought my laptop at {$2300.00} and made monthly payments over the 18 months. 18 months later I owe $ {$990.00} deferred interests. I had the remaining balance of {$800.00}, so i though i should be charged interests on the remaining balance. 

I contacted customer service ... no help. This was an error by the sales team to not explain the details of the promotion. They never mentioned about " the deferred interests '' at the store and I got approved my Best Buy credit card at the store by the time I made purchase. So, the sales team mislead customers about financing promotion. I see that other best buy customers complained about this issue as well. 

I should have at least mentioned about " the deferred interests ''! 

Best buy account specialist keeps saying it's all in your documents, but the problem is i got my documents after i made my purchasing decision. 

If i had know about " the deferred interests '' at the store, i would have never financed with Best Buy.

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 2019-07-21
Company: REGIONS FINANCIAL CORPORATION
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 closed my region visa credit card XX/XX/2019 I wrote and called and spoke to loss mitigation Dept because I wanted to settle the credit card. Region keep reporting to the credit bureau I am late in lieu of me trying since XX/XX/2019 to pay off and settle this account. I have in writing from them stating they need my income tax returns in order to settle. They have also put my name In XXXX system trying to prevent me from using a checking account or write checks I found out thru another establishment that knows my checking account is in good standards. I want my name removed out of the XXXX system and I also would like to settle my credit card with regions to be done with them. They are not cooperating but are reporting 4 late payments on a closed account that I am trying to pay off and settle with them. They are sabotaging my credit file and putting incorrect information in the system to make it look like I am writing bad checks. My new bank advise me to report them because I am in good standing with my checking and credit account with them. Please please help in this matter

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 2018-09-01
Company: Riverwalk Financial Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt was made back in XX/XX/XXXX and it's not mines. It's XXXX XXXX and I'm currently in bankruptcy. I didn't make this debt and I'm trying to dispute it off two of my credit reports. It's like an identity theft of someone. I have no idea of XXXX XXXX The collection is XXXX

Company response to consumer: Closed with explanation