BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The Fair Housing Act makes it illegal to deny or discriminate against people based on race, XXXX, national origin, religion, XXXX, familial status or XXXX when it comes to issuing mortgages or mortgage modifications. Master Servicer Bank of America and sub-servicer XXXX XXXX XXXX have discriminated retaliated against us by placing our home in foreclosure while in a active workout and while we have been making trial modification payments since XXXX 2016. Master Servicer Bank of America padded my inhouse modification with over {$100000.00} of unauthorized fees, misappropriated payments, failed to post escrow correctly, never corrected errors made from forced placed insurance, put themselves as the lender on our modification and they were never the lender. Bank of America the Master Servicer and XXXX XXXX XXXX the sub-servicer have retaliated against my husband and I through a variety of unfair and fraudulent tactics through targeting our XXXX to take advantage of and manipulate in-house modifications. Both Bank of America Master Servicer and XXXX XXXX XXXX sub-servicer have committed the following violations against us by targeting us : a ) Targeting XXXX borrowers with in-house modifications then do the bait and switch with dual tracking. ( See Exhibit A ) b ) Targeting XXXX borrowers holding fraudulent deeds and notes with denial of Hamp modifications. ( See Exhibit B ) c ) Targeting XXXX borrowers with in-house modifications that placed Bank of America as the Lender when Bank of America was never the lender. ( See Exhibit C ) d ) Targeting XXXX borrowers with in-house modifications that fail to provide the identity of a true current secured lender creditor. ( See Exhibit D ) e ) Targeting XXXX borrowers with in-house modifications that charged excessive interest. ( See Exhibit E ) f ) Targeting XXXX borrowers with in-house modifications that threatened to foreclose on borrower unless signed. ( See Exhibit F ) g ) Targeting XXXX with in-house modifications that inflated unauthorized and undocumented fees. ( See Exhibit G ) h ) Targeting XXXX with in-house modifications that padded mortgage with increased fees. ( See Exhibit H ) i  ) Targeting XXXX borrowers with in-house modifications stating they willfully and voluntarily give up their rights to a trial by jury. ( See Exhibit I )

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 2017-11-01
Company: Experian Information Solutions 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:
I really need your help. There are some things reporting on my Experian report that is contradicting and I have asked several times for calcification and still the contradictions are there. I hope your company can help me with this. Experian reports an XXXX - XXXX only as XXXX XX/XX/XXXX but nothing prior to that. Another XXXX XXXX with a XXXX XX/XX/XXXX no previous payment history either.There is a XXXX account-XXXX.. shows charged off {$5600.00} but the past due balance is {$4100.00} how can one be higher than the other? There are 4 XXXX XXXX XXXX Three of the accounts XXXX, XXXX and XXXX are showing the same payment history exactly but one of the accounts states it 's due to continue reporting until XX/XX/XXXX and the other states XX/XX/XXXX and the other states XX/XX/XXXX if the payment history is exactly the same why would n't they state the same dates? The last 5th in question XXXX shows As of XX/XX/XXXX it was Foreclosed XX/XX/XXXX but no payment history before that. With so many different contradictions how can they have really researched them?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to dispute XXXX/XXXX XXXX. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2017-11-01
Company: SUNTRUST BANKS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My complaint is regarding my SunTrust credit card. They will not refund me the money from transactions with XXXX ( since XXXX issued a partial refund, SunTrust has washed their hands of the " investigation '' ). I have tried to resolve my dispute with XXXX, but XXXX is not responding to my complaint that I made with the Better Business Bureau. XXXX issued a partial refund. My credit card company, SunTrust, " investigated '' my disputed amount and will not remove the charges. 

I have XXXX recorded stating the price. Please listen to the call with XXXX which is recorded below ( Sorry that I had to send a link to a video of the conversation, I did not  have conversation recording software on my phone at that time ) : XXXX XXXX XXXX XXXX My SunTrust credit card should protect me from these dishonest practices, but they will not. SunTrust 's " investigator '' did not even contact me regarding this. I spoke to a supervisor at SunTrust who indicated that, SunTrust will not help me any further. That is one of the main reasons to use a credit card, protection during purchases.

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 2017-11-01
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CommonWealth Financial acc # XXXX is reporting on my credit report. I have not been to the Hospital or had any medical attention and this is not my account reporting on my report with these people. I am requesting full deletion of this account on all credit reports to not be added back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: PNC Bank N.A.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have a bank account with pnc and I wanted to deposit money into XXXX XXXX  and it won't let me even when I have the funds for the deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XX/XX/2019, the lien holder XXXX XXXX XXXX reported to the bureaus that my account was closed ( which it was not ) and added a remark that there was an involuntary repossession ( which it was not ). After speaking with them they advised that no one in the office reported that information ( lies ) So once I disputed it, the account was reopened and the remark was removed. That inaccurate information caused my credit score to decrease 128 pts. I have contacted them multiple times to ask when will my credit score be restored due to the inaccurate and incorrect information being reported ; I was told they didn't know how long it would take for my points to be restored and after requesting to speak with supervisors on multiple occasions I was then told that my score will be restored after 30 days of the closing of the dispute. The closing of the dispute was around XX/XX/2019 and has since been thirty days and no change.

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 2022-03-11
Company: Experian Information Solutions Inc.
State: TN
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:
XXXXXXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX or my wife, XXXX XXXX XXXX Sometime in XXXX XXXX an erroneous charge in the amount of {$220.00} ( originally {$340.00} ) from XXXX XXXX appeared on my credit report XXXX stating that my account was in collections ; however, Ive never had XXXX XXXX  I have had XXXX from around XXXX through XX/XX/XXXX, at which point we moved and switched to XXXX. Ive attached my XXXX payments XXXX through XXXX for your reference. 
On XX/XX/XXXX, I submitted an online dispute through Experian and on XX/XX/XXXX I submitted an online dispute through XXXX. Both companies claim they verified the XXXX XXXX collection and stated it is accurate. The week of XX/XX/XXXX, I called XXXX XXXX multiple times and they could not find me in their system anywhere yet refused to remove the collection from the credit bureaus. On XX/XX/XXXX, I called XXXX XXXXXXXX XXXX, the collection agency, provided on the credit report, they cant find me in their system either, yet also refused to remove from my credit report. 
The week of XX/XX/XXXX, I also called XXXX and Experian and spoke to both directly. They would not remove from my credit, nor would they give me another option other than filing an online dispute. As stated, that has already been done and they confirmed its accurate so its obviously pointless to do it again. Ive since learned that the verification process is a computer talking to another computer and it rarely results in accuracy, because both are fed the same inaccurate data! 
What do I need to do to get this off my credit report and my good credit re-established? When you look at my report, I have exceptional payment history, why would I not pay a {$220.00} Dish bill. I was even willing to pay it just to get it off my report, but I can't pay it because it nobody can find me. I am self-employed and this is preventing me from getting the funding I need to complete the project Im working on. My score was XXXX and it is now XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient has refused to lower my monthly payments based on my monthly income. During this time my account as fallen delinquent, account balance and increased, and my credit has been damaged. They have required me to pay over {$1200.00} each month on these 4 private student loans. This has hindered me from being able to pay on my federal student loans at all. I have been paying them what I can afford. I now have a XXXX XXXX and they have still increased my required payment amounts even more. Finally, on XX/XX/XXXX ( while on a recorded phone call ) Navient agreed to temporarily lower my monthly payments. After providing my income statement, monthly bills, and being harassed about why I had each bill. Supervisor XXXX XXXX ( employee # XXXX ) stated my payments could be temporarily lowered to {$510.00} per month until XX/XX/XXXX. Then these payments would go back up to {$1200.00} per month. I was also told that my account would be reported delinquent to credit bureaus until at least XX/XX/XXXX before the account would then be brought current. I later received a letter in the mail that listed the recurring automatic payment dates but no detailed terms and conditions. On XX/XX/XXXX I received a call from Navient stating the payment arrangement would be automatically be debited from my account at XXXX and to make sure that I had the funds available. On XX/XX/XXXX the funds were deducted from my account. I am now receiving more harassing phone calls from Navient. They are telling me that my payment agreement has been rejected and that I need to call them back. Navient has taken my money and now refusing to honor our agreement and bring my account current. Please see attached payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was sent an American Express giftcard for my wedding in XX/XX/XXXX. The card remained in my possession until I tried to use it in XX/XX/XXXX. There was no balance on the card. I researched the previous purchases and found that it had been used to make several purchases at XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. All businesses are located in California, XXXX XXXX County. I live in Texas and have never been to these locations. 

I contacted American Express who told me that they did not have enough information to refund the card based on fraud. I was told there was nothing to do and I had to contact the merchants myself. 

I have the card in possession, including the packaging the card came in.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection claim from ERC on XXXX XXXX regarding an alleged unpaid amount for XXXX XXXX XXXX. I contacted ERC and was told that it was regarding service from XXXX XXXX, 2015 -  XXXX XXXX, 2015 at a former address. They also confirmed my social security number. I did have XXXX XXXX XXXX service around that timeframe but it was cancelled and the equipment was returned, a forwarding address was provided to XXXX XXXX XXXX and no claim was ever filed in the two years since. I contacted XXXX XXXX XXXX to verify that there was no money outstanding on the account that evening and they confirmed this. 

ERC asked me to file a dispute, which I did. I have also placed a 90 fraud alert at the credit agencies, in the event that this is someone who has accessed my social security number and former address in order to open fraudulent accounts or make a collection of funds. 

The ERC representative tried to get me to pay a settlement on debt that is not mine and I am concerned that my information will be used inappropriately, as I have no idea how they received it in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Jonathan C. Frank & Associates, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have a company that is contacting me over and over again. They contacted me and obtained financial information from me. After this, I searched their phone number and found they are a scam company. They proceeded to contact a family member this morning and left a voicemail on their phone. They need to stop contacting me and my family members. The phone number is XXXX. They have a F rating with the BBB and they are not accredited. 

Jonathan C. Frank & Associates PLLC XXXX XXXX XXXX XXXX, TX XXXX They have numerous open complaints about their " law firm ''. 

BBB Rating : XXXX XXXX XXXXXXXX Complaints about them being a scam : XXXX XXXX XXXXXXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
By way of letter dated XX/XX/2019, Bank of America, XXXX XXXX. XXXX XXXX, XXXX, FL XXXX, advised me that effective XX/XX/2019, my home equity line of credit would be assigned to XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX, XXXX, CO XXXX. As of today, XX/XX/2019, I have received no correspondence from XXXX XXXX XXXX. 

Bank of America has advised me that XXXX will establish a new loan account number for my loan. As of today I have no knowledge of that loan account number. My payment is due on XX/XX/2019.

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 2017-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 would like ALL dispute comments removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, NATIONAL CREDIT SYSTEMS INC, showed up on my credit report with an original creditor of XXXX XXXX  in XXXX. I immediately called the apartment complex listed, and was told that the company, XXXX XXXX was no longer the owner, and that it had not been for over a year. I was then given a number to the PREVIOUS owner, and they stated they had no record of me in their system, nor a debt. I then called National Credit Systems. National Credit Systems could not locate the information based on my social OR birth-date. There was a file under the name XXXX XXXX but, it was not my social or birth-date. Within days, my phone number ( which was recorded during my call in ), was used to call repeatedly about the debt from an " attorney ''. This " attorney '' would basically try to verify my social .... verify he didn't have my social OR birth-date, but then threaten to see me in court and hang up. I called the previous owner of XXXX XXXX  and the current owner AGAIN and both verified they have NO ONE by my social or birth-date in collections with them. I finally got a hold of a manager at NATIONAL CREDIT SYSTEMS who verified that the file had was not my birth-date OR social ... but that it was MY responsibility to prove to them that I lived somewhere else during the time of this debt. They also refuse to DISCUSS the account with me because I can't verify the SOCIAL that they have. Somehow, throughout all of this, it is STILL being reported to my credit bureau, even with them not knowing my social. This is not me, not my information, just a common name. Also, they continuously call and threaten, and hang up .... I shouldn't have to send them MORE of my information when something as simple as the SOCIAL is not the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: General Motors Financial Company, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Company stated they did not get the XX/XX/XXXX payment Discontinued online payments that were made because of security problems they stated XX/XX/XXXX XXXX XXXX account XXXX check # XXXX XX/XX/XXXX Phone Payment to XXXX confirmation # XXXX {$400.00} XX/XX/XXXX Phone payment confirmation # XXXX XX/XX/XXXX XXXX XXXX  Confirmation # XXXX XX/XX/XXXX XXXX confirmation # XXXX XX/XX/XXXX XXXX confirmation # XXXX XX/XX/XXXX XXXX confirmation # XXXX Called and was told I owe over {$500.00} this month in addition to monthly statement amount. 
I am constantly being charge {$18.00} every month. 
XX/XX/XXXX bill {$860.00} with {$18.00} late fee XX/XX/XXXX bill {$890.00} with XXXX late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
My name is XXXX XXXX XXXX and It's been so agitating waiting for TransUnion 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries I am disputing. 
XXXX Date of inquiry XX/XX/2020 XXXX Date of Inquiry XX/XX/2020 XXXX Date of Inquiry XX/XX/2020

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