BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-10
Company: Navient Solutions, LLC.
State: IL
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:
On several occasions I've contacted Navient in order to discuss my account. Each time there seems to be a disconnect or some sort of deception. One instance I 's speak with someone and we will come to an agreement on the solutions to repayment then the next time I speak with someone they act as if they have no idea what I am talking about then it becomes a back and forth debate. I am certain there are notes for representatives to refer to because I used to work in a call center so I am familiar with the practices. On yesterday, XX/XX/2022, I called and spoke with someone and he proceed to quote me false/misleading information and when I told him the information was incorrect that is when he all of a sudden sees what I am talking about. Then when I asked to speak to a supervisor he put me on hold for an extensive amount of time and returned to the call himself. I then complained to him that I asked to speak with a supervisor, she then pops on the call suddenly as if she was listening to our conversation. I asked her had she been listening she then began to get defensive and irate. Then suddenly our call was disconnected with no return call. Very unprofessional. This is not the first time this has happened either. On XX/XX/2022 I received a call from a rep at Navient, he proceed to read off past due balance and account information and when I told him that was incorrect we somehow got disconnected again with no call back. Is this the new practice? I am also writing this complaint because the company does not offer any reasonable repayment options especially since we are in a time that we are recovering from all sorts of financial hardships. Any lower payment options allowed are interest only ( not going towards principle ) and temporary and only approved if put your bank account information for them to auto deduct. Insane!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: EQUIFAX, 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:
This is response to a earlier complaint against Equifax - CFPB  Case No .  XXXX .  <P/> Once again, Equifax have violated the FCRA! Wondering if CFPB are even paying attention to this matter, instead chose to close the said case without fully reviewing entirety. I wo n't be surprised EQUIFAX does not take CFPB seriously!  <P/> Once again, I am disputing - On or before   XX/XX/XXXX   ; AND on or before   XX/XX/XXXX   ; AND on or before  XX/XX/XXXX   ; AND on or before   XX/XX/XXXX   ; AND AGAIN on or before   XX/XX/XXXX  , I have repeatedly disputed - via Certified Letters - to both the creditors as well as to EQUIFAX without any satisfaction. EQUIFAX will always claim they will review / investigate this matter and yet to ever report their findings!  <P/> EQUIFAX continues to report incorrect statuses. No response other than a computer generated response from EQUIFAX stating they will review / investigate. Because of the EQUIFAX not responding indicates a clear violations of the FCRA. See below typical response from EQUIFAX : COMPANY 'S INTERIM RESPONSE " Equifax reviewed the complaint, its records and initiated a reinvestigation. Equifax did not receive any additional communications from the consumer during the review of the complaint. Equifax will mail the results of the reinvestigation within 30 days. '' COMPANY 'S RESPONSE " Equifax has reviewed the complaint and its records. The items will be addressed through our normal dispute process and the results of the reinvestigation will be sent to you within 30 days. Please note that for future disputes of credit report information, visit www.equifax.com. '' Please be advise that I have sent over  twenty  certified letters (  11  to be exact ) since  XXXX  to both Creditors and as well as to EQUIFAX disputing and requesting debt validations. These alleged debts have been on my credit report since  XXXX , though I paid these debts in full in  XXXX   XXXX !.  <P/> I have requested Debt Validation from EQUIFAX : a )  XXXX  / Preferred Customer Acct No.  XXXX  b  XXXX   XXXX  /  XXXX   XXXX  Acct  XXXX .  XXXX   XXXX  )   XXXX   XXXX   XXXX   Acct No.  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX XXXX XXXX 2017 ( XX/XX/2017 ) I received a call from a Bank of America representative to be precise fraud department telling that, there is fraud going on regarding phone numbers associated with customers account, I said okay then she said for verification propose she was going to send me a text to my phone for clarification and identification which she did and I verified. Not quite two hour I log into my account and I saw the sum of XXXX XXXX XXXX XXXX dollars being debited from the account been pending I called Bank of America right away, I was transferred from one department to the other until finally someone told me that the department responsible for such matters is closed, that I should call the next he gave me number to call.

When I did call the next day I was instructed to go to the bank office and open a new account and the current account in question will be temporary suspended pending investigation, what ever I have balance will be transferred to the new account that it might take ten business day for the investigation. After ten days I called and I was told that they sent me an email which actually I saw but was n't sure if that was from XXXX XXXX XXXX because it was not easy to access. Eventually I was directed on how to open it but before that the representative told me that my case was denied. I have been trying to reach Bank of America that I have nothing to do with such transaction they have been very adamant about not returning my money, hence I decided to reach everyone that can help in collecting my money for this have cause a great hardship to my family through the Holidays. Thanks XXXX : I am unable to attach the police 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 monetary relief
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have two fraudulent accounts showing on my consumer profiles that I have no knowledge of nor signed my signature for.

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 2017-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act.
Called TransUnion and representative hung phone up on me.

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 2017-07-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Tried to reach out to company with Better Business on XXXX/XXXX/17 ; two attempts were made with no response. Advised the company of the following : This company which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$7500.00} with XXXX, XXXX, & XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof.
Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am no obligated to pay for the alleged debt.
Per statement it has been determined you can not verify this account and are in violation of the Fair Credit Reporting Act 611 ( a ) { 15 USC 1681i ( a ).

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 2017-07-14
Company: Tulsa Adjustment Bureau
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have repeatedly contacted company and have gotten 4 different excuses on why collections from Tulsa adjustment bureau and also faxed numerous paperwork proving bill was discharged in bankruptcy. ive disputed this bill with credit bureau numerous times yet Tulsa adjustment bureau has responded all info is correct. Tulsa adjustment bureau has reported this debt to XXXX as recently as XXXX XXXX 2017. clearly this was after all my previously efforts to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I payed my Credit Card Balance. It did not post until 1 day after the due date. I did not realize this. The company proceeded to charge me late fees, that I was not aware of. This happened again the next month due to balance from original late fees, again not aware. Company refuses to re-credit late charges.

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 2021-09-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We want to come out of forbearance with SPS Mortgage Servicing. We requested a trial modification at a reduced mortgage monthly payment. SPS offered a trial modification of XXXX monthly payment beginning on XXXX ending XX/XX/21. We requested detailed information from SPS concerning the mortgage modification to better understand what is the right choice to keep us in our home of 35 years. We have no other home but XXXX XXXX XXXX XXXX , Ca XXXX XXXX. SPS refused to provide us with a workout solution for a mortgage modification. We contacted SPS notifying them we must have detailed loan modification documents if we are to proceed as fully informed mortgagees, SPS refused to provide this information and told us to complete the trial modification from XX/XX/21 to XX/XX/21. We made every payment on time for the full amount they established as our new loan payment. Yesterday XX/XX/21 a document from SPS discharging our mortgage loan and the new mortgage is not a mortgage but a Lien and enclosed are the details of the Lien on our property and outlined repayment plans. ( Documents enclosed ) The lien repayment plans continue payments at the same as the trial mortgage modification cutting the interest rate from 4.5 % to 2.55 %. After a year the interest rate steps up and the monthly payment increases respectively increase. The first year is 2.554 % for a year, Months 13 to 24 increase to 3.054 %, 25 to 36 months 3.554 %, 37 to 400 month 4.023 % These are not in good faith a modification. SPS also requires a balloon payment of XXXX at the end of the loan. This is a fraudulent action of bait and switch where SPS gives us no relief, manipulates the numbers, and makes even more money. I am XXXX and this is taking a toll on my mental health and physical health, This is not a negotiation this is manipulating the historically predatory nature of companies taking away the ability to stay in our home and create wealth. This is unacceptable, unfair, and does not help us at all. XXXX XXXX XXXX and XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
My credit report indicates that a credit card account was opened with Bank of America on XX/XX/XXXX. It was an individual account. Date of the last payment to this account was XX/XX/XXXX. It was closed on XX/XX/XXXX. The credit limit was {$1000.00} and the high credit was {$1000.00}. 
I called Bank of America on XX/XX/XXXX at XXXX XXXX XXXX. I gave them the full account number and informed them that the card was in my credit report, negatively affecting it and I did not open it. They said that the account was not in my name but they could not disclose whose name it was under. 
I disputed the account with XXXX, XXXX and XXXX. XXXX  today told me that they contacted the lender who told them that the information was accurate. 
This is quite frustrating. How can the information be accurate if Bank of America says that the account was not in my name. It is still affecting my credit and I would like to know who fraudulently opened an account in my name so that it can be resolved. 
Thank you very much for your assistance.

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 2022-02-10
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had a dispute open on my checking account. The bank issued final credits in regards to this issue but now has locked my account from any activity. Customer service told me that my account has a " no check status '' which blocks me from any and all activity. I am hearing impaired so I can not just call customer care so easily. Furthermore, I am at my second home in XXXX and not at my XXXX home so I can not just walk into a TD branch. I sent a secure email via online banking but nobody will assist me in unblocking my account. How can a bank issue dispute final credits then block the account?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I got a call on XX/XX/22 from a wells Fargo teller indicating that there was fraud on my account and that there was a withdrawal of {$500.00} dollars coming out. And that I needed to close my card so that they could issue me a new one. They initially had all my information and just asked me to verify my address. So stupidly I did, not thinking anything of it cause it was a Wells Fargo Teller. The next day on XX/XX/22 I noticed multiple large sums of withdrawals from my account. On XX/XX/22 they took {$1000.00} dollars, then another withdrawal for {$1800.00} dollars, then another withdrawal for {$500.00} dollars. From an ATM in XXXX XXXX XXXX XXXX. So once I notice the withdrawals I immediately contacted the Wells Fargo fraud department and filed another claim. Informing them of the fraud that had occurred the day prior. They informed me that they would investigate and that I would most likely get my funds back. I then went into the branch that same day and withdrew the remaining funds I had left over. I also told the teller about my situation, she said someone had changed my address in the system to an address based out of Florida and that's where they mailed my new debit card. So I called today XX/XX/22 to check the status of my claim and they denied it. I live in XXXX XXXX and these transactions were made in Florida, I was at work at the time this crime occurred. My next step is to go to the branch in person tomorrow XX/XX/22 and put in another complaint and threaten to sue them and then go to the news if I do not receive my stolen money.

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 2022-02-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have several items that are reporting negative on my credit report in which I have done the following : 1 ) .JPMCB - showing negative reporting in the amount of {$3200.00} - spoke with their recovery department and was advised that this item was zero in their system and had no idea why the credit bureaus were reporting it 2 ) .XXXX XXXX XXXX- {$2700.00} spoke with their collections and was advised this item is no longer in collections and was removed 3 ) .XXXX XXXX - {$37000.00} - spoke with their recovery department and was advised this item is not in their system. 
4 ) .XXXX XXXXXXXX - {$1900.00} - spoke with them and they advised me that I do not any accounts that are in a delinquent status no did I have a account in a delinquent status. 
5 ) XXXX XXXX XXXX XXXX {$3200.00} - this is same comenity bank barneys for {$2700.00} thats is reporting negative on my credit in which it should be removed! 
The item above are ruining my credit and my chances of trying to buy me a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: ACIMA CREDIT, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My wife & I purchased a mattress & a head board from XXXX XXXX XXXX. During the time we were buying the product we were in the middle of buying a home & could run our credit/ spend cash. We asked the owner about their promo & we see you have a promo going said " Get any product & finance for up to 12 months with " XXXX XXXX '' same as cash no credit checked need no down payment & etc. We asked all questions before agreeing to sign any documents & getting our products but how ever when inputting our personal information on XXXX XXXX Desk top. I notice a fine print saying if I do n't pay off the iteam in 3 months interest would add on & I would pay 40 % to 50 % more then what the item cost. I asked the owner why the fine print saying I would pay more if I do n't pay in 3months? He said " Oh disregard that! I have my finance guy take good care of you. '' & I do n't have to worry. I went ahead got the both items with my wife paid a {$50.00} each the Application ... but then during that time I also bought a Queen size frame cost {$77.00} & during check out the owner wife came & help but then she added everything thing up on the invoice & had me pay not realizing {$50.00} was supposed to go to XXXX XXXX. She discard everything her husband was doing. started an argument then a couple day 's later we got documents from XXXX XXXX & saw the item price we finance if is not what we agreed on in the store & sighed for so I called both companies. but was very rude to me like I did them something & also the rep told me please just pay her bill & ended the call. left looking foolish & do n't know what to do. I was side track from buying new home & getting a job that I forgot to file this complete from months ago. how ever I called again I later was told that fee I paid was a penalty if I what to pay of my items earlier then the 3 months & supposed to pay {$40.00} for the application & {$50.00} for early pay off. But in the store the owner charge my wife & I {$50.00}. I went to the store try getting back the money they refuse to refund us. I went back & forth with XXXX XXXX & the owner of store. Both refuse to help. Oh yes & on top of that I was told I had to pay the {$50.00} fee again they did n't get my application fee. I have now over paid for the product & also my wife & we really, really need your guy 's help because we are being told that now instead of the original cost at the end of the 12th months we are paying 3 time over what the item cost. That 's clearly a ripe off!

Company response to consumer: Closed with explanation