BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-16
Company: F.H. Cann & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
" Your federal tax refund will be returned to you if your refund was in the process of being withheldon or after XX/XX/2020, the date the president announced executive actions related to the COVID-19 national emergencyfor the repayment of a defaulted federal student loan. Your federal tax refund will not be returned to you if the process to withhold your refund was completed before XX/XX/2020 ''. 

On my letter shows XX/XX/2020 has the Department of Education states need to return my Refund. I have attached the document from the Treasury Department it was taken on XX/XX/2020. 

I did not make any arraignments by phone or any type of communication directly to you. I need back my 3 years refund and will not call number provided because this is not my loan and invest time calling to get my funds back. It your obligation to return 3 years of refund and if not will file a suit against you for fraud and any damages that were incurred in this 3 years to collect my refund back. 

I will settle by returning my refund back of 3 years and take off the loans off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: DISCOVER BANK
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had this account since XXXX. I have never missed or had a late payment. In XX/XX/XXXX, the company arbitrarily decreased my credit limit by almost 30 %. This decrease had nothing to do with my account history and has caused my credit score to drop

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been trying to re-new my income-based payment plan for almost six months. My old plan expired. Six months ago, I mailed in the application with a signed letter claiming my income as instructed. When I never heard back after a few weeks, I called them and they said that I had " checked off the wrong box '' so my new plan could n't be processed. They told me to check off the right box and re-send the plan in. But, when they transferred me to another department, that department said that I had checked off the right box, but that they needed better proof of income ( which I could n't provide since I was an independent contractor at the time ). They said they could n't help me further, and I was really confused. Flash forward to three months after that, I got a new job with an offer letter that I could use as proof of income. My loans were in deferment this whole time ( as they hand out deferments like candy because it only means more money for them ). I decided to try to fill out the online income based application on the federalstudentloans.gov website. I fill out the form then get a series of conflicting emails saying that I both was and was n't approved, and that the next step should be to upload the proof of income. So i decide to upload the offer letter responding to the latest email, but it 's been like crickets since then, I have n't heard from them and this was over one month ago. I do n't know what to do because my hope that my plan will get processed is completely gone at this point. Why do they seem to have so many problems?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
on XXXX/XXXX/2016 I made a deposit of {$400.00} and at the time my account was over drawn. The account was brought to current and check cleared my other account. I had a payment presented in the amount of {$180.00} and there was enough funds to cover however Bank of America returned my item unpaid, charged me a {$35.00} fee they placed a hold on my deposit. even though it cleared my bank the next day. on XXXX/XXXX/2016 there was an additional deposit made in the amount of {$500.00} in cash. there were some other presented and paid, the {$180.00} was presented again and yet again the payment was again returned and I was assested a fee again. Not only is this unethical to return a payment when the funds are there. I was charged {$70.00} in fees. I am requesting that the fees be remitted to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-16
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
When will my bank offer latest card technology they still dont have the tap pay feature on the debit card its amazing how on the credit cards it has it but not my debit card I cant tap to pay only chip!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX, XXXX, XXXX, XXXX XXXX all violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX/XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX, XXXX XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX reported to Experian that I applied for credit in which I never applied for. they have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, employers, phone numbers and names corrected on my report as this is a violation of my consumer protection rights.

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 2016-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
i went to bank of America and was not treated with dig nity and respect. I did n't get anything resolved, and as I was talking to the representive and when another rep presentive came up and stated that her XXXX app ointment was there and it was though I did n't matter. 
As a consumer customer or client of bank of America I did n't matter. I was put off as though her appointmen t was more then I was and at that point I left bank of America without my issue resolved or answered. 
plus money was token out of my account and that I was being charged for over draft protection and XXXX hen I was told that my over draft protection would be free and that my monthly withdraw out of my checking account into my savings of which had been changed from out of my savings, into my checking. when that was n't my agreement of my contract.

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 2020-04-16
Company: AES/PHEAA
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
That wasnt me that took the loan out nor attended that school so how was it proven it was me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: EQUIFAX, INC.
State: GA
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:
XXXX, XXXX, XXXX, XXXX XXXX all violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX reported to Equifax that I applied for credit in which I never applied for. they have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, employers, phone numbers and names corrected on my report as this is a violation of my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Experian Information Solutions Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX has illegally reported to Experian a derogatory account after I filed a complaint with the CFPB XXXX back on XX/XX/2020 against them stating my notice of dispute of validity of the information provided. I REQUESTED The debt to be sent back to the original creditor there is identity theft and fraud related to this matter. They have have sent the derogatory information anyways to my credit report violating my rights under the FDCPA. The information was disputed within the 30 days of validity and requested to send back to the original creditor due to identity theft and fraud. Your breaking the law reporting to the credit reporting agencies anyways. I will seek litigation if this isnt removed immediately.

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 2016-05-04
Company: BB&T CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Several months ago I opened a bank account via the mail. I have never received signature cards or account information advising of my minimum balance requirements.I have voiced my concerns via email, letters to the bank manager with no response. I am now being told I cant close my accounts without incurring more fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: Michigan Mutual, Inc.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a loan to purchase a home in XXXX XXXX. I was a pre-approved $ XXXX with XXXX XXXX, Mi Mutual Mortgages. We moved on with the purchase, did the inspection and they were working on the loan. They kept on asking me for documents over and over and I provided them with everything requested. I was told that everything is ok that the loan is just processing and we are waiting for the appraisal. The whole process was longer that usual and the communication very poor. At one point right after the appraisal was done my lender completely stopped communicating with me. He never answered my calls, e-mails or text messages. Just to find out from my realtor right before closing that the loan was not approved and they need more documentation. Now the file got moved to the company 's branch manager, XXXX XXXX, who took over from here. He was as bad in communication as his employees. The only updates I got were from my realtor and she was trying really hard to keep this communication going. They kept promising us that they would review the file at a higher level in the company. All the emails that my realtor shared with me clearly stated that they would n't approve us, but XXXX kept saying that they were working on it. They even pushed us to get an extension where my earnest money would have been jeopardized. Luckly my realtor did not let this happen, knowing that all we have in hand is a promise. At that point the listing agent got involved and he had his wife, who happens to be a lender try to look at this loan and see if anything can be done. XXXX completely refused this. This is when we found out that Mi Mutual had not even done a verification of employment, almost two months into this transaction, although they had all the necessary information from the beginning. 
Now if they knew so long ago that this loan wo n't get approved then why did they do appraisal? I spent {$700.00} out of my pocket and an additional {$350.00} on inspection just to tell us two months later that they ca n't approve the loan. This is outrageous! 
I tried contacting them several times requesting at least my appraisal money back. It was their mistake from the beginning. I felt like they overlooked and ignored my file until later in the transaction and they were trying to save it all at the end. 
Now when I asked for a resolution and my appraisal money back, I got no answer, no response to my emails or calls. I have received no communication from the mortgage company whatsoever. 
More so, going through another lender afterwards, they would only approve me for max $ XXXX. This is almost $ XXXX difference!!! How can they be so off in their calculations if they had many sets of eyes going over my loan? This is unethical and Mi Mutual Mortgages need to be held accountable.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
I have XXXX credit card accounts with Bank of America : XXXX is for both my wife and myself and XXXX which is my individual card. On XXXX XXXX, 2016 I contacted BoA to make payments for my accounts. I spoke with XXXX XXXX. I auhtorized bank debit for {$670.00} for account ending in XXXX from my account at XXXX. When discussing account ending in XXXX I had a credit balance of {$500.00}, which I also asked XXXX XXXX to CREDIT my bank account at XXXX. The reference for these transactions was XXXX. 
On XXXX XXXX, I noticed my XXXX bank account had been debited for the {$670.00} but had no credit for the {$500.00}. I assumed this would take XXXX or 2 days same as the debit. However, by Friday XXXX/XXXX/2016 I called around XXXX XXXX and spoke with XXXX at BoA and complained about non-receipt of credit at my bank. XXXX XXXX informed me that the the payment had been authorized that date and I should have it in my account by monday morning XXXX. 
As I did not receive the funds on XXXX, I called back BoA and spoke with XXXX from Texas on XXXX/XXXX/2016. I again explained my frustration about non-receipt of funds in my bank. It was only at this time, on XXXX XXXX that upon reviewing account notes with XXXX that we discovered BoA had NEVER applied a bank credit. Instead I was informed that a check had been drawn out on friday and mailed on monday. Obviously I was extremely frustrated. 
XXXX spoke with her Manager and informed me BoA would put a stop to the check and immediately credit my bank account. She confirmed the funds would be in XXXX by the end of the day. It is now XXXX XXXX on XXXX XXXX, 2016 and still NO CREDIT in my bank. 

I would like the CFPB to investigate why is it that BoA has the capacity and technology to immediately debit a customer 's account at another bank for payment. However, as it happend in my case, why does BoA not have the same technology in place to satisfy a customer 's request. I think these actions fly on the face of proper customer service. I would rather classify it as CUSTOMER DISSERVICE. I also think it may be illegal for them to conduct these activities in the manner which I experienced. It can not be good consumer practice and good faith for the bank to have the ability to pay itself immediately but make the same customer way for days, and in my case weeks for a credit transaction. Furthermore, When I inquired on Friday XXXX I was LIED to as I was informed that the transfer had taken place, when in fact a CHECK had been supposedly authorized. 

I would also like to know if the CFPB has received more types of this complaint as I am convinced other consumers have been harmed in the similar manner and may have basis to take legal action. I await your kind feedback related to this issue. 

Thank you 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 monetary relief
Consumer complaint received 2015-05-13
Company: Community Health Investment Company, LLC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
rude, evasive, wo n't say who they are or why they are calling. 
calling me at work XXXX times a day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-26
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed the FTC Report as well and the report number is XXXX. The FTC Report is attached. 

These fraudulent credit inquiries were made by the following companies : Inquiries : XXXX. XXXX XXXX XXXX on XX/XX/2021 XXXX. XXXX XXXX on XX/XX/2021 Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

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 2016-03-28
Company: Blackhawk Network Holdings Inc.
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I requested account closure via XXXX mail XXXX/XXXX/2016, per the Terms and Conditions of the account, by mailing the card and a letter requesting closure. While not required per the t & c, I also included copies of my photo ID, as a courtesy and proof of my identity and address. My account balance at the time was XXXX, and I asked that it be sent via check to my address on file, which matches the address on my photo ID. As of XXXX/XXXX/2016 I have still not received a refund. I was also charged a 'monthly maintenance fee ' of {$5.00} on XXXX/XXXX/16, and again on XXXX/XXXX/16, indicating the account has not been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX  and Transunion are report XXXX XXXX XXXX XXXX XXXX {$620.00} debt thats not mine

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 2021-12-26
Company: Diversified Adjustment Service, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX po box XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The status is incorrect for the following account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, 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 2016-06-30
Company: Pinnacle Credit Services, LLC
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have noticed that a company by the name of Pinnacle Credit Services have listed a debt on my consumer credit report. I have disputed the listing with the XXXX major credit bureaus because i do not believe that this debt belongs to me. I have never received any correspondence on the validity of this debt by mail or by phone, however it has been listed on my credit reports. This account has since been removed from XXXX of my credit reports XXXX XXXX and XXXX XXXX, but is still listed on my XXXX credit report. I have reached out to Pinnacle Credit Services by mail asking for documentation ( debt validation and or debt verification ) and nothing has been done. I have informed them that i am fully aware of my rights and have asked for timely verification ( i.e. amount of debt and name of creditor ), and still have not received any. This listing on my credit is having a major negative effect on my XXXX credit report. This company should know that they are required to provide debt validation when asked by the consumer per FCRA requirements. Please look into this matter.

Company response to consumer: Closed with explanation