BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I went into the lobby of the Bank of America in XXXX to complete some banking activities, including a cash withdrawal of {$5000.00}. I swiped my debit card for the specific account from which I wanted the withdrawal to be taken, but the reduction was, in fact, taken from a different account. As a result of this error, XXXX payments to creditors were returned with insufficient funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
my bank account was closed, and left me with debt, after a few attempts to steal my identity and was harassed constantly by a company called XXXX, and also a XXXX. 
my credit card and bank card were both stolen from me. I filed a frud claim, but was never responded to.

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 2021-09-15
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This process and request were taken care of by me and there is no third party involved. It's been a long time of processing and making follow-ups to EQUIFAX and the CREDITORS with regards to my request of getting the items in question to be removed from my Credit Reports . However, I have neither heard anything from both of them nor received any kind of response. Thus, concluding me to reach out to you to ask for some assistance and help. EQUIFAX hasn't complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that they should provide any documents and respond to the complainant within the given period of time allowed by the law. Otherwise, failure to comply with these should result in the removal of the items in question. Below are the inquiries I am not connected to.

1. XXXX-Date of Inquiry XX/XX/XXXX 2. XXXX-Date of Inquiry XX/XX/XXXX 3. XXXX-Date of Inquiry XX/XX/XXXX 4. XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX 5. XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response yet and it has been over 30 days. Please remove these inaccurate items that were originally disputed on the date above from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was able to completely pay off my credit card so I contacted the credit card company and requested the payoff amount and closure of the account. I clarified my request by stating that I wanted the exact payoff amount for that day and time and I paid the complete amount during that phone call. I also specifically requested that a letter be sent out showing the XXXX balance and closure of the account. Roughly a XXXX later I received a statement from my credit card company showing that I still had a balance on my account from interest that had ocurred before I had closed the account. This little game could continue on for infinity and I believe that the credit card company is purposly attempting to trick consumers into thinking that they have closed an account. Once the consumer has forgotten about the account and missed numerous payments because they thought the account was closed charging the exorbitant late fees and interest rates. This is an unbelievably deceptive business practice and it needs to stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-15
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My account has been on autopay, withdrawing {$58.00} every month on the XXXX. On XXXX/XXXX/16 my bank account had a withdrawal of {$790.00}. I did not receive any notification that the amount would be increased. My loan servicer is Navient. 

Not only was this a major surprise, as I am on an income contingent repayment plan, but this happened 2 days before XXXX ... leaving me no way of contacting my bank to dispute the charge or Navient because they are closed for the holiday until the XXXX. Luckily I had the money in my account, but it left me with {$1.00} to survive on for two weeks until my next paycheck comes in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
i've been trying to fix this simple problem with the credit bureaus, i am a XXXX, and the credit bureaus have negative information in my file, that belongs to someone who is not a XXXX. I know i have a very common XXXX surname, which has gotten me involved withe courts once, but do not fill that a XXXX XXXX, and me a XXXX, should be mixed up. I have written them before and they have refused, to delete this information, please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
i've been trying to fix this simple problem with the credit bureaus, i am a XXXX, and the credit bureaus have negative information in my file, that belongs to someone who is not a XXXX. I know i have a very common XXXX surname, which has gotten me involved withe courts once, but do not fill that a XXXX XXXX, and me a XXXX, should be mixed up. I have written them before and they have refused, to delete this information, please advise

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 2016-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Upon receiving a weekly programmed text message of my checking account balance, I realized my account was in the negatives and when I checked my account, I realized there was a {$35.00} overdraft fee from Bank of America from a Venmo payment that was withdrawn one day prior. I called Bank of America customer service to try to resolve the issue which is where I learned that I had been charged an overdraft fee twice before and never even realized or was notified of such. The customer service representative refused to reverse the charge or try to resolve the issue and when I requested to speak to a supervisor, I was told that I should be receiving a callback in 24-48 hours. I never received a call back whatsoever and it has been almost 2 weeks after this phone call. My surrounding friends and sister whom are all customers of Bank of America had all admitted they had been charged overdraft fees for the same reason multiple times and had them reversed, so I was quite confused as to why I was rejected from a refund when the same exact thing happened to me. Awaiting the callback from the supervisor left me in a supreme negative amount in my bank account, which left me unable to use any form of payment until I had received my first paycheck from my first job.

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 2015-09-11
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I currently have XXXX XXXX XXXX XXXX private loans with Navient totaling {$92000.00} with interest rates of 14.25 % on XXXX and 9.75 % on the others. Earlier this year I was unemployed and reached out to Navient multiple times about the fact that I had no income and was unable to pay the current amount due each month ( approximately {$1300.00} XXXX. Multiple times I was told by their staff that I could pay {$150.00} as a deferment and would be brought current from three months delinquent. I paid this fee multiple times believing that it would allow me to be able to stay current while I caught up financially. I later found out, in XXXX of this year, that I had been lied to by the company and was continually only bringing myself 1 month current and not completely removing my delinquency and currently owed two XXXX 2 XXXX months worth of payments. Since then I have continually tried to negotiate with Navient about multiple options including loan consolidation, interest rate reduction and repayment period extension, all of which have fallen on deaf ears. I was denied a temporary rate reduction application due to both my cosigner and I together having enough income to cover the normal monthly rate of the loan according to Navient 's standards XXXX which they will, surprisingly, not disclose ). Their options are only " pay now '' or " pay now ''. At this point I am four months delinquent and they are demanding over {$6000.00} from me and still refuse to negotiate. I want to be able to pay this debt but the terms that they are providing are unfeasible for me as it would leave me with literally zero income. As it stands right now my current monthly income is less than what I owe from delinquency. My father is cosigned on the loans but as they have recently purchased a new home after moving across the country, they are in no position financially to provide me aid and I have no one else I can rely on for financial assistance. Navient keeps insisting they will only negotiate with me if the cosigner is present for the conversation as well when XXXX of the terms I have been requesting is removal of the cosigner. What they seem to lack the capability of understanding is that the only reason I have a cosigner in the first place is because at the time of loan application I had no credit history and would not have been approved so I essentially had my arm twisted into obtaining a cosigner or risk not being able to attend school. I have been continually seeking other options including consolidation loans from outside lenders but as the delinquency has severely damaged my credit I am extremely concerned that my only recourse is to attempt to discharge the loans in bankruptcy citing undue financial hardship, but not even that is a guarantee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I the consumer XXXX XXXX, was the victim of identity theft and have fraudulent accounts appearing on my credit report as result of that. These accounts originated from identity theft and are fraudulent, I never benefitted from these accounts. 15 usc 1681c-2 states that any items related to identity theft must be blocked by consumer reporting agencies. The following accounts are related to identity theft 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a cheque account at Bank of America while visiting XXXX in 2013.
Now Bank of America will not send me the balance. I have made XXXX International calls and numerous emails with endless promises made but still no money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I would like a written explanation as to why I am being charged {$510.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I the consumer XXXX XXXX, was the victim of identity theft and I have fraudulent accounts showing up on my consumer report as a result of the identity theft. Please block and remove the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have called Navient multiple times trying to lower my student loan payment. Each time I call no one is willing to work with me. At one time my loan payment was {$1300.00} which I could not afford. I have tried to apply for income driven repayment but each time I am told that I make too much. It is frustrating that I have never missed a payment in 7 years but yet no one is willing to work with me to help lower my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I am co-signer on both of my XXXX something year old children 's student loans. Navient has been calling me 4-6 times each day, 7 days a week for over a year now, demanding I pay their loan balances. They have also sent me literature stating they will take whatever means necessary to get the money from me. 
Both of my children have deferments as they are taking XXXX for their XXXX XXXX and further education. 
I am retired now, and only have a pension for income. What can be done to stop Navient 's harassment of me?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Talbot, Adams, & Moore, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Called to get verification of the debt which they told me they did not have the sign contract nor information about this debt that could be provided to me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I had an PAY PAL account and I keep getting a fraud notice ( 2-3 times a month ) believed originated from XXXX keep saying that the credit card was fraud using as below : PayPal XXXX XXXX To : XXXX XXXX XXXX % % % % XXXX % % % %, XXXX beluieve tuhat an unuauuthuoriuzed puaruty may hauve acuceussed your acucount, to purotuect your acucuouunut wue huavue teumpuoraruily ruesutriucted acuceuss to youur acucuount and youur lisutiungs have beuen deuactuivauted, wue hauve also removed any buaunk acucouunt and crueduit caurd infourmatuiuoun.

Tuo reugauin auccueusus tuo yuouur auccuouunt, cuomupleute thue fuoulluowuing steups wiuthuiun 2u4 huouurus.

Guo tuo aucucuouuunut

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 2021-10-25
Company: EQUIFAX, INC.
State: VA
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 disputed items on my Credit report and it has been more then 30 days with NO result 's. The credit bureau is " Equifax ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: POPULAR BANK
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I went to XXXX and filed for a loan their number XXXX, ive spoken with a man named XXXX and XXXX. at ext XXXX and XXXX they claim that when you pay XXXX for the first initial payment, they then will place the money into your bank account. Once they receive the money, they do not place the money into your account and they continue to tell you that they need another XXXX dollars to do the transaction. they are using a phone number for XXXX Illinois and the police department in Illinois stated that they are a fraudulent company claiming to be in XXXX Illinois and after they investigated the company, they found there is no company. They believe this company to be overseas. I have receipt showing money was transacted, text to show they contacted me. Please I need you to return my call regarding this fake company. my number is XXXX and my name is XXXX XXXX. thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX is an account on my Transunion credit report. The balance was finally updated, but the account was not removed. Creditor and doctors office agreed to remove the account from my credit report once the balance was paid. Balance was paid, please get it off of 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 2021-09-15
Company: ALLY FINANCIAL INC.
State: TN
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 had an auto loan with Ally Financial which began XX/XX/XXXX. The auto loan was completely paid off in XXXX of XXXX. Also in XXXX on a recorded call Ally agreed to remove ALL late payments on my credit report. The reference number to the XXXX case was XXXX. After a couple weeks of not removing it. I called back in XXXX to check the status. The representative acknowledged that she seen the agreement from XXXX and was confused of why it wasnt yet resolved. The rep open a separate case to attempt to get it resolved faster. The XXXX reference number is XXXX. As of today the late payments for XXXX and XXXX are still present on my credit report. Ally Financial failed to remove the negative marks as agreed. Im requesting Ally Financial to remove these negative marks from all 3 credit bureaus XXXX, XXXX and XXXX as soon as possible.

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