BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-30
Company: DISCOVER BANK
State: AL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Over the past two days, I have received no less than XXXX letters from Discover Bank Customer Service saying " We were unable to verify the identity of all Account holders ; therefore, we were unable to open your new Discover Account. '' I have never tried to open an account with Discover. All the letters say the same thing and are dated XXXX XXXX, 2016. I have called Discover at the number listed on the letter, XXXX and they said to get in touch with the Credit Bureau. They could n't give me any more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I wanted to know when PMI is removed from my loan. I checked consumer finance & read that PMI should be dropped once my loan had reached 78 % of what the value of home was @ time of purchase. I called BOA & received a denial letter stating that their requirement is 75 % of the loan amount rather than the value of home.My home was valued {$20000.00} more than we bought home. Then they told me that I could have my home reappraised to prove it did n't lose value. When I called on XXXX different occasions, I kept asking why they do it based on loan amount rather than value & what good does an appraisal do if it 's based on loan amount? XXXX Rep told me the appraisal would n't really help my situation. So my next question was, why was a {$600.00} appraisal even suggested- it would have been an expensive waste of time. XXXX Reps agreed with me, but never answered XXXX. Why is it based on loan amount & not value and why XXXX instead of XXXX. XXXX. Why was the appraisal suggested if it was n't going to benefit my situation. I 'm very frustrated that they have different rules and extremely upset that they suggested a costly and non beneficial appraisal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX, am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2020-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am from XXXX and I was working in XXXX Washington DC XXXX XXXX XXXX for one year. I opened my Bank of America Account in DC in XX/XX/2019. I sent them an email but nobody answered me. 

I returned to XXXX and Bank Of America took from my account Monthly maintenance fee but right now due to corona and being in XXXX, I can not use my account right now. If they continue to take this fee from my account, My account will be - balance.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have had a very difficult time with Bank of America. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. My rep XXXX XXXX XXXX never returned any phone calls. Bank of America always seemed to lose my paper work, which I constantly had to re fax. I am XXXX years old and had a XXXX. I feel behind my mortgage. I am now over my hardship an can afford my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Navient Solutions, LLC.
State: FL
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:
Been on auto debit for years with loans I 've already paid in full and current loans which are being auto-debited. The loans are through Navient. They have not been giving me the discount for auto debit. Which they told they would years ago. When I caught it, now they need weeks to investigate it. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: TX
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/22 I got a notification on credit karma that credit card with XXXX ( formerly XXXX ) that reporting past due. I have not used the card in over 7 months. On XX/XX/22 I called XXXX, after holding and being transferred to different departments for almost an hour I filed a Fraud claim as I never made the {$17.00} purchase. I expected that the open Delinquency would be removed but I was told that it would take up to 30days as they investigate. I advised them that I am closing on a house in less than 30days and that it needs to be removed. I was transferred to a manager ( fraud dept ) whom was very rude and short with me. I advised that this could have been prevented had I received proper notice of the account balance / status via mailed statement / email / text / call, but I didnt receive anything notifying me. He claimed that they have been sending statements, I advised him that They Didnt even have my correct address updated. On XX/XX/22 I called to update my address, when I called XX/XX/22 they still had my prior address on file. I also mentioned that I have been mail forwarding ever since and have not received any information about my account owing a balance or being past due. He said that he can transfer me to the credit card dept and maybe they can better assist. Then I waited XXXX more minutes and was transferred 2 more times ( was on the phone XXXX hours & XXXX minutes total ) I was transfer to visa credit card dept but was told they can not help and I was transferred to XXXX XXXX, they advised the same. That they can not help me and I would have to wait up to 30days, said maybe Fraud just didnt want to deal with it as Credit Card dept can not help either. I mentioned that this could affect my personal life / ability to close on my home as this information is incorrect and the transaction is fraud. I have never in my life been late on a single account and now this could prevent me from closing up n my new home. I need this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
We have had a home equity loan with Chase Bank since XXXX. In order to get the loan, a walk through appraisal was done at the time and the value of the house was given at {$620000.00}. We have a first mortgage with another company and the total borrowed amount was under 80 % of value. All accounts were paid on time and the full amount of the home equity loan was used for projects in the home. During the housing downturn of XXXX, Chase notified us that because housing prices were down, their electronic valuation tools put the home value at just over {$400000.00} and they placed a lock on the home equity loan. We used all the funds and were paying on time, so we had no problem with it. In early XXXX, while purchasing a new car, we were told the lock on the loan was a red mark on our personal credit reports. Now that home prices have returned to their former value, we contacted Chase to remove the lock and asked them to use the same electronic valuation tool they used before to value the house. They refused to remove the lock or tell me what the value would have to be. They insisted I had to pay for a full walk-through appraisal in order to remove the lock. So I paid an appraisal company to do a full appraisal - almost XXXX pages, with photos and XXXX local comps to justify the value of the house - now at {$530000.00}. The XXXX mortgages would still be under the 80 % of value required. It took three weeks and multiple visits to a local branch, faxing, emailing and communication before they finally got acknowledged receiving the appraisal copy. After a few more weeks and phone calls, they rejected the new value and refused to remove the lock because they did not order the appraisal - after telling me I had to do it myself. Again, we were not looking for more money, all I wanted was the red mark removed from our credit reports. We were told we can re-apply for the home equity loan using their appraiser. I was never told the value they were looking for to remove the lock.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/2020 I received my 1st notification from Carrington Mortgage stating they will know be serving my loan. My loan was previously serviced by XXXX XXXX  whom my last notification from them was on or about XX/XX/2020 stating they had all documents and in process of loan modification. Neither XXXX or Carrington Mortgage notified me prior to the transfer. This is part of a long list of complaints. On XX/XX/2020 I sent Carrington Mortgage a letter requesting to utilize my rights under the CARES ACT and requested a COVID-19 forbearance on my mortgage loan by mail and through Carrington 's Portal. The next day I log in Carrington has updated the portal which stated Covid 19 assistance from XX/XX/2020 until XX/XX/2020. Carrington 's backdated my request to XX/XX/2020 please be mindful that Carrington 's did not have my account on XX/XX/2020 and XXXX was still working on my loan modification. Also if this were correct which it is not Carrington 's would have been unlawfully charging me fees under the CARES ACT. I have a long list of fees that Carrington 's charged after the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
To Whom It May Concern, I am a co-signer on my son, XXXX XXXX XXXX loans. I became XXXX XX/XX/2010. I spoke with them about taking me off the loan because I had no ability to pay this loan. This began an avalanche of threatening phone calls. I ca n't help my XXXX or my lack of income. You can not work with these people. My son and I spoke with a gentleman at Navient/XXXX about making 12 consecutive payments to have me removed as co-signer. My son set up pre-arranged schedule autodraft payments to satisfy the requirement for taking me off as a cosigner. My son made each and every payment as scheduled by Navient/XXXX. When the 12th payment was complete, we called to have me removed. Each person that we spoke with did not have any record of the arrangement and stated one of the payments was late even though it was scheduled by them to be autodrafted out of my son 's account. 

In addition, I asked for a copy of the individual loans complete with signatures and got some documents but none were signed. I again requested the documents and was told they were not available and even if they were available, that I could not have access to them. 

Some time later XXXX had an agreement with them to make payments at a specific interest rate ( 3 % ). After paying as agreed for a year I received a phone call threatening default. I asked if XXXX had made payments as agreed and why he was behind when they had processed the payments per the agreement. They had no response but that he was behind and if additional payment was not made it would begin legal proceedings. 

The most frustrating part of it all was the lack of communication and the lack of records kept from previous interactions with XXXX/Navient. Each person we would speak to would have record of any of the previous calls/interactions with their company and we would get transferred to multiple departments. The whole time I felt like I was receiving the run around. My son and I tried to continually make arrangements with the company but they had no records of previous communication. We asked for records but they refused to give us anything. We finally gave up and hired a lawyer. Awaiting default/collection notice as the loans defaulted XX/XX/XXXX or XX/XX/XXXX and still not communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This complaint is with pay pal! i used pay pal to make a payment for a purchase! after doing intensive research of the website email provided online reviews i noticed that this may be a fraudulent website created by a very suspicious persons name i contacted pay pal but there is no one to help and resolve this problem they opened a case and said that i did in fact purchase something from that website and yes i did but after like i said doing intense research i have found out that this web site is fraudulent account as it appears! the shipping number in pay pal system is used from a prior completely diff purchase how can that happen when the seller should not know such info?! there is no live person that pay pal provides to speak with I HAVE NOT RECEIVED THIS ITEM AND TRYING TO ALERT EVERYONE ABOUT THIS PERSON!!!!! AND I WANT MY MONEY BACK!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am a customer of Bank of America that ( due to Covid ) is collecting unemployment. On XX/XX/2020, I attempted to transfer funds from my unemployment EDD prepaid account to my regular checking account ( transaction ref # XXXX ) and accidentally entered an account number ending in XXXX, instead of XXXX. I realized this error 2-weeks later, I contacted the bank ( Bank of America ) and filed a transfer error claim. I received a letter two weeks later stating there was no error, and I needed to contact the merchant/individual that I transferred the funds to. I don't know who received the funds I transferred because I do not do business with this individual. I have made several attempts to resolve this issue with Bank of America, but all they do is take notes and transfer me to various departments.

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 2015-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Credit Report Item : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. I have advised the credit bureaus that I did not have a XXXX account opened in XXXX. I have had XXXX for 5 years now. I did have a XXXX account back in XXXX, this was part of my bankruptcy in XXXX. This charge for XXXX states it will be on my record until XXXX. I have lived in Utah 2 years, it would be easy just to ask when and where the charge occured. Can you please have this corrected? 

I would like debt validation : CREDITOR/DEBT COLLECTOR DECLARATIONPlease provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: National Credit Systems,Inc.
State: NC
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:
In 2019 I lost my previous place where I was living. In the judgement with the court the managers were awarded the property only and not an monetary amount. After going back and forth for a year with the company. They finally gave me a move out statement. The amount the company is saying i owe is incorrect. I need this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including twXXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTERXXXXBANKRUPTCY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I recently owed a debt to an apartment complex that I once stayed In. when I paid the debt trans world systems said I owed an additional {$750.00} that I know nothing about so when I disputed them it showed that I won the dispute but it still brought my score down and I want it removed from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THAY SEND A COPIE OF the account watch is not my there is no wet signature of my

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
A bank of america account keeps showing as late on my report and that is incorrect. this account has been holding me back financially for some time and this is the last straw. i have no consented to this when i was opened and it was not in around for years. I demand a viable resolution.

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 2022-07-25
Company: Checkr, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The XXXX  has received 74 complaints in the last three years, with 44 closed in the past 12 months with XXXX and does not have permissible purpose, to disclose erroneous, inaccurate and completely false background information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: BARCLAYS BANK DELAWARE
State: WI
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 was charged an extraordinarily high cash advance fee of {$10.00} on a transaction of about {$100.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Pinnacle Credit Services, LLC
State: NY
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 am disputing a debt with XXXX XXXX. I sent them a debt validation letter on XXXX XXXX, 2015. They ignored my request for validation.

Company response to consumer: Closed with explanation