BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-15
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a text alert set up on my checking account to alert me when my account goes below {$5000.00}. On XXXX/XXXX/2015 my checking account balance dropped below {$5000.00}. I was not notified via text until the morning of XXXX/XXXX/2015. In the interim I had XXXX items clear my account which caused XXXX overdraft fees of {$100.00}. Had the alert worked properly, I would have moved funds to this account and avoided the fee. After spending XXXX minutes on the phone with Regions Bank representatives, I was only refunded {$18.00} of these fees and told that a supervisor would review refunding the remainder of the fees and call me. I did not receive a call back so I sent a secure message asking that the remainder of the fees be refunded since the Bank 's notification was XXXX days after the actual occurrence of the balance dropping below {$5000.00}. Regions responded that it essentially was not their problem that caused the overdraft as I should have better monitored my account ( which I attempted to do by setting up the text alert ) and that the alert may or may not work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
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: Information belongs to someone else

Complaint:
My identity has been compromised and even made me a victim of the dark web. I'm now dealing with unauthorized and unknown accounts that I'm demanding be removed from my credit file immediately. Not one single credit reporting agency delivered A Method Of Verification of any sort to my persons. Therefore, I'm requesting these accounts be removed. 

1 ) XXXX XXXX {$22000.00} 2 ) XXXX XXXX {$100000.00} 3 ( XXXX  {$41000.00} 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX {$1500.00} 6 ) XXXX XXXX XXXX {$870.00} 7 ) XXXX 8 ) XXXX XXXX  9 ) XXXX  {$1000.00}

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 non-monetary relief
Consumer complaint received 2015-04-02
Company: The CBE Group, Inc.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Because we could n't come to terms, I advised a XXXX costumer service agent that I planned on cancelling my service with them to go with a different carrier since I was within my 15 days to do so with no penalty, then I disconnected our call. The agent went to the lengths to call me back to offer me a " loyalty plan '' to keep me with them, that I later ( now too late ) found out did n't exists. Ironically I tried to call XXXX numerous times in the following months to get them to honor what I was offered or terminate my contract with no penalty, as I planned on doing before being tricked into keeping it past the 15 day period. Ironically, I could n't get a call back from XXXX when I wanted to, but the agent could call me and sell me lies after I hung up on her. After about the XXXX call in I talked to a rep who offered me a new plan, {$50.00} more expensive ( {$120.00} instead of {$70.00} ) than the plan I THOUGHT I agree to, but I was tired of the run around so I agreed. After that, I had to call back again because the rep who offered me the {$120.00} plan did n't switch it over right. By the time I got my next bill it was {$190.00}. SO AGAIN I called, XXXX final time, to tell them I was done and to cancel my contract as I have been requesting. My intention was to go to get bought out of contract by XXXX of the other carriers but the bill had to be current and I refused to be pay XXXX another dollar after over 6 years of being with them and being treated so poorly. It took me some time to figure out a new phone situation, but I ended up doing so. Next thing I knew I got a {$690.00} bill from XXXX and emails from a debt collector on their behalf. I submitted a XXXX complaint and even that turned into a night mare of unanswered VMs and multiple contacts. I was told multiple things by multiple reps. They both made me offers contradicting each other 's and still based off of the wrong information, and when I asked for clarification and then a supervisor, I was denied both. I was tricked into keeping this contract when I made it clear I wanted out, and was within the time frame to do so without penalty. This the is the worst experience I ever had with a service provider, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account in 2008 with XXXX and before leaving I paid and return and necessary equipment and now they are saying I owe them a bill. I do not owe them when I left the company I had a zero balance and they waited until now to report this inaccurate information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
State: NY
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:
I checked my personal credit report, which I acquired from your organization on XX/XX/2021 and I noticed that this unauthorized inquiry had been made :.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I tired to use my credit card to buy food but it was declined even though i new i had available balance. My credit card was account was closed on XXXX/XXXX/2016 and I was not informed about it until Five days later on XXXX/XXXX/2016. I have never missed a payment on any of my credit cards after reestablishing my credit like they insisted I had done.

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 2016-08-09
Company: UNITED AUTO ACCEPTANCE
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
THIS COMPANY IS REPORTING THAT I CURRENTLY HAVE A CAR LOAN WITH THEM AND A VEHICLE THAT IS PASSED DUE FOR THE LAST 5 YEARS. IVE CALLED AND VISITED THIS LOAN COMPANY TO GET THIS MAJOR INACCURACY RESOLVED BUT THEY ARE GIVING ME THE RUN AROUND WHILE STILL SEVERELY AND ILLEGALLY DAMAGING MY CREDIT. NOW NO ONE IS RETURNING MY CALLS. I DO NOT HAVE A CAR OR LOAN FROM THIS COMPANY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: MORTGAGE SOLUTIONS OF COLORADO
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I got XXXX and was off work for a couple of months and we got behind on the mortgage so I wanted to do a modification and went through the process we sent in all our information and waited on their response. Finally we got a letter in the mail informing us that our mortgage payment has went up over XXXX dollars a month for the rest of the loan. Our payment went from XXXX to XXXX for the remainder of the loan. We were told to pay the new monthly payment or they will take home. After talking to many different people asking why our mortgage has went up someone finally told me that after looking at our finances they determined that we could afford the make the higher payment and if we could n't we would have to do a short sale or get our home taken. This is the WORST mortgage company in America!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i never had this account i tried to contact the, m but run around. my score is so low because of this .why and i need to do something about this now. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Exeter Finance Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
DISPUTED THIS DEBT NUMEROUS TIMES PER : Title IV of the Consumer Credit Protection Act. Section 401.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: BANK OF THE WEST
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX/XXXX/2016 I received a call from XXXX from a women who said she was calling from Bank of the West. She informed me that the she was calling customers because the bank had sent out promotional credit cards to their good customers, with 0 % interest for 6 months and that a lot of people were saying they never received anything. She asked if I had received a credit card in the mail. I told her I had not received any credit card. I assumed that this was a mistake, since there was nothing on my account online. She told me that the she would send out a new credit card and to expect it in 7 - 10 days. On XXXX/XXXX/2016 I noticed a new line of credit on my Bank of the West online account. XXXX also sent me an email that there had been activity on my account. On XXXX/XXXX/2016 I called Bank of the West and I told them my story. They told me that I had signed up to their promotional credit card, which I never did. I told them I needed them to cancel the card and to report this to all credit bureaus as a mistake. She then said she would send an email to her manager to look at my account because I have indicated the account open was done fraudulently. She said I would get a call back. What I think happened is on XXXX/XXXX/2016 the person I spoke to was lying and she actually signed me up for a credit card without my permission. I think this seems probable as her story, that the bank was giving out credit cards seems flawed, I 'm not a good bank customer. Although I have good credit on my bank account I routinely go negative balance. If that did n't happen and Bank of the West opened an account without my permission this is not okay as I never agreed to their credit card, the line of credit and their terms. They have a high interest rate on their credit card 19 % and only 6 months no interest promo, that 's pretty XXXX. I have a XXXX card with no interest 21 months, I would never get a Bank of the West credit card, makes no sense.

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 2016-12-14
Company: BANK OF THE WEST
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for Bank of the west checking account promotion online since they were offering {$150.00} credit. I completed all requirements to get the bonus and to my dismay I was denied claiming another house hold rep received a bonus this year. I called BOW customer care and spoke to someone right after acct opening and these guys are not organized and only specialized in wasting valuable customers time. I asked customer care rep If I qualify for the Bank promotion that I applied. I was told that I am qualified and I need to wait until XXXX XXXX to receive the bonus and they never told me that I am not qualified since another house hold rep received a bonus this year which is not true. 
I am checking my tax returns for last year 2015 and I do n't see a XXXX interest income statement from Bank of the west and I do n't have any promotion applied to my account this year either. Same is true for my wife since we file taxes jointly and no other household reps lived at my house.

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 2015-04-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been repaying my student loans since graduating from college ( no small feat - a sum that is now about $ 600+ every month ). XXXX are federal ; the other XXXX are serviced by Navient ( formerly XXXX XXXX ). 

My complaint is as such : For over a year, I have been requesting that, as a consumer in good standing with great credit, my father be released as cosigner from my loan. XXXX XXXX ( and then Navient ) has had me jump through countless hoops - the first of which is, of course, being able to get past their customer service. Every time I have begun this conversation with them, I am told that for reason " X '' I can not release my father as cosigner, but to call back in 2, 4, 6 months. 

Upon my latest call with Navient, I reached wit 's end. Whilst his colleagues said I would be eligible in XX/XX/XXXX, then XX/XX/XXXX, etc. etc., he told me I am ineligible on the grounds of not making " the required consecutive on time principal and interest payments. " I am not one to complain or lodge accusations against others, particularly financial institutions. But Navient has mislead me, made it inexplicably difficult to discuss my greivances, and ultimately removed any faith I 've had in their institution as a whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
to much to tell bottom line I gave my ex wife marital home threw divorse XXXX years later I filed bankruptcy my ex let the home go back to bank they hurrase me with filing loss with my old homeowners ins in my name documents keep coming a lot more need help and to file a federal suite against bac home loans

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
over a year ago i paid a debt from XXXX XXXX, the debt was taken off my report after 3 months the debt was put back on my report on transunion, XXXX. i sent a validation letter and a cease and diesis to the address reported on my report. i never recieved an answer back to see the address reported is not an accurate address for my letters to be returned to me. i have no way to get in contact with XXXX XXXX, so i called and was told the information will be taken off and it is still reporting i need this blocked n deleted as soonas 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
Consumer complaint received 2021-07-05
Company: Professional Medical Management, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05
Company: Experian Information Solutions Inc.
State: NY
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:
I checked my personal credit report, which I acquired from your organization on XX/XX/2021 and I noticed that these unauthorized inquiries had been made :

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 2016-07-13
Company: Navient Solutions, LLC.
State: SC
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:
I was going to enroll in XXXX University for a XXXX XXXX. I completed the paperwork and prior to submitting the {$75.00} enrollment fee, I was informed from XXXX that I did not have the necessary credits to enroll. XXXX University proceeded with the student loan through XXXX, but I was never given any of the funds. This was in 2009. I have been trying to resolve this since, but now a new company has become involved on behalf of XXXX and they are threatening legal action, wage garnishment, etc. I never received this money because I never actually enrolled or was able to enroll. XXXX continues to send me collection notices for the {$75.00} enrollment fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Current mortgage with Loancare. In 201o I was diagnosed with a life threatening illness which forced me to stop working as I needed medical care and few surgeries to save my life. I fell behind on mortgage payments. I then reached out to the mortgage company and applied for a forbearance and then a modification. In 2020 I was approved for the modification. I have submitted all the docs and my modification has been recorded in public records. I am making the modified payment however the mortgage company is still reporting my payment as late and still showing the account in default on my credit report. I have tried reaching out to the mortgage company to correct the status of my account but not getting an answer as to why my account is still in collection status. Please help

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 2015-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have flawless credit except one negative mark from XXXX 2013. BofA has sold my loan since then and I am looking to buy my second house but they wo n't remove this blemish. This was my only late in 7 years. I have disputed until I could n't dispute anymore and even contacted them directly. No luck. Can you help please?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been trying to get a income driven repayment plan thru Navient for over a year now and I have sent in all the paperwork and Prof of income multiple times to a fax number given to me by a navient service representative. And they have misplaced it more than once. They keep putting me on a deferment each time I call to check the status of my application which gathers interest and yet they keep telling me it has n't been processed. But when I called today XX/XX/2017 they told me it was denied in XXXX because they miss placed my income papers and I have been in contact more than once since XXXX and was never told it was denied and each time I get put on a deference. No emails calls or letter were received telling me it was denied. Just call harassing me about my payment being late. Now they are asking for more than {$400.00} a month for payments when they misplaced my paper work and ignored all of my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Checking account with Bank of America was debited for XXXX transactions that came from an expired billing agreement with a fitness center. The billing agreement lapsed and the company has no right to bill me. Bank of America has tacked on numerous fees after I was unable to reach anyone at Bank of America to dispute the transactions. The transactions which caused these issues are not valid and as such, the penalty fees are not either. I dispute the validity of the negative balance and challenge the debt as invalid.

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