BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/2021 I mailed in a dispute certified mail to Experian that was received on XX/XX/2021 at XXXX XXXX  confirmed by certified mail tracking number ( XXXX XXXX XXXX XXXX XXXX ). 

In this dispute Experian was put on notice that items that were being furnished were the result of IDENTITY THEFT see FTC Report # XXXX I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. 

I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file Pursuant to 15 U.S. Code 1681c2 ( a ) : US DEPT OF EDXXXX US DEPT OF EDXXXX XXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XX/XX/2021 Experian has not complied with 15 U.S. Code 1681c2 ( a ) which puts them in VIOLATION of this Law.

Block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act.

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 2015-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I sold my home on XXXX XXXX on a short sale. I called Bank of America several times after XXXX XXXX, 2015 to report that my bank account was showing that the loan was still owing and that a payment would draft on XXXX/XXXX/15. I was told repeatedly that everything was fine and that would n't happen. On XXXX/XXXX/15, the payment did come out of my bank account. I called immediately and was directed to my " case manager '' in the short sale process. She is the same person I had tried to get ahold of for weeks but kept getting to someone else. I did speak to her. She could not see the payment since it would post the next day for her to see. She scheduled an appointment with my for the next morning, XXXX/XXXX/15, at XXXX PST to call me. She never called. I called her several times to no avail. And as of XXXX/XXXX/15, her department no longer has voicemail. I finally talked to whoever answered the phone and asked for a manager. All of the managers were in meetings or sick or on vacation. I had to speak to a supervisor or something. However, he was not available. He did have voicemail. I left a message for XXXX XXXX and have never received a call back. Today is XXXX XXXX. So, I have had no calls returned in 12 days and my money has not been returned. I tried to go into my branch on XXXX XXXX also. The manager there tried to help, but ran into the same issues I did with finding someone who could help. After a week, she left me a voicemail saying she had finally spoken to someone and that they were working on it. That was XXXX XXXX. Today, XXXX XXXX, I tried to call XXXX again, my " case manager. '' Of course, someone else answered the phone, XXXX. XXXX could n't help me so he transferred me to XXXX in the loan modification department. XXXX could not help me either and had to transfer me to customer service. I was just on hold for 30 minutes with XXXX transferring me and now the phone hung up. So, I am at the end of my rope. I can not be on hold any longer. I am trying to move out of the property at this moment and ca n't waste hours a day getting transferred all over bank of America and still not get any help. Supposedly, the EFT transfer for future months was finally cancelled when I spoke to bank of America on XXXX, however, XXXX told me today that another payment is scheduled for XXXX XXXX. 
There was also a payment taken out on XXXX XXXX that perhaps should n't have been either. The pay off amount was calculated previously. I may have now overpaid by XXXX payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
My name is XXXX XXXX I had a 5.9 % fixed interest rate on my credit card before Bank of America bought it out. The 5.9 % fixed rate carried over when Bank of America took over until recently they changed me to a higher and variable rate without my consent and for no other reason. I have great credit. 
PS When I first spoke to a representative about this he stated that my rate had changed due to Government rate changes. This is when I knew that I no longer had the fixed rate. I then asked if there were any one receiving a fixed rate and there are. Therefore I requested that my rate be changed back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Two things ... I was never advised I had the option to apply for the release of my cosigner. I was eligible, too, but I was never advised that option existed. I admit there might have been some ignorance on my end, in that I just assumed a cosigner was stuck with the loan for life like I was, but this information was never promulgated to me from the Second, after I applied and was granted graduated income repayment status in XX/XX/XXXX and XX/XX/XXXX for all loans ( federal and private ), I was never advised that the payments for the private loan would only be allocated to the interest and nothing to the principle. I just learned I owe MORE now on that loan than the principle disbursement in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Florida Financial Management dba Lend A Dollar
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was told my loan was approved. I filled out payment information and signed e checks on the site. I was then denied and discriminated against by XXXX ( higher management ). If I am charged illegally on my bank account I will be reporting them for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was removed from my credit months ago and has reappeared. 

I need this removed immediately, I don not owe this debit and it is affecting me from moving in to a new apartment and buying my family a house. 


I will attach screenshots of when this debt was removed.

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 2020-06-08
Company: Social Finance, Inc.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
When I set up my account at SoFi money, there was a promotion to receive 5 % back on purchases made with the SoFi debit card within the first 60 days. 

I made a purchase on XX/XX/XXXX for {$1000.00} using my SoFi debit card. 

However, I don't see the 5 % back. When I contacted the bank, I was told the promotion was changed after I signed up for the account. 

This is a gross violation of the terms under which I opened the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery Associates ( PRA ), was served with demand for verification of debt via certified mail # XXXX, confirmed received by PRA XX/XX/XXXX, to legally validate their collection claim, no response. XX/XX/XXXX a XXXX written request to PRA demanding verification was sent, no response. On XX/XX/XXXX a XXXX written demand to verify alleged debt sent to PRA, no response. To date, PRA has been non-responsive in validating alleged debt and has continued to negatively report this alleged debt on all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company calls for a person with same last name as mine, but different name. I do not know the person they call fo. It is not me. 

I have repeatedly asked them to stop calling. They will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I mailed in a dispute certified mail to TransUnion that was received on XX/XX/XXXX at XXXX am confirmed by certified mail tracking number ( XXXX XXXX XXXX XXXX XXXX ). 

In this dispute TransUnion was put on notice that items that were being furnished were the result of IDENTITY THEFT see FTC Report # XXXX I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. 

I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file Pursuant to 15 U.S. Code 1681c2 ( a ) : XXXX FUNDING XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX As of XX/XX/XXXX TransUnion has not complied with 15 U.S. Code 1681c2 ( a ) which puts them in VIOLATION of this Law.

Block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act.

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 2016-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had a bank account with Bank of America I made a mistake and deposited a check I wrote out into my own account instead of my partners account I expected to receive a check from a job I did the day after and I ended up going to jail on traffic code violations so I didnt have the opportunity to deposit the money into the account when I came out of jail and I realized my account had been closed I looked for any letter pertaining to this matter and didnt find anything I called BOA and they didnt give me any info they stated that It was fraudelant and treated me horrible over the phone now I tried to open a bank account at a different financial institution-bank and I was denied because of the words used as FRAUD I never commited any fraud I do not have any sort of criminal records I work for the US DEPARTMENT OF LABOR and I have even passed the usa back ground check similiar to the military back ground check so please help me get this matter resolved I am willing to pay boa but I want the XXXX removed

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 2016-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have a mortgage loan which is interest only and the balance is {$700000.00}. The interest rate is 5.75 and since the real estate market crash of XX/XX/XXXX/XX/XX/XXXX I have been trying to get it refinanced to the much lower rates that mortgages have been at since then. My mortgage lender is Bank of America. Everytime I have asked them to refinance the loan, they say that my debt/income ratio is high and they can not do it. 

That is ridicules since for the past 9 years I have been able to make my payments at 5.75 % rate and they tell me that I do n't qualify to make the payments at 3 to 3.5 % rates. 

Of course by delaying this matter for years they have benefited nicely by collecting 5.75 % on a good size mortgage.

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 2016-09-09
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
For over a year, I 've been getting a call every 2 months from Navient saying that my loans are past due. the first time I called with concern because my loans have always been auto payed to them. how can I be past due when they keep taking my money every month?! after being transfered to mulitple departments they finally " find the issue '' we set up a new payment schedule and I think we are all set, but they call the next month or so with the same song and dance. I 've tried to resolve this issue many times. I 've been patient with them but my patients are running thin. they are now calling my retired parents saying that I am not paying my loans and that they are going to send me to collections. I 'm getting multiple calls a day, sometimes every hour. they are harassing me. my loans are getting hit with additional fees and interest and when I call them to explain my issue they treat me like I 'm wrong and trying to avoid paying them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-26
Company: CITIZENS FINANCIAL GROUP, 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: Information belongs to someone else

Complaint:
On XXXX, a mortgage loan officer who was pulling my credit report for a mortgage refinance from my bank informed me that there was an overdue credit line showing up on my credit report. I promptly pulled my credit reports and noted on the XXXX Report that there was a Citizens One Line of Credit that showed as opened on XXXX and was noted as 120 days past due ( as of Date Reported XXXX ) for the amount of {$490.00}. As I had not ever had or opened an account with Citizens One Bank, I reported this identity theft issue to my identity theft insurance XXXX, XXXX XXXX. They assigned a restoration XXXX ( XXXX XXXX ) with XXXX who has been attempting to assist me in contacting Citizens Bank/Citizen One Bank to report this identity theft. Both myself and my restoration XXXX have been unable to make contact with anyone in XXXXitizens One/Citizens Bank 's fraud division for almost 2 months as EVERY time we attempt to call the number provided for the fraud department, we receive a voice mail message informing us " Thank you for calling Citizens ID Theft hotline, due to increased volumes, we are unable to answer your call. '' The restoration XXXX I am working with connected me with the bank 's customer service line but b/c this account is now old/likely charged off, they were unable to assist and were also unable to transfer us to the fraud department. In addition, my restoration XXXX provided me with an email address of a department within Citizens Bank who he had had working with another of his clients who had an open case with Citizens Bank : XXXX. He suggested that I send an email requesting assistance in reporting identity theft : I emailed that address on XXXX and never received a response. I would really appreciate someone from Citizens One/Citizens Bank being able to handle a report of identity theft so that I can have this fraudulent credit line expunged from my credit report. There is absolutely no excuse for someone to not be able to report id theft to a bank but Citizen 's Bank is really working hard to make that impossible. 
After doing internet searches on issues with Citizens One Bank/Citizens Bank , I believe that someone opened an XXXX XXXX XXXX All Access account using my social security number and it appears that the only way you can open one of those accounts is through applying for a credit line through Citizens One Bank through various retailers- there is no traceability in this type of purchase. I highly suspect that this type of arrangement with XXXX and Citizens One Bank will exacerbate id theft going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: NV
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:
Ive been reported late from my mortgage co for the second time now. I originally reported and disputed on XX/XX/XXXX. XX/XX/XXXX, I recevied they reported my mortgage late again when the mortgage has never been late and has been paid off ... .I disputed the first time and they reported again, this has cause me being unable to purchase a home. This has cause me not being about to purchase my new home and caused my score to decrese significantlly. I attached the letter they sent from the XX/XX/2020 reporting but they reported me late again on XX/XX/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 2021-12-26
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase XXXX # XXXX At XXXX PM I signed in to my coinbase account. This was quickly followed by a purchase of {$7.00} in XXXX as well as sending of my current holding {$1200.00} of XXXX ; both unauthorized.This was not known by me. I made purchases of {$300.00} in ethereum and {$300.00} in bitcoin.When I pulled up the assets page my {$1200.00} in ethereum had disappeared! I immediately attempted to contact coinbase by phone and email. The phone call was put on hold until XXXX PM then mercifully disconnected- the atrocious violin music on a loop was unbearable. A second call was made at XXXX and the hold time led to a conversation with a human reading a script. The people answering their phones were professional. 
Subsequent phone calls were handled professionally. 
I did not buy the {$7.00} and did not authorize the sending of {$1200.00} to ethereum account XXXX by Coinbase 6. The owner of this account is in possession of stolen goods. 
Using etherscan I was able to see this account at the time was loaded with {$110000.00} worth of crypto of which {>= $1,000,000} was in ethereum. I wonder how much of this was accumulated in The same fashion.Checking the transaction history on the etherscan site shows several transactions from different coinbase numbers and of course one must wonder how much was unauthorized. Perhaps coinbase could cross check other customer issues that ended up with Transfers to account XXXX. The result of such an investigation might provide coinbase with an unpleasant surprise. 
Previous to signing in that night I had no problems. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: SLM CORPORATION
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I got a student loan from Sallie Mae. I went to school and graduated XX/XX/2014. I moved to Texas and was unable to find a job outside the service industry. Waiting tables was not easy nor did it provide a huge income. My student loan payback was asking more that {$400.00} a month to repay. When I called to ask if there was something I could do about repayment plans they said I had to pay that amount. I talked to my grandma who luckily was able to help me with payments. I called again and asked again to speak with someone in lowering my payments. They told me I had to let my loan go into default ( make no payment for 2 months ) to be eligible for a repayment decrease. I did what they told me because they said it would no affect my credit and when I did that I called again and said it would affect my credit. Although my payments decreased they said it would extend my loan for so many years. I felt like I had no other option but to do that not knowing I would nearly three time in interest. For the life of my loan. I felt cheated and lied to the whole time I was communicating with these people. Anyone going to college I always tell them not to get loans through sallie Mae.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation