BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-04
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
his letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Experian Information Solutions Inc.
State: FL
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 discussed these accounts several times and still have not received any answers, this has affected my credit 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 2016-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received notices from Bank of America that I opened a checking and savings account at the Bank. The following day, I received mail that the Bank closed the newly opened accounts immediately. I never applied to open these accounts at Bank of America. When I visited the branch location on XXXX XXXX XXXX, XXXX, MA today to discuss this issue, XXXX XXXX, Personal Banker of BoA, informed me that my SSN was used to open these accounts. I am a victim of identity theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
INCORRECTLY CONTRIBUTED FALSE & FRAUDELENT INFORMATION BANK OF AMERICA NA BANK OF AMERICA incorrectly closed my checking account under inaccurate & false pretenses despite reporting unauthorized transactions being made on my account to a representative. As a result Bank Of America closed my account for cause instead of properly handling my fraud claim. Furthermore, future attempts to follow up on such issue has been mediocre and disregarded by the bank. Not only did they disregard or not properly handle my fraud claim, they proceeded to allow the unauthorized account access & transactions to be posted to my account. On top of that, Bank of America did not allow me to visit a branch or speak to representative in person without assessing a fee for such a service, which is extremely unfair. Despite the unauthorized use of my account and being victimized by fraud, bank of America proceeded to close my account right away with a loss which I ended up paying for being deceived by a representative that it would correct the issue. This was not the case, and bank of America and its employees refused to disclose to me information about my account, including the reason for closure & failed to investigate the situation properly. I did not find out the reason until I was researching my consumer reports. This type of behavior is unfair, deceptive and predatory. It is my belief that bank of America acted in an unlawful way when closing my account in reference to UDAAP & also discriminated against me for my gender, age, race and income which has injured me financially and economically.

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 2021-01-04
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: Account status incorrect

Complaint:
My car loan was paid off in full. Instead of it reflecting that XXXX only put XXXX balance instead of showing my car was paid off this lowered my credit and cause due harm of negative marketing as well as lowered scores which cause me not to get approval for other car loans.

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 2015-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Hello, I am victim of ID Theft. I have notified my craditor which is Bank of America, cash rewards platinum visa credit card and made sure all the documents were sent in properly through certified mail. I have been authorized the n payments of XXXX dollars in month of XXXX, XXXX and XXXX which was posted to my account as of now ending in XXXX. I made sure I check with the bank after 8 days to make sure thry have revived the payments and they confirmed. Then suddenly thr funds were transferred back to unknown or old account whixh was closed due to IDTheft. Since then I have asked them to send me a new card and they have held my card up. They have said they sent XXXX cards but I have inquired about both of those which they never mailed out to me. Then I was told that if was waiting approval bur for what? I have been member since 2009 and had a excellent payment history. Holding my credit card whixh was made avai to me is a credit discrimination with the IDTheft victim. I was then told you will revive your card in 3 to 7 Bussiness days but never recited it. I am constantly paying the payments on the card on date we both agreed upon but I am not having the previalage to have my card avail for me to use. This is no coincidence that once I had disputed those amounts and pointed out lack of communication within department and how security of a member is been secured their authenticity is challenged. On order to defend their respective concerns they have held my card so I ca n't use or make future references which can make their side look bad. I would love to sue them for not sending my card and violating my rights as they ca n't just cancel or take my card once I am I 'd theft victim and then I have excellent paayent history. Thus they have to reimburse me for the discomfort thry have caused me by doing such actions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Account # : XXXX Loan # : XXXX This was a private loan that I received to attend to a XXXX college ( XXXX ). The school is now closed and I am requesting that Navient discharge this loan under " closed school discharge '' program.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Rewards

Complaint:
After logging on to my Bank of America Credit Card site ( XXXX XXXX, 2015 ), I saw that there was a message from Bank of America. The message stated that they were voiding and removing any of my Reward Points from my Elite Reward Program as of XXXX XXXX, 2015. I called the Bank of America to investigate. I was told that they sent a message to me in XXXX and that there was nothing that they would do to reinstate my Reward Points. I asked how they could do such an amoral action? I was informed that they agreed with me that it was wrong, but that it was a corporate action. The total value of my collected points was about {$700.00}. I was going to use this to buy airline tickets to my wife 's family for XXXX. Ahh!!!!! This is just not right. I have played by the rules my whole life regarding paying my bills and saving {$.00} Please help and let others know that their points have been robbed. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I want to make CFPB aware of another issue with Navient that has troubled me - they make it extremely difficult to find out how your payment is allocated - interest and principle - declining balance. Every other lender I know shows your prior statement balance, your payments made, how much went to interest and to principle, and then ending balance. In this way you can see if, for example, your minimum payment of {$750.00} on your student loan payment, only pays down your principle by {$79.00} dollars with the rest going to interest. My loans are consolidated with them, and I have previously raised this issue with customer service, and they had no answer other than the website was being redesigned ( this was over a year ago ). I have figured out how to do this manually, but the average student loan payer will not go to the trouble. You have to go to their " archived '' old site, then to your emails ( all my communication is electronic ), then gather your monthly statements, then write down your prior balance, payments, interest and principle, and manually review the declining balance. This is how I figured out that on many months only a tiny % of my large payment was going to principle. This to me is a very deceitful way to do business - by making it so difficult to understand the declining balance, and thus how much you are actually paying off without manually tracking it, they are encouraging everyone to remain in huge debt as long as possible. They should be made to put this on the main page of the borrowers ' loan balances - they already have the payment amounts, it would take very little programming to add this. It seems as if Navient is purposely omitting this information to keep borrowers on the hook for as long as possible since if people knew they only had a small amount going to principle they would be motivated to pay their loans off sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I tried to get a loan modification from BOA for 4 years. I sent documentation over and over and they kept asking for the same papers over and over. In 2013 BOA informed me that it made a claim for payment on the FHA mortgage insurance. My mortgage was sold to FHA, then to a different company. I was instructed to continue negotiating with the new servicing company. Well ... BOA still convinced a judge to send my property to the auction bloc. Isn ' t that fraud? trying to steal someone 's house after claiming insurance money from FHA?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: EQUIFAX, INC.
State: NY
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:
XXXX, XXXX, AND EQUIFAX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: GUARANTEED RATE INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I would like file an official complaint about the delays I experienced while working with GaranteedRate.com whe ; attempting to refinance/consolidation of my 2 mortgages loans with XXXX  XXXX XXXX & XXXX XXXX. I started the refinance process in mid XXXX of 2020 with GuaranteedRate.com and didnt close until mid XX/XX/2020. I provided Guranteedrate.com with all the required documentation such as paystub, W2s and bank statements on the very same day that Guaranteedrate.com asked for them on XXXX XXXX. I specifically want to file a complaint about lack responses from XXXX XXXX and XXXX XXXX. Their lack of follow up and limited knowledge of their own business led to me pay interest to 2 mortgages XXXX XXXX XXXX XXXX XXXX  XXXX for a longer period of time that what I should have. This money should have been applied to my new refinanced loan. XXXX failed to respond to emails and weeks went by in XXXX & XXXX of 2020 without me hearing from XXXX at all. Out of the blue, XXXX XXXX contacted me in early XXXX, she asked for paystubs, W2s and bank statements which I had already provided to guaranteed rate on XXXX XXXX. XXXX was clueless to the fact that I had already been working w XXXX for the previous 6-8 weeks. With a lack of progression on my refinance, I finally had to elevated to VP XXXX XXXX in mid XXXX. When XXXX contacted me, he apologized and offered no explanation other than he accepted responsibility than his team dropped the Ball on my refinance. I expressed to XXXX that these delays would cost me extra interest on my loans and I would never be able to recovered by me. XXXX completely agreed with me and he understood why I was upset. XXXX had XXXX XXXX assigned my refinance and she was very helpful and on top of it as she communicated with me regularly. XXXX XXXX who worked with me from the start to finish on this refinance, was an absolute professional and a pleasure to work with. 

For these reasons stated above, I would like to be reimbursed directly for extra interest I had to pay to XXXX  XXXX XXXX and XXXX XXXX  in the month of XXXX & XXXX as this should been avoided & paid to my new mortgage and not the 2 mortgages that I was getting rid of. XXXX  & XXXX XXXX  calculated the interest listed below. Please contact me with a resolution ASAP. -XXXX  XXXX XXXX XXXX  XXXX XXXX {$280.00} XXXX XXXX - {$82.00} XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXX-XX/XX/XXXX2020 - {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: CITIBANK, N.A.
State: RI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
What happened? In XXXX suspicious communications from XXXX and XXXX appeared on XXXX XXXX XXXX, A user agreement was suppose to be provided placing each student on XXXX under super-vision of XXXX Describe what happened, and well send your comments to the companies involved. : XXXX  XXXX, XXXX, XXXX XXXX XXXX and XXXX did not offer to be that they were involved in the XXXX XXXX XXXX XXXX filming about MECN which published my identity Without consent, These types of Personal Health Violations have caused me XXXX XXXX XXXX XXXX XXXX XXXX have been published with XXXX XXXX and XXXX XXXX, As a XXXX XXXX  Climber I was forced to rescue a potential infant from a potential burning building flight XXXX Floor where I had to Climb the building with my hands and feet which are now XXXX after being beaten by the companies who have posted this continuous fraudulent records without my consent, I was separated from XXXX  Related Judge because I was A victim of XXXX XXXX, companies opened accounts with my name ( Fraud ) without my consent XXXX times Include dates, XX/XX/XXXX Total : XXXX XXXX XXXX XXXX XXXX : FTC XX/XX/XXXX Total : {$68000.00} XX/XX/XXXX Total : {$2400.00} XX/XX/XXXX Total : {$8000.00} Total Estimate : {$78000.00} Filming : XXXX Suspect : XXXX XXXX XXXXXXXX

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 2021-01-04
Company: RentDebt Automated Collections, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Rent Debt Automated Collections contacted my niece who contacted me the week of XX/XX/2020. Apartment complex left a note on my door in XXXX of 2020 stating 60 day notice needed to be given if you intended to leave at the end of the lease XX/XX/2020. I spoke with someone in the leasing office who stated I only needed to submit a 30 day notice, I did however still e-mail ( in XXXX ). I turned in keys ( XXXX or XXXX ) and spoke with leasing office who stated no monies was owed. 5 month later I received a call from a debtor stating I owed XXXX XXXX in XXXX, MI {$850.00} but could not give an explanation of what the balance was for. I also never received any prior phone calls/e-mails/letters from XXXX XXXX  or the Collection Agency ( Rent Debt Automated Collections ) in regards to the debt. I made several attempts to reach out to XXXX XXXX but no one will call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
CREDIT CARD WAS PAID OFF. 
THEY SHOULD PROVIDE STATEMENT TO JUSTIFY THEIR CLAIM.

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 2016-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Account opening, closing, or management

Complaint:
To whom it may concern, This is a second time I submitted a complaint for BofA on this forum for not cashing a payroll check. The first was last year, case XXXX. 
At that time, BofA replied with a letter saying they are required to cash payroll checks as long as the account has funds and I have a government issued picture Id. From that time forward, most of the branches would cash the payroll with some occasions where the branches would NOT and I would call the BofA corporate office to resolve issue for a few more months. 
This is now the 3rd or 4 time I have to call the corporate offices over the year and it is getting tiring. 
Today was the day I decides to open another complaint here for the same issue since I was denied again at the XXXX NJ BofA branch by manager XXXX XXXX. 
I will ask again, as long as the account has funds and I present correct ID, what other reasons can a Payroll check not be cashed at the bank it is drawn against? 

With kind regards, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXXXXXX NJ

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 2016-05-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
XXXX bought this debt from synchrony bank / Sams club. I have paid the account with them.

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 2021-01-04
Company: Trident Asset Management, L.L.C.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Trident Access Management was sent a letter from me requesting debt validation for account # XXXX ; along with a contract between them and me. They returned a contract between an original creditor who never informed me that the debt nor my personal information was being sold. There is no contract with my signature on it between myself and them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
As of yesterday, I am XXXX months behind on my private student loans payments through Navient, formerly through XXXX XXXX. They are calling me XXXX times a day. I work a full time and a part time job. But I have XXXX children and am going through a divorce so money is very tight. I have to take care of our immediate physical needs before I pay this predatory loan than is accruing interest at a staggering pace. Private loans also do not offer the same programs that Federal Loans do, so there is no chance of an income based repayment or other options that I could qualify for. Please make them stop calling so much. I 'm trying to work and make money. When I see them calling every hour, it 's a distraction and it 's heartbreaking.

Company response to consumer: Closed with explanation