BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
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 a late fee for " nonpayment '' of a {$0.00} ( XXXX ) dollar bill due on XX/XX/2020. 

My monthly payment occurs on the XXXX, and I have autopay set up. On XX/XX/2020 a " Late fee for payment due '' of {$25.00} was charged against my account. 

I have attempted to contact BofA, but they have no way to contact them reasonably. There is no way to contact them online while logged into my online banking account, they do not have chat, they do not respond to twitter, and the phone lines were projecting almost 2 hours of hold time.

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 2017-04-21
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity fraud. Since  XXXX   XXXX ,  Fair Collections and Outsourcing  has filed a collection account in the amount of {$15000.00} against my credit report. I do not own this account nor do I owe any money to their client   XXXX   XXXX   XXXX  . To support this statement I 've obtained a letter from their client which state s 1 ) that they do not have any records of my living in their apartment community on the dates that Fair Collections and Outsourcing claim ; 2 )  that they do not show me as owing any balance to their company ; and  3  ) that they have not initiated any collection proceedings in order to collect any debt from me. In  XXXX   XXXX , I took all supporting documentation, including this letter, to the  XXXX   XXXX  Police Department located in Maryland. Upon reviewing this documentation, the police have concluded that I am a victim of identity theft. I 've since shared a copy of this police report with the  Fair Collections and Outsourcing  agency, yet they continue to try and collect this fraudulent account. In speaking with their representatives, I am treated in a very rude and disrespectful manner. On many occassions, I have been hung up on and refused service when I insist on escalating this matter to higher management. Today,  XXXX   XXXX   XXXX ,  XXXX   XXXX  told me " I will not be transferring your call to  my manager ;  your account has been validated by our client. '' When I asked for the contact information for their client to have this issue resolved I was refused this information. I 've also asked to speak with their Compliance department which handles the removal of this account from my credit report and again I was denied access to speak to this department. In addition to this complaint, I have also filed a complaint with the Better Business Bureau of Maryland and  XXXX . Attached please find the above referenced police report and assist me in my dispute to have this account removed from 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 2022-08-04
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
This account ( US Dept Vets - XXXX ) was paid in full on XX/XX/2020 in the amount of {$610.00} and this account was supposed to be REMOVED from all reporting agencies after payment! Yet XXXX, XXXX and TransUnion continue to report this account as an OPEN, Past Due Collection account after almost a year of being paid satisfactorily! This account is NOT supposed to be reporting! I've mailed in several dispute letters requesting the account to be deleted and its still reporting and inaccurately at that!

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 2017-04-19
Company: Navient Solutions, LLC.
State: IA
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 was not made aware of the fact I 'd need to reapply for the IBR plan and have therefore paid over {$400.00} more each month than I was last year. I 've begun the process of reapplying but I am unable to upload any information electronically because of Navient 's inability to process tax information and therefore can expect a minimum of another 2 months before my application is accepted. By the time all is said and done, I will have paid over {$2000.00} as a result of lack of communication, maliciousness, and/or incompetence on the part of Navient. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Experian.com deceptively enrolled me for a recurring membership, that charged me over {$20.00} a month. I never knowingly signed up for it, and this has left me with a VERY bad impression of Experian 's practices. I 'm surprised this is legal.

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 2017-04-21
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Last week (   XXXX   ), I called  Sallie Mae t o get a  XXXX  pay off statement to apply to refinance my loans with someone else.  XXXX  days before, the pay-out from a different company we 've refied with was placed in my account, so they are aware I 'm trying to re-fi at least some of my loans. My interest rates are outrageous, and I can not afford them much longer. The customer service rep put the request in and mentioned that because of the long weekend  (   XXXX  Friday ) it might take longer than the usual  XXXX  business days, which is fine. I never got the pay-off statement, so I called again last night. While a note had been made on my account, it did n't state how many days I needed nor had the request been filled. Now I have to wait  XXXX   XXXX  business days for the statement to finish my re-fi application. My goal was to have  XXXX  of my loans re-fied by the time my next payment was due, but now because of this, it will not happen. I firmly believ e Sallie Mae i s holding up my paperwork so I ca n't re-finance my loans. I went to  XXXX   XXXX   XXXX .

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
My home and cell phone numbers have been on do not call list for almost a decade and we have held those numbers for many years longer. All of our numbers also identify us by name when calls go into voicemail. A gentleman by the name of XXXX XXXX with Mercantile Adjustment Bureau has been calling our numbers for at least the last 4-5 years and leaving message about the debts of people we do not know, most recently one he identifies as XXXX XXXX. I have repeatedly told XXXX we 're on the do not call list and debt free and that he is calling us and leaving us messages even though he clearly knows by the ID that we are not the debtor ( s ) name that he is calling about, I have filed complaints about this company with the do not call list and this appears to be useless, since I gather debt collectors are not among those they have jurisdiction over and exempt from their lists. I 'm hoping perhaps that the XXXX could take this on as a case? I believe this is clear case of consumer harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
A collection was deleted from my report, and was reinserted without my knowledge.

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 2019-11-20
Company: JPMORGAN CHASE & CO.
State: CA
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:
JPMCB CARD Bank Credit Cards XX/XX/2018 I noticed this credit inquiry run on my report which I did not authorize. Can I please have it removed. I would also like proof of documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Wells Fargo is threatening to close my account if I do not walk in the branch and show them my Identification.

Keep in mind this threat was made before the account was even open. 

They understood that I did not complete the application process. Then sent me welcome letters 2 days later after the threat. 

On Tuesday XX/XX/XXXX XXXX pm Welcome, XXXX XXXX Thanks for choosing Wells Fargo. Here are ways to get money into your new checking account. 



On Thursday XX/XX/XXXX XXXX Wells Fargo performs ongoing reviews of its account relationships in connection with the Banks responsibilities to manage risks in its banking operations. We recently reviewed your account relationship and, as a result of this review, we will be closing your above referenced accounts because information provided when the account was opened is inconsistent with internal and public records. The accounts are expected to close by XX/XX/22. Please note that the Bank reserves the right to close the accounts sooner if circumstances arise that warrant an earlier closing. 

Seems like their is some sort of discrimination going on here. I do need to speak to corporate and all parties responsible for inaccurate reporting will be sued. 



Before my account was even open rep told me that she would be blocking all incoming deposits. How would they be able to do that if my account wasnt open in the first place so thats why they rushed to send me the welcome letter just to block the account

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 2020-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Due to Covid 19, my job laid me off and at the time I was laid off I didnt have any income coming in, so I couldnt pay my bills, so at that time they didnt supposed to report that on your credit, I reach out to them and I sent them a letter stating that I had a hardship and they still reported it on my credit, so I really need this move off of my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-15
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Jet Blue Business card through Barclays Problem # 1 : Barclays introduced a new platform in XXXX 2021. Since that time I have not been able to set up on-line access to manage the business credit card. I have spoken to at least 50 representatives including the domestic security department, with no resolution. They are now asking me fax my driver 's license, social security card, and another form of identification. The last fax they provided went to an XXXX office. I have had the business card for over 5 years, they have all of my information from the original application process and I do not feel it is a secure way to conduct business. Each call to a representative occupies +/- 2 hrs., the entire situation has to be re-hashed with each rep. I have case # s and technical INC # 's and still no resolution. 

Problem # 2 : A XXXX refund was returned to the business account on XX/XX/2021. It has never been credited to the card. I was told I needed to file a claim with the dispute department. I submitted all of the requested information onXX/XX/XXXX. I am now being that since the original charge was XXXX XXXX the claim is too old and there is nothing they can do. I have called multiple times with the claim # and still no 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 2017-04-13
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My XXXX home loan was just sold to SLS in XX/XX/2017 while in the process of trying to obtain a loan modification. SLS demand the same loan modification documentation again which have been provided on numerous occassions. Last week I received a threatening foreclosure notice from SLS while my loan modification review is still pending. SLS is not allowed under federal law to engage in dual tracking - which is beginning foreclosure proceedings while at the same time processing a loan modification request. I have called them to complain but received the run around. They have a horrible customer service. SLS has refused to abide by the CFPB 's new guidelines and failed to bring its system for processing loan modification applications into compliance.

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2017-04-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
A few years ago I contact ed Citi bank  regardi ng my sears cr edit card account and inform them I will like to dispute the balance on my account because I 've been paying for this account for years and the balance has n't changed. If anything it has increased exponentially.   I also advised citi to not contact me by phone and and requested any sort of correspondence should be done via mail. Needles to say they completely disregarded my request and kept calling me and NEVER validated my balance or submit to me my request of original application for this account and the original Terms and Conditions. I keep paying on this account even though my request went on deaf ears. About a year or so ago I contacted them again and requested the interest rate on this account reduced so that when I make payments on the account it will actually help reduce the balance owed .... that request was n't honored. I then again requested a validation of this debt. Months went by and I never heard from citi again. As far as I 'm concerned they have violated the CFPB laws,  Udap, Fcra a nd multiple rules with respect to honoring my demands. Due to citis violations of these rules I am requesting that this account should be closed and deleted from my credit reports.     XXXX   XXXX   XXXX   also called me and mailed me with regards to this dey stat ing Citi sold t he account to them. I explained to the representative that this account should be closed and deleted from my credit reports due to Citis violations. The rep advised they will not be doing such thing. The rep then proceed to offer me a settlement offer, completely ignoring my demands. This collection agency has a horrible reputation for strongarming customers into paying disputed debts. I am her by asking this debt to should be closed and deleted from my credit report. I will be forced to hire a legal professional to assist me with the matter if citi and   XXXX   XXXX   refuses this request.   Thank you

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 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX XXXX XXXX XXXX {$1100.00} {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$700.00} {$0.00} XXXX XXXX XXXX  {$0.00} XXXX / XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2500.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$700.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} {$0.00} 15 U.S.C. 1681 section 602A states that I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

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 2022-05-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: Ascendium Education Group
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have been declared completely XXXX and have been cleared to have my student loans discharged. Ascendium Education Group garnished over 1,300 $ from my XXXX while i was in the process of getting this done. They refunded XXXX $ of the money they took but are refusing to refund the rest of my funds. I have contacted them several times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello CFPB, My name is  XXXX   XXXX  and  XXXX   XXXX  and this is my story/complaint. Late last year in   XXXX   XXXX   XXXX     I was offered a permanent loan modification for my mortgage with servicer being Ocwen loan servicing. They  ( Ocwen )  failed to communicate with me that the permanent loan modification paperwork was missing a signature on  one  of the pages. I did not know that the permanent loan paperwork was missing signatures as I thought I had signed all necessary pages. I mailed the permanent loan modification on   XXXX   XXXX   XXXX   XXXX   I NEVER received any type of communication from  Ocwen  that a signature was missing for over 2 months. Had I known, I would have signed and sent back immediately. In  XXXX , I receive a letter that said I was denied the loan modification and the first payment was sent back to me. All  Ocwen  had to do was to give me a call or send me a letter stating the problem. I even spoke with a customer service representative and she clearly stated that there were no indication that a letter was mailed or a phone call was made to me to let me know that signature was missing. Not only am I behind on my mortgage now they are not willing to give me any type of loan modification after I had re-submitted for a loan modification. I understand that I failed to signed in the proper place, but the fact that  Ocwen  NEVER communicated either by phone or by to correct the simple error of not realizing that I had missed sign one of the pages. They had 2 month to communicate this and they did not. I believed they have to be hold accountable to not communicating of the mistake to take action and correct it. Now here I am facing foreclosure for something that could have been taken care of so easily. I have a conventional and now I have lost the opportunity to apply for HAMP. This has caused me great unnecessary stress in which now they are saying that my only option is either short sale or deed in luau. I can afford this property if they give me a loan mod. Your help in this matter is greatly appreciate it. Thank you for your help.

Company response to consumer: Closed with explanation