BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-01
Company: Autovest, L.L.C.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
AUTOVEST/ XXXX XXXX XXXX FILED A LAWSUIT AGAINST MYSELF XX/XX/XXXX AFTER PURCHASING MY AUTO RE-POSESSION DEBT FROM XXXX XXXX XXXX WHICH I DEFAULTED ON XX/XX/XXXX- SEVEN YEARS AGO. XXXX XXXX AND MYSELF SETTLED THIS DISPUTE AND AS A RESULT, AUTOVEST DISMISSED THE CASE WITH XXXX COUNTY XX/XX/XXXX. NOW AUTOVEST IS TRYING TO PERSUE THIS CLOSED ACCOUNT THAT HAS BEEN SETTLED AGAIN. I HAVE ATTACHED THE LETTER FROM AUTOVEST ATTEMPTING TO PERSUE THIS CLOSED COLLECTION, AS WELL AS THE SIGNED MOTION FOR DISMISSAL OF CASE WITHOUT PREJUDICE AND NOTICE OF LAWSUIT THAT WAS GRANTED DISMISSAL ON XX/XX/XXXX. I NEED AUTOVEST TO QUIT PERSUIT IMMEDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Cash payment was made into my business account in order to make purchases for a customer of mine, after three installmental payments from XX/XX/2016 ; then I was at my local Bank of America branch on the XX/XX/2016 to make some initial withdrawal to make purchases, then I realized that my account has been frozen and that there is a fraud hold on my account. I was a given a telephone number to call in order to find out what was going on as the bank teller stated that they do not have any information on the development. 
I called the number, then I was sent back to the branch for more clarifications. On getting to the branch again, I was not given any information apart from what they originally told me that there was a fraud hold on my account. At the branch, I was given another telephone number to call. They gave a name and the department, I was not able to speak with the person as every call I made to this number went to voice mail with the person saying that they were away from their desk. My account was placed on hold for almost three weeks, this hold affected my XXXX business, as I was not able to withdraw any money from the frozen account. All this time there was no communication between me and bank of America as to what was going on with my account. My accounts were closed without any notification, this affected my direct deposit, which in turn affected my mortgage payment, as I was not able to get my salary on time as a result of the account closure. 
Eventually, I got a letter from Bank of America on the XXXX of XXXX stating that they are sending me the money in my closed accounts, however the payment will be short of {$1800.00}, and the explanation given was that the money is not due to me. Also they mentioned financial irregularities in my account without any evidence or proof. As at the time of this letter, I have not been able to have a conversation with the department in charge and I have not received any call back or a letter showing evidence of irregularities. Also, it was mentioned in their letter that I might be reported to XXXX, and XXXX and consequently I might not be able to open account for about 5 years.

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 2020-10-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2020 Wells Fargo place a hold on my check of the amount of XXXX wells Fargo in XXXX Ga I can not release my funds 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 explanation
Consumer complaint received 2022-09-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove these charge-off accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX : {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently obtain a copy of my credit report and notice fraudulent activities. I have provide a copy of my FTC report along with proof of ID.

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 2017-08-30
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX 2017 my credit report was access by XXXX XXXX XXXX for the purposes of mortgage with my consent I however do not agree with the XXXX report that two many enquiries within the last 12 months impacted my score. 
I have not requested for any enquiry or give permission to any financial body to check my credit apart from the one of XXXX/XXXX/2017 in the last 12 months The so called 'TOO MANY ENQUIRIES ' has negatively affected my credit score

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 2015-10-08
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I gave a 30 day notice by fax and calling the apartment comlpex XXXX on the XXXX. 
I have called them and called and there telling they have no record. This has become a very frustrating. I dont know what to do at this point ... sorry but i need help ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
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: Card was charged for something you did not purchase with the card

Complaint:
I was billed for a purchase made on XX/XX/20 ref # XXXX for XXXX from a company that doesn't exist except on the internet called XXXX. I tried contacting XXXX they wouldn't reply. I disputed the charge in XX/XX/20 with Bank of America. They advised me they would not remove charge. I contacted my Attorney General office, XXXX would not reply to them. I want my 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 explanation
Consumer complaint received 2015-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America started charging monthly maintenance fee on checking account based on changed criteria. Earlier to XXXX 2015, BOA used to charge monthly maintenance fee of {$14.00}, if " monthly average balance '' is less than {$1500.00}. Since, XXXX 2015 the bank changed their criteria ie BOA started charging monthly maintenance fee of {$14.00} if single day balance in a month is less than {$1500.00}, even though average monthly balance exceed {$1500.00}. The website, online site clearly mentions maintenance fee will be charged if 'average monthly balance ' during a month is less than {$1500.00}. When you call customer service and complain they give credit on the fee charged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
State: GA
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:
I submitted a complaint with the CFPB XX/XX/2022. It was for the account # XXXX XXXX is falsely reporting I requested it to be removed.Equifax did remove the account as it should have been. I didn't receive a written or email response from Equifax. I'm requesting to receive investigation results of removal of the falsely reporting account in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I consolidated my student loans to Direct Loans in order to qualify for a loan forgiveness program.  Navient was given my Direct  loans. On  X/XX/2017   , I go to make my first payments and I choose to pay the  XXXX   XXXX , a private loan throug h Navient, a nd  XXXX  of the  XXXX  consolidated loans,  XXXX  amounts :  XXXX  $ and  XXXX   . I  go in to pay the other loan and noticed the loan due date did not advance on the student loan I paid.  Navient had  applied both payments to  XXXX  loan. So, I try working with customer service person to get the payments correctly applied. On  X/XX/17   , I pay the other loan according to what is on their website,  XXXX   . T hey apply the payment to the  XXXX  college loans and had reallocated the first payment incorrectly so I showed a delinquency on the training loan. I fe el Navient is at tempting to prevent borrowers from taking advantage of loan forgiveness programs by manipulating payment histories to reflect non-payment. I feel that the application of payments are contrary to what the borrowers believe are being done, by applying them to whatever loans they feel like instead of what the borrower has, causing borrowers great inconvenience and confusion by having to call to get funds reallocated. Furthermore, on the private loan, the associate and the manager treated me like I was willfully trying to get out of paying my payment when I was trying to figure out why amounts I had paid were not properly allocated. I will admit I was annoyed and rude, but it seems my dealings with Navient are constantly at odds based on how they handle payments and them giving me conflicting information on how to reapply for income driven or income based payment options. I feel Navient uses unfair, deceptive and abusive practices with borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX I sent the company a demand for validation for the refereced account The company failed to provide validation and in violation of Sec 809 FDCPA continued to report the account on my crdit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
I went through severe financial hardship after losing my job in XXXX of 2015. Through it all, I continued to pay my credit cards on time and keep up with my payments. In XXXX of 2015, I was forced to move to NY for a new job and start all over again. I had to tap into my savings in order to make the move and keep myself afloat. I also had to financially support my parents at this time as they lost their jobs. To make matters worse, I also re-enrolled to attend school on a fulltime basis. My income was stretched beyond my means. 

In XXXX of 2015 I contacted Bank Of America and asked them to provide me with a solution to pay off the debt. The agent on the phone informed me that they ca n't help me as I have n't defaulted on a payment and that I need to default in order to qualify for assistance. Upon defaulting, I contacted Bank Of America again in XXXX 2015 and asked them to help me lower payments. They did n't once again. It was n't until XXXX 2015 when the bank finally reached out to me with a payment solution. By this point, they had decided to tag on various fees associated with my delinquency and the only way for me to regain my credit was by paying it all off. I was n't offered any solutions. I was n't given an option but to default. 

Bank of America has since charged off this loan and collected their insurance disbursement yet they solicited my information ( without my authorization ) to a third party attorney group in order to collect my debt. 

This is the definition of unfair lending practices. I have attempted to do everything within my capabilities to resolve this matter and I 'm at my wit 's end. 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 2020-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Their investigation did not fix an error on your report

Complaint:
TransUnion : In XX/XX/2020 I factually disputed 4 medical collections shown on my report. TransUnion mailed me my investigation results clearly starting that all the collections I disputed were DELETED from my credit report. 
I followed up by pulling my TransUnion report again there following month and the collection items that I had factually disputed were not deleted from my credit report, as TransUnion 's investigation results mailing started they were. 
So, in XXXX I CALLED TransUnion & spoke to a rep, provided here with all account # 's & amounts for the collections they claimed to have deleted from my report & she ASSURED me that those 4 collection accounts were in fact, deleted. She said she would send me my credit report which I recieved within that week & those 4 collections are STILL reflecting on my TransUnion credit report. 
Not only are they not deleted as TransUnion promised they were twice ( by mail & by phone ), in the 'Remarks ' section of each collection, it does not even state " Account Info Disputed By  Consumer '' as it should & that in itself is a violation. I was led to TWICE by TransUnion & this is affecting my ability to obtain a home loan to provide a stable life & housing for my young XXXX & I.

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 2022-09-17
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I, the consumer, was denied credit by American Express when I applied for a XXXXXXXX XXXX 
Adverse action is AGAINST THE LAW according to the EQUAL OPPORTUNITY ACT which is codified in 15 USC 1691 and is pursuant to civil liability under 15 USC 1691 ( e ).

American Express is in violation of 15 USC 1691 ( a ) ( 3 ) because I the applicant exercised my right to extended credit in good faith. 15 USC 1602 ( f ) states that credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.

Per 15 USC 1602 ( l ) my social security number ( credit card ) was used. I received no benefit from this consumer credit transaction which is an UNAUTHORIZED USE violation pursuant to 15 USC 1602 ( p ). This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express.

If American Express fails to make any fair and equitable procedures to resolve and remedy this matter and compensate me for the use of my credit card, I will indeed make American Express civilly liable for all actual damages pursuant to 15 USC 1691 ( e ).

I will also follow up with an invoice for said violations ( { {$1000.00} } per violation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: Navient Solutions, LLC.
State: FL
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 've been trying to get put into an income based repayment from them for over 6 months. My other loan servicer XXXX has had no problem doing this. But Navient seems to continuously lose my info. I have mailed them my application and pay stubs twice already, but I just received my first notice of delinquency from them. I am more than happy to pay based on income, but it 's like they are just ignoring it. I do n't need a delinquency on my credit report, but every time I call all they do is say they 'll put me on a 3 month deferrment and process my paperwork, then they just wo n't process my paperwork. Meanwhile, while i 'm on deferment the interest just keeps freaking adding up. On a sidenote, it would have been nice I could have been using this for the past 7 XXXX years, but every time i called they would just put me on a deferment and let me be on my way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Specialized Loan Servicing reported my debt as being 180 days past due in XXXX XXXX. However I was discharged in a Chapter XXXX bankruptcy in XXXX XXXX. This is in violation of of the Bankruptcy code. I have been approved for a HARP Tier 2 loan modification that will be finalized in XXXX XXXX. However it does not reaffirm the loan nor can they report to the credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Law Offices of Timothy E. Baxter & Associates, P.C.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I understand that I do owe for the credit card, I 'm not denying that. However, when I called a spoke with a representative from the law office and explained that i am the only one with income. I told her I was willing to pay XXXX to XXXX dollars a month. She told me that was unacceptable. Next thing I knew they went into my bank account and took all my money. I have absolutely no money, no food,, light bill is due, car insurance, and other bills that I automatically have taken out of my account. I could understand if they took some, but, they left my account with a zero balance. I guess my question is can they do that?

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 2015-08-11
Company: Specialized Loan Servicing Holdings LLC
State: ID
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Original Debt Collector XXXX XXXX XXXX signed a note with us for a reduced debt to be collected with the promise we pay back this debt monthly with no interest ( $ XXXX ). We 've paid this debt continually and on time for 3 yrs. until they sold the debt to Specialized Loan Servicing LLC ( SLS ). SLS claims they did not receive any paperwork of the reduced debt and are now trying to collect the whole sum. I 've sent them the note ( notarized ), I 've sent all my bank statements as proof of uninterrupted payments. THEY still do not believe me. I 'm exhausted with 7 months of this go around. They state XXXX will not communicate the debt to them. We are stuck in the middle. It is not our problem that XXXX sold them a debt that they did not confirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Experian Information Solutions 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 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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