BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-11
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I requested Debt Validation from XXXX XXXX XXXX. 
XXXX never responded. The credit reporting bureauXXXX, continue to show this invalid debt on my report. I would like XXXX to remove all references to this account. This Validation was sent more than two years ago and no response as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently obtained a copy of my credit report from Equifax only to discover that a company called XXXX XXXX XXXX has reported that I owe them money and it is affecting my report negatively. In the past I have disputed this information with Equifax because I have never been personally liable to XXXX XXXX XXXX and would like this fraudulent information removed asap. Equifax claims to have confirmed that this debt is mine and that ca n't be true because the debt is not mine. XXXX XXXX XXXX is trying to hold me accountable for a business leasing account that I was affiliated years ago with because the business that is liable is gone out of business and they ca n't collect from that business, so they are going after the only person they can and that is me. Both Equifax and XXXX XXXX XXXX are clearly violating FDCPA Section 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 ) federal laws as they are blatently reporting false, unverified, unvalidated debt that does not belong to me personally. I am requesting your help with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Per New Law : Comprehensive Credit Act of 2020, section 401 - debts regarding adverse credit details contained within one 's personal file for which do not have a confirming contract must be deleted. I don't at all recall this debt. I called to speak with them and tried to set up payments until attorney advised that I not pay anything according to this law. 

I was then Advised that I take steps prior to our filing a lawsuit against them. The new law is very specific and direct regarding the details regarding any debts on one 's credit report for which things can not be verified/validated etc. To not adhere to this law, is grounds for litigation according to my counsel. I've had it. Should they not remove this unverified/solidified debt means that they'd appreciate for my attorney and I to address these issues in court before a judge under The Comprehensive Credit Reporting Enhancement, Disclosure, Innovative, and Transparency Act of 2020. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went to the " XXXX '' web site and filled in the information. First, it took me to the Equifax site, where I selected the option of " saving your report as PDF '' option. I got a dark screen with an error message stating that the " PDF function not allowed '' and " for errors please report to null ''. When I returned to the web site they disallowed any viewing of my Equifax report, stating I had " already viewed '' it. 
This web site is coded to be confusing, misleading, deliberately taking the user to paid reporting functions of the various agencies and to prevent the user from actually accessing these reports. 
These financial data are mine. To deny me access to current data is wrong. 
I want my annual credit report AS REQUIRED BY LAW. Please stop the deceitful practices of the reporting agencies and create a REAL annual report site. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I no longer have the receipt, but this complaint is not an ordinary complaint. Western Union in the last couple of years have been singling out money sent to XXXX. This is my XXXX time where Western Union have sent money for me, but when i called the receiver the money is not available for pick up. I called Western Union multiple times and they ( WU ) kept on telling me that the money is available. A few weeks later they informed that the money is not available due to my account is red lined ( whatever that supposed to mean ). So i cancelled the money transferred and asked for a refund. A month later i received a letter in mail stating the money was available for receiver to pick, but the receiver did not have a proper ID ( This was a completely a lie ) and this is the XXXX time i have received this type of letters. 

Note : This happened, my brother, brother in law, and few of my friends. Please look into this if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Specialized Loan Servicing Holdings LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We recently decided to refinance our home with our credit union after trying for over a year to remove our PMI with our current mortgage company. The agent that is helping us at the credit union contacted us on XX/XX/XXXX stating that our current mortgage company ( Specialized Loan Servicing ) reported on our credit that we're in a deferment and we'd need to be current on payments to proceed. Our credit report it is showing our last payment we made was XX/XX/XXXX. We have never requested assistance nor have we ever been late on our monthly payments. I contacted SLS on XX/XX/XXXX and they said they'd send an email stating that we are current on our loan and never requested the deferment. After waiting several days with no email, I contacted them back XXXX on XX/XX/XXXX XXXX. I was told we'd have an email no later than Monday XX/XX/XXXX. We never received the requested email so I contacted them back on XX/XX/XXXX. Due to heavy call volume, I was forced to do a call back for a later time. I got a return call on XX/XX/XXXX and was transferred to a relationship manager for resolution. XXXX stated that they do not send emails however, an official letter could be mailed to me stating that we aren't in a deferment and also that he was sending something to the credit report to be updated. We received two letters Saturday, XX/XX/XXXX from our mortgage company. The first letter stating that they have received our documentation as part of our request for mortgage assistance but they need more information and the second stating our account has been transferred to the customer resolution department due to potential or existing delinquency. Both letters also state that they are required by Federal law to advise us that this communication is from a debt collector. Again, we have never been late in our payments and have never requested any assistance. We've been battling this company for several months now to remove our PMI. They finally sent an appraiser to our house in XXXX and even followed up with a phone call stating it would take 30-90 days to review. I never heard anything back and every time I call customer service, nobody can help me. I was even told that I couldn't speak to a supervisor and was hung up on. I have spent countless hours trying to get resolution with this company. The false reporting to our credit was our bottom line.

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 2016-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My Bank of America card has XXXX fraudulent charges. My bank told me that I need to file a police report to continue their investigation to get the charges reversed on my account. I was told that you would subpoena the footage from the ATMs where my card was charged. There are XXXX different transactions. 

XXXX XXXX XXXX {$480.00} at the XXXX ATM # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX ATM XXXX XXXX XXXX XXXX XXXX XXXX Those XXXX transactions was not me. It could not have been me because on XXXX XXXX at XXXX I was at my college, XXXX. And on XXXX XXXX at XXXX I was at work. 

I filed a claim first and it was denied by bank of america, then I filed a police report and my claim was denied again. Now I am filing a complaint here.

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 2021-06-26
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was told to forgo making my house payment and we would then be eligible for a loan modification through BoA. The usualthing happened in that it took over two years and in the interimwe did not make the payments while waiting. Our credit was hitvery hard and the derogatory remarks on our credit ratings wereaffected as well as over {$35000.00} worth of " interest and fees ''. 
Can anything be done to correct this? This also put our mortgageunderwater which means we can not refinance. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: EQUIFAX, INC.
State: TN
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:
I have become aware that that the credit reporting agencies may not be in compliance with certain provisions of the Fair Credit Reporting Act ( FCRA ) and how it is reporting my credit information.

In accordance of the Fair Credit Reporting Act ( FCRA ) : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

With subsections 604 and 605, the credit reporting agencies did not get the information of my bankruptcy from the State of Tennessee nor did I express that information to be made public in any expressed written agreement or statement. The three credit reporting agencies received my personal credit information from public records which they are not in compliance with the Fair Credit Reporting Act.

Fair Credit Reporting Act states the regulation and laws that govern the three credit reporting agencies, however the misuse of personal information for financial gain harms consumers. I could not find a place to stay because that was on my credit report and reduce my score. I find it very difficult that I can not find a place to call home in a reasonable area do to the inconvenience of the misuse of my personal credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: Navient Solutions, LLC.
State: MT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I attended XXXX XXXX XXXX for XXXX. I graduated in XX/XX/XXXX. I am currently XXXX, my term began in XX/XX/XXXX and end XXXX. Part of the deal of being an XXXX is you are entitled to student loan forbearance during your term. I have an account with XXXX XXXX/Navient to which I submitted the standard formal forbearance request/notice to every address I could find and it has been denied. As you may know XXXX make a VERY modest living stipend, just enough to get by and we can not afford to pay our student loans on such an income. The XXXX forbearance is essential to the position and is one of the reason ppl accept such low income for hard work. XXXX XXXX has refused my forbearance despite many attempts. When I spoke with someone on the phone they were very rude and said they 'd never heard of XXXX. How a major student loan company has never heard of XXXX blows my mind and comes across as purposeful. Since that call they have been calling me and my mother XXXX times a day between the hours of XXXX and XXXX and emailing me frequently. The most recent email seemed to posit that the account was now being handled by a collections agency. The account was not in collections before I started my XXXX term and now is because the wo n't accept what I understand to be a mandatory forbearance. PLEASE HELP. I can not afford to pay this loan while in service, doing so would leave me with literally nothing after rent and bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Regarding my complaint number XXXX. The Bank of Americas has responded to my complaint. As you can see, it is with contempt for the authority of the CFPB. Both letters were submitted on the same day and previous to your message of XXXX/XXXX/2016 saying they needed 60 days. They modified my loan : the results are the same 9.5 % for {$50000.00} loan.

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 2017-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Dear sir, In early 2015, my late wife became ill, and she became deceased. I XXXX XXXX XXXX informed the bank of her passing, which is why I was unaware of any correspondence informing of a change in the pay plan of my mortgages. My bank was authorized to automatically pay from my checking account. They had no right to stop this service agreement because the checking account is only in my name, therefore my late wife had not been enrolled in this electronic payment service agreement, and I am responsible for making payments, which were routinely drafted on the scheduled draft date. 
I should not be charged for insufficient funds because the servicer stopped automatic payment, and that resulted in a late payment or otherwise in default.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Navient Solutions, LLC.
State: NY
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:
I have multiple loans with Navient. When I make monthly payments they consistently mis-allocate my payments among loans so that I overpay on some loans and underpay on others, resulting in them charging me late fees. I then have to have lengthy phone conversations to resolve this. This has happened on multiple occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My credit and debit card were both lost and I had to file a police report to make sure this issue is property investigated. Chime bank approved someone to buy over XXXX $ worth of goods from different sites and merchants and the information used for the billing and shipping address was not correct at all from XXXX and other merchants. So we already have proof of fraud. Chime bank makes their customers wait almost a whole 30 days to get their money back and seems like they do not even investigate the claims at all. Thats why I filed a police report to make sure its properly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Notarized FHA modification documents XXXX times. XXXX time was with XXXX who came to my house. Stated I would receive a check for {$200.00} in doing so. Now I get another XXXX delivery saying I must do it over again because some documents were not submitted. This is the same reason given each time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/2009 I defaulted on a mortgage loan number XXXX. On XX/XX/2009 a fourclosure complaint was filed. The property than went to final judgement and the house was actioned off. The original servcer of the loan was XXXX Mortgage, Than the servicer was switched to Countrywide home loans and than to Bank of American N.A. I defaulted on this loan well over 7 years ago. Bank of America is still reporting this negative information on all XXXX of my credit reports. This are reporting complete different time dates and defaults on each credit report. Basiclly they have no idea when the default accured because the loan was transfered so many times. Attached is proof that tha default accured over 7 years ago. You can clearly see this on older credit reports i have also inclosed,

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 2021-03-16
Company: LEXISNEXIS
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My credit report is reflecting Bankruptcy i have disputed the bankruptcy the came back saying it was verified with lexisNexis i have a copy of my Lexisnexis shows No bankruptcy so i called LexisNexis they informed me they have Two reports verified and unverified my verified shows no bankruptcy and my unverified shows bankruptcy and they supplied the unverified information the the credit reporting companies why are they reporting unverified infomation on me to companies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: TRUIST FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I called SunTrust Bank to report that an alert from my XXXX credit monitoring said someone had opened an account in my name. I did not open the account and the representative " XXXX '' confirmed the account was still pending and that she opened an identity fraud case for me and will close 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 2015-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
RE : Case ID XXXX business account is with Bank of America. The account was overdrawn by {$1.00} and there was a check deposited that had not cashed yet so I was charged a {$75.00} fee. I requested they review my business account since this was the first time this event happened. I spoke with XXXX XXXX on XXXX/XXXX/15 in the XXXX XXXX XXXX XXXX in XXXX XXXX XXXX branch and he assured me it would be no problem and he would have to review the account. When I checked my account a few days later the {$75.00} fee was nit returned. I went back in on XXXX/XXXX/15 and Spoke to XXXX XXXX and he stated that he could not do anything about it. I asked to speak to a manager and was told that they were not on the premises. This issue was not resolved and I do n't feel I given the right courtesy for a business client. THIS IS HOW GRATEFUL AND LOYAL BANK OF AMERICA ARE T THEIR BUSINESS CLIENTS. I will NEVER bank with Bank Of America again!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-17
Company: The CBE Group, Inc.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
1 week into contact they began chain calling 3-7 times a day. I called to discuss the issue and was yelled at by XXXX representatives before getting a supervisor who was at least kind. He admitted what they were doing is illegal, I have the entire encounter on recording ( which is legal in my state ).

Company response to consumer: Closed with explanation