BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: CA
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:
In my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
We bank with Chase XXXX XXXX in XXXX California. This morning we have discovered over XXXX checks at around $ XXXX totaling around $ XXXX was debited from our checking account and we were told the money will not be coming back to us for 60 days. 

We are making this complaint because we suspect that Chase internal employee is making this possible. I said that because 1. The check image in question shows our previous address without my name and only my wife 's name on it which we always do. 
2. The check number was previously used by us years ago and it surprised us that Chase did not red flag these checks. 
3. On the back of the check the criminal put " for Deposit Only '' which becomes a restrictive instrument yet it did not indicate if it was cashed or deposited which only a teller can do by forgetting or intentionally skip the printing transaction type of the back of the check. 
4. The check signature was totally different that what we have on the signature card which can be compared to via Chase teller computer screen which is a standard practice for all the banks. 

Chase now is telling that they will do investigation for the next 60 days while others are only 15 days Complaint was filed with XXXX XXXX on XXXX XXXX, 2016 and no reference number was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I put a stop payment on a charge for cable that was not authorized and had already been taken from our account two weeks prior. I was told it would be stopped and not go through. Two days later it went through and created an over draft of XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The following company XXXX XXXX XXXX has placed their company name on my XXXX and Equifax Credit reports erroneously. This is a college/ university, I have never borrowed any funds from this company. I once attended this college XX/XX/XXXX. Federal Student loan assistance was used to pay for my education XXXX percent. This company has know legal right under federal law ( FCRA ) to report any negative information about me to the credit agencies XXXX and Equifax. I have been disputing this account with the bureaus, however it comes back " verified '' each time since XX/XX/XXXX. I have also requested validation of this alleged debt from data furnisher. What I receive from XXXX XXXX XXXX in reference to justifying this alleged debt, were documents showing I once attended their establishment. No legal validation/ verification has been provided to justify their company name on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have multiple inquiries from he following companies - i did not authorize these requests for credit. I 'm attaching the identity theft report - i did not authorize these companies to pull my credit and a lot of the companies are listed as duplicates the companies are as followed : 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 AND XXXX XXXX XXXX ( XXXX ) i would like them removed from my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
This has been somewhat involved so hopefully I have got this all accurate and complete. I was offered a credit card from Bank of America ( BA ). I received this card about a year ago. I used it for a few months and there ended up being a problem that BA could not seem to fix. Not too long ago they sent me a letter stating that they have closed this account. They say " This action was taken because of the following reasons : '' That list says " This account has been inactive '' and " Derogatory public record or collection filed '' The reason it has been inactive is because they put some kind of stop on it and they could never get that straightened out. ( Separate issue and involves real incompetence of some kind ). I have called BA and tried more than once to find out exactly what is the specifics to the second reason : " Derogatory public record or collection filed ''. BA is the one who has closed this account and they would be the only one I know that would know why specifically they closed it. What is it about this " record '' that they have closed my account? I can get a copy of this record, but that wo n't tell me why BA closed it, I want their specific reason. I may want to do a dispute of this closing as I am concerned that now my record may show that I had not only a credit card account closed by the issuer, but for some kind of derogatory reason. 

I have called and since they could n't seem to answer my question I asked to be put in touch with the department and someone who could answer my questions. I believe that they told me they would contact me. I have never had any answer to this. I know this is more of some kind of policy that they can have, but there is no way to email or message them. I want to ask for a specific number and hours to call about this. Instead all I could do there is to use facebook! Can you imagine this is how they do some of their customer service? What a pathetic joke. I asked about my problem there. Quick reply but it was just another generic number, the kind that once again got me to no one who could help. I messaged again on childrens facebook and re explained what I need and was told they would be checking into it for me. Well up to 5 days now and no reply. So I just messaged again and told them they would be hearing from the CFPB as I am not going to keep burning up time trying to get a couple simple questions answered. 

These banks should be put out of business as far as I am concerned or at the least break them up into much smaller banks so we can get some kind of accountability to the customers. I know there are a lot of things that can be company policy and are allowed along with no one having to do business with them. But in this case I think I am due answers especially with the ramifications to me.

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 2015-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2015, I went to a Bank of America ATM, located at XXXX XXXX XXXX, XXXX MA. When I went to the ATM, I deposited {$550.00} in cash and {$320.00} in checks. It processed the cash and " ate '' the checks - it took them into the machine and failed to acknowledge the action. It gave me no option to return the checks to me. 

I immediately called Bank of America and alerted them that the ATM had not confirmed my check deposit and was not following typical behavior. I was told that it was 'not a problem ' and that in 3 business days the checks would appear on my account. After 3 business days, I did not see the checks so I called Bank of America. 

They told me then, that they would investigate the issue and get back to me within '6 weeks. ' They temporarily gave me the missing {$320.00}. After 6 weeks, I was told that I was out of luck - that I had to have the checks reissued, and that there was nothing they could do. They then removed the {$320.00} from my account. I raised the issue again, as I feel this is unacceptable, and they took another 3 days to look further into the matter before restating that there was n't anything they could do. They could locate my transaction ( the deposited {$550.00} in cash during the same transaction ) but 'could not locate the checks. '

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-29
Company: SET Financial Corporation
State: KY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The company has failed to properly update my credit report to state that this account is included in a bankruptcy filed in 2012. They continue to report inaccurate information,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America inconsistently deducts monthly maintenance fees from my checking account on arbitrary days. I attempted to discuss and resolve this issue with them today ; however, they could not provide any logical explanation as to why this date varies from month to month. This inconsistency creates a financial burden, impacts my budget and makes it difficult to keep my account balanced.

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 2017-04-28
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I took private student loans fr om  XXXX . I 've be en paying more than the minimum on time for the better part of a decade. This month, the servicing of my loan was transferred to   XXXX   XXXX  .     I disagree with this practice on an ethical level. I am not a commodity and should n't be treated lik  e one. But, I can deal with the headache of my loan servicer changing.
My complaint is that   XXXX   XXXX   does not allow   me to schedule payments in advance. I can either set up auto-pay for a specific amount on a monthly basis or pay online. The problem is that when I pay online, I can only schedule my payment for that day. This makes paying my loans off more difficult and makes it more likely that I 'll pay more over time.     I like to pay my monthly payment ahead of schedule and then make additional payments each time I receive a paycheck. This has been a really effective way to pay off my loans faster.     Not being able to schedule these payments ahead of time makes it more likely that I 'll make my extra payments later, which costs me more in interest.   XXXX   XXXX   provides a negligible level of customer service and a terrible user experience.     It 's entirely reasonable to expect that I 'll receive equal or greater quality customer service when my loan is transferred against my will.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I did ask my lender ( Citimortgage , Inc. phone XXXX ) multiple request to waive the escrow account and the company denial my request for the reason they said is loan-to-value ( LTV ) ratio too low, now at current value of 84.36 % .but this value it was calculated in XXXX when they original appraised value of the property of $ XXXX.I recently appraised the property using a private appraiser and the property value is more higher but CitiMortgage do n't want to accept it, and then I request the company to do their own appraiser but they do n't want to do it.That is the mean reason for this complaint and I do appreciate any kind of help from you. 
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 2015-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Loan was a home I purchased in XXXX XXXX NV. Lost home in foreclosure. This loan should have No Money Past Due or an outstanding balance and no lates. Bank of America got their security back in the foreclosure. Should show zero due. and no current past due payments. Only being reported by XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-06
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Hello, I 'm in the process of buying a home. I had a debt that I paid to a collection agency and I need confirmation that I paid on the account to purchase my home. The collection agency is telling me I have to wait 30 days for a realease.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My Equifax report said I lived in XXXX XXXX. XXXX. I have lived in XXXX. for over 40 years. When I wanted to open a XXXX account I was denied because I answered questions about living in XXXX. wrong. I have never lived there. Tried to call Equifax and could not talk to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Navient Solutions, LLC.
State: MI
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 a Navient student loan in repayment and I was trying to pay off the remaining balance of my loan. I had researched on their website that a credit card payment can be made for the amount due over the phone. I always pay more than the amount due, and was planning on paying off the loan with my no interest credit card. I called customer service and they explained I can only make the minimum payment with a credit card, nothing more. I explained this does n't make sense. I can pay every month with a credit card but can not pay off the loan? What kind of policy is that? They would rather charge me their interest every month, where I can still use my credit card to make the payments, rather than pay them all their money at once. That is bad business and nickel & dimeing the consumer. They tried to tell me it was because that a credit card is another form of debt, but if I can make monthly payments with that very same credit card, please explain the difference?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have mixed files on my credit report. 
1 ) XXXX XXXX XXXX XXXX ) Bankruptcy 3 ) Legal Item 4 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I made an application on XX/XX/XXXX for the Bank of America 's XXXX BOA XXXX XXXX XXXX XXXX XXXX XXXX ) to replace my current BOA ELOC on my residence on advice of my BOA branch XXXX. She made the recommendation because the new XXXX will provide me a similar loan at a more attractive interest rate resulting in savings. 
As part of the application I submitted our XX/XX/XXXX and XX/XX/XXXX IRS tax returns. When I asked XXXX I should provide any other documentation, such as XXXX, social security XXXX XXXX etc, I was told it was not necessary because BOA has all that information in their system. There was some other requests from different people at the processing center, but questions on our offshore income ( which is already on the XX/XX/XXXX/XX/XX/XXXX tax returns ) was resolved when I submitted XX/XX/XXXX FBAR I filed with XXXX XXXX XXXX. Please see the attached letter to BOA to get some more details on the nature of ensuing events. 
My application was rejected on the basis of " Unable to verify income '' ( please see the attached copy of this letter )

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 2016-08-09
Company: Navient Solutions, LLC.
State: TX
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 received a Parent Plus Loan for my daughter starting in XX/XX/XXXX, I file for Bankruptcy in XX/XX/XXXX-XX/XX/XXXX, I was told by my attorney that my student loans would not be a part of my bankruptcy because they were federal. My loans were in deferment, In XX/XX/XXXX my loans were transferred to XXXX and XXXX. But in the process on my credit reports my loans from XXXX XXXX, XXXX for {$6800.00} and XXXX XXXX, XXXX for {$22000.00} is derogatory from Sallie Mae, the reason stated is that the " debt being paid through insurance ''. It is only on these XXXX accounts. But on my XXXX and XXXX accounts with the same amount, it is current and paid as agreed. I have been trying to correct this since XX/XX/XXXX, if I could not pay my student loans, I would always get a deferment or forbearance. All of my Parent Plus loans were consolidated XX/XX/XXXX including the XXXX listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX I sent a letter to Bank of America and spoke with XXXX different employees of Bank of America. XXXX XXXX, Manager of the Short Sale Dept, phone XXXX, assured me he will have an incorrect report to my credit report corrected within 5 business days - or by XXXX/XXXX/XXXX and he would send me a letter of correction. He said it would take 30 to 90 days for the credit reporting agencies to make the correction. 
Bank of America reported that I owe {$64000.00} to Bank of America as a result of a short sale. 
Bank of America prepared documents signed by me stating the bank accepted payment in full when the property was sold XXXX/XXXX/XXXX to a new owner. There were no further costs to be paid by me and I did NOT sign a promissory note agreeing to pay any additional amount to Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have been paying off my college loan for 21 years. My balance was initially XXXX. It is or should now be {$6300.00}. but Navient capitalized another {$3300.00}. or XXXX % increase on top of the principal. Raising the balance to {$9600.00}. something. I am at the library left the bill at home so the figures are rounded off. I asked them about a month ago to explain how they applied the interest for capitalization. In the literature they advertise to potential students even at this moment is a complete lie. They say that capitalization occurs at the same rate as the interest you have on your loan. Then how come it comes out at XXXX % when the most level of interest on my loans is XXXX or as they put it 3.45 %. I read almost all of the complaint, well really about half of the XXXX complaints in your database, from XX/XX/XXXX back to XX/XX/XXXX and it was about XXXX per day. Just think of it that is just the tip of the iceberg. Because there are probably many other financial victims suffering this abuse in silence. Please help right this wrong. I think I can also contact my Assistant District Attorney in XXXX XXXX CA. As they handle consumer complaints and fraud very effectively. 
Can you help me?

Company response to consumer: Closed with explanation