BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Issue: APR or interest rate

Complaint:
I have been a customer with Bank of America for many years, having a credit card from there since 2011. In XXXX, I applied to change from a XXXX Rewards Card to a XXXX Rewards card. Before applying, I had spoken to a customer service representative to make sure I qualified for all of the benefits that other people who apply for the card receive, including 0 % Intro APR for 12 months. I have a transcript from the conversation. Unfortunately, I am being charged interest despite the fact I was told I would not have to. Hoping this to be a clerical error, I then spoke with XXXX people from Bank of America and all of them stated that there is nothing they can do. 

I am upset because I have specifically planned and changed the credit card to benefit from the 0 % APR for 12 months, as I had some big purchases planned. The extra interest payments are an added hardship that have forced me to change my plans and financial planning. I was specifically lied to get this card and am now told there is nothing I could do. I would close my account with them, but do n't want to hurt 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 monetary relief
Consumer complaint received 2015-03-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am trying to deal with Navient ( formerly XXXX XXXX ) regarding private loans that were taken out for my college tuition ( both under my name and with my mother as the primary borrower and myself as the cosigner. ) They have admitted over the phone repeatedly that if you are n't giving money to them over the phone ( the exact amount that they want, which is exorbitant, ) they will not document the phone call. Because of this, I have started dealing with them only via paper letters, which they have not taken kindly to. 

For the loans where I am the primary borrower, they are expecting well over $ XXXX/month payments which are unreasonable with my income. I have given them multiple financial statements over the phone, which they apparently are n't putting in the system because the next time I talk to someone there they say that there 's nothing on file. When I give them the statements, they agree that $ XXXX/month is too much, but that they have nothing else available. When I ask what they recommend I do, they say to not even bother sending the amount that I can actually afford without losing my home and car ( needed for my job ) because it 's not enough to do anything worthwhile. Then they make fun of me for not going into the career path that I was hoping to while in college and demand to know when I will be. 

For the loans where my mother is the primary borrower, she has one in a lower payment plan. We have confirmation numbers for the payments and they have been taking them out of her checking account, but then we received a letter in the mail stating that the payment plan has been rejected ( no reason why, which we 're trying to find out in writing. ) Yet even after the date the letter was sent, the money has still been taken out of her account by Navient. She 's also still receiving letters and phone calls that that particular account is delinquent, even though she 's making payments on it. 

I am at my wits end with them, trying to contact them via paper ( I refuse to talk to them on the phone anymore, as it 's resulting in me having panic and anxiety attacks every time they call. ) I do n't want to go into default, but I ca n't afford anything close to what they are demanding for these loans. I have used up all of my forbearance time on these loans ( which I paid {$150.00} every few months to put them into when it was XXXX XXXX. ) It 's almost making me wish that I never went to school at all, and also wish that my school had done a better job educating about what private loans really are instead of having me just sign a piece of paper for more money towards tuition ( XXXX XXXX and XXXX XXXX of XXXX. ) My federal loans are in a reasonable repayment plan based on my income ... why ca n't private loans be the same way? Please help or advise what I can do!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Mahomes Capital
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2021, I received an unsolicited piece of mail from Mahomes Capital ( https : //www.mahomescapital.com/ ) telling me " You have been pre-approved for a debt consolidation loan for up to {$32000.00} at 3.06 % interest rate. '' No where on this financial offer does it say that it is subject to further credit review. Upon calling the company, they told me to apply and see what comes back. I explained that it clearly states I am pre-approved for 3.06 %. He said it depends on your credit score and other factors. 

I told him no where on here does it say that it is subject to further credit review. Additionally, It shows my current debt obligations and average interest rate with my current total of minimum monthly payments. Next to that, it shows the terms of the new loan under the word " New '' that shows a consolidation loan for {$32000.00} with an interest rate of 3.06 % and a new minimum payment of {$120.00}. 

Additionally on the front of the envelope, it says in bullet point : - One low FIXED monthly payment - 3.06 % interest rate - FREE Consultation - NO upfront fees Again it does NOT say interest rates AS LOW AS 3.06 %. It clearly states the interest rate IS 3.06 %. Nothing in this solicitation would lead a reasonable person to believe they would receive an interest rate other than 3.06 %. 

No where does it say this is just a teaser and that the rate is subject to further credit review to determine the actual terms of the loan. This solicitation is highly deceptive and when I advised the gentleman I was speaking to that this was the case and that I don't believe it would pass the smell test of the CFPB, he said he's been doing this a long time and he knows what it says. He kept interrupting me and talking over me and would not let me read the exact verbiage to him. He said he would not continue the conversation and hung up on me. 

I work in the XXXX  XXXX  and this solicitation is purposefully deceptive and it is absolutely a bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
So the XXXX of XX/XX/2021, I Received a phone call when I heard the voice with accent I hang out, then was a second call and the person on the phone told me his name and that he was calling from my bank to confirm that I was on vacation in another state l said not Im not then he said their trying to used your card, and he asked if I had the card with me I said of course, then he had all my information thats why trust him, he said Im going to block this transactions, Ill send you a code and you give me the number to cancel it, he said you going to see them in sistem but is because Im canceling so I did give them the numbers but later I looked that my savings were moved so I hanged out and call right away to my bank and the lady who assisted me told me they still trying to make more transactions, I got scared and this lady took the report and 3 weeks later my bank send me a letter that it said my claim was denied and closed, Im so upset about it they cant just say forget about your XXXX dollars, I reported on time what was my mistake? That was 36 transactions that they made and the bank didnt see anything suspicious and they charge me even for the overdraft.

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 2016-09-09
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My Iberia Bank debit card was compromised by a criminal. I noticed fraudulent activity on my account, on XXXX/XXXX/16, with XXXX separate charges, all on the same day for a grand total of {$800.00} ( $ XXXX $ XXXX {$200.00}, and {$6.00} in transaction fees, {$2.00} for each withdrawal ). This is alarming, because I had my card with me the whole time, and never shared my card, or information with anyone. This means someone had illegally accessed my PIN, and had a device to make withdrawals at an ATM, that emulated my card. During the time of the fraudulent activity ( which took place in XXXX XXXX, XXXX, FL, approx 50 minutes away from where I live ), I was making purchases, and atm withdrawals in XXXX XXXX of residence. This proves that I was not present for the fraudulent charges in XXXX, FL. The bank has since denied my claim, and has left me as a small business owner ( self employed ) to fit the bill, for their ineptitude of keeping my account secure from criminals.

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 2016-02-29
Company: ARC Management Group, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving continuous calls from XXXX. I do not answer because I do n't recognize the number. It is a Georgia phone number. I only know what it is from researching it on the Internet. I want this number to STOP calling me.

Company response to consumer: Closed
Consumer complaint received 2021-08-30
Company: WELLS FARGO & COMPANY
State: CA
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 have an issue with Well Fargo bank. They are reporting on my credit something is over XXXX years old and need to be off. I have been fighting them since XX/XX/2021 on this and they just wont budge. The credit report even shows 8 years and 3 month I mean come on 7 years it is suppose to come and it not. Why do they get to change the law to 8 plus years? I did my research and I know it still 7 years so this need to be remove ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30
Company: Verisk Analytics Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
- On XX/XX/21 I sent a letter to LCI asking to verify the validity of the bankruptcy they were reporting on my consumer report. - LCI failed to respond. 
- On XX/XX/21 at XXXX I left a message requesting a call back - no response. 
- On XX/XX/21 I sent a second letter asking for a method of verification of the alleged bankruptcy they are reporting. - LCI failed to respond. 
- On XX/XX/21 I sent a 3rd method of verification request. 
- On XX/XX/21 I received an email repsonse stating bankruptcy is public record, but no method of verification was included. 
- On XX/XX/21 I replied to the email again asking for a Method Of Verification. 
- On XX/XX/21 LCI replied and stated they do not subject to FCRA laws and they are not required to provide me with any Method of Verification at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Social Finance, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Sofi credit card had a promo around XX/XX/XXXX of offering a 5 % cashback for the first 12 months with a qualifying direct deposit of {$1000.00} per month. Then around the next month, they claim they made a mistake for 5 % but it should have been for 3 % cashback, which is fine for me. I can understand and accept that. I was earning 3 % until XX/XX/XXXX ( therefore I was only earning for around 2 months only ). The 3 % started becoming 2 % cashback and I spoke with phone reps 2 times to dispute this and once on online chat. I was still qualified since I met the {$1000.00} per month in direct deposit. I was also told that they would investigate the situation and see what went wrong. Today is XX/XX/XXXX. I have yet to hear a response back so I decided to message them on chat. The chat rep said that I hit the cap of XXXX points for the 3 % promo. I do not recall any maximum cap for XXXX points. I was not given any terms of conditions that stated that I had a cap of XXXX points. As I ask the chat rep to provide the terms of condition for further proof, the chat rep stopped answering me. Screenshot will be provided of the chat log. I think that Sofi is abusing their system and not following their own protocols. I wanted to report this for further investigation as Sofi is abusing their internal system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: ALLY FINANCIAL INC.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/2021 a man knocked on my door around XXXX pst. The man asked for me and told me that my XXXX was late on payment I explained to him ive been in contact with my bank thru email and not sure why he was at my door the guy states he's with ally financial and say he was here to close my loan and to call the bank. I told the man not to ever come to my door again. This man was caucasian in his 50 's for sure. I've been in contact with some guy thru email name XXXX XXXX who keeps emailing me and tell me to call his private phone number XXXX and the email is XXXX. This has really scared me because I just moved to this location and they do not have the address. I feel violated and not safe.

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 2015-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Consumer has tried numerous times to have credit agency to remove or update inaccurate information on report referencing XXXX # XXXXAll payments and equipment was made and/or returned directly to XXXX in XXXX, Kansas therefore this account should have never been reported as derogatory on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-27
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I am not actually the primary party. I am the Third Party. I was contacted and asked for a family member 's information after I clearly stated that the person did not reside at MY number. I asked what the call was about and he said it was a personal business matter. Then do n't call me. He also refused to tell me what company he was with, but XXXX knows. Enhanced Recovery Company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-16
Company: ESCALLATE, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
What best describes my issue is that this company continues to report an account to my credit report that they no longer hold or have any rights to collect on. ( {$250.00} XXXX of XXXX ) They have stated that the account is not in their hands and they have no control over what happens to an account once it is no longer in their hands. Yet they continue to report the debt on my report as if they are the current creditor. If what they are saying is true ( as referenced in complaint/case number XXXX ) then why are they still listing themselves as the creditor and reporting to the bureaus. Also, the letter I received from the so-called new company, XXXX XXXX XXXX XXXX looks awfully identical to letters that Escallate uses. I found out from a government agency that EscallateXXXX are either affiliated/sister collection agencies or are the exact same agency using different names and possibly switch between each other to trick the consumer into thinking the debt is now with a new/different company. This complaint is specifically directed at Escallate. I have also contacted the Original Creditor and was told the account is still with Escallate, which again confirms deceptive representation and collection practices. So, I am requesting Escallate provide the date the account for {$250.00} was removed from them. The date and any additional info regarding when this debt was transferred or sold or otherwise removed from their care and when they no longer became the Creditor for this account that they state is out of their hands ( again refer to response in case # 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 2021-08-30
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We are with credit repair agency, ask to removed all the negative information in my credit file, one collection it should be on my report, there are an original company was sell my account to other agency, and others two credit cards companies the accounts was placed with the debts consolidations for over two years 24 months they should be they should be paid by now still on the negative items on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
This is an addendum to claim # XXXX XXXX XXXX XXXXSLS purchased my loan from XXXX on XXXX/XXXX/XXXX Once again they will not speak with me regarding my loan - My daughter and I went on a XXXX party call to SLS and we weretold unless they receive XXXX party authorization form signed we can not do anything. 
My daughter who is a Real Estate Agent went online and printed another formand we faxed to SLS - during our brief conversation with SLS I stated all thepayment information they have on file is incorrect - they say I paid no paymentsand I paid every payment due SLS - the only payment unpaid is on XXXX would not speak to me and I paid XXXX extra on my additional paymentsto make up for the XXXX XXXX payment. On Friday, XXXX XXXX XXXX XXXX I received aletter from SLS stating on XXXX/XXXX/XXXX MY HOUSE IS GOING INTO FORECLOSUREBECAUSE MY PAYMENTS HAVE NOT BEEN PAID SINCE XXXX/XXXX/XXXX - I PAIDevery one due to SLS - where is all my money going? How do I fight somethinglike this??? I am going to XXXX XXXX XXXX and getting copies of all of my paymentsbut I am afraid they are trying to take my condo from me - this has been going onfor 8 years and it is not fair to do this to seniors. I have made all payments, I havecalled XXXX times and left messages - no response - I have sent every form theyrequested plus additional correspondence I had. I sent copy of Certified letterto XXXX in XXXX with my Assumption Package - no response - I would liketo post this for others to see how XXXX and its subsidiary SLS handle customers. 
If I do n't have a XXXX, it will be a miracle. 
I asked the Ombudsman to please look into this mess - hopefully we can get a resolutionon both sides.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX separate accounts from the same creditor listed, except that XXXX of them could not possibly be mine because it was opened in on a date when I was still a child and has a completely different account number to the correct XXXX, which strangely enough at the time which the valid one was opened, card received and all, after about a month, I received a call that said that I was mistakenly approved and the account was closed by the credit card company. The same applies for the inaccurate XXXX from 1999 with a completely separate account number, balance, and credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: AZ
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:
Information that I own money to the XXXX XXXX XXXX is incorrect and I do not own this I have sent the information for dispute as well as the reason I dont owe this.. this was an error on the finance ( unit ) And XXXX XXXX which Im up to date on

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 2021-08-30
Company: Experian Information Solutions Inc.
State: TX
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:
I disputed multiple inaccurate accounts that I do not recognize that they are reporting to my credit report and they failed to send my investigation results and it has been more than 30 days! They continue to report false information to my credit file and hurting my credit rating!

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