BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have wring name and address reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have recently been laid off and I am going through a divorce. I contacted Bank of America on XX/XX/2022 to ask for a renegotiation of repayment terms based on my decreased loan balance. I am willing to make payments, but I need a lesser payment amount. I had been making regular payments for at least 2 years and Bank of America refuses to help me with revised payment arrangements. Bank of America would rather negatively report on borrowers as opposed to trying to help someone who wants to pay but simply can not pay quite as much due to a recent layoff. 



XXXX XXXX has begun reporting an account as a collection on my credit. This account is not solely mine and is currently being negotiated inside of divorce proceedings. I have spoken to agents at XXXX XXXX and I have explained that my I am unable to reach my ex regarding this debt, nor do I know where she is, nor am I able to or required to make the full payment. I have further explained that the balance of this account will be paid in full by both my ex and I, once the divorce is finalized. I was misled to believe that the creditor would wait for the final divorce decree before any further action would be taken. This debt is only 1/2 mine and I intend to pay the debt in full with funds that I am entitled to receive in the divorce proceedings.

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 2017-01-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Navient took over my student loan XX/XX/XXXX, at that time I spoke with a rep from navient and informed him I was working but part time and was struggling to pay my loan he offered me to apply for a hardship deferment I did so and believed everything was all set, until I started getting calls XX/XX/XXXX saying that I owe and on my loan and when I mentioned it being in deferment I was told it was never put in deferment and then next thing you know XXXX took over the loan and now that it has been in delinquent status it is hindering on purchasing the home I am trying to buy, it is now being managed by a company called XXXX who told me I can make monthly payments for 9 months and then it will come off my credit report as a negative item or I can pay the loan off in full. Also come to find out my loan is collecting interest in a daily basis. So not am I only stuck with this loan it is hindering me from fulfilling my dream of purchasing my first home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Flagstar bank applied the wrong escrow amount to my account, which ballooned my mortgage payment in XX/XX/2019. I had an automatic draft set up, so when I saw my payment increase by XXXX , I stopped payment. It was a XXXX $ charge to me due to me through my bank. After months of going back and forth with Flagstar that I didn't owe that amount in my escrow it was finally fixed, I had to call multiple times a day and endure people hanging up in my face and telling me that payment was correct. After four months, my payment amount was fixed, but I never received my XXXX $ back or a sorry for the treatment I received or stress due to not knowing if I would be able to pay the amount. In XXXX, a couple of managers told me that I would get my XXXX $ back and that the check was sent out, but I never got the payment, I believe they were telling me this to get me off the phone, and the check was never sent out. I called today on XXXX, and the person said they would have to open a new case after four months of waiting.

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 2021-11-18
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:
I call Experian to remove unauthorized inquiries off my credit report. Sent certified 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 non-monetary relief
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern : I AM NOT REQUESTING VALIDATION FROM THE FURNISHER OF THIS INFORMATION. I AM THE ONLY PERSON WHO CAN VALIDATE ANYTHING ON MY CONSUMER REPORT AND CONGRESS STATES MY CREDIT REPORT SHOULD BE EQUITABLE TO ME. After reviewing a copy of my consumer report I noticed late payments posted on my consumer report : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with correction of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2019-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account was compromised and I filed a fraud claim with the bank and advised them of this fraud activity. Suffering from XXXX I have to keep my Pin number written down and my wallet was stolen with this information. Bank Of America placed a temporary credit on my account at which pint totaled over {$800.00}. I revised a letter two months later indicating that the temprary credit will be reversed because they found no evidence of Fraud. I called into BOA in a panic and spoke with XXXX from Arkansas who after I explained my circumstance, disputed the reversal and told me " no money will be coming out of your account anytime soon ''. I was shocked to wake up on XX/XX/11 and notice that indeed my account is now overdrawn by {$800.00} ecause the bank debited my account, I immediately called and spoke with XXXX from Florida who stated that she was a supervisor and saw nothing that she could do. I asked XXXX what information they used to come up with this and she refused only telling me she will have a manager call me back. I called back in that two hour time frame and spoke with manager XXXX who stated that he was a senior manager from Florida who could not provide me with any information abot what was used, only stating that the pattern did not fit fraud. I then asked form documentation used to make this decision and again there was a refusal to provide this information. XXXX reports to XXXX in Florida

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 2015-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Original Message : Because I received a settlement because of my mortgage mishandling, I 'm just wondering why my credit is still reflecting negatively when you I was advised incorrectly for years and you admitted to it. I am requesting that you removed all the negative remarks on my credit. 
Bank of America Message : Dear XXXX XXXX : Thank you for your Internet inquiry addressed to the Customer Service Department pertaining to your mortgage question. 
Please review the settlement letter you received with your settlement payment, there is a wealth of information about the settlement related to your specific mortgage. You are encouraged to contact the credit reporting bureaus directly with your loan 's information, and submit any corrections you feel are warranted for their review. 

Thank you for communicating with us electronically ; we appreciate the opportunity to be of assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not give this company permission to view my consumer report. 

SANTANDER CONSUMER USA XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Bepensa Capital, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My Vehicle was repossessed in XXXX of 2021. I never receive the notice of sale as required by Florida law. I have requested a copy of the notice of sale, and all documents related to the auction ( dates, sales price, sales type, location, etc ... ), as well as why the vehicle was transferred in Illinois according to VIN records on XX/XX/XXXX ( did a private sale occur? ). I have not received those documents, which I am entitled to receive by law. I hereby request that they send the documents via the CFPB portal and/or via email at XXXX. 

I have serious concerns as to why there is a deficiency on the loan. I need records of the accounting related to this loan, specifically how they calculated the deficiency of {$5200.00} ( reported to credit bureau ). The vehicle was allegedly sold in XXXX of 2021. The auto market was already red hot by XXXX of 2021, and I believe the vehicle was worth substantially more than what they sold the vehicle for at auction. They had offered to sell the car back to me for substantially less than what they received at auction, as full satisfaction of the loan. They received a higher sales price at auction, so why are they pursuing a deficiency?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I got off the phone with both XXXX and Early Warning. They have stated that they have verified this account as accurate. However, they clearly have not conducted their own independent investigation because of a blantant errors on my reports with each of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Accounts reported on credit that aren't mine and I didn't open them.

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 2021-11-18
Company: AMERISAVE MORTGAGE CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was approved with Amerisave for a cash out conventional mortgage. I knew there would be title issues and conveyed that at time of application. The loan officer, XXXX XXXX was rude and arrogant. He made me try to get the mortgage payoff. I have Worked in the mortgage industry for 30 years. I have never asked my borrower to get the payoff! Theres not a title company around that would accept a payoff directly from the borrower! Claimed hed have good information ( for the title issue ) prior to my appraisal being done so that so I wouldnt have to waste money- He was not able to answer any of my questions. His replies would be are you going to send what we need or not. Or I don't Have to tell you every single thing thats going on. I asked Him to clarify and hed reply I dont t know what youre confused about. Or I dont know, thats titles job. It was The worst experience. Today I cancelled my application because I could not deal with my loan officer being so rude and arrogant. Clearly incompetent. Worst experience!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This XXXX XXXX account showing Charge Off on my Equifax Credit report is not my account. I am listed as an authorized user. I have sent letters to Equifax and XXXX and neither have removed this from my credit report. It is really hurting my credit score and I need it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2021, I opened a Citibank checking account. They had a bonus offer of {$700.00} if you deposit $ XXXX. So, I deposited {$50000.00} in the checking. 
After few days, they blocked and closed my checking account anymore. I contacted customer service several times. Nobody knew what's going on kept diverting my call to XXXX where they cant understand my issue. They keep saying same thing again and again ok, Yeah, I understand Until now they have not returned my money back. It's my hard money saved for a long time and CITIBANK has stolen my money. Please help me get my money back. It has caused mental and physical agony. If this is not resolved, will definitely go to new media and bring to nation 's attention. this is FORGERY, FRAUD, MANIPULATION BY CITIBANK. They should be held accountable for their fraudulent practices

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 2021-11-18
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
RADIUS GLOBAL SOLUTION FOR XXXX XXXX {$450.00} Acct # I never received documentation to settle this dept the first i saw on my XXXX Credit Report... 
I have medical insurance and have been disputing it with XXXX XXXX XXXX XXXX And the doctor; Please Review their tachetics in this matter and remove from my credit report! 
While this matter is in process I did contact them once and got routed all over the place They gave a settlement of {$380.00} When i tried to reach back to them to send me a actually bill could get thru 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 2022-05-14
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I sent a letter to Exeter Finance on XX/XX/2022 asking for Debt Validation and full disclosure according to the Truth in Lending Act 15 USC 1631 under disclosure requirements. A letter was mailed back from Exeter but it only included a copy of a contract that was NOT created by Exeter, but by XXXX Used Cars and it was fraudulently signed. The lease does not include a right to rescission 15USC 1635 and it also states that I gave a security interest in purchasing the vehicle, which the debt collector could not properly explain. 

The letter also included a request to cease and desist all communication while the dispute is in process and they have both still communicated with me and failed to provide me with proper documentation. My credit score is continuing to decline because they are also still reporting incorrect information to all 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: ALLY FINANCIAL INC.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
ON OR ABOUT XX/XX/2015 WE APPLIED FOR AUTO LOAN AT XXXX 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 2016-10-15
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I closed on a loan with the Mortage Company, Quicken Loans, I closed with a fixed 30yr rate set at one montly rate. I had the loan since XXXX 2016, four month an now they send me a notice, stating that my montly Loan payment amount is going to increase by {$60.00} or {$70.00} per month. added to what im paying now. I cant afford it I have XXXX kid 's to support, an pay childsupport, is n't something like that illegal, I have a fixed montly rate, my insurance has not increased, an my tax rate has not, change. I have the Loan for four months. can you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card
Issue: Advertising and marketing

Complaint:
XX/XX/2017 Consumer Financial Protection Bureau / Original Complaint No. XXXX Bank of America / Claim No. XXXX XXXX Inc. / Case No. XXXX In my opinion, Bank of America and its representatives have engaged in supporting False & Misleading advertisement by XXXX Inc. In my opinion, Bank of America has a fiduciary responsibility to protect its customers against corporations that engage in wide-spread exploitation, and under scrutiny by U.S. government agencies. It is common and readily available information that XXXX Inc, is a corporation that is being sued by U.S. government agencies chartered with protecting consumer rights. 
Bank of America is a self-regulated business that should value its customer satisfaction. And protect its customers from Unfair Trade and Credit Practices. In summary, it does seem evident, that informing me of my right to be educated as a consumer, and right to seek redressal has been suspiciously absent and ignored by Bank of America and its representative. As a consumer, I give Bank of America a poor consumer satisfaction rating. In my opinion, Bank of America representative XXXX ( Resolution Specialist ) did not address this issue, which was core to my complaint with the CFPB. 
Further-more my customer service experience with XXXX has been poor, since she has been non-responsive to the phone voice-mails left by me and my representatives. XXXX list her contact information as XXXX, ext. XXXX. She stated in written correspondence that she is available XXXX XXXX to XXXX, this has not been my experience with XXXX . 
Further Evidence of Fraud / False Advertisement In written communication provided by XXXX Inc. to Bank of America , XXXX Inc. claims that I signed their Self-Serve contract. Yet Bank of America had not acquired any contract with my signature. Why? Bank of America took on face value the word of XXXX. Why? If XXXX. asserts that I signed up for a complete Self-Service, then why would they also claim to charge for an auto-bidding strategy ( listed on page 1 of 5, 4th paragraph )? Why did n't Bank of America question this glaring contradiction? XXXX. claims to provide services for 2 business locations, why would I contract for 2 business locations, when 1 of the locations was closed and I was moving to the new business location? I only have 1 business location. 
cc. Federal Trade Commission

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