BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America modified my loan in XX/XX/XXXX. I made my payments as scheduled in the amount due shown on the notarized form. Almost a year later, Bank of America sent a payment back to me stating I was n't paying the correct amount and that they were putting my home into foreclosure. I have had problems with this mortgage company ever since. Bank of America was most recently supposed to be " working with me '' to modify my home loan to prevent foreclosure / remove my home from trustee sale slated for XXXX. Bank of America asked me to submit documents, which I submitted and I have been waiting for more information from Bank of America. Today, I found a " written demand of surrender and possession '' notifying me that my home was SOLD at the trustee sale on XXXX. I have contacted many people this morning at Bank of America, to no avail. They have told me to " call the foreclosure attorney '' listed on the notice. I contacted the person listed on the notice, who is not an attorney, who states I have 5 consecutive ( not business days ) to vacate the premises. The contact person states " this happens all the time '' - the Bank tells the home owner they are going to work with them and then they sell their house. 

I have had ongoing issues with Bank of America since they purchased my loan. I only want to pay my mortgage / stay in my house that has been my home since it was built in XX/XX/XXXX - and now I 'm told I have 5 days to vacate and there 's nothing I can do about it!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have an auto loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.

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 2021-02-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this 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 2016-08-08
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I contacted the Omnbudmans Office over a year ago about a problem I have experienced concerning my loan. I did everything your office told me to do over a year ago and am still having problems. I resubmitted the paperwork and made the corrections as instructed and they still tell me I am missing dates or paperwork. I told the Sallie Mae Rep- resentative my paperwork had been reviewed by your office and was told to resubmit it by the individual in your office with some minor corrections to the addresses of the schools street address. I do n't know what the problem is. I do n't remember the person I spoke with by name because she told me I should not have any more problems. That was over a year ago and I still am receive harassing calls from them. I have explained scenario them several times and it seems to not do any good. I am a XXXX and have been for the last fifteen years and was seeking Loan Forgiveness under the Title I program. They tell me I have gaps in my years or something is wrong with the way I filled something out or they are missing a form. After I spoke with someone in your office I followed process to the letter of what I was supposed to do. Still having issues with XXXX /Sallie Mae . Could you investigate this matter again for me Any information you need me to provide I will be happy to do. Maybe my last request for assistance may still be in the files in your office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Upon checking my credit report a year ago, I found several mistakes that were on my credit. Since these items were obvious fraud or mistakes by the bureaus I hired a credit repair agency to handle the issues on my behalf. It has been close to a year and they have not been able to remove the errors. Someone recommended to me the Consumer Finance Protection Bureau. I hope your company can assist me in getting these fraudulent items removed from my credit report. 

The errors that are reporting on my credit report are from the following companies with whom I have never associated with : XXXX XXXX, XXXX, XXXX 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 2016-02-22
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I recently pulled my credit report and had XXXX acct listed as being in collections, I wanted to gather information about the debt so I contacted the collections agency listed on my CR. The company Jefferson Capital XXXX informed me that I needed to speak with their collections division XXXX. Upon speaking with the Rep assigned to my case she informed me that since I requested debt validation when they called me XXXX that my acct was in dispute and could discuss my acct unless I sent a email saying I no longer dispute, I complied with the request in an effort to gather further information. The Rep told me she would call me back once the dispute code was removed by another dept, before the call ended I asked her why they never provided debt validation to me she said it was due to them not being able to verify my address. I told her that seemed odd seeing that they had my phone number and their client had pulled my CR several times in the months before my request, she was unable to provide valid reasoning and the call ended. This conversation took place on XXXX/XXXX/XXXX at XXXX XXXX she never called me back so I called her and was informed the required actions had not taken place and she would call back once it did, again I complied but at XXXX est I called back and spoke with a different rep named XXXX who informed me that the previous rep neglected to inform me that they did request debt validation from Jefferson Capital Systems and within 2 days of my request XX/XX/XXXX, Jefferson Capital Systems advised XXXX XXXX to cease collections activities immediately as they could not validate the debt. It has been 5 months since my request yet Jefferson Capital Systems continues to knowing reporting negative information on my CR causing me to be denied credit. I emailed both companies shortly after ending my call with XXXX at XXXX XXXX and outlined the law as stated in the Fair credit reporting act and ask them to stop their activity instead of doing the right thing they had a rep contact me today in an attempt to collect the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
On XXXX/XXXX/05 we took a Tuition Answer Private Student Loan thru XXXX XXXX which has since been sold / serviced by Navient. We have just discovered that my daughter, the STUDENT, is listed on this loan as a co-signer along with my wife. I have asked Navient to remove my daughter as she should have never been there in the first place because she was the student. My credit has had some damage in the last few years due to caring for ill, dying parents ( which I informed Navient with my release request ) and they have denied releasing her. I have asked for copies of the original paperwork showing my daughter, the student, put on this loan as a co-signer and I have had no response from Navient as of today. I think that a paperwork error was made at the onset. Only recently, when my daughter tried to refinance her own student loans did we discover this problem. The people at Navient do not know what they are doing, and not willing to help. they read from a script and are unwilling to take an extra step. I have been dealing with them for years on deferrments, forbearances, postponements, etc. and have had nothing but misery trying to deal with these people. I just want my daughter 's name removed as a co-signer. My wife will remain as a co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was notified by form letter via USPS by XXXX XXXX County Treasurer on XX/XX/XXXX that my property tax payment had not been received for a payment due in XX/XX/XXXX. 
I had mailed the check in person from the Post Office on XX/XX/XXXX. 
The check cleared my account at Bank of America on XX/XX/XXXX. But when I requested a copy of the check and examined it, I realized the Payee 's name had been altered and the check in the amount of {$13.00}, XXXX was cashed fraudulently. I assume the check was stolen en route between the Post Office and the Treasurer 's Office. I immediately notified Bank of America and filed a police report with City of XXXX XXXX where I am a homeowner. 
According to the bank manager I spoke with at my branch, the check was cashed by the bank with no identification. My report and request to Bank of America was denied due to the fact that I reported the theft after their 60 day limit. Because the check was cashed for the amount I wrote it for and there was no other fraud and I was not notified by the County Treasurer until XXXX, due to national Covid emergency, Bank of America refused to reimburse me for any stolen monies through no fault of my own.

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 2021-02-16
Company: Square Inc
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent {$500.00} to a third party which cashapp facilitated. It turned out to be fraudulent, and when I asked cashapp to reverse the charge they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Premier Portfolio Group
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company keeps calling and threatening that I will be sued or arrested if I do not contact them within 24 hours. They will not validate any debt and when you question anything they hang up on you. If this is a valid debt they need to validate it. If it is not a valid debt they need to stop calling. Also they need to stop using threat tactics to try to collect a debt. They say their name is Premier Portfolio and they call from many different numbers from different states. They have told me that they can not provide with the name of who the original debit is owed to. This is information that by law I need to be provided. This company needs to stop calling people.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX, I tried to open an account with XXXX. I was denied and told to contact XXXX Services for the reason as to why. Upon contacting this company, I was informed that my checking status was in good standing, but I was being flagged because my social security number is being used as a Business Tax ID at Bank Of America. I have contacted Bank of America numerous times, only to be told to go here and there and to do this and that, but they were unwilling to resolve this issue. I have never banked with Bank of America nor do I have or have ever had any type of XXXX account. I was told by Bank of America to go into XXXX of their branches and tell them to be removed from a duplicate XXXX ID. Upon doing so, Bank of America then told me that I needed to contact the IRS about my social. I contacted IRS who told me that my social is not and was not flagged and to contact Bank of America since they are the ones who has my social mistyped as a tax ID. Upon contacting Bank of America again, I was then told by customer service to contact my Financial Institution which is XXXX ( I have been a loyal customer to XXXX for XXXX years ) and file an identity theft Affidavit. I went into a XXXX Bank branch on XX/XX/XXXX and filed an identity theft affidavit as I was advised to do. Today, XX/XX/XXXX I contacted XXXX of the Identiy theft department of Regions who advised me that I needed to contact Bank of America yet again and possibly file an Identity Theft with them since they are the ones who potentially transposed my social security number and used it as a business tax ID. So, i proceeded to call Bank of America yet again after XXXX phone calls total, only to have them type in my social security number yet again and tell me that it is still coming up as a Business Tax ID number with someone else 's name and a different state and told me to contact my bank ( XXXX ) to start identity theft so they can remove the Tax ID from my social. So, After the numerous back and forth efforts I decided to file a complaint because no one is helping me due to something that is to no fault of my own. I have never banked with Bank of America and I have never had any type of business. This is affecting my life because I ca n't conduct my personal affairs for being flagged for something that I have no knowledge of.

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 2016-10-13
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Car was repossessed in 2009. The account went to a collection company which I paid. Now currently, Jefferson Capitol has recently added the debt to my XXXX and XXXX credit files. I have never heard of or received anything from this company. I paid a different company back in 2009. This company just re-aged a paid account from another debt company and reported it on my credit which I know has to be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: Navient Solutions, LLC.
State: VA
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:
Sallie Mae or their XXXX company is lying on my consumer reports that my accounts were delinquent when in facet they were paid by the US gov. On time during deferrment & forbearance. I 'm on XXXX & I have proof that they were to clear me of all loans & was paid by the XXXX XXXX XXXX XXXX to do so. their delinquencys on XXXX accounts are affecting my credit & I want them removed & reported postive by law. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am writing today in regards to my account with Syncb/amazon account # XXXX the reason for me writing in is because I have 2 lates reporting 1 in XX/XX/2020 and XXXX in XX/XX/2020. I have been impacted by the natural disaster declared by FEMA, Covid which has impacted me has effected my ability to make those payments. As soon as I was able to I got those payments made.

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 2021-02-16
Company: Sequium Asset Solutions, LLC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Good morning, I have previously submitted the dispute for deletion of the collection account from my credit report reported by sequim asset solutions in the amount of XXXX , and this account again appeared on my credit report. this account now reported by a company called XXXX XXXX, but this XXXX account opened fraudulently under my name, I have left the USA back in 2015 and I physically could not open this account. also, I am including supporting documents to prove that I was not in the US when this account is open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XXXX XXXX 2016 I contacted XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX by phone and informed a salesperson that they had a car I would like to look at for my wife. I informed the young lady that I would be in in the morning with the cash and would buy the car if it were " as advertised ''. When I arrived the next day I found they had sold the car the day before despite being told at XXXX the XXXX prior that the car was still there. They tried to sell me a more expensive car and I left without doing any further business with them. I later found out they they had run a credit inquiry on me without my permission or authorization. Upon logging into XXXX to post a review of this business I found that I was not the only person this has happened to. When I called the dealership and spoke with the manager I was informed he had my " digital signature '' allowing them to do this. I did not give them anything permitting it. He stated he would have someone contact me. No one did. I called again and was given the run around by another individual claiming to be a manager. He was no help either.

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 2016-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I have home equity loan with Bank of America. The loan was a 10 year term loan that expired in XXXX, XXXX. Since XXXX, XXXX, I have been discussing with the bank to redo the loan, so in XXXX, XXXX the representative at Bank of America told me the quickest way would be to modify the loan. By there estimates it would take no more than 60 days. Dating back to XXXX, XXXX to XXXX, XXXX, they just recently sent my application to their underwriters. Hence they have reported the loans to the credit agencies as past due, while I have been told to continue to pay the loan and it would not effect my FICO score. This is not the case my FICO score has recently dropped XXXX points from XXXX to XXXX. I have been mislead throughout this whole process and now it has become a serious issue impacting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
After checking XXXX XXXX on XX/XX/21 to see both my XXXX and Equifax credit scores, I saw that I had a XXXX and XXXX respectively. As such, I applied to XXXX XXXXXXXX XXXX ( XXXX ) for a credit card. I was immediately rejected which seemed odd to me given my scores. When I got the letter from XXXX explaining the decision, I saw that Equifax had reported my score to them as XXXX -- an almost 80 point discrepancy to what they had reported to XXXX XXXX. As such, I attempted to call Equifax to figure out the reasoning and file a dispute if necessary as provided under the Fair Credit Reporting Act ( FCRA ). After finally speaking to an agent, I was told that Equifax could not verify my identity and to try the process online. I requested to speak to a supervisor as the online verification system would be the same as the phone system. The representative repeatedly refused and told me I could only go through the online process. Sure enough, the online process also could not be completed. I have currently been on hold for 30 minutes attempting to speak with a supervisor to try to find an alternative way to verify my identity. I am unsure as how to proceed at this point as I have no way to correct any information that could be causing this problem nor any way to file a dispute, both of which are violations of the FCRA. Additionally, the information I provided to Equifax was the same information I provided to XXXX. I am unsure as to why Equifax is able to verify my personal information to share with a corporation but unable to verify my identity when provided the same information by me.

Company response to consumer: Closed with explanation