BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have gotten a divorce and my ex had taken out XXXX credit cards using my financial information. They want me to get her name off the mortgage now. Last XXXX I started that process with Bank of America who holds my mortgage, while my credit was still up. They closed the process on me in XXXX with no notification at all.. I then had to go to getting a Loan Assumption because the credit cards the ex had gotten and not paid were now dropping my credit below XXXX. Bank of America told me credit rating was n't an issue with the assumption since I was already on the mortgage. They were more focused on ability of repayment, which my attorney, work comp, and Long Term XXXX carrier all sent necessary papers covering that. Then Bank of America sent me a denial letter stating my credit was n't good enough for them. They lied to me. I am about to lose the only home I have and worked for, for 30 years. My ex is trying to force it to be sold to make me move. I just had back XXXX in XXXX and XXXX XXXX XXXX XXXX XXXX, 2016. My granddaughters live across the street and my wife ran off with my best friend from church. I only have a short amount of time to get this done before she has the judge force me to sell. I just need her name off the mortgage and to assume the loan, which I was told would not be an issue then they lied and denied me. Bank Of America has been penalized here in the recent past for their wrongful and unethical loan & mortgage practices, and it seems they are at it again at the expense of us poor XXXX Veterans and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions 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:
Account name: XXXX XXXX XXXX
Date Opened: XXXX2016
Balance: XXXX

Account name: XXXX XXXX Bankruptcy

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 2016-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Using a debit or ATM card

Complaint:
Hi, I have banked with BOA for eight years and living on XXXX XXXX dollars a month has been unbearable. To the contrary, I have no support and no credit with BOA. I deposited XXXX dollars into BOA and using Debit I 've received no rewards or approved by credit. My savings account was closed and other members on this account had access to every available funds of my personal money regardless of my primary ownership. 
As an end result, discrepancies were added to my account causing me several overdraft fees. Please let me know when I can access credit or resolve debit usage!

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 2015-08-27
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Dear Sir/Ma'am, - XXXX 2014 we entered into the modification process with XXXX Mortgage and we were suddenly stop mid process and instructed to start the process fresh again with Ocwen. Over the years with XXXX we encountered endless loops of miscommunication and misinformation. This was very welcomed hopeful news to start a process with Ocwen but a personal setback to continue in this agony for my family. We were very hopeful concerning Ocwen and hope that this is was the answer to our hope and prayers to help keep us in the home we love with my wonderful family in need of financial relief. We endured 6 months of endless paper requests fulfilling every wish and need of Ocwen Loan Servicing XXXX # XXXX. 
- a few years back an unfortunate embarrassing event brought on by the demise of the housing investment market subsequently found ourselves in bankruptcy and we were struggling to remain strong as a family but we compiled our dignity back and have moved forward. As a result our marriage suffered but we struggled to rebuild our lives. I am a XXXX veteran. I have proudly put our children and family first and I have stayed employed at multiple XXXX jobs to allow our children to remain in our home we love. 
We were declined after an exhausting process due to having been through bankruptcy a few years back. Which we had respectfully pulled our family through and now face the next step which is our primary home we have been living in. This was a fact Ocwen new entering into the process and continued the process for 6 agonizing months to dismiss us suddenly based on us having been through bankruptcy. A plan that has been in place and following for over 3 years. They were well aware of this and we have the financial means now to continue with a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
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:
My dispute is with Chexsystems for continuing to report a debt owed to XXXX of {$940.00}. Chexsystems continues to report this debt owed, yet had been shown repeated proof that I signed onto the account of my mother-in-law who is deceased in order to help manage her estate. I did not become personally liable for the debt. Moreover, and insultingly, I continue to maintain an account at XXXX. If XXXX had an outstanding debt with me, would one think they would let me keep a current account with them? This is outrageous conduct by Chexsystems and only adds to the difficulties with my mother-in-law 's passing. My mother-in-law 's old debt is the ONLY negative report on my Chexsystems history and is singlehandedly prevented me from opening another checking 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 2023-03-28
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit 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:
As of XX/XX/XXXX I hired a debt consolidation company called XXXXXXXX XXXX XXXX to handle the credit card that I have with GoodYear Citibank. I hired a debit consolidation company because I have been going through a divorce since XX/XX/XXXX. I also have a court order showing that I have a trial date on XX/XX/XXXX and this is a joint responsibility to be divided or paid fully by my soon to be Ex-Husband. 

I have attached a copy of my court order and the summons they sent me. I will also be reaching out to the court house and send another copy of the court order to them. I am not able to settle this debt until my divorce is finalized and I know what I will be awarded.

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 2023-03-28
Company: SANTANDER HOLDINGS USA, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2015-06-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
We bought a mattress and springs using promotional financing from XXXX with Synchrony Financial. The mattress is a defect. The side is not sturdy on XXXX side and people roll off. and XXXX sent out an inspector but he did not spend more than XXXX minutes and did not return this product. This defect has resulted in XXXX XXXX to my family. This is unacceptable and XXXX/Synchrony needs to issue a full refund. I will not tolerate further injuries.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-06
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have been requesting a modification for a more affordable mortgage payment and and they came up with a balloon payment that will make me pay the value of my poprrty for {$50000.00} more ta than what I purchased it for. They are also charging m reinse for for reinstatement fee of {$500.00} more because I rejected their proposl. 
I have never had to pay the reinstatement fee in my previous modifications. This company needs to be investigated for their ruthless activities. My main concern is that since in the inception of this loan they have always made mistakes on applying my mortgage payments. back in 2015 they have posted a negative impact on my credit as having paid late. and after their research they found out that I had paid all my payment on time. I have proof of this Iam in constant contact with them because they keep misapplying my mortgage payments to the Escrow. I do n't know what else to do with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen has not responded as to how they are going to rectify the fact that their mistake or lie, upon which we relied and made financial decisions, will cost us a considerable amount of money, more than {$85000.00}. Did they lie to keep us in the house at a time they were being investigated and did not want a foreclosure or deed-in-lieu? Their attorney suggested this. We stayed in the house with a non-recourse loan, spent {$50000.00} on it and it needs another {$60000.00} spent on it and did not move to a new home without {$90000.00} in negative equity because they told us we had {$85000.00} in forgiveness or equity. Then 2 years later, when asked for paper work they told us we did n't. This not just about money, but also heart break. By my calculations, today this deception would cost us over {$200000.00}. Where is our restitution? Is their a group or agency I can go to, to pursue this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Keystone Credit Services LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not give anyone authorization to have access to my credit and or to miss use my personal information and would like it to be removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: CA
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the credit reporting agencies didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
An account with JCPennys was opened in my name in XXXX. The last negative activity was XXXX. I did not open this account. I have spoken with they fraud department numerous times and they have told me I can " dispute the account '' with no resolution each time. They sent me paperwork in XXXX which I filled out and sent back. I thought it had been removed. They now tell me they have no way to see if they ever received that paperwork. I am now purchasing a home and had about to lose my home as this account is reporting XXXX times on my report and affecting my credit score by XXXX points! The original account had XXXX names on it. Mine and someone else. The XXXX collection on my credit report is with both names. The XXXX collection on my account is in my name only. They have told me they would not provide me with any documentation. They told me the only thing they would do is request documentation and they may get something, they may not within 90 days at the earliest. They will not give me the names or even the account number or anything. I have requested verification over XXXX times over the past 7 years and they refuse to give me any information. I have also disputed this account on numerous times over the past 6 years. They are reporting on each of my credit bureaus XXXX times, once as JCPennys, once as their in-house collection division called XXXX XXXX. They are reporting as a paid charge off, paid collection, charge off and collection.They are very rude every time I speak with them and keep sending me bills for the account and calling repetitively about the amount due yet will not help in verifying the account, sending me any documentation, or anything. I am in escrow in a home now and am about to lose my home as I had no idea this fraudulent account is still reporting numerous times on my credit report. I have attached the documentation showing all the different ways it is reporting on my report as well as the documentation from the credit bureaus showing how much it is affecting my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: NY
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:
on XX/XX/XXXX I sent a letter to experian, XXXX and XXXX to dispute a XXXX ( Account Number : XXXX ) its been more than 30 days and they have not responded also they are reporting inaccurate information on my report. I have not gave permissible purpose for this account to be reporting on my report. under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave experian, XXXX and XXXX any written consent to report anything on my consumer reports no consent is FRAUD .I demanded to see verifiable proof with my signature on a contract and written consent I gave experian, XXXX and XXXX XXXX report for the account listed below on my consumer report. and they never did they had 30 days and did not XXXX ( Account Number : XXXX ) also it is reporting inaccurate information says there is a balance but I have receipt that the balance was already paid

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 2015-08-01
Company: SYNCHRONY FINANCIAL
State: MA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I opened a savings account on XXXX XXXX with Synchrony Bank. My first statement, covering the period through XXXX XXXX, reported an average daily balance and an earned interest that were substantially lower than my calculation. I called the bank three times to inquire about this. Each time, representatives quoted the same method for calculating the average daily balance as I had been using ( " add each day 's balance and divide by the number of days in the statement period '' ), but were unable to address or account for the numerical discrepancy. On each of the three phone calls, the representative assured me that a person able to address my concern would call me back in the next 3-5 business days. No one ever called me back. 
There were no discrepancies in the calculation of the average daily balance or earned interest for the following statement period.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XX/XX/2015, a credit card was opened with this lender using my social security number and date of birth under a different name that is not mine nor a name that I have ever gone by. I found out this past week that I became a victim of identity theft and have since contacted this lender and XXXX, XXXX and XXXX to flag my credit file for fraud. I have never had an account with this lender.

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 2016-06-22
Company: FIRST NATIONAL BANK OF OMAHA
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A debt collector from ( XXXX ) XXXX called me at my work phone number and cell phone number. They says that they are collecting for Bank of Omaha. 

They never attempt to send me a notice because they do not have a mailing address for me. I asked them to contact who they are working for and get the mailing address they attempt to send mail to. 

The debt collector refused to contact the bank to get a mailing address. They threaten to leave voice messages on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There are unauthorized businesses on my credit report.

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 2021-07-28
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have requested that the charged off credit card no longer be reported on my consumer report. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

You must comply with my request for privacy by no longer reporting this account and making it accessible in the public domain.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I took out a {$10000.00} student loan from XXXX in XX/XX/XXXX. I finished school in spring XX/XX/XXXX. After I graduated, I was unable to find a job to begin making payment on the loan. After being harassed starting 3 months after I graduated, the loan was finally defaulted on after a few months. Eventually after finding a job, I still was unable to make payments, but the loan had been handed over to navient. The company was unwilling to do any type of forbearance or deferment to help reduce the payments. Currently, I 've tried again to help fix the issue but I 'm completely unable to even speak with anyone from navient. I 'm automatically transferred to a 3rd party for collection. The collection agency offers settlement options that are competent unrealistic. They offer me a settlement ranging from $ XXXX {$8000.00} or a payment plan to reduce to the interest rate. As they said he current interest rate, the monthly payment would go only to interest and never touch the principal balance. The issue with the payment reduction plan is that it requires too much month up front ranging from $ XXXX {$2000.00} and then followed by monthly payments that are unaffordable. I just want to clear up this debt or get help with repayment from NAVIENT because the 3rd party collection agency ca n't even negotiate the terms of the settlement. No one would benefit. But on the other side NAVIENT is completely unwilling to communicate with me to discuss options. And they still currently service the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On XX/XX/2022 I sent letters to have some personal information that was inaccurate on my credit report removed however Experian and XXXX has been seemingly ignoring my request.

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