BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My XXXX account was hacked on XXXX/XXXX/2017, and a gold coin was purchased for {$680.00}. As soon as I noticed this activity on my account, I contacted the merchant the same day notifying them of a fraudulent purchase and asking them not to ship which they complied with. I also contacted my credit card company the same day who started an investigation, credited my account for {$680.00} and sent me a new card. A week later the merchant issued a refund in that amount. The bank then debited my account in that amount, to even out the balance. However two weeks later the bank debited my account again in that amount. I called to complain, and was given credit, which evened the balance. Then two weeks later the bank debited my account for a third time again. My account was credited 2 times but debited 3 times.

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 2015-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I 'm trying to get a copy of a mortgage discharge from XXXX XXXX XXXX that 's out of business. XXXX XXXX XXXX 's parent company, Nations Bank, is owned by Bank of America. I was advised by B of A to contact XXXX at XXXX. This number is voice mail only and after leaving numerous messages over several months they will not call me. The mortgage was taken out by my parents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I am unemployed and have issues making my student loan payments and I was never even offered an income driven repayment option. They always told me forbearance was the best thing and that 's what they 're me up on. Now my increase of my student loans are through the roof. I have a husband,XXXX children, XXXX step children. I do not have the funds to pay them unnecessary fees especially when I was n't even offered a better option. They have used forbearance for me so many times. I do. It work right now it is hard. I do n't want to keep getting forbearance and accruing interest just because I can not pay right now.Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Navient Solutions, LLC.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company called " Municipal Services Bureau '' calls every single day at XXXX XXXX PST ( previously at XXXX XXXX PST ) and has done so for about six months. Each time an automated recording asks that we call the company 's toll free number. I understand from an internet search that this company is a debt collection agency. I do not have any outstanding debts and wish for this company to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I called BOA to settle an outstanding debt for XXXX. I was driving during the call and offered to call back when I raised the money no later than XX/XX/XXXX. I was told no problem. A week later BOA called me back and asked for an additional {$76.00}. Confused they said they did not get the post dated payment. we review the previous call and they agreed to take the money but no post dated payment. There were 2 more calls saying the settlement was denied because they did not have a source of the money which my wife was giving me. She was borrowing from another source. I explained my business was sold and i was left with XXXX in debt and was denied unemployment at this time. I am trying to settle an pay all my bills instead of filing bankrucpy. So they agreed and now 3 days later we got another call saying the settlement was denied unless we pay an additional {$76.00} more again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred to another servicer and I was never notified. I went to make my monthly payment and my mortgage account no longer showed up. I called my previous servicer Bank of America and they informed me that my loan had been sold. They stated they mailed letters on XXXX XXXX. I contacted them on XXXX XXXX. I have not received any information from the new servicer either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been making payments for many years on my student loans to a company called XXXX. Then, last fall they sold my loans to Navient. At that time I owed approximately {$12000.00} - which XXXX records will prove. Now, when Navient displayed my balance with them, they claimed I owed over {$13000.00}. I was n't sure about the discrepancy, but while looking into it I made two separate {$1000.00} payments - I am working hard to be debt free. However, since then my balance has not gone down at all. I have sent them numerous messages to figure out the problem, but instead of being honest and crediting my account and adjusting the balance to what it should be, they are now claiming I owe almost {$15000.00}. They are clearly acting nefariously and have left me in a lurch - if I pay them I will be robbed of thousands, but if I do n't they will ruin my credit and keep charging interest. They are thieves and I do not want to deal with them. Please help me. I 've worked so hard over the last 5 years to get this debt out of my life and its meaningless now if they 're just going to steal from me and use these tactics to keep me from my goal. Anything you could do to help would be appreciated. Thank you for taking time to read this. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: DISCOVER BANK
State: NV
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:
yes, you guys keep claiming that you guys have tried to call me for my account ending in XXXX. I never gotten a call from you guys or any voicemail regarding my fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016, my sister XXXX XXXX passed away. She died without a will and, other than about {$1300.00} in a checking and savings account at Bank of America, she had no assets. I paid for her funeral out of my own pocket. 

Following that, I submitted an Illinois Affidavit of Small Estate, an instrument designed and enacted by the State of Illinois to expedite payment of funeral expense in such cases. I filed this with the bank in XXXX and they ppromised to contact me no later than XXXX XXXX, 2016. They did not contact me. I contacted them about a month later and they sent me some additional paperwork. I had not heard back from them so today I called them. They stated that my affidavit of small estate was missing verbiage. They stated that they could not tell me what verbiage was missing and that I must contact an attorney. 

I am seeking the reimbursement of funeral expenses from XXXX BOA 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 2015-05-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XXXX XXXX, I sent a letter to Experian requesting that they investigate errors on my credit report. Today, almost 60 days later, I received a response from Experian stating that my request was suspicious, and they refused to conduct an investigation. They gave me a phone number to call to confirm my investigation request, but I could not reach a live operator unless I purchased XXXX of their credit products from their web-site. I am attaching a copy of the letter that I sent to Experian. You 'll be able to clearly see there is nothing " suspicious '' about my request. My letter is straight-forward, and I even included a copy of my license and social security card to verify my identity. I just think Experian is trying to get out of doing my investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-12-14
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XX/XX/2016 Consumer Financial Protection Bureau Reference Complaint XXXX, Experian Dear Representative : On XX/XX/2016 I sent a certified letter via U.S. Postal Service, to XXXX and Experian regarding a debt which was claimed I owed to a company named XXXX. {$4000.00}. The credit bureau partial account number for this account is XXXX. 

The debt was passed on to a collection company named XXXX, which I also sent a certified letter to in request they validate the debt, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ). The certified letter was also sent on XXXX via U.S Postal Service. 

XXXX 's address listed on the credit report XXXX, XXXX TN XXXX was undeliverable, which I may known to the XXXX credit bureaus listed above. In my dispute letter to them I let it be known, there is an error in the debt collectors address and this should be corrected listing a true address or the debt removed. I also provided to the credit bureau 's a copy of the correspondence of the U.S. Postal Service Certified mail receipt and letter as evidence of my attempt to get the debt verified. 

On or about XX/XX/2016 I received a response from the XXXX credit bureau 's with no change in its reporting of this date or address correction, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

I am requesting the Consumer Financial Protection Bureau 's intervention in this matter so that I may get the credit report corrected. 

Respectfully, 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 2016-03-31
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I wish to make a formal complaint about entry error on my Experian Credit Report. I wish the following entry investigated as they occurred before my Chapter XXXX Bankruptcy filed in Federal Bankruptcy Court XXXX XXXX, NV XXXX on XXXX XXXX XXXX and discharged XXXX XXXX, XXXX. 
Public Record : CA State Tax Lien XXXX XXXX / Recorder XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Reference # XXXX ID # XXXX Filed : XXXX XXXX XXXX Amount : {$14000.00} This is currently being reported on my Experian Credit File. I have already corresponded with all XXXX credit bureaus and Experian refuses to remove this item ( Report # XXXX ), Date : XXXX XXXX, XXXX. XXXX has deleted this item stating that the tax lien was relieved in bankruptcy ( File # XXXX ), Date : XXXX XXXX, XXXX. 

The CA tax lien is for tax year XXXX and the tax lien was not filed until XXXX XXXX. 
Account : XXXX Original tax amount : {$7900.00} Penalty amount : {$1900.00} Collection Fees : {$180.00} Due to this interest accumulated totaled {$4600.00} I wished this entry removed from my Experian Credit File. 
I have a perfect payment record since my bankruptcy and I feel this is unfair to my credit standing, and this negative remark of my credit reports does not truly reflect my credit worthiness to date. 
In light of this information, I feel all XXXX credit bureaus should delete this potentially negative record to avoid further confusion to potential creditors in the future. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2016-11-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I 'm requesting the support of Consumer Financial Bureau to help me resolve this issue. 
I 've sent multiple disputes to Experian regarding inaccurate personal information on my credit report and they continue to report it despite sending them copies of my documents : drivers license, social security card and a utility bill per their dispute instructions. 

This inaccurate information needs to be removed from my credit report : XXXX XXXX XXXX This is not correct. It 's not my name. 
XXXX-This is not correct. It 's not my name XXXX XXXX XXXX XXXX NC XXXX This is not my residence. 

My documents clearly show the correct spelling of my name " XXXX XXXX XXXX ''. Attached again are copies of my legal documents : Drivers license, social security card, and utility bill.

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 2021-04-04
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX have sent me a letter from XXXX that they say the debt is mine and when the last payment was I did not make the payment in the letter they claim XXXX XXXX XXXX  have deleted this debt It's fraud not me thwu don't have my Id or a signature of me signing for the debt or a contract on any of the sales on this debt because it's fraud Also this debt is passed statue of limitations The proof is in the upload documents The letter from XXXX  that states a payment I didn't make it and.its passed statue of limitations

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 2015-10-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed my XXXX tax liens that were filed XX/XX/XXXX for balances of {$30000.00}, {$2800.00}, and {$24000.00} filed with all XXXX bureaus. These liens are over 7 years old, and my legal rights are being violated with the Fair Credit Reporting Act Section XXXX 15 U.S.C. 1681c ) ( 2 ). This Act states, that liens which began reporting over 7 years ago should be removed from a consumers reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I was asked by the cashier at XXXX if I wanted to apply for a card and get XXXX % off of my purchase, said no I have a card, he said that does not matter so I said go ahead then. 3 or 4 months later I applied for a loan and was declined because I had not paid XXXX in 3 months. 
I contacted XXXX they supposedly sent a bill and it was returned. They did this 3 times? They have my phone number, should't you make a phone call to see what was wrong? 
After my last conversation with XXXX I was told they would file papers stating I was disputing this claim. I have not heard back from them yet nor have I received the credit card or a statement since I started this futile search 3 weeks ago. I had credit scores in the XXXX or so range now I am at XXXX and can not get a loan. I pay out several thousand a month in bills when statements arrive. Why would I not pay a {$75.00} bill to XXXX? 
I could be out of business because of this and do not know where to turn next. 
Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-18
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
a tax lien was placed on my report and they was suppose to take it off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
According to the IRS ; I was apart of their database breach of 2015. Since then I have seen an increase of inquiries reported on my credit. Some inquires happened multiple times over the course of the same day.

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 2016-02-03
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I sent in my paperwork to get my free annual credit report. I filled out the form and made a photocopy of my XXXX to send along with it. XXXX and XXXX sent me my credit report right away. Experian instead denied my request stating that the social security number I provided did not match their records on file and that I would have to prove my social security number is correct. 
On the letter there was also a phone number to request a credit report by phone. The number is XXXX. When you call that number it is not possible to actually get through to someone to request a credit report it simply puts you in an endless loop of a computerized system that the only options is for paid services. 
I was able to track down another number for Experian and selected paid services from the automatic menu that I thought would transfer me to a live person. After several attempts I finally found one. The woman I spoke with, who did not identify herself, was able to look up my information and she told me that there is no record that they ever received my request for my credit report or that they had denied my request. What she told me was that they must document every time my report is accessed. So it appears that they just deny every request for a free credit report and implemented a system that would force you to either be very good at skiptracing, a skill most people are n't even aware exists, or to pay for a 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 2017-01-20
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian is not properly verifying my account. I have tried to dispute with them numerous of time, but I am not receiving anything that is validating the debt listed 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 2016-04-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX XXXX and XXXX pulled my credit without authorization and has lowered my Credit Score and prevented me from receiving a much needed loan with XXXX XXXX to expand my business. This intentional error in reporting and unauthorized inquiry has caused me monetary harm and inflicted undue stress and embarrassment to my family. Further we due to the nature of the inquiry we believe that the reason for this action was punitive in an effort to lower our credit scores to make us pay more for a loan with a different contractor. 

I was approved for a loan by XXXX in XXXX. The loan had a window of six months to add the costs of the project into the loan before it closed. XXXX did not complete the project in time and when they finally finished the loan had been closed to any more charges. So at that point and without our permission, written or otherwise, XXXX and XXXX decided to create a new loan account without authorization. At that time BOTH XXXX and XXXX pulled a copy of my credit report. This was a full seven months after we agreed to be considered for the first loan by XXXX, NOT XXXX. We were not contacted other than to tell us that a new loan have been made and our old account had been closed. 

I received notification through Experian credit watch tool that XXXX had ran my credit. I contacted XXXX about it and they basically told me to contact the credit reporting agency and they would remove the inquiry as they had made an error. As for XXXX they just automatically did a hard inquiry as though I had authorized them to create a new loan, I had not. 

This is unfair, punitive, and mindless assault on my family 's credibility and financial well being. I want those inquiries removed and the damages incurred remedied.

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 2016-04-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian has inaccurate social for me, accounts listed that do not belong to me as well as many addresses. I have disputed with same results as before. I even supplied Experian my personal information which validates they have wrong information. Due to these errors they are hurting my credit score. Please help this is wrong what they do to consumers.

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