BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Problem getting your free annual credit report

Complaint:
XXXX XXXX, 2017 I tried to get all 3 of my credit reports at XXXX. It only gave me one report even after I tried four times to enter my complete information. After entering the correct capcha it would only return me to the first page to enter data all over again. I have not seen nor requested to see any of my credit reports for several years so that can not be the problem for why I was denied seeing my reports.

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 2015-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
ReconTrust - dual-tracking, improper transaction and trustee approval as NA - errors and mistakesNever sent any notices regarding foreclosure and or posted informationSome unknown/fraudulent person contacted ReconTrust and stated they were tenantsTenant/fraudulent personbeing identified -utilities companies etc. XX/XX/XXXX left according to recordsReconTrust never contacted me as the owner to confirm any information including confirming debtBank of America confirmed tenant refused relocation fee and wanted to remain a tenant? 
Recontrust should have received 5.5 months of rents from the unknown/fraudulent personI had no tenantsI remained a residentI had no deficiency there was over XXXX forwarded to ReconTrust ( appears to have been used to purchase home ) XXXX has confirmed property was sold before auction took place with XXXX person bidderI received letter for foreclosure review committee XX/XX/XXXX - respondedForeclosure review committee letter was to freeze all action until modification was complete for approval or denied - letter never received was working with XXXX XXXX and later XXXX ( escalation member ) for errors after email from management stating property was foreclosedXXXX assured me property would not be sold ( recorded with REO on the line as XXXX way conference ) as she complete recession - recording availableNOD starts after XXXX days after answer is received if no workout program was approved. 
The NOD was filed XX/XX/XXXX prior to foreclosure review committee letterThe NOT was filed XX/XX/XXXXThe declaration letter dated XX/XX/XXXX - was XXXX incorrect and false - Bank of America tried with due diligence to reach me XXXX - my number remains the same on file and addressLetter dated XX/XX/XXXX - Bank of America was still in review to complete request for modificationBank of America has confirmed my name was spelled XXXX different ways in system - part of the challenge of why modification documents were not uploaded to system properly in XX/XX/XXXX and XX/XX/XXXX prior to foreclosureI had to research county recorders and other agencies to locate documentsSecretary of State notary confirmed notary information not properly followed and people not properly identifiedI was not aware a foreclosure took place at no time as I was still working on modificationI was informed of foreclosure by building management company by emailProperty was resold less than three month for a gain of over 100,000 dollarsI have requested many documents from ReconTrust none have been received to date

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX2023 my car broke down on the side of the road. I called Chase United 's Premier Customer Service line and was hung up on and they failed to dispatch a tow truck over XXXX! phone calls over XXXX hours, under their advertised benefits for my {$450.00} / year card. 

In successive calls ( 2-8 that day ) I spoke with a supervisor and was told all they could do was transfer me to unmanned Interactive Voice Response System which required a Policy Number to complete the dispatch request for the tow truck. When Supervisor 2-8 were informed of this and I politely asked them to remain on the line while I completed the call they hung up and never provided a policy number. 

Finally, I called a tow truck myself and got towed at a cost of {$160.00} which I paid with the same Chase card and submitted via their website on XX/XX/XXXX for credit or reimbursement which they refused. 

I followed up again today by phone, XX/XX/XXXX23, and was told XXXX ) Chase doesn't handle this, DESPITE PAYING CHASE $ XXXX for this card, XXXX ) They refused to do anything and they keep directing me to ( XXXX ) XXXX that requires the policy number to complete the call despite my Chase card being affiliated with the same phone number. This is UTTERLY UNACCEPTABLE. Chase 's delay cost me 3 days of hotel ( almost {$750.00} in hotel fees ) + Rental Car fees since the car didn't get to the dealership until XXXX XXXX XXXX on XX/XX/XXXX. The issue is NOT that it took XXXX hours for a tow truck to arrive but Chase 's absolute refusal to help fix the problem. On my XX/XX/XXXX call they informed me that " Chase does not have a policy number to share, '' and when I asked " Has anyone out of Chase 's XXXX staff ever tried testing the benefits you advertise to see if you can actually deliver what you advertise for, '' they said " No. '' In short Chase is FRADULENTLY advertising " Premium Benefits, '' to FRAUDENTLY elevate the perceived benefits of a {$450.00} / year XXXX XXXX XXXX and not delivering and worse yet hanging up on XXXX phone calls over XXXX hours. 

A formal investigation needs to be opened into Chase and they should be forced to pay retribution in the amount of the annual fees for anyone that has tried using this " benefit, '' which they know they are not delivering. Pointing me, and I would assume others, to XXXX XXXX XXXX XXXX ( for a tow truck ), XXXX ) XXXX is insane. Chase is the XXXX billing and collecting for this fee and CHASE should be responsible for delivering what they are charging members for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-28
Company: BB&T CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XX/XX/XXXX I made an order online at XXXX, charged it to the debit card associated with my bb & t checking account. I realized I had done this and immediately and changed the payment method as it was supposed to go on another account for a family member. According to my check register, which i have to keep because bb & t 's online account info has always been misleading with their classification of pending, I had XXXX The order was for XXXX, and was marked as pendung unbeknownst to me. I noticed the pending discrepancy monday and contacted XXXX who confirmed that they had changed the payment and that they would not receive funds. Thinking the erroneous non charge would drop off, since it was already posted to the other account, i did n't act. I honestly had no inkling that bb & t would lock my account and post an overdraft fee with no pending status all in order to line their own pockets yet they did! When i called customer service I was bluntly and rudely told that amazon was in possession of the funds and that bb & t had nothing to do with the pending status-a blatant lie. Once I consulted documentation from bb & t and called back, I was eventually refunded the overdraft fee but the customer service representative was adamant that the funds would post the next day and I would be charged another. Of core bb & t 's pending status was released by the next morning and the funds were back in my account at the right amount. Even if id been given warning that the overdraft fee was going to be placed I would have made a deposit but they never assessed a pending status to it. Their practices are a ripoff, disreputable, and unscrupulous. In XX/XX/XXXX it was found that my grandmother who passed in XX/XX/XXXX had an open bb & t account of which we were not aware due to my dad XXXX 3 months after she passed. By the time we discovered this, because of social security scheduled deposits being suspended on death-which the bank had to have been aware of-monthly maintenance and penalty fees were assessed to a point that the remaining balance would n't buy lunch. Bb & t gladly accepted blood money and laughed all the way to the proverbial bank.

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 2023-09-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2023 After looking at my credit report, I noticed You are reporting irrelevant outdated information. 
My only address is XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Tx XXXX. 

My only name is XXXX XXXX XXXX Please remove any other address you Are reporting on my credit report as it is Not accurate relevant data. 

Due to recent find of identity theft I fear this false reporting address my also have affect on my identity being compromised. 


Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: SC
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 did not authorize any of these transactions nor do i have any knowledge of these inquires XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX, Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX, XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX EXPERIAN BUSINESS CRED Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX 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 2022-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I already lost 4 hours in phone calls trying to resolve this. On XX/XX/XXXX I called BofA to report my XXXX credit report showed I opened a credit card with BofA which I never did. 

The bofa representative did not understand my request correctly and closed my 5-year old credit card with BofA and marked as fraud. Before finishing the call he repeated the account number and I stated he made a mistake closing my account ending in XXXX but he panicked and transferred me to another person. 2 hours back and forth with fraud and customer service. No one could resolve my issue. 

On XX/XX/XXXX my statement will be due and XX/XX/XXXX I will have another statement due. I have no access to the online website anymore and could not pay my balance. 

Today XX/XX/XXXX i called again to pay this by phone. I lost another 2 hours back and fourth with the customer service and fraud. Customer service can not accept the payment because the account is flagged as fraud. Fraud could not resolve as well. I tried to speak with a manager in the fraud department. And could not reach him. 

Eventually the fraud department asked me to try to pay through an IRV system. She forwarded the call but I was disconnected. 

I am filling this complaint after 2 weeks and 2 phone calls ( 4 hours total ) trying to pay my balance in an attempt to have someone who can resolve this issue and before my credit report gets damage due to the series of BofA mistakes, ad training, and failed procedures.

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 2016-10-27
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
The school I was attending XXXX College suddenly closed on XX/XX/2016. the school works with a private lender called XXXX . Since the school unexpectedly closed I was unable to finish the XXXX program that I enrolled in. This lender still wants me to make payments on a this loan for the full amount when I am no longer in school nor did I finish the program. The school was issued {$7700.00} and only {$5000.00} something dollars of this loan was added to my tuition the remaining balance of the stipend checks that I refused were supposed to be sent back to the lender. When I contacted the lender they are telling me they never received any funds back from XXXX College. I have called numerous times and spoken with numerous agents regarding this matter and the agents keep stating that they still need a response back from XXXX and someone will contact me at a later date. I feel as if the school has taken the remaining money and has no intentions on returning. I can not get answers from the school as there is no one working there anymore to get answers on this matter and XXXX is stating that they want the whole amount on this loan to be repaid. In my school handbook it states that if the school unexpectedly that my loans would be forgiven. If you can please look into this matter I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America ( BOA ) misrepresented certain facts, Made oral promises that they have failed to fulfill and induced me into legal action which was detrimental to my legal interests and financial future. During the pendency of my divorce in 2010, BOA representatives advised me to sign a Quitclaim Deed so that my ex-husband could keep the house and sign the mortgage modification. They led me to believe that I would be removed from the mortgage after my ex-husband XXXX XXXX has successfully paid the mortgage for a year on his own. ( I have an Affidavit signed by XXXX XXXX ). I was never advised to speak with a lawyer before signing the Quitclaim Deed. BOA then subsequently agreed to a mortgage modification for my ex-husband due to the reduced earnings in his household post-divorce. That mortgage modification was agreed to and signed by my ex-husband after the divorce was finalized. Despite the fact that I was not a signatory to that agreement, BOA has continued to hold me responsible for that mortgage. BOA has never released me from this mortgage obligation as the representative stated would occur ( I have a confirmation email to BOA rep by XXXX XXXX ). Moreover, BOA then sold the mortgage to XXXX who continues to hold me responsible for a modified mortgage I never agreed to and to which I do not hold title due to the advice of BOA reps who told me to sign the Quitclaim Deed. As a result, I have suffered financially. I have been unable to individually purchase a home and qualify for a mortgage as a result of the misrepresentation and improper legal advice provided by a non-lawyer representative from BOA Despite many years of my ex-husband paying the mortgage on his own, and despite recent attempts on my behalf by my lawyer, BOA still refuses to release me from this mortgage obligation ( absent long and expensive litigation against BOA ). Nor could a family lawyer convince the Court to force my ex-husband to refinance. Nor do I have standing to file a Petition to Partition the property to force a judicial sale ( since I am no longer on the title ). Therefore, if my ex-husband never sells the property I am saddled with financial responsibility for this mortgage for the rest of my life.

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
Consumer complaint received 2017-03-14
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Subsequent to an Eye care visit covered by Insurance ( XXXX Veteran ) XXXX alleged a debt of {$270.00}. They reported to Credit reporting agency in XXXX. In XXXX PlusFour Inc. is attempting to re-age debt and refiled with Credit reporting agency.

Company response to consumer: Closed
Consumer complaint received 2017-03-07
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below:

30 days late as of XX/XX/2015

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I had an American Express Gold Rewards Plus Card.  I called Customer Service.  The representative said that I couldn't change, but that I could apply for a new credit card and cancel the Gold card.  I wanted a Green Card but the representative steered me towards a Blue Cash Every Day card even though I said I would be using the card as a XXXX or backup/emergency card.  He submitted for approval and it was denied.  This all took XXXX minutes.
I called a XXXX time immediately after to cancel the Gold Card.  The XXXX representative asked why and I explained that I wanted to downgrade to a Green Card but that option was not available to me.  She said it was and made the change.
I wanted an American Express card, but I didn't want to apply for a new credit because my credit isn't that good and I know applying for credit and getting denied further damages my creditworthiness.  I should have been able to downgrade from the Gold Card to the Green card with the XXXX representative instead of applying for a new card and getting denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: Credit Karma, LLC
State: OK
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Any time I try to acquire my credit report from any agency or company, they are unable to " verify my identity. '' I have had a credit card for over eight years now, and any time I try to check my score, I get the same response from every single company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Health care collections llc has two medical bills on my credit reports that were inaccurately billed! One for XXXX dollars and another for XXXX. Both of them should have been billed to my medicaide and were not! My insurance company had sent them a letter stating that all medical bills were to be sent to them and they did not receive it! I have disputed this it multiple times and it has been removed and re added! This needs to be removed from my reports asap as it should have never been placed there! Its not my fault there company did not process the billing correctly!

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 2017-03-03
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been repaying my student loans under the income-based repayment and REPAYE plans.  I have to recertify every year and have my monthly repayment adjusted based on my income for the year.  Until the recertification is processed, the account defaults to the standard payment amount.  

I have been begging Navient for months to process my recertification.  I called a few weeks ago to let them know my account was about to revert to the standard payment of over $2000, and I was told my application would be processed and my payment amounts would be adjusted.  I was also told what the amount would be.  That amount has not been reflected on my account, and I refuse to pay an amount that is more than 5 months' worth of payments at one time.  I have left Navient multiple messages that have gone ignored, and today they had the nerve to send me a message informing me that I am in default.  I am at my wit's end.

It is not fair that my credit might be at risk because they can't get their act together.  This happens to me every year, and it is about time that Navient gets punished for their poor service.  Please help.

Company response to consumer: Closed with explanation