BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-13
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a situation where I have two mortgages that were passed/sold/given to a mortgage servicer during XXXX time when XXXX XXXX XXXX XXXX collapsed. The servicer was XXXX XXXX, which morphed into XXXX which has since morphed again into XXXX/Loancare. The first two iterations were the same people & I suspect the current company has some or all of the same employees as well. During the time I was stuck with XXXX XXXX I had 3 different attorneys on them due to their outrageous behavior that was borderline criminal. No, I'm not exaggerating or making this up. Now I find myself in a situation due to the Covid pandemic where I've applied for help with the current servicer XXXX XXXX/ Loancare & have heard nothing. I applied on XXXX XXXX on their website for Application for Forbearance & both were accepted. I have the receipt confirmations for both. Their site stated that at the outside they would contact me in 3 days I'd have a determination on my two loans which are held by XXXX XXXX. That was 3 weeks ago. To date I have not received a response back. They did manage to find the time however to raise my mortgage payment for one property for escrow. Seems they have time to send me notification of that but not respond to my valid applications. The economy is locked up, I've had a direct loss due to this, prospective clients are not working hence unwilling to pay me. I can easily see a scenario unfold where I'm still waiting for them to respond & have not & I'm at my next payment due date of XX/XX/XXXX. Both mortgages are current & have NEVER been late, with anyone EVER. I've directly contacted the State of Michigan who referred me to XXXX XXXX XXXX XXXX who referred me to your agency. I also tried calling XXXX/Loancare & the phone was not answered. It had a voicemail loop directing me back to website so I could apply online which I'd already done. To say I don't trust these people can't begin to describe my concern. 

Thank you for your time & assistance.

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 2015-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Bank of America is changing the account 'type ' that I originally signed up for and the resulting fees are significant. With little notice, BofA is requiring a balance of {$2500.00} for me to maintain my account 'level ' which came with essentially free access to the bank and free checks. Now they intend charge {$25.00} each month for me to maintain that account at BofA. Also, the line of credit linked to my account will assess a fee of {$10.00} per transfer. This was previously free. These new fees are unacceptable and I do not think it is fair or legal for them to force me to downgrade my account and limit my access to the bank and my money. 
By analogy, this is like buying a new car from XXXX with power windows a few years ago and then hearing from them today that they want to remove the power windows 'benefit ' from my car. If not, they will charge me {$10.00} or {$25.00} each time I want to use the power windows unless I buy a new 'plan ' for {$2500.00}. 
By comparison, the other banks ( and credit unions ) I have funds with are not charging fees for this access to my money nor requiring minimum balances or 'direct deposits ' so I question the legality of the new requirements and fee structures. At a minimum it is poor customer relations not good business. 
My attempts to resolve this with BofA have been rather time consuming and somewhat fruitless.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-20
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I had a student loan with XXXX XXXX that was purchased by Navient. I was late with a payment. I spoke with a representative to pay of the loan, and in the interim another representative started calling friends asking how to get a hold of me to make a payment. This was embarrassing and frustrating, especially when I had paid the loan in full. This is unacceptable business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: JH Portfolio Debt Equities, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
JH portfolio violated their no contact order and sent a letter in the mail to me on XX/XX/XXXX, AFTER they were ordered by the judge to CEASE AND DESIST. I filed chapter XXXX bankruptcy with case XXXX FL on XX/XX/XXXX and the case was discharged on XX/XX/XXXX. However, JH portfolio drafted this letter on XXXX/XXXX/XXXX and mailed it my home AFTER my discharge. The creditor was contacted in XX/XX/XXXX and scheduled to appear at my meeting of the creditors on XX/XX/XXXX. JH Portfolio were a no-show, therefore discharging my debt.

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 2022-08-05
Company: Experian Information Solutions Inc.
State: IL
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:
I am XXXX XXXX, and I am submitting this complaint on my behalf I been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these account violate the FCRA and FDCPA these accounts must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01
Company: Kashia Services
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2019 I requested a personal loan of XXXX for some unexpected bills. The agent didn't clearly explain to me the interest rate or what amount I'll be paying back. To my understanding I was told I'll be paying back a small amount on top of the loan I'm borrowing. Due to the amount of time for processing she stated I have three minutes to complete the application in order to receive the funds by the time deadline. The agent then had me to rush to complete my signature and stated I can read the agreement on my own time. I have paid a portion of the loan I borrowed and will now go into the interest rate of the loan payment which is more then what I expected {$5000.00} of XXXX I borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I attended a college named XXXX XXXX XXXX in XXXX, but that school got closed. There 's no information and no transcripts. It 's like I never attended. However, they worked with XXXX XXXX, which later became Navient. The school took the money, but then disappeared. XXXX XXXX XXXX became XXXX. Apparently that school also closed. It is now XXXX College. It seems that the school keeps disappearing after taking money from a private loan. I 'm now told by Navient that I owe them thousands, but I feel the school should be the one paying Navient since they closed and disappeared. Yet I feel that Navient and that school worked together to take away from the people. They expect me to pay, which I do n't feel I should do because I feel that Navient and the school worked together to scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
I had submitted a dispute to Experian on XX/XX/21 regarding XXXX XXXX. I received and Email to the email they have on file XXXX on XX/XX/21 stating they received my dispute. After that I did not receive any notification or status, on XX/XX/21, 30 days after called spoke to XXXX an Experian representative with reference # XXXX who stated he did not see anything on file. So i asked XXXX if I can speak to a manager or supervisor he stated is unable to but to give him my phone number, which I did its the same one they have on file and since then i have not received a phone call or an email regarding the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
It has been past 30 days sine I have sent a letter to the credit bureaus regarding inaccurate and unknown things on my credit report. They didnt do anything about it until now, I can see those things on my credit report. Please let me know of whats going on. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Credit line availability increase request - On XXXX/XXXX/XXXX, I requested Bank of America evaluate my current credit availability on my credit card for a potential increase in limit. I submitted a simple form online which asked for basic info like annual income. During the process, I was not asked for Bank of America 's authorization to make a hard inquiry on my credit. However, the credit line increase request resulted in a hard inquiry which had a negative impact on my credit score. 
- On XXXX/XXXX/XXXX, I called Bank of America to request that they provide me with the documentation which supported my authorization of them to pull my credit report. The representative told me that they didnt need my authorization to make a hard inquiry 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 2020-04-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/2020 To whom it may concern : I have a credit score of XXXX with XXXX, XXXX with XXXX  and for some reason XXXX with XXXX, i get transferred around nothing gets done. 

For one i spoke to several representated and people in documents they claim i can't get my score over the phone. I got turned down for a car they stated my score is showing as XXXX even lower. 

So what i think is happening is if my score is actually higher with Exquifax the  information is not being distributed correctly and shared. I pay XXXX with XXXX  for all 3 reports its showing XXXX and XXXX as my score. I have worked very hard to get my score over XXXX and continue on to XXXX and XXXX but i keep getting turned down because of faulty information being reported from Equifax. 

They say nothing is wrong but 3 different places sent me a letter showing my score as XXXX with equifax so common sense tells me, that what they see at equifax may be  higher but its not showing to companies and individuals requesting my credit score so something needs to be done i can not be 129 points lower than the other 2 credit bureas that is not possible. I have 5 posiitive accounts going on every month so there is no way my score can be XXXX. 

Finally i was told to order my score and report thru www.equifax.com and get the paid version XXXX i tried that and the questions they asked me were not accurate, i never heard of 2 of them and so i was denied access, can they please update my questions they asked me first question about some mortgage loan i had i never had a mortgage so i keep getting this question wrong, these questions need to be updated, its like there version is very very old, when im on the phone with a rep i pass the questions they are current but the ones online are inaccurate and im unable to get my score. 

I am beyond frustrated with equifax and need some answers and for them to update the questions and I have an account car with XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  with positive reports every month, People requesting my credit score are seeing scores of XXXX. I also had an old landlord XXXX XXXX who is not permitted to get any information on me. I should not have any freezes or frauds on there i thought maybe that is why nothing is updated. 

Fix this score error we all see I copied and pasted this i see online for my equifax score. as follows : 300 850 Poor 300 - 579 Fair Good Very Good Exceptional XXXX Learn more Equifax dataXX/XX/2020. 
Equifax XXXX Score XXXX  based on Equifax data as ofXX/XX/2020Your score is well below the average score of U.S. consumers and demonstrates to lenders that you are a risky borrower. 

Please assist me with this matter. 

Regards, XXXX XXXX XXXX, XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX social is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Continue to switch debt collection agencies. Each debt company states that they are working for American Express but continue to contract my family members and act like they have no information on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Bank Of America 's Risk Dept sent me a letter XX/XX/2016 informing me they were closing my XXXX bank accounts we had with them. XXXX business and XXXX personal accounts. No explanation was given for their decision to close my accounts after 35 years of doing business with them. 
Bank of America sent cashier checks for the balance in XXXX of my accounts. At this time {$1200.00} was not sent. I am being told by their fraud dept. I am on camera at XXXX, in their XXXX branch receiving the money at the teller 's window.I am being told by their fraud dept. my ATM card and pin were used in the same transaction.I have documentation to substantiate I in fact was on a XXXX XXXX flight to XXXX XXXX at the same time. 
Bank Of America is refusing to release my {$1200.00} dollars to me. I believe XXXX in Bank of America 's Risk Dept is responsible for the " missing ' money.I spoke to XXXX on XX/XX/2016 at approximately XXXX-XXXX at Bank of America 's XXXX XXXX XXXX branch .I was demanding they release my money to me from my personal closed account. I needed my money to cover a check written from my new bank to cover a business rent payment. XXXX said NO. " I had been made aware of the need to have my money out by XX/XX/2016. 

XXXX from B of A 's fraud dept. stated I took the money out at XXXX on XX/XX/XXXX. At XXXX on the same day the money was still in the account. My bank statement shows the money being taken from the account on XXXX XXXX, from XXXX branch teller window.Their fact contradict themselves. I believe Bank Of America is deliberately keeping my money.The local sheriff dept is not being helpful.The Sheriff were told by the branch manager I was in the branch and received my money.I find it necessary to hire a legal firm to assist me to obtain my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: Block, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This involves Cash App Someone used my phone to received their authorization code to open up a Cash App account. I want the acct closed I do not have a Cash App acct myself and do not wish to be associated with one I have called repeatedly but no live person I have emailed repeatedly but they do not get the issue I believe this went down XX/XX/13

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have previously disputed the mortgage reporting by Bank Of America on my XXXX mortgage during my chapter XXXX converted to XXXX and discharged bankruptcy.They have responded that they reported correctly and experian has done a supposed investigation and claim verification.In XXXX 2015 Bank of America and XXXX XXXX XXXX entered into an agreement with the FTC concerning them reporting discharged accounts as still open and not discharged.I am asking that they abide by what they told the CFPB in their agreement they would do that was supposed to be done by XXXX XXXX am uploading my proof that they are reporting false information number XXXX that i was late and that an account that was transferred to XXXX was charged off.This same account has now been transferred to Ditech.Seems like a lot of reporting for a charged off account, that i am still paying.I am requesting that Bank of America XXXX XXXX and XXXX all correct my credit reports with all XXXX bureaus to reflect this is a discharged account with no late payments and no charge offs.I am astounded that the CFPB can not even get these companies to abide by agreements they make directly with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
XX/XX/XXXX. This loan modification process has been going on since XXXX I have paid my trial payments in full, on time and have continued to pay. At least {$20000.00} in fees remain indecipherable. Both you, CFPB, and Bank of America ( BOA ) claim to have resolved or solved this mystery of these indecipherable, erroneous fees. You have not cleared the way for any professional to understand BOA 's documentation of monies. This may be BOA 's SOP, but again, unreasonable, indiscernible, and cryptic. Fair resolution : remove these thousands of dollars of fees and let us press on to modification in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2020-04-04
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Barclays offered me a balance transfer with no interest until XX/XX/XXXX. I transfered {$1900.00} from another account on XX/XX/XXXX I was charged a balance transfer fee of {$59.00} ( which I agreed to ) and {$3.00} intrest on XX/XX/XXXX. When I complained about the interest charge the response was " Upon review of your account our records show the promotional offer for the 0 % until XX/XX/XXXX has not been accepted. '' If they were not going to accept their own offer they should not have transferred the balance!

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 2022-04-14
Company: AmerAssist A/R Solutions, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amerassist AR Solutions has placed a collection on my credit profile claiming that I owe {$1300.00} to XXXX XXXX XXXX. I researched XXXX XXXX XXXX and found out that they are some sort of dental company. I have never had and services done by XXXX XXXX XXXX. I reached out to Amerassist over 60 days ago via certified USPS letter ( I attached a copy in the CFPB document portal showing when they received my complaint ). They have yet to respond. What they did was buy some erroneous debt for pennies on the dollar in hopes to turn a profit from it. They obviously didnt try to verify this with any official documentation. This company is HORRIBLE. Every time I call they give me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I Made all payments to Bank Of America 8 Years Ago And they are Refusing to remove me from XXXX and XXXX A System that want allow you to open any bank accounts they have lied to me over and over stating once its paid they will remove me from these system and have not done Can some one please help me.

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 2015-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The monthly statement lists the New Balance Total, Total Credit Line and Total Credit Available. I have not accessed the credit line in years but called today to request money from the credit available. I was told the account was closed and I could not access any money. 
The statement is deceptive and misleading. All this time I considered that available in the event of an emergency. I call today and only need XXXX of what is stated as available and told no, there is no credit available.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation