BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-04
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding unauthorized inquiries on my credit report to this day 10 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 605b it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt it has been over 5 days after the date of receipt so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Jefferson Capital Systems has reported a collection on all XXXX credit reporting agencies. I have sent debt verification letters to the address listed here on XX/XX/XXXX and XX/XX/XXXX with no response. I never received a letter or statement from Jefferson Capital regarding this issue. The dates stated on this account are innacurate. I did not open an account with XXXX in XX/XX/XXXX. I have not had any dealings with XXXX since XX/XX/XXXX and the account was settled. This account seems to be closing and re-opening on my credit file. This company is stating that I owe the amount of {$830.00}, but no proper validation has been received. I request that Jefferson Capital verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all credit reporting agencies. Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I used a moving company that charged my card for a lot more than the agreed amount. I notified my bank, and disputed the partial amount of {$260.00} that I was overcharged for. I did not have paperwork, as I was told it would be emailed to me. It was not. They did not remove the amount, even though I did everything I was able. 
I would like to note that out of the thousands of transactions I have done with my card, I have only disputed XXXX transactions. XXXX. The other I had a nightmare with, and I had actual documentation! They do not listen or actually take in account what is told. I was also hit with NSF fees due to this money being pulled back out of my account. I was overcharged and I want my money back.

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 monetary relief
Consumer complaint received 2015-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
We 're in the process of buying a house in XXXX. We 've lived most of our lives in XXXX, but unfortunately had to make the decision to move because of health related situation. We started the application process on XXXX XXXX, we have submitted all of the official documents that were requested by the loan processor as well as the ones that were requested by the loan originator. Some of our documents are in XXXX, but the associate who was the originator of the loan assured us that that would n't be a problem because they do have XXXX speaking employees and that she used to work in XXXX XXXX for the bank were we had our bank account. By the beginning of the loan application we set XXXX XXXX as the closing date. The mortgage was being handled by an associate since the beginning of the application, and about a week an a half ago, it was changed without notice. This new associate, which was assigned to the loan process because he speaks XXXX, have made remarks like the loan process is taking longer because " there 's a language barrier '' to the transaction coordinator of the Realty company who 's representing us, when not only me but my wife as well speaks XXXX, he has questioned why we want to move to the United States, even though I 'm a XXXX citizen and a XXXX Veteran, and asking " why after XXXX years living in XXXX, XXXX you want to move to the United States '', in which from what I understand he should ask in a non specific way, and he has questioned even a transaction for {$9.00} for a purchase of Chinese food, just to make the process even more difficult to us. Documents are being submitted not only through Loan Mortgage application website, in which he 's in charge to verify and add notes when the customer uploads documents, or in case there 's a specific document needed, in which he has n't update any of the notes he wrote the first time he did, not really letting us know what is wrong with the documents we submitted, or is he want a different document instead, and through the mortgage originator. We have submitted our tax information, social security statements, my retirement pension information, my VA Certificate, and non of it has been enough. We already sent our stuff to XXXX through a moving company and shipped our car, and they told us we would not be able to close on the house today. We have the credit and the assets to cover the loan, and we have even chose and signed the terms and interests on the loan that we want, but we still waiting for them to finish the process. We might even loose the house we 've chose almost a month in a half ago. All of this has been more than tedious.

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: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I had never been informed of income driven repayment or even a suggestion to talk to my accountant about filing separately from my husband so only my income would be considered. There is no way we can move forward in our life financially with me paying over half of my monthly income towards Navient. He pays all of the normal household bills and I take care of my student loans, however we are unable to apply for a mortgage due to my massive student loan debt taking a large chunk of my income. As a result almost all of my other loan repayments are delinquent or nonexistent. I was also never informed my cosigner could be released. When I would call to try to lower my payment, I was talked into a forbearance and now owe about XXXX additional due to this misguided information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America continually refuses to honor my request to opt out of any overdraft protection or coverage. I do not want any transactions that might send my account balance into the negative to be covered. If/when they are covered, Bank of America is happy to charge me a {$35.00} overdraft fee. I do n't want this coverage. I want any transactions that would send my account into the negative to be REJECTED.

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 monetary relief
Consumer complaint received 2016-11-12
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
In my recent review of my credit report In XX/XX/2016 I noticed Central Financial Control is reporting the same account to all three major credit Bureaus. I have disputed this account with the collection agency and they provided me with a itemized statement of procedures performed along with the medical summary of charges. This is a violation of HIPPA LAW. I have uploaded the statement. 
According to my understanding of the Fair Credit Reporting Ac, t their duty as creditors if to accurately report any account and to correct any mistakes and to place a comment of dispute on my credit report within 30 days ; this has not been done as well. 
Central Financial Control XXXX, TX XXXX Account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: SinglePoint GI
State: UT
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:
General revenue is violating my rights under section FCRA 605 B, by reporting fraudulent balances on my credit report. This is now the second offense of them doing these actions. I attend to bring litigation in third district court if this reporting is not immediately removed within the next 4 business days. They have also failed to contact the XXXX XXXX police department and retrieve the police documents after being given the police report numbers. Instead they negligently reported to the credit bureaus. Under section FCRA 623 it their sole responsibility to gather this information which they didnt do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have had a student loan for a number of years, in the last few years I have had to take care of my child on my own and am homeless, living with family. As of XXXX XXXX, I have been laid off from my job. I have tried to request deferments from Navient and have either not been answered ( the case with the last XXXX applications ) or they tell me ok you can have it only to send me a massive bill the next month. They now tell me that my minimum payment is over {$800.00}, and that I owe over {$20000.00} and I never borrowed more than {$12000.00}. I never had these problems when XXXX XXXX had my account. I am not trying to get out of paying my debt, I simply need help at this time. I attended XXXX XXXX College as well as the University XXXX XXXX Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Third party contacted me after I asked them not to then other party under other name contacts me on separate accounts. I also have a solutions specialist incorporating on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Ive offered to pay off a debt with Central Financial Control to no avail. Ive practically begged to pay and have it deleted. I explained that I was scheduled to close on house at the end of XXXX but they are adamant a out not paying for deleting it off my credit report. Wbether I pay a settled amount or full amount they 're refusing to have it deleted. Because of this my credit score dropped and I was denied financing. I spoke with customer service reps and someone in the dispute department, but no one would agree to have it deleted. They 're all saying they do n't and wo n't delete. I spoke with them on XX/XX/2016 4 different reps. Friday, XX/XX/2016 I was denied financing because I could n't get the account deleted. I 've actually had one rep to yell telling me no matter what, it wo n't be deleted.

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 2021-07-03
Company: Experian Information Solutions Inc.
State: LA
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 recently received a copy of my credit report and noticed some in accuracies so I reached out to each credit bureau for the purpose of correcting the issues. I have sent several letters explaining how and why this information was incorrect. The credit bureaus have not provided any debt validation for the information being reported. 

XXXX XXXX ; Acct : XXXX XXXX XXXX XXXX XXXX ; Acct : 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 2016-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
This is more of a " for your information '' note. With XXXX XXXX in the news about account fraud, I was hoping that Bank of America would also be included in the investigations. About 8 years ago they opened a credit card account without my permission. I have a checking/savings account and was curious about the percentage rate. No permission was given verbally or in writing however I received a credit card in the mail. I did not activate it and called Bank of America to discontiue the card. It did affect my credit report though. Bank of America denied any wrongdoing. I am hoping that you will be looking at their practices too. Thank you- Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I attended XXXX XXXX XXXX XXXX in 2009. They are a school who of course offered to find you work once you graduate and, in whatever I originally signed, a person is not to attend grad if you owe money. 
During my attendance, I went to ever financial meeting and they always told me everything was okay, all the school needed to do was turn in my XXXX XXXX paperwork for my final loan to go through and I was good to attend grad. 
The day AFTER grad they called me to the office and said I owed {$5000.00}. I asked why I was able to go to grad if that was the case, but they only kept saying " well you still owe us money so you are n't getting your XXXX '' I still have n't told me family because I 'm so sad. Every time I call or visit to ask for paperwork on my years attended they never call back or ignore me and I have never recieved anything regarding my case in the last 5 years. 
I am not the only person this has happened to and it has only happened to minorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: DISCOVER BANK
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have been stolen from for XXXX years from bank of america HELP!!! XXXX XXXX, I 'm scared. Ca n't get any help. Have all documents. There fraud dept, is a separate mess. Please help. I am XXXX. On ssi.They have taken XXXX checks from XXXX XXXX to XXXX. And all savings..TheyThey even opened an online account in my name.I know who the players are..do not deal with personal bankers. Get out of bofa.Now.. I am XXXX. I had to learn the computer, enough to find things out.also, they stopped statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Navient Solutions, LLC.
State: UT
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:
In XXXX of 2016, I arranged to settle my account with Navient. The agreement was that if I paid half of my total balance due, that they would agree to settle the remaining balance since the account was 10 years old and in good standing. 2 weeks after I made my payment and was told it was settled and I would receive a letter in the mail stating so, they have been trying to collect the remaining balance that they agreed to write off/settle. I have contacted Navient several times explaining the situation and each person confirms the account is settled. Now I am getting past due payment statements that will probably end up reflecting on my credit report. I want this resolved!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I keep getting a robo call ( XXXX ) threatening me with legal action accusing me of defrauding a financial institution. after i callled them back with a supposed case # they refused me any information like their adress. They told me their name is XXXX in georgia but the calls come from Ohio

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: Westlake Services, LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I was going to purchase a used truck from the dealership and they had me with a predatory loan lender amongst the fact the truck had a critical engine failure and internal damage to the cylinder and head. The dealership knew the truck had these problems and still tried to make me take this vehicle with a lender who tried to charge me 30 % interest rate. My husband who is XXXX and in a wheelchair and myself brought this vehicle back to them and told them they can not make me take a vehicle that has this major problem and expect us to pay for it when you knew the vehicle had these major problems before they tried to sell it to us. Than the lender they put me with has been sued for being a predatory loan lender. The vehicle was returned 3weeks after costing me about XXXX and being told how bad of a shape the engine was in.

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 2021-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 recently received a copy of my credit report and noticed some in accuracies so I reached out to each credit bureau for the purpose of correcting the issues. I have sent several letters explaining how and why this information was incorrect. The credit bureaus have not provided any debt validation for the information being reported. 

XXXX XXXX ; Acct : XXXX XXXX XXXX  XXXX XXXX ; Acct : 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 2016-10-11
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Pioneer Credit is calling my place of business to collect a debt after I previously told them this is not acceptable. I do not want it and neither does my employer.

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 2015-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, XXXX I received a Credit Alert from XXXX advising me that Bank of America filed a 120 day or more days late on my credit report. I do not have an outstanding loan with Bank of America and the loan I had was paid off to a XXXX balance on XXXX XXXX, XXXX. I do not owe Bank America anything and I do not understand why they are or feel they can report any information to credit agencies on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am a co-signer to a private student loan from Navient. The loan was paid in full in XXXX 2016. It still shows that the account is n't paid on my credit reports. I disputed the reporting via XXXX. Navient verified that the balance is correct on my credit report. I have a letter stating that the loan is paid in full.

Company response to consumer: Closed with explanation