BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
In XXXX I became the victim of identity theft. I filed a report with the Police Department. The amount of the theft was close to {$50000.00}, or my life savings. My perfect credit was was ruined. Further, it was not possible to go after the person who had defrauded me ( he posed as a financial advisor ) because he died in XXXX of XXXX. It was information I discovered after I learned of his death that I found I had been defrauded. After I supplied copies of the Police Report to all the companies trying to get payments from me for things I had never charged, all but one of the companies and banks trying to collect money from me dropped their attempts to do so. The only one that has continued to pursue me is the Bank of America. Even after I, a senior on a limited income and now no savings, went to a lawyer and had him repeatedly contact the B of A, they would not relent. The Bank of America and all three of the credit report companies have received copies of my Police Report. After several years of frustration in this matter, I asked the man who helped me with my taxes, a XXXX, to contact the Bank of America. He did and they said they would stop asking me to pay back some $ XXXX, BUT they sent a form to him that said I had received that amount and had to pay taxes on it! The kind CPA said he would attach a letter and my Police Report to the IRS and they would not ask me to pay tax on it, as I had not ever made those charges. BUT after the IRS honored my XXXX 's letter, when I checked my credit report, the $ XXXX was still there from the B of A saying I owed them. The credit report companies ( XXXX, etc ) said there was nothing they could do about it, and the B of A could leave the charges there until XXXX, XXXX. I need your help to stop this. The Bank of America has already received copies of my Police Report as have each of the credit report companies.

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 2017-05-13
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a missed call on  XXXX   XXXX ,   XXXX   @  XXXX  from (  XXXX   )   XXXX  a  XXXX   ,  FL  XXXX  # with no name attached to #. I received second call on  XXXX ,   XXXX  , @  XXXX  from same #. The woman on the phone proceeded to state I had to pay {$630.00} over the phone right now or she would " report this debt on my credit report withi n 2 to 3  hours ''. She did not state who she was or who she worked for. She only stated it was related to my past landlord,  XXXX   XXXX   XXXX . " Our lease '' just ended on  XXXX ,   XXXX  . I tried to explain I did not owe anything & I had not received any bills from  XXXX   XXXX   XXXX . or from anyone else & that I was driving & would get back to her by the next day once I had the opportunity to contact  XXXX   XXXX   XXXX . but she kept telling me I had to pay now or she would be putting this debt on my credit report within  2 to 3  hours & that I was a " liar ''. I asked to speak to a Supervisor. A man got on the phone & was even more persistent that I pay balance now or reach a " settlement amount & pay now '' otherwise he was going to place this debt on my credit report within  2 to 3  hours & he to denied me the opportunity to call them back once I had a chance to speak with  XXXX   XXXX   XXXX . the next day. He stated this conversation was being recorded & that " everyone always says they have never gotten a bill in the mail ''. He eventually hung up on me. I did not know if this was a scam. I do not understand why they were even trying to bill just me the whole alleged bill when there were "  XXXX  tenants '' on the lease. I have been corresponding to them by certified mail since I received a notice from them. I have tried to resolve this issue with them &  XXXX   XXXX   XXXX . I have explained to both of them the terms of the  Landlord Tenant l ease agreement & what it states about any disputes betwee n Landlord & Tenants  must go through small claims court & be granted a favorable Judgment before any debt collection attempts can be taken. I have requested  XXXX   XXXX   XXXX . to file a claim with small claims court so this issue can be resolved because  XXXX   XXXX   XXXX . amount of alleged debt owed is invalid, inaccurate & not the same as  I.Q. Data International a lleged debt. As of today, I am aware of this alleged unproven with no court order Judgment has been placed on my credit report on "  XXXX   XXXX ,   XXXX   to  XXXX   &   XXXX  ''. I am in the process of disputing this alleged debt with my creditors. Thank you

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I recently looked at my credit report and was surprised to see my auto loan reporting 30 days late as of XX/XX/2020. I do not know how this could have happened and had no idea that my payment was going to be late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The credit company ( Commonwealth Financial ) is re-aging the debt to keep it on my credit report. The have also double-listed it on my credit report to increase the hit on my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have previously submitted a complaint against Bank of America ( Case number : XXXX ) in XXXX, 2016. I had received notice that the company would resolve the issue and did not dispute their response right away. I have been unable to navigate a response on the previous complaint number XXXX and have been unable to reply to the emails. This complaint is in regards to Bank of America 's failure to adhere to their proposed resolution of removing the escrow charges from my payment despite my compliance in paying the escrow balance to XXXX. Bank of America has filed a notice of Default and Intent to Accelerate, it has aggressively made harassing collection calls, and continues to assess escrow on my mortgage payment nearly doubling the original payment. I have written to Bank of America at various departments explaining that the agreement was to have the escrow ( which was wrongfully assessed ) removed once I repaid the escrow amount they never should have paid, having done so in violation of a legally binding agreement we had signed with the XXXX County Tax authority which Bank of America was provided with notice of. I have written to a consumer division of BOA regarding the proper payment with no prompt response. My XXXX payment is already late and I want to pay the original and correct amount as agreed to, however BOA refuses to reduce the amount they claim is owed. My credit has already suffered due to BOA actions in increasing my original payment of {$480.00} to {$1000.00} and now {$860.00}. We took a huge financial loss in trying to pay these excessive amounts and now that we have paid the escrow to a XXXX balance they maintain that I am liable for the improperly imposed escrow. Time is of the essence since the taxes will be due for 2016 within 30 days and if they wrongfully pay these again they will insist that we repay them with doubling our mortgage payment. If allowed to pay ourselves as legally entitled, my husband is a XXXX vet and over the age of XXXX and is entitled to make payments to the county in a more affordable payment plan. BOA is attempting to further violate our rights by imposing yet once again an improper escrow in order to force us to pay double our initial mortgage. I am unable to send any supporting documents via this system so I will send a follow up correspondence with copies of all my correspondence to Bank of America..

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 2016-02-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
1.XX/XX/2015 I decided to pay off the entire outstanding balance on XXXX credit cards and since I was not using them, to have them cancelled. I called the toll-free number on each statement and so informed them and asked for the amount of the balance to pay off and close the accounts. The figures their customer service agent gave me were identical to the " New Balance Total '' shown on the current bill. I had set aside that amount to pay these bills and told the customer service agent to use the " Auto-Pay '' arrangement then in force and draw those amounts from my bank account ; and then to terminate the Auto-Pay arrangement. They withdrew the amounts ; the Auto-Pay was terminated ; and the cards cancelled. Later I began getting bills for additional interest or whatever and when I called to complain the customer service agent tried to explain something about their internal accounting or bookkeeping. I insisted that when I asked the question and was given the payoff figure ( which matched the last statement ) and I made that payment, that I would pay no more. Their letters and bills keep coming despite having reported all this by letters to both companies twice and repeated calls. But they keep sending demand letters and increasing the amounts on these " bills. '' I am semi-retired with little to no workingincome and set aside money to pay these bills off and close the credit card accounts. I believe that when their Customer Service Representative provides me with the number after my explanation, that I ought to be able to rely on that number, pay that amount, and be done with it. The credit card companies presumably have recordings of my telephone conversations which should confirm all that I say. No mention was ever made of any more money due than the amount they gave me, which sum was paid immediately while we were still on the phone. I relied on that conversation and the figures and should not have to be concerned with some internal accounting or bookkeeping they do in their office of which they never gave me any notice. ( Maybe they 'll find something in the " small print '' somewhere from years back! ) These credit card companies should change their procedure and tell their Customer Representatives how to explain their intentions to continue billing after payment in full when a customer like me calls. 

2. I would like both companies to cancel these bogus charges and stop sending me these threatening collection letters.

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 2021-02-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This is my second attempt to resolve the issue in regards to consumer credit transaction with Chase Bank Credit Card. Chase bank is in violation of 15 usc 1605 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Under the credit reporting act, the credit bureau has 30 days to reply back to my dispute. They failed to do so. I'm asking for the information to be deleted on my credit report. I submitted the disputes on XX/XX/2021

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 2017-01-17
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Our mortgage is with Ditech Financial. Our house recently flooded and my mortgage company will not release the insurance money for us to make repairs. Per their requests, we have sent a substitute XXXX for tax purposes, an estimate of repairs along with the adjuster 's estimate and an inspection form. Every time I call to see where the money is, I am told they need more information and then told to wait another 2-4 weeks for processing. I asked for a phone number to file a complaint and was told that they do not have a complaint number. I was told I could leave a message on the supervisor 's voicemail if I wanted to make a complaint. This has been going on for 3 months and they have yet to release any funds. I would like to file a complaint, and would like to have 50 % of the funds released to make the necessary repairs to my house. I would like for Ditech to be held accountable for their actions. Every time I call, I have to speak to another person and they tell me the person before gave me misinformation. I see no resolution in sight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: Navient Solutions, LLC.
State: CA
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:
The interest from my student loan keeps building adding more interest and they wo n't set up payment plan 's with me to pay it. They demand all the money up front because I did n't pay it immediately so now I 'm in collection with the debt company and they keep harassing my phone sending me mail notices demanding payment but refuse to allow me to pay payments at my convenience when I have the funding. The customer service is aggressive, intimidating and unprofessional. I want them to clear off half of my loan and allow payments to be set up appropriately until paid in full. The amount the loan started from is what I want to pay and nothing extra.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: T.S. Holdings
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXXXXXX XXXX TN Original Debtor IQ DATA INTERNATIONAL IN on XX/XX/2021 XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Remarks I called to attempt to verify a debt appearing on my credit report. 
1 ) Refused for two years to show desperation amount of carpet by showing when the carpet had originally been installed ( was told carpet had to be replaced when we moved out anyway when we moved in ) 2 ) Attempting to Charge me for Keys that i returned. How can i prove i returned something they don't give me a way of showing i returned it like a receipt. 

3 ) Refuse to communicate with me ( Hung up on me multiple times ) 4 ) Threatened me with Bad Credit and increasing fines due to interest.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I replied to an ad at XXXX  for a goldendoodle puppy. The seller asked for {$400.00} deposit through cell. I contacted CHASE by phone and asked if that is ok and if the transaction came out to be fraud/scam or for some reason did not materialize, I asked if I can have the money sent thru XXXX reversed to my account. The representative from CHASE said YES and that CHASE have a claim process to do that and he told me to go ahead. I sent the deposit, and the day after, I found out that I am scammed. The seller is not in the address he gave. I called back CHASE to immediately inform them that I need the money sent reversed. The claims department said there is no way they can get back the money. They refused to give me the recipients bank account information, even if I told them that I will inquire with the recipients bank. I even called XXXX and the representative said they can not help me. 
seller information : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX. DOB :XX/XX/XXXX DRIVER 'S LICENSE : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
I have late payment entries on my credit report from Navient by the following events beyond my control : 1. I had a student loan held by XXXX - and I was actively enrolled in a direct debit payment. 

2. XXXX sold my student loan to the newly formed company Navient - but included an old address ( my parents ) with my account. 

3. Navient sent loan ownership and payments due notices to my old address - which sat unopened. 

4. My mother sent old mail to me, I became aware of the situation, and quickly paid my outstanding balance and set up a direct debit agreement. 

5. My account has been, and is currently in, perfect standing. Instead of reporting the single payment that was missed, Navient has reported on XXXX smaller loans - resulting in terrible credit. 

This is a completely inaccurate view of my credit, costing me thousands of dollars on my home loan. Navient has been immovable. I would so very much appreciate your help in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I wrote to you XX/XX/XXXX. I am getting very vague responses from bank of america. But as I continue to do research, I found lots of fraud items and asking BoA to verify items but not getting what I need. XXXX did the investigation from them. They just keep giving me the same stuff over and over. The Mortgage Note and Allonge Note are robo signed and BoA did not receive any right, title or interest in my Accomodation Mortgage lien as the parties assigning the Accomodations lien failed to preserve a proper chain of title. This is treble damages.

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 2021-02-15
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have tried on numerous occasions disputing unknown inquiries with bureau stating that I did not apply for a job or credit with these people and wanted them removed, told the bureau that I 've tried sending letters to creditors for removal with no response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
paid tax on time, Bank of America repaid the tax with a late fee to XXXX. The bank opened escrow and funded it from the mortgage payments. I did not have escrow. I pay tax and insurance my self, I am calling the bank since XXXX to resolve this problem, as of XXXX The said problem is not solved. All XXXX credit bureaus are showing I am XXXX days late it also shows the increased payment of {$860.00} not {$510.00}. To add insult to injury the bank told me I must write and request they remove the mistake from my account. I wrote the letter to an address I was given since the end of XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-06
Company: SLM CORPORATION
State: NY
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 was a student XXXX. I am waiting for my XXXX degree. I am currently working XXXX - I do n't have a full time job and have been trying to make my payments on the private loan to Sallie Mae - I can not afford {$1100.00} per month. My parents also can not afford this amount. I am supposed to be paying rent to my parents, which they have waived and they also have been helping as much as they can since they are cosignors. I have asked several times to make payments based on my income and have been told No by Sallie Mae. Until I can get a full time job, I can not afford the payments they are asking for. I will end up having to go out of my XXXX field if I can not get a full time job and I do not want to do that. I just need help until I can get on my feet. My debt is over {$100000.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-14
Company: EQUIFAX, INC.
State: GA
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. I've contacted Equifax about the theft. I included a theft report, a dispute letter, driver 's license, social security card and power bill. It has been over 30 days and they have not returned a response nor have they removed the items off of my credit report.

Company response to consumer: Closed with explanation