BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I HAD AN COMPANY XXXX CONTACT ME AT HOME AT XXXX ON A SATURDAY MORNING WITH LETTERS WITH BANK OF AMERICAS LOGIN STATED THAT I HAD ISSUES WITH MY LOAN MODIFICATION APPROVED BY BOA 6 YEARS AGO. MINOR THREATS STATING THAT I NEED TO RESIGN PAPERS AND THAT OTHER PEOPLE EXSISTED ON MY TITLE WHICH I DOUBT AND I NEED TO HAVE THEM SIGN THE MODIFICATION. THE LOAN IS IN GOOD STANDING SO I DONT UNDERSTAND I DONT LIKE PEOPLE SHOWING OUT UNANNOUCED WITH PAPERWORK THAT CLAIMS I DID NOT WISH TO COMPLETE THE NEW PAPER WORK???

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 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today I contacted Transunion regarding their inquiry issue and their customer service would not help and take care of the negative inquiries reporting to your credit report. They refused to remove, investigate or offer aid in resolving matter. 

Multiple inquiries are on credit that I did not consent and some are listed multiple time on the same day such as : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX I Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX Automotive

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 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-03-21
Company: EQUIFAX, INC.
State: MO
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:
Went to XXXX XXXX XXXX to obtain free credit report. Got it from XXXX and XXXX without trouble. As usual, Equifax wouldn't provide it. I subsequently called and talked to an Equifax representative for half an hour to no avail. Last, ended up completing their online form and mailed it with two pieces of information. That was over two months ago and have not received anything from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My card was delicned last friday! I evidently missed mays payment of {$150.00}. I sent {$200.00} thinking that covered it. Why, I was not using my card. it had been shut off due to some type compromising in the system. So I was using my wells fargo card all month. 
Then you sent a new card finally. Then the chip did not work. more declining! So I had just got the new card when it was declined again while in new mexico. IF you research my account history, I charge up to {$3000.00} a month average and pay in full each month. so you shut off my card for one small amount during a period of issue after issue with my card. 
So I called again today. wait many minutes to get thru your disgusting automated service. Finally get a supervisor and am once again assured my card is fine. Prior to that I tried the chat to absolutely no avail. She kept asking me when I was going to pay our second card that is not due until XXXX XXXX, or there a bouts. 
so I went to XXXX today, and card declined again 3 hours after being assured it was all cleared up. 
I have had at least XXXX cards issued me in the past 1 year due to BOA saying my card was " compromised '' I have to keep changing my auto pays! 
When I call in, it takes up to 15 minutes to get thru the automated system to finally arrive at a human. I charge an average of $ XXXX monthly on XXXX card and almost the same on a second BOA card. And I get this kind of service and card shut off for what they said was {$25.00} outstanding balance. and that was a late fee! 
I have many others tell me the same thing going on with their BOA visa. There must be some internal issues with BOA! 

thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are having trouble with BOA for the pass 6 years since thedeath of our father. We inherit this property from our dad. The property was delinquent. I am one of the co administration of the will, when ever I call BOA I have a hard time to get in touch, they keep on saying that i am not on the account and they can not speak to me. For example today me and a counselor from XXXX XXXX it took them 30 mins before they we got verification that they have the information. We call back in about an hour and the process repeats it self. The reason why I am reaching out to BOA is the fact that we are going through foreclosure and we are trying to see if we can applied for a loan modification. They refuse to work with us.

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 2022-07-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I went to the XXXX, NY Branch on XX/XX/XXXX at XXXX XXXX, and the Teller put my {$3000.00} cash toward the principal on the balance of my auto loan. It never showed up in my account! I have called 3 times starting a few days after the deposit, and finally went in to the Branch and saw XXXX XXXX the Bank Manager on the XXXX and it is still not been posted on my account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit report, through Transunion, suddenly shows an amount of {$51.00} that was originally owed to XXXX. ( This is false and verified as false with XXXX ) It shows a balance date of XXXX 2016. It states that the status of this " account '' is in collections and further shows the past due amount as {$0.00}. This false report is negatively impacting my credit report.
<P/>
The company attached to this false report is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY-XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am applying for public student loan forgiveness ( PSLF ) for my law school loans serviced by FedLoans. XXXX months ago I resubmitted my employment certifications, even though I have submitted these certifications throughout the life of the loan and my years of employment, many of my certifications were no longer on file. I received a letter from FedLoans and noticed that many qualified payments were not applied. I am now resubmitting the same paperwork, that I have resubmitted many times in the past XXXX XXXX, in an effort to have my qualified payments applied. This nonstop, paper-chasing XXXX by FedLoans is extremely frustrating. I have no reason to believe that when I send in the documents, again, that FedLoan servicing will accurately apply my qualifying payments to my PSLF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a dispute for a XXXX transaction that was made on XX/XX/2021 for the amount of {$200.00} for service that was not provided from the original merchant. USAA response was that I had provided insufficient evidence to dispute the transaction in my favor. Upon a XXXX Complaint and CFPB Complaint their Office of the CEO relayed to me that due to XXXX Laws they were not able to request a refund for the amount a second time without approval from the Merchant ( XXXX ). I then requested the approval from the original Merchant ( XXXX ) and upon submission of the approval for a refund of the amount in question ( {$200.00} ) USAA has repeatedly denied the re-opening of the Credit Card Dispute or any resolution to the transaction being refunded. I have provided countless documentation of evidence that supports my right to a refund but they have disregarded it all and have told me MULTIPLE different things. " I need to contact the collection agency to resolve the matter '', " I need to have the Credit Card Dept. handle my request. '' ( The Credit Card Dept. transfers me to the Dispute Dept. ), " I have passed the window to reopen and reassess the dispute. ", and " I am responsible for payment of the amount regardless of my documentation ''. I have received countless harassing cards from XXXX XXXX for Collection from this Transaction, I have been severely harmed by the impact it has had with my Credit Report as they have continuously reported false information ( Late Payments and Charge Offs and reporting my account as Open when it was actually Closed ) and I have had to deal with countless people misinforming me. I want this resolved and the amount on my account set to XXXX like it should of been months ago! I want my Credit Score/Report fixed and I do not want to have a single dealing with USAA ever again! If I have to get a Lawyer for this issue I will as I have already tried everything through the proper channels only to be harassed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card
Issue: Late fee

Complaint:
I have a credit card though TD bank called renovate. I was going on vacation and sent my bills out on XXXX XXXX. I received my next statement and they had charged me a {$28.00} late fee. The rest of my bills had all posted on XXXX XXXX. My statement says allow 7 days for payment. Not 7 business days, 7 days. They charged me a late fee on the XXXX. My account stated it was due on the XXXX. It cleared on the XXXX of XXXX. I called about the late charge date and the explanation that if the due date was a weekend, they would drop the charges. How does it take them 14 days to process my payment when my other bills processed in 5 days. This company is running a scam to fatten their pockets. I have now closed my account because of their shady business dealings and now they are probably going to send a bill for the full amount. We wonder why the middle class is struggling. All I wanted was for them to drop the fee and not use my " one time '' fee removal. How many other people have they scammed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-11
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted by IDR form for new payment calculation for the upcoming year two weeks ago. I keep getting told by Fedloan Servicing that it will be 30 business days before they even look at it. Pursuant to their agreement with the Department of Education, they have 14 days to make a determination on the form so I can resume payments. 

Six weeks is much longer than two weeks and will interfere with my ability to make payments, especially if the brain trust finds " errors '' in the form and rejects it. Fedloan delays so they can forbear the loan and let interest capitalize. I am trying to prevent that from happening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: MO
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 have about {$90000.00} just in private student loans. I have XXXX private loans with different interests rates which is about {$900.00} a month just for my private loans. I have federal loans with Navient as well and those are about {$300.00} a month with a total of about {$1200.00} a month just for student loans. I have let Navient know multiple times that I am not able to afford that amount of money a month and they refuse to work with me to lower my payments. They have insisted that I am at the lowest payments. They have suggested that I put my loans in forbearance and did not let me know that I only have a certain amount of times for my loans to be put in forbearance and that when they put it in forbearance they tell you it 's for 3 months, but do n't tell you that they will back date your account that three months so it really only ends up being 1 month of no payment. My private loans have lowered my credit score by XXXX points. As of right now they put me on a 15 month payment plan and they say that after 3 months my account will be " current '' and my credit score will go up. I only agreed because I am concerned about my credit score and they refused to lower my payments without me being on a payment plan. These loans have been very stressful since I 've graduated. I am not able to consolidate my private loans and when my federal loans were consolidated they split it up into XXXX lump sum loans instead of one loan. With my credit score being lowered due to this that will hinder me from purchasing a home, car or anything else. Student loans and Navient have ruined my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: DataMax Corporation
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX constantly harass me. They call repeatedly from different area codes and continue to send mail to addresses that I have not provided them with.I have continued ton dispute with this company and requested that they not contact me. The state of North Carolina also requires collection agencies to be licensed and active in order to operate in our state. XXXX XXXX XXXX is not currently licensed in North Carolina with the Secretary of State and should therefore be removed from all credit bureau agencies immediately due to the non active status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I went to my local Bank of America branch to open a checking account and was told they could not proceed with my request because my social security number was already in use by another customer. I went home and created a mySocialSecurity account online and verified there are no unidentifiable earnings attributed to my SS #, so no one is using my number for work purposes. I then ordered my free annual credit report and identified one, open Bank of America credit card account that does not belong to me with a historical high balance of {$5400.00}. Bank of America referred me to the SSA but since this is not a work/earnings issue there is nothing for them to do. How do I get Bank of America to investigate on their end?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 & XX/XX/2022 I reported to Discover that I had made payments to them in previous months and they did not properly credit credit my account. Later on they finally gave me a temporary credit and told me to submit documentation, I did and they told me that my account was closed, and I would receive a letter in the mail. It is XXXX and I never received anything. This was for Dispute # XXXX XXXX XXXX XXXXer 1026.13 ( b ) ( 2 ) ( c ) Billing error resolution : 2. Correction without investigation. A creditor may correct a billing error in the manner and amount asserted by the consumer without the investigation or the determination normally required. The creditor must comply, however, with all other applicable provisions. If a creditor follows this procedure, no presumption is created that a billing error occurred.

3. Relationship with 1026.12. The consumer 's rights under the billing error provisions in 1026.13 are independent of the provisions set forth in 1026.12 ( b ) and ( c ). ( See comments 12 ( b ) -4, 12 ( b ) ( 3 ) -3, and 12 ( c ) -1. ) ( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.

I have not received anything yet, and they have reported adverse action on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Consolidated Information Services Solutions, LLC
State: FL
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:
UNIVERSAL CREDIT SERVI
Inquiry date: XX/XX/XXXX
non existing account. 
 XXXX XXXX  XXXX  Inquiry date: XX/XX/XXXX
non existing account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian has violated my consumer rights. They will not remove or fix a XXXX XXXX account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.

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