BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
1. XXXX XXXX XXXX XXXX applied through Bank of America for a loan through the XXXX XXXX XXXX on XX/XX/XXXX. 

2. On XX/XX/XXXX, I received an email from BOA stating they were ready to receive my documents. Bank of America provided, via XXXX XXXX XXXX, a portal to a document containing instructions. The instructions stated that there were three different sets of requirements based on the type of business. The types of businesses were : ( a ) Organizations with employees who file Tax Form 940 ; ( b ) Documents for Sole Proprietors or Self Employed, Who do not file tax form 940 ; and  ( c ) Documents for All Other Small Businesses. 

3. XXXX XXXX XXXX XXXX, a nonproft corporation, does not file Tax Form 940. 

4. XXXX XXXX XXXX XXXX, is not a sole proprietor nor is the organization self-employed. 

5. Therefore, we provided documents consistent with Category 3 - " all other small businesses. '' 6. Category 3 only requires : " Form 1099-MISC for XXXX, for services rendered as an independent contractor Bank of America XXXX XXXX XXXX XXXX XXXX ( located in your Bank of America XXXX XXXX folder ) '' 7. On XX/XX/XXXX, I uploaded the Bank of America XXXX XXXX XXXX Application Addendum, as completed. 

8. XXXX XXXX, XXXX,. did not provide any services as an independent contractor during XXXX, so no 1099-MISC for XXXX was originally uploaded. 

9. On XX/XX/XXXX we received an email from BOA stating that they have not received all of our documents, but it did not specify which documents. 

10. It was really unclear what documents were needed. We had provided the one document that applied to us.

11. On XX/XX/XXXX, in an abundance of caution, we uploaded a 1099-MISC for the one payment that we made to an independent contractor during XXXX. 

12. On XX/XX/XXXX, we have received an email stating BOA has still not received all the required documents, but it does not state what is missing ; it also stated the problem may be that BOA received unnecessary documents.

13. On XX/XX/XXXX, we deleted the 1099-MISC, thinking it may have been unneccesary.

14,. We are doing our due diligence and providing documents timely. It is unfair that we are being denied access to federal loan funds because BOA is not being clear and is sending messages alleging missing documents where such allegations by BOA do not seem to be supported by the facts. This is harming our nonprofit because other organizations may be approved prior to us for limited funds, even though they did not turn in their required documents until after we did.

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 2022-11-14
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a checklist via US certified mail requesting ALL of the following information to validate the collection account. The letter was received by their office on XX/XX/XXXX at XXXX XXXX 

Complete payment history, the requirement of which has been established by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor. 
Date of Last Activity My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. 
Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Proof that this debt has not been written off as a tax liability. 
Any other intimate knowledge of the creation of the debt by you, the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a new HomeOwner, my loan was transferred to US Bank after initial loan origination by XXXX XXXX My payment for the first year was {$1700.00}. I'm assuming that all estimates were based on appraisal value of the home + average taxes for homes in the area. 

I have received a bill for an escrow shortage of {$8100.00} from US BANK to be paid over the next 12 months. Paired with the new amount I have to pay to cover the new charges in 2023, our mortgage is scheduled to go up to $ XXXX. This is UNAFFORDABLE! If I would've know this ( my fault for not doing enough research ) I would've paid a little bit extra every month to ensure the Escrow wasn't short, especially by this substantial amount of money. 

Even if I pay the full shortage, the mortgage is going to go up to $ XXXX. 

I have to ask, where did US Bank fail in recognizing this shortage? I don't have the money to pay an additional {$1300.00} a month in mortgage, we barely make it as it is. We are desperate here for help, and we don't know what to do, as my wife stays home to take care of our children, one who has 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 2015-12-09
Company: GreenSky, LLC
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
GreenSky Credit has mismanaged a line of credit that we applied for but never used. GreenSky processed a fraudulent/unauthorized transaction from a merchant and did not even follow their own procedure for an authorized transaction and is now trying to make us responsible for the full transaction ( {$18000.00} ). Over the course of 60 days we have made numerous request in writing and by phone to have this unauthorized charge remove. Their position seems to be that a self-serving document from the merchant is what they are acting on even though we never authorized any transaction by any means at any time and they can not produce any evidence that we ever wanted this transaction. My wife and I have tried patiently over many months to work with them but they are refusing to charge back to the merchant and properly zero out our account and close it permanently as requested numinous times. We have extensive documentation to support our position and to refute any rational they may offer. 

Please help us. 

Sincerely Yours,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: CA
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:
Experian is in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
Experian XXXX ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full as agreed after a consumer dispute with the creditor. Using derogatory language to describe a paid-in-full as a charge_off is damaging to a potential lender when looking at my credit report. Your reporting is inaccurate. Please get in touch with the creditor to confirm that this account was paid as agreed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full as agreed after a consumer dispute with the creditor. Using derogatory language to describe a paid in full as agreed damages a potential lender when looking at my credit report. Your reporting is inaccurate. Please contact the creditor to confirm that this account was paid as agreed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was settled and should not appear on my credit report as owing a balance. You can not report a charge off when an agent of the creditor accepted payment for this account. Please provide written information from XXXX XXXX  stating they did not accept payment in full for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full and on time and never late. You are showing late payment history on an account that was never late. Please remove the late payments from this account because it is inaccurate. The account was paid, and the creditor did not report accurately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-11-14
Company: TRUIST FINANCIAL CORPORATION
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:
Information on credit report is being reported incorrectly negatively affecting personal data.

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 2017-01-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been unable to pay off accruing interest on current loans to prevent capitalization of said interest. When I submitted payments, they 're considered " refunds '' of my loan and are taken off my principal amount. I 've called Navient customer service to complain about the issue on their site as I have made such payments before and I received no straight answer as to how to make an actual payment to be applied to my accrued interest. They appeared to have no knowledge of this and stated that any " payments '' made on current loans were considered loan refunds. I fail to believe I ca n't make payments before the repayment period to avoid capitalization. It appears that Navient is forcing me to pay interest on top of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Midland Funding LLC has been reporting unverifiable and inaccurate information on my credit which has damaged my credit and I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I entered into a 40 yr fixed mortgage with boa on XX/XX/XXXXXXXX.beginning in XXXX XX/XX/XXXX bank of america has not complied with the terms of the agreement. I have made all payments on time or early according to the agreement. Bank of america has charged me late fees and overdue charges for not receiving full payment. I have been in contact with several resolution specialist, the latest being XXXX XXXX. This rep has stopped calling on the agreed upon times. Boa is inappropriately applying my payments to interest and late charges and other fees that are not owed. I have all the documentation that this loan has always complied with the agreement and the boa states they are still trying to obtain the needed paperwork. This has been going on since XXXX of XX/XX/XXXX.My payments that are presently and historically been current with no late payments are being applied and then reversed according to my monthly statements. I have no way of knowing what is being applied correctly to principal .This has been going on since the inception of this loan, that began in XXXX of XXXX. This loan should be audited by this agency.

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 2022-11-14
Company: TSC Accounts Receivable Solutions
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company has contacted me stating that i owe them. When told this I asked did i sign anything saying that i would paay them. They stated " no ''. I do not owe this company anything I never had any contract with them. 

XXXX XXXX XXXX v. XXXX where there is no contract there is no case

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A debt collection was reported on my credit report from Credit Collection Services for {$800.00} for a XXXX bill that I did not have any knowledge of .This account was fraudulently opened using my information. I haven't used comcast in many many years and have had XXXX. I have spoken to people at this company about this and I thought this was rectified but here we are.I filed an identity theft report months ago and reached out to the federal trade commission. Im going to have to get my lawyer involved if this is not taken cate of immediately this is ridiculous.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Checkr, Inc
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This company did a background check on me and committed a very serious error by placing in the report information that does not belong to me ; that is, the information is not about me and it is adversely affecting me personally and professionally. I have a clean record, with no problems whatsoever. Therefore, I am asking you to help me find out why this serious error was made and to resolve this problem as soon as possible, since it is harming my present and future prospects. For example, the XXXX company XXXX has rejected my application based on this error. 
I have a similar case regarding XXXX. I filed that claim with you all, and the case number is 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 2015-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I took out a car loan, through Bank of America in the amount of nearly {$30000.00} around XXXX XXXX. The car was repossesed by Bank of America in XX/XX/XXXX, with a balance of about {$18000.00} remaining on the loan. Bank of America auctioned off the vehicle for about {$20000.00}. Now, XX/XX/XXXX, their so called collections department claims that I owe them {$10000.00}. Go figure that. To add insult to injury, XXXX of the crooked collectors, went into my account on XXXX XXXX, XXXX, with no authorization on my part and took ( stole ), my entire pay of about {$2000.00}, for a car loan that should have off set to XXXX balance, when the vehicle was auctioned off in XX/XX/XXXX. This is an unscrupulous collection practice to say the least. When I tried to dispute the action, I get reminded of some disclosure, that most people with XXXX vision probably need a magnifying glass to read. In the meantime, I am out of {$2000.00} for the month that a conniving, thieving agent of Bank of America stole from my account on XXXX XXXX, XXXX without any authorization, nor consent on my part. Unbelievable!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Identity stolen and accounts opened in my name and charged up high balances, creditors XXXX  XXXX XXXX, XXXX,, XXXX  XXXX XXXX is trying to collect from me this fraudulent 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 2015-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX 2014 I was scammed and was charged {$9000.00} from my Bank of America Visa Credit Card, I think the {$4000.00} charge is still under investigation but the {$5000.00} dispute was closed and now they are beginning minimal charges against my card. I made every effort to give them information and documentation regarding this fraudulent activity. I do n't understand how they could close this case knowing that this was a result of fraud. I think that this may be an inside job ... you can call me at XXXX. Any help would be appreciated. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: AE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, this creditor, XXXX XXXX, has violated my rights. Under 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose. I was never late on these accounts and they are inaccurate on the months that I was allegedly late. The bureaus have inaccuracies and contradict themselves during the years of XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
The Bank of America is conspiring with the lenders who only tell lies in Exchange for my XXXX money ( checks ) and my XXXX XXXX money ( checks ). I never applied for a loan ( s ) of any kind.

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