BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was a victim of a scam from applying for a job on XXXX and the day I applied the sit was reported as a scam, yet I was never notified, I took the check in hopes that this was a good check and I had a job. I let Bank of America know my concerns with the check and how I received it, they had it on hold and I talked to several different employees and they reassured me the check was in good standing, I went down to my local Bank of America branch in XXXX, Ca and was explaining to the teller how I go this job and the check and how I was concerned about it she assured me that the check had cleared, I took out the money and then left the bank I was informed to go back into the bank and go to a different teller to deposit the money into another Bank of America account, I told the teller he wanted to me to go to a different employee to deposit the money she said no I can help and so I explained to her the situation and she finished the transaction. I have been to the FBI and have made police reports and have wrote the XXXX.I notified the bank that day at XXXX on XXXX XXXX 2016 and reported the account I had deposited the money into and called the bank of the check that was sent to me, the account had been red flagged due to frudulent activity and the check was no good. Since thisI had my tax return that was going into there that I could n't change but was told since the account was closed it would be rejected and a check would be issued out to me. Today XXXX XXXX, 2016 I had gotten a call from Bank of America informing me that XXXX was wrong about my account being closed that in fact it was closed. However I have a letter stating to me that is dated on the XXXX of XXXX that my account has been, and my last statement that does n't show the money coming in. This does n't seem right to me and the Police officer and FBI agent suggested that Bank of America had not caught this and should have been aware ; and as a result I am suffering over {$4000.00} and plus is financial loss.

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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Sir or Madam : This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) The information was blocked in error or a block was requested by the consumer in error ; ( B ) The information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00}, and XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$12000.00}.

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 2016-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We went to Bank of America to ask for a refi of our XXXX & XXXX mortgage - they would not process the request. 

We then asked for their help with a loan modification when we realized that our XXXX mortgage with BofA would convert into a fixed rate loan with monthly payments of {$2300.00} & our XXXX mortgage is {$2900.00} with an interest rate of 5.750 %. Boba declined our request for a loan modification. 

We would have been eligible for government assistance under HARP but BofA wo n't sell our loan to XXXX - they are holding us hostage in a loan that we can not afford.

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 2016-04-27
Company: Navient Solutions, LLC.
State: IN
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 obtained a loan thru Navient previously known as XXXX XXXX. The loan is no longer available, but it was originally called a Tuition Answer loan. I have all my documents but I borrowed {$5400.00} back on XXXX/XXXX/XXXX. Not sure what happened between XX/XX/XXXX and XX/XX/XXXX but my loan increased to {$10000.00}. I was having financial difficulties and was not able to pay the loan on time and was behind and they finally worked out a payment with me XX/XX/XXXX. Right now as of today the documents state that I will have repaid XXXX by the time I pay this loan off which is RIDICOULOUS!!! That is way more than the amount I borrowed and I would like for this loan to be evaluated by the CFPB and see if there have been some unfair lending practices with this loan. I am in over my head with these loans and I am unable to file them on my taxes because I was told that they are not student loans and they wanted me to call the school to ask if they can certify the loans so I can get federal tax credit. I did n't call the school because I figured if they are not student loans then when I filed my bankruptcy XX/XX/XXXX they should have been considered in the bankruptcy due to the fact that I have paid on these loans and am not able to file them on my taxes and still owe over {$9500.00}. I am never going to get these loans paid back and the amount is not going down. I have faithfully paid for the past 2 and a half years trying to keep my credit score from dropping but I do n't know how much longer I can stand to deal with this. I do n't understand why I am paying back 3 times what I borrowed. I am a single mother paying childcare. I would like to have loans that are affordable. I am not opposing paying the loans but It has been since XX/XX/XXXX and I am still trying to pay back some money that I did n't borrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Debt was paid off for XXXX. Debt was then put back on credit report after paid in full. Contacted XXXX who advised XXXX XXXX XXXX did not provide them any records of debt being paid off therefore I would need to pay account off before any services could be offered. I paid sprint my balance of XXXX. Was advised that XXXX XXXX XXXX no longer owns this debt. Disputed information with Equifax who advised this debt was valid but this in incorrect as 1. I did not pay them I paid the original creditor XXXX. 2. XXXX XXXX no longer owns this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Identity theft account XXXX See attached

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 2015-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2015 I went to the Bank of America located at XXXX XXXX in XXXX Georgia to put some items into my safe deposit box. After the confusion of the procedure for customers to follow to gain access into their safe deposit box ended, I was asked for my box number so they could provide access. Since I could not recall my safe deposit box number they had to look it up in their files. When the representative went to the location of where they keep the files for the safe deposit boxes my file was conspicuously absent. It was later determined that the represent that opened the safe deposit box had it in his possession. Why would a representative have a file in his possession preventing other employees of Bank of America from accessing it out of a legitimate need to do so? My safe deposit box was opened approximately three XXXX 3 XXXX weeks ago so it should have been placed in its central file location so that all representatives of Bank of America employees would have access to it if it were needed. Is there a legitimate reason for the Bank of America to keep my safe deposit box file in his immediately possession? Once they were able to find the location of my safe deposit box, my key did not work. It turns out that my contract says that I have safe deposit box XXXX but I was given a key to safe deposit box XXXX XXXX. When I opened the safe deposit box and placed my initial items in the box, they were placed in safe deposit box XXXX. I do not believe that this could have been done accidentally. All of the representatives that placed my key inside of safe deposit box XXXX told me that it did not go to that box and noted that the key was not going completely inside the safe deposit box. When I placed the key inside the safe deposit box it went in just fine and the safe deposit box XXXX opened. It would seem as if the Bank of America employees that assisted me in gaining access to my safe deposit box were actually attempting to keep me out of it. I have enclosed a copy of my safe deposit contract as well as the sleeve that contained the keys to the safe deposit box I was given that differed from the assigned safe deposit box on the contract. You have CRIMINALS in your midst as this is not the first incident I have had with Bank of America. I can only assume that you are not one of them, so my question becomes what are you going to do about it?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2022, I caused to be sent to Equifax a Certified Mail letter # XXXX XXXX XXXX XXXX XXXX " Permissible Purpose '' Letter requested that several accounts XXXX removed because Equifax does not have a Permissible Purpose as per 15 USC 1681b. Equifax did NOT remove the accounts but instead initiated an investigation which is NOT what I requested. My credit score went from XXXX down to XXXX. This has caused me to be denied credit and a mortgage for my first home. I intend to file a lawsuit against Equifax as per XXXX v Equifax where Equifax did the same thing to a woman who sued Equifax for inaccurately reporting accounts that should have been removed but instead remained and damaged her commercially and legally. Equifax is violating federal law and has caused my credit score to plummet XXXX points. I am filing this complaint as evidence that Equifax is violating my rights and federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
At extremely XXXX, I required to XXXX file XXXX charging complaint against Bank of America that they made extremely neglected against XXXX XXXX XXXX in their bank records included employees do not like me and my appearances so they did not let me know about a refund check in leading increased complaints with Bank of America will be continually increase suicide lead to XXXX XXXX XXXX. At extremely, I was not happy with Bank of America account that they did not tell me about how long do I join with Bank of America because of that I can not remember and I did not understand that BOA mailed me XXXX packaging included documents as please take enclosed document to authorized person who understand reading more than mine at this requests. I was not happy with Bank of America at formal request. I knew that Bank of America employees still refused released printed rent checks with sad icons in their banking computer with my bank account. They acted in XXXX that they afraid released my rent paid check with sad icons forwarded to Speaker XXXX XXXX and XXXX. Senators, plus YOUR HEADQUARTERS ADDRESS IN NORTH CAROLINA MUST YOUR RESPONSIBILITY FORWARD TO YOUR STATE XXXX. SENATORS ABOUT MY PRINTED PAID RENT CHECKS WITH SAD ICONS AT FOLLOWING REQUESTS. It was not resolved problem will be remaining stay extremely complaints. see next page:

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I contacted Navient to place my loans in deferment/forbearance while I collected the necessary documentation for my Income Based Repayment Application. The customer service representative told me Navient did not have the ability to stop my upcoming payment due to the fact I am enrolled in auto-debit payment. The customer service representative told me I had to call my bank to stop the payment. I did so and was told that payment would be stopped. However, Navient told me the incorrect amount of the payment which I then conveyed to my bank and because it was the incorrect amount, the stop payment order was not recognized and Navient was able to debit my account. Trying to rectify this with my bank, my bank informed me that Navient has the power to stop auto-debit at any time, for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I sent a letter to Equifax on XXXX XXXX, 2016 requesting to remove XXXX hard inquiries from my credit report. These were unauthorized and fraudulent credit inquiries under my credit report. 
On XXXX I received email with credit file : XXXX XXXX, 2016, Confirmation number : XXXX. There was the same exact responses for all the hard inquiries : Inquiries are a factual record of file access. I did n't get any proof of my signed authorization for these inquiries. I am requesting Equifax to remove these from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.

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 2016-07-25
Company: RMK Financial Corp
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Applied for a home loan to refinance our home with RMK Financial Corporation or ( Majestic Home Loans ) we received our Closing Disclosure on XXXX/XXXX/2016 with a 4.0 % interest rate. Then 4 days later on XXXX/XXXX/2016 I get a call from my Broker saying they now want to increase our rate to 7.25 % based on late payment history. This is 4 days after our " CD '' Closing Disclosure had been signed and dated ( XXXX/XXXX/2016 ) by my wife and I agreeing to the terms at 4 % for a 30 Year Fixed. Also, according to the Closing Disclosure we were supposed to Close on XXXX/XXXX/2016 and then have our Dispursement and Sign-Offs on XXXX/XXXX/2016. Well it 's now XXXX/XXXX/2016 and nothing has happened. We have not received any new terms in writing from RMK Financial Corp. / Majestic Home Loans in regards to their proposed interest rate hike. I 've tried to call the Lender, Majestic Home Loans direct, but have had to leave messages for the Accounts Manager two days in a row. And still have not received a call back. So as of right now my wife and I still assume we have a loan at the 4 % interest rate that we signed, dated and agreed to on XXXX/XXXX/2016. 

And according to other lenders I 've called for advice and friends in real estate that I know, they all say that Majestic Homes Loans is doing some illegal practices and trying to bully us into a high rate loan. Our LTV " Loan to Value '' of our homes is 30 %. Which means we have over 70 % of equity in our home. Should we walk away???????? Please Help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This debt was originally with XXXX. I disputed the debt with XXXX Credit services a year ago. Since then they removed the account after there 30 day investigation. Since then XXXX has sent the account to Southwest Credit Company which is a collection company. This company has reported it back on my credit again with there account number. I called this company on the phone and tried to explain that this account has been removed over a year ago

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
They call me all the time every day and Threatening, if I does not give my name and address the will damage my credit bureau. I answered, I do not have to give private information to anyone by phone and they insist. This action is repeated multiple times a day. The Agency name is Southwest credit system.. Phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: Navient Solutions, LLC.
State: TX
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 tried submitting extra payments to my account and was unable to get them properly applied to the loan that I specified. Navient equally split the extra payment across my three loans as opposed to applying the amount to the account with the highest interest that I was trying to pay off first. The staff at Navient was extremely unhelpful in getting this corrected. 

After a while, I finally got sick of Navient and decided to refinance. Based on the billing cycle, I ended up overpaying my loan. Getting Navient to refund the overpayment was difficult and took well over a month. This was extremely frustrating. The people I spoke to said that it just takes that long and that there is n't anything we can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: RAYMOND JAMES BANK
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We have become the victim of banking bonanza.Since 2008 we have tried many times to modify our mortgage to no avail and it is in foreclosure status, it is in court and we are helpless as both the debt collector and court is not doing anything to resolve the issue as we are eager to reside and keep our property.Time is going on and our debts increase as the collector does not accept payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation