BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: Other

Complaint:
There are actually two parts here - credit card and credit reporting and it goes back to XXXX In XXXX, I received a personalized application in the main for a new credit card from Bank of America. It was addressed specifically to me and not a generalized " Dear valued customer '' and indicated that I had a good credit score and qualified for a new credit card. After giving some thought, I applied for it. It was from Bank of America. However, a month later, in XXXX, I was denied for it with the argument that I had already reached my limit even though I have a XXXX credit score. When I received my monthly statement, it indicated that my file needed to be update or my card could be closed, so I updated it. I contacted Bank of America to find out why I was denied only to be given the run around. Finally, a worker told me that " it was a generic bulk mailing sent to everyone '' ( except for the fact it was specifically to me and not a generic heading ). In XXXX, I received my credit report from XXXX and it said my credit was checked twice by Bank of America, once in XXXX, right before I received the application and again in XXXX after I sent the application in. Now my credit, even though it is excellent, has that I was denied a credit card, which I would not have applied for to begin with if it was a generic bulk mailing and it has that my credit was checked twice in a short period of time, which only drives up my rates. I can gather my papers and send them in if you need, but I would either like to be reconsidered for the credit card, have it entirely removed from my credit report, and to have XXXX of the credit checks removed if I do qualify for the card. It was checked by XXXX different branches of BoA and it seems that XXXX does not know what the other side is doing and that they might have changed their minds after sending out the offer, both of which are bad practices. 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: PHH Mortgage Services Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been contacting phh mortgage for a assistance plan since XXXX or XXXX Everytime we send them what they ask for the assistance is denied. We 've received a letter with a supervisor name I called multiple times and I 've left maNY messages and no return call. Last week I called the number and now the msg says XXXX is no longer employed with phh. So I took down another extension for XXXX I believe. It 's going on 6 days and no call. We 're frustrated that they refuse to complete the assistance or give us a loan modification. Can someone pls help up? We want to keep our home. Just need a lower payment til XXXX gets XXXX. We 've given all the info to phh. We 've also had several loan managers and they dont return calls like the supervisors and reps. 

XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Navient Solutions, LLC.
State: VA
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:
On XX/XX/2022 I have contacted XXXX, XXXX and XXXX several times about the inaccuracies on the Dept of ED/ Navient and Navient that are being reported. Also there is a problem with the days being reported late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
After becoming aware that XXXX accounts had been placed on my credit report by this agency, I contacted the agency requesting verification of this debt. The information provided by the agency did not include any information positively associating me with this debt, nor had I visited the associated facility or received any of the medical services associated with this debt. Between XXXX - XXXX, I made multiple attempts to dispute this claim, both with the agency directly as well as XXXX & XXXX. The agency deleted XXXX account but validated XXXX remaining accounts while failing to provide me with any documentation substantiating this debt. On XXXX/XXXX/XXXX, I contacted the agency again disputing the remaining XXXX accounts and asking that the debts either be validated or deleted from my account.On XXXX/XXXX/XXXX, I contacted the agency again after notating that the collections were still reporting to the credit bureaus. After being told by the initial representative that the dispute was placed with the Dispute Department on XXXX/XXXX/XXXX, this was later given denied by the dispute representative and he asked for me to give the agency more time to validate the dispute. I refused this request in accordance with my legal rights and asked that the issue be resolved by close of business today. The representative informed me that he would need at least 3 business days.This false reporting has negatively impacted my credit score adversely affecting my ability to qualify for a home and car loan during this 180+ days..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Diversified Adjustment Service, Inc.
State: CA
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:
Never received a phone call from XXXX. Never received a bill. This is due to they were sending it to an address that is not mine. the account was opened with an address of XXXX, CA XXXX. I have NEVER lived here. I have a police report # XXXX. I have sent in a notarized fraudulent letter to the original creditor. The collect Diversified Adjustment services, is still reporting this as a collection on my XXXX account. the fraudulent address is till being reported as mine. recently received a letter from a new collection agency requesting paying for same bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was not able to pay my debt to Discover Bank Credit Card. I tried to work with them to get the interest rate reduced and a payment plan that I could afford but they were not reasonable. On XX/XX/2021 I recieved form 1099C cancelling and forgiving my debt to Discover Bank. Since this form is reported to the IRS as income, I do not owe the debt of. {$6300.00} to Discover Bank anymore and they need to report to all three credit reporting agencies that I no longer owe this debt and the status should change from charge off to cancelled with XXXX owed. This debt forgiveness substantially reduces my overall debts and aids me in repairing my credit. NOTE : I did NOT declare bankrupcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: Navient Solutions, LLC.
State: NC
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have recently ceased an auto debit program at Navient XXXX XXXX XXXX XXXX Student Loans due to their processing times negatively affecting how I budget my income each month. I am currently on an interest only income based repayment plan and will nos be paying using a Web based bill payment feature through my bank to better control how payments are disbursed. 

As a result of recent fraudulent activity, where {$470.00} was taken from my bank account by XXXX fraudsters, I was unable to pay my monthly bill, yet Navient continues to harass me and my parents ( co-signers ) up to 8 times a day from various numbers XXXX to name a few. In some casesthese calls are received prior to XXXX. I am working to secure an affidavit from my bank regarding the fraudulent activity. 

In the meantime, I am fully aware of the debt I owe and do my best each month within my means to pay a monthly amount. The harassment diminishes my quality of life, my parent 's quality of life, and interrupts my rest when I am on legal rest during my time away from home in my role XXXX. If my parents had the means and proper notice by Navient, they would assist me during this stressful time while my bank resolves the fraudulent activity, but they can not and therefore do not deserve the multiple phone calls per day that leave them anxious that I, or anyone in my family may have an emergency. I ask for your assistance in asking them to cease and desis the incessant phone calls as well as mail notices reminding us of my debt. We get the picture, they want their money, but it wo n't come any faster by harharassing the debtor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-30
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello I sent a certified letter to equifax concerning a bankruptcy that was listed on my credit report. This was in  XXXX   2017 . They signed for the letter on  XXXX   XXXX   2017  and failed to mark it disputed on my credit report as of  XXXX   XXXX ,2017. They also sent me a letter in  XXXX    XXXX ,2017  saying they verified it with  XXXX  in  XXXX     2017  but i froze my report on  XXXX   XXXX ,2017. They are clearly being dishonest and breaking the law.     thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: General Motors Financial Company, Inc.
State: FL
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 have contact Gm Financial to let them know this account was open by someone else I even send them identity theft document that i report to identitytheft.gov i request document from them and gave them 30 day to reposed and didnt get no document from them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
When checking my Bank Of America checking account in XXXX in 2019 I noticed a {$50.00} withdraw at XXXX that I have not made. I contacted the BOA customer service to stop my card and send me a new XXXXne. I rechecked my account a couple of days later and I found out that before ever receiving or activating the new card, two charges appeared on my bank statement. A charge of {$800.00} from XXXX XXXX with {$3.00} charge and {$100.00} from XXXX XXXX ATM on XX/XX/2019. I contacted XXXX again to inform them that I have not received the new card and there are new charges that I have not made. The bank stated that they have sent my card to my address and was activated. I opened a new claim. A month later the bank denied to pay me the {$50.00} and {$900.00} and closed the two claims. Later I send BOA a letter requesting them to reinvestigate and open the two claims. I have also sent a police report for my lost card and the charges made. The bank again declined to pay me back my {$900.00} and closed the claim. They accepted to pay me back my {$50.00}. I spoke to BOA customer services more than three-times to request information about why they have declined to pay and what they have found during the investigation. I never got an answer to any of my questions, they state that they don't have permission to give me any details about what they found during investigations and told me that the person that made the withdrawal looks like me. They have accused me of stealing my own money. I am in the process of closing and withdrawing all my money from BOA checking and saving accounts well as closing my credit card. What should I do to get my money back?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-07
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I called XXXX around XX/XX/XXXX XXXX XXXX  and attempted to enter into a payment agreement. Per the attached statement they told me that my minimum payment due was {$96.00} and my payment was already reduced. They asked me how much lower I needed the payment. I told them that I could make the payment and asked if that would stop my account from becoming a charge off. They agreed that if I made the {$96.00} payment it would resent my past due amount by XXXX days and help me catch up. On XX/XX/XXXX I was notified that my account has gone past XXXX days and is charged off. The agents incorrectly read the last payment in the amortization schedule as the current amount due when in fact the payment due was {$310.00}. I was given incorrect information by the creditor which lead to the charge off. I also submitted more than XXXX research request and they refused to rectify the situation. I am requesting the charge off be removed from my account, and the payment history of the original loan be removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
my address is XXXX XXXX XXXX XXXX, MD, XXXX Kindly delete all old addresses.

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 2016-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On about XXXX XXXX of this year I applied for and was approved for a Bank of America Cashback credit card. My wife and I got our cards about 3-4 weeks later and started using them shortly thereafter. Around XXXX XXXX, I tried to use my card at a few vendors that I commonly frequent, and the charge was denied. On XXXX XXXX, I called Bof A, and spent about 1/2 hour on the phone trying to get an answer as to why my card was n't being accepted. The only thing they could tell me was that my account was frozen and there was nothing they could do, including telling me why the account had been frozen. I was told I would receive a phone call from BofA within 48 hours. After approx. 48 hours with no phone call, I again called BofA on XXXX, spent nearly 1 hr trying to get an answer, but to no avail - again, nothing they could do, including telling me why the account had been frozen. I was told I needed to go to go to a BofA branch to resolve the account, but the nearest branch to my home is about 1 1/2 hrs round trip - very inconvenient. 

On about XXXX XXXX, I got a letter from BofA , which was very vague, but indicated my account had been frozen because of information from my XXXX credit report. But once again, no specifics. I am very frustrated, even dismayed, by my entire experience throughout this ordeal. I feel I have been treated very unfairly and I am seeking resolution through a 3rd party because I have gotten nowhere with BofA.

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 2020-03-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have owned my home for 20 years. I am XXXX years old. The loan was originally a VA loan. It was then refinanced as an ARM pick a pay. It was sold from world to XXXX ( or XXXX to XXXX, then to XXXX XXXX and finally to Rushmore Loan Management where the biggest problems started. My interest rate when Rushmore bought it was,XXXX in XX/XX/19, then It Dropped to XXXX, then to XXXX. They started with monthly payments of {$1600.00}, they raised it to {$1700.00} in XXXX. Then {$1800.00} in XXXX which I couldnt pay yet. My interest rate drops and my monthly payment goes up. 

Their excuse is they want to catch up on amortization. I only owe about $ XXXX and the value of the house is over $ XXXX. I spoke to XXXX, a supervisor today to explain I cant pay yet. They cant send faxes. Their web sit is not fully Working. 

They asked me to mail them authorization to talk to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I honestly no longer want to be in contract with bank. its predatory. they have charged off my car loan and continue to call me obsessively. I would like to get my title. I never received a copy of my title at all and when requested I was denied. here in XXXX we can not register the car without a title. I purchased the car in XXXX  and never got a title at all. I can't register my car therefore ca n't drive it. it's been over a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
In XXXX of XXXX, I reviewed my credit reports to find that Portfolio Recovery was reporting a debt that I was never contacted about. I sent Portfolio Recovery a validation request and in XXXX they responded to my validation request stating that they needed more information to process an investigation. Now, how can you report something on my credit file if you as a company need more information from me the assumed consumer to process my request based on the information you provided. I again attempted to get validation of the same in XXXX of XXXX and to date have not received proper validation of this debt. And according to the Fair Debt Collections Act 809 ( 4 ) the debt collector has 30 days to provide proper validation, this has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Kriya Capital, LLC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. CREDENCE RESOURCE XXXX XXXX Provide Physical Verification UNVERIFIED ACCOUNT * Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is a consumer report on my credit report that does not belong there. The consumer statement says that no past due or collection should be reporting a balance and I do not want it there because I do NOT HAVE any negative Items or lasts due items on my credit report and I have disputed it million of times and it has said that it has been deleted but it is still reporting on my credit report and it needs to be deleted right now and also there is a inquiry that needs deleted along with other ones that were deleted for the pentagon fed inquiry and it needs to be deleted now

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Money was unauthorized and fraudulently taken from a family members bank acct who was very ill at the time and is now deceased. The bank acct was thru Bank of America ... Can the transaction date and time be retrieved? and the actual person or persons who fraudulent took the funds from the acct?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: AK
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:
XXXX XXXX XXXX XXXX gave information about my account without my consent, to all three credit bureaus, which is against the law-15 U.S.C. 1681 section 602 A states I have a right to privacy ; no written instructions to be put on my credit report.

Company response to consumer: Closed with explanation