BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Late fee

Complaint:
XXXX XXXX, XXXX, ( XXXX NC ) sent my credit card to the wrong address setting up the path for XXXX late fees. The fees then set the card to cancel and give me and my dad lower FICO scores because of the bad credit ping

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 2016-11-23
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have student loans that have been consolidated, sold, closed and even transfer. These loans are still currently on my credit report and hurting my scores. I am requesting the removal of these old student loan accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
In 2008 We had a Countrywide loan when Bank of America took it over. Bank of America immediately put us into foreclosure proceedings even though we were not late on our loan. It took us 4 years, and finally negotiations from our state senator forced them to write us a Harp loan at 7.5 % interest. We want to refinance now and everywhere we go, they wont talk to us because our credit is showing XXXX late over 90 days. This is NOT OUR FAULT! How do we get them to remove it from our credit?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My account was unexpectedly limited and shut down without warning. I contacted PayPal and they said I violated the terms and conditions even though I did not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX  XXXX  XXXX XXXX I noticed I was unable to access my Bank of America on-line banking. I made countless attempts to contact various departments at Bank of America and each time was either placed on a excessively long hold loop which finally resulted in a message stating said department was not open or simply kept me on hold. I spent XXXX HOURS on XXXX  XXXX XXXX attempting to resolve this matter unsuccessfully with the Fraud Department who said there was no issue they can see with my on line access. 

This morning, XXXX  XXXX XX/XX/2022, I have again attempted to resolve this and have spend an additional XXXX minutes listening to people " apologize for the inconvenience '' and then transfer me from one department to another, all with " higher than normal wait times '' resulting in my being placed on excessively long hold periods. 

I remain unable to access my on-line banking, investments or any financial management programs. The only rationale explanation is incompetence or a desire to sequester my funds without my permission to utilize them for unauthorized purposes.

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: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I applied for forebarence on my Navient loan which was approved. They continued to call and harrass me for payment anywhere from 6-10 calls per month. I finally spoke to a person in XX/XX/XXXX and they told me the loan was n't in forebarence even though I had a letter stating it was. I negotiated with the collections rep to make a double payment by the XXXX of the month every month until the loan was brought current. I made that first double payment XX/XX/XXXX on the phone. I sent the second double payment XX/XX/XXXX via mail which they received on XX/XX/XXXX. My next double payment should n't be due until XX/XX/XXXX. This morning ( XX/XX/XXXX ) I received a phone call saying my payments are late and need to be brought current. No record of course with me negotiating the double payment back on XX/XX/XXXX. I am doing what I said I would do and the phone calls and harrassment does n't seem to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I get a regular monthly charge that varies in amount per month. Apparently it is removed from my account on the XXXX or XXXX of the month, but does not show up on my online account statement until the XXXX of the month. The website shows I have money when I check it every morning, so I use some of the money that is " available '' after " pending. '' Bank Of America then charges me overdraft fees for all the amounts that I have used when they backdate the charge. My statement then shows I have money but was charged several overdraft fees for money I was " deceived '' into thinking I had. I do know the charge is coming and sometimes I take the hit on the overdraft fee. I do not expect XXXX overdraft fees I only expect XXXX. 
As per my copy of my " online Bank Statement '' it shows i had funds for the charge on XX/XX/XXXX a purchase for XXXX and available balance was XXXX, they then charged me XXXX overdraft fees when the statement shows I have funds. Makes no sense!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When HARP started my county ( XXXX XXXX, Florida ) opened an office to help residents get refinancing for their home loans. I filled out the paperwork, the county submitted it to BofA.. When BofA received the application, they immediately started placing all of my monthly payments in a private BofA account, ( they called it escrow ), not in the loan account. It started showing up as NO MONTHLY PAYMENT MADE on my credit report. The county complained, I wrote letters to BofA. I got a response that said they were holding the payments in escrow.. and I was NOT behind. BUT, on my credit report is showed I had not made a payment in over 2 years. That is still on my credit report. I have letter from BofA in XXXX stating that I was up to date on payments. BUT, it still shows on my credit report that i did not make a house payment for over 2 yrs ... They eventually rejected my application. BUT, NEVER retracted the 2 yrs. I complained every way possible. Lawyer wrote them.. still it shows on my credit report that i did not make house payment for 2 yrs.. I applied to another firm for refi. They saw the BofA entry.. Asked me.. i sent them the payments for every month for 2 yrs. They said BofA should remove that statement. They did refi my house. BUT, I still have the lines in my credit report. I needed a XXXX in 2010. They would not grant it because of the line in my credit report. XXXX sent an investigator ( retired FBI agent ) to my house for interview. I showed him my file, he agreed, BofA was lying on the credit report. I was granted the clearance based on his review. I got to XXXX and my agency hasseled me over it. I fully expect that my clearance will not be renewed when the time comes because the line is still in my credit report. I have tried every way possible to get BofA to remove that line. If you have another way? Please speak help me. It keeps my credit score low because it shows i did not make a payment for over 2 yrs. 
thanks for reading this ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Southwest Credit Systems, L.P.
State: NJ
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: LAKEVIEW LOAN SERVICING, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took out a mortgage in XX/XX/XXXX. I took out a loan from Lakeview ( subserviced by XXXX  ). I have downloaded the app for my phone and also attempted to pay online. I have not been able to submit a payment online on the website or the smart phone application. I have had to call in each month to make my payment. 

I am able to log on via the website. It shows my loan details but whenever I attempt to make a payment, I get an error and it doesn't allow me to set up payments. So this leaves me with my two least favorite payment options. Call in or mail in a payment. This would be the expected methods of payments if it was XXXX and not XXXX. I should have the ability to make payments in any method I choose. 

I understand that technology sometimes has issues. There is no reason in my mind as to why I have to mail a paper check or call in to make a payment. This company needs to fix their application and website to allow customers flexibility in making payments.

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 2017-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I spoke to the representative XX/XX/XXXX when they promised to remove the items XXXX and XXXX since it unverified and not mine. They removed all of the other names and addresses but forgot to remove the XXXX wrong items on my credit report that have yet to be verified. The representative on XX/XX/2016 made a smart comment about my XXXX and how its my problem to fix when it should of been removed as promised as of XX/XX/XXXX when I spoke to the first representative that added the fraud alert and went over my credit report and help me with my situation in getting what was accurate on my report.Very disappointed on how consumers are treated by you guys customer service. Especially to a XXXX veteran.

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: FIFTH THIRD FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Account/Card for debit and ATM has been suspended due to potential fraud. The bank gives XXXX avenue for clearing the suspended status, by calling a specific number. This number is not working, and hangs up after about XXXX XXXX of hold time, consistently. Other efforts to talk with the bank results in getting directed to the number that is not working. I am effectively unable to access my money, and my account will stay suspended until a fix is implemented. The bank refuses to provide other options for remediation. This will impact my life, as I can not access my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
We were subject of a fraud enacted by an account holder at the below bank Chase Bank, XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXXXXXX Sort Code XXXX The account holder hacked the e-mail address of one of our vendors and advised us that they had changed their bank account and fraudulently asked us to settle 2 amounts as follows XX/XX/XXXX {$360.00} XX/XX/XXXX {$2100.00} We wrote to Chase bank on XX/XX/XXXX and tried reaching the manager by phone since but they do not return our letter or phone calls. We need to know the fraudulent account details such as name and address so we can file a police report and reclaim or lost funds. We also request refund of this money from Chase Bank for allowing a fraudulent account to be opened by their account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: ORG GC GP Buyer, LLC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I previously submitted a Complaint about this this collection agent. In response to the complaint, they submitted complete LIES.     The response is a complete LIE! The response states : ... in response,  GC Services sen t  XXXX   XXXX  a letter on  XXXX   XXXX ,   XXXX   verifying the name and address listed on the account as well as the amount owed with our client. The letter additionally included an itemization of the current balance owed and enclosed billing statements provided by our client to confirm the underlying amount owed. In addition,  GC Services  has updated  XXXX   XXXX  credit reports to show the account as dispute d. 5.  Our client reported to us that payments have been made on this account and that the line was opened and obtained using  XXXX   XXXX  security question and/or password.  6 . We apologize for any inconvenience caused through our collections efforts. We encourage  XXXX   XXXX  to contact  GC Services  so that we may assist her in completing a fraud and identity theft application or provide other assistance to help her resolve this account.     NONE OF THIS IS TRUE. GC Services HAS NEVER RESPONDED TO MY LETTER. I did NOT RECEIVE ANY SUCH documents, itemization, NOTHING that the claimed in their response. Additionally, the phone was not leased with my security question or password.  XXXX  ACKNOWLEDGED they allowed someone else to lease the phone without these things,  XXXX  stated she was allowed to upgrade the phone " based on her POSSESSION OF THE OLD PHONE! '' This response further differs from what  XXXX   XXXX  told me during my conversations.     The ONLY PROOF of the amount owed that  XXXX  knows is in dispute is the {$170.00} " lease cancellation fee '', again, I demand proof of an executed lease! That is the ONLY proof that supports the charge - not an account balance or itemizations of FRAUDULENT charge. I asked for PROOF OF A LEASE which is the subject of the {$170.00} debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-02
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I was the co-signer on a loan. The borrower was unable to pay, and defaulted. I settled with them for a lump sum payment. After paying, they will not allow it to be removed or updated on my credit report. It still shows I own them $ XXXX. I have called them a number of times. They just say it 's not there department, and transfer me to another, this happens about 3 times before they send me back to the main number. I have tried emailing, and calling every number I have for them. They are NO help at all even though I paid them for a loan I never personally got benefit for ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My XXXX and I are both trying to temporarily unfreeze ( thaw ) our Experian credit report. We are unable to contact Experian by phone ( their customer service line is fully automated, it's not possible to reach a person ; and we can not set up an account to request this action online - apparently because our credit report is frozen ). On XX/XX/XXXX, I mailed paper forms to Experian requesting the thaw, and I checked the option for them to promptly notify me by email of their action, but have received no reply. 

I need to complete action on an application for a credit card by the end of this XXXX, but Experian is the sole and XXXX road block. The other XXXX Credit report companies- XXXX and XXXX- both were able to promptly unfreeze my report on the same day that I requested. 

Can CFPB take steps to require Experian to acknowledge my request and respond promptly? 
Thank you 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 non-monetary relief
Consumer complaint received 2022-11-14
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX amount for {$520.00} XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXamount for {$75.00} XXXX XXXX XXXX- the amount of {$50.00} XXXX XXXX XXXX.- the amount of {$1800.00} 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency make any consumer report containing any of the following items of information any other adverse item records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-01-28
Company: Flagstar Bank, N.A.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Mortgage loan for Flagstar Bank still reflecting on my credit report and was closed /transferred in XX/XX/2004. Past time for loan to remain on my credit report.

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 2016-03-09
Company: Student Debt Center LLC
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I had filed with a debt forgiveness program call Student Debt Center. I have been in contact with their rep named XXXX XXXX, she informed me there was a {$600.00} one time fee for the services provided. I then payed this amount I was then informed that there would no longer be any payments that would be made due to the fact that I had payed the {$600.00}. Today I XXXX/XXXX/16 I saw a payment to XXXX who has my student loan of {$120.00}. I called and talked to them to find out why my payment was made. I was informed it was because I had auto debit and they had only received the paperwork only yesterday. I then spoke with the rep and told her the situation. She then informed me that the debt forgiveness program was supposed to be a free service and that I needed to file a complaint as soon as possible. She then refered me to this federal branch I was then instructed to file my complain online and contact legal aid which I have done. I would like to have my {$600.00} returned seeing as that there is only XXXX income for my house hold and I have a young baby.

Company response to consumer: Closed with explanation