BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-06
Company: WELLS FARGO & COMPANY
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX Dear CFPB ; I Filled bankruptcy, XX/XX/XXXX, On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ca. XXXX. XXXX, CaseXXXX. They Called I Talked To XXXX XXXXXXXX XXXX He Was So Horrible Demanding Payment Immediately, Was Told FICA From Bank, And The Federal Government Will Garnish My XXXX  Checks, That I Am required To Pay Even With My bankruptcy, Would not allow me to talk to my lawyer, Made me pay {$30.00} And That They will Now Take {$100.00} a month out of my bank, This Was with Wells Fargo Bank about 7 years ago. I Have Received No Notice, No phone calls, nothing, And I was Threaten So Much, I was Shaking! I contacted My attorney.

XXXX XXXX   XXXX Chapter XXXX  Case Manager XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New Mexico XXXX Telephone : ( XXXX ) XXXX XXXX XXXX Facsimile : 1  ( XXXX  ) XXXX   email : XXXX website : XXXX XXXX XXXX   They Said Not To Speak With Them again She Was So angry At Them. 

Please help 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 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX - XXXX - XX/XX/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 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 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2016-10-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have disputed several reports on my Equifax credit report. After repeated request for Equifax to mail me an up to date credit report showing the corrections that were made and my current credit score they have failed to comply with my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29
Company: John C. Heath, Attorney at Law, PLLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XX/XX/XXXX {$14.00} sign up fee and {$64.00} 1st months fee. XX/XX/XXXX {$89.00} monthly fee and {$19.00} late fee. XX/XX/XXXX {$89.00} monthly fee. Those were fees to dispute and resolve a claim on my account. But for 3 months the status on my account read 0 claims resolved. Them claim was {$1000.00} and i felt as if they're not doing anything to resolve the claim because everytime i contact them i get the same response. We wrote them and we're waiting to hear back. I felt in 3 months they should have heard back from whoever they were waiting to hear from and that i could of paid whoever made the claim if i was going to pay them anywhere from $ 500- {$1000.00} to resolve the claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-23
Company: CL Holdings LLC
State: IL
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:
I NEVER EVER APPLIED FOR THIS ACCT IN MY XXXX LIFE!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2020, I opened a Citi Priority Checking and Savings account. Soon after ( within 30 days on XX/XX/2020 ), I transferred an amount of {$50000.00} from my XXXX account into the new Citi account, and the terms indicated that I will receive a bonus of {$700.00} if I maintained that balance for 60 days. I continue to maintain the balance but have receiving no bonus. 

I have previously complained and Citi said it was too premature. Complaint ID XXXX. Since then, I spoke to them as well and a rep confirmed that I am eligible and raised an internal inquiry and I have not heard back from Citi. 

This has now taken more than twice the time Citi has promised for the bonus for account opening, and this is really deceptive way for them to get and keep my deposit.

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 2016-11-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have requested my free annual credit report from all XXXX Credit Bureaus ; of which I received from XXXX and XXXX. Equifax constantly states my information given does not match their records. So I then go to the Equifax website to try to dispute info on my credit report. Again, I still receive the same message. I have a XXXX account and I put the same info they have listed on their into Equifax online dispute form page and it sates, " Information does not match their records ''. So I call Equifax and am told to fax over documents and if I want to gain access to my credit file online I would have to pay for it. I believe Equifax is giving this prompt out to many people so that they can sell you your credit report and make profit. The information I 'm putting in is the exact same as I see on my XXXX XXXX profile page. I currently do not have a mortgage, car loan or credit cards but the security question prompt will not accept " None of the above '' as a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had an account at Bank of America for years. About two years ago I went in to close it since I no longer used it. I was told there was no need to close it since it was a free account and there was no way they could change my account and start to charge my free account. I then left {$20.00} in the account to keep it active. This year I find out through XXXX that my account was low. It turns out my account was now {$16.00} in the hole and there was the threat to charge me an additional {$35.00} insufficient funds fee. Having no other option to close the account I had to pay them {$16.00}! No one would refund my account so essentially Bank of America stole {$36.00} from me. The {$20.00} that was in the account and the {$16.00} extra that I had to pay. Infuriating to be lied to by bankers that my account could never change. I would have closed it long ago if I knew they could change the terms of the account without my approval.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
In XX/XX/XXXX XXXX ( XXXX ) XXXX rented her house and deposited the {$1900.00} security deposit in a newly opened savings account at the Bank of America branch located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. She had long maintained a checking at the branch, automatically deposited her social security check there and had financed the purchase of her home with a mortgage loan then held by Bank of America. 

Shortly before her house was rented, XXXX moved to XXXX XXXX and started making deposits and withdrawals to her checking account at the Bank of America branch located at XXXX XXXX XXXX XXXX XXXX, CA XXXX. In or around XX/XX/XXXX, the bank required a savings account balance of {$2500.00} in order to avoid a monthly fee of XXXX dollars. It notified XXXX by mail of its new minimum balance requirement. She was born and raised in XXXX and does not read English well, if at all. She also failed to notice the charges on her bank statements perhaps because she had no formal financial training. As a result she remained unaware of the fees,, Recently when discussing her accounts with representatives of the XXXX XXXX branch she discovered that the monthly fees had reduced her savings account balance to {$1300.00}. 
The bank considers her a " valued customer over 25 years ''. 

She respectively requests that these fees be reversed. 


.

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 2022-10-10
Company: Navient Solutions, LLC.
State: VT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient claims to have a Tuition Answer Loan co-signed by my father. The documents Navient has sent me claim the loan was disbursed at the XXXX  XXXX XXXX XXXX. I never attended the XXXX  XXXX XXXX XXXX. 

I believe we qualified for the loan, but the loan was canceled on our end at the XXXX XXXX XXXX XXXX student loan office. My documentation for the loan was lost during one of my many moves do to being unable to afford housing. 

I don't recall accepting this loan and the fact that the loan documentation in the hands of Navient incorrect is beyond concerning. 

Further, I just filled out my PSLF forms and it noted none of my loans are in an income based repayment plan. This is incorrect, my loans have been in an income based repayment plan for over a decade. Again, this a failure to properly account for and maintain loans. 

Additionally, I was fraudulently placed and steered into a full forbearance ( not want I wanted or understood ) on my loans during a long period while recovering from a serious XXXX XXXX  that almost left me XXXX. I would also like to note that a Navient employee told me that my wife and I shouldn't have had a child during this process. Just absolutely sickening and vile behavior by Navient and its employees. 

XXXX XXXX XXXX XXXX XXXX XXXX Current Owner NAVIENT XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I was going through my credit report and listed on my report is a previous address in XXXX XXXX. I have never visited, or lived in this state. I have always loved in the State of XXXX. I have only visited the states of XXXX, XXXX, XXXX XXXX, XXXX, and XXXX. Apparently there is some identity theft or fraud happening, or has happened in my name. I would like this to be investigated thoroughly and some type of report submitted on behalf of my name to clear up any errors or collections that I have no connection to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have charged off debt of {$3200.00} from a Bank of America credit card. The account became delinquent in XXXX of 2009. Bank of America gave me a 1099-C Form to file with my federal tax return. As instructed, I used the charged off debt as income. To date, Bank of America is still reporting to the credit bureaus agencies that I account is active and open. I have called Bank of America several times asking them to close the account and update it as charged off. BOA told me that they ca n't legally collect on the debt because it it is charged off. The agent asked me to settle the {$3200.00} debt amount for {$2000.00}. I explained to BOA that the debt is charged off and settled. More importantly, I already filed it with my tax return as income. Please help me in getting BOA to close this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been a victim of identity theft, Police report has been submitted it to the Creditor that includes their account Bank Of America they said that the account was verified, How? just by assuming that my name is the same and the address match their records. Therefore is mine, I am not denying that the account is mine, Identity Theft Victims when accounts are hacked the perpetrator uses the person identity to identify that they are the actual account holders. when they are not, this is what Identity Theft is all about. ON XXXX XXXX, XXXX I wrote a letter to the Bank Of America requesting the information you will see in my attach letter asking for copies of the charges slips with my signature on it, their investigation report to verify if in fact the signature match my own signature. I mean what is wrong to ask for, a very important information However Bank Of America have denied such right, but YES they can verify me by only saying that the name and the address match their records of course it will match their records does the thieve will say I used this account on XXXX XXXX behalf. That is why I need to verify my Signatures on every transaction it was done on this Credit Card. if they do n't have that information them the account is NOT verifiable. in my letter I am stating dated XX/XX/XXXX that the Law directs to provide with the documents requested at no charge without requiring subpoena within 30 days if in 30 days they fail to respond the account should be Remove/Deleted from the XXXX major Credit Bureaus Company 's because, they fail to Provide me with documents requested I have never received only a letter from Bank Of America stating that the account is mine, therefore now I am asking you to use the Provisions and Regulations under the Fair Credit Act to request Bank Of America to Remove/Delete this account, because it 's being reported it every month to the Credit Bureaus that the account it is Closed but is over the limit when the account is closed, also being reported it as being Late when is closed, on top there is a violation of statute of limitations because according to their records the last payment they received was in XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX is about 6 years old. In the State of California states that either Verbal or written Contracts if they are over 4 years are not collectable.

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 2020-12-29
Company: EQUIFAX, INC.
State: GA
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 disputed a few accounts with Equifax and after a response from Equifax through CFPB stating an investigation would be completed. Equifax has not responded to my dispute and continues to report the unverified and inaccurate account on my credit report, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts they post on a credit report. I am now seeking action from Equifax. The inquries submitted on my account XX/XX/2020 must be removed. Equifax was unable to secure verification/proof, a copy of a contract, nor were they able to obtain my signature showing the true ownership of the inquires on my account. Therefore these inaccurate/unverified accounts resulting in incorrect information on my credit report should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I went into Bank of America to make a deposit to pay on a bill. the deposit was for {$75.00}. Once I looked at the receipt, i noticed the last XXXX of the account number the teller deposited my money to did not match my bank account number. Apparently, she deposited the money to another account. I stated that I wanted the money in my checking account so I could pay a bill. This is obviously the teller 's mistake. She stated she could not change the deposit although she apologized. 

Of course I asked to speak to the manager, he said he would investigate. Investigate? Investigate that my money is not where I specifically told them to put it? 

Then I am told that the money was deposited to a CLOSED credit card BOA claimed that I opened in 2006. I have never had a BOA credit card, I applied but I was not approved. I asked for the credit card info- account number etc. I am told that since the account is closed, I can not get that information. 

1. I stated the money to be deposited to my checking account and it was not - BOA 's error2. The money was deposited to a credit card I do not own- I checked my credit which I subsequently pulled my credit report and I have never had a BOA credit card. 
3. So where is my money?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
I went to Chase Bank online and access my account and try to review the Bill Payment I made to XXXX XXXX and XXXX and there'e option to get proof of payment but when I download the documents did not allow me to save the document nor print I understand many of the option are self services but should accessible via Computer, Laptop, Tablet and Mobile and I should be told by the staff such Customer Services or Bill Pay that they unable to print and mail proof of payment to the customer and I was informed that go to branch and ask a Personal Bank and this office as well I know that they are not speaking with customer and I told that the not the account and could not give me reference number to complaint I made. All online banking self should be access to the customer. They should be able to mail the Bill Payment information upon request. Please investigate and all misconduct and mismanagement found all individuals be convited according to United States Federal Regulations. There will not option to select Checking Account nor indicated it Bill Payment Complaint on this website

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Bull City Financial 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: Their investigation did not fix an error on your report

Complaint:
I sent out multiple debt validation letters to XXXX, XXXX, or Bull City. I have sent out multiple letters to Bull City with no response. XXXX responded saying that they could not find my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Experian Information Solutions Inc.
State: GA
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 had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, and which are all in default, should make it obvious that these accounts are not mine and never were. Please remove them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Experian Information Solutions Inc.
State: GA
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:
Unauthorized inquiries were discovered on my most recent credit report. I never gave these companies permission to access my credit report : this is identity theft.

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 2017-05-21
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
My husband of    18 years  and I have  XXXX  joint credit cards, among our own others. In my current credit report, I 've finally noticed that Experian is the only reporting agency that actually halves my " available credit '' for  XXXX  joint card, and completely omits the  XXXX  joint card and gives him full credit for that joint card towards a more favorable score. We have that card paid off every month and are carrying a balance on the  XXXX  Experian " lets " me count.

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