BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
in XX/XX/XXXX I authorized XXXX motors to do a credit check for them to get me a loan on a motorcycle. THEY then allowed XXXX more creditors ( XXXX XXXX and XXXX XXXX XXXX ) to pull a credit report on me as well. This was for XXXX loan and I now have XXXX hard inquiries for that. Is there any way this can be changed to just XXXX report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a Credit Card with Bank of America. The account was in good standing, paid in full and on time. I closed the account in XXXX of 2015. This is not disputed by Bank of America. In XXXX of 2015 ( a full 3 months after the account had been closed ) Bank of America re-opened my account without my authorization and accepted an unauthorized charge of {$9.00}. Bank of America did not send me a statement or mail a notification about what it had done until XXXX XXXX, 2015 when I received a past-due letter. Additionally, Bank of America reported me as delinquent to the credit reporting services which had a negative impact on my credit and my credit score. Never did I authorize Bank of America to re-open my account after closing it in XXXX of 2015 and never did I authorize a charge of {$9.00} on my closed account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-12
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
On many occasions, I reached out to XXXX and Navient to make reasonable repayment for my student loan. I 've yet to receive an equitable payment plan of relief that would easy my debt. Rather, numerous fees accumulated with no disclosure which resulted in increase in the amount owed. I now have an outstanding balance is XXXX, which is not the amount borrow for my education. I have not been protected with any benefits in finding the right repayment plan. I am having a difficult time paying this amount back and mostly will deal with the impact of this debt the rest of my life. XXXX/Navient has misled me with their repayment methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Some XXXX made a duplicate copy of my debt card and made purchases in todays of a total of {$450.00} in XXXX, Texas. My bank contacted me to inform me of the fraud activities and I put a claim in to get my money back. I also cancel the card are will change my pin once I receive the new XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-08
Company: Navient Solutions, LLC.
State: MI
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:
Navient has continually made it difficult to understand there loan collection rules. Next to impossible to acquire accurate information. Upon calling it 's difficult to get an actual person on the phone. The online account for loaners is never up to date with current information displaying inaccurate balances, payment dates, and other loan status information. Aggressive collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Transaction issue

Complaint:
We used autopay to pay off our statement balance with FIA Card Services, a XXXX XXXX XXXX card. However, the payment was returned ( never applied to the account and never debited from the checking account ), and we were charged a return payment fee. There was no late payment because we had already submitted the minimum payment due. We called on XXXX XXXX, 2016 to make the payment in full again and to get reimbursed for the return payment fee ( the fee was eventually reimbursed ). We submitted a payment over the phone on XXXX XXXX, 2016 to the credit card through FIA Card Services. The new payment was never applied to the account balance, but the transaction still shows on the checking account, which is also through XXXX Those funds are now missing, and the FIA Card Services website shows " You can not login to FIA Card Services. You do not have any open accounts. If you believe this is an error, please contact customer service at XXXX. '' We called the number and waited on hold for XXXX and half minutes and were unable to speak to a representative. The card account is now with XXXX XXXX XXXX, however they do not have a record of the account balance yet.

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 2017-01-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been set up to repay based on income several times and it always seems that either paperwork does n't get mailed to me for deadlines, payments have been taken out twice, payments have n't been taken at all resulting in me having to start over in the rehabilitation programs, I was hounded before I even graduated, and they are saying I owe way more than borrowed. My student loans are double the cost of what school was supposed to cost me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have master card credit card from bank of america I found transaction in my statement XXXX for XXXX XXXX MI. I did not made this transaction and i did not know any thing about this merchant. I made a claim to Bank of America after that they sent me a new credit card and remove this transaction. about one month later they called me and denied my claim. I tried to describe that I did not made this transaction but they did not gave me any attention. 
I called them again and reactivate the claim again. 
after one more month they did not change the decision

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 2016-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I filed a Chapter XXXX because we had received a foreclosure notice in XXXX XXXX. The Chapter XXXX was discharged in XXXX of XXXX. I recently went to pruchase a home and the realtor said that the county records show that Bank of America transferred the deed out of my name to their bank in XXXX of XXXX. So because of the lending laws, I am unable to get a VA loan because it looks like my foreclosure is within 3 years.

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 2016-04-18
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was not aware I had outstanding medical bills since My daughter had state insurance at the time. Since the accident, XXXX months passed and I never received a medical bill, or collection debt. I found out thru my credit report since it change dramatically due to collection that I was never aware of. They ruined my credit without my knowledge or notification of a debt. How can they ruin people 's credit without the opportunity for payment arrengments?

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 2021-02-16
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 belongs to someone else

Complaint:
There is a mysterious foreclosure being reported to my credit report from XXXX XXXX. It is reporting a mortgage. This is not my account. I sent letters to the credit bureaus but I have not received any correspondence back. I would like to get this error removed from 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 2021-02-17
Company: ACIMA CREDIT, LLC
State: MS
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:
Acima, a company I have never done business with and never heard of in my life, has reported false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I provide more supporting documents for the following case that I have previously submitted : XXXX. It is the error of Bank of America ( BoA ) which caused the mistaken transactions for my tax refunds. 
When I filed the 2015 Federal and California Tax return direct deposit, I omitted the last XXXX digits of my BoA account number. BoA account number has XXXX digits. I only wrote first XXXX digits for the account number, which should be an invalid account. BoA should have therefore returned my tax refunds to IRS and California Franchise Tax Board due to the invalid account number. Please refer to the supporting documents for the details. 
When I went to the BoA branch ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) on XXXX XXXX, the bank clerk ( XXXX XXXX ) verified that both of my 2015 tax refunds from Federal and California are in a different account. That account number has XXXX digits : the first XXXX digits are XXXX ' and the rest XXXX digits are the same as what I have written in the forms. I never authorized anyone to add the XXXX digits of XXXX ahead of my bank account to receive my Tax refund. It is the BoA 's error to add the additional XXXX XXXX to form a complete account number. And to make things worse, BoA refuses to correct the bank error even though I have informed the bank about these error immediately. 
I demand the bank to return my tax refunds ( both from IRS and California Franchise Tax Board ) in full amount.

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 2016-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
The bank of america applied my lump-sum payment to the lowest interested balance rather than paying the highest one. Is n't that a law that credit card co. has to pay highest interest first? 
I had XXXX balances that the promotional rate will be ending at same date on XXXX/XXXX/2016 On XXXX/XXXX/2016, I paid {$4000.00} toward ( I thought, ) soon will go up to 15.24 % ( balance {$4000.00} ) But BA applied it to the another balance that would go up to 7.49 % ( balance was {$5100.00} ) * And the balance of 15.24 % of {$4.00} ( XXXX 2016 ) was increased to XXXX ( XXXX 2016 ). {$5.00} more without the cause! Why? Reps could not explain to me about all these.

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 2021-02-17
Company: National Business Factors
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX Balance : {$340.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

THE BUREAUS ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$59.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

Medical XXXX Balance : {$29.00} - This medical account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & HIPAA authorization because I did not agree to have any of my medical information shared. 

Medical XXXX Balance : {$43.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this. 

XXXX XXXXXXXX Balance : {$860.00} Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opened an account with Bank of America in XX/XX/XXXX called " campus edge ''. I am told that in XX/XX/XXXX I received a statement notifying that my bank rules have changed and now I am going to be billed {$12.00} per month for not having a balance of {$1500.00} in the account. 

I find this unfair that if someone missed the statement warning they essentially bleed out their money. No email alerts for fees are sent out. Only " statement available ''. It 's a nice way to steal {$120.00} a year from small accounts that people forget about. 

I lost {$210.00} this way before taking back control.

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 2017-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Hello, this is in regards to : XXXX XXXX XXXX / XXXX. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and the careless, biased, negligent and possibly criminal way in which he handled my file and put a lien on my house and his incompetent assistant named XXXX XXXX. In a 90 day period, they put my through XXXX, charged illegal fines and fees including an appraisal which was not needed and charged XXXX and they were reckless and careless with my personal information. I would like a full investigation for a file for me XXXX XXXX regarding a purchase Refi.

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 2021-02-17
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ill try to be brief. A company called CCB/XXXX gives me a loan for $ XXXX. XXXX interest yet makes it very difficult for the customer to make payments. Regularly stating my account can not be found. No auto pay option available and many small ways to limit or hinder an on time payment which in turn causes late fees for past due amounts. Ive addressed this issue with them and they have waived some fees and just recently made it easier for me to make over the phone payments. They state they understand my problem with my account yet now dropped my credit card limit from $ XXXX to {$400.00} bucks. Also I have two late payments on my record now because of the way they do business. They must be upset that Im trying to pay off my balance fast. This is their system and their lack of available payment options and is now causing huge damage to my report. I need help and options please. Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
XX/XX/XXXX I cosigned for a student loan with the lender Navient, address : XXXX XXXX, XXXX PA XXXX, telephone XXXX. It appears they have done negative reporting on my credit report but never once notified my of payments not being late or delinquent. I attempted to apply for a car loan and learned I have delinquent reporting on my Experian credit report. After receiving a copy of the report I learned it was reported by Navient for XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. Apparently the primary fell behind on her payments for which Navient never notified me. I contacted Navient on XXXX XXXX, XXXX ( spoke with XXXX XXXX XXXX ) who confirmed the late payment and then took a payment over the phone from me in the amount of {$95.00} ( conf # XXXX ) which she claimed would be bring the account out of delinquency. I informed her no one ever contacted me and she could not find any record of anyone contacting me either ( via mail nor phone ). I told her I wanted to file a complaint. She said the compliant was registered and gave me the phone number XXXX to call back in 10 days to get a status. From XXXX XXXX - XXXX XXXX I called Navient 's complaint dept and never reached a person, only got a voicemail for which no one ever returned my call. On XXXX XXXX @ XXXX called customer service, spoke with XXXX ( XXXX XXXX ) who had no record of compliant being submitted and said due to a system glitch the {$95.00} I paid back on XXXX XXXX did not process in their system - this they never notified me of either. I asked for a manager and was transferred to XXXX. The supervisor REFUSED to give me Navient 's physical address so that I can send a formal complaint certified mail. I let her know she was being deceitful and not forthcoming. She would not give me the CEO name until I mentioned reporting her for a UDAAP violation. Only then she gave me his name but still would not give me the physical address. The Supervisor XXXX then gave me the POB address for their Customer Advocate Dept to write to them and they will see if negative credit reporting would be updated. 
I informed XXXX that 1 ) they have very misleading practices that have impacted by credit score, 2 ) they should be notifying me of late payments if they are going to report on me, 3 ) I will report them to Consumer Bureau because they have system issues that do n't process consumer payments and then they report the customer for late payment. This happened twice. 
CFPB please help me to get Navient to be responsible for their bad practices. My credit reporting should be corrected and I should not be impacted by their bad systems and poor notification practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
( $ XXXX that Honda will pay will go in to a fund to compensate affected borrowers ) XX/XX/XXXX, I purchased a used XXXX Honda accord and my monthly payment was XXXX. I always felt that my payment was to high, and I now know for a fact that I was a victim of the above actions listed in the lawsuit. As a direct result of Honda 's action, I 'm still trying to payoff the balloon loan. As it stands today, I still owe honda XXXX on a car only worth XXXX. How can I be included in the payout? Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Collection Bureau of the Hudson Valley, Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
a debt went on my credit report that is not mine. someone used my real name, a wrong address and a wrong medical card number and this bill went on my report. i am enclosing copies of my medical card my license with my correct address and their bill showing my Wrong address ( never heard of ) and a medical card number on bill that is not my number, someone used my name and all the other information is not mine. i have medical insurance and have for several years, this was some emergency visit and i have n't been to the hospital in years. i also have insurance.

Company response to consumer: Closed with non-monetary relief