BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I had a checking account with Bank of America. They now have the me in XXXX saying Suspected Fraud Activity ( SFA ). I owe them No Money so I want them to stop reporting me. I did dispute this already but they did nothing. And because of this I can not open another bank account. As for the SFA they did not give me any information about that. 
I remember I tried to use the atm card at a gas station in XXXX 2014 and after 2 swipes it didnt work. So I went inside for them to try it and I guess at that time B of A cancelled the card. I 'm thinking perhaps that 's what happened. But they are not giving me any information. Plus again I do n't owe them any money unless I would have paid them. Thank You ...

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 2021-03-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2018, I was a victim of identity theft. I have been able to resolve all my problems with exception of two incorrect inquires on my Equifax credit report. I have copies of letters that were sent to Equifax informing them that the inquires were incorrect and for them to be removed from credit report. Multiple disputes were completed that the information is correct which it is not. I have spoken to them multiple times, I have sent then copies of the letters in the mail and via fax. I was informed that they never received the copies via Mail and I sent them to the wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to refinance my mortgage with Chase and assumed the process would go smoothly because Chase holds the note on my mortgage. I started this process two months ago. The deal ran into one delay after another, and and I was asked to submit more personal information each time, and then we finally got a closing date. At XXXX XXXX the night before the notary was scheduled to come for the final signing, I got an email asking for proof of my employment. I luckily saw it right away and within a few minutes replied with PDFs of both my most recent paystub and a letter from my boss confirming my employment ( dated the previous month, sent to prove qualification for the COVID vaccine ). 

Then, at XXXXXXXX XXXX I got an email saying that proof of the job I have been doing for over 20 years! was not good enough, and that I needed to have my boss call them RIGHT AWAY, before XXXX, to verify my employment. All of this after I had submitted three or four paystubs all clearly showing I am paid monthly. This being near the end of the month, it was impossible for me to produce a paystub dated within the last 9 days, as they demanded. And the suggestion that I call my boss - who is actually a very important person and have him call Chase immediately on my piddly little mortgage refi was insulting. 

As soon as I paid the {$500.00} fee Chase required, it seemed as if the bank was doing all it could to scotch the deal. Information was demanded of me immediately on the most ancillary things ( proof that I own the solar panels on my roof? are you kidding me? ). I refinanced with other lenders twice before and never encountered anything like this kind of treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Credit Bureau of Carbon County
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I owed XXXX dollars. I was told I needed to make a minimum payment of XXXX in order for her not to take legal action. 
I felt intimidated so I payed the XXXX, then I started to give what I could afford. Since then I have n't received any letters till this day, on how to resolve this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: CNG FINANCIAL CORPORATION
State: VA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
We attempted to pay the loan on Thursday, XX/XX/XXXX. The Check and Go ( the company that gave the loan ) 's branch had closed. We were referred to a manager. The manager did not know how to pay a loan. 
On Friday, XX/XX/XXXX, we went to the local branch, in XXXX, XXXX, only to be informed that they would not take payment on the loan because the original Check and Go branch where the loan was started was in XXXX. 
By the time we had managed to find the original branch, six days had passed to Tuesday, XX/XX/XXXX. However, Check and Go continued to assess fees and interest on the loan since Thursday, XX/XX/XXXX, even though we were able to and wanted to pay off the loan. They refused to consider letting us pay the loan using interest current as of Thursday, XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-01
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been on an income driven repayment plan with Navient ( f/k/a XXXX XXXX ) and every 12 mnths they need to " update '' your information so you have to re-apply for the income driven payment. I have a husband and they insisted that the only way to not have him on the loan was to switch my plan to Income Sensitive repayment plan. So before my plan was due in XXXX XXXX I called in XXXX, they told me to wait until XXXX, I called in XXXX I submitted my information for the income Sensitive plan. Meanwhile every year I have been paying, at the end of every 12 mnths they have placed my account in foreberance until it re-activates. I have called 5 times and not one person has advised me where my account stands. I have a payment which is due in XXXX which is over double my payment which I normally pay every month. I was told on my third call into Navient that my account would once again be placed on foreberance, I did not request it it was done for the transition time to switch to the new plan. I have an email stating that my plan is in foreberance until XXXX XXXX but my account does not show same. My account is not in foreberenace I have a large payment due in XXXX. I was last told on my last call that my Husband could have been omitted from my plan and I would have never had to pay a {$5.00} fee ( which I was charged twice for ) for to switch plans. And to be able to switch plans to income Sensitive I have to pay the payment of {$900.00} to exit the income driven plan. I was never told this information, I am now stuck with over {$1500.00} that is due in a matter of days that I made clear to them I could n't afford which is why I am on an income plan. They have not been able to help with me since I contacted them in XXXX. I have an account that is going to be past due because not one employee there can give me an answer as to what exactly is going on with my account since XXXX XXXX, everyone has a different answer. I need help, I ca n't afford this and now I am stuck with everything going against me. Not only have I been working to pay my payments every month, I have gotten nowhere. My account has been placed in foreberance so many times my loan is actually larger then the originating amount because I ca n't simply continue through the year to may my payments I have to be placed in foreberance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: Navient Solutions, LLC.
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, Louisiana and XXXX Reference : Retirement Benefits Claim Number XXXX XXXX XXXX XXXX : Office of Personnel Management Debtor : Small Business Administration. 

The Department of Treasury have sent notice to XXXX XXXX XXXX to collect {$260.00} monthly. However, my pension was delayed for approximately XXXX which made me fall behind in payments. I have contact OPM on several occasions. It appears the Agency will not address this issue or provide adequate reasons why benefit was being delayed. I am requesting an investigation to resolve this matter. 
Tin Number : XXXX Top Trace Num : XXXX Acct Num : XXXX I truly believe retirement-benefit provisions are complicated and may involve a series of miscalculations that are not clear or easy to understand.

Company public response: Company 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: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was denied an Income-based repayment plan after I had been on one. During XX/XX/XXXX I was paying {$140.00} a month and beginning XX/XX/XXXX my payments will be increased to {$440.00}. I later learned I have only been paying interest. My denial letter for the income-based plan stated I " did not meet the federal definition of 'partial financial hardship. ' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
These addresses are in correct and inaccurate : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both areattached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Last reported XX/XX/XXXX {$1700.00} Open balance 11 XXXX Opened XX/XX/XXXX XXXX   XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Original creditor XXXX   Opened XXXX XXXX, XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX XXXX   XXXX Original creditor XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$24000.00} Highest balance {$27000.00} Opened XXXX, XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Reported balance Opened XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I closed my checking account with Wells Fargo on XXXX XXXX 2016. I did it online and got a message on the screen telling me all my remaining funds were going to be sent to me by mail. About a month after that I called the bank and they indicated that the check had been returned due to a bad mail delivery and that they were gong to try rensending it. I did n't hear from them anymore for a while. In XXXX I went to a branch located on XXXX XXXX in XXXX and talked to XXXX XXXX there. He called the Bank for me and was told to ask me If i was still residing in an address in XXXX. I have never lived in XXXX. So they said they were gon na see what options they had to finally send me my money but most probably they were going to send me an affidavit by mail to confirm my address and once I return it I will get my money. It 's already the XXXX and I have not heard from them at all or received anything. They owe me at least more than {$200.00}. I do n't know the exact amount. At this point I 'm suspecting they probably also create a fake account or accounts in my name because I have never lived in XXXX. Only in XXXX and 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 2018-06-28
Company: Riverwalk Financial Corporation
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I attended XXXX College from XX/XX/XXXX to XX/XX/XXXX. Student loans were processed with XXXX XXXX XXXX who I arranged monthly installments. I am in good standing with this company however, in XX/XX/XXXX I received a message on my credit report of two derogatory marks. I discovered XXXX turned student loans over to a collection agency, XXXX XXXX XXXX. I was never informed in writing or verbally that my account would be placed into collections. I have contacted both companies several time with no prevail. As of XX/XX/XXXX XXXX has stopped sending statements. I am continuing monthy payments to date. I have also, filed disputes with XXXX, XXXX, and the XXXX XXXX XXXX. After researching XXXX XXXX XXXX, my discovery shows many complaints of unethical business practice and illegal collection practices. I have also attempted legal action but have not been successful in finding representation. I can provide documentation in my favor such as proof of payments, notes from conversations with all parties involved, my last statement sent from XXXX, proof of complaints on the XXXX XXXX XXXX site and XXXX investigation report which found in my favor. I am seeking help in resolving this issue. Please advise if your agency can be of assistance to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: National Credit Adjusters, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A statement of validation does not validate debt. No documentation has ever been sent, and the lack of documentation to support any validation being sent is against FCRA. NCA has provided different dates first providing validation was sent in XX/XX/2020 and the providing XX/XX/2020, both fraudulent and conflicting. 

A copy of all the conflicting signed letters from NCA will be sent to FTC and civil litigation for damages will be sought, if all collection efforts are not stop and CRA reporting ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/21 notified credence to stop calling. Credence allegedly notated account and then called twice more within 45 min. 

XX/XX/21 credence called XXXX, XXXX, XXXX. When I answered they immediately hung up and then call again later. 

XX/XX/21 XXXX called credence back to notify them again to stop harassing and asked to speak to a supervisor or manager they refused. 

I am a 100 % XXXX woman please make them stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
I try to replace my lose of XXXX due to relocate from XXXX to XXXX on XXXX/XXXX/2016, in order to get the new drive licence and passport. I accidently log on XXXX which has a Liberty Statue and looks like a real government cite, I did not doubt and asked to prepay {$170.00} to get start the process. I provide my credit card information and follow the questions, I did not notice this cite is not government official cite until my daughter gave me the XXXX web cite. We found out it only require to write the check {$340.00} filing fee for the Form XXXX, I call XXXX to XXXX XXXX XXXX ( XXXX ) for asking why I have to pay extra {$170.00}? I just got the answer of yes, I have to pay extra {$170.00} to process the filing form. Then I call Bank of America billing dispute department ( XXXX ) to stop payment {$170.00} and mail me a new credit card, the associate told me it 's pending now, I have to wait 5-7 business days call back to get the refund and BOA will protect customer 's right. I call back yesterday XXXX/XXXX/2016 and the associate told me the only way to get the refund is to call XXXX. I call several times waiting for the chance to get the answer from XXXX, XXXX offer refund {$80.00} from staff then {$120.00} from supervisor and I have to drop the dispute filing and provide BOA XXXX name and phone number first. I call BOA again and associate wo n't give me the name, he remind me the better way is to drop the case and I will expect to get no money back. I call uscia.gov the agent gave me XXXX then contact consummerfinance.gov to get help. I had been suffer frustrating calling BOA and XXXX several times, I do n't know what to do, please help me to get my {$170.00} back. Basically, I just mislead to prepaid XXXX own money {$170.00} and fool around to gave away all my personal information to XXXX, my daughter help me to apply the XXXX Form XXXX with {$340.00} check via certified mail on XXXX/XXXX/2016. I did not have service from XXXX and BOA did not protect customer from fraud dispute.

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 2015-11-19
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been on XXXX since XX/XX/XXXX. All of my private loans from Navient have gone through a XXXX discharge during that phase. XX/XX/XXXX, Navient had reduced only XXXX of XXXX loans with the exception of loans ( 1 ) XX/XX/XXXX College XXXX and ( 2 ) XXXX College XXXX. Loan ( 3 ) XXXX College XXXX was reduced as I am able to make that payment while I am on Social Security XXXX Income. I explained to XXXX 's Customer Advocates Office that I still can not make a reasonable payment towards the loans. I was denied by XXXX 's Customer Advocates Office since I have a co-signer on loans ( 1 ) XX/XX/XXXX College XXXX and ( 2 ) XXXX College XXXX they will not reduce my loans. Also, Navient has harassed the co-signer and has tried to have all co-signed loans in their name instead of working with me so I can afford to pay on the loans. Since being unable to make a manageable payment my total payment due is {$810.00}. My monthly payment normally is {$280.00} with a past due amount of {$520.00}. My total monthly income is {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Called Bank of America on XXXX XXXX to question a transaction previously reported as unauthorized. Stop payment was placed against merchant at conclusion of call. Several days after phone call, Bank of America deactivated my debit card and reset my debit card PIN. This was not discussed or planned based on the phone call on XXXX XXXX. Once I realized my debit card had been canceled, I contacted Bank of America by telephone. They apologized for the confusion and I requested rush shipping of the replacement card. The representative agreed and placed notes on the request to waive the rush replacement fee. As of the time of this filing, the replacement fee of XXXX USD was charged to my account and calling in this morning of XXXX XXXX resulted in the representative being unwilling to review the notes and waive the fee. He obviously was n't comprehending what I was telling him.

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 2021-03-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX is erroneously reporting to the three major reporting agencies - Experian, XXXX, and XXXX  that in XX/XX/2021 payment was late 30 days. No payment was given 30 days late to XXXX XXXX XXXX and the account is current. All documentation of account statements and billing statements show the account is current with payment history identifying all payments have been provided on time. A representative over a phone call also admitted to this. XXXX XXXX XXXX have failed to rectify this matter. Numerous phone calls have been placed with no success.

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 2021-11-22
Company: EQUIFAX, 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: Account information incorrect

Complaint:
this message is for XXXX and Equifax. this is nothing against the two companies. i had a couple of debts with XXXX in the past. they turned the debt over to a collections agency i am assuming in XXXX i got calls from different collections agencies saying they have taken over the debt. one with was XXXX XXXX XXXX XXXX and another company calling from XXXX but whenever i called this number back it said it's no longer in service. the person who called me from that number was a female and said it was a debt owed to XXXX  turned over to them on the XXXX then she said the XXXX of nov. so which is it? i have no clue. i think XXXX is trying to get money from me by any means necessary. i reported the XXXX company already. now im reporting XXXX again for the millioneth time about this stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: JMD,LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX XXXX XXXX sold my information to High Desert Creditors Services I sent a verification of debt for the High Desert Creditors Services to provide me with a contract where I contracted with High Desert Creditors Services they responded to me onXX/XX/2016 where they stated that was a verification of the debt just to be clear a verification of debt has to be sent by the original creditor and it also has to have my wet ink signature the letter that was sent to me there is no wet ink signature where I contracted with the original creditor with that being said

Company response to consumer: Closed with explanation