BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/2016 a notarized Letter XXXX Instruction and Account Closure Request was presented to the Bank of America, where it was Faxed to the Bank of America XXXX I was told I should have the money within XXXX days. 
As of today XX/XX/2016 I still have not received the XXXX. 
I called the XXXX who said they have had the documents but could not tell me why they have not sent the money.

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 2016-10-12
Company: American Credit Bureau, Inc.
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt of {$100.00} was paid in full to the dentist that issued the collection. Once I saw that it was a {$0.00} balance reporting on my credit report, the collection agency said if I would 've paid it with them, I could 've had it deleted from my credit report, but since I paid it in full with the medical company, I could n't remove it. I contacted the dentist and they said that their policy is once paid, it will be deleted. The debt was paid and has a {$0.00} balance and I would like it removed from my credit report. Once I contacted the dentist they confirmed that it should be removed and they would be calling the collection agency as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX I purchased a home in XXXX, GA, as an investment. I initiated renovations on the home and as I improved the property in hopes of renting the home, it was repeatedly vandalized and expensive items were taken from the property. These crimes caused me to not be able to complete the renovations and subsequently pay the mortgage. The lender, Bank of America, in XXXX notified me of foreclosure proceedings and since I was out of state, I could not monitor the property. The bank winterized the home, boarded up the windows, and placed a for sale sign at the front of the property. In XXXX XXXX, I was notified by XXXX XXXX XXXX XXXX XXXX to clean up the property to avoid a citation and fine for non-compliance for the upkeep. Upon further investigation, the County still listed me as the owner of the property and Bank of America never recorded a transfer of the title. After a laborious effort in trying find answers from Bank of America regarding the property, I was told that they confirmed the property was foreclosed upon and I would receive notice in the mail. In XXXX XXXX, Bank of America sent me a release of debt for the property rendering me responsible, to my surprise for the previous five years of property taxes. Today, as I am now aware I am the owner, the property taxes and penalty fees are more than the value of the property and prospective buyers are not willing to buy the property for obvious reasons. This practice by the bank appears to be a common unscrupulous act that I am now a victim of to include the municipality for not receiving it 's due taxes.

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 2021-01-19
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX S.S. XXXX I AM HAVING A TON OF ISSUES TRYING TO GET MY CREDIT REPORT AND CREDIT SCORES. I CAN NOT GET INTO THE XXXX I CAN NOT GET INTO XX/XX/XXXX I AM TRYING TO BUY A HOUSE AND MY LEASE IS UP. I HAVE ATTACHED MY ID AND SS CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: TX
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 several complaints and issues wirh my loans. First of all, the school that my ex husband & I attended was closed soon after we left. We find out that the credits attained through the programs there were not transferrable to a 4 year university, therefore, I had to stsrt all over again through another accredited college. The aid I received was not beneficial and attending that school, XXXX, was a waste of 2 years. Secondly, my husband & I are now divorced but since the loans were consolidated, they are on my credit negatively and I 'm told there is nothing I can do to separate his loan from mine. That does not make sense as we are divorced. According to our divorce decree, he has been ordered to pay his portion of his student loan debt which ca n't even be enforced so it is affecting my credit negatively. This needs to be changed immediately!!! The circumstances under which we received the loans in the first place were WRONG. I 'm so upset by how this is still affecting me years later. If there 's any way to resolve this issue I would be truly grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I had a monthly recurring payment with a vendor. In XX/XX/XXXX I notified them in writing that I was revoking their right to put charges that credit card, or any others they may have on file for me. 

I also called my credit card company, Bank of America, and told them by phone that this particular vendor was no longer authorized to charge my card. The customer service rep for Bank of America told me they could not block charges for any reason. 

In XX/XX/XXXX the vendor put through XXXX charges, XXXX for {$550.00} and XXXX for {$2700.00}. I disputed both to Bank of America, but the bank ruled in favor of the vendor, even though I showed that I had notified said vendor, in writing in accordance with the law. I have the email trail showing that they received and acknowledged receipt of my notification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of Identity theft since XX/XX/XXXX. I have sent police reports and letters to all the Credit Agencies ( XXXX, XXXX, and Equifax ). All credit bureaus have remove fraud information from my credit except for Equifax. I have filled over XXXX different disputes in the pass couple month trying to get my credit fixed so I can get my life back. I dont have a simple checking account to this day. Because Identity theft has left my name and credit torn to shreds and it sickening having to deal with a Credit Bureau who are not will to help when they have all the supporting document they need to remove this fraudulent infomation. Please help me. I dont know what else to do. Equifax disputes in the past couples month ( XXXX ). That is fraudulent information needs be removed ASAP and their company needs stop allowing fraud info to be added to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Reported XXXX XXXX/XXXX/XXXX Monthly Date Closed {$1300.00} XXXX/XXXX/XXXX XXXX Status Charge Off ; Type of Account Revolving ; Type of Loan Charge Account ; Whose Account Individual Account ; ADDITIONAL INFORMATION Consumer Disputes *Department of Treasury ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX Date of {$670.00} XXXX/XXXX/XXXX XXXX *XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX : XXXX XXXX ) XXXX Date Reported XXXX XXXX/XXXX/XXXX {$650.00} XXXX XXXX {$650.00} XXXX/XXXX/XXXX XXXX Status Charge Off ; Type of Account Open ; Type of Loan Deposit Related ; Whose Account Individual Account ; ADDITIONAL INFORMATION Consumer Disputes Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX XXXX, 2016 Experian credit report is reflecting incorrect account information which is old and has already been paid off since XXXX XXXX, 2016. I have made contact but was told this was the most recent account information that was being received by the Creditor as of the date of the report. I have spoken to a representative at Experian to dispute the item. She advised me to upload the supporting information reflecting account paid. I attempted this function for 2 days and finaling mailed all copies to support my account being paid in full with tracking from the mailing service. This information is going on 4 MONTHS OLD AND DOES NOT ACCURATELY SUPPORT A TRUE CREDIT REPORT OR CREDIT SCORE. As of today, I have not received a response back from Experian but I do expect a response since notification has been received the supporting information I mailed has been picked up by a person from the 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 2015-05-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 've attached a PDF that explains what I 've attempted to have removed from the XXXX credit bureaus. My XXXX frustration and complaint is the inconsistency of reporting between the XXXX bureaus.My XXXX frustration and complaint is the inability to remove someone else 's public record ( Judgement ) that is on XXXX of XXXX of my reports. My final frustration and complaint is the fact that there are multiple levels of credit reporting and scoring ( consumer and industry ) that are only available to industries such as Mortgage, Credit Cards, and Auto. These industry level credit reports vary greatly from the consumer reporting and scoring. And they are fraught with errors greater than the consumer reports. In my case the mortgage credit report has scores 25 % lower than my consumer report and the XXXX public records on my consumer report are duplicated to show XXXX public records on the mortgage report. XXXX has someone else 's address and refuses to correct it to my address and they have XXXX public records that have {$0.00} as the amount ... yet they refuse to remove. These public records are explained in the PDF I 've uploaded to you and they need to be removed ASAP. XXXX has removed the judgement XXXX XXXX of XXXX public records ). Experian also refuses to remove the XXXX public records. The only good news is that on my consumer reports a XXXX lien of {$120.00} was removed by all three consumer reports BUT is present on my Mortgage report ( All XXXX Bureaus ). In other words, the XXXX bureaus remove the {$120.00} lien that was in error, but kept them on the mortgage reporting and scoring!! So, in conclusion I see no purpose or value to the consumer reporting and scoring since the lenders, be it auto, mortgage or credit card, have significantly different scores and reports from the same XXXX bureaus ... and removing from the consumer products does n't guarantee removal from the industry product. This is so unfair on every level. And the consumer has no access or ability to contest or correct the industry level credit reports or scores!! Government needs to simplify and create an oversight department that governs them and keeps them honest. Please read my PDF and help me. After 37 years as a XXXX I 'm prohibited from getting a mortgage due to errors on my consumer reports and inequalities with errors on my industry reports with with only foreigners and non-US citizen to deal with over the phone and via mail/fax. That 's the strangest twist of this entire story. People outside of the USA are making decisions for US Citizen 's credit woes!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
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: Information belongs to someone else

Complaint:
Hello, i recently check my credit via XXXX and notice that there were a few accounts on my credit profile that was done by fraud. I am a victim of identity theft. Ive reached out to the creditors regarding this advise me to reach out to the credit bureaus. I've sent mails via USPS certified back on XX/XX/2020 and i called a week ago and they told me they didn't received anything. I think this is some type of stall because the tracking number said delivered. These accounts are not mine. I have attached the FTC report and my driver license below

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX, I worked a totally of four months. I was struggling to find a job and took what temp assignments I could get. I made every effort to continue to pay my discover credit card. However, when my unemployment extension ended, I was forced to drastically lower my monthly payments to {$5.00} or {$10.00} a month. Discover cashed those checks. I found work, though I am still struggling, because I am the only one in my household working ( my mom 's unemployment ran out ), I continue to pay Discover. Recently, they threaten me with a summons from a lawyer in XXXX, because Discover wants more money than I can afford to pay. This lawyer recently served me with a summons, threaten to garnish my wages and charge me legal fees. I am paying Discover, my checks are being cashed, yet they still retained an Attorney to sue me? This is unfair and is now on my credit report. I have made every effort to pay them, but I am poor and working and Discover demands something that I do not have. Please advise if you can help me or how I can help myself. They are still cashing my checks with this summons that was served for the amount of {$2500.00} that owe to Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: DISCOVER BANK
State: TN
Product: Credit card
Issue: Billing statement

Complaint:
Discover card is deleting records that can disprove the balances owed on their accounts. After 10 years of paying about {$200.00} a month on my account there is no reduction in my balance. I began to research this account to find out what the initial balance was as well as an accounting of how and what charges was I still paying for but was unable to find that information out because those records were inaccessible. I was lulled into trusting discover When I began this investigation I pulled up records that showed a beginning balance but no purchases only an unchanging balance. My credit limit is higher but I do n't understand how I arrived at the current balance. I saved the statements that were available at first but when I went back to review them a few days later they were not available. I reported this to XXXX. But got nowhere. For the last four years I have paid about XXXX $ a month with no change to the balance. I feel as if I am an indentured servant. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Greetings, Through Select Portfolio Servicing Inc. 's ( " SPS '' ) extortion attempts, since they are complete strangers to the alleged transactions and that there is absolutely no default whatsoever [ see attached affidavit of ex police officer and currently private investigator under penalty of perjury, that all payments on a non existing loan has been received and there is absolutely no default ], and since i : am taking care of my XXXX mother, i : decided to list my property for sale so that the pretender lender SPS and its co parties can not even steal the equity i : have in my property. There has been XXXX offers, the first buyer offered {>= $1,000,000} and i : accepted that offer. Because of SPS 's extortion attempts and illegal conduct, the first buyers backed out of the deal. The new buyers have offered {$75000.00} less, we are in escrow and need to close the escrow in the next few day. SPS has charged me fees and expenses that they are not supposed to, like charging attorney fees of ~ {$70000.00} when that attorney was not even admitted to XXXX XXXX XXXX of California whose name is XXXX XXXX. XXXX of XXXX XXXX firm, see attached pdf file related to attorney woods, pages XXXX. In addition, SPS refuses to verify the amount of the alleged debt under oath. According to XXXX law dictionary, verification means to substantiate or to confirm under oath. All i : have been asking SPS is to verify the amount of this alleged debt under oath so that we can close the escrow and move on with my life. Stated differently, there is nothing stopping SPS to claim that i : owe them {>= $1,000,000} for example. SPS refuses to do that since they know that i : do not owe them anything. i : am therefore respectfully requesting CFPB to demand that SPS to verify the amount of the alleged debt under Oath so that we can close the escrow. SPS and its co parties have significantly damaged me and my family economically by their repeated misconduct and i : am reaching out to CFPB to please assist me and my family to get SPS to verify the amount of the alleged debt so that we can close the escrow.

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 2016-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have attempted several times to correct bank of america reporting on my own. They are in violation of the FCRA 405. They are not reporting information XXXX accurated dated and verifiable information. 
See the letters I have sent to the bureaus and the most current and original report. They have to permanently and legally remove information that is not reporting XXXX accurated dated and verifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In addition to the response from the lender/servicer, we were advised that the lender/servicer would take into account the documentation requested to increase our income. In addition, we provided documentation regarding the status of the SS XXXX claim for which my husband has counsel. Attached is the correspondence from them, claiming permanent XXXX income for my husband, which is pending hearing. In addition we forwarded to our counsel on the foreclosure case, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, the response of the lender/servicer directing us to contact XXXX XXXX, XXXX, This response was also given to you on our previous complaint case # XXXX. Our attorney attempted to communicate with said attorney, with no response back from her regarding the review of our loan modification application. In the last few days, we found out that XXXX XXXX had not been returning the correspondence, and telephone inquiries, as she was not longer with the Plaintiff 's law firm, and new counsel has been assigned. My husband 's condition has worsened, and the claim for permanent XXXX is pending before SS and is based on my husband 's prior income. We are certain that with my additional income, and my husband 's XXXX that we will qualify for a loan modification. We have not been given a fair opportunity to make proper application and the documentation of my increased income has been ignored by the lender, and each time proof is submitted, the increases are subracted, rather than added to the total income amount. We believe that our application has not been given fair review, and we are filing this complaint. The trial date we have of XX/XX/2016 needs to be postponed to provide adequate time for a fair examination of the income, for the increases of mine which I have provided, and for Social Security to determine the monthly permanent XXXX amount. 
Again, we were assured that the XX/XX/2016 denial would be reviewed with the documentation submitted to prove a greater income stream, which was previously ignored. This was the reason why they needed more time yet no such review was in process which meant they were not truthful to the court and to us. We need your help to be given a fair and honest chance to keep our homestead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation