BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Bank of America has falsely reported a credit line of extension. 
The Bank has sold the alleged debt to a collections agency XXXX XXXX XXXX as of XX/XX/XXXX The Bank has not provided any documents-emails, calls, letters from any branch in the amount of the debt {$10000.00} ( approximate ). 
The Bank has attempted to open a law suit on the alleged debt through XXXX without notification of the sale of this debt notice of sale XXXX XXXX XXXX has furthermore not provided any communication on the any collections actions Under 15 USC 1692 ( e ) ( 8 )  request BOA to be investigated for intentional non compliance and knowledge that its agents have violated FDCP statutes in XXXX and XXXX XXXX XXXX ( affirmative false representations and omissions of material facts to a third party collections agency ). 
XXXX XXXX XXXX regularly collects debts as part of their business activities. 
It has threatened to collect on a charge off that has not been affirmed by the defendant or through the Bank with original signatures of the contract The harassment, illegal actions include vandalism of the property, stalking in XXXX. 
The Bank has from XX/XX/XXXX not responded to any requests for documents or communications. They have not responded to any mails. 

Please also include investigations into transfer of {$770.00} by Bank of America without any notice in the mail or through email or call. 
Thereafter within, 30 days I received notice of private suit on a line of credit for {$10000.00} approximately opened in XXXX by the Bank through a third party collections agency ( XX/XX/XXXX XXXX   XXXX XXXX ) Lawsuit in XXXX is further harassment impacting credit score and ability to obtain employment in XXXX and XXXX XXXX XXXX. The additional burdens of requiring lawyers who have the knowledge and ability to work on contingency has reduced my income and savings to below acceptable. The Bank has in various ways attempted to take private property and my access my 403 B on false grounds through harassment on the checking accounts and by alleging a false line of credit on card through fraudulent actions of bank employees.

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 2017-07-19
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Being charged two late fees per month in XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Accounts were charged off on credit report in XX/XX/XXXX but they are being reported monthly on report as on today.
Charged late fees when payments were made XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Charged " repayment '' fee in XX/XX/XXXX and XX/XX/XXXX.
Charged for forbearance in XX/XX/XXXX. XX/XX/XXXX Late Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXXLate Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXXLate Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$10.00} {$10.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$10.00} {$10.00} XX/XX/XXXXLate Fee {$0.00} {$0.00} - {$2.00} - {$2.00} XX/XX/XXXXLate Fee {$0.00} {$0.00} {$10.00} {$10.00} XX/XX/XXXX Payment {$0.00} - {$71.00} - {$30.00} - {$100.00} XX/XX/XXXXLate Fee {$0.00} {$0.00} {$10.00} {$10.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$10.00} {$10.00}XX/XX/XXXX Payment {$0.00} - {$100.00} {$0.00} - {$100.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$10.00} {$10.00} XX/XX/XXXX Payment - {$82.00} - {$100.00} {$0.00} - {$190.00} XX/XX/XXXX Payment {$0.00} - {$45.00} {$0.00} - {$45.00} XX/XX/XXXX Payment - {$170.00} - {$9.00} - {$9.00} - {$190.00} XX/XX/XXXX Payment {$0.00} - {$36.00} - {$18.00} - {$55.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$24.00} {$24.00} XX/XX/XXXX Payment - {$140.00} - {$88.00} - {$42.00} - {$270.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$22.00} {$22.00} XX/XX/XXXXPayment {$0.00} - {$120.00} - {$23.00} - {$150.00} XX/XX/XXXXLate Fee {$0.00} {$0.00} {$24.00} {$24.00} XX/XX/XXXX Payment {$0.00} - {$80.00} - {$19.00} - {$100.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$20.00} {$20.00} XX/XX/XXXX Payment {$0.00} - {$96.00} - {$3.00} - {$100.00} XX/XX/XXXX Payment {$0.00} - {$40.00} - {$9.00} - {$50.00} XX/XX/XXXX Repayment Fee {$390.00} {$0.00} {$0.00} {$390.00} XX/XX/XXXX Forbearance Fee {$0.00} {$0.00} {$150.00} {$150.00} XX/XX/XXXX Repayment Fee {$310.00} {$0.00} {$0.00} {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
Fifth Third Bank indicated late payments in spring 2019 which are not accurate, the bank changed the loan payment date without notifying me. This is showing as a delinquent account open on my credit report. I resolved this once I became aware. All payments have been made and in the correct amounts ( almost all payments are more than the minimum monthly payment ). I called the bank and spoke to several people who all agreed that the account was not delinquent. However, all told me they could not assist with removing the open collection indication from my credit report because they did not know how to do that ; they told me they could only assist if my account was actually delinquent. The bank also claimed to not have a legal department. 
The bank then advised me to contact the CFPB for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: AL
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 ( FCRA ) XXXX  Account # XXXX, Account # XXXX, Account # 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 an account without my written consent. 
So to start I didnt even receive any notice from the XXXX XXXXXXXX agency regarding this collection. After I checked my credit karma I discovered the collection on my Equifax account. So I called them and I notified them that I had already gotten into contact with XXXX and paid them the amount due so it shouldnt have been sent to collections months ago. Thats when the agent checked the account and said that I did indeed did pay {$80.00} and some change beforehand and asked if I wanted to pay a dollar to close it out completely. So now that its completely resolved I would like this collection deleted from Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: MIDFIRST BANK
State: MO
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:
My ex husband and I opened a mortgage with Midland Mortgage on XX/XX/XXXX. In accordance of the divorce decree my ex husband refinanced the mortgage with Midland Mortgage on XX/XX/XXXX. Midland Mortgage kept the same account number but removed my name. Midland Mortgage reported to XXXX  and XXXX  who reported appropriately the account was paid off and closed. XXXX  however has continued to report my ex husband 's mortgage on my report. When I wanted to dispute this with XXXX  I had to pay for their credit monitoring service prior to being able to dispute.The dispute was filed XX/XX/XXXX. The dispute came back on XX/XX/XXXX with report number XXXX that the account had been updated or removed. When I viewed the report it said terminated. The responsibility for the account had been terminated due to XXXX not receiving a response from Midland Mortgage. Now the account reports as terminated when lenders pull my FICO 2 report. It does not report my responsibility for the account was terminated. On XXXX  my report through them shows account PAID, closed on the accounts on my report summary page. When you click on the account it says responsibility terminated account closed. The account still reports payments from XX/XX/XXXX to XX/XX/XXXX. This includes 17 late payments on the account. To add insult to injury the 17 late payments occurred seven to eight years after my name was removed from this account with the most recent late payment being XX/XX/XXXX. This is dragging my credit down significantly according the lender I am working with to try to buy a house. I opened another dispute with XXXX  on XX/XX/XXXX. I can't get ahold of a person at Midland Mortgage to talk to them. The only thing I can do is make an automated payment when I call customer service for Midland Mortgage. When I call XXXX   customer service all they say is I have to file a dispute and the dispute center has to process it. Customer service for XXXX is not able to remove any item correct or not correct. Now the second dispute says, " This item was updated from our processing of your dispute in XX/XX/XXXX. '' The dispute center says it is under dispute until XX/XX/XXXX. I want the credit report to be correct. This mortgage was closed XX/XX/XXXX and paid in full with no late payments on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a credit card statement from an account opened in my name at Citizens Bank NA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient : student loan servicer, since XX/XX/XXXXhas not made me aware of different repayment options including income based repayment and the public service loan forgiveness programs. I have worked for a qualifying non profit organization for the past 8 years. I would qualify for the loan forgiveness in 2 years. Raising XXXX kids during XXXX, I had a significant financial hardship. I was repeatedly told by Navient that I had no options during XXXX other than forbearance. Additionally was told that my only options during times of financial difficulty due to low income, was forbearance. I began doing my own research into the public service loan forgiveness program and income based repayment plans. I called Navient in early XX/XX/XXXXto initiate the process of applying for these plans. I was told multiple times that I did not qualify because of my current income at that time. I talked to a lawyer who looked into it and said that I absolutely qualify. Additionally, when I completed the application and submitted it Navient, I was told that they never received the application, however when I talked to XXXX XXXX XXXX they had a record of that initial application in their system. I talked to Navient again, and was told the application was not processed because I did not qualify for the income driven repayment plan. I resubmitted an application and was eventually approved although initially told many times that I did not qualify. This company has consistently given false information, has been extremely inconsistent, misleading, has " lost '' paperwork, and has caused significant delays in my ability to qualify and begin my qualified payments on the public service loan forgiveness program. When I did resubmit my application to Navient for the income driven repayment plan, they misapplied my information placing me on the PAYE plan rather than the rePAYE plan causing my monthly payments to be excessive. I have therefore been overpaying on my debts, watching principal continue to increase, and not having my monthly payments qualifying for the PSLFP. By rough estimate, they have cost me over 200,000 in unnecessary interest accrual.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We are currently trying to refinance with Freedom Mortgage and it 's taking over 3 months.My husband and I have good credit, have a good income, have more than the necessary equity in our home, have never been late for a single payment and yet they are giving us the hardest time. We already have our mortgage with them but we no longer want the fha pmi. My concern is that they are purposefully dragging this out. 

There is clearly an issue with this company. I wish we had gone with a local bank who could have had this loan done 2 months ago, but we 've already paid {$500.00} for the appraisal. They have been saying just 1 more week, every week for the past several months. I fear it will never end!

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 2015-06-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My bank account has clearly been infiltrated by a thief. Today, while on vacation, I checked my account online. There is a record of all withdrawls i have made within the last 7 days. There is a deposit made by my employer. The amount of money in the account is short the exact amount of the employers deposit. That is the second time this month that money has been shorted from my bank account with FifthThird Bank. I need to switch banks and I would like to get that money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: Experian Information Solutions Inc.
State: IL
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:
Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: KS
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:
In accordance to my rights of privacy 15 usc 1681 section 602h along with 1681 section 604a section 2. I want all addresses listed on my credit report removed. I have attatched two files that reflect the correct name, correct spelling, correct address. This is the only information on myself that i want present.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: AZ
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 am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately 2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately 4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately 6. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
I've submitted proper documents stating that I was the victim of Identity Theft. Nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
53 Bank charged a fraudulent charge of {$330.00} OD to an account with a positive balance and they refuse to refund their charge. The account is negative {$57.00} with that charge

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
my Dad passed away and he had a written will and had a notory to make me general power of attorney and also a quick dead was made out and freedom morgage XXXX XXXX XXXX XXXX XXXX XXXX PHONE # XXXX was not going to honner the will so now they are trying to take the house away from me and trying to sell it with them knowing that i have a court date on the XX/XX/2016 they are trying to steel it from me.

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 2020-01-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Re-aging is a very serious violation of the Fair Credit Reporting Act. Re-aging credit accounts causes older negative accounts to look more recent which can ruin your credit score. 

Do not ignore any evidence of account re-aging. 

Both the original creditor or a debt collector can not re-age a negative account. No matter how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change. The DOFD ( date of first delinquency ) determines how long a negative account can remain on your credit reports. The DOFD is the date an account became 30 days late and no other payments were made. 

A negative credit item, such as a charge-off can remain on your credit report for 7 years from the date of first delinquency. Any collection agency that may end up with the charged-off account must comply with that same date. 

Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
THEY HAVE REAGED MY ACCOUNT DATES TO 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Making/receiving payments, sending money

Complaint:
I recently wanted local banks to cash U.S Government Savings EE Bonds that I purchased 30 years ago. XXXX of the XXXX banks that I visited to get this done refused to even talk to me because I was not a customer. On advice from Treasury-Minneapolis MN, I filled out Form XXXX from their website. I was to take it to any bank to certify my signature and call a toll free number if their was a problem. They refused. Since purchasing the bonds from a Bank, it is reasonable that a bank would redeem the bonds. I have written to the XXXX Banking Committee about my problem in detail with copies sent XXXX and each of my XXXX Representatives. I also sent a letter to XXXX Bank President identifying excellent Customer Service of a local Bank Manager who listened to my needs and together we found a solution to my predicament. The reason for not being a local bank customer is explained in my letter XXXX. I would be happy to forward copies of these letters to you so that you can fully understand what should have been a simple task took an entire day with a great deal of frustration dealing with a " Catch 22 '' situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation