BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-18
Company: Spring Oaks Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Based on my credit report several account had been opened under my name. I do not know the sum of the amount for each account since they're all charged off and over its limits. Tried to dispute but must companies need a police report so I'm attaching the Police report. I've also received email regarding loans applications and denial letters. So far, I have XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Name used to obtain application was XXXX XXXX, XXXX XXXX from New York, and address XXXX XXXX XXXX  instead of XXXX XXXX XXXX. Also, I have an FTC Report and had placed a Freeze on Credit Files, hence the Freeze will be in force for 7 years. Thank you. 

Also, There is a collection company trying to collect debt not owed. SPRING OAKS CAPITAL LLC. XXXX for {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Where is my certificate XXXX, Transunion LLC, XXXX? I disputed the accounts in the attachments and you reported all of them as accurate so once again, where is my certificate? Pursuant to Mont. Admin. R. 17.8.1207 - CERTIFICATION OF TRUTH, ACCURACY, AND COMPLETENESS

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 2015-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
FIA Card Services has been calling me on my cell phone and at my job for about 3 months. They have called me sometimes about 10 times a day. They have my Bank of America credit cards under XXXX different accounts instead of XXXX. They have called me with a XXXX area code on through away cell phones.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: SMS Financial, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I filed bankruptcy in XXXX - I turned over my keys to mortgage company. I had an 80/20 loan and the 20 is still coming after me. 
They are trying to collect XXXX because of interest accrued!! 
When the debt owed was originally under XXXX - and the 80 % loan never paid them!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I entered a Chase bank in my city to change a {$100.00} dollar bill into XXXX {$20.00}. I was told that I needed an account at the bank in order to do this. So I went down the street and got change. 
It this an illegal bank policy?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Jim Bottin Enterprises, Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This collection agency is harassing me for a regular payment to XXXX which was paid BEFORE THE DUE DATE, and I have the cancelled check.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I defaulted on my private student loan account due to a bank error, in which my check was returned although I had sufficient funds to cover the payment. In turn, this caused further delinquencies on my joint private student loan account, which has been negatively reported to the XXXX major credit bureaus. 

Attached is a letter from my bank, explaining the bank error that caused my account to go delinquent in XXXX 2015. I have tried disputing this directly with Navient and supplied them with the a copy of the bank letter, copies of all XXXX credit reports and they have denied my request to remove the negative credit markers against me, even though this was something beyond my control. 
I am asking that the delinquent markers be removed from all major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient on behalf of University XXXX reported to the credit bureaus that I was late in payment while I was in forbearance until I could prove deferment due to attendance. The representative I worked with failed to mention that my documentation would not be retroactive. I disputed the late mark on my credit report to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a follow-up to complaint # XXXX Since my first complaint on this matter related to cancelling PMI, I have had communication with Wells Fargo. Apparently the original BPO prepared never made it to the Bank. As a result, a second real estate professional was scheduled to prepare a brokers price opinion. The broker came on XXXX XXXX, XXXX to perform the property inspection. I followed up with a call to the Bank a few days later to determine if the valuation report had been received and to inquire if the value opinion reached was sufficient to permit the cancellation of PMI. During our call on XXXX XXXX, XXXX XXXX at Wells Fargo advised that XXXX XXXX now required a full appraisal instead of just a value opinion derived from a BPO. Though I am a XXXX XXXX, I researched the servicing rules established by XXXX XXXX as they are a matter of public record. The servicing guidelines advise in no uncertain terms that the servicer, not XXXX XXXX  determines the appropriate approach to establish the current value of the subject property. Why would XXXX XXXX blame XXXX XXXX when this is n't true? She further advised that she would have an appraiser contact me to set up an appointment for an inspection. As of today, I have not received a call from anyone attempting to perform an appraisal on the property.
As a reminder, the check for the {$200.00} fee was negotiated by Wells Fargo on XXXX XXXX XXXX, and still here we are no closer to resolution. I ca n't imagine that I am the only mortgage borrower being subjected to these games by Wells Fargo. I strongly recommend that your agency take a closer look at the PMI cancellation practices at Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25
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 a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$5800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: Experian Information Solutions 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 recently checked all 3 of my credit reports and noticed that experian is the only bureau reporting a second adress on my report i understand the fcra that all information must be accurate. I have disputed this adress with them in the past and was told about an investigation that never returned with results.

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 2020-04-20
Company: CAVALRY INVESTMENTS, LLC
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: Account status incorrect

Complaint:
My account with CAVALRY PORTFOLIO SVCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, account ending in # XXXX was placed for collections. This account is being handled by XXXX XXXX, a NJ based attorney. This company/attorney did not report by balance correctly as I have made 4 payments of {$480.00} and 1 for {$290.00} for a total of {$2400.00} via wage garnishment. The original amount I owed was only {$1800.00}. After repeatedly trying to dispute this on my credit report, the company/attorney never reported by balance accurately. This has precluded me from obtaining a car loan with a decent interest rate. I have documentation to prove all payments in excess of my original balance were made. I recently tried to dispute the item and yet again the company/attorney reported this account with a balance of {$1600.00}. I can not seem to have this accurately reported and the credit bureau websites will not allow me to continue to dispute the same account. I also tried to contact the original attorney XXXX XXXX XXXX and could not reach them via telephone during normal business hours. I received an automated recorded message each time I called to settle. Before I knew it, my wages were garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: PA
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:
CFPB Write up In accordance with the Fair Credit Reporting act XXXX  XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Social Finance, Inc.
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Related to complaint : XXXX Sofi sent me a check via XXXX XXXX to close out this matter. However, according to my bank, the check they sent me is not cashable as it doesn't include SoFi 's routing or account number. Because it is missing crucial information, it is not cashable by my bank ( XXXX XXXX ). This is the second check they sent me. The first they refused payment, this second does not meet the basic requirements of a legal ( cashable ) check. 
Response to last complaint resulted in a written lecture about the status of my phone and a promise to send a second check. Again, the second check does not meet the minimum standards of a cashable check as it is missing routing and account numbers- so my bank unable to submit for payment. 
Calls to SoFi result in them taking my name, telling me call must be handled by regulatory complaints team, who will call me back, but then never actually calls me back. ( which I can prove by my phone 's call history ). They will claim this is because my phone has been hacked, but I had reset by my carrier back to factory settings and have had no issues outside of those with SoFi. 
As a bank, SoFi should be able to produce a check that is cashable. Telling the CFPB that they are sending me a check to close out this matter, but then refusing payment on the first check and sending a worthless check the second time, feels very much like an attempt to wear me down and not respond in a truthful way to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
LVNV, RESURGENT, XXXX, 1st Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX South Carolina Zip Code XXXX 2nd Address XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX LVNV FUNDING LLC XXXX {$640.00} LVNV FUNDING LLC XXXX {$400.00} I am filing this complaint today against LVNV FUNDING because they have constantly failed and ignored my request to send me accurate and verified documents proving these accounts belong to me. The company has yet to provide me the proper documents that there company is supposed to have on file. This company has exceeded the 30 day request mark to provide these documents, which means that the accounts couldnt be verified and under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please Remove these accounts from my credit report to ensure no further harm is added to the stress you all have caused to my life and credit report. 
Also, this is my fourth time having to dispute this negative account and their negative actions reporting on my credit report. These accounts do not belong to me and as a consumer I have a legal right to dispute inaccurate information on my credit report that was not authorized by me. Lvnv funding reported themselves as the original creditor also reporting as XXXX, and Resurgent. They have also threatened to sue me and take me to court with no intention of doing so because the debt is too old. LVNV Funding has reported this debt not only to me but to my mother as well stating it was her debt and we live in 2 separate states, and we have never acquired any credit together. 
I AM NOT AN ATTORNEY OR THIRD PARTY REP, Please remove these accounts from my credit report, Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Upon graduation from college in XXXX, Navient told me my payment was in the $ XXXX. I called multiple times explaining how this was too much money for one month, and asked how I can lower my payments based on my income. They denied this request for a whole year. In XXXX, I was given the option for an extended repayment plan, but it was only lowered to {$560.00} a month. I made this payment for one whole year, and in XXXX of XXXX, I called and asked to lower it again due to upcoming bills such as rent so I was able to move out of my parents house. They advised me to call XX/XX/XXXX. I called back the XX/XX/XXXX, and my payment was increased to {$590.00} due to interest increasing. They told me I would not be able to lower any payment, and the {$200.00} a month I could not afford, my consigner ( my grandmother ) would have to pay it for me. Every time I called Navient, I was given different information regarding my loan status and payment options. I was always told there was nothing else I can do, I would either need to make the payment or apply for forbearance. Today, XXXX, I logged on to view my account and the loan payment was increased to {$610.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
It first began on XX/XX/XXXX- My checking account had a balance of XXXX. Later that day, Bank of America processed a XXXX transfer I did n't authorize. As a result, my account was overdrawn and I was charged XXXX for NSF fee. 
Shortly thereafter, I experienced major problems with my savings acct. 
From XXXX XXXX to XXXX XXXX, I was charged XXXX NSF fees@XXXX each totaling {$590.00}. The items presented were never cashed by B of A as I contacted the vendor- XXXX & paid them with another account. 
B of A is refusing to reverse the XXXX in NSF fees for the savings account and the XXXX NSF fee for the checking account. 
My savings account had a XXXX balance until they started applying NSF fees to my savings account. My checking account had a positive balance until they processed a XXXX transfer I did n't authorize.

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 2016-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a couple of checks on XXXX/XXXX/2016 for amount of XXXX $ and the bank made the amount available with in a time of 10 mins, but i waited one day to draw the amount after three business days the bank saying the checks are rejected and deducted money from my account. 
As per the rules, if the amount is more than {$200.00} the amount should not be available until the checks are cleared. 

I tried couple of times to speak with bank of america customer care, they are not responding, Simply placing my call on hold. After a couple of attempts I got one guy he said, we are sorry for that we would give you {$24.00} the fee which was taken for the rejection checks.And some are saying based on our relation we make the amount available with out clearing the checks. 

I lost {$2300.00} because of their fault, I went to deposit the checks in the bank, the bank teller make me to deposit in the atm and after three business days they said the checks got rejected. please help me on this issue. 

Thanks 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
Consumer complaint received 2022-03-18
Company: Herbert P. Sears Co., Inc.
State: AZ
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:
HP Sears is reporting incorrect information on my credit repot. 
-Payment status is incorrect on XXXX XXXXLast reported date is incorrect with XXXX -date of last payment is incomplete t with all XXXX credit bureaus -Two year payment history is incomplete

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have had a master card account since XXXX, services by Bank of America for at least the past XXXX plus years. When paying my XX/XX/XXXX bill, I followed the instructions on my payment slip to advise Bank of America of my new mailing address ( Their printed instructions ). On XXXX XXXX, I received my XX/XX/XXXX bill, however it was addressed to my old address & forewarned to me by the post office. I called Bank of America customer service. After endless waiting & being disconnected, I finally spoke with a so called supervisor named XXXX. He told me they still had my old XXXX address on record & not my new XXXX address. I explained that I followed the instructions on the XX/XX/XXXX payment slip. He proceeded to scold me & tell me it was MY fault & that I should have called them to make the change. Several times I read to him the printed Bank of America instructions on the payment slip, and every time he interrupted me to say it was my fault & I should have called. He would not answer my question of why the Bank 's payment slip says to do it the way I did ( which by the way worked with XXXX or XXXX other credit cards! ). He just kept saying it was my fault and was so rude I simply said to please cancel this card! I have emailed a few people at Bank of America, but I doubt I 'll hear from them! Imagine treating a cardholder since XXXX so rudely? If this shows up as anything other than account closed at customer 's request, there could be a negative impact on my credit! This XXXX was so obnoxious, I would n't be surprised if he logged the closing as bank request!!

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: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Outstanding balanceb loan was sold and has increased unreasonable.Make several calls to me with these unreasonable amounts to settle out with a paymement

Company response to consumer: Closed with explanation