BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My wife and I have credit cards showing logos either from Visa, XXXX, or XXXX. Within the XXXX Card category there is XXXX card whose processing is done by a third party, XXXX XXXX XXXX, who send out the monthly statement and receive the monthly payment. We have XXXX other XXXX cards whose processing is done by XXXX itself. 

Our card that is processed by XXXX XXXX XXXX has again been the object of attempted fraud. XXXX phoned us to confirm that certain new charges were fraudulent. Since the charges were fraudulent, XXXX said they would cancel the current card and issue a new card and send it to us " overnight. '' I thank them for their vigilance. This latest nuisance gave us reason to pause. 

In reviewing our personal records, we discovered that XXXX has had to issue XXXX replacement cards to us in three years because of attempted fraud ; this last card will be number XXXX ; this year we have had XXXX fraud attempts with XXXX card. 

Our XXXX cards have never been lost or stolen, yet these breeches have continued for three years. The charges were made out of state, at supermarkets, fast food businesses, etc. Our frequency of use of the XXXX other XXXX cards is about the same as the XXXX card ; ditto the Visa XXXX. However, cards processed by XXXX itself, have not been breeched. XXXX XXXX was breeched once several years ago, due to a problem originating at the processing bank. 

Why does XXXX XXXX XXXX not conduct its business in a proactive way, to prevent fraud attempts rather than acting after the fact. Our latest cards, whether bearing the Visa, XXXX, or XXXX logo all have the new " chip '' technology. In my opinion, security has to be improved. The name of XXXX XXXX, on whose behalf XXXX processes the card information, suffers by association.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: NJ
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 feel like I 'm over paying for my school loan. Unfortunately when I call customer service for help I do n't get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have been trying to cancel some monthly subscription charges on my XXXX card. I can not get in touch with the companies who are charging me. I changed my account number. XXXX allows monthly subscriptions to pass through to the new credit card account number. I was charged twice by a company that uses preditory marketing stratagies. They now have my new credit card information. Many companies large and small ; legitamate or completely dishonest know this monthly subscription loophole. The American consumer has to be protected from preditory, fraudulent and otherwise dishonest businesses. It should be easy to shut off the money flow.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Navient Solutions, LLC.
State: MI
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:
In the aftermath of the Navient news, I wanted to add to the voices detailing loan mis-handlings by Navient. I consolidated my loans with XXXX and received confirmation from the state Education Department of Michigan that the loan with them had been paid. Even so Navient continued to seek repayment from me. I sent via registered mail a copy of the payoff confirmation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: IL
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:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

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 2017-03-01
Company: Avant Credit Corporation
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I called in to tell Avant that I was unable to make payments since I am out of work. Though, I wanted to work to lower the interest and continue making payments when I found work. 

However, I called in to ask for help and four times ( on two different cell phones ) their agents hung up on me. They would not assist with lowering my monthly payment until I received another job and instead kept my ACH payment. 

I was forced to place a stop payment on my account to prevent them from over drafting it. Now they call me upwards of five times a day to try to get payment. 

It was already a predatory loan with 36 % interest, but this is getting ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Wells Fargo processed a transaction on my debit card as a credit card transaction attached to my checking account. I did not have funds in the account, instead of declining the charge, they process the charge, They then charged me a XXXX insufficient fee for paying a charge that should have been declined if funds were not available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-16
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
My client entered into a repayment agreement with XXXX XXXX XXXX XXXX ( hereinafter referenced as " XXXX '' ) on behalf of Navient in regards to private student loan which were in default. My client understood entering into the agreement would cure his default. My client has performed under the aforementioned agreement since XXXX, 2014. However, in more then one and half years, Navient and/or XXXX have refused to cure the negative reporting entries on my client 's official credit reports. This slanderous behavior is now damaging my client insomuch as he is attempting to purchase a home, has a good credit score, but it being denied a loan because of Navient and/or XXXX misleading credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We sent in a Loan Modification application on XXXX/XXXX/2015 to the lender, Bank of America. at that time, they had a sale date scheduled. we requested a postponement to allow a review and it was pushed out to XXXX/XXXX/15. we waiting for over XXXX weeks to get an update, calling weekly, only to be dropped into the voicemail of a XXXX XXXX who was the assigned SPOC. he never returned our called. we sent in updated documents on XXXX/XXXX/15 along with a Notice of Error, QWR, and Demand for Response - XXXX Days. As a result, the sale date for XXXX/XXXX/15 was canceled. we continued to call for an update and were told on XXXX and XXXX by different agents that the file was in review and no docs were needed and there was no sale date set. We received a letter from the Counsel for BOA on XXXX/XXXX/15 that there was a new sale date set for XXXX/XXXX/15. we sent another Notice of Error citing that BOA told us the file was complete and in review so no new sale date should have been set without explanation or cause. on XXXX/XXXX/15, we spoke to XXXX XXXX who stated that the file was incomplete since XXXX/XXXX/15 and that he called XXXX times. the number he called was out of service, which he acknowledged. he knew we were the counsel for the borrower and I asked if he had our number. he said he did but that " we do n't have to call you if we do n't want to ''. we were floored by this attitude and lack of consideration. he also said the file was closed on XXXX/XXXX/15, XXXX day after we were told the file was complete and in XXXX review. as of today, we have sent in all of the requested documents BOA claims were requested, they were faxed and email on XXXX and XXXX for good measure. this is a gross mismanagement of the review and Loan Mod process and we insist that the sale be postponed and/or canceled to allow for a proper review.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Bank of America contacted my place of employment, my boss identified it as my place of employment, and then they asked for other contact number within my company to call me which my boss refused.

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 2016-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been with Bank of America for about 3 years small business banking. When i signed up they offered alot of stuff to do with small business. I also got XXXX XXXX system which was new to keep everything up to date in my smoke shop. After hard times with my XXXX i wanted to sell it right before 3 years and now i am getting charged and termination fee and also from XXXX XXXX i am getting charge to for the XXXX XXXX which i do want to send back to them but they still charging me for it also for breaking the contract. I spoke to so many reps and told them that i never knew there was a contract i would never get it and the rep who sign me up did n't tell me of this because i would never get. When i talked to a business account rep inside the Bank to help me out he told me to open up another account and get get another merchant services account set up and i could get your money back. That does n't sound it would solve my problem at all because doing that i would be stuck again. I been giving a run around for 6 months now and they just keep getting my money and time also hurting my credit report. I asked them where is the paper i sign because the papers you guys gave me had nothing on it. I know its not me there is more customers out there who is getting hurt from this. Bank of America is hurting there small business customers to hit their quota.

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 2022-08-04
Company: Experian Information Solutions Inc.
State: CA
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:
I have beeen disputing the correction of the account XXXX XXXX XXXX XXXX with a Balance of {$1700.00} and Date opened XX/XX/XXXX for a long time now and the most recent letter I sent to the Credit Bureaus was XX/XX/XXXX. This account is reporting as late only in Experian Credit Bureau! Experian is reporting a different information from other bureaus. This account was never late and I always make my payments on time. This account is only reporting as late in Exrperian. If their record keeping had been accurate, this account should have never been late. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately. 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 2022-11-16
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-12
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I started a few months ago on my XXXX credit report. I called all XXXX open collection accounts original owners, explained my heath got real bad in XXXX mostly medical bills that was not filed with my health ins. I paid my office visit copay at that time. each one that I spoke with agreed, that 's why I have no collection accounts open {$0.00} Dept w /XXXX. I then started same dispute steps with my equifax credit report, they deleted all but XXXX of the same medical accounts? I explained & disputed accounts maNY MORE TIMES THEY WONT DELETE SAME EXACT MEDICAL BILLS, THAT WERE DELETED FROM MY TRANSUNION REPORT? XXXX, XXXX, EQUIFAX CREDIT REPORTS SHOULD ALL BE NO COLLECTION ACCOUNTS. IM XXXX NOW ON SMALL FIXED INCOME. IF I GET MY CREDIT SCORE UP TO XXXX THE STATE WILL HELP ME BUY MY KIDS & I A HOUSE. PLEASE HELP ME HAVE THEM KNOW ITS RIGHT THING TO DO, BECAUSE IT TRULLY IS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXXXXXX XXXX XXXXXXXX I made a purchase on the XXXXXXXX XXXX XXXX  website. I was encouraged to open a credit card to save money. I opened the card with Comenity bank and then paid it off. They claimed it wasn't paid and charged a bunch of fees. I used the card once more in XXXXXXXX XXXX XXXXXXXX. I didn't receive the bill until months later with interest and late fees. I have since spent hours on end on the phone with the company. Every time I try to pay it off and the following month get told I owe even more. I received letters stating that it was paid off only to then be called and told I owe another {$110.00} dollars. They call my home 10 times a day and hang up when I answer. I have never had these types of problems with any other creditor. I just want this to end. I don't know what to do. Every time I call the company it only seems to get worse. It has been a nightmare!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-08
Company: Freedom Mortgage Company
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom mortgage over charged me {$820.00} for my escrow account. I am retired and this has a significant impact on my budget. I learned that they over charged me when I got a refund check in XXXX. I questioned this and got a response with a lot of inaccurate information. I sent them a response to their letter on XXXX XXXX and have not gotten a response to date ( XXXX/XXXX/16 ). I left XXXX messages for XXXX XXXX XXXX and have not gotten a return call. Finally on ( XXXX/XXXX/16 ) I spoke someone on the escalation team and I told them that I expected a response to my letter.

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 2016-03-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I settled a deb with XXXX XXXX XXXX XXXX XXXX in XXXX 2014. They reported this to the credit reporting agencies. Both XXXX and Equifax do not have updated information on this debt, which should be noted as " legally paid for less than the full amount, settled '' to be fully FCRA compliant, and this should be dated from the time the debt was settled : XXXX 2014. Instead, this shows 'charged off ' and this is showing up as a charge off on successive months on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I agreed to have my credit checked by the XXXX XXXX   XXXX dealership on XX/XX/2019, however, I was not informed that they would give me at least 6 different hard inquiries on my credit score. This has brought my score down and prevented me from being approved for a credit card, solely for the reason of having too many hard inquiries. It does not seem fair to me that I am being punished for purchasing one car.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
XXXX is agresively attempting to collect debt for Bank of America. When I requested them to validate these debts I got NOTHING back. At the same time bank of america validate the ownership of this debt ( see attached letter ) and stated they were NOT connected to XXXX XXXX .... XXXX XXXX asked for financial statement in order " to help me negotiate and settle this debt '' after providing them with all of my personal information I got NOTHING back ... is this even legal to do? ... Bank of America still has the ownership of these credit card debt notes and I was advised to settle with them. However XXXX XXXX has NOT stopped harassing me, I can never speak to the same person and have to give them my personal info ss # date of birth and etc over the phone to the secretary before I can be transferred to someone .... who knows what she does with my identity and why am I required to shout out my social over the phone to someone I do n't know ... this is a violation of my consumer rights and privacy this must be stopped!

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 2015-10-12
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am receiving constant calls from Chase Receivables regarding a medical debt I never received a invoice from the original provider. I spoke with the the collection agency several months ago and requested documentation on the charges. I provided a supervisor my name and address and told them I would research and call them back. I never received anything from Chase Receivables. Chase has continued to call my home phone number XXXX to XXXX times a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax is report an item from XXXX with an open balance. This account was included in a chapter XXXX bankruptcy that finalized XX/XX/XXXX also the account from XXXX is showing an open balance when it was also included in the bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: U.S. BANCORP
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I reviewed my statement for the month of XXXX. My rewards balance had dropped by XXXX points. I contacted the credit card company. They agreed there was a fraudulent break into my account and rewards were used. The email address used was a fraudulent address. I was reissued a new card and told the points would be restored to my account. Upon receiving the new card, activating the new card, the missing points were not on the account. Upon contacting the card company again and talking to a supervisor, I was told it would take up to 90 days to review the claim, the first information would not be available until XX/XX/XXXX and the supervisor informed me that he could not sent me written or email confirmation of the conversation we had about the problem. This is unacceptable business practice. Please advise.

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 2015-11-30
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Per the purchase contact, I was required to double apply with New American Funding. My original lender XXXX advised that they would not be able to lend on the complex. New American Funding ( Loan officer XXXX XXXX ) told me that XXXX American Funding would be able to do the loan because they had previously closed in that complex and they had the condo certification and approval so there would be no issue with the loan. I proceeded. The loan officer called me and said that the loan was approvedand about 2-3 days later I received the approval via email. My realtor emailed the loan officer about removing loan contingency and from what I can tell there was a verbal go with removing loan contingency. I signed off. Because of the lender New American Funding, my cling date was extended 2-3 times. At the 11th hour, right before we are scheduled to close, the loan officer calls me to tell me that their underwriter is requesting a full condo review. The end story, the loan XXXX calls me to tell me that they can not lend on the complex. Now my $ XXXX deposit is at risk. I received a Cancelation of Escrow with the funds to be held.

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