BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have been banking with Bank of America for more than XXXX years and had no issues with them until recently. Several years ago, they enticed me into signing up for a preferred debit card. They explained to me that this card could be used as a credit and debit. When I would use the card to purchase items, some stores would swipe it as a credit card and I did not have to enter my PIN as they say they were not equipped to use it as debit. I thought that I had no other credit card with the Bank as it was a part of the XXXX card. In XX/XX/XXXX when XXXX XXXX through XXXX of its subsidiary, XXXX was charging {$29.00} to the card ending in XXXX, the Bank was automatically doing a direct debit from my account. When I reviewed statements, and only saw a direct debit payable to FIA Card Services, I thought it was the amounts which were charged to my card when the stores could not debit it. Since I did not anticipate charges on any other card, I did not question the bank as I trusted them. I do n't recall authorizing the Bank of America to debit from my debit account any amounts from a credit card ending in XXXX. I do n't understand how this happened. When I discovered a scam on my debit card in XX/XX/XXXX I went to the branch of Bank of America at the corner of XXXX XXXX and XXXX. I cancelled my debit card and asked the manager, XXXX for a payoff amount to pay off the outstanding amount on the debit card. The manager told me that there was a separate card out there that only a XXXX was charging {$29.00} a month to since XX/XX/XXXX. I could not believe it and immediately called XXXX and the Bank 's fraud department and everyone to help me straighten it out. XXXX XXXX XXXX XXXX XXXX returned XXXX of the charged to the account and approximately XXXX are outstanding. I spoke with many managers and customer service representatives of the Bank and they say they can not help me. Their fraud department said it is not fraud. If it is not, they must be in concert with XXXX or XXXX. I requested an account of all charges ( what items were purchased ) for the amount that the Bank say is outstanding on the card ending in XXXX and to date the Bank have not provided me with that. The last person I spoke with at the branch bank, XXXX said that the Bank of America and the credit card division is separate entity and they can not help with them even though it is someone at the branch bank who signed me up for the card ending in XXXX. I do n't understand what is going on, but please have the Bank go after XXXX for whatever they claim is owed to them. They keep on harassing me for payment. The Federal Consumer Protection Agency and FTC said that the FTC have a settlement claim against XXXX and Bank of America, yet Bank of America refuses to give the form the Federal Consumer Protection Agency instructed me to get from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX -Discovered that fraud on my acountXX/XX/XXXX - filled claim with Bank of America Claim was denied- BOA said to long before claim was initiated XX/XX/XXXX claim reopened XXXX?? XXXX claim denied by bank of America- excuse not enough evidence XXXX -claim reopened XXXX claim denied Claim # 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 monetary relief
Consumer complaint received 2015-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I had a loan modification through the HAMP program and it became permanent in XXXX 2015 and was filed with the XXXX XXXX XXXX County Property Deed Office XXXX 2015. I also had to file a chapter XXXX bankruptcy which was converted into a chapter XXXX in XXXX 2015. I requested to have the Debt reaffirm with Bank of America as the payments were being made. I have contacted them on several occasion in which I am constantly being told to call back and the numbers do not correspond with the FHA loan modification and therefore putting off being able to reaffirm the loan with the correct amounts as well as prolonging a discharge in my bankruptcy case. I spoke to several representatives in the BK department and finally today I spoke with a supervisor who is reviewing the papers and does n't understand it. The people that do the reaffirmation are not able to talk to me and I am XXXX. Also they are not updating the credit bureaus and reporting that I have a current loan status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Payoff process

Complaint:
I made a purchase on a credit card which had a 0 % promotional balance on it. I called the credit card company ( Chase ) prior to making the purchase because I wanted to make sure I could pay off the purchase even though I had the 0 % balance remaining. The woman informed me that any payment I made over the minimum due would be applied to the higher interest balance - so I went ahead and made the purchase of {$89.00} knowing that I always pay well over the minimum due and the added purchase amount combined. Then I get my next 2 months statements and I have been charged interest in both billing cycles even though I paid 7X the minimum due and 2 X the minimum due plus the purchase amount. And now I am being told I have to pay off the entire 0 % balance before anything will come off the purchase balance. The amount of interest involved here is not the point - it is a matter of principle. I have attached documentation of my conversations with Chase, as well as my statements depicting the charges and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
From XXXX XXXX thru XXXX my bank of America statements had A Bank of America XXXX XXXX XXXX XXXX   XXXX Address After that to present date XX/XX/XXXX my boa statements have both Bank of America XXXX XXXX XXXX XXXX  XXXX And Bank of America XXXX XXXX XXXX XXXX XXXX Address I did not have a phone or a computer from XX/XX/XXXX thru XX/XX/XXXX so I could not access my account from a phone or a computer I always to go in person to bank of America XXXX XXXX XXXX vXXXX XXXX XXXX The boa rep states that the XXXX XXXX  address is for online banking. I don't do online banking I did not do online banking access to my transactions until I got a phone in XX/XX/XXXX so please explain to me why the XXXX address was put on my account originally and who authorized it and then why it was changed to 2 addresses of both XXXX XXXX and XXXX XXXX and who authorized that.

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 2015-04-13
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen sent an escrow analysis stating we needed to pay {$410.00} for a shortage ( even though by their own paperwork we had a {$0.00} shortage on our mortgage this past year ) I mailed the check, it was received and documented by the post office, cashed with in the time limit set by the company, even so our mortgage payment was increased to the level as if we did n't pap the shortage. When I called to find out why it was increased - I was told I needed to call again after the payment was made to request a new escrow analysis. Why? you did XXXX told me I was short and I paid it. I want the overpayment refunded to me and the monthly amount corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize this company to pull my credit. I have asked XXXX XXXX XXXX and Experian to remove this credit pull but they are unresponsive. Experian also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( 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 non-monetary relief
Consumer complaint received 2016-01-07
Company: Navient Solutions, LLC.
State: VT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have asked Sallie Mae numerous times to stop harassing me. I have been threatended by several Sallie mae agents that i can face federal prison, I can be arrested at my place of work and that I can be sued in court. They have called the Senior Vice President of my Company, My sister-in-law, they have left voice messages on my direct supervisors phone and my home and cell phone. They have even sent fax messages to my office. I have developed severe anxiety and have told them that I am unable to make any payments of any kind to my loan. I 've provided my financial information and monthly budget to prove that I cant afford payments, yet somehow they think that I am still capable of paying loans with a monthly income of {$1600.00}. I have given them the break down of the cost of rent ( $ XXXXmonth ), insurance/medical costs ( $ XXXXmonth ), Utilities ( $ XXXXmonth ), Electricity ( $ XXXXmonth ), Winter heating ( $ XXXXmonth ) gas/transportation ( {$75.00} ), phone bill ( {$100.00} ). At the end of the month I have {$55.00} dollars left to pay for groceries, clothes, home toiletries, cleaning supplies, feminine products, and laundry. I do n't understand how they think I can make $ 300 monthly payments. They have disregarded my request for them to stop harassing me, my co-workers, my supervisor and family members. In the state of Vermont, I apparently make too much money to qualify for welfare, subsidized housing or food stamps. I feel like I 'm drowning in a hole. Most if not all of my student loans are in default which has plunged my credit score to XXXX. I ca n't afford to buy a car. These student loans have deeply affected my mental health, quality of life, self confidence and faith. At this point I do n't know who to talk to about this. I do n't even know if anyone is actually reading this paragraph but I feel helpless and unprotected. My biggest mistake in life was attending a university. I would have been better of going to a community college. Also, your drop down options only allow me to check XXXX box. I need to check off XXXX more.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
False refinance information provided by originators of loans in XX/XX/XXXX led to almost foreclosure and eventually bankruptcy in XX/XX/XXXX. Still trying to recover financially as my home is in need of dire repairs, but I am unable to loans because of bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2016-10-28
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I sent a letter to ONE MAIN FINANCIAL regarding an inaccuracy on my credit report, account number XXXX. They received and signed for the letter on XXXX XXXX, 2016 ( I attached the return receipt ). They violated federal law by not placing " notice of dispute '' on my account within 30 days of my dispute ( I attached my credit report as well, please see pages XXXX & XXXX for the reporting from ONE MAIN ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: MI
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: CITIBANK, N.A.
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:
here are a list of accounts either closed or collections but I never gave consent nor have I ever signed for any of these accounts 1. XXXX XXXX XXXX {$0.00} XX/XX/XXXX 2. ( DSNB/ MACYS ) DEPARTMENT STORES NATIONAL BANK/MACYS {$0.00} XX/XX/XXXX 3.XXXX {$1500.00} XX/XX/XXXX 4 XXXX XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX {$0.00} XX/XX/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 2016-03-11
Company: AES/PHEAA
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX loans with AES that were paid off by XXXX XXXX XXXX XXXX XXXX. I paid out the amount that was told to me by AES was to total due to pay XXXX loans in full, I then submitted that amount to XXXX XXXX who issues a payout to AES and became the note holders on my loans. Around XXXX of 2015 ( XXXX yrs ) I begain receiving notice from AES that I had a balance due in full to them which included XXXX yrs of interest. I had not received any notice before then that I had a balance or there was any balance outstanding. Both XXXX and I have attempted to contact them and sent them multiple documents indicating the transfer of the loan. They have now sent my account to PHEAA Default Collections and the debt is now on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dear XXXX of the Consumer Finance Protection Bureau, AWA collections, as of XXXX XXXX, 2016, continues to violate both State and local laws of the XXXX Arizona 's XXXX debt collection statutes which prohibit the collection of medical debt from consumers participating in State Medicaid / Medi-cal. The original creditor and AWA collections were notified by the Arizona Department XXXX XXXX that " balance billing '' and pursuing a bill against an XXXX enrollee can trigger civil penalties of " three times the amount of the billing '' and is expressly prohibited by Arizona XXXX XXXX XXXX. 
When this occurs, it is appropriate to report the unlawful billing practices to the XXXX XXXX of XXXX XXXX for further action, since the XXXX considers such billing practices by providers to be " fraudulent ''. 

In XXXX of 2016, The State of Arizona notified AWA collections and XXXX XXXX XXXX that pursing this bill is in violation of state statute. AWA collections continues to disregard such notice and continues to illegally collect and report to the major credit bureaus. 

AWA collections has also illegally reinserted this collection with the major credit bureaus and failed to notify me in writing prior to its reinsertion. 

This is my final attempt to resolve AWA 's illegal and fraudulent collection of this bill. I understand mistakes happen, and expect AWA to resolve and discontinue the collection, reporting, and dissemination of this alleged debt. I have filed a complaint against AWA collections with the State of Arizona 's XXXX. 

AWA Collections has violated both the FCRA and State of Arizona 's state statutes regarding debt collection of covered state Medicaid recipients. AWA Collections is liable to me should I reserve my right to seek resolution through the legal system of the State of Arizona.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09
Company: IQOR US INC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I continue to get calls from an number and nobody would answer when i called back. XXXX. Turns out it belongs to Allied Interstate, a debt collection company. Their phone number does not identify them as a debt collector or a company at all when you call them. Additionally, when the gentleman answered the phone he refused to tell me 1 ) the phone call was being recorded ( I found that out on their website ) and 2 ) that he was in fact a debt collector. He simply demanded to talk to someone by name at my phone number. I asked him if he was a debt collector and he refused to acknowledge it. I told him I could neither confirm or deny knowing the person he was trying to reach until he identified himself completely. Which he did not. I then terminated the call and told him he may not contact my telephone again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-11
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
In XX/XX/XXXX I was asked by my ex girlfriend at to time to cosign on her private loan for school through XXXX. At this time I also had a loan through XXXX for school that required a cosigner. Knowing this I told my ex-girlfriend that I would not be able to cosign for her and that she would have to try someone else. I assumed she had found someone else to cosign since she never brought it up to me again. around XX/XX/XXXX I started receiving letters in the mail from XXXX asking for my ex-girlfriends whereabouts. At the same time sallie mae was also sending tons of mail to my residence for her ( her previous residence at the time ). Then I began receiving letters from XXXX saying that as a cosigner to her loan it was my responsibility to make payments. Originally i thought it was some type of mistake and tried contacting my ex-girlfriend. At first she denied it and then started ignoring my calls. XXXX continued calling and sending letters to me so I asked to speak to someone about more information on the allegetly cosigned loan. I requested a copy of the loan agreement so that I could compare the signature but instead I was sent a typed up document with no signature. I asked again several times for a agreement with a signature but continued to get the same typed document. I then filed a claim with sallie mass loan department, completed all the necessary paperwork and waited on the result. I was told that my claim had been denied as fraud because the loan was signed by e-file and there was no actual signature. At the point i questioned the e-filing. I was told that the e-file was followed up with a phone interview. I told the lady from the fraud dept that I never received a phone interview. I then asked what kind of questions were asked in this interview. i was told it was questions similar to : my address, my place of employment, social security number etc. she then asked me to confirm the answers to those questions and then told me that my claim was not fraud because all the information given about my identity was true. ( i.e. my address, place of employment etc ). Outraged by her conclusion I asked " is n't that what identity fraud is? ". Then she asked me about the conversation I had with my ex girlfriend when she asked about the loan. Then she told me that i did n't say " no i 'm not signing it '' so i did n't say no. I do n't understand how saying I 'm not able to sign your loan is any different and it does n't matter what I said, i never gave her permission to cosign me for anything. Having no luck with the fraud dept I gave up on fighting the issue. Some time after that my exgirlfriend called me to apologize for the incident. I asked her to call sallie mea and correct the problem but she never did. I assume since then she has been paying her bill but has stopped so now they are calling me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is in serious violation of 15 USC 1681b

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