BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was not receiving regular communication about my account from my bank. I was not getting quarterly statements like I was supposed to. I also was never informed that they were starting to charge fees for their savings account. When I finally did get a statement I saw the fees and called customer service. I requested that the fees be reversed because I was never told about the fees and I requested a supervisor call me and explain why I was never told and to have the fees reversed. My final request was that the account be closed to prevent this from happening again. I was never called back, the account was never closed, and the fees were not reversed. I asked that the account be closed at least 5 times. And I made the request e to 2 diff erent reps. BofA is defrauding their customers by charging fees without informing them, not sending regular statements, and when requests are made on the accounts, those requests are not fulfilled. I want ALL of my money back, I want ALL fees reversed and I want the account closed. This " bank '' is a joke.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-19
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Someone obtain a payday loan in my name without my knowledge. I have tried several times to hav e Ad Astra Recovery v alidate the debt but to no avail. I have received threating phone calls from deb t collectors on my  job and afte r 9  at night. On one occasion the debt collector insulted me and even asked if my parent taught me to not pay my bills. This issue has ruined my credit and taking a toll on my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/ I accepted a car deal with XXXX XXXX XXXX XXXX and financial terms thru XXXX application.on XX/XX/ I received a hard inquiry from XXXX for the same loan.I called them to remove it they refused to.I never authorized this to run a loan or credit check

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 2017-05-31
Company: Experian Information Solutions Inc.
State: TN
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 opened student loans when I was XXXX years old in 2003. I have since paid all my student loans. I originally noticed student loan company 's had the balances incorrect. I disputed the balances and they were all adjusted to {$0.00}. As I started applying for my mortgage, I learned there is another person attached to my credit report. This man social, addresses, work history and other people information are on my credit report. As I got denied for credit cards because of my payment history of my student loans. I began to investigate and realized. XXXX  XXXX is not reporting correctly. I asked for the debt to validated, I have not received that information. I also sent in information to the three credit bureaus, of the person student loans coming to my address. The same man who social, addresses and work history that blends with my credit report. I believe all the late payment XXXX is claiming I made are untrue. All my student loans are paid off and I want to go back to school. I am being denied at every turn for 14 yr old loans. The delinquencies, the remarks, are ruining my life. I need these off my credit report. I believe there were times when collections of my monies, were reported as missed when they were n't. I believe there may have been computer/debit issues, when I would make a payment. I believe some months my payment was n't late, I was in a deferred period. There is even proof of another person info being blended with mines on my credit report. I have proof of his student loan bills coming to my old address. There could have been times payments made may not have been applied properly.

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 2017-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 opened student loans when I was XXXX years old in 2003. I have since paid all my student loans. I originally noticed student loan company 's had the balances incorrect. I disputed the balances and they were all adjusted to {$0.00}. As I started applying for my mortgage, I learned there is another person attached to my credit report. This man social, addresses, work history and other people information are on my credit report. As I got denied for credit cards because of my payment history of my student loans. I began to investigate and realized. XXXX  services is not reporting correctly. I asked for the debt to validated, I have not received that information. I also sent in information to the three credit bureaus, of the person student loans coming to my address. The same man who social, addresses and work history that blends with my credit report. I believe all the late payment XXXX is claiming I made are untrue. All my student loans are paid off and I want to go back to school. I am being denied at every turn for 14 yr old loans. The delinquencies, the remarks, are ruining my life. I need these off my credit report. I believe there were times when collections of my monies, were reported as missed when they were n't. I believe there may have been computer/debit issues, when I would make a payment. I believe some months my payment was n't late, I was in a deferred period. There is even proof of another person info being blended with mines on my credit report. I have proof of his student loan bills coming to my old address. There could have been times payments made may not have been applied properly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/2021 i found out that someone cloned my debit card and withdrawal on XX/XX/2021 {$700.00} from my checking account using ATM in 3 separate transaction while i was home all day on that day. they used my pin number as well which i memorize never wrote down anywhere. bluebird by American Express denied my claim twice even after submitting police report and fraud deceleration form. they stating there is no error found. i need help to get my stolen money back and stop those criminals from doing that to another consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine 2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. XXXX XXXX BANK OF AMERICA Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: OH
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:
When shopping for a car you have XXXX and only get hit with XXXX hard inquiries if you have multiple hard inquiries within a XXXX period it should count as just XXXX hard inquiry. i got hit twice in XXXX month XX/XX/XXXX and XXXX XXXX thats XXXX  days apart that should not have hit me with hard inquiries multiple times. the companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-05-31
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Nelnet bought out the company that issues/holds student loans in the state of SC. When they bought out the company, they had an old address and phone number for me. Any auto debits that were set up with the old company did n't transfer to Nelnet. The y ended up having me as 90 days past due when I had no idea that they owned my loan now. I called to settle this once I saw it on my credit report, and they had no problem giving me a forbearance and bringing me current, but refused to remove the hits on my credit ( which was  XXXX  separate loans ) because they said they sent letters and call ed ( even  though they had the address and phone number wrong ).     I 'm a veteran and am trying to secure a VA loan for a house, and this hit to m y credit score is making it difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 a purchase was authorized twice for {$150.00} at an XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX purchases for {$150.00} were made at an XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX purchases for {$150.00} and {$150.00} were made at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 I called a Wells Fargo representative and started a claim for false charges on my bank account. Claim was received On XX/XX/2022 I received a notification on their app my claim was resolved. 

On XX/XX/2022 I received a letter in the mail detailing the the investigation had found that I had made those purchases. I called to see if their was anything I could do to dispute and the representative said no. 

I did not make these transactions they're fraudulent and it was money taken out of my account unjustly

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 2017-10-16
Company: Experian Information Solutions Inc.
State: PA
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:
the Experian credit reporting bureau is not responding to repeated requests from to investigate errors on my credit report.some things are time-out and should be removed from my report. and there are many, many companies that I have good credit with that s not being shown on my credit report. and every effort that I have made to write to them to correct these problems has been met with nothing. when they ask for information and I send it to them, I hear nothing and then later they say something that 's just keep me running in circles and that ai n't nothing being done and I do not who to write to about these stalling, stonewalling and delay tactics.i have a lot of companies that I have good credit with and made timely payments to them for years and that 's not on my credit report

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 2017-05-31
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My home was purchased in XX/XX/XXXX, My Husband filed for divorce in XX/XX/XXXX I contested the divorce for approx. Three years my husband at the time refused to pay the Mortgage. I had a bank account that was inherited through my family which I used to help me with the mortgage. this bank account got closed by XXXX XXXX XXXX I had XXXX dollars at that time. I complained against XXXX XXXX XXXX nothing was resolved .My husband and I were divorce by Supreme court XX/XX/XXXX. I went into foreclosure I requested help from various agencies who contacted Wells Fargo who offered me a Modification for 40 yrs. my loan at some point was 22 yrs because of extra payments applied. The courts found my husband to be abandonment. and requested that I was awarded the home.Wells Fargo received all of the divorce documents also the quid claim deed.Removing my husband from the Title But not from the loan. I tried to file assumption I was told my X husband has to sign documents I do n't know where is. I tried to refinance I was told the bank do not work with 40 yr loans. Wells Fargo after paying them on time They given the credit reporting companies a very low score 0f XXXX so that I can not receive help any where.

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 2017-05-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am filing this complaint because Experian,  XXXX , and  XXXX  have ignored my request to provide me with the documents that their company has on file that were used to verify the account I disputed. I have been requesting verification of the following account that Experian,  XXXX , and  XXXX  continue to report on my credit file : Bankruptcy Case ID #  XXXX . I also contacted the United States Bankruptcy Courthouse in  XXXX , GA and spoke with a court clerk. The clerk 's answer was definitively clear : " The Bankruptcy Courts do not have any type of communication with any of the credit bureaus. '' Then I asked if the court received anything from Experian,  XXXX  or  XXXX  trying to verify the case, the clerk 's answer was again clear : " No, we did not receive anything from Experian,  XXXX  or   XXXX   regarding your case. '' She stated they do not furnish information to credit bureaus electronically, by mail, or by any other means. I have verified with the clerk of court stating they do not report or verify anything with the credit bureaus. Experian,  XXXX , and  XXXX  are using a third party to report this inaccurate information. I 'm requesting the immediate deletion of this inaccurate information. Experian,  XXXX , and   XXXX    are violating the Fair Credit Reporting Act by saying they verified this item. Please, see the attachment. Also, un der Section 611 ( 5 ) ( A ) of  the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. I request that this public record Bankruptcy #  XXXX  be removed due to lack of verification and inaccurate reporting of verification. I have repeatedly requested tangible documentation whether electronically or hard copies and Experian,  XXXX , and  XXXX  have yet to verify. Also, Experian informed me that they were not going to reinvestigate this information again unless I send additional relevant information.

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 2017-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am filing this complaint because XXXX, XXXX, and TransUnion have ignored my request to provide me with the documents that their company has on file that were used to verify the account I disputed. I have been requesting verification of the following account that XXXX, XXXX, and TransUnion continue to report on my credit file : Bankruptcy Case ID # XXXX. I also contacted the United States Bankruptcy Courthouse in XXXX, GA and spoke with a court clerk. The clerk 's answer was definitively clear : " The Bankruptcy Courts do not have any type of communication with any of the credit bureaus. '' Then I asked if the court received anything from XXXX, XXXX or TransUnion trying to verify the case, the clerk 's answer was again clear : " No, we did not receive anything from XXXX, XXXX or TransUnion regarding your case. '' She stated they do not furnish information to credit bureaus electronically, by mail, or by any other means. I have verified with the clerk of court stating they do not report or verify anything with the credit bureaus. XXXX, XXXX, and TransUnion are using a third party to report this inaccurate information. I 'm requesting the immediate deletion of this inaccurate information. XXXX, XXXX, and TransUnion are violating the Fair Credit Reporting Act by saying they verified this item. Please, see the attachment. Also, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. I request that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification. I have repeatedly requested tangible documentation whether electronically or hard copies and XXXX, XXXX, and TransUnion have yet to verify. Also, XXXX informed me that they were not going to reinvestigate this information again unless I send additional relevant information.

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 2017-05-31
Company: JPMORGAN CHASE & CO.
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had a mortgage with Chase that I wanted to refinance. After locking rate and agreeing to proceed with Chase for the refinance, I was asked to complete forms multiple times. I was asked to verify the same information over and over again. I was asked to explain line items on my paycheck multiple times. Notably, my paycheck is military so should be easy to read or understand as all information is public record and easily found online, OR via the Chase department that deals with military and veterans. I was not provided information that I requested. I was not called back though I requested a call back repeatedly. Customer service ( resolutions ) contacted me several times, but they never seemed to know what was actually going on with the mortgage process, and often had incorrect information. I have participated in  XXXX  mortgages, either new or refinance, in my lifetime. I know what to expect. This process has been so painful. I can not get anyone at Chase to give me a date for closing even though they say they have all the info now. My banker is filing for an extension ( has been 60 days now ) and says they will have to verify my employment AGAIN ( this will be the 3rd time ). I have stable employment  (  XXXX   XXXX    XXXX    XXXX  in the  XXXX  ), a  credit score th at hovers around  XXXX , and most importantly, I have a history of business with Chase as this is a REFINANCE. I have had a Chase mortgage since    2003.  There is no reason this process should have been so awful for a simple refinance. I would like to walk away and chose another bank but at this point I have HOURS if not DAYS of my time invested. I feel like a hostage to Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2022 I called CMRE Financial services , Inc after receiving a debt collection bill. The first time I called the phone was picked up and then immediately hung up. I had to call again and wait on hold. When the call was answered by a XXXX, I provided my information. When I began to request additional information from this person, I was repeatedly told that this bill was my responsibility, over and over. She would not provide answers to any of the questions asked and became extreme hostile, and unprofessional. She then hung up on me without answering or resolving my questions. This company is not willing to provide answers or properly take information. I feel that they are attempting to dodge calls in order to run up bills and collect additional money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: La Casa Bonita Investments
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
XXXX   XXXX   XXXX   is trying to get my money upfront for {$590.00} with a scam!

Company response to consumer: Closed with explanation