BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Lender : Bank of America, Home Loans, XXXX 2016 to XXXX 2016 Issue # 1 ) My wife and I were promised by BofA that after a loan modification was completed, our last three months of our reported credit reports ( All XXXX agencies ) would be marked " Pays as Agreed, '' " On Time, '' " No Delinquencies. '' Now, 60 days have passed after the successful completion of the program, we have been current and on time for past 5 months, and BofA has still not made the corrections. 
Issue # 2 ) We had excellent credit prior to the forced loan modification. BofA would not assist via a home loan refinance, and told us the only option would be to " Default '' on our mortgage, and then we could qualify under 'other ' programs. Our intentional default was directed by BofA, and now we have taken a major hit to our FICO scores ( as partially expected ), but were promised that the retroactive repairs to the last 3 out of 6 months would be corrected to demonstrate a resolved and satisfied account. 
Issue # 3 ) Horrible Loan Modification Option - With excellent income, and no option but to intentionally default, the final loan modification was a balloon payment loan. No choice! We had no option to Refi, or apply for a conventional or jumbo fixed rate loan. BofA basically had us by the 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 2022-04-20
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Identity theft against XXXX XXXX XXXX XXXX since XX/XX/2015 I have XXXX XXXX ID accounts XXXX email accounts XXXX accounts he has given access to my accounts to XXXX diffrent women he has impregnated over the years all while living with me I have credit debit mortgages under my my name personal loans Ive never had hospital bills I only have one address XXXX live XXXX  XXXX XXXX tx XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16
Company: Experian Information Solutions Inc.
State: LA
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:
There are several hard inquiries on my report with the incorrect employer due to an improperly transcribed intake form at a car dealership. I never in my life worked for XXXXXXXX XXXX. I did however work for XXXXXXXX XXXX  which if checked operates at the very same address. This incorrect information is tarnishing my good name and is against the law. I would like all inquiries with this incorrect employer removed as the information is inaccurate.

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 2015-04-14
Company: Collection Bureau Services, Inc.
State: MT
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I got sued for a medical bill for my XXXX husband. The collection agency won a judgment against me. The original bill was {$150.00} and now with court costs, atty fees, and other charges it is now close to {$700.00}. I did n't have the {$150.00} to begin with and sure do n't have the {$700.00} now. The collection agency has now violated the fair debt collection practices act by knowingly seizing my social security funds out of my bank account, which I know that these social security funds are exempt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 am a victim of identity theft, with a current fraud alert and FTC report on credit reports. I noticed I have 3 hard inquiries on my credit from a company I haven't contacted to pull my reports. I have not granted XXXX XXXX no access to do so. I am contacting you guys because I reached out to them about a fraud account and these inquiries and still haven't heard anything from them and its been more then 30 days. These inquiries and account is hindering my credit score and stoping me from purchasing a home because of what's being reported wrong. Below I will provide dates that inquires are reporting. 

XXXX XXXX XXXX XX/XX/2021 All are in the same year 3 '' hard pulls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I keep getting interest charges even when I pay my statements balance in full by the due date. I called and discussed with the company and was told that I carried a balance. I took screenshots from the Citi app this month since I continue to be charged to show my payment making final statement balance of {$2000.00} and then {$0.00} owed by due date yet I was charged interest XXXX. I am asked for this to be corrected along with a review of other interest charges for this year.

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 2021-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... CAPITAL ONE XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been paying on my navient student loan since 2010 and through the years I have noticed they have quite deceptive practices. Despite every payment being made on time and a lot of extra payments, the interest rate continues to go up. They do not allow a payer to set up recurring payments that are over the due amount so I have had to go in monthly and submit an additional payment in addition to the recurring payment ( of the minimum due ). Upon making extra payments in order to pay the loan off quicker, navient in return reduces the amount they take from my account the following month as if they are purposefully attempting to lengthen the time the loan is paid back and thus getting additional interest. The interest rate has also increased steadily over time. This is very unfair practices to borrowers and they are clearly attempting every effirt to maximize their interest income and to keep borrowers stuck in a student loan as long as possible. Despite 100 % payments made on time, being paid $ XXXX of dollars a head of schedule, and a credit score greater than XXXX, my interest rate is now nearly 10 %, which I find very unacceptable for a student loan. These practices really need to be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Navient Solutions, LLC.
State: GA
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:
On XXXX/XXXX/XXXX, I had received a phone call from a Navient Representative. .... He stated that my loan was late, since my automatic payment did not go through. He stated my account was not sent to the credit bureau at the time of the call. He stated that, if I paid a one month payment, and paid {$1.00} towards reinstating my IBR, along with just XXXX automatic payment deduction for the following month, then my account will be brought current and I will be in good standing. .... This was verified based on a phone conversation I had with Navient 's supervisor XXXX XXXX # XXXX in XXXX XXXX. The supervisor also stated my account still shows I was only 58 days late on XXXX/XXXX/XXXX. He also stated he could not provide the rep 's employee # because he was let go. I had then spoken with Navient 's Manager, XXXX XXXX on XXXX/XXXX/XXXX, and he advised me to make a request that my ombudsman dispute be reopened. .... All I am asking is for the voice recording on XXXX/XXXX/XXXX, be made transparent in a written transcript to verify what I am saying is true. .... Upon confirming my statement as being true, then I am motioning Navient to remove the 60 day late credit reporting on all three of my private loan accounts on XXXX. I am requesting Navient take ownership and liability for falsely or by misinforming me of inaccurate information as stated above. As I 've stated repeatedly, I work XXXX and my brother who is my co-signer, XXXX. The public stakes their lives on the quality and integrity of our work. I am requesting the same integrity from Navient. The harmful outcome of the false statements by the Navient rep has destroyed our relationship. Please make transparent a copy of the voice recording or a written transcript of the voice conversation to the ombudsman office and myself. Please accept responsibility and remove the negative reporting. I am asking Navient to do what is right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-15
Company: Navient Solutions, LLC.
State: VA
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:
I have contacted Navient Several times about posting my payment and then charging me again in the same month. They say they " Fix it '', and then the charge shows up again. I also keep getting emails about my account being defered. I did not request this, and they just tell me to ignore the emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
For ten years I have been paying on this line of credit. I have beenpaying the required interest and making an additional payment onprinciple. Bank of America is now changing the terms to repayment over180 months at {$1100.00}. Which is over twice my current payment. On mySocial Security income will be impossible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I brought my daughter in to open an account she is XXXX and we needed my father help because he banks with Chase while we were there we were trying to access his online banking due to him calling in and closing it my father suffers from XXXX XXXX and sometimes not know what he does I XXXX XXXX is his caregiver I take care of all his bills like mortgage Cabel gaslights and we need access to online to see how the bills are being paid or if they even being paid we dont even receive paper statements I try to explain this to I believe a bank manager and he refused to help us calling me a thief that I was trying to steal from my father in front of my child. I try to explain to him how my father acts and he took it upon herself to ask my dad behind my back if he wanted to unblock something my dad said no not understanding what he was axing never explain to my father anything so he gave me an attitude very nasty telling me he wasnt going to help me telling me to get out of his bank cursing at me making threatening jesters towards me told me to get the XXXX out so I told him I wasnt going nowhere until he say it nicely and I didnt trust walking past him at the door I was in fear of my life so he said now youre gon na stay in here and lock the door and walked away so I was stuck in the bank I tried to unlock the door myself and he says oh now you wan na get out and he unlock the door meantime my daughter still is in the process of learning how to bank with chase all this happened in front of my child I was devastated I was hurt I was angry and I am XXXX  now I need him to be fired And I wan na be Compensated for my pain and suffering Ive never experienced anything like this in my life to be held against my will at a bank I was robbed of my spirit of my safety

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
There are inquiries on my report that I do not recognize, and in accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XX/XX/21 XXXX XXXXXXXX XX/XX/2XXXX XXXX XXXX XXXX XXXXXX/XX/21 XXXX XXXX XX/XX/21

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 2022-04-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX Acct # : XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I advised XXXX to cancel my subscription to XXXX  XXXX! On XX/XX/20 XXXX sent me an email stating the card number on file was invalid and they needed me to upgrade the card number! The reason the card number was changed was because of fraud! I advised XXXX again several times to cancel my subscription and I never gave them my new card number! Eventually about a month later after also advising capital one several times of the situation, somehow XXXX got my new card number and billed me on XX/XX/XXXX {$74.00}. Since then I have been in constant contact with both companies and provided them with all the details requested! On XX/XX/XXXX I was advised by capital one the case was closed and I will be credited the full amount! Capital One also sent me a letter dated XX/XX/XXXX to again advise me the case was closed in my favor, there's nothing more I need to do, even if more information was provided! Then on XX/XX/XXXX capital one reopened the case they closed on XXXX, because XXXX contacted them on XX/XX/XXXX, claiming they showed no car policy! That is an absolute lie! I have been fighting this since XX/XX/XXXX. I want Capital One to apologize for giving out my new card number without my authorization and for reopening the case they closed! I can send you the information needed, if you want! Capital One case # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX, I REC'VD A XXXX FROM XXXX XXXX XXXX OF XXXX, MN ... CALLED THE XXXX # ON THE FORM, WAS TRANSFERRED TO A XXXX LAW WHERE I WAS TOLD IT WAS AN OLD DEBT FROM XXXX, LAST ACTIVITY WAS IN XXXX, BANK OF AMERICA WAS THE ORIGINATOR, WAS SOLD TO DIFFERENT CREDIT AGENCIES OVER THE YEARS AND THAT XXXX WANTED TO GET IT OFF THEIR BOOKS SO THE XXXX WAS ISSUED

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 2019-08-14
Company: DISCOVER BANK
State: GA
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/2019 I was scammed by a merchant who name is XXXX XXXX and her fianc XXXX XXXX out of {$180.00}. via XXXX. I asked for tracking information and got a fake tracking number. I immediately demanded a refund but was ignored. I opened a case with XXXX and the did nothing. I opened a case with my bank Discover Debit and they did nothings nor did they even bother to communicate their findings nor the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: LA
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 have inquiries on my credit report that are fradulent and i did not authorized 1 ) XXXX XXXX  XX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX 3 ) XXXX  XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XXXX XX/XX/XXXX 5 ) XXXX  XXXX XXXX  XX/XX/XXXX 6 ) XXXX XXXXXXXX XX/XX/XXXX 7 ) XXXX  XX/XX/XXXX 8 ) XXXX XXXX  XX/XX/XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XX/XX/XXXX 11 ) XXXX XXXX XXXX XX/XX/XXXX 12 ) XXXX XXXX  XX/XX/XXXX 13 ) XXXX XXXX XXXX XX/XX/XXXX 14 ) XXXX XX/XX/XXXX 15 ) XXXX XX/XX/XXXX 16 ) XXXX XXXX XXXX XX/XX/XXXX theses are inquiries fraudulent listed 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 non-monetary relief
Consumer complaint received 2016-12-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax failed to provide me with the adequate documents they have on file to verify the accounts I have disputed. From my understanding the credit agencies have 30 days to respond to my disputes. Being that the 30 day mark period has expired without a proper investigation or proper verification of the accounts should promptly be deleted as per FCRA section 611 ( 5 ) ( a ). I would really appreciate if you could take care of the matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: CAVALRY INVESTMENTS, LLC
State: NJ
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: Problem with personal statement of dispute

Complaint:
I have contested these 2 collection files from Cavalry LLC :  XXXX XXXX On neither of these files is Cavalry able to supply me with documentation that I authorized the charges. I have contested the bill with the companies XXXX XXXX which charged me tuition for a course I did not attend ; and the XXXX charge represents an incorrect appliance order.There is no written documentation with my signature showing that I authorized either of these bills.

Company response to consumer: Closed with explanation