BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I am trying to start the process to " recast '' my mortgage. I have been on the " Making Homes Affordable '' program for the last 5 years*. The BofA sent me a notice that a " recast '' was available if we wanted to keep our mortgage payment at a lower level, who would n't? 
I missed the deadline for getting the notarized paper work back to them. 
I called the help phone number, XXXX, ( on XX/XX/2016 ) to see if I could send the request in late. I was asked to hold while the agent checked to see if they would send me new forms. 
I was told to check back on a daily basis to see if my request had been granted. I called back ( XXXX/XXXX/2016 ) and was told to hold, the agent checked and told me to call back as no decision had been made. 
I had been through this dodge before with XXXX XXXX. I was going to call back this morning to check again. Then I thought the best thing to do was contact CFPB. 
*You helped me before when BofA reported me 90 days overdue. With that incident I requested a posting printout from them and found XXXX major problems 1. they were posting my payments to " Unapplied Cash ''. 2. They showed XXXX or XXXX transactions to my account but the " dump '' showed XXXX. 
I have other problems with them but I will not bother you with them now. 

Thank You 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 non-monetary relief
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: TX
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 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX 
CREDITOR : XXXX XXXX DATE ASSIGNED : XXXXXXXX XXXX  AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXXI. has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Experian Information Solutions Inc.
State: MS
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:
While I was in the process of trying to rent  an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$720.00}

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 2022-05-20
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello- I had several payments scheduled with American Express and had my account abruptly closed with no explanation. 

On XX/XX/2022 I paid {$2300.00} to American Express. 
I scheduled a payment of {$3500.00} for XX/XX/2022 to American Express on XX/XX/2022 and confirmed with the American Express rep over the phone that my account would be current. 

On XX/XX/2022 my login to American Express no longer worked. I tried resetting my password with no luck. I called American Express and they offered no explanation. 

I called again on XX/XX/2022 and a rep could not offer an explanation but it appears there was an issue with my account. I told this rep to cancel all scheduled payments and he agreed. 

I received a total of XXXX ( XXXX ) emails from American Express on XX/XX/2022 stating that my {$3500.00} payment scheduled for XX/XX/2022 would process. I called American Express again on XX/XX/2022 and asked why this was the case and they could not offer an explanation. I called my bank XXXX XXXX XXXX XXXX ) to have a stop payment on all payments to American Express. 

I called American Express again asking for an explanation and received none. 

I received an email on XX/XX/2022 that American Express cancelled my account and demanded I pay my balance in full with no explanation as to why they cancelled my account. 

I emailed them and their response was " Thank you for reaching out to us. We will forward your request to the appropriate department ''. After multiple emails to American Express between XX/XX/2022 and XX/XX/2022 I have yet to have XXXX identifiable American Express rep respond to me. I have only received automated messages. 

I am now asking CFPB to mediate going forward as I believe American Express has been acting in bad faith and has not responded to any of my emails beyond some generic response stating " Thank you for reaching out to us. We will forward your request to the appropriate department ''. 

I do not trust the reps that I have called at American Express and they have not been honest with me regarding any of my scheduled payments, account status, and how I will proceed from here with paying my balance. I frankly don't feel comfortable wasting any more time as this issue has been going on for XXXX weeks now with nothing but bad faith actions from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
Discover sent me a preapproved application for credit. I have perfect credit scores and submitted an application based on their offer. After I submitted the application, their system asked me to call the company directly, I tried calling Discover the same day, and they were closed ; so I had to call the next morning. When I called, the analyst that answered the phone told me that the credit decision might need another 24-48 hours to finalize processing. That sounded odd to me since most applications are approved immediately. I inquired further into why it will take so long? The analyst at Discover gave me no real reason as of why, and it seemed that she truly did n't understand her company 's process, at that point, I was disappointed with clarification, and with the training Discover provided their employees. Since my call was a waste of time, I did n't care to stay on the phone any longer. I wanted to move on with my day, so I hung up expecting a decision in the mail. Three or four days later, I receive a letter that my credit application has been withdrawn. I never agreed to withdrawing my application, they ran my credit at Discover impacting my credit scores, and they denied me credit without my authorization. I called Discover back, and the representative that answered stated it was the analyst decision to withdraw the application based on her assumption that I might 've not wanted to move forward, and if I was not happy with what happened, I would need to call Experian the credit company directly to discuss my credit check. I called Experian, and was not able to connect to any live human beings, it was one phone tree after another, and then at the end, the line gets disconnected no matter how many times I called. I was very upset and wanted to speak to a manager at Discover since this has impacted my credit, and wasted my time. After calling back and being put on hold, I was able to speak to a manager by the name of XXXX, she basically told me that she can not do anything, and that if I was still interested in a Discover Card, she would have to run my credit again. Now I do n't think a company should be getting away with this, they falsely advertised to me offering a pre-approval, and when I did believe them and applied, they had me waste my time to personally call them, then they wrongfully withdrew my application, denied me credit without confirming with me if that was my true intention, and impacted my credit scores with their useless credit inquiry. Something needs to be done to protect consumers out there from this type of predatory advertising, and Discover 's bating and switching.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I signed up for the XXXX credit card with Bank of America. Initially, they were unable to get my name right in three tries. 

Their fraud detection system is extremely weak. It flagged XXXX of my purchases as fraudulent, and then when XXXX fraudulent transactions happened over 2 days, it did not flag any of them. 

Furthermore, when I called to report the fraud, I was forced to wait 20 minutes on the phone -- and the initial customer rep could not even process this fraud report and put me on hold for 30 minutes for escalation. 

Their service department is clearly understaffed relative to other banks, and their fraud detection system is the weakest I have seen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-01
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have a few school loans that are ( XXXX ) closed out on my XXXX Credit report that I would like to remove off of my report. The reason why is because I 've filed bankruptcy XXXX, 2015 and these loans have been closed and they 're still sitting on my report hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I am filing a complaint against California Business Bureau, XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX, phone : XXXX. After I have paid my balance with this agency back in 2014, I was promised verbally over the phone that they will remove the report on the XXXX major credit bureaus and that they will send me a deletion letter so I could follow up myself through. Up to this date, they have not mailed me the letter and they have refused to removed the record on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I currently have XXXX consolidation student loans serviced by Navient. Once I entered my principal and interest repayment period my payment amount is {$320.00} for the next 20 years. On XXXX XXXX, 2016 I received an email from Navient informing me that the payment term for my loan has changed. The email then gave a list of XXXX possible reasons for the change in the amount. The new payment amount {$330.00}. This change represents an increase of {$3400.00} over the remaining life of the loan. I called Navient on XXXX XXXX and XXXX XXXX to understand what has caused the change in the payment terms since is was not easily understood. The agents and the supervisor could not adequately explain the reason for the payment change. My loan has been on automatic payments for a least past 5 years and my loan is not past due. My interest rate is fixed and the rate has not changed. A subsequent notice indicated that there is unpaid Interest of {$20.00}. As a result the unpaid interest is not capitalized is used to recalculate the new monthly payment. This {$20.00} will now cost {$3400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was being over charged on my loans for years. After finding out i did n't know what. Else to do. Come to find out Navient was the blame. So I 've been trying to find away to pay this back. I 've been unemployed so it 's been very difficult for me. I need help with my next step. Now i ca n't apply for anything else because of it going into default. I went to Itt-tech here in XXXX North Carolina. Just recently. Found out about the situation. I really need help on what to do next because I 'm trying for school Now and having a very difficult time with Navient on my student loans. I dont think it 's right for a company to get over and crush peoples dreams pr careers that they are trying to pursue.. My loans we 're over XXXX dollars and i am lost on the next step that needs to be taken ... ... ... ... ... ... ... ... ... ... ... ... ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX XXXX XXXX account numbers : # XXXX, # XXXX, and # XXXX, have 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, states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-05-20
Company: EQUIFAX, INC.
State: TX
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 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXXXXXX XXXX XXXX  : XXXX XXXX XXXX DATE ASSIGNED : XXXX, XXXX XXXXMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: F&L Marketing Enterprises LLC
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On XX/XX/2017, XXXX, contacted my reference. She informed the reference that I had applied for credit. She used other misleading statements that gave my reference the impression I was attempting to open a new account. The employee also asked her to verify that I recieved my income via military retirement pay. This made my reference feel uncomfortable. The employee also asked my reference if she trusted me. I feel these aggressive and misleading collection practices are unnecessary for a loan that is XXXX payment past due, with a total balance of XXXX. The company employee also calls several times a day, leaving a voicemail each call. I attempted to resolve the matter with the employee on XX/XX/2017. She was rude and informed me that it was company policy to tell my reference my personal information about the debt. I informed her that a general verification of my name, home address, and phone number should have been sufficient. I feel that my references should not be told my source of income, the amount of the debt, or questioned about their level of trust.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect and unauthorized inquiries were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 15 days. 

Personal Information : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: NV
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 XXXX XXXX XXXX account numbers : # XXXX, # XXXX, and # XXXX, have 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, states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX XXXX XXXX is an unauthorized inquiry that was reported XXXX XXXX, 2016.

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 2022-05-20
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I have recently checked my credit report and have realized that XXXX XXXX XXXX has put a collection account on my credit report and is reporting a past due balance and late payments onto my credit report. In the months of XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX has marked my this account as a late payment on each and every one of those months. This account can not report late payments on my credit report. Last time I checked I didn't have an established due date with this collection therefore how can there be multiple late payments. I have NEVER AGREED to pay this collection. We never signed a contract or a verbal agreement ever. If you dont have a contract or have received an application from me and have not approved me for credit you can not assign me a due date nor a late payment or a past due balance.

This is a violation of the FAIR DEBT COLLECTIONS PRACTICE ACT- section 807 violation misleading false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I completed a REPAYE Loan Payment Application in XXXX 2015. The new administrative rules from the Department of Education caused a delay in processing the loan application. Specifically, I was required to opt out of the IBR program ( 2 months processing time ), then make a payment under 10 year payment program or request a reduced forbearance payment to qualify for the REPAYE program ( 2 months processing time ), before the REPAYE program can be processed. This issue is causing me to loose 2 - 3 months qualifying payments under the Public Service Student Loan Repayment Program.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient is reporting my student loans incorrectly to the credit bureaus. In XXXX I consolidated my loans and all are current and not past due. I am currently trying to refinance my home and noticed my loans were still being reported past due, opened, and with balances. I disputed this with the XXXX major bureaus and it was corrected and updated. on XXXX/XXXX/16 I reviewed my credit report and noticed Navient had re-reported both of my student loans as OPENED, PAST DUE, and with large balances. I can not begin to tell you the damage this has done to my credit score as well as my debt to income. I was denied my refinance loan as a result. On top of all this, Navient has reported my new consolidated loan for {$10000.00} on top of leaving the other loans opened with balances and past due. Now it appears I have XXXX opened loans and I should only have XXXX. I am requested the other XXXX loans be closed, with a zero balance, and removed from my credit report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Yes i stated notice in my trends on my XXXX XXXX XXXXn XX/XX/2021 that there have been alot of purchase of hotels mics electronics phones and much more products were purchased on my way to card that I never purchase there is XXXX XXXX there is XXXX there is another card that is out there that has been used and I have tried to get the company to find out where this XXXX XXXX XXXXs They are still taking money out of my company that I work for now and still using it on the XXXX XXXX Ive been asking for help since last year and have not got a letter anything in the mail saying that this is going to be taken care of I dont know where else to town to do but to do this

Company response to consumer: Closed with explanation