BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America has continually stolen money from me and has always gotten away with it. Honestly, there have been times where Bank of America reps have been gracious, helpful, and courteous. Most of the time however, there is a significant pattern of disrespect and abuse to loyal customers. Personally, I am a student and always have been while being a Bank of America customer. I started out my account with them as a XXXX, and for a while I did n't understand or was n't aware of how banks work. Now I do, and I am still a student. Monthly, my bank account ( even if there are insufficient funds ) gets deducted {$12.00} because of Bank of America 's " monthly maintenance fee. '' I think it is wrong that Bank of America obviously can physically see that my account is lower than the $ XXXX-and at times and yet they still take. And that brings me to my more pressing concern-the overdraft items or fees they assess, which is the reason I am submitting a complaint. I am not sure how often they will assess an overdraft fee which is {$35.00} each time, once they realize your account has insufficient funds. What I am sure about is that I am a student at a University, a young mother, and I am sure that I do not need a bank continually assessing an overdraft fee, if I obviously can not replenish my account with sufficient funds.

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 2016-02-08
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have contacted General Revenue Corp 3 times by certified mail as well as disputed the fraudulent account with all XXXX credit bureaus and they allege the account belong to me. I have a police report on file in this regard and I have supplied a copy of the police report to them. The last time I contacted them by mail was on XX/XX/2015-it has been two months and they still ignore me but yet and still they continue to report the account. Account Number XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: National Credit Systems,Inc.
State: ME
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I paid off a debt with National Credit Systems. They repeatedly have refused to send me a confirmation of payment. I called and spoke with a representative whom told me I would be able to receive it the following day. I then called back, and the representative and supervisor were extremely rude and would not allow me to receive my email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I sent a certified letter to XXXX XXXX XXXX Account # XXXX on XX/XX/2022, " demanding the company provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specifically XXXX XXXX XXXX XXXX XXXX an entity entitled to enforce a commercial claim You do not conduct commerce against me. '' ( I have attached a copy of the letter ). Use of name, birthdate and social security is not validity. XXXX XXXX XXXX did not provide the requested information and did not remove this account off my 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 2015-10-27
Company: Veterans Relief Services LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
I received a call from XXXX Veteran 's Relief Services, LLC who insisted she could help my husband ( who is a veteran ) and me get a much better mortgage via her company 's program which she referred to as a " Hybrid ARM ''. Per XXXX, this program was completely different from a standard ARM ( adjustable rate mortgage ) in that he rate could never go up more than 2 % over the locked in rate of the current 2.25 %. I advised that before I would set an appointment with one of her 'advisors ' I would need to see some sort of literature on the loan explaining exactly how it worked and what to expect. 
XXXX XXXX sent the email to my husband per my request. ( See attached ) Because he was exceedingly busy he asked me to review it and respond. The loan is, in fact, a standard ARM loan. Per the United States Department of Veteran 's Affairs there is no such thing as a 'Hybrid ARM ' just for veterans. 
I replied to XXXX XXXX, albeit somewhat harshly, advising her as such. ( See attached ) The sale of this fraudulent loan is harmful to veterans and their families. I copied her employer, who claims to own the company, my husband, as well as the man who handled our current VA 30 year fixed rate loan. In response I received a XXXX page email ( see attached ) from the owner of Veteran 's Relief Services, LLC, XXXX XXXX, filled with foul vitriol towards me, my family, and People 's bank. 
The email is also, filled with fraudulent statements regarding the aforementioned nonexistent VA Hybrid ARM that XXXX XXXX of Veteran 's Relief Services, LLC is trying to convince our Veterans they should buy into even if they are currently fine in a fixed rate mortgage. 
The fraud comes in by telling consumers that 1. It is not a standard ARM. 2. He shows his own mortgage statement that clearly indicates his mortgage interest changes in XXXX of 2016. ( See attached ) The video their company uses to demonstrate the loan also clearly indicates this a standard ARM. See XXXX However, because it is XXXX minutes long I doubt that many people will watch it in its entirety. 
I believe selling a fraudulent mortgage by phone and email is illegal. So should the follow up harassment and the slanderous statements regarding XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2017-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent letters to all credit agencies regarding listing accounts on my credit report as being adverse. I did not provide consent to credit companies to report accounts as adverse, yet they continue to do so as a violation of Section 609 credit reporting and repair. Credit companies responded with a copy of credit report and not responding to the concerns in my 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 2022-10-17
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: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX : {$1000.00} ; XXXXXXXX XXXX XXXX Balance : {$60.00} ; XXXX XXXX XXXX Balance : {$140.00} ; 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 non-monetary relief
Consumer complaint received 2016-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX I have several inquiries on my credit reports some of which are duplicates of at least XXXX different dates that someone had tried to use my information to open an about. As well as a new collections account that i have absolutely no idea about nor did i ever authorize anyone to use my information for anything at all.

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 2015-03-30
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My name is XXXX XXXX and since 2004 I have been paying {$190.00} per month on a loan amount of {$10000.00} to, XXXX XXXX, but now to Springleaf Financial. 

My Annual Percentage Rate ( APR ) is 15.99 %. My Account # XXXX presently only allows me to make an ACH loan repayment monthly in the amount of {$190.00} on the XXXX of each month from my XXXX XXXX XXXX XXXX XXXX XXXX checking account. Now I have been informed by Springleaf Financial that my : * Credit Limit is $ 0.00* Available Credit is {$0.00}. 

When I originally set up this loan, I was provided checks to write against my " Available Credit '' and make purchases accordingly. Up until Fall 2014 that was still the case. Now I am not able to write any checks or requests any monies against my " Credit Line ''. I was told by a Springleaf Representative that this was caused by my poor credit rating and my inability to make minimum payments to my other credit cards in which I have gotten behind on, by not making timely payments. 

My complaint is that I have made on time monthly loan repayments to Springleaf Financial over the years and that I should not be penalized by Springleaf for my inconsistent credit card payments with other companies. 

Also, if I do not have a credit line that I may access and I am not allowed to re-negotiate the terms of my loan, then I asking CFPB to give me some guidance and a way-forward out of this non-benificial loan for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: Concord Servicing Corporation
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I currently have a loan with XXXX and have been making payments regularly. I am now being charged from Blackwell Recovery which they indicate I owe {$1200.00} with account # ( XXXX ). Payments are made satisfactorily. My payments are for {$260.00} a month and are auto-deducted from my personal checking account. Please remove this derogatory from XXXX credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: AVANTE
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Avante will not provide me with any proof that the debt belongs to myself furthermore I 've called the hospitals and they have no record that I owe anything it gets removed from my credit and then put back on every 90 days

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
XXXX at XXXX NY XXXX is calling my place of employment over and over re a debt they say I owe LOANME INC. I verbally informed the rep to not contact me at work and she rudely and forcefully insisted she could and proceeded to call 2 more times getting me in trouble. I then faxed a cease and desist letter also and they still called again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have tried to dispute the incorrect information with Transunion, but their website keeps giving me errors and they do not provide a phone number to call to dispute the information. I tried to reaccess the report online and Transunions website tells me I have to pay for it.

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 2017-05-01
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
last year I filed a complaint about this debts collector, they put this negative outstanding debts on my  XXXX  report, I dispute d this debt an they remove it after I filed a complaint with CFPB. This debt was paid 1 year ago in my Doctor office they turn around an put it on my  XXXX  report. " CFPB '' complaint history you 'll see the complaint was file one year ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: CASHCALL, INC.
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a loan in 2008 for XXXX. I paid each month XXXX a month for a total of XXXX. I feel as though this loan is paid and their interest rates are outrageous. They are threatening to sue me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
There was a period of time when I was supporting myself and my husband on a single income ( he was unable to find work ), making less than $ XXXX/yr for XXXX people, trying to pay for rent and food, and was unable to pay my student loans. The company did not provide any other payment options for me and I gathered compounded interest for over a year!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Seterus, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus, Inc was my loan servicer. They have been paid in full as of Monday and are holding an overage of aproximately {$120000.00}. Seterus, Inc is still not reporting they paid in full status, continues to ask for a payment and claims the full payment is " pending '' and will not give a concise answer regarding the money due me. The home was destroyed due to a fire, I am a single parent, and can not rebuild without the insurance money they are not releasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America illegally transferred my loan to different lenders and banks without proper notification to me. Once I was not in a position to continue my mortgage payments, Bank of America dumped my loan on other lenders and separated my XXXX and XXXX mortgage which made it extremely difficult for me to negotiate and follow whatever crumbs which were left for a paper trail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My name is XXXX XXXX. I would like to file a complaint against XXXX XXXX card for fraud. I am XXXX military veteran who fell on hard times during the recession. I had filed for chapter XXXX bankruptcy in XX/XX/XXXX and the last payment I had made to any creditor was in XX/XX/XXXX. I was XXXX from the military at the height of the recession and in XX/XX/XXXX my bankruptcy was discharged. All of my creditors have dropped off of my credit report with the exception of XXXX, XXXX XXXX card. They are fraudulently claiming that I made a payment in XX/XX/XXXX in order to keep this on my credit report causing me irreparable harm to my credit and ability to take care of my family. I have been trying to re establish my credit so I can by a house for my children to grow up in but due to this fraudulent creditor it shows that I have over XXXX late payments causing major drops in my credit report. I have tried contacting Equifax with no avail and I know that neither they nor XXXX can prove I made a payment on that account. It does n't make much sense that I would make a lone payment on XXXX of over a XXXX accounts does it? Here I am nearly 10 years after the fact of my last payment and it 's still on my credit report. Please help me resolve this issues and prosecute this company for fraudulent practices. Thank you. 


XXXX XXXX XXXX XXXX 
XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In  XXXX   XXXX , I saw an online offer fro m Citibank th at stated that if I open a savings account and deposit {$25000.00} before  XXXX / XXXX / XXXX  and maintain the deposit until  XXXX / XXXX / XXXX , I will receive a bonus of {$300.00} ( see attachment ).     I signed up for the above mentioned savings account and transferred {$25000.00} into the account on  XXXX / XXXX / XXXX  (    XXXX   statement in attachment ).      I maintained the {$25000.00} deposit beyond the  XXXX / XXXX / XXXX  deadline ( see other statements in attachment ). However, I never received {$300.00} bonus.     I followed up wit h Citibank vi a phone on  XXXX / XXXX / XXXX . In response they s ent me a letter ( da ted  XXXX / XXXX / XXXX  ; see attachment ) implying that this bonus is only for people who it was addressed to and so I do not qualify. However, like I mentioned above, this was a publicly available offer.     On  XXXX / XXXX / XXXX , I replied to the above letter from  Citibank stating that I do qualify for this bonus, since this was publicly available and that I have met all the requirements. I have not heard back from Citibank so   far.

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 2016-06-20
Company: Navient Solutions, LLC.
State: AZ
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 has not allowed me to access my online account for over a year. I need this access in order to make payments and check documents. As of right now the only way I can make payments is through the phone. Navient charges a fee to make a payment through the phone. It is posssible that Navient purposely restricts access to online accounts in order to make extra money through fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Bread Financial Holdings, 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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted each individual creditor only to be told that they can not assist me in getting this off. I explained to them that I did not initiate a request for credit and that by law they should not access my credit without my consent. They went on to say that I will need proof that I did n't initiate the request. I have tried consistently to work with them and to no avail they just ignored me or told me that they can not help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax and XXXX are reporting a {$93000.00} dollar deb in my credit reports and this is a mistake make by the child support system. After a lengthy proses trough the court systems I was able to correct this problem and the judge finally signed the order to remove the deb. So since XXXX XXXX 2015 my balance is {$0.00}. but this above mentioned credit agencies refuse to remove the information from my credit file despite my efforts to provide copies of the original court orders and XXXX requests to remove it. They just do n't care. Equifax have the information twice on the same report making my XXXX XXXX X XXXX = XXXX this is what creditors see when I apply for credit that I have an outstanding debt of {$180000.00} and this is impairing me from buying a house or a car. 
I am writing the CFPB as my last resource of dealing with this credit agencies. Please help me with this problem. 
Thanks. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We were verbally denied for XXXX. After requesting information regarding the denial over the phone we were told that any request for information would not be granted unless it was written request. We have since made several written requests regarding our XXXX denial, the status of the modification and mistakes we found on our loan in XXXX 2016. We never received any information we requested or any corrections to the mistakes on our loan. We have followed up those written requests with other letters that have also been left unanswered since XXXX 2016 - it is now XXXX 2016. Our mortgage servicer via telephone says it can not answer the questions that we have asked and we have to wait for written answers to our inquiries even if we are well outside the allotted 60 business days they say we should receive our answers in.

Company response to consumer: Closed with explanation