BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
It recently came to my attention that last year I was placed XXXX by Bank of America. At the time last year there was a check deposited into my account by XXXX XXXX XXXX. I do not know these people and have never had any contact with them. I have never received any checks or any other form of currency from them. They committed fraud at my expense. Bank of America told me at the time of the deposit that they were force closing my account and I would be banned from ever doing business with Bank of America again. They did not tell me I was being sent XXXX. I was in shock having been a valued customer with no problems since the 1980 's, Having just lost my husband and being under a Dr 's care XXXX it did not occur to me to go to the police nor was it suggested by the bank personell. Last month when I went to try to open an account to start a business is when I was informed XXXX and told I will remain there for 7 years. I in the meantime already had an existing account at another bank is another reason I did n't know about XXXX. I have contacted Bank of America asking them to remove my name XXXX and am still waiting a response from the bank. The only thing they have told me so far is that I waited too long to dispute it, but had I known the full extent of being sent XXXX I would have done it immediately. I would appreciate any help you can give me in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Credit Card Receivables Fund Incorporated
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
As of XX/XX/2021 Unifund has kept a garnishment on record of a past employer XXXX XXXX I haven't been with for a 15 hr a week pt job in several years due to my physical limitations. From my past complaint they closed the XXXX XXXX garnishment but haven't closed the XXXX XXXX nor explained why they contacted an employer I haven't worked at in several years. I am XXXX only and receive food stamps based on the XXXX income.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I went into the Bank of America branch in XXXX, CA to inquire if my direct deposit was added to my account and if it would make sense to change it to a different type of account, before I knew it the account was changed. I was not eligible for a direct deposit account nor did I authorize the change, I was merely inquiring about the different type of accounts they offered. The criteria for the direct deposit account was either {$250.00} as a single deposit or a {$1500.00} daily balance, neither of these fit me and I was not informed of this prior to the change. The bank then told me my eBanking could not be reinstated. I contacted the branch manager the following day in person and also contacted XXXX XXXX at the Customer Service line in XXXX County, CA to correct this error, to no avail. The new changed account now has a monthly {$12.00} fee to maintain the account, so there was no prior notification of this and now I must close my account immediately in order to not have to pay this monthly fee. I want to emphasize that I never gave authorization to change my account.

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 2016-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The property address mentioned above was foreclosed on XXXX XXXX, XXXX and Charged off by Bank of America XXXX. XXXX XXXX was the XXXX lien-holder and tried twice to participate in a short sale, but Bank of America refused twice ; therefore, the home went into foreclosure. 

We made numerous calls to Bank of America who told us the home was charged off and we did n't owe anything. Then we received notice from XXXX saying they had the loan now. We disputed the validity of this debt. XXXX at one time agreed that Bank of America should have never sold this loan to them, but then started charging us the regular monthly payment amout of {$620.00} which has significantly increased this debt. And now XXXX is selling this disputed debt to XXXX and the debt amount has doubled from the original debt amount. 

Additionally, this property was part of the National Federal Class Action Lawsuit against the XXXX banks ( including Bank of America and XXXX XXXX ) that foreclosed on homes and should not have.

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 2021-05-10
Company: Santander Consumer USA Holdings Inc.
State: AZ
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:
During the COVID 19 pandemic, lenders like Santander Consumer USA were advertising how they would help their costumers during their financial hardships as a result of the pandemic. I called Santander to request relief under the COVID 19 relief act and was informed late payments would not have late fees and would not be reported to the credit bureaus during the pandemic and I trusted the person on the other line with the information I was being given. However I was charged late fees and the late payments did get reported to the credit Bureaus which subsequently dropped my credit scores. I was late XXXX, XXXX, and XX/XX/XXXX and XX/XX/XXXX. I called and messaged XXXX XXXX and was told they have the right to report accurate information to the credit bureaus however they are not answering to their promise to follow the covid relief act and not charge late fees or report during the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: TX
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:
put a large payment down on the loan and asked that it be placed towards the principle. it was not, it was placed towards the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
When my credit was pulled on     XXXX   XXXX  2017    to purchase a new home for my family, there were  2  late payment stated on my   XXXX   credit report for  Wells Fargo Financial. T hey showed that the payments were late in both  XXXX  and  XXXX   2017 . The only late payment was in  XXXX   2017 , because I was not able to pay full amount due because I had paid my last fine payment, I can understand that. But it also showed the payment for  XXXX   2017  was also late. In  XXXX   2017 , I made  two payments, 1st one  was  on  XX/XX/XXXX  and 2nd was on  XX/XX/XXXX . the total of the two  were for the amount due of {$410.00}. I also have proof from   XX/XX/XXXX   statement that they received those payments, yet falsely reported late payment for  XX/XX/XXXX .   Being a   XXXX   XXXX   XXXX   XXXX  Veteran that my only income is my   XXXX   XXXX   and  XXXX .   This also effects my military security clearance, which I will have for the rest of my life.

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 2017-01-19
Company: Navient Solutions, LLC.
State: FL
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:
XX/XX/1998 I attended XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL. A few years later the school closed and I have n't been able to find out if that school was actually closed due to fraudulent activities or not. I have student loans in which I am required to pay ; however, if the school is closed am I still responsible for these loans. Sallie Mae was my original lender. Any help would be useful. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Before going on vacation, I set my CitiBank credit card online account to pay my amount owed automatically on XXXX XXXX 2015. My bill of XXXX dollars was due the next day on XXXX XXXX 2015. When I returned from vacation on XXXX XXXX, I was shocked to see XXXX emails that had been sent to me on XXXX XXXX 2015 telling me my credit limits on XXXX cards that I hold with Citi had been significantly reduced XXXX XXXX card from XXXX to XXXX and the other from XXXX to XXXX dollars ) and the XXXX had been cancelled all together. I was also charged a XXXX dollar late fee and my APR was increased from XXXX to XXXX on my remaining cards. I called the company to complain about the situation and was basically told there was nothing they could do to help me. The representative did say he would ask them to remove the XXXX dollar late charge and any remark placed on my credit report, but they may or may not help me with that. I 'm sorry that their system was acting crazy when I tried to submit my payment and it might have not went through, but this being the XXXX time I have missed a payment deadline with them I would have expected them to call me ( seeing as they had my cell number already ) or send me an email ( since they apparently had that as well ). I am in disbelief that they could do this to a customer who has never missed a payment and payed more than the minimum amount most of the time for more than XXXX years. So basically, their website was acting up ( kept freezing up ) when I made the payment and I thought it went through and because of my error I triggered a credit downgrade, a huge credit APR increase, a XXXX dollar charge and a possible derogatory remark on my credit statement. By the way, I paid the entire XXXX dollars I was told I had to pay as the new minimum payment on XXXX/XXXX/15 ( the day I returned from vacation and saw the emails ). This from a company that had to be rescued by taxpayers just a few years ago for mismanaging their assets. I do n't think this is fair and it is abusive to consumers. I would appreciate any help that you could provide me. Thank You.

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: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a Best Buy store card through Citi that advertises a " no interest '' promotional period. First, it was not at all made clear to me that the interest still accumulates unless you pay the balance in full. Secondly, I had requested and received alerts regarding promo-balances coming to the end of their designated time periods. In XXXX, XXXX promotional balances came up without notice and my balance more than doubled ( over {$3000.00} in interest charges ). 

I ca n't imagine that they would have no obligation to actively notify me that I 'm about to incur a {$3000.00} fee.

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 2021-05-11
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never took out this loan my identity was compromised via the dark web in 2015 I had no idea about this until I started a XXXX XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Rewards

Complaint:
I opened a Citi / AAdvantage Platinum Select credit card late XXXX this year XXXX 2015 ). Citi told me to spend over {$3000.00} within the XXXX 90 days to receive a XXXX miles bonus. I spent well over {$3000.00} within the XXXX approximately two months, but the bonus never showed up. I contacted Citi Customer Service regarding the issue, but they told me that I was holding a similar credit card project before, so they could not issue the bonus anymore. When asked the details regarding the " other similar credit card '' that they stated I was holding, Citi refused to provide any information on that and told me to refer to the original welcome letter, which I was supposed to have received at some point in the past. I believe there was mishandling on my account regarding this matter. The representative was rude and not cooperative at all. Citi simply refused to provide information that they based their decision upon, refused to honor the claimed bonus in the acquisition offer, and left the consumer completely in the dark.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
A letter was sent on XX/XX/2021 addressed to Transunion requesting a free credit report. However, XXXX  failed to provide the report by mail. 

I have attached proof of letter sent to XXXX requesting the report. 
I have attached ID as proof of address and identification A letter was sent on XX/XX/2021 addressed to XXXX  requesting a free credit report. However, XXXX  failed to provide the report by mail. 

I have attached proof of letter sent to XXXX  requesting the report. 
I have attached ID as proof of address and identification A letter was sent on XX/XX/2021 addressed to Experian requesting a free credit report. However, Experian failed to provide the report by mail. 

I have attached proof of letter sent to Experian requesting the report. 
I have attached ID as proof of address and identification

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 2021-05-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
A letter was sent on XX/XX/2021 addressed to XXXX  requesting a free credit report. However, XXXX  failed to provide the report by mail. 

I have attached proof of letter sent to XXXX  requesting the report. 
I have attached ID as proof of address and identification A letter was sent on XX/XX/2021 addressed to Equifax requesting a free credit report. However, Equifax failed to provide the report by mail. 

I have attached proof of letter sent to Equifax requesting the report. 
I have attached ID as proof of address and identification A letter was sent on XX/XX/2021 addressed to XXXX  requesting a free credit report. However, XXXX  failed to provide the report by mail. 

I have attached proof of letter sent to XXXX  requesting the report. 
I have attached ID as proof of address and identification

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I am attaching a statement, but the short version is Citibank denied my credit increase based on an exisiting Payment Arrangement program - that they say I am enrolled in. However, they have no proof of that, and in fact XXXX of the staff that I spoke with agreed that I am not in any program and that my card is in good standing. After speaking with different staff at Citibank - I was told that " I must have had a debt charged off with Citibank, sometime in the past 36 months. '' However, they have no information about this, no dates, no amounts, nothing and they also will not provide me this in writing.

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 2021-05-11
Company: Avadyne Health Holdings, Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
These were XXXX records that both collection agencies failed to validate and didnt honor the law. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX H & R Accounts, XXXX XXXX XXXX, XXXX, IL, XXXX 1 mailed verified letter was sent to XXXX XXXX XXXX and received by them on XX/XX/21 asking them to verify the supposed debts ( accounts XXXX, XXXX, and XXXX ). After 30 days I didnt receive a letter back so I filed a dispute with XXXX and only account XXXX was deleted, which was the lowest amount totaling {$240.00}. I believe this was done because all 3 letters were sent in 1 envelope and they could easily discard the other 2 letters and likely claim they only received 1 letter in the envelope. The other 2 accounts were only updated as a result of the dispute with XXXX. I verified mailed letter was sent to H & R Accounts and received by them on XX/XX/21 asking them to verify the supposed debts ( accounts XXXX, and XXXX ). After 30 days I didnt receive a latter back so I filed a dispute with XXXX and only account XXXX was deleted, which was the lowest amount totaling {$110.00}. I believe this was done because all 3 letters were sent in 1 envelope and they could easily discard the other 1 letters and likely claim they only received 1 letter in the envelope. The other account was only updated as a result of the dispute with XXXX. 

I do have the receipts to confirm that the letters were verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
Company: I.C. System, Inc.
State: AR
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: Was not notified of investigation status or results

Complaint:
This company said that they sent their response directly to me and provided a copy to the CFPB, this is false. I have not received anything from them or the CFPB. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA and need this account deleted.

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 2015-09-01
Company: Solidus Group LLC.
State: NM
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Company continues to call after being asked NOT too, harrasses, uses vulgar language and name calls, impersonates police officers and state authorities, makes false claims about opening criminal cases for not paying debt. Caller has never validated debt by mail or by phone, and will not allow caller to submit identity theft paperwork or police reports to their office. multiple callers will get on the line and shamelessly bash you into the ground.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: DISCOVER BANK
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
There is a mistake with my account because I have always made on time payments since I opened my account in XX/XX/2017. Then something happened where my payment was made from the wrong account that was clsoed and i updated it right away. This dropped my credit score a lot and I am asking for a one time courtesy to pelase remove the late payment because I paid it right away when I found out the mistake.

Company response to consumer: Closed with explanation