BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card
Issue: Other

Complaint:
AAA Financial Services ( Bank of America ) account - I had a balance transfer of {$3400.00} on XXXX/XXXX/15. I paid the balance of {$37.00} on XXXX/XXXX/15 before the due date XXXX/XXXX/15. The balance was {$0.00} but I received a statement for {$15.00} interestwhich I paid ( XXXX ) on XXXX/XXXX/15. I closed the account ( XXXX ) on XXXX/XXXX/15. I requested a final statement showing the {$0.00} balance and that the account was closed on XXXX/XXXX/15. On XXXX/XXXX/15 ( Georgia ) I called again because I had not received the final statement and documentation that I closed the account. As of XXXX/XXXX/15, I have not received a final statement nor the documentation that theaccount is closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have noticed many incorrect and unauthorized items appeared in my report. I have sent letters to them but was never received any response from them. I felt I am being taken advantage and at the same time being ignored.

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 2017-01-29
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My Student Loans Are Serviced through Navient. I am currently in default and wage garnishment, because they have offered me nothing but interest-increasing repayment options, an their desired monthly payments are never within reach for me to pay. Even after I fully detail my finances to them, including medical expenses which I dont think is their right to ask about, they still manage to make the payment XXXX dollars more than I can afford. They have also illegally practiced the collection of my debt, at first using threats, then combining those threats with more abusive language, calling me illegally, calling before XXXX an after XXXX, and sometimes even after XXXX. They have refused to let me switch service agents when the ones I have used were rude, and they still call me harassing me even while they continue to garnish my wages. I paid over XXXX in interest alone this year because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
In XXXX, XXXX I had a credit card balance with Bank of America ( " BoA '' ) of {$1300.00}. I paid the balance in full with a representative over the phone. Please see attachment XXXX When I told the representative I wanted to pay the balance in full, I was not warned that I would incur interest or other charges from BoA again at a later date -- I assumed that paying the balance in full meant that the balance was being paid in full and I did not use the card again after that. Unfortunately, in XXXX, XXXX BoA charged me interest on that the prior balance -- I have since learned that it was incurred before it was paid over the phone but had not yet been charged to me at the time I paid the account in full. Because I thought I had paid the card in full in XXXX, XXXX it never occurred to me to log into my BoA credit card account and check for an existing balance on the card again. The interest charged was a very small amount of {$5.00}. Because I was not contacted again by BoA to be made aware of that interest, I was not aware of the balance and it went unpaid until XXXX, XXXX when BoA charged it off and set my account balance to {$0.00}. Please see attachment " B ''. 

Attachment B shows that since XXXX XXXX -- for almost two full years -- my account with BoA has had a balance of zero dollars. Despite this, I have recently learned that for the last ( nearly ) two years, BoA has been reporting my account as negative and " failure to pay ''. In the 21 months since BoA charged off the account, the account has continued to reflect a balance of zero every single month. For those 21 months, I never received any statements or other correspondence from BoA to alert me that the company has been damaging my credit by reporting each and every month that I have not paid on the account but that is indeed what has been happening. Please see Attachment " C ''. 

The account was closed in XXXX. The entire ( albeit, small ) balance was charged off in XXXX, XXXX. The statement from XXXX, XXXX reflects {$0.00} due. From XXXX, XXXX through today, XXXX, XXXX, BoA had been reporting the account unpaid to each credit bureau. BoA 's actions are unfair, abusive, and in conflict with the Fair Credit Reporting Act. Accordingly, I respectfully request that BoA contact each of the credit bureaus to which it has been negatively and incorrectly reporting my account as unpaid and that BoA promptly erase the negative and erroneous reports from the last 21 months. I further request that BoA send me written correspondence confirming that said actions have been taken. Thank you.

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 2015-11-03
Company: AFNI INC.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
debt is not mine had it remove before and they re age the debt so it show up credit report as a new debt and reporting a date of open of XXXX XXXX 2015 and the debt should have a later date then that

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: Nationwide Biweekly Administration, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hi. In the late XXXX of the year 2015, I received a letter from Nationwide Biweekly Administration , Inc. ( NBA ). They offered me a program called 'Interest Minimize '. I agreed to cooperate with NBA and process my mortgage payments thru them. There were XXXX ( XXXX ) electronic charges made by NBA from my checking account ( XXXX XXXX XXXX ) in XXXX and XXXX in the amount of {$1000.00} each. But, there is no money was transferred from NBA to my mortgage company called XXXX XXXX XXXX XXXX. My due date is XXXX/XXXX/2015. Please help! Please let me know which documents need to be provided.

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 with explanation
Consumer complaint received 2016-12-18
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
i recently had a fraud alert in place. i ordered a credit report and noticed there were many things included in that report that were not authorized by myself. I later disputed the items they were all removed ( XX/XX/2016 ) and then days later they were added back ( XX/XX/2016 ) i tried speaking with the company ( Equifax ) as well as faxing them supporting documents they refuse to admit they were at fault and told me to start the dispute process over ... ... it is not fair to me that once successfully completing the dispute process and getting the results craved that the company adds them back and without any reason and or written notice ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: AFNI INC.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX is stating the debt is still showing in my credit history. AFNI stated they have contacted the creditors to have it removed. 

Previous attempt to have it removed Case number : XXXX AFNI said : Explanation of closure On XXXX XXXX, 2016, Afni received tis complaint. This was Afni 's first contact with the consumer. In response, Afni initiated an investigation. On XXXX XXXX, Afni sent another request to the credit reporting agencies to remove the account from the consumer 's credit report. Afni trusts this has resolved the consumer 's concerns. Since the account is no longer in Afni 's office, the consumer should contact XXXX if he would like to discuss the account further.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: AFNI INC.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
AFNI Inc. Reported a debt they state I owe to XXXX on my credit and on my fathers credit. 

My father ajd I filed a complaint with the state AG office and in turn XXXX contacted us and we were told by a XXXX representative that neither he nor I owe the debt that AFNi is collecting and that they have no record of a debt in my name or my fathers being sent to AFNI. I filed Bankruptcy in XX/XX/2016 and a debt from XXXX was included in the bankruptcy. Oddly enough AFNI reported this on my credit after i had filed. They also violated my automatic stay by contacting me by mail after i had filed. 
We belive this debt to be fraudulent. As XXXX has no record of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear CFPB, I am trying to resolve a credit reporting issue with Equifax concerning a negative item that appears on my Equifax report. This is a XXXX utility account that shows a balance and is being reported as a closed account and in collection. I spoke with a CS Rep. named XXXX, and regarding our conversation, this company refuses to verify the debt as due and owing by I, XXXX XXXX XXXX. It appears to be reporting as XXXX tradelines on Equifax. As noted on the report, this account is under dispute by consumer and reinvestigation is in progress. When a investigation of an account is in progress and a consumer is disputing an item on their reports, the CRA is to give the consumer whether via email, if preferred or in writing via regular mail, give a status update as to how long the investigation will take. I have not received any such accomodation from Equifax. As per the FCRA, the the CRA is reponsible for accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: Nationwide Biweekly Administration, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had just bought a house back in XXXX 2015 my mortgage is with XXXX XXXX Co. I was contacted by a Co. called National Bi-weekly Adminstration and was told that their co. was a part of XXXX XXXX and that they could save my thousands on interest payments by making bi-weekly payments my house, payments are due on the first of every month, now they deduct half of the payment every two weeks and the other towards the end of the month but they do n't make the actual payment until sometimes on the XXXX of the month that the payment is due I have been trying to contact this company for the last 2 months to cancel the automatic deductions because they are destroying my credit that has taken me years to build and all I get are recordings and never able to talk to a live person I came across the complaint that was filed against this company and that is why I am trying to contact you today could you PLEASE help me with this I am not sure what to do at this point, because they keep deducting money from my account, I am in the process of alerting my bank to have them stop the deductions at this time, but that process has not been put through yet, this company lied to me about everything its a shame that companies like this cheat honest hard working people again can you PLEASE help me. Thank You Very Much!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: AFNI INC.
State: TX
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:
Debt collector, AFNI, has not provided verified evidentiary proof of indebtness from the original creditor, XXXX XXXX XXXX within 30 days of my original dispute submitted on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
During a recent review of my monthly statement I recognized several unauthorized charges from the XXXX XXXX which were supposedly initiated by my XXXX. I immediately notified Regions Bank of my findings. Because of past experiences regarding a lack of follow through on the bank 's part I declined to initiate a dispute of the charges and instead contacted XXXX myself. I was able to request a refund for all of the purchases. The refunds totalled approximately {$450.00}. I placed a follow up call to Regions requesting a refund for any overdraft fees charged as a result of these unauthorized purchases. I was given a blatant " no '' by both the CSR and her supervisor. I do n't feel that I should be charged overdraft fees for purchases which were refunded especially since I had to pursue the unauthorized charges myself to get any true resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-29
Company: AFNI INC.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notice on a debt in the amount of {$82.00} for a XXXX account when I had only been with XXXX for a month prior to getting this collection notice. I called XXXX to verify the amount in question. I was told by them that I am NOT delinquent on my account nor have I ever been delinquent on my account. Further more XXXX did a search using my SSN and again could not find any delinquent accounts or amounts in my name or SSN. Not to mention since we switched over to XXXX two years ago we have paid our account by direct bill pay from our checking account. I have tried calling and talking to this new collection agency to verify this debt and they do n't seem to have any answers to assist me in this matter. I only have gotten that I owe this amount and demand payment. Since my wife and I wanted to refinance our home we received this collection notice. However in dealing with this issue in the past they have now added my wife 's name to the collection notice. However in doing so they have refused to talk to her about this issue. Even though she is listed now on this new collection notice that is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a Bankruptcy on my Experian report previously disputed. I've contacted the XXXX XXXX Colorado in which provided me with information stating they have never shared information or put a bankrutcy on my report. XXXX XXXX reports as the Banruptcy court which is an inaccuracy and a violation Please remove this item as it is not mine. Thanks

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 2016-06-09
Company: U.S. BANCORP
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Us bank allowed my now x- husband to resign a loan on our house without me beigining there and he was able to forger my name and my co worker, which is was convicted of forgery for it and forced me into bankruptcy when I tried to do a charpter XXXX they would not work with me because of him. 
they filed nothing on my x husband and I have to file the charges and now they have put it on my credit report and it should not be there, 1 - I filed bankruptcy on them 2- they allowed to forger my name I was told to contact you to get this removed

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 2015-12-04
Company: AFNI INC.
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 is not mine

Complaint:
Trying to collect a debt for XXXX XXXX account which I successfully challenged back in 2013. XXXX attempted to collect a debt but was actually revealed to have over billed me and ended up sending a refund payment of XXXX dollars to me in this matter. This is a bogus debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have contacted Fair Collections & Out many times to dispute this account that they are reporting on my credit file. To date, they have not provided me with proof of this account, nor have they responded to the Fraud Affidavit that I submitted to them. They have deliberately violated the FCRA in not responding to my request and in reporting information that do not belong to me.

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 2016-03-11
Company: Resurgent Capital Services L.P.
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Creditor is calling my place of employment several times a week sometimes several times in one day and I have asked them to not contact me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: MRS BPO, LLC
State: CA
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:
Upon receiving the right to dispute, I sent a letter certified mail within the 30 day period asking to verify the debt. I received no communication from the company and the debit was added to my credit rating, thus bringing down my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-22
Company: Real Time Group, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
A credit report was requested and Real Time Resolutions was reporting an account opened and currently past due. I requested several things directly from Real Time after disputing with the bureaus and this was not resolved. I am sending a copy of the letter that was sent to them along with their response. What was requested was not a print screen but complete information. Their response is unacceptable as I 'm sure anyone would agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2016 Plaintiff accepted {$47000.00} in XXXX funds to fully cure Homeowner 's reverse mortgage arrears for unpaid taxes and homeowner 's insurance. Prior to this payment, XXXX 's home was sold at a foreclosure sale on XXXX XXXX, 2016. The purchaser of the property was the mortgage lender, XXXX. After the sale lender and the State of Florida entered into an agreement whereby the lender agreed that in exchange for full payment of XXXX funds to cure homeowner 's arrears, including all fees and costs, lender would vacate the final judgment, reinstate the loan and rescind the foreclosure sale, restoring title to Defendant. Notwithstanding, lender now seeks possession of the subject property and is intent of dispossessing homeowner of her home

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-02
Company: Real Time Group, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have received multiple phone calls and one letter from Real Time Resolutions attempting to collect an old credit card debt from approximately 14 years ago. The statute of limitations in the state of Oregon is ten years. They continue to run my credit score affecting it. Despite a few attempts to explain to them that they are in violation of Oregon law they persist in their illegal harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: ARVEST BANK GROUP, INC.
State: MO
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Arvest Bank charged me a {$10.00} late fee when I was only under {$6.00} on my payment and it was actually not late. It was received well before the due date of the XXXX of XXXX. I have since been unable to reach any representative to get the {$10.00} fee waived. I have been put on hold multiple times for over XXXX minutes each time in an attempt to reach a specific person who might be able to waive the fee but it was never promised that it would be waived. The reason I bring it up is because there have been XXXX separate occasions where representatives stated that since I paid ahead by several months ( I pay {$200.00} a month when my payment is {$160.00} per month ) I could pay whatever I wanted even if it was under the monthly payment of {$160.00} and I feel that the bank representatives have misrepresented the information to me as a consumer.

Company response to consumer: Closed with explanation