BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-09
Company: EQUIFAX, INC.
State: CA
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:
My personal information was exposed in Equifax 2017 Data Breach. I checked my Equifax credit report and I see fraudulent inquiries. Equifax has not removed these inquiries after sending numerous dispute letters to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My wife and I arrived home on XXXX XXXX to discover a telephone message from a " Debt Collection '' agency had called and insisted that I should call them back immediately. My return telephone resulted in being transferred to several departments with no human intervention. Subsequently, I XXXX the telephone number XXXX XXXX XXXX XXXX and discovered that the number belongs to the " AmSher XXXX Collections XXXX. '' I also discovered from the numerous comments online that its aggressive tactics are to badger the individual into paying " old debts, '' real or imagined. LET ME BE PERFECTLY CLEAR : ( 1 ) our credit score has consistently been XXXX for the last five+ years ; and ( 2 ) there are no outstanding old debts ( real or imagined ) from any bank, mortgage lender, credit cards, etc., for the last XXXX years -- period! I have no intention of allowing this scam company to extort me for any moneys. I need to determine how/what can be done to stop these harassing calls and to ensure that this " XXXX '' does n't end up on some credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax reporting a balance due on XXXX account as {$390.00}. The account has been settled and has been PAID OUT. This was reported on XX/XX/2021. The account balance should be reported as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Experian Information Solutions 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:
Account XXXX You are still reporting this trade line. You have mentioned on the current trade line with Experian that the date of last payment was made XX/XX/2014, therefore, not XXXX other payment was made according to this report. Furthermore, the date of first delinquency would be 30 days later or XX/XX/2014. If this is the case, this account is now 7 years past the date of first delinquency as therefore by law it must be deleted immediately. 

If I am seeing something different from you, please provide the date of first delinquency and why you have come up with this date. 

In addition, you are also reporting the date of last activity being 14 months after the last payment was made! I am not sure you know what is reporting at this time, I also debate you have accurate records, otherwise this account would be 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 2017-01-19
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My relationship through Navient was a constant source of XXXX in my life. I contacted Navient several times in order to determine whether my loans were eligible for reduced payments without going into forbearance. I was told that because I was not residing in the US that my loans were ineligible for income based repayment, for both Federal Student Loans and Private Student Loans that were consolidated at an exorbitantly high interest rate, 8 %, in XXXX. We were advised ( threatened ) that interest rates would go up even further so consolidation was the only viable option. I was neither able to renegotiate later when interest rates went down dramatically nor re-consolidate at a lower rate. When I gave XXXX in XXXX and was subsequently XXXX, I communicated with the lender and was told I could defer payments and then was sent a bill for the months missed with compounded interest. When I was able to pay extra towards my loans, in XXXX, it was never put towards the prinicple. 
My loans were handled in a vile fashion. I never felt represented or helped, only taken advantage of and XXXX at every turn. We depleted our family savings in order to get this repulsive agency out of our lives every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: Experian Information Solutions Inc.
State: DC
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:
XXXX XXXXL Auto Financing XX/XX/2020 Experian XXXX XXXX XXXX Auto Dealers, New XX/XX/2020 Experian XXXX XXXX XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/2020 Experian XXXX XXXX XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX AUTO FIN Auto Financing XX/XX/2020 Experian XXXX XXXX Auto Dealers, Used XX/XX/2020 Experian XXXX XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX Auto Dealers, Used XX/XX/2020 Experian XXXX CREDIT/JONES XXXX XXXX XXXX, Used XX/XX/2020 Experian XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX ACCEPT Auto Financing XX/XX/2020 Experian XXXX XXXX AUTO FIN Auto Financing XX/XX/2020 Experian XXXX XXXX XXXX XXXX, Used XX/XX/2020 Experian XXXX XXXX XXXX Mortgage Companies XX/XX/2020 Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2017-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
AS INSTRUCTED BY XXXX CONFIRMATION RECEIPT, I CALLED TELEPHONE NUMBER GIVEN XXXX ON XXXX XXXX, 2016 UPON ARRIVAL AT XXXX XXXX XXXX, ( APPROX XXXX ) TO HAVE SOMEONE PICK ME UP TO GET THE CAR RENTAL IN NERABY PROXIMITIES. I WAS INFORMED BY REPRESENTATIVE WHO TOOK THE CALL THAT THERE WILL BE AN EXTRA CHARGE OF {$17.00} PER DAY TO THE EXISTING RESERVATION BECAUSE THE PICK UP WAS SUPPOSED TO OCCURR AT XXXX. I EXPLAINED TO REPRESENTATIVE THAT I HAVE NO CONTROL OF FLIGHT DELAYS AND CUSTOMS DETENTIONS W/ THE LUGGAGE. HOWEVER, IT APPEAR THAT YOUR COMPANY IS CARELESS ABOUT THIS DELAYS PROCESS AT THE AIRPORT. IT WAS NEVER INFORMED TO ME THAT I WAS GOING TO BE PENALIZED FOR THIS. I SAID THEN THAT IF EXTRA CHARGES WERE GOING TO BE APPLIED TO MY EXISTING RESERVATION WITHOUT TAKING IN CONSIDERATION THE DELAYS OF THE FLIGHT, THEN I WILL NO USE THEIR SERVICES. I WAS NOT INFORMED OF ANY CANCELATION FEES AT THE MOMENT. MY POINT IS THAT I DID CALLED TO HAVE SOMEONE PICK ME UP AT THE AIRPORT TO GET THE CAR AND YOUR COMPANY DECIDED TO PENALIZED ME FOR THE DELAY SO I DECIDED NOT TO USE YOUR SERVICES.

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 2017-01-18
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My workplace has instructed Navient to cease calling my work, and so have I personally told them to cease calling my work place to attempt debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I am receiving calls at XXXX XXXX from navient, however their website states that they close at XXXX and they are calling at XXXX. These calls come from different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My name is XXXX XXXX XXXX XXXX. am a XXXX and also XXXX at the XXXX for the Department of Defense. I am retired XXXX from the XXXX. Six years ago we asked Bank of America and XXXX XXXX to help us secure a loan so that we could finance XXXX XXXX to help with the Affordable Care Act. Both banks denied us a loan several times over the past six years. We asked for a loan from these XXXX banks because we have had accounts with them for many years and the B of A held the mortgage for our home. Now the Bank of America without our knowledge sold the mortgage to XXXX. In 2014 Bank of America lost the legal case they had with Department Justice, so in return they offered us a re modification on our loan. They broke the law again by hiding our monthly payments so that we could be considered late. We have paid our mortgages every month. They put this misinformation on our credit report. Secondly they put a lien on our house, which is a subordinate loan. We would hope that you would tell our story when talking about breaking up the Banks. 

XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have additional information on an open complaint number : XXXX. Wells Fargo failed to auto pay my VISA credit card account as outlined in the current complaint. On XX/XX/2021 they added an charge for interest on the balance they claim to be outstanding. I would like my complaint numbered XXXX to be updated so the resolution desired includes the reversal of the charge for interest on the alleged balance.

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 2016-03-09
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
XX/XX/XXXX, my ex boyfriend, took a school loan for truck career driving and he needed a co-signer. I refused and he asked me to speak with the career trainer at the school. I spoke with him and again told him no. The following week, my ex, told me that he was approved for the loan and going to school. I asked him how did he manage to do this without a co-signer and he said that the school didnt need me to sign anything that they would use my name as a reference only. I did not know that my ex, the father of my XXXX children, had literally lied and forged my name. He knew my name, dob, address, place of employment and social security number. 
Well, the first year of this loan ( he used my address for his mailing correspondence ), he stated he only had to make XXXX payments per month. He would ask me to make the payment by mail for him and he paid me back. Well, the second year came around and now he was receiving mail constantly from Sallie Mae and then I started to receive phone calls at my residence and they were asking for me, I couldnt believe it. I picked up the phone to find out that I was the co-signer. I tried to explain and they wouldnt hear it. I found out he was seriously past due and that they were gon na take me to court for garnishment because of course they cant find him and no place of employment. Thats because he is XXXX and even the IRS is looking for him for fraudelant tax returns for XXXX XXXX. Georgia dept of revenue is looking for him as well. I have been making the payments of XXXX a month for last 5 years and still owe XXXX dollars. I have had my place of employment for 15 years and my home for 12 years and they come after me because he is gone. He has fled to XXXX XXXX and refuses to help me with this nightmare. It isnt on his credit report as bad debt it is on mine and will remain till XXXX. Are u serious??? Please help me with this. I have tried to talk to them about this being a fraud and they just blew me off. Because of him being late and not paying, the amount due today, which is 8 years later, is the amount of original loan. I will not be done till XXXX and I feel that Sallie Mae or XXXX, isnt gon na help me at all. I have asked them for loan documents and they state I can get online, but when I double click on the loan documents there isnt anything there. I have never seen the loan documents only the invoices. I was told I am screwed because of cosigning, but i didnt cosign this loan. Also, my ex has told me that the school is no longer open, went under. I dont know the name of the school.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
bank of America issue me debit card with number, I was paying my bills with it, I got my wallet stolen at the lake, I call the bank an was issue a new card an anew number, XXXX came into my account on my first debit card number an took out XXXX which I did not owe that amount an I do not have a direct deposit with XXXX, how did the bank allow this on my new card number, i call a lawyer an he said that 's agood question I got some of my money back but XXXX took out a another month in a advanced payment an change my programming pkg, now I pay more for less tv, an XXXX told me on phone if I did n't give them the new code number on my debit card they would cut my service off, so I had to borrow money to get me thu till next payday, iam very upset with this bank an XXXX, i will be switching banks, merchants has more rights than me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I 'm receiving absolutely no assistance from the credit bureaus and I really need some help. I 'm specifically stating my disputes and I 'm receiving the same result each month when I am clearly pointing out where they are inaccurately reporting my accounts. HOW can they be verified when I am looking right at my credit report and getting the information from there? Please see the attached letters which clearly state where they are wrong. I need someone to help me because this is exactly why the FCRA was enacted - to protect people like me from people like them who do n't give a crap about anything and blatantly and willfully violation the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BBVA chose to transition all Simple banking customers on a Saturday. They were ill-prepared and have locked most users out of their accounts for over 36 hours now. They closed down customer service phone numbers and when they opened one back up they're now having " technical difficulties '' with their lines and they either can not hear you or you are automatically disconnected. 
There is no recourse. Apparently we have to wait to see if and when we will gain access to our money/accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I have no idea what to check ..I paid GC services and they havnt callled XXXX court to release the hold on my license so I may go back to work. I paid them XX/XX/XXXX..they said 10 working days.It 's been passed that and I 'm still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have been a AAA VISA card holder since XXXX. Outstanding balances were always paid on time. In XXXX XXXX a BofA rep called me and, giving my frequent foreign travels, urged me to take a XXXX VISA card. This XXXX Card was issued the same month to me. On XXXX XXXX this year I informed XXXX that I would be traveling for one week to XXXX XXXX. They put a notice in their records. After arriving in CR I realized that both XXXX cards were refused when I tried to pay with them. I called XXXX, and after being referred to various agents who could not tell me what was wrong, the fourth agent finally told me that the accounts of both cards had been closed on XXXX XXXX and that I should have received a letter in the mail informing me about the closure. But she did say that BofA would not tell me the " Business Reasons " for the closure. Luckily my hotel accepted my XXXX Card which many merchants did not do. 
Upon my return to the US I went to a BofA Branch, I keep a checking account there with substantial balances, and they informed me that my Debit Card had also been closed. They were at a loss why this was done but then handed a copy of the letter to me which seems to be somewhere in the postal system which reads " This letter is to advise you that your above referenced account has been closed because your risk profile no longer aligns with the bank 's risk tolerance. '' By the way my outstanding balance on the Visa accounts to $ XXXX It also informs me that reward points associated with the account would be forfeited. 
The Branch Manager reiterated that Bank of America could not give further explanations for the closure but urged me to contact XXXX to check my Credit Rating and thus find the answer for the closure of my VISA accounts. After checking with XXXX I learned that my Credit Score is XXXX, A, as of XXXX XXXX, that there was nothing delinquent or derogatory. 
To be kind, I find BofA 's behavior bizarre, there seems little interest in good clients.

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 2017-01-26
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have repeatedly been placed in forbearance when I asked about {$0.00} payment plans which has caused interest to accrue on my loans to over {$50000.00} on loans that were not nearly so high. I need help with these people. They call and call and call and call but wo n't give me the information that I need for income based repayment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: Experian Information Solutions Inc.
State: CA
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:
There are accounts an address, and inquiries listed on my credit report that do not belong to me. Please remove them. 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 2015-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I requested that Bank of America ( BOA ) remove the PMI for the past three years and they declined me each time. Each time my request was denied eventhough my equity or loan-to-value amount met the requirements for the removal. Recently, my loan matured to greater than XXXX yrs old and I requestd for the XXXX time that BOA remove my MPI in XXXX in which BOA said that they would look into it. BOA never removed my MPI and in XXXX they sold my loan to XXXX Mortgage company. XXXX is now in process of removing my PMI. However, BOA repeatidly ignored my request throughout the years. Recently, my loan was tenured enough and value high enough to meet the removal. Also, I have never missed a payment. This has cost me additional fees throughout the years since my PMI should have been removed in XXXX I have since pay a PMI for an additonal XXXX months. My MPI is about {$80.00} a month. To a middle class family {$400.00} is a lot. 

Also, I think that it is unfair that BOA sold my loan. I believe that this is a form of discrimination. They were aware that I was refinancing and wanted my MPI removed. I think that they sold my loan to another creditor because of these factors. This is a bad banking practice which is horrible customer experience. This process delayed me from getting refinanced. This is also unfair to other creditors that purchase loans like mine and later take a financial hit while the bigger bank get rid of customers that have rated them low throughout the years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BBVA bought out my bank SIMPLE BANK, and transitioned my online services on Saturday XX/XX/2021, ( XX/XX/2021 ) this required me to set up a new sign in ID and Password, after attempting to do so, I was locked out of my account. after trying to connect with their costumer service as advised XXXX XXXX XXXX XXXX XXXX I was repeatedly hung up on, and have received no further assistance.

Company response to consumer: Closed with explanation