BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: MS
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 HAVE FRAUDULENT INQURIES ON MY CREDIT REPORT AND I WOULD LIKE TO HAVE THEM REMOVED IMMEDIATELY, 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 non-monetary relief
Consumer complaint received 2022-02-26
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today I received an alert from XXXX XXXX that I have a collection reporting on my credit report. 

I don't know anything about this debt. The debt collector never reached out to me, instead they put a medical collections on my credit report. Plus it says date of service was in XX/XX/2021, I was in XXXX, XXXX. 

This debt is bogus and I wasn't provided anything to verify this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Bank of america started an application for my home refinance. At the time of application my FICO was XXXX. They told me that XXXX of the delinquencies of a small $ amount due to miscommunication with XXXX of my lenders while as I was out of country was told to me as a non issue as long as I could provide a letter explaining the delinquency. In the process of lending, after the appraisal was done, the originator of from Bank of America suddenly asked the letter to be sent by the lender who had this delinquency. They changed requirements in between. More importantly appraisal showed significant equity in the house and my FICO is good. Originator from Bank of America abruptly stopped the deal. This led to waste of my appraisal cost. Also, I think this is a case of discrimination given after he received information on my race and nationality, they decided to flip on original decision. Would like to formally complaint and would like to seek damages in the amount of at least $ XXXX ( net present value of money I would have saved by refinancing at lower rate ) and appraisal cost of {$500.00}. 

Thanks! 
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
During the housing collapse where consumers were getting encouraged to take out illegal loans, I purchased a home with a countrywide mortgage. It was a first and second mortgage. 

Bank of america strategically sold my first when it was announced that they would have to modify the existing loans. That left me unable to combine a 1st and a 2nd mortgage. My second mortgage was XXXX at 8.825 %. I have been paying for 10 years and the principal is now {$38000.00} while never missing a payment. bank of America has received {$33000.00} in interest. I need help getting a new interest rate or modify this loan

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 2016-06-24
Company: Trident Asset Management, L.L.C.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A debt appeared on my credit report over a year ago. I was able to get it removed from my XXXX Report, but not from my XXXX or XXXX. The debt does not belong to me, it is reported to be from XXXX, which I have never had an account with that went overdue. The only XXXX account I have ever had was closed back in 2012 and was in good standing. I was never notified by XXXX about any debts that I owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26
Company: Affirm Holdings, Inc
State: OH
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:
In XX/XX/XXXX, I noted charges in an updated credit report that I did not make or authorize. After contacting Affirm directly, I was notified that there were XXXX active loans in my name. On XX/XX/XXXX I opened a complaint notifying Affirm of the fraudulent activity. On XX/XX/XXXX, the account information was updated to my phone number and email to prevent further access and loans. The same day, Affirm sent loan verification documents that indicated XXXX prior loans that were either paid off or cancelled. Again, I have never authorized ANY loans through Affirm. On XX/XX/XXXX, I communicated with XXXX and XXXX XXXX, the XXXX companies that provided merchandise for these loans but was told that I could not get information on the items purchased as the accounts were not in my name ( through those companies ). On XX/XX/XXXX I filed an XXXX Complaint. On XX/XX/XXXX, I was notified that XXXX of the loans with XXXX was written off on the amount of {$3200.00}. During this time, I also disputed the charges with all of the credit agencies. On XX/XX/XXXX, Affirm requested additional information which was provided. This same information was requested again on XXXX and was provided the same day. On XXXX, Affirm validated the debt and I called them again to report this as fraud. I was asked again for additional information which was provided. On XXXX, I received communication that the case was being escalated. On XX/XX/XXXX I was asked to completed an affidavit, which I did. The same day, I received a response that I was still responsible for the loans I did not take or authorize. This is despite showing that the last loan was taken out for XXXX Guitars and the items were not even shipped to my address. On XX/XX/XXXX I received notice that the second loan in the amount of {$700.00} was charged off. In consultation with my XXXX XXXX, I subpoenaed the account history including signature page for any and all loans, date of Affirm account being opened, name ( XXXX ) on account, phone number/email/address/any other contact information on account, payment information and any other account details on account. On XX/XX/XXXX I received a message from Affirm indicating they would not release information to a third party ( would not comply with my subpoena for records ). My estranged husband opened these account without my knowledge or permission and I am trying to prove that in court. As a creditor claiming I owe a debt, they are legally required to provide me this documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America I have noticed holds charges then submits to charge overdraft fees, example, I would use my debit on the XXXX for a burger and fry at XXXX, that transaction will hold 3 days then when account low, I become negative and they charge me, all my transactions are never in order.I was once charged a XXXX charge.I also filed a claim on a XXXX charge that wasnt r ight, I won it, recieved a letter stating its permanent for the bank to try and take it back out of my account and charge overdraft for it.Bank of America will hold transactions to charge fees.On XXXX I woke up and my bill pay went through, its XXXX, now at XXXX I go to the XXXX and buy XXXX $ eorth of stuff, you put yhat transaction before the bill from when I eoke up, so u can charge a fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I haven't receive my activation code or any information from the Equifax Data Breach Settlement regarding the credit free credit monitoring I selected on XX/XX/2020. I was also given a submission code too. 

I reached out to the Equifax Settlement Administrator via online, email and phone on XX/XX/XXXX and again in early XXXX of this year. But no response at all. 

This is very unprofessional especially since my information was breached on Equifax. 

It seems like Equifax has lied to me by promising that free service if you select it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My first card was mailed XX/XX/2022 and I never received it. On XX/XX/2022 at XXXX I requested a replacement card be expedited and was told I would receive the card in the mail by XX/XX/2022. The website stated my card would come in XXXX days but customer service had no definitive information regarding the card at all. I do not have access to my funds and it has become a burden to live without income. I can not pay my bills, or buy groceries. This is unfair to me and anyone else experiencing this. Card holder services US Bank Reliacard not having answers or solutions is unacceptable.

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 2022-07-07
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit Management XXXX XXXX XXXX Ive asked each company to stop calling this is harassment and I would I like any debt it say I owe cleared however each company shows written off on my report and they are still trying to collect extra money from me after they have already reported the amounts as a lost to the IRS this is tax fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
i have been dealing with an identity theft crisis and have been trying to get this fixed for months. there are multiple accounts appearing on my report that do not match my personal records. i have sent in many reports about these concerns and there has been little to no action taken. there are 2 XXXX   XXXX XXXX XXXX. 1 opened in XX/XX/XXXX and 1 opened in XXXX of XXXX the other one is a XXXX XXXX   dealer XXXX  opened in 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 explanation
Consumer complaint received 2022-07-07
Company: Quality Recovery Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was called several times, the debt collector was being extremely rude then also attempted to impersonate, lawyer on the next couple of phone calls!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase Support is Incompetent I requested my account be placed on security hold because I had experienced ID theft. The institution correctly placed the security protocol on my account. 

In my attempts to then regain access after replacing my SIM card and changing all my passwords, etc. The institution was consistently unresponsive ( multiple emails requesting assistance, refused to accept valid goverment photo ID, and continued to tell me I needed to wait to be contacted by email. 

On XX/XX/2020 i spoke to a supervisor and I was told I would be contacted to unlock my account and that I would need to provide a Drivers License. That I had no choice but to wait to be contacted by Coinbase. 

Unfortunately, Coinbase without contacting me disobeyed numerous internal security protocol and unlocked my account. Resulting in my funds being accessible without my knowledge or consent. 

Dont use Coinbase

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
I was supposed to receive XXXX free miles from my XXXX Mileage Plan credit card. Bank of America ( BofA ) denied me from having these free miles because I did not spend over a thousand dollars within three months. I had spoke to different people from Bank of America within those months, and they had stated to me that I had spent over a thousand dollars. They also stated to me that they would look into my account to see about a line of credit increase, and they never did. Today I had employees and supervisors mock me on how I spoke. They tried to belittle me by yelling at me and stating that I need to do a better job of reading my contract. The last person that I spoke to laughed at me when I tried to explained to him the seriousness of this problem, and he would not hangup so I can use my phone. When I tried to talk to him he would not say anything but I can hear him breathing.

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 2017-02-03
Company: Army and Air Force Exchange Service
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This is for an AAFES credit card for a debt from 2008 in which they did a wage garnishment from my husbands XXXX XXXX pay for over {$10000.00}. Now they are saying we still owe {$25000.00} for interest that accrued during the time that the garnishment was being paid. I sent them a letter along with a copy of my husbands orders and a Powers of Attorney in XXXX stating that my husband is currently XXXX and falls under the XXXX as AAFES has now turned the debt over to a 3rd party debt collector called XXXX XXXX XXXX . I just a got a letter today called a Notice of Intent to Initiative Administrative Wage Garnishment Proceedings ... .threatening to garnish my husbands wages again! When will this end and how can they garnish a soldiers wages when he is 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 explanation
Consumer complaint received 2022-02-26
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citi bank closed my account out the blue after I got my tax refund! Before I got my refund I was using the bank just fine! Now they are saying they can't talk to me about my own money as if I don't have kids & bills! I want my money back! I should not have to wait 60 days to get my money back!!!!!!!!! That is not fair to me & my kids!

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 2016-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had an equity loan with Bank of America that was paid off on XXXX/XXXX/16. I have requested NUMEROUS times for them to send me an accounting of the figures closing out the loan. I believe it is call the Truth and Lending statement. They have continually refused and previously I complained to you because they refused to give me any information on this loan other than charging me an outrageous amount of interest that they did not break down or define at how it was arrived at. My prior case with you is, XXXX # XXXX. I received a letter from Bank of America today from their department that handles loans discharged in bankruptcy and has to do with my default. My loan has been paid in full. All I want is an accurate accounting of the end figures on that loan and now they have it in the resolution department in discharging a debt. I DEMAND FROM THEM A TRUTH AND LENDING STATEMENT AS TO WHAT HAPPENED AFTER MY LAST MONTHLY PAYMENT OF THE LOAN. i HAVE NOT DEFAULTED ON ANY LOAN AND IT HAS BEEN PAID IN FULL AND ACTUALLY HAS BEEN OVERPAID. I would also like to know Bank of America 's usual practices when a loan is paid off and how many XXXX people they are ripping off. Thank you for looking into this matter for me. 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 explanation
Consumer complaint received 2017-01-18
Company: Navient Solutions, LLC.
State: WI
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:
Since Navient started administering my loans, all aspects were chaotic. First, I lost track of loans. Secondly, I was billed numerous times while still in school. Consequently, I believe I was being charged undue interests for numbers of time. Thirdly, even after I apply for in-school deferments, out of nowhere, I received billing statements of due payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Bread Financial Holdings, Inc.
State: FL
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 unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, COMENITYBANK/WAYFAIR add a hard inquiry on my credit report per XXXX. On XXXX XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX  XXXX On XXXX XXXX XXXX, 2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  XXXX The report does not include information about the creditors. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Between XX/XX/18 - XX/XX/18, I was in a physical altercation with my past roommates, and it resulted into me leaving all of my belongings ( phone, wallet, etc ) inside the house. I had to move back in with my mom and stepdad, and it took me a while to get back on my feet and I was extremely overwhelmed with a lot of things going on in my life. It was between XX/XX/18 - XX/XX/18 when my mom bought me a new phone and I was able to check my bank accounts, and I ended up having to file a claim after seeing {$170.00} missing from my account, putting my account in the negatives. I talked to someone in the fraud department and within 1-2 days they were able to refund my money. 

Due to me having multiple issues with Bank of America, I had made it my duty to close my account. I talked to a woman in the bank, located in XXXX, XXXX, and she notified me that Im not able to close my account until my account no longer has money so she walked me over to a Teller and I was able to withdraw the remainder of my money out of my account. She assured me that my account was closed, and I made a note to myself to open a new account with a different bank. But, I was still receiving emails regarding my account having overdraft fees taken out of it, making my account - {$260.00}, if not less. I was assured that the woman had closed my account and was extremely distraught that I was this much in debt when she had told me my account was closed. And now, I get an email saying my claim was valid and theyre reversing the refund, putting my account nearly - {$500.00} in the hole. Im now taking care of my Grandmother, and just have so much on my plate. I thought BoA wouldve completed my claim, and Im not sure why they denied my claim when I was robbed AND I had been told my account was closed, only to get a mountain of overdraft protection fees back to back to back. 

Please help 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 monetary relief
Consumer complaint received 2022-02-26
Company: Possible Financial Inc
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2022 I paid Possible {$330.00} to clear up my past due account. Prior to this, they reported to all three credit bureaus the amount of {$250.00}. I received the standard your loan has been paid off email and offer to reapply. Now, on my XXXX report it states the status of paid. Closed. {$250.00} Charged off and then again stating the balance of {$430.00}. It shows incorrectly on XXXX and XXXX as well! After emailing to request the account officially be closed ( email is the only way to speak with these people ), I was first informed that it would be processed but then was told that Id have to wait XXXX months!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation