BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-30
Company: EQUIFAX, INC.
State: MI
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:
In  XXXX   XXXX , credit unlimited requested on my behalf that   XXXX   XXXX   XXXX   remove a closed mortgage account that was dated last activity in  XXXX  on all  XXXX  credit bureaus. The last payment that I made on this account preceded  XXXX  which makes the account past the 7 year mark. I could never get proper documentation and the account can never be found by   XXXX   XXXX   XXXX   XXXX  when I was trying to short sale the property that the lien was attached to.   XXXX   XXXX    XXXX  could never find the account.      XXXX  removed the account. Equifax updated the account as closed in  XXXX .  XXXX  added a second account with a different account number in  XXXX   XXXX  saying it is currently active and reporting late and a foreclosure has been initiated.      1. The ti tle to the property was transferred  XXXX   XXXX  that the original lien was attached to.    2.  I do not own any property for Bank  XXXX   XXXX  to foreclose on.    3. Thi s loan was sold 3 times since opening in  XXXX  ; me and my realtor requested a copy of the promissory note. The original promissory note and the account could never be found.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I tried to get a credit card with huntington. They told me to get the app because I 'm under XXXX. I got the app and it took me back to the standard huntington automated line. I then asked for customer service and they told me I had the wrong number and transfered me. After being transfered they had me speak to some man in the XXXX that I could barely understand. He proceded to tell me to go online and apply for a credit card and hung up on me. I am furious this needs solved this is unfair to people on their own under the age of XXXX trying to get a head start on life. I have a decent job and all I want to do is build my credit so I 'm better off by the time I 'm in my XXXX 's please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Habitat for Humanity refuses to take their property out of my name and it 's steady causing me financial problems, hardship, and stress. The house was built incorrectly and the foundation had pulled away from the house which made the house impossible to live in from the rats and bugs infestation. Habitat refused to resolved the issues and help me. I lost everything including my home. I 'm still being stressed out about this issue.

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 2016-04-20
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I RECEIVED A VOICE AUTOMATED PHONE CALL STATING XXXX XXXX IS REQUESTING FOR ME TO RETURN HER PHONE CALL IN REGARDS TO A DEBT THAT I OWE TO USCB AMERICA????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Southwest Credit Systems, L.P.
State: PA
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:
In XX/XX/XXXX I submitted an order for XXXX cable, internet and phone service. In order to do so, I had to open an account. However, XXXX never established service or installed any equipment. After a few weeks, I gave up and instructed the company 's representative to close my account. Much later I was contacted by several debt-collection agencies, most recently SouthwestCredit, demanding payment of {$150.00}. On XX/XX/XXXX, in response to a letter dated XX/XX/XXXX, I wrote to Southwest that I had never received XXXX service and had instructed XXXX to close my account. In a letter dated XX/XX/XXXX, Southwest responded that their " investigation '' had " confirmed '' that the full amount was due immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: Merchants and Professional Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: Netspend Corporation
State: CA
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Managing, opening, or closing account

Complaint:
I prepared my XX/XX/XXXX income tax online. The netspend prepaid credit card was an option for receiving my refund faster. When I efiled my final form the screen stated my card would be mailed that week to expect it by XX/XX/XXXX. I have had a restraining order against my husband for XXXX years and stealing my mail is XXXX of his favorite pastimes. I immediately phoned netspend that card was cancled a new card was issued and after explai XXXX g my concerns an activation code was placed on my card. Net spend issued him a XXXX card without my authorization got him his card XXXX day before mine never enforced the activation code and he withdrew XXXX $ a day before I received my card. I faxed the company my written complaint XX/XX/XXXX. They claim they never received it.XX/XX/XXXX he withdrew the money from our local XXXX bank. XX/XX/XXXX at XXXX is when I received my card. I immediately attepted to activate it. When I did no activation se urity code was required as I was guaranteed would be. My balance showed XXXX $ less. I called customer service and they explained that a XXXX card was issued by them. I was furious. My lender is ready to foreclose on my home and I dont see why I cant get my money. They are past all regulated days allotted and I cant even get an update much less the refund I should of been given weeks ago. I have several emails qhere they admitt fault claim they counseled staff yet im ready to lose my home and its been XX/XX/XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-28
Company: National Arbitration Forum
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They are calling family members and leaving threating message to show up on job with sheriff and supervisor or come to house with sheriff. I encouraged them to come on or meet at Sheriff office and to stop call me and my love ones and getting them up set.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Received text on XX/XX/2020 that my credit card payment was overdue and that there was a {$15.00} fee added to my balance. Called few minutes later and told representative I never received my statement by mail like I had before. Representative told me I agreed to receiving my statements by e-mail back in XXXX but I never spoke with anyone that I can remember concerning that but was assured that I was sent my statement by e-mail. I checked my entire e-mail list for XXXX and XXXX and never once saw that e-mail. After telling them I was not aware of the change, they waved the fee but I'm reporting to inform you just in case this is an intentional tactic to see how many people Regions financial services can trick into paying an additional {$15.00} fee to increase there own profits.

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 2016-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been with Bank of America for many years with my Mortgage loan I felt happy and comfortable having my loan with them and being able to pay and easily access my loan information online. I received a letter from bank of america that they have sold transferred my loan to a third party service. I have looked at the third party service company and I am very unhappy with this the new third party company to service my loan is XXXX XXXX XXXX XXXX which has a payment option for paying online I would have to pay XXXX XXXX I total am appalled I have excellent credit and to be transferred to a low down service-er is absurd I have been transferred to a company that is for people with bad credit. Also I contacted the new servicer and you here on the recording ( we are a debt collector ) Really the guy was rude to boot!!! I have never been late with B of A and have excellent credit!! I believe this transfer is going to cause my ire-reputable damage to my credit I demand that my mortgage account be transferred back to Bank of America I will consider hiring an attorney this is not right! I will sue for damages caused to my credit from this transfer to this less than excellent third party servicing company I want this rectified!

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 2021-01-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I filed two separate claims with Wells Fargo bank, in regards to funds being deducted out of my checking account which was supposed to be money invested towards a XXXX procedure I wanted to be done, the procedure was never completed, I didn't go to my XXXX visits, and I requested that money back, it took XXXX  XXXX  many months to credit me back, so I filed a claim no XXXX, a total of {$200.00}, and claim no XXXX total of {$610.00}, funds were credited to my checking account ending in XXXX, but then a card reversal credit took place, and left me at a negative standing, I provided the bank with all necessary documents supporting my claim, and they were really rude to me. Another claim which I filed claim no XXXX, a total of {$830.00}, same thing. My Wells Fargo bank account is in an enormous negative standing due to these errors by the bank. My checking account is - {$1800.00}. I believe that if it's my money being invested it's really my choice how to go about it, and if I don't like the way one works, or products they sell are not what I am searching for it's totally up to me. Wells Fargo has been informed that the XXXX XXXX store originated to me, was a computer error, and credit was never received. I'm seeking for these funds to be credited back into my checking account as soon as possible.

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 2017-01-24
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am a co-signer on a Navient student loan. I have paid-off XXXX of the XXXX loans I am a co-signer for 3 years ago. I paid a lump sum on the XXXX loan about XXXX years ago to bring it current. I verified the XXXX loan is current, the goal is to be released as a co-signer. Granted the borrower pays the loan, but based on her pay period about XXXX or XXXX weeks late. Recently, Navient approved a XXXX month forbearance XX/XX/XXXX thru XX/XX/XXXX. I received notice of the forbearance after it was approved by mail. I was unclear of the issue, and made a call to Navient on XX/XX/XXXX to have the forbearance and the account status explained to me. The account shows that all payments for XX/XX/XXXX was received ... some late and late fees were assessed. But, I was confused as to how the forbearance was necessary. After about XXXX hour on the phone, XXXX transfers later, I requested to speak with a Supervisor to explain. I was told the account was a month behind ... which it does not appear to be the case ... and the forbearance is the reason for the zero balance, which in my understanding only removes the XX/XX/XXXX payment. It 's never easy communicating with Navient, and the workers are not knowledgeable and you feel as though you are caught in a bad dream that will never end. I do n't agree to forbearance 's, but as the co-signer I have no right to prevent it. I made a payment on XX/XX/XXXX, that should be posted in the account this week. My main goal is to be removed from this loan as a co-signer ... and I will be requesting the borrower to submit a request to removed me from this XXXX loan. However, because of the way she pays and the recent forbearance I 'm not sure my request will be granted. Please help. I WILL NEVER CO-SIGN A STUDENT LOAN AGAIN AND I WILL NOT RECOMMEND NAVIENT AS A LENDER TO ANY STUDENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no idea whose account this is! I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America sold our mortgage to XXXX. We continued to pay Bank of America on time each month and they continued to accept and cash my checks when I went into the branch and paid them in person. We were n't notified of the sell otherwise we would have switched to paying XXXX. Over the past 9 months, we have made numerous attempts to dispute the 30 day lates on our credit reports both directly with Bank of America and all XXXX credit bureaus. In spite of my numerous letters and copies of canceled checks they have been provided the lates are remaining on my credit reports. 
We simply do n't understand how Bank of America can fabricate a wrongful credit history. 
This situation continues to have a significant damage an impact on my wife 's fragile health and medical status, continues to cause mental anguish and negatively impact our long term relationship and is causing significant damage to our ability to the peaceful and quiet enjoyment of our personal financial lives.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-17
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Issue: APR or interest rate

Complaint:
Every month my balance would be example A but my fanicial Intrest on my account is on XX/XX/XXXX.chase bank would state that my princple balance is A but when i get my monthly statement.i see that chase add faniacial intrest to my balance causing it to be higher so when they do the math chase comes out with more.for an example see below XXXX on XX/XX/XXXX should be XXXX plus intrests.not on XX/XX/XXXX bal XXXX added intrest causing balance XXXX than intrest added again saying bal was XXXXon XX/XX/XXXX. Puting chase at a better position against customers. I think its fraud.and it keep cusumer in debt.you can call for your balance its one thing but day of intrest add that balance is higher for some reason.if i sont say nothing the banks are getting away with it.why would the principal bal change that much fron XX/XX/XXXX to XX/XX/XXXX and card not being use.ita a scam.so i report chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On or about XXXX, 2014. I noticed that a XXXX phone bill had appeared on my credit files. I requested that XXXX validate the debt and send me a copy of the application that was used to open this account. They never replied back to the debt validation letter. Now Jefferson Capital Systems is coming after me. I have continued to request that they validation and they continue to allow this to report on my files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Bank of America REPEATEDLY declined to put my transactions through at XXXX ( grocery store ) on XXXX/XXXX/16 and XXXX/XXXX/16 even though THE MONEY WAS THERE. It actually HIJACKED the funds so that it CAN NOT be withdrawn from the account. It 's their sophisticated, high-tech way of XXXX customers. It has happened twice involving transactions at two different XXXX locations in XXXX, TX and XXXX, TX, and it is possible that Bank of America and XXXX are COLLUDING to divert their customers ' money and illegally freeze them so that they themselves can use them and profit from them as recorded bank balances and recorded sales respectively, but the customers CAN NOT. Imagine how much money is involved if it turns out that they do this collectively on a regular, MASS-SCALE basis!

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 2015-11-04
Company: Navient Solutions, LLC.
State: OH
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:
In XXXX I obtained XXXX student loans ( private ) from XXXX and XXXX. The servicer at the time was XXXX which later became Navient. It was at this time that our daughter developed a XXXX XXXX. The medical bills began to soar out of control. At the poor advise of our attorney we surrendered our home and filed a chap XXXX bankruptcy that would include all of our student loans. Incuding our student loans meant that they would be paid while the chap XXXX ran it s course. We filed and the program required us to pay 57 % of all our unsecured debt which was our student loans. After approx 4 1/2 years we completed the chap XXXX. When we reviewed the court trustees documents, we found that we had paid approx {$16000.00} to Navient on a {$21000.00} loan. When we completed the program we needed to know where we stood with our loans so we could calculate our repayments options. We contacted Navient and requested an audit which they did not due. They instead dictated their terms of repayment to us. It was this time we discovered that according to Navient we owed {$21000.00} not the {$6000.00} we thought. When we threatened to contact our attorney they completed an audit. The results stated that we actually owed {$17000.00} not {$21000.00}. We kept asking why is this amount and why was n't the {$16000.00} we paid deducted. navient told us that it had been deducted, but due to Capitalization, Post Petition Interest, and the & year rule that the outcome. 

I calculated the repayment that Navient stated we should pay. The monthly is approx {$110.00} for 10 years prior to our Chap XXXX, and thats what it is for the next 5 years. At this rate we could NEVER repay this loan, NEVER! It is inconceivable that a company that uses the US Government as leverage against normal citizens, ( veterans, Which I am ) to line their pockets. We paid {$16000.00} on a {$21000.00} loan Thats 76 % of that loan, and they say its not enough. I understand that Navient is being sued by XXXX states attorney generals, and the Dept of Education 's OIG for deceptive practices, and misdirection of repayment that would benefit them. I need some real help with these guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: EQUIFAX, INC.
State: IN
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:
I sent all 3 major credit bureaus XXXX, Equifax, and XXXX a certified letter with a copy of my credit report disputing the information in my credit file including my inquiries and they did not investigate 99 % of my credit file including the inquiries not one. I know for a fact I didn't give consent for some of the inquiries but they still remain on there. The credit bureaus received and signed for the letters in the middle of XXXX around the XXXX thru the XXXX of 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been trying to get financiallybstable and they keep making me go to a forbearance account so I can gold payments without telling me the consequences. Also, they have missplaced payments and my information is incoreect. I have successfully paid XXXX and XXXX which was the original loans and I ca n't keep track of what I paid and did n't because they kewp bouncing me around. I believe I have paid everything and they want to keep making me pay. They need to erase that debt out of my credit. It is affecting me to progress further.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Central Financial Control XXXX Syndicated Office Systems continues to report a negative collection account on my credit report but has failed to provide any validation of such debt. They do not have a phone number listed and only have a XXXX so I am unable to send certified mail. I 'm addition according to the XXXX website this company is no longer in business after a settlement with CFPB for deceptive debt practices which I believe I am a victim.

Company response to consumer: Closed with explanation