BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card
Issue: Credit determination

Complaint:
The Honorable FDIC Complaints Request Response to XXXX SENATORS REQUESTS : i filed charging highest-complaints against Bank of America in breaking record requests notification to XXXX Senators and XXXX XXXX at formal requests : I am not happy with Bank of America refused serve to a XXXX individual who applied credit card made declined and they made denial credit card because of overdraft and worst horror credit records discrimination addresses as they insulted me in XXXX call out addresses report to XXXX Senators and XXXX XXXX knowledge what wrong with Bank of America. Bank of America made hatred against XXXX individual that horror discrimination harmful credit card records. I am not happy with Bank of America 's credit card as insulted me dumbest individual as they laughed at me in poorest XXXX account! Bank of America refused removed bad credit records and bad overdraft records that they criticized against my checking account notification to XXXX SENATORS and XXXX XXXX and XXXX XXXX XXXX charging enforcement requests.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
XXXX loans were closed and moved to XXXX, on XXXX XXXX, 2010, however, there are statements on my credit reports that I have XXXX missed payments on XXXX, XXXX missed payment on XXXX and missed payments on XXXX. There were no missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: FIRST HERITAGE CREDIT LLC
State: LA
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:
I owed a debt to this finace company.I contacted them and gave them a number to contact about my debt.I am trying to have my bills consolidated.They were contacted through my consolidaters.Since then, this woman named XXXX has been contacting people I do n't even associate with or have not talked to in years.To me this is harrasment.I do not know where she even gets their numbers from.I do n't even have there numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Have disputed MULTIPLE times. Submitted court documentation of lawsuit dismissal. Still is n't being removed from equifax. XXXX removed it without issue. Was told by equifax on phone debt was verified. I asked to see a copy of the paperwork with my signature confirming debt. They told me they did n't get that. I asked how they confirmed the debt, without it since the courts dismissed it due to failure to provide proof of debt. The woman on the phone responded " it is going to be removed at the end of the year anyway, what does it matter ''. 
I have been denied credit due to this, and have a high APR on a loan due to this being on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: Navient Solutions, LLC.
State: OH
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:
Navient is making it extremely difficult for me to switch to the " repaye '' program that was made available to borrowers. My loans qualify. Currently I am on the income driven repayment that alows for XXXX % of Disposable income. Navient originally told me I would have to pay XXXX ( or whatever I could afford to switch ), when I called to switch I was placed on hold ( service rep ) spoke with supervisor who told her to tell me I am out of forbearance time and they would require a XXXX payment to switch me!? ... THey refused to switch me for XXXX ... Navient originally misinformed me of the possess to switch and then demanded more money for me to switch to a program I am entitled to. Sad this organization is permitted to mislead and use these deceptive practices. 

Thank you for taking the time to view my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America has destroyed my credit and I have been trying to correct it for 4 years, just recently I paid off my home and was late XXXX XXXX and XXXX of XXXX because of escrow. Bank of America put my account as closed and not paid with the credit bureaus and has added lates for XXXX a whole year, XXXX put lates on my account which is not true and my score has dropped to the point of not being able to obtain another home loan, I am very upset and need assistance, this has happen to me before with Bank of America they even lied when I was modifying my home loan. I need help!!! I have had enough this is keeping me from getting a home again and it is not fair. I have disputed with their credit department, and all XXXX credit bureaus, but I need someone else to audit their records and help, I can not keep going through this with them especially after paying off my home loan. Any assistance would be greatly appreciated. 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I had a XXXX refund and a XXXX payment to me in the account wallet I went to check today because my regular payment is due and its missing

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I co-signed a note with my granddaughter for an automobile. In 2014 she stopped paying for the vehicle so I voluntarily surrendered the vehicle to the financial institution and began paying the remainder of the loan. Since that time I have made all payments on time. Equifax has shown the voluntarily surrender to be within the last several months instead of 2014 and will not correct the information. This falsely lowers my credit score and makes me look like a bad credit risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
To whom it may concern, I tried to get Internet for my family and was told that there is a fraud alert on one of my credit reports. I am not sure which one, but I did n't not make any oh one call placing this on my credit report. Please contact me on how to resolve this issue. I am also in the procks of trying to purchase a new home. Effect would be greatly appreciated. An Equifax credit report investigation is being requested at this time. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26
Company: Navient Solutions, LLC.
State: NY
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:
My loan servicer is Navient. Not only are the not helpful but they refuse to lower my interest rates which have risen to nearly 10 %! They are a scam. No where in my contract did I ever sign up for interest rates that high - and that is not all. The amount of money that I originally borrowed ( I have private loans ) is significantly lower than the current amount I owe - mostly from interest accruing while I was in school. This is not fair and I know many others whom have written complaints about Navient and their unfair practices. They also refuse to help me lower monthly payments. My payments are running nearly $ XXXX/month - which is impossible to afford with my current salary. Something needs to be done for students in New York with private student loan issues because we do not have the repayment options that federal loans have. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Opened a account at XXXX XXXX had fraud when disputed itThey said no problem opened me a new accountApparently they then decided new was opened to soonAnd they closed it without my knowledgeThey also applied for a credit card for me I did not authorizeOr ask forI then went to another bank to open a accountAnd was told XXXX report me to check systemFor suspected fraud? I 've been trying to get corrected for5 yrs now ca n't get a account anywhere!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Other financial service
Sub-product: Traveler’s/Cashier’s checks
Issue: Customer service/Customer relations

Complaint:
On XXXX XXXX, 2016, I went to the Bank of America in XXXX XXXX XXXX XXXX, MA XXXX US to cash a check that I received from Tuition reimbursement from employer, the cashier ask me if I have a account with BOFA I said no and he proceed ask me to put my finger into a ink and put into to the check and a XXXX dollar fee was going to be charge. 

I did all the procedure he asked and he grabs the phone on the wall and called the manager to look my check. 

Here is the worst part started the Manage, XXXX XXXX, Assistant Vice President, Financial Center Manager. 

He also had my Government ID in his possession and declined to cash my check. 
He also told me that he was going to call the company from the check and I told him that was fine if he want to call and he went inside and come less then 1 min he never call the company and looked in the computer again and decline for no reason to check my check. 

I proceed ask the Manager if he can explain me why his not going to cash my check and he said he can not change the check and can not give any reason. 

When I told him that I was going to file sue on the Bank him he told me to leave the bank and not come back to cash my check again. 

This is not the first time I have problem with Bank Of America I had similar experience couple year ago and never come and said anything, so this time will be different I will publish in all social media this discrimination. 

I was with my XXXX daughter with me and she started cry in the bank with his arrogant attitude and screaming on us to leave the bank. 


One thing I am sure that my check has fund and he discriminated me and my daughter at the Bank of America in XXXX XXXX XXXX XXXX, MA XXXX. 

He does not give me any reason why he could not check my check and I am planning to sue this Bank for Discrimination.

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 2015-12-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I 've disputed my XXXX account balance with Equifax several times since 2014 and the account was never removed due to it 's inaccuracy. In doing so, I informed Equifax that the my credit report from their company state that XXXX balance is {$0.00}, about XXXX year later it was changed to a balance of {$27000.00}. This is misstating the balance due, which is considered a violation of the FCRA and should 've been removed. 

Also, I contact XXXX about it 's inaccuracy, wherein they state that accurate account information has been reported to Equifax. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I would like to upload you my loan statements so you can see how my payments have been misappropriated on my Parent Plus Loan. The times I 've called for explanation, the person answering the phone sounds like a college student and the only advice they give me is to " make larger payments on the principle and you 'll see the balance go down. '' I had complained several times that my balance owed NEVER GOES DOWN even after making regular monthly payments of $ XXXX/month. Last month they notified me that my monthly payment is going up. Early on they dumped {$10000.00} of capitalized interest into the loans which were in deferment while my son was in school. At least 21 months they applied none of my payment to principle, only interest. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
EQUIFAX has been reporting hard inquiries from XXXX on my credit report, I wrote to XXXX, they responded they did not inquire. EQUIFAX still not removing THREE hard inquiries from this vendor and I need them removed as it is affecting my score. I am also disputing TWO hard inquries from EQUIFAX XXXX, when I called them they did NOT request my credit report and I never authorized these vendors to pull my credit. I need all 5 inquiries removed from my credit file with EQUIFAX, can you help me???? See Letter I finally got from XXXX but EQUIFAX has done nothing to resolve error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: Late fee

Complaint:
Bank Of America Credit Card is failing to give my wife and me a grace period. My wife was XXXX minutes past the due date and they charged me a late fee. After my wife complained they eventually dropped it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
1. I have an American Express Credit card through XXXX and made major purchases and American Express was to pay me a percentage that was to be given back to me. They failed to give me my percentage in XXXX XXXX. XXXX quit accepting the American Express card the their stores after XXXX XXXX, XXXX. When I called American Express they told me they would send me my reward earned but they never sent it. 
2. In XXXX XXXX American Express changed my True Earnings credit card to a Blue Cash Everyday Card without notifying me. I understand American Express and XXXX were in talks then about the credit card that would be accepted at the XXXX stores. I was then told by American Express that I would be getting the new XXXX XXXX card. I called American express and was told that I would not be getting the new XXXX XXXX card because they changed my account to a Blue Cash Everyday card and only the True Earnings card would be given the new XXXX card. My mortgage is through XXXX fro the past 11 years and I have never been late on a payment. This concern was also listed by other XXXX members in the media. 
3. I have had had several credits on my American Express card and have been unable to get American Express to send me a refund. They sent me a refund of {$50.00} and then sent me the same amount of {$50.00} a few days later and has refused to send me all of my credits on my account since I have not used this account in some time. I have requested a manager to call me on several occasions but none has ever called me. I was also told that none is available. 
Credits $ XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-27
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Not a duplicate. Must be delivered to each Credit Reporting Agency. On XX/XX/2017 I disputed an erroneous account appearing on my credit report. See CFPB case # XXXX. The line item is # XXXX pertaining to XXXX. XXXX failed to reply after 60 days. Due to their failure to respond within the 30 day period set forth by federal regulations, This item must be immediately and permanently deleted from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
On XXXX XXXX, I called XXXX XXXX. to inquire about an offer I received in mail. I was ONLY inquiring. The sales rep asked for my social security number, and I immediately said, I'im not giving you my S.S. number because I do not want my credit report run at this time. I am only inquiring about your package. I have XXXX and was just checking to see if I can get a better deal for the money, and what was the catch with getting " same amount per month, no price increase for 2 yrs. Then he said OK no problem, just give me your name and address to to if we can have service in that area. After all as said and done, I found out I had to switch to XXXX XXXX XXXX phone service. I said thank you for your time, but i 'm not switching any phone service. Now, how they do it, I do n't know, but, the next day I get a notification that another Credit Inquiry went on my credit report with Equifax. I 've called about 20 people from XXXX and have names, ID # s, etc, and they all swore to me that they were gon na have it taken off my credit report ( s ). To date, they did nothing. I sent a letter, certified to XXXX XXXX and still, nothing has been done. I was told by an Equifax rep that XXXX XXXX needs to take that inquiry off their Data Base, otherwise, it automatically generates on Credit profile. Which is hurting my credit scores. Please help me get this off, so I do n't have to file Fraud charges against this salesperson for illegally getting into my credit report. I do n't know what info of mine he took from me, if any. Thank you, XXXX, N.C. XXXX / EMAIL ADDRESS ... .XXXX Please respond ASAP either via postal mail or email. P.S. I just read the bottom statement but do n't have picture of credit report to upload, buts it on Equifax. I can give you any info you may need to get it directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have been fighting XXXX XXXX Equifax for over a year the other XXXX credit bureaus have corrected this issue of public recordit has even been removed from the other XXXX credit agencies Equifax is my opinion keeping this on my credit score so I can have higher interest rates when applying or obtaining loansI asked if you will investigate Equifax for wrongfulpractices and reporting on consumers credit reports or if you may refer me to a legal representative to file a lawsuit against Equifax I have uploaded documentation to your services before and nothing has happen please guide me in the right direction resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have submitted the original dispute concerning XXXX XXXX XXXX account closed XX/XX/XXXX to Equifax. Eqifax may or may not be investigating, but they have as the result of my dispute submission placed misleading information on my credit report. One statement made on XXXX/XXXX/XXXX states : " XXXX days past due - XXXX XXXX XXXX XXXX ''. Another alert dated XXXX/XXXX/XXXX states, " XXXX XXXX XXXX has flagged your account as Not more than XXXX payments past due ( 2 ). Potentially Negative Alerts notify you when one of your accounts has information that may negatively impact your credit score. '' My original dispute was about the report from XXXX XXXX XXXX. After my house was destroyed by fire on XXXX XXXX, XXXX, I sent XXXX XXXX XXXX an insurance check which I had endorsed for the payoff of the mortgage. This check was mailed around XX/XX/XXXX. I continued to receive bills and past due notices from XXXX XXXX XXXX. Then in XXXX XXXX, I received a statement from XXXX XXXX XXXX showing that my payoff check went into an account they had established in my name without my knowledge or consent. At that time I contacted XXXX XXXX XXXX and was told that it was their policy to not accept payoff on a mortgage without a written notice from the account holder. I complied by sending a request for payoff. It is interesting that although the check was for quite a bit more than original payoff amount, I received no refund for the additional amount. They accepted the check without refund or asking for additional funds. I find that too strange for coincidence. XXXX XXXX XXXX XXXX should be able to verify that they did provide the check for payoff.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-19
Company: EQUIFAX, INC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
All of my records state that the next available payment is due on all loans on XXXX/XXXX/2016, however, my Equifax credit score is showing a XXXX point decrease due to what seems to be a missed payment. I have been in loan deferment/forbearance since XX/XX/XXXX. I want to know why this drop occurred, when all payments are not due until next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: Navient Solutions, LLC.
State: NJ
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:
My loans have been taken out through sallie mae, but XXXX as you know turned their loans over to navient. Navient is trying to change terms within our promissory notes in which states our private loans must be paid back in 48 months. This policy is not listed in our promissory notes that we signed off on, their has been no new promissory note sent to us stating new terms and policies. I am still in school and they are trying to make me pay back loans when I should not be according to the terms that I have signed off on in my promissory note. I understand that the CFPB might be suing Navient I would appreciate if this would be included in the suit. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation