BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
We were scammed by someone posing as a loan officer from XXXX XXXX and promised us {$20000.00} if we verified funds by sending money to someone by XXXX XXXX. The guy told us that it was just a verification process and once it was done we would have {$20000.00} in our account as a loan. Gave us prepayment terms and all. A mobile check deposit to our bank of america account of XXXX was done on XX/XX/XXXX. On XX/XX/XXXX we sent XXXX to a XXXX XXXX plus XXXX XXXX fee Total {$680.00} no out of pocket money as we thought at the time. Once we done what they asked, they then said we had to pay a out of state tax fee of {$200.00}. I refuse and that is when we realize this was a scam. We contacted the FBI on XX/XX/XXXX filed a report with them and they told us to contact Consumer Protection Bureau ( consumer finance ) and also do a report with IC3.gov. We just learned today XX/XX/XXXX that the check was returned and it was a United State Government check done by Mobile deposit and the bank has returned it causing our account to be seriously overdrawn. The mobile deposit was done by a out of town cellphone that is not ours. I have {$2.00} to my name. Contacted Bank of America Fraud Dept and was told there was nothing they could do to recover the money so we basically have to eat the cost because we withdrew the money and gave the scammers access to our account. I explained only to do a verification and at the time we did n't know ... .had no idea it was a scam. The FBI agent told us this is a well known scam and they are investigating this. But I live paycheck to paycheck and ca n't afford to eat {$680.00} cost and now we have no idea how we go make it to work with no funds because the return of the {$680.00} check ate up what money we did have in our account to make it to our next pay period. We have been scammed and are the victims in this matter and we should not have to pay for fraudulent activities from heartless and cruel people in this world taking advantage of people in need of money but took money from us.

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 2015-10-15
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been paying my XXXX XXXX XXXX now Navient ) student loan since XX/XX/XXXX and I have never had a late payment or missed payment, however my grandmother and co-signer passed away. Now XX/XX/XXXX, my loan has been transferred to XXXX XXXX and they are demanding that I pay my loan in full or they will foreclose on my co-signers estate. 
The student loan was for undergraduate studies at XXXX University in XXXX Virginia.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Advanced Resolution Services 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report.

It is your duties to accurately report information in as of now you are not doing that and its impairing efficiency of the banking system.Both together and separately my consumer and privacy rights are being violated in accordance with 15 U.S.C.1681 ( a ) ( 4 ) and pursuant U.S.P.C. ( B ) ( C ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo offered the ability to withdraw mortgage payments on days I choose. I chose to remove half the payment on one  paycheck day and the other half on the other pay day.. I get paid twice  a month ... I sent the letter in and left the account servicing to Wells Fargo which did not happen. They removed half the payment on the XXXX of the month and then stopped ... the other day was supposed to be the XXXX.. however the account was not paid in full by the XXXX so they didn't remove the next half. I was overseas and didn't have the ability to check my account daily. in addition the phone number that Wells Fargo had as my primary was in error. they had the correct number but never tried it. they kept trying to use the wrong number ... I was never aware that the auto debit withdrawal program I was on with Wells Fargo was not working correctly. I didn't know when they received the letter and had no idea how they were going to make sure the mortgage payment was to be managed ... it is taken out normally on the XXXX of every month in one lump sum.. however as I mentioned previously they offered the ability to have it taken out to coincide with days more beneficial to my own personal finances. I explained in numerous complaints that they service my escrow account for my mortgage by paying property taxes and homeowners insurance on time and in the correct amount so why is it that they cant figure out how to auto withdrawal my mortgage correctly? no warnings nothing to let me know the account was going to be 30  days late. they refuse to remove that credit hit costing me about 55 points or more.

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 2016-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a direct deposit with my bank and 2 days before i was to get paid again they closed my account and has yet to give us a reason. They said they do n't have too and since they closed my account i have not been able to get and account anywhere else it 's like i have been XXXX. I just want to fined out what happened to cause all this.

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 2017-02-18
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I HAD WAS ATTENDING XXXX IN 2002 AND WITHDREW FROM SCHOOL DUE TO COMPLICATIONS OF MY XXXX. I RECEIVED A LETTER FROM NAVIENT STATING MY LOAN WAS IN DEFAULT AND IT WAS SOLD TO XXXX. MY PREVIOUS SERVICER WAS NAVIENT. SO I CREATED AN ACCOUNT ON XXXX AND IT HAD THE SCHOOL NAME OF XXXX LOCATED AT XXXX XXXX XXXX # XXXX, XXXX TEXAS XXXX WITH NUMBER LISTED AS XXXX. I NEVER ATTENDED SUCH SCHOOL, I ATTENDED XXXX. WHICH XXXX CLOSED DOWN AND TEXAS GURANTEED STUDENT LOAN CORPORATION SAID XXXX SOLD ITS LOANS TO THEM OR SOMETHING TO THAT ASPECT. I ASKED FOR A PROMISSORY NOTE FOR XXXX XXXX, BECAUSE I DID NOT ATTEND THAT SCHOOL. SO THEY HAVE ME PAYING MONEY TO A SCHOOL THAT I DID NOT ATTEND AND NEITHER SCHOOL IS OPEN IN XXXX TEXAS. WHAT ARE MY RIGHTS AND HOW CAN I GET THIS OFF OF ME. I WAS NOT NOTIFIED THAT THEY SOLD THE LOAN, AND I READ THAT THE SCHOOL XXXX CLOSED DOWN ONLINE. CAN THIS BE DISPUTED AND I NEED TO KNOW WHAT ARE MY RIGHTS. BUT, I DID NOT ATTEND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was recently alerted to a credit collection company on my credit report XXXX XXXX XXXX XXXX is Wakefield and Associates. 

Since we never received anything from the originator, XXXX XXXX, we were not aware of this invoice. 

On XX/XX/2022 at XXXX, I called XXXX XXXX and was told that the address their bill went to was a street on XXXX XXXX this is an incorrect past address from over 20 years ago. 

I asked where they obtained their information the answer was from the hospital I find this to be suspicious since the hospital has my drivers license and billing information with the correct address. 

I was then told that one call was made to my number from XXXX XXXX and a message was left. 

A call should have been made to the originating hospital to verify my address since I receive all my other bills from the hospital. 

I asked, why didnt you call the hospital to verify my address. I was told, because we have thousands of bad addresses. 

Therefore, since I am not at fault for them not having the correct information, I request to have this charge removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX and XX/XX/XXXX I reached out to LVNV Funding LLC regarding the {$850.00} they say I owe they agreed to send me a full print out adding up to the amount listed. The statement they sent me was inaccurate. I reached out to them again spoke with a supervisor and disputed it over the phone with her and still no results but they continue to send the collection letters. this is really affecting my credit and life I cant get approved for anything with this hanging over my head.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Current loans are thru navient and they are all outstandintg. Over past couple years it appears that my interest rate has triple and made it hard for me to ever repay and on top of that it is really effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
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:
I founding fraudulent account on my credit record some one used my information and opened the accounts I listed.

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 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 am a victim of identity theft. I have requested that the bureaus remove these fraudulent items on many occasions. I have also requested to see proof that was used to verify these items, and they have not provided any contract or signature for any of them

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 2020-04-08
Company: WELLS FARGO & COMPANY
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:
Wells Fargo has continued to give me the run around. I've submitted another complaint regarding a fraudulent personal loan that was opened under my name and social. The address and signature doesn't match. Not only has Wells Fargo dropped the ball the continue to not be responsive or don't return calls. 

I spoke to the Executive office to file a complaint and was told that I would receive a resolution by XX/XX/2020. I never got my issues resolved and continue to be mistreated and discriminated upon. This account is vastly affecting my credit and livelihood. 

Wells Fargo also contradicts its self by sending me a settlement check for the fraudulent accounts being open under my name from its bank but has refused to remove the fraudulent account from my credit reports. If this matter isn't resolved in the next 10 days I will file legal complaint in federal court.

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 2017-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Approximately XXXX XXXX, I went into Bank of America, XXXX and XXXX branch to cash a paycheck, drawn on their account. Despite having a business account with them, they claimed I had to have a personal account or they would have to charge me a 'non customer fee ' of XXXX dollars. Again, this check was drawn on their account! Essentially, they have my money in their vault and refuse to give it to them without their " taste ''. Extortion. In California, there is a law that a paycheck must be able to be cashed without a fee. Please look into this and help to rectify this money grab. 
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 2016-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America closed my accounts without noticing me. I checked all credit reports and could not find any negative information. Now i have a XXXX. I have to spend a lot of time to open new accounts and transfer everything. It causes me huge problems.

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 2015-06-26
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: URS Holding, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I received a call from All Trans Financial on XXXX/XXXX/2016 at XXXX XXXX from XXXX saying they were representing XXXX on a Financial Matter, This matter was listed under my bankruptcy and that bankruptcy was discharged in XXXX 2016.

Company response to consumer: Closed
Consumer complaint received 2022-05-05
Company: HW Holding, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hunter Warfield has called me today, XX/XX/2022, 3 times already. Times for each call in XXXX have been : XXXX, XXXX, and XXXX. This seems rather excessive and they do not leave a message. The number was the same each time : ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Credit Bureau stated they properly investigated my account but that can not be possible if " XXXX XXXX XXXX '' is still present even though they stated it was removed. Also these accounts being placed on my report have violated my rights XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXS XXXX XXXX XXXX XXXX XXXX ) 15 U.S.C 1681 section 602A. states i have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-03-01
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reached out to the collectors and they agreed to delete it because the information is wrong, but now XXXX has had another credit agency trying to collect which is Enhanced Recovery Co L

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I RECEIVED XXXX CREDIT CARD ( VISA ) FROM CITIBANK YESTERDAYXX/XX/2015. IT WAS XXXX FOR ME & ANOTHER WAS MY HUSBAND. I NEVER EVER REQUESTED A CREDIT CARD FOR MY HUSBAND. I AM VERY UPSET WITH CITIBANK, HOW THEY GOT HIS NAME. MORE OVER CITIBANK 'S CUSTOMER SERVICE ISVERY POOR. CUSTOMER SERVICE IS OUT OF U.S.A. & THEY DO NOT HAVE ANY RESPECT FOR CUSTOMER. THEY DROP CUSTOMER CALL WHEN EVER THEY LIKE TO DO SO. THIS IS VERY RIDICULOUS. CITIBANK SHOULD BE PUNISH TO DO SUCH ACTION WITHOUT PERMISSION OF CUSTOMER.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-04-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On the Consumer Financial Protection Bureau web site, at : https : //www.consumerfinance.gov/about-us/blog/guide-coronavirus-mortgage-relief-options/, it clear states : " If your mortgage is a federally backed mortgage, you have two mortgage relief options under the CARES Act : '' and 1 ) " ... if you experience financial hardship due to the coronavirus pandemic, you have a RIGHT TO REQUEST A FORBEARANCE FOR UP TO 180 DAYS. '' CHASE BANK is the service provider for my XXXX XXXX XXXX, and THEY ARE NOT FOLLOWING the guidelines as stated by CARES Act or the CFPB site info above. 

1 ) Chase is NOT giving a 180-day forbearance, but only a 90-day forbearance. Please see this link : https : //www.chase.com/digital/resources/coronavirus/mortgage Click to expand the section, 'My income is impacted by COVID-19. What can I do to get help with my mortgage payment? ' There it clearly states, 'Sign in here to request this 3-MONTH protection. ' ( NOT 180 days ) There is ZERO information about how long a forbearance request approval will take, how the missed payments must be repaid, and the Chase home page advises customers not to call as they have limited hours now and too many calls. The lack of information is unfair to borrowers. 

There should be ONE SET OF GUIDELINES for COVID-19-related forbearance, for ALL SERVICERS, instead of asking millions of borrowers to find answers through banks that failed during the Great Recession and are failing now, to respond timely, to comply with the law ( asking for info that is NOT required for COVID19 forbearance ), and unable to answer the phone. 

This process is being made complicated by Chase, and needs to be addressed by XXXX XXXX, HUD, CFPB, and FHFA to avoid millions of persons having their credit adversely effected and unable to resume good standing. I DESERVE TO KNOW HOW I WILL BE EXPECTED TO REPAY THIS. Placing payments at the end of the loan, automatically, which reduce the stress and diress MILLIONS like myself are facing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: High Point Asset Inc
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
they called me and accused me of taking out a payday loan and after proving to them that it was not me they started making treats saying that they were going to take legal action against me if I did not pay them money

Company response to consumer: Closed with explanation