BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
A CASH deposit was made into my Bank of America account and I am not able to access the funds the same day. This is outrageous. CASH deposits should be made available immediately, not the next day. It is not right for Bank of America to hold my cash for a day for no reason. This is beyond the pale of reason.

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 2016-04-04
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient XXXX This companies phone system is purposefully misleading, hangs up on students trying to make payments, and purposely does n't provide a way to get ahold of a representative. I think their practices are designed to mislead and postpone students trying to make payments in order for them to collect late fees. If they secured the right to service these loans then they are obligated to provide a CLEAR way for students to make payments and address issues. They should be penalized for their failure in this area just as ( I 'm sure ) they penalize XXXX students who are trying to pay their loans in good faith, but are unable to due to their policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
i disputed my personal information with them because they had lots of other incorrect names and addresses

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 2016-06-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
all credit agencies reporting id fraud account that not mines .... '' child support and XXXX '' ..and outdated reporting infor since 2000 over 16yrs old and continue to refresh data/ date

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
XXXX/ACCT XXXX used an expired Bank of America debit card to charge a fee. Bank of America allowed the debit which overdrew my account. They refuse to refund the {$35.00} 00 fee. I am trying to close my account which is why the debit card is expired.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Fraud or scam

Complaint:
J.P. Morgan Chase Bank deliberately withheld a Pre-Paid account over {$3000.00} of monetary Unemployment Insurance compensation benefit since XX/XX/XXXX ( over 3 years ). The actual amount is undetermined due to interests charged by J.P. Morgan Chase Bank against me, as told to me by JP rep via phone. I was not informed about this account for over 3 years until I applied for UI benefits back in XX/XX/XXXX ( refer to XX/XX/XXXX UI 's Monetary Benefits Determination and XX/XX/XXXX Employer Questionnaire documents ). Did XXXX combine both the XX/XX/XXXX {$3000.00} Pre-Paid Card Account amount to my XX/XX/XXXX UI application submitted in XXXX? This XXXX application triggered JP Morgan to immediately mail me notification about money withheld since XX/XX/XXXX. Where is the the XXXX?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am not really sure who to complain about. I was delinquent on XXXX XXXX XXXX cards. On XXXX/XXXX/2014, I came to a settlement, in court, with a law firm XXXX, XXXX, XXXX XXXX. This law frim claimed that they were representing XXXX XXXX, and was not buy my debt. I believed them, and signed a settlement paper to pay them {$25.00} a month, until the total amount was paid of. Meanwhile, I have been getting collection letters from Portfolio Recovery Associates, attempting to collect. I looked at my credit report and saw that both XXXX XXXX AND Portfolio Recovery were listed as companys that I owed. When I contacted XXXX XXXX, they told me that they sold my debt to Portfolio Recovery. Why am I paying XXXX, XXXX, XXXX XXXX? Do they actually own my debt? Was I duped by them, in court, when in mediation they answered that they represented XXXX XXXX? If so, this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: U.S. BANCORP
State: FL
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:
WHEN CHECKING ALL THREE OF MY CREDIT FILES US BANK IS REPORTING INACCURATE AMONG THE THREE CREDIT BUREAUS. VIOLATIONS 15 USC 1681 US BANK IS IN.

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 2016-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Multiple claims were filed due to fraudulent activity on my debit/atm card. The claims were denied without being provided any documentation. I filed a claim for XXXX but the representative entered it as XXXX. This is a clear disregard as to the initial claim. I contacted b of a XXXX XXXX XXXX additional times with no response at all. I have not been contacted by any claim specialist and my claim is not even showing in their system.

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 2015-03-31
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient Solutions XXXX Inc. ( formerly XXXX XXXX ) locked me out of the online payment system without notice, suspending my ability to make payments on my account, the reason they stated for this account suspension is because I sent XXXX XXXX a letter in XXXX of 2006 asking them not to contact me my phone about my account. I have been making online payments since 2006 with no problems until now. I have receive NO correspondence from Navient about this action. My account was turned over to their litigation department and I believe they are trying to force my account into a default status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My original loan was for XXXX of the total I owe on my loan at this time. I was always told if I can not afford to pay to put my loan in forbearance not realizing that all interest would be tacked on to the end of my loan and I would be stuck with 3 times the balance. I called multiple times to find out about how to reduce my payments and was never led in the right direction other than to forbear. I was not making a lot of money and could not afford to pay when my balance was XXXX and approximately one year ago I began to make more money and called to get the ball rolling on repaying my loans to find out that I owe XXXX and can only afford to make interest only payments even with my higher earnings. I requested a loan forgiveness but I am told I do not qualify, I asked if I could come to an agreement with them and pay a lump sum to them to clear the debt but they do not offer any such payoff types. I have a family of XXXX including myself and my wife and this added huge debt that occurred over years of being told to forbear my loan and has now created a never ending payment that even into my retirement years ( if I can ever retire ) I will still be paying a huge monthly bill for these loans. I borrowed maney for college not realizing that I would work for my entire life to repay them and can now find no help from my service provider Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: Integrated Recovery Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Debt collector going by the name of " Integrated Services '' threatened actions that they are not legally able to take. I asked them for their address and they became evasive in flagrant violation of the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: NC
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 personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2022-11-03
Company: Nelnet, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I understand that I had promised to pay NELNET {$10000.00}. I was paying on this for 10 years and 7 months faithfully. I was attending XXXX XXXX through XXXX XXXX who was doing money laundering schemes and tricked many of us students into paying such high fees, which this link shows hard evidence : XXXX XXXX XXXX XXXX ) however, also, I read over the contract during a complete forensic evidence procedure, and I found that the contract has a few defects, and they may be in violation of ( U.S. Title 18 1001 ), where it states whoever in any matter within the jurisdiction of the executive, legislative, judicial branch of Government of the United States, knowingly and willfully falsifies, conceals, or covers up by any trick, scheme, or device a material fact ; makes any material false, fictional, or fraudulent statement or entry shall be fined under this title or imprisoned not more than 5 years. I want to get this taken care of. It is not my intention to not pay anything. I want to get this settled, so If they can kindly get back to me within 10 days with a fixed copy of the contract and a copy of their account ledger, where I can see clearly the GAP according to The Fair Debt Collection Practice Act. That would be great! I also noticed that I'm the only one who signed the supposed contract ; there is no other signature, which is also a violation of UCC Section 3-401- Where there is no signature the contract is void. So, again, i'll accept their presentment if they can get me what I asked for above within 10 days. If not, they agree the terms of the supposed contract is void. But If they get back to me with the information i asked, they agree I'll settle the matter with a promissory note. Without XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: URS Holding, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This collection agencies calls me throughout the day at my home and on my cell phone. I know that I owe XXXX XXXX and I am making every afford to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Note : this issue relates to an active offer to purchase a short sale property. 
1. A townhouse XXXX XXXX XXXX, # XXXX was listed for sale in XXXX 2016. We made an offer for {$400000.00} for this property through a realtor and was accepted by the seller in XXXX 2016. 
2. We understood then that this property was a short sale and required approval from the bank. According to the realtor, public records indicate the mortgage was taken by the seller through Bank of America. 
3. Since XXXX the bank has been going through its approval process. 
4. During the process they requested loan approval letters and financial documents three times from us. 
5. We were told by our realtor the final hurdle was a BPO for the property to be conducted by the bank. 
6. Per your communication the BPO was calculated to be {$410000.00}. 
7. The realtor then informed us that the bank wanted additional {$10000.00} from the seller in order to close the deal. 
8. We informed our realtor verbally that we were willing to increase our offer to match BPO amount making our offer {$410000.00}. 
9. Two days later in a phone call to our realtor, the realtor mentioned that the bank wanted an additional {$40000.00} without any explanation as to the reason for the increase. 
10. On hearing this increase, we requested a formal response or explanation for this increase as it was way above the assessed value/BPO ( conducted by the bank ) of {$410000.00}. 
11. We were not given a response. Our realtor suggested we cancel the transaction as 'there is nothing else we can do '. We do not understand why we are being requested to cancel or withdraw the transaction since we are interested in the property. We do not understand the increase in the amount from {$410000.00} ( BPO amount ) by another {$40000.00}. 
12. We suspect there is a foreclosure/short sale scam going on in the sale of this property. We have not been given an explanation from the bank or sellers agent as to the status of our offer that was previously accepted by seller and is the same as the bank assessed value of this property. 
13.We would lrequest CFPB to look into the short sale status of this property and help us understand if what the bank is doing is legal or if there is a foreclosure scam preventing us from getting this property.

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 2016-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
A bank account was opened in my name over 10 years ago at Bank of America. Also, I had an XXXX and XXXX account. I 've become a victim of identity theft to the extreme ; whereas, I 'm being stalked by individuals I do n't even know for my card XXXX pin number. Why? My best assumption is that maybe they are duplicating cards, not sure. Identity theft in XXXX has become very stressful and a health matter as well. I am writing to protect and secure my funds in account which, at this point, I am afraid to put money into accounts when XXXX, XXXX, XXXX XXXX College faculty members, or others can go into my account when they have relatives or friends working in financial corporation to hinder hard working XXXX Americans from becoming financially stable.

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 2022-09-24
Company: Open Dealer Exchange, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize XXXX XXXX to run my credit on XX/XX/2022. I also did not authorize them to run my credit through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I only authorized XXXX XXXX to run it through their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Linebarger Goggan Blair & Sampson LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Linebarger Goggan Blair & Sampson , LLP has sent a collections letter via USPS that violates the Fair Debt Collection Practices Act. 

A copy of the letter is included in this complaint ( XXXXXXXX XXXX XXXX Illegal Letter.png ). 

This letter is in violation because the letter threatens garnishment via FTB interagency intercept collection program. 

This is illegal because ; 1. Credit agencies accessing public records of the intercept program can use this data to negatively impact a credit score. Threats towards credit scores by debt collectors are illegal under the Fair Debt Collection Practices Act. 

2. According to the " Master Agreement XXXX. XXXX with Linebarger Goggan Blair & Sampson, LLP '' ( https : XXXX ) page 2 of 5 ( AGREEMENT section 2d ) " Contractor shall prepare an electronic file transfer for those accounts forwarded from Court that are eligible for the FTB Tax Intercept Program . 
Court will forward eligible Accounts to the FTB '' XXXX XXXX XXXX red light camera tickets do not fall under " eligible Accounts '' for interagency intercept collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
They sent me two cards and one was not paid for cents and they sent me on credit I think it was like a year and a half ago

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 2022-12-05
Company: EQUIFAX, INC.
State: IL
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:
The credit reporting agencies were made aware of the fraudulent activity on my report. They did not follow the federal procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National credit systems came after my husband and me for an alleged debt that we do not recognize or find fair and proceeded to dispute it. we asked for the debt to be verified and validated according to our rights but instead kept receiving documents and a letter stating that this alleged debt was " validated by the original creditor '' which does not provide us with any proof of owing this alleged debt, but instead kept ignoring our request for proper documentations and asked us to provide them with documentations. They also stated in their letter that they would delete or not report any of this to the major credit bureaus while in dispute which was untrue as they did and now our credits are being affected for a debt that has not been validated or verified according to our rights. We have sent all certified mail and kept copies of their response specifically stating that they would delete or revise all reports they might have made to the credit bureaus and instead failed to do so without any written notice. This has caused my husband and me a lot of stress and damage as we were in the process of attempting to purchase a property. This is in clear violation of the Fair Credit Reporting Act ( FCRA ) of the Agency 's failure to follow guidelines for handling disputes. as well as Failing to send us notifications about our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have been trying to remove negative marks from my credit report. Equifax has given me the hardest time. I had a tax lien with the State of Ohio. It is over XXXX years old and it has been released. It should be removed but it has not been. I feel that this is an unfair practice and should be resolved.

Company response to consumer: Closed with non-monetary relief