BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My Bank of America checking account had been overdrawn for a few days by the time I got to the ATM ( XXXX/XXXX/2016 ) so I knew I had to replenish funds as soon as possible so as to avoid another " overdrawn balance charge ''. On XXXX/XXXX/2016 at the ATM, I selected the option to view my balance. My account did not reflect another overdrawn balance charge ( each XXXX is {$35.00} ) so I assumed incorrectly that I had made the deadline and dodged another charge. My account was brought to a positive standing and that day I had spent money-I ended up checking my bank account by that evening ( XXXX ). It was {$7.00} and some change. I did not use my debit card at all XXXX so I was extremely shocked to hear my fianc inform me that my account was negative again! ( He tried to use my card but it declined ). Bank of America assessed my account what they call an " extended overdrawn balance charge ''. I called their XXXX number XXXX XXXX XXXX XXXX ) and spoke to a representative and when she said she could not do anything, she got a supervisor on the phone. After 10 minutes of waiting on hold, I was speaking to a manager who introduced herself as " XXXX. '' I explained the situation and expressed that I feel it is dishonest and misleading to charge my account an " extended overdrawn balance charge '' when last time I looked at my account activity, it was positive. I told " XXXX '' this extended overdrawn charge should have been reflected to me automatically not a day after I deposit funds. She said " the soonest our bank could have reflected that would have been the next business day ''. I asked her " what time specifically was this extended overdrawn charge applied to my account on XXXX? '' She informed me " there was no way she could tell me that information. '' Not only is their overdraft charge system completely unfair ( does a corporation really NEED {$35.00} each time from each customer? ), Bank of America 's processing system which does n't reflect real-time balances is intentionally set up the way it is so as to continue misleading customers. I am recent XXXX from the University XXXX XXXX XXXX and not currently working. My family of XXXX is being supported by XXXX income. {$35.00} being taken from me by Bank of America makes me feel so infuriated. Real families who work so much they barely have time to see their children grow up are being constantly robbed of their hard-earned money by a banking corporation that creates rules that enables them to take take take.

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 2021-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX XXXX is continuing to tarnish my credit profile and harm my ability to receive new credit by incorrectly reporting I owe a debt that has been proven to not be mine. After repeated requests they refuse to provide a signed contract by myself and sent a printed letter with an incorrect date of birth attempting to prove the debt belongs to me. 

I've told XXXX, XXXX  and TransUnion that the information is incorrect and it keeps reappearing after being repeatedly told by agents that the company will be blocked from my 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 2021-07-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out via certified mail to the following companies and asked for proof that I gave permission to submit hard inquiries on my credit account and they have either not responded nor removed the inquiries as legally requested, since they were not able to show proof of my request. 

XXXX XXXX XXXX ( XXXX XXXX, XXXX, SC XXXX XXXX XXXX, XXXX, GA XXXX ) XXXX and XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ) XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, XXXX, SC XXXX ) XXXX XXXX  XXXX ( XXXX XXXX XXXX, XXXX, OH XXXX ) XXXX XXXX ( XXXX XXXX  XXXX, XXXX, TX XXXX ) XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, FL XXXX ) XXXX Also, the following Bureau 's have been PAID off and the accounts are now closed ( proof of payments available ). I have reached out to the companies and requested that the accounts be removed from my credit reports. They have agreed to remove the negative remarks and accounts from my credit report however they are still showing. 

XXXX XXXX XXXX ( On behalf of XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX ( On behalf of XXXX XXXX ) I am kindly asking AGAIN that these items are removed from my credit report, as they are either unrecognized and not proven to be mine or have been paid and legally agreed to be removed and they are still showing on all 3 credit reporting platforms ( XXXX, Experian, and XXXX  ). 

Please Please Please Remove. 

XXXX XXXX ( SS # XXXX ) XXXX XXXX XXXX  XXXX. 
XXXX XXXX, TX 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 non-monetary relief
Consumer complaint received 2016-10-03
Company: MicroBilt / PRBC (formerly CL Verify)
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
Microbilt pulled my credit report on XX/XX/2016 without my permission. They are reporting to XXXX that a credit inquiry occurred which I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, 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:
It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed Fraudulent accounts and information completely from my Credit File. I was a victim of identity theft and that the accounts I am disputing were the results of such crime. I have been asking to the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies od proof of verifcation if the Credit Bureaus claim that the disputed items belong to me. The Credit Bureaus have failed to send me copies of documents I have been asking from them. I have also sent dispute letters to the Credit Bureaus attached with complete documents of proof of identity and Identity Theft Report I received from the FTC. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and requesting the Crediet reporting Agencies to remove the disputed items before I am forced to take legal actions. Once again, please remove the following items completely from my Credit File : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
On XX/XX/XXXX one of my savings accounts had {$150.00} with no pending items. The one bill I pay from that account comes in about this time, so I transferred {$30.00} from another account In the morning of XX/XX/XXXX. In the afternoon, the {$170.00} payment was debited and Wells Fargo charged me {$35.00} as an overdraft. I have XXXX different accounts at the bank and never have opted in to overdraft on any of my savings accounts, that would make no sense. I called to have it refunded because this is a violation of Regulation E. The rep and her supervisor would not refund the full amount, claiming that savings accounts are not covered for overdrafts that are the result of an electronic payment. I 'm not an attorney, but I respectfully disagree with the bank. At any rate, the savings account could have automatically transferred funds from its linked checking account or any of my other XXXX cash accounts.

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 2017-01-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
The repayment options offered by Navient that are for those who ca n't afford standard payments do not factor in all life expenses. I am married, both my wife and I have high student debt consolidated through Navient. We have XXXX children, XXXX in XXXX school, XXXX in day care. We both work full time, have a townhouse, XXXX cars for traveling to work and transporting the kids, and have multiple household expenses. When applying for different repayment options through Navient they sometimes cost more then the standard or close to it because Navient does not account for all the other expenses that we have as a family as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
n accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. Account # XXXX XXXX, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under, 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 a account without my written instructions ACT S 611 ( 15 U.S.C S1681 15 U.S. Code 1666 - Correction of billing errors STATES CONSUMER CAN NOT REPORT LATE PAYMENTS AFTER PAID IN FULL

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 2016-07-29
Company: Navient Solutions, LLC.
State: CA
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 am an XXXX XXXX XXXX enrolled in the XXXX Student Loan Repayment Program. During my eight years of education I incurred a loan debt burden of about {$200000.00}, divided into dozens of smaller loans ( XXXX, XXXX, consolidation, etc. ) and spread among XXXX lenders, with interest rates ranging from 2-7 %. 

I have XXXX student loans that are currently owned by Navient. XXXX of these are at a 6.8 % rate, XXXX at 2.3 %. When the XXXX sends a lump sum payment each year, Navient distributes that payment evenly over all XXXX loans, even though some carry a high interest rate and some carry a low XXXX. When I request to have them apply this payment only to the higher interest loans, I am told that they can not because the XXXX will not allow them to. When I informed the representative that the XXXX has no such regulation, I was informed that this is " guidance from the XXXX. '' While this seems like a trivial complaint, it will cost me ( and the XXXX ) thousands of dollars over the life of my loans. 

Last year I filed this complaint with the XXXX. Navient acquiesced to my request to redistribute my payments after being contacted by the Ombudsman 's office, but they reversed the changes after an " internal audit '' a few months later, after the complaint had been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Navient Solutions, LLC.
State: CT
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:
Hi, A little over a month ago my father passed away unexpectedly. He was the co-signer of a couple of my student loans that I have with Navient. I havent missed a payment on any of my loans in 3-4 years at this point. I got a call yesterday from Navient alerting me that one of my loans that was co-signed by my father was referred to XXXX XXXX and that they were responsible for collecting the $ XXXX balance that was left. I talked to the woman that called from Navient and got the account information from her, logged onto my account and compared the information to what she was telling me. Come to find out that this loan she spoke of, was co-signed by my father and mother. This was after the lady on the phone was trying to tell me that I needed to apply with my mother as a co-signer or this loan could default if I didnt take action. My mother was already on there as a co-signer!!! They referred this loan to a debt collector when nothing was wrong!! My father passed away, but my mother is still around, and she is on the loan already. This has caused so much XXXX to my mother and I during this already tough situation. She has been dealing with an estate lawyer, and having to go to probate court, and now this unnecessary burden on top of things? This is completely uncalled for, and something that should not have happened. I am at risk of hurting my credit score for something completely out of my control. Something needs to be done about their terrible and unethical handling of this situation. This is out of control!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: Navient Solutions, LLC.
State: NY
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:
Navient maliciously does not allow you to pay off higher interest loans, even after bringing it to their attention. I called customer service after trying to pay off a 6.5 % loan and the customer service rep said " let me log into your account, it should allow us to choose which loan you would like to pay off. '' After he logged in he found the EXACT same thing as me, it automatically applies the payment to the lowest interest rate loan. All he could say to me was " that is really weird, it wont let me either but it should. Give me 24 hours XXXX and we will have it rectified. '' Well, I gave them more than a week and the website still does not allow you to choose which loans you want to pay off. With XXXX Americans in default you would think the US Govt would want people like myself trying to pay off their debt EARLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2016-06-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get XXXX calls a day eveyday between Monday and Friday and i am paying my bill every month and i am to the point that this is harrassment. I want it to stop. They leaving constant messages calling from all different numbers.

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 2016-08-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am disputing the answer from Wells Fargo under the following reason : On XXXX XXXX, XXXX in a settlement with California 's attorney general Wells Fargo agreed to provide loan modifications to all those homeowners who had a pick-a-payment. Therefore, Wells Fargo provided a Home Payment Relief Program '' ( HPRP ). Under this program Well Fargo promised to provide with interest rate reductions, term extensions, tax forgiveness, insurance advances, and principal forgiveness. I, as a homeowner with pick a payment, qualify to a loan modification under Wells Fargo Home Payment Relief Program but Wells Fargo keeps denying it for many years of this right. 
Every time I had apply for a loan modification, they ( WF ) had used my present circumstances to different programs but not the one under the HPRP which to my knowledge, it is a legal process that Wells Fargo had agreed to comply with under the settlement already mentioned. As an example of Wells Fargo tactics not to comply with the settlement, other than mine, there was a litigation on XX/XX/XXXX where WF was found not in compliance with the settlement of XX/XX/XXXX ( U.S. District Court in XXXX District of California No XXXX ). The point here is that Wells Fargo just keeps avoiding their responsibility to help homeowners with changing the pick a payment loans by providing a loan modification under different guidelines. 
I have tried to work this issue with Wells Fargo repeatedly month after month for years but they had kept playing " smart ' by using the regular guidelines and not the one it is suitable for my situation. Wells Fargo has fall short on their responsibility and I strongly believe they have to grant me a loan modification under their Home Payment Relief Program for pick a payment loans. For this reason, I had summited this formal complaint with you the Consume Federal Protection Bureau ( CFPB ) hoping to have a result favorable to my case at the end. 
I really appreciate your consideration in this matter and hope to hear from you soon. 

Regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I asked for verification of this debt by certified mail. I also asked them to send me a signed contract between LVNV/Funding/ Resurgent, but they have not supplied me with this information. They do not have a legal right to ask me to pay any bill that was not initiated by contract between this company and XXXX XXXX. It has been more than thirty days since my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
Bank of America is charging me 30 % in interest. They are not willing to work with me. I have been very sick. I always paid on time. I have four accounts with the bank. I was never late until I got sick in XXXX. I got behind on my one card. I made a payment in XXXX to bring my balance down to {$12000.00}. It is now {$12000.00}. I called on Monday XX/XX/2021 to get some help. They refused. They had me down as being deceased. I asked if they could stop the bleeding with the late charge and interest and they refused. I had to call to get that corrected twice. They advised that they can not help till it gets 6 months past due. PLEASE HELP STOP THE BLEEDING. STOP THE HIGH INTEREST RATE OF 30 % AND LATE CHARGES. I HAVE BEEN SICK WITH COVID AND HAD A XXXX XXXX. THEY REFUSE TO HELP

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 2015-09-15
Company: WELLS FARGO & COMPANY
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I was incarcerated for four months ... at which point. I was having Idaho state insurance fund direct deposit checks for workers comp.. this was XXXX to XXXX my bank account was being spent via my debit card .. when I got out I found my account to have insuficiant funds .. I filed a fraud claim and verified my imprisonment and tried to get the money back and was denied most of it ... I have bank statements,,, and would like help getting the money and any applicable interest ... about XXXX dollars and 18 months time so far I figure 21 % interest is sufficient

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
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:
There is one account on my credit report that is not mine I dont know where it comes from or why its on my report I have no account like this I have not signed or authorized anything like this. 

XXXX XXXX - Acct # XXXX Amt {$300.00} Opened XX/XX/XXXX XX/XX/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 non-monetary relief