BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: WV
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 check my credit report on an annual basis for accuracy. I have been divorced and provided information for my legal name change. My report ( after numer efforts appears to have been updated ) BUT a mailing is still being addressed in the WRONG NAME contaiing my pesonal information to the wrong addressee! I received two mailings from two different Equifax XXXX XXXX XXXX. A mailing dated XX/XX/2022 from XXXX XXXX XXXX, XXXX XXXX XXXXXXXX is being sent to the wrong addressee. I am not concerned with the address as I am in the process of moving BUT the last name continues to be showing up and is no longer my legal last name. My legal last name is XXXX, NOT XXXX. I am attaching a .pdf of the mailing addressed to XXXX from XXXX XXXX XXXX. Their seems to be a disconnect in Equifax system being synced. I am providing a 2nd mailing from Equifax from XXXX XXXX XXXX which was sent to the correct last name to the address I am moving from. WHAT IS GOING ON!! My credit information, file, dispute responses or anything should NOT be addressed to XXXX XXXX as that is NOT my legal last name but the system is still INCORRECT. I have attempted to contact, notify and have this corrected directly with Equifax numerous occasions over the past XXXX XXXX years!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am following up on a complaint that was filed a few months ago, # XXXX. US Bank still has not reimbursed our checking account for the {$15000.00} that was stolen. This has been going since early XXXXUS Bank allowed a check that was white-washed from {$40.00} to {$15000.00} to be cashed even though a stop payment was put on the check prior to the check being cashed. I don't understand how this is even our issue. What's the purpose of 'stop payment ' if the banks are going to cash the checks anyway? If this isn't resolved I will be forced to seek legal advice.

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 2017-01-25
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:
As of my graduation date in XXXX, I did not receive any bill from Navient or who ever was Navient prior to changes of the loan servicers. So I called Navient because I wanted to get my loan information ( payments, due dates, balance ect. ) and make a lump sum payment from a graduation gift. So after I made my lump payment of about {$4000.00} in XXXX, I asked Navient customer representative when my next payment is due. The individual specifically stated that no payments were needed until XXXX. Being an XXXX, I realized I would still be accumulating interest, so I asked the individual what my minimum monthly payments are going to be. I wanted to still pay down on interest and principal even though nothing was technically due till XXXX. The individual stated that my minimum monthly payment is {$70.00}. I took the customer representatives word. Subsequently, I made payments above the {$70.00} around {$80.00} - {$90.00} as it was difficult economic times. Around end of XXXX, I realized I had not received any paper bills nor loan package details ( amortization schedule, Repayment Schedule ) in the mail stating any repayment terms from Navient. So I entered into my online Navient account to discover that my {$90.00} payments a month was n't even covering the interest that was accruing on my loan. I then called to speak about the matter stating why they told me a minimum monthly payment amount that was n't even covering the interest that was accumulating. Navient was n't very responding to the matter. I paid an additional {$1300.00} in interest that was not needed. I had the economic means to pay a higher monthly payment but took Navients customers representatives word that the minimum payment was {$70.00} a month. The {$70.00} a month did n't cover any interest it basically added interest to my loan and differed my repayment of the principal. I believe this was a deceptive act by Navient and I am deeply saddened by the news that Navient has been doing this to many more borrowers in addition to myself. Economic times in XXXX were not very robust and this additional interest costs have been a burden. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: DISCOVER BANK
State: NC
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:
DiscoverCard is falsifying documents to the XXXX XXXX XXXX XXXX, violating federal law. 

Today they responsed to a dispute and willfully without regard to my right to due process, they provided fictitious informaron to the governor and I am reporting them to the XXXX XXXX United States XXXX office tomorrow. 

They responded that dispute XXXX is a duplicate of XXXX when clearly it is not a duplicate. 

These XXXX at DiscoverCard has also reported to my credit file that I made payments when I did not make any, and they tried to get a collection agency that masks themselves as a attorney to collect over {$1000.00} more than they say i owe. 

I demand an investigation and I demand for a response to these allegations. 

Im not gon na let this go XXXX XXXX up there in DiscoverCard nobody will anything about it but I have a voice too and Im going public on you and your creepy ambulance chasing company. 

You broke the law and justice will be served. Wait for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no idea why I have this. I have had insurance and it all should of been covered under it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Once again we are trying to obtain a lower interest rate on my XXXX mortgage. The interest rate is 11.375 % and with the economy and lower interest rates that have been below 5 % Bank of America gives me someone to chat with and after all the information is sent to them, again and again, we stop hearing from anyone. B of A was to set aside monies to help people like me so please help us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-10-31
Company: Lockhart, Morris & Montgomery Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2021 I started training classes with XXXX XXXX to upgrade from a class B XXXX holder to a class A XXXX. These were train to hire classes meaning the instructors work for XXXX XXXX and we're there to solely train us to XXXX XXXX XXXXXXXX XXXX for the outcome of working for the company ( XXXX ). However, being harassed and things not going well with Mentoring, I specifically requested a female mentor instead I was given a male mentor, that didn't work, I requested again for a female mentor and yet again they were trying to give me a male mentor. I felt as if they were recruiting for something other than a driver so I didn't begin working for them ( solo without mentor ) I am now being harassed by a debt collector ( displaying on my credit report ) that I owe XXXX XXXX over XXXX XXXX dollars. During the time of my training XXXX XXXX was not listed as an accredited school and the instructors work for XXXX XXXX. The debt collector nor XXXX XXXX representatives when calling gave me a clear answer as to how I owe XXXX? In fact, XXXX representative hung up on me. The debt collector ( Lockhart ) stated I signed an agreement to pay them, however, there were a lot of documents thrown at us ( the class ) to sign, I don't recall signing anything to that nature. When I requested the letter it was never sent to me. Therefore, I am still wondering how is it that I legally owe XXXX XXXX when they are not an accredited school? Who did they pay on my behalf that I would owe them over XXXX XXXX dollars? The instructors work for XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am XXXX and have been denied for a remodification of my loan. I successfully completed the trial, Unfortunately due to my illness I need XXXX upgraded in my house for my XXXX. During which time, I had to move out of my home and keep up the expenses at my home and still ( rent ) another place, while being on a fixed income. I 've been in my home for 20 years and it is all I have. I 'm asking now that I 'm back in my home, is for the payments that are behind to be put on the back of the loan. I have nowhere to go, Please help I want to keep my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: Transaction issue

Complaint:
I am writing to your agency in hopes that you can assist me to dispute some charges done on my Bank of America card by these fraudulent companies : XXXX and XXXX LLC. 
I got contacted by these companies by unsolicited telemarketing phone calls. I have paid these companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated XXXX XXXX company that I would like you to dispute the charges is XXXX they promised me to build me a website, do XXXX work, coaching. They said they would do all the marketing required to have a successful business. I never had any progress reports on marketing and no sales. Seemed vague as to what they were doing to push the website. The second company that I would like you to investigate the charges is XXXX.They said they would build me a new website, do all the marketing, increase my traffic and sales and google ranking. They promised me I would start making {$4000.00} profit per month after XXXX months. They vanished in XX/XX/XXXX, and when I wrote them an email to request to cancel they sent me a mass email that it seems like a scam email, stating that I owed them money that my monthlies {$99.00} are past due, and that I needed to make those payments. They did not provide the services and before my XXXX months were up they stopped answering my calls. I never made any money, and I never got any results from whatever they were doing. 
I realized I paid thousands of dollars for these companies. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with and get my refund but they ignored my requests.

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 2022-10-31
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 i saw some inquires on my credit report i have not given any of these banks or companies my written or verbal permission to pull or check my credit 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 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 2016-04-18
Company: Navient Solutions, LLC.
State: GA
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:
In XXXX XXXX, I applied for Income-Based Repayment plan with monthly payments of {$0.00} from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, I received an email stating that a new education loan document was available online. It was approval notice from XXXX XXXX for my IBR plan. I kept receiving monthly notices about my payments with amount due of {$0.00} and due date. 
All of a sudden, on XXXX XXXX, XXXX, I received an email no longer from XXXX XXXX, but from Navient stating that my amount due was {$2900.00} with due date XXXX/XXXX/XXXX. I called Navient asking for an explanation. Customer rep told me that most likely the information was n't correctly transmitted from XXXX XXXX to Navient when Navient took over servicing my loan. The rep asked me to submit another application with Navient online instead of via fax like I did with my original application for XXXX XXXX. I also explained that I had my original approval notice from XXXX XXXX. The rep reassured me that the new approval notice would retroactively cover the original period with {$0.00} amount due and no late payments would be reported on my credit reports. To date, my XXXX report is still showing incorrect payment history. I have contacted Navient and forwarded all my original documentation. Several representatives reviewed my documents and agreed that although they could not locate my XXXX XXXX original documents, the loan is showing as always {$0.00} amount due and therefore no late payments should be reporting. On XXXX/XXXX/XXXX, I received a notice from Navient that they had reviewed my documentation and the late payments are accurate. When I contacted Navient again on the same day, another rep told me I should have forwarded my original documentation which I did. On XXXX/XXXX/XXXX, I received a call from XXXX XXXX, who was rude I told me that Navient does n't have any documents showing that my IBR was approved in XXXX and the late payments are accurate. 
The level of incompetence of Navient and its employees and representatives is without precedence. I have yet to get 2 Navient reps who will provide me with the same information. And the individual representatives admitted that lots of information was lost or mishandled when Navient took over servicing loans for XXXX XXXX in XXXX. If the late payments were truly accurate on this account and I had never made a single payment towards the balance, there would be a passed due balance showing, but there is none. Fortunately, I have kept all my documentation from XXXX XXXX and furnished it to Navient, but Navient will go to any lengths to admit and correct its mistakes. A sorry excuse for a national student loan servicer!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: CHERRY CREEK MORTGAGE COMPANY INC.
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
My wife and I began our relationship with XXXX XXXX XX/XX/2015. His company is : Cherry Creek Mortgage , Inc. 
XXXX XXXX XXXX XXXX, # XXXX XXXX, CO XXXX XXXX # XXXXOur purpose in contacting XXXX XXXX was for the purpose of refinancing our XXXX mortgage. XXXX XXXX also found a financial institution to refinance our XXXX mortgage. Things seemed to be progressing smoothly. XXXX XXXX advised us verbally not to pay our XX/XX/XXXX mortgages as we would be closing on or about XXXX/XXXX/15. As you can see by the emails I have attached to this complaint, XXXX XXXX continued to advise us not to pay XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX mortgages. And then, ultimately we would have to pay those months causing us to be late. On XXXX XXXX, my wife sent XXXX XXXX an email expressing our frustration that he does not return our phone messages and we have no idea why these refi 's have not taken place yet. My wife left XXXX voice messages on XXXX XXXX 's voice mail on Tuesday XXXX XXXX and send him the final email attached. We never received a response. My wife and I are now faced with losing our home because we now have " late '' payments on our mortgages and are not able to re-fi with another institution. XXXX XXXX is incredibly unprofessional. He does not respond to emails nor does he return phone calls. It should not take 6-7 months to do a re-fi.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have been a Bank of America customer for about 10 years holding multiple money market accounts, checking and savings accounts. i also had several credit cards which i paid in full and never had an outstanding balance on. my credit score is above XXXX as well. last year i received letters from BOA stating that my XXXX credit card accounts were closed and my checking and savings were to be closed within 30 days to make arrangements to get my money. no problem. my concern was the XXXX points i have EARNED with my royal XXXX card. they told me i could n't get the points to redeem because the account was closed i advised them the contract says if i close the account i will lose it however i was given no warning about the closure or given the opportunity to redeem the rewards i earned and received. they would not give me a reason why the accounts were closed and just said it was a business decision. i called corporate and all, and got nothing. i was only concerned with having to redeem my points but they refused to honor the fact THEY closed my account and i did not breach the terms and conditions which is extremely unfair. i earned those points and rewards and am entitled to them. i have contacted a civil attorney to fight for whats morally right here. since, i have a new bank and have no issues. even the BOA branch had no idea why BOA corporate " ended my relationship '' with the bank after 10 faithful years and abiding by call contracts. i had used this card faithfully for several years and paid the card in full faithfully, never missing a payment. I earned thousands of rewards points and was n't given the opportunity to redeem them because BOA closed my account without any warning ( as they sent me a warning letter for my checking and saving ) why couldnt they do the same for the credit card accounts. this has to be a scam or a breach of security or contract on their end! they refuse to provide me with any details or explanation which can not be right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Navient Solutions, LLC.
State: VA
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:
Hello, I am the co-signer for my son 's private college loan and was frequently making payments to XXXX XXXX, now Navient. To make a long story short, XXXX I called Navient to discuss lowing my monthly payments from almost {$300.00} shared amongst XXXX loans and the rep wanted to know why I was paying so much anyway. She shared that XXXX loan payment was XXXX and the other payment was XXXX. I set up automatic payments through my online banking and thought all was well. XX/XX/XXXX, I began receiving harassing phone calls from Navient telling me both loans were behind and that the agent I spoke with XX/XX/XXXX provided incorrect information. On XX/XX/XXXX I spent over an hour with Navient and was approved to be placed in an extended program to lower my monthly payments to {$140.00} twice a month for both loans until XX/XX/XXXX. I thought all was well until XX/XX/XXXX I started once again receiving harassing calls from Navient for more money and I learned that the agent who enrolled me in the extended program on XX/XX/XXXX made a mistake in my banking account number so I was removed from the program without my knowledge, which made my loans even further behind. I spoke to a supervisor on XX/XX/XXXX who assigned an agent to help re-enter me into the program and I paid {$170.00} to bring both loans up-to-date. Today XX/XX/XXXX I received a letter from Navient saying I again was kicked out of the program because the XX/XX/XXXX payment was not received even though there was knowledge their agent made the mistake. The agent requested I bring both accounts up to date and that the {$140.00} agreed upon XX/XX/XXXX was incorrect. She offered to put me into another program but wanted me to bring the loans current. At this point, I 'm afraid to do anymore business with Navient due to all the incorrect information provided by the agents. This agent even told me that the previous agents I spoke with maybe no longer works for Navient and that they did n't have the proper authority to place me in any programs ; possibly they no longer works for the company. Something shaddy is going on with this company and I am reluctant to do anymore business with them until somebody looks into their practices. I would like to for once speak with someone about my payment options to bring my loans back in good standings but I 'm afraid to do business with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
The reason for my complaint is because someone did a fraudulent account take over on my best buy account. I had paid off the account and have been in florida for the last 10 months. I still own my home in which the billing is being sent too but being that I did not have a balance on the account I had no reason to be worried for any payments on my account. I found out the account takeover when I purchased an XXXX credit report and saw my best buy account as a charged off. I have tried to call in to speak to best buy about this and continue to be put on hold and transferred around. I do not have my card in my possession and do not know the full account number but do have the partial from the credit report XXXX and my social is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation