BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-10
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never received any notice from this collection agency. The collection agency is Midland Funding. I want this removed from my all three of the credit report bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Way back in 1996 I went to XXXX for XXXX semester. The school was a XXXX minute car ride and I had to withdrawal. At that time the I owed approximately {$6000.00} dollars in student loan debt. Since then my loan amount has been sold and transferred to different loan " servicing '' companies and the amount has ballooned to {$29000.00}. I feel that I am the victim of predatory lending practices and I need the help of Consumer Financial Protection Bureau. I would like to be able to pay back and finally be rid of this obligation but I wont be able to afford this very high balance. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Late fee

Complaint:
I have been a Bank of America credit cardholder since XXXX. Over the past year or so, the budget has been tight but I have a promise to myself to never miss an obligation even a credit card payment. Bankruptcy has never been an option and will never been an option for me. Things are back on track however over the XXXX months I have been billed higher interest, late fees and annual fees. The interest I can live with ( but preferably at a lower rate ) but the late fees and annual fees have totaled over {$300.00} in unwaived fees ( {$370.00} total ). I am a decent customer and I just feel like these late fees and annual fees can bury you. I am hoping to have the {$300.00} as a courtesy for being a customer for exactly XXXX years now. Often when I finally get the money to make a payment its sometimes hours after the cutoff time. Sometimes so close to the deadline that the website is down for maintenance. I am just hoping you feel my pain and waive the {$300.00} for my straightforwardness. Thank you. Again I am back at work making even more money but the past XXXX month have been tough. At XXXX you do n't expect what happened to me but I am back on tack with a clean bill of health. Please understand. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
Over the past several months, I have repeatedly asked Equifax to remove a bankruptcy that is inaccurately showing on my credit report. I have not only given them multiple examples of how the report is inaccurate ( dates, courts, XXXX ), I have also provided multiple laws that they are violating ( specifically MY PRIVACY ). I have contacted everyone that they claim that they have verified this information with, to which I have received confirmations where both entities state that they either do not report or do no longer have the information that Equifax is claiming. I am attaching all relevant information regarding this issue and would appreciate an immediate removal. It is a shame that they will not take full responsibility for their error, but continuing to LIE about said information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express re fuses to issue statement credit for card opened during eligible promotional period.   XXXX   XXXX   XXXX   My original inquiry to the Customer Service department has resulted in  2 inte rnal ' investigations ' that were both closed without any correspondence to myself by a representative of American    Express. My follow ups have failed to resolve the issue. The account is eligible as per the above press release verbatim and the promotion was the defining reason I applied for the account.
I attempted to resolve this issue with help from the Better Business Bureau ( c  omplaint #  XXXX   ) bu t that was met with no investigation to the actual issue and just passing 'notes ' back and forth between the company which is something I was capable of doing myself. The first attempt was a mailed letter from them in attempt to reach the default timeout period against the complaint.     The details on their very own press release ( link included in the original complaint message ) dated  XXXX   XXXX ,    2016  states very plainly that " New Card Members who apply by  XXXX   XXXX ,  2016  can earn up to {$200.00} cash back in the form of statement credits '' and that " Additionally, new Card Members will also earn {$100.00} cash back in the form of a statement credit ''.     My account is eligible for those promotions based off opening my card prior to the specified end date and meeting the purchasing requirements  ( all Wireless Phone Service payments for th e remainder of    2016  were made via the referred card and the second requirement of making {$1000.00} in purchases during the first month of membership was also met ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Navient Solutions, LLC.
State: FL
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:
Here 's a little story : I have private loan with XXXX, and I opted to make payments while in school to keep the balance from ballooning before I graduated. 

I noticed that my automatic payment was always debited from my bank account at the latest possible point in the monthly cycle, which meant that they were maximizing the amount of interest I paid every month ( and therefore minimizing how much of the payment went towards principal ). So I called them up, and asked them to kindly move up the date of the auto-payment to an earlier day in the month. The rep I spoke to said that it would not be a problem. 

On my next statement, they had changed not only the date of the withdrawal, but they also shifted the monthly cycle so that I would still be accruing the maximum amount of interest every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: MO
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 brought to my attention that the Credit reporting Agencies are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB complaint to help establish a legal recourse. My information has been exposed in the XXXX data breach. The following account, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. If the Credit Bureaus choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please have the following items removed as soon as possible : XXXXXXXX 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 Original Creditor XXXX XXXX XXXX XXXXXXXX Balance : {$410.00}

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 2015-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My client, XXXX XXXX took a refinanced mortgage from Bank of America in XX/XX/XXXX as part of his loan product ; he was offered an option of " The Bank of America XXXX XXXX Protection Plan '' which was essentially a life and XXXX insurance program offered by the bank for all borrowers. Initially the local bank attempted to pressure him into not purchasing the plan. He purchased it for a ten year term. In XX/XX/XXXX, Bank of America told him that it would be cancelling the his contract. After he vigorously protested, Bank of America reinstated him through XX/XX/XXXX for the full ten year term. XX/XX/XXXX, the Bank indicated that it was discontinuing the program. It stopped accepting payments after XX/XX/XXXX. 
While the contract had language allowing the bank to cancel without reason upon sixty days notice XXXX XXXX relied on the ten year period covered by the term of the insurance. He is now in his XXXX and is unable to purchase XXXX and life insurance at comparable prices ; he specifically entered into the contract to protect his teenage daughter, in the event of his death or XXXX. Based on Bank of America 's past actions of steering him away from the benefit and attempting to cancel it without cause in XX/XX/XXXX, I can draw no other conclusion that Bank of America acted in bad faith. This also appears to be a classic bait and switch tactic, where the bank offers a promotion to sell a product and once the protect is purchased, it withdraws the promotion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX I received a several emails from Bank of America concerning a bank account that was opened under my name. I call them within minutes to find out more information about it and to report this fraudulent activity. The associate at BoA was able to flag the operation but was unable to provide a written confirmation nor a descriptions of the actions taken. 

I requested for any information about the origin of the fraud but was denied to obtain it. I asked about how could someone could open an account with BoA and was told that the account was opened online. I informed the associate that I have an Active Freeze on my Credit Report and asked how come someone could open and account online with BoA if I have a Credit Freeze. The answer was that BoA web services do check on Credit Freeze status. 

I demanded why I was being denied access to any information about the fraudulent activity such as emailed used, location, time, etc abut the thug impersonating me was not asked for any verification beforehand. The answer was : Silence. I requested to speak to supervisor and was denied access. The answer : Not possible. 

After insisting on my demands and a few more minutes on hold, the associate informed me that she filed request on my behalf to request additional information but that the request had to go through an approval process that would take between 5 to 7 business days. 
Total lack of respect. Total lack of security. Total disregard for consumers. Defenseless against corporations.

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 2022-07-13
Company: EQUIFAX, INC.
State: GA
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:
MY NAME IS XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Navient Solutions, LLC.
State: MA
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:
Navient continues to report false information about my student loans. I have repeatedly asked Navient to stop reporting fraudulent and incorrect information to the Credit Bureau 's about my student loans which they refuse to stop reporting. I have now reported this to the Dept of Ed and also filed a Fraudulent Claim also with the Dept. of Ed. I have also contacted the Consumer Protection agency regarding this Fraudulent reporting. I have also now found further evidence about their fraudulent activities regarding the handling of student loans which I am sure I also qualify for : In itslawsuitandpress release, the CFPB alleges that, among other allegations, Navient " systematically and illegally [ failed ] borrowers at every stage of repayment, '' including : created obstacles to repayment by providing bad information ; processed payments incorrectly ; failed to act when borrowers complained ; illegally cheated many struggling borrowers out of their rights to lower payments, which caused them to overpay for their student loans ; deceived private student loan borrowers about requirements to release their co-signer from the loan ; and harmed the credit of XXXX borrowers, including severely injured veterans The CFPB also alleges that Navient improperly directed borrowers into forbearance when these borrowers otherwise might have qualified for income-driven repayment plans, and did not adequately keep borrowers in income-driven plans informed of deadlines to maintain their eligibility under such plans. " For years, Navient failed consumers who counted on the company to help give them a fair chance to pay back their student loans, '' said CFPB Director XXXX in a statement. " Atevery stage of repayment, Navient chose to shortcut and deceive consumers to save on operating costs. Too many borrowers paid more for their loans because Navient illegally cheated them and today 's action seeks to hold them accountable. '' In astatement, Navient denied all allegations and said the lawsuit was politically motivated. 
I have since sent Navient another updated and notorized Dept. of Ed/Navient Fraud document mailed today. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i used my pnc bank debit card to make a purchase for XXXX at XXXX. the item i purchased stopped working about a week later. i went back to the store with my receipt and tried to return or exchange it. the store refused and said no returns on open electronics but the policy online says i have 30 days to return an item for an exchange or refund. i contacted pnc bank and was told i was protected for damaged or defective items as long as i can provide proof of purchase and date of purchase. so i filed a dispute and was told that it would take 45 to 90 days for a resolution and within ten days i would be issued a provisional credit pending the outcome of the review i called this morning to check on the status of my case and was told it was denied but refused a reason as to why. i was never able to provide documentation as to my side of the case. i feel that these actions violated my financial due process rights under XXXX XXXX laws and demand an inquiry of this matter and a reversal of this decision

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
1. XXXX XXXX is a service which reports an over viewof my personal credit. 2. XXXX XXXX is a service of XXXX XXXX ( cc ). 3. XXXX XXXX is provided/informed by Transunion who supplies the information. 4. There is a significant disparity between the percentage of payment history between XXXX XXXX and Transunion reports. The incorrect version is on XXXX XXXX. 5. XXXX XXXX is a service which also reports an overview of my personal credit. 6. XXXX XXXX reports both XXXX ( this is not germane to this issue ) and  Transunion information. 7. The Transunion section of XXXX XXXX and the Transunion credit history are in agreement and correctly reflect my credit payment history. 8. My correct payment history is 100 % perfect payments for seven accounts ( 600+ months ). I do have 6 late payments on my student loan in that period.
9. XXXX XXXX shows a payment history of 89 %. The others Transunion conduits reflect 97 %. 10. Clearly this is basic math and an 89 % payment history is incorrect/impossible. 11. Upon multiple contact neither XXXX XXXX nor Transunion would concede they are responsible for the XXXX XXXX content - and neither was able - or inclined to correct the incorrect information.

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 2016-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Other

Complaint:
XX/XX/2015 both Bank of America and XXXX credit card balances were paid off by XXXX company in which I am paying them off in the form of a loan. The payments to the banks were considered a charge off and XXXX balances exist on both banks yet they are still leaving negative comments on XXXX, XXXX, and XXXX credit report bureaus. Because of the negative comments I am unable to get a loan or open a line of credit with my bank. I am requesting that the negative comments be removed from my credit reports since a settlement with both banks was commenced on XX/XX/2015.

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 2015-04-07
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I attended XXXX College and had a loan with XXXX XXXX who is now Navient. I have been receiving calls from Navient but also have had written communications with XXXX. XXXX offered me a lower monthly payment which I was paying but I am still receiving calls from Navient saying that my loan is in default. Recently I received a call from XXXX XXXX who works for Navient, she told me that I have to pay a minimum down payment of {$6000.00} in order to catch up and a monthly payment of {$250.00} thereafter. I explained that I am not able to pay that amount and she proceeded to tell me " I ca n't tell you how I know this but I know that your father is able to help you with this down payment ''. I do believe that if she is able to view my father 's credit card availability, THIS IS NOT LEGAL. The same day that she called me she also called my father on his job and told him that she is looking at his credit card availability and so she knows that he is able to make the {$6000.00} payment for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, XXXX XXXX XXXX, consumer, original creditor, in fact did not consent to, authorize nor benefit from any of the following inquiries, accounts, and late payment. There was no consent nor did anyone give permissible purpose for the accounts and inquiries listed below pursuant to 15 USC 1681b ( a ) ( 2 ). I have been injured from identity theft from this fraudulent activity. Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act.

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 2020-03-10
Company: Movement Mortgage LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX / Movement mortgage account on my credit report is still showing open with a balance. account was closed and transferred to another lender which is XXXX. XXXX  account is reporting as correct and accurate. The XXXX / Movement mortgage account is negatively affecting my debt to income ratio since account is still showing as open. Please update as closed or remove from my credit report. Account was disputed online with equifax confirmation number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
NAVIENT and XXXX have made it difficult to repay the loans they have requested and exuberant amount per month stating that I do not qualify for income based repayment which I do n't understand because I 'm a single parent with a teenager in XXXX. And when I tried to send what I could afford they said it was not acceptable. So I keep putting the loan in forbearance because I ca n't afford the payments and they make it difficult to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Ditech/ Greentree started foreclosure on a property that I used to live in. The house was foreclosed on in XX/XX/XXXX by XXXX. Ditech started foreclosed in XX/XX/XXXX. Ditech admits that they should have never had the mortgage and they took it off of my credit report. However they say that the account will remain open. Which makes no since if they should have never had the mortgage. Ditech says I owe them no money. I need them to report to the credit bureaus that the account is closed and that I owe them no money. Also XXXX says I owe them no money. I 've talked to both companies and each company tells me to contact the other company. If I owe neither company money I do n't see why they ca n't close my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation