BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I contacted Bank of America to inquire about a Home Equity Loan XX/XX/XXXX.During the intake of my information, the representative said that it would help my loan process if I had a checking or savings account with BofA.On that call, he pressured me to make an appointment to open accounts at the local branch. I went and opened checking and savings accounts.I asked the initial representative, the branch representative, the mortgage specialist and his manager if my credit would be an issue for approval, as I incurred late payments when my previous bank/mortgage accounts were sold by XXXX.They all said, it would not be an issue. I indicated that I needed to be sure because I was applying for a home equity loan ( on a house I own a 100 % of-no mortgage ) to pay an unexpected income tax bill.They all assured me to continue with the process.Today I received a denial for the loan.When I asked to speak with someone, XXXX XXXX ( who previously assured me it would be fine ) told me that Bank of America would NEVER approve a loan when an applicant had a late payment to a former mortgage holder. They saw my credit report when I started the process and lied to me the entire time.They pressured me into opening bank accounts and applying for credit cards.I feel that they have deceitful and dishonest business practices.I complained about the specialist assigned to me to XXXX XXXX, that he was unresponsive and told me that if I wanted a quick turn around I should have applied to a smaller bank because they have less customers.After my complaint, he treated me worse, sat on paperwork and was not responsive.Now 6 weeks have passed and I am no closer to having a way to pay my income taxes - except now, my credit score has been lowered due to the hard credit inquiries from the credit card they pressured me to apply for and the loan I ultimately did not receive.They have added themselves to my homeowners policy as a XXXX loss payee without approving me for the loan.They have wasted my time for 6 weeks.I corresponded with XXXX XXXX on XXXX XXXX and she NEVER said they do not approve loans if you have been late paying a prior lender ( even with a valid explanation ). I was full disclosure about this - because I was worried it would have an effect. I am feeling like they must have quotas to submit for applications and to open accounts and used me to fulfill their requirement only to mislead me.

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 2022-05-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX, I was alerted from my credit monitoring that my score changed with XXXX, Experian and XXXX. I looked to see what exactly was the change and when I looked they had dropped my score by XXXX points because I paid down my credit cards, lowering my utilization. From my understanding i didn't know that if you paid down your credit cards that your score would decrease. I feel that is a violation of my consumer rights and is intentionally hurting my ability to apply for credit by decreasing my score. I have been paying my accounts on time with great payment status, no derogatoriness and trying to get my utilization down and yet my score has not gone over XXXX. I am asking that a full investigation be done for I feel that this is a discriminatory act on the credit bureau because of my ethnicity,

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 2019-12-11
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Chase credit card affiliated with United Airlines. I was sent an email at application that stated further review was needed. After 8 days I contacted Chase to inquire about the status. The automated response said it was still in review. I then opted to talk to a representative. The call was answered and I asked status and was told it was denied. I asked why and they wouldn't give me a reason. I stated I believed that there must be some type of mistake that they either had my income wrong or debt wrong, because I know my credit score is in the upper 700 's, I only have one other credit card with a larger limit, but paid in full monthly and a house payment. I know my debt to income ratio is 21 % and I have been in the same line of work for over 20 years. I happen to be a XXXX  XXXX and know there is no business reason that I would be denied, so there had to be an error somewhere in the application process. I said I assumed they were double counting my mortgage as I had recently refinanced and they could easily be double counting. The lady wouldn't respond in any way. I asked to speak to a loan officer or supervisor to try and resolve any possible issue and was asked if I didn't mind being called back and I replied that was fine. She said I would receive a call within the next 90 minutes and verified my phone number. I have never received a call back. I've been a customer of Chase in the past and all my accounts and all were handled as agreed. I've never missed or been late on a payment in my life. I understand if there was an error on my application, but the fact they wouldn't, wont, and haven't allowed me to address the issue, even after repeated attempts is a major problem. It is either a problem or they are discriminating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
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:
I have had multiple student loans dating back to 2008. Over the year I have sent numerous letters detailing financial hardship and received no response regarding my plea for repayment options as well and loan forgiveness due to my school failing to complete everything I was offered upon admission. I have made several calls regarding repayment options and was told by multiple representatives that I did not qualify and that despite my loans being deferred that there would be penalty to me for deferment I recently began working on my financial situation and realized that my once {$10000.00} loans have more than doubled. I was deceived by Navient, they ignored my pleas for help and also used deceptive practices when I called and tried to arrange payments. Due to their inability to be honest I now have derrogatory remarks on my credit when I had been in contact with them trying to avoid and negative outcomes. Navient has severely impacted the amount of dept I owe by being deceitful

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Professional Debt Mediation, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Name : Professional Debt Mediation , Inc . 
Addres : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Phone Number : ( XXXX ) XXXX Original Creditor ( ALLEGED ) : XXXX XXXX High BalanceXXXX Date opened : XX/XX/XXXX Date Reprted : XX/XX/XXXX Here are supporting facts by law of the federal corporate United States as defined Title 31 3123 28usc3002 ( 15 ) a FRNs are obligations of UNITED STATES : HJR 192 Title 18 8.

Established in 1933 under H.J.R. 192 and exercised by actors, agents, and fiduciaries of every commercial transaction by commercial banking institutions since that date with the Abrogation of the Gold Clause Senate Document No. 43, 73rd Congress Congressional Record, March 9th, 1933 on HR 1491, p.83 As it is a fact that all property in the United States as a result of the XX/XX/XXXX act is under the ownership of the United States XXXX and/or its designee, that the currency is underwritten by US Treasury notes , bills and/or obligations, it is impossible for me to be held liable for government obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 and XXXX XXXX XXXX violated my 609 rights by reporting information to TransUnion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 

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 , reported to TransUnion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have addresses, phone numbers, and names corrected on my report this is violation of my consumer protection rights.

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 2019-12-11
Company: BBVA FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I got BBVA Clear Points Credit card mail offer two times. It shows that I'm pre-qualified for a BBVA ClearPoints Credit Card. My reservation code is XXXX. Expiration date is XX/XX/2019. 
And there are three ways of application. Applying online, by phone or stop by a branch. I called BBVA on XX/XX/XXXX through phone and got an agent replying me I need to apply in branch because I'm not a XXXX XXXX. He told me I'm eligible to apply in branch since I got the mail offer. 
There is no local branch near my living place. Hence I drove to Alabama and apply in branch on XX/XX/XXXX. The branch address is XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX. The banker helped me is XXXX. At first we try to apply with the code provided. However, it keep showing invalid through their system. We contacted BBVA customer service by phone and it didn't help. After talking with bank manager, XXXX suggest me to apply without code and do a fax application. We did so. I don't get any application number or anything else. 
XX/XX/XXXX, I contacted BBVA customer service, they confirmed my code was valid. But they don't find any record about my application and told me to contact branch directly. 
XX/XX/XXXX, I contacted BBVA customer service, they told me the fact that branch and online department are using two different systems hence they can not help me at all. I also contacted branch and another agent told me XXXX was on vacation. They will contact me afterwards. 
Nobody contacted me. Hence I contacted branch again on XX/XX/XXXX. The manger was there and told me the application is stuck because they actually don't accept application for non-citizens. So my application wasn't processed at all. 

1. I did check the reservation code online and it did shows invalid. It's a invalid code from customer end. But XXXX customer service told me it's valid from their end. But the branch system shows it's invalid. It's a false promotion. 
2. There is no terms showing BBVA don't accept credit application in branch from an non-citizen. Actually the online application system explicit say " You must be a XXXX XXXX  to apply for a BBVA ClearPoints Credit Card online. However, you may apply at a branch. '' And the agent told me I'm eligible to apply in branch on XX/XX/XXXX through phone. 

I uploaded 4 attachments. 
1. BBVA Clear Points Credit Card Mail Offer scan copy 2. BBVA online application system showing the reservation code is invalid. 
3. BBVA online application system showing " This product is only available online for XXXX XXXX. If you are not a XXXX XXXX, please call us at XXXX. '' 4. BBVA online application system showing '' You must be a XXXX XXXX  to apply for a BBVA ClearPoints Credit Card online. However, you may apply at a branch. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-14
Company: Tormey Bewley Corporation
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
My ex husband claimed bankruptcy chapter XXXX on XXXX that was discharged on XXXX and then I later claimed bankruptcy chapter XXXX on XXXX discharged on XXXX despite these two filings this collection company has repeatedly continued to report false information and refused to correct it with our federal bankruptcy information.

Company response to consumer: Closed
Consumer complaint received 2020-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, I went to the Bank of America ( BofA ) ATM to withdraw funds from my checking account, where I receive my payroll, and noticed that my card was not working. I immediately called BofA to identify the issue, where I was told that my accounts had been restricted and would be closed in a couple of days, because I had not updated my information. Going through my records, I realized that a letter ( " Letter '' ) had been sent on XX/XX/2020, requesting that I update the information. On XX/XX/2020, I had gone to the BofA branch and updated my information and received a confirmation of my visit, as requested in the Letter. Furthermore, after reviewing my records, I called BofA on XX/XX/2020 to request to transfer my funds, as they indicated that they would close my account. However, BofA indicated that I could not withdraw my account, which is my main account where I receive payroll and pay all my bills and expenses, and they indicated that they would close my account on XX/XX/2020 ( the " Closing Date '' ), and within 3 business days of the Closing Date, they would issue a check and send it over regular mail, which takes 7 to 10 business days, which means that I would receive my payroll funds within 20 to 30 calendar days since the day BofA froze my account. Additionally, BofA debited my account for a payment that came in, however, since I did not have the funds, it overdrew one of my checking accounts and charged me a fee, which I can not pay, since I can not credit any account or use the funds already in my other checking account at BofA. I was also expecting to receive my XXXX XXXX XXXX through this account, which this situation will likely cause an unnecessary delay in my receipt of those funds. Due to the described situation, I do not have funds this month to pay my necessary living expenses, I have been charged fees by other companies since they returned my monthly ACH bill pay/autopay, I will likely incur in a credit score downfall, and the emotional stress of not being able to pay my bills and the current Covid XXXX situation. I believe that BofA 's practices fall under the Unfair, Deceptive or Abusive Acts and Practices ( UDAAPs ), as they have blocked access to my funds, which include payroll. Furthermore, absent a court order or a violation of law, I do not believe BofA can legally freeze my funds.

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 2019-12-11
Company: Fay Servicing, LLC
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX my wife and I had a modification done with XXXX XXXX XXXX. About two yeas later XXXX soled this mortgage to XXXX XXXX XXXX XXXX and Fay Servicing collects the payments. In XX/XX/XXXX our payment went up and we just payed it. In XXXX of that same year I called to ask why our payment went up. I was told that we were behind on our escrow by {$2000.00}. I told them that, that couldn't be right. ( This a 20 year mortgage with a balloon. ) I hung up, then about a month later I called back and got someone else and asked that they send me all documents dealing with this mortgage. I was told at this time that they saw that I had {$54000.00} in the rear from a PREVIOUS MODIFICATION. That {$54000.00} is my balloon. At that time I realize that Fay Servicing had added in the balloon into the mortgage. I finally had to get attorney to get the documents I want it, and they only sent the cover pages of the XXXX XXXX, the modification and financial statement that shows that they did in fact did add the balloon to the mortgage. My attorney has tried to get ALL the documents and it has been a year and we keep asking for them with no results. Now I want not only the documents, I want all audio recording of all phone conversation. they broke the law by not letting me know that they want it to make these changes and I agreeing to it, and violated the mortgage agreement. I wonder if this has happened to any one else.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Prior to the mortgage crisis, Bank of America approved $ XXXX loan under my name when I only made $ XXXX/month. They used my husband 's income as my income so I was approved. I was making my regular payments until my husband lost his job and I called Bank of America to help us since Obama came up with the Modification program. I was given a packet that I filled out and Sent it back with all the information they needed to collect. They then sent me a " trial period '' payment of {$810.00} as my original payment was about {$1500.00}. I made my {$810.00} payments on time as per the understanding of the mortgage coupon and letter. As my coupon was running out, I called to see what happened with my loan and they said they were looking through it and to be patient. A month later I called Bank of America again to check and they told me they declined my application to lower my payments. I received a foreclosure letter and started getting letters from my credit card company that they were either closing my credit card accounts or lowering my credit limits. I thought someone was running my credit so I checked and found out Bank of America said I was late on my payment. A few months later Bank Of America sold my loan to another company. It was n't true since they said I was to make the " trial payments '' and nevwr disclosed that it would show I was n't making payments on my credit bureau. I want that record expundge because I was making payments on time.

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 2019-12-11
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 disputed an account on my credit report that I had no knowledge of. Was supposed to be finished on XXXX/XXXX/17 and its still not resolved. Ive called all companies and theres no resolution and its been longer than 30 days

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 2018-07-18
Company: Experian Information Solutions Inc.
State: TX
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:
Several times disputing this item with your company still not removed, please remove the following XXXX XXXX XXXX - No debt owed XXXX XXXX XXXX XXXX - No verification obtainable and the company sent your agency a notice to remove see attached

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 2022-07-21
Company: MECHANICS BANK
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation