BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
We received a letter out of the blue stating that Bank of America was closing down our accounts. The letter did not give a reason, but stated that it is their choice at any time to discontinue doing business with us, just like we can discontinue doing business with them. For more than 30 plus years we have done our banking business through Bank of America. We have a car loan, XXXX mortgages ( XXXX per home ), personal savings including our children 's savings account, XXXX business accounts including a lotto account for our XXXX business. Our personal bank was shocked. This decision was based by someone that would NOT give us an answer because they say they do n't have too. We have been told to refinance our mortgages, loans, etc., and close out our accounts. How can someone do this to their customers of long standing? Is this discrimination because my husband has sent money to his family in XXXX and XXXX? This is causing great stress and we would like an answer. This is n't fair. This is n't right. Please help us find an answer. Thank you.

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 2015-11-14
Company: Colony Brands, Inc.
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
I ordered an electric fireplace from Ginny '' s credit card. The product was defective and was retreturned and I requested my account to be refunded for payments made and credited for the defective product. 
I telephoned Ginny '' s credit department and was told that they will not refund they {$75.00} payments that were paid in XXXX XXXX, 2015 and they will hold they XXXX that I paid in XXXX for XXXX says. 
This appears to be predatory practices and theft by taking, as I have returned all products that belong to Ginny '' s due to manufacture defect, but they refuse to return my money. 
I am XXXX and XXXX and need help with this issue because Ginny '' s transferred me to there different people in different departments, all to no avail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Privacy

Complaint:
I have XXXX credit card accounts with Bank of America. This is second complaint. Some months ago I complained that BOFA is texting me and calling me at my work on a do not call line. I mailed to them several times to do not call my number. I put requests online to stop their XXXX office from harassing me which is illegal. They also call from blocked number. This harms my work and is very upsetting. Bank of America does not respect my privacy. Texting costs me money

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: AZ
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Last week I got charged a XXXX dollar per month maintenance fee for my checking account. I have had the same checking account for over 15 years and have never before been charged a monthly fee. I was never told about a fee starting XX/XX/2017 and I did not give any consent to being charged a monthly maintenance fee.

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 2022-11-01
Company: Experian Information Solutions Inc.
State: VA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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 : # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 



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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-01
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
The attached letter is adequate for the Secretary of State to amend my title except it needs to have the complete VIN listed and should be sent by US Mail with a wet signature. This is standard practice,.

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 2015-07-31
Company: Navient Solutions, LLC.
State: SC
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:
Navient 's Office of the Customer Advocate promised to lower my private loan payments to approximately $ XXXX in XXXX 2015 by extending the terms of my student loans to XXXX years ( up from XXXX ). Last month, my payments were raised to $ XXXX with no warning or notice from my servicer. The interest rates have remained the same, but the agreed amount has been changed without my consent. This is the XXXX complaint I 've filed against Navient, the first was through the CFPB, then with the XXXX. Loan payment history in the online portal for Navient does not show sufficient information about the previous loan payments. The documentation attached to this complaint are screenshots taken of the ACH withdrawals made by Navient as well as a view of the Navient account history and how the payments were accepted without exception. MICR numbers can be provided at the investigator 's request to better correlate events as well as ensure that no screenshots are doctored or tampered with in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Klarna AB
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
My problem is with Klarna, a buy now, pay later service. 

My wife and I made a purchase through Klarna with XXXX XXXXXXXX, for {$910.00}, on XX/XX/XXXX. Klarma charged me half upfront, so {$450.00}, with the balance due in three payments. We placed the order for curbside pickup. 

XXXX  refunded my order on XX/XX/XXXX, as they gave away my order in error, to another customer. 

XXXX  refunded {$240.00} to my debit card. They then refunded the remaining {$210.00} to Klarna. 

Klarna now owes me {$210.00}, for the balance of my refund. I have contacted them multiple times, but they will not refund it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Maximus Education, LLC dba Aidvantage
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I requested a Public service Loan Forgiveness and Temporary Expanded PSLF application from Aidvantage. I faxed the completed forms to the number given, XXXX on XXXX. I attempted to call Aidvantage XXXX times to confirm receipt of the forms. The last time I called they stated, " We don't process those forms, XXXX does, '' and gave me the phone number to XXXX. I wanted to confirm the receipt of the forms with XXXX. and tried to do so with no success. Then I started reading things online about, your loan will be transfered if you apply for PSLF. I do not want that! I don't even know if I qualify for PSLF, but I wanted to attempt to qualify, and have a dialog with Aidvantage about whether I qualify or not! Now I don't know where my loan is located, and what it's status is! I also filed a complaint about the balance of my loan which rocketed up {$20000.00} when Aidvantage got a hold of it from XXXX. I filed a previous complaint about that to have it reduced back to the correct amount from when XXXX held it, which was approximately XXXX, not XXXX! I'd love it if my loan was further reduced by PSLF, as I have worked in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my whole life. I also have applied for XXXX XXXX XXXX loan forgiveness, which would be XXXX XXXX forgiven as I have a Pell grant. I also want my XXXX paper forms, which Aidvantage still has not sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged a Monthly Maintenance Fee of {$12.00} for a statement cycle. They required me to maintain a minimum of {$1500.00} a day in the statement cycle for the month. When I contacted them, I was told that I was charged for a cycle from previous statement, and were reluctant to give me a refund

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 2015-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
At the end of XX/XX/2015, I reached out to the holder of my current Mortgage, Bank of America, to explore refinancing. I spoke with a mortgage specialist and spent an hour giving detailed financial information. I then XXXX with that individual with more of my financial information via email after she sent her email link to me. I then never heard back. I tried outreaching about XXXX times and never heard a thing. I feel so uncomfortable having revealed every detail of my finances to this stranger, who then never XXXX with me in any way. I then reached out to a different lender to refinance and am about the close an a refinanced mortgage. I feel this should never happen to a consumer. Forget the wasted time..that 's nothing to the feeling of having shared my financial information and having it sitting " who knows where? '' Also, whenever we go directly to Bank of America to pay our mortgage in person, they always ask if they can discuss refinancing. It 's unacceptable for such a large bank to be so sloppy with it 's customers. To date, I do not have any sense of where my mortgage application went and in where all of my financial information sits.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a contract to sell my home. Bank of America did not credit my mortgage in a timely fashion, and the contract expired. I

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 2015-08-05
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is a collection listed that I do not agree with and requested several times validation and disputed with no actual evidence of what is being collected for and proof the debt is mine ( signed contract ). Can your agency help?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid for all my hospital bill. I had autopay and Ive checked my bank statements and it was taken each month out of my bank. I got a letter saying from debt collector that I owe {$970.00}, but I never got a bill from XXXX  XXXX XXXX that I still owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
experian stated to me that they deleted inquirysi mentioned from XXXX and XXXX but still on my credit

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 2022-11-01
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX, XXXX, and Experian are putting false information on my credit report without my permission. They never verified anything with me, so now they are defaming my character. I sent all 3 a letter and they still have not responded.

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 2017-01-24
Company: Navient Solutions, LLC.
State: IL
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 have been trying to get my IBR renewed since XXXX Navient repeatedly denied having the applications ( I was asked to resend them 3 times ) Over 6 phone calls were made to Navient and each time I was given a different direction to resubmit a lost application or go into forebearance which I was forced to do.Today I was told I checked the wrong box on page XXXXof the application and I need to send the page XXXX in again and was put in forebearance until the matter was settled.This is almost 6 months of false information.I was also told that they would not take into consideration for recalculation ( if I ever get it ) that I also have a private loan.They have always taken that into consideration in the past.I need help.It 's like dealing with a maze of untruths please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: WA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit file has been really compromised. I have been acquiescing various written pleas to Experian regarding the fraudulent information being stated on my file. The last letter I sent to Experian was XX/XX/2022 with comprehensive attachments of my Personal information, but regardless of all my efforts, Experian seemed to overlook my appeals and disregard their duty to fulfil with the FCRA section 605b. I've been asking for remedy about this matter but I guess Experian is ignorant for they have again deserted my concern. You asked for Documents and I have given it. I've provided my FTC report and the Police Report I filed on my local Police Department. What else should I deliver? Did I miss something? AGAIN, I am a victim of IDENTITY THEFT and I do not reminisce having these accounts with these companies so please REMOVE these harmful accounts from my file INSTANTLY! 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, BANK XXXX XXXX XXXX, BANK XXXX XXXX XXXX, BANK XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OF 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 2022-11-01
Company: Experian Information Solutions Inc.
State: CA
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 AM WRITING IN REGARDS TO THE DISPUTE IVE SENT OVER 30 DAYS AGO IN WHICH I GOT NO RESPONSE THIS IS UNEXCEPTABLE AND ITS A VIOLATION OF THE FCRA

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 2022-11-01
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: Reporting company used your report improperly

Complaint:
Nothing was done it's been 32 days and i need this information remove! 

All Hard Inquiries and soft Inquiries as well XXXX. Names XXXX. Address XXXX. SSN Variations XXXX. Employes XXXX. Other Records

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 2022-11-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have asked numerous of times for my credit report to be corrected. We are in court for foreclosure but Fifth Third Bank is not cooperating with XXXX to prevent foreclosure on my townhome. I am unable to obtain a loan as Fifth Third Bank has put a foreclosure on my credit report. The judge has not ruled in this case. My credit report should not reflect a foreclosure. By the foreclosure being on my credit report I can not purchase inventory for my business. My business is now suffering. This is retaliation for me fighting for my rights. Fifth Third Bank was notified in XX/XX/2022 I was using XXXX to bring my mortgage up to date. In XX/XX/2022 I was served with a summons for foreclosure with fake documents. The note and promissory note I received was not signed off by Fifth Third Bank. This kind of behavior is not in the best interest of the public. How many other cucumbers are going through this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: Global Credit & Collection Corporation
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Global Credit & Collection Corp has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I booked a flight with XXXX XXXX on XX/XX/2022. Due to unforseen circumstances I had to cancel my flight for XXXX. The representative I spoke to said I can not receive a refund because it is outside of their XXXX cancelation period. This is unfair because my flight is literally XXXX XXXX away. As a XXXX XXXX  only receiving flight credit will not help this situation. Being refunded for the amount charged on my card will only suffice. This has been heartbreaking and overwhelming.

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