BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I opened a business merchant account about two months ago with bank of America in XXXX, WA. on XXXX XXXX. at zip code XXXX. I felt I was misrepresented about all the fees included in the merchant account service. I was informed that I would receive certain benefits with the merchant account like free cashier checks and money orders. On XX/XX/XXXX, I requested a money order and was informed I would have to pay for it. I informed the teller that money orders and cashier checks were free as a part of my merchant account she went to get the manager and the manager informed me no that was not the case and all the other situations were " customer curtsy ''. I asked to speak to one of the sales person there and he looked it up and said yes, you are entitled to that service with your merchant account. The money order was never granted and the manager never apologized once the sales person corrected her. This location of Bank of America is mostly XXXX run and I have been a business owner in this community since XX/XX/XXXX, as an XXXX. I have witness only XXXX XXXX employee there since XX/XX/XXXX. The manager who addressed me on XX/XX/XXXX was XXXX. She was unapologetic and her affect was mean and nasty as though she was looking down at me. The person who set up my merchant account was also XXXX and did not include additional fees ( I was told the machine would cost {$32.00} per month to rent but not informed the additional fees that came with the rental which was another {$4.00} then I was never told about the insurance that I would need which came to {$4.00} ). A lot of fees for a very small business like mine. I was also never informed that these fees would be separate from my monthly fee. I feel that XXXX are looked down on and a pattern of racial discrimination is taking place at this location with XXXX. Only XXXX XXXX employee in 11/12 years at this location, I am probably their only XXXX with a merchant account at this location, my account was never set up with the full benefits until XX/XX/XXXX, that others got. Other banks in the community have XXXX employees working for them. The point of banks besides holding our funds is suppose to be " customer service ''. Well, no apology and no money order for this black man at that location that day. Service denied!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient is my lien holder for my student loan and I have make extra payments presently and in the past. The company will not apply the extra payments towards the principal rather the company applies the additional payment towards future payments. The most recent example is I made an additional payment earlier this month and the company applied the money towards my XXXX payment. Their payment stub does n't include any method to apply overpayment towards the principal. This has happened numerous times in the past and when I call I am told that the payments were already applied and cant be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Company Name XXXX Type Bank Date Inquired XXXX XXXXthey sgreed to remove but have not removed feom transunion yet .need remobed asap this was fraudulent due to deo error in stolen data. 
Fraudulent. XXXX had my info compromised. I did not do it credit one agreed to remove. Transunion had failed to remove. 
Also Company Name XXXX/XXXX  Type Bank Date Inquired XX/XX/2021 Also fraudulent. XXXX had my personal info stolen

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 2017-01-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
After being laid off from my employer in XXXX of 2016, it was difficult to ensure bills were paid on time with XXXX income which was my wife 's and part time. Therefore, after falling behind in my Navient private school loan, I made several attempts to seek out and obtain assistance from Navient in hopes of getting a lower monthly payment until payment from my new employer was consistent enough to begin repaying the original amount due each month ; however, each attempt made to Navient on my behalf has been unsuccessful and have been informed each time I 've requested the assistance, that I 'm already enrolled in a low payment program and despite the financial hardship, there 's nothing else that could be done. Navient representatives have also made it clear, that if a certain amount was not paid by a certain date, the delinquency would be reported to the credit bureau 's. I 've also received documentation, via mail, from Navient that states other repayment options are available that may be a better fit for my budget if I 'm having difficulty making my payments, yet, I 've been told numerous times, that there 's no other options available to me since I 'm already enrolled in a low monthly payment program.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Auto loan paid in full. Balance is 0, account is closed. Lender keeps calling 3 times a day, everyday.

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 2016-02-18
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I am a co-signer on a student loan with Navient. I know that the student is one month behind in her payments. I am receiving anywhere from three to six calls a day from Navient. Today I received a call every two hours. I have quit answering my phone when they call. I refuse to talk to them! I know that she sends a payment every month. It 's just late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: EQUIFAX, INC.
State: FL
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 found the following fraudulent accounts on my credit report and have provided my identity theft report to the credit bureaus yet the items remain : XXXX XXXX  XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX {$9500.00} XXXX XXXX  Please remove these fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card
Issue: Billing disputes

Complaint:
I continue to receive charges on my Bank of America credit card for a company I 've never done business with and have never heard of. BOA claims the charge is legitimate based on information the vendor allegedly provided. It 's difficult to see how anything real could have been provided as I 've never heard of this company. BOA bounced me around to 5 different departments, each of whom claimed they could n't help and had to transfer me on. Of course, each person again required all of my information to be given again and all of them were totally unable to help. 
This is a clear case of fraud yet BOA refuses to take action.

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 2016-04-28
Company: Netspend Corporation
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I recieved a refund from a purchase made on a card that is now closed so i had the merchant senf it to my netspend card noe my account is locked and netspend offers no assistance to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: EQUIFAX, INC.
State: GA
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:
I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance with the following items XXXX XXXX XXXX XXXX XXXX  XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I first started working with him back in XXXX because he said that my husband and I would qualify for the XXXX program. This was a complete lie. XXXX knew that I was working with other lenders, so he sold us on the product that we never qualified for. He waited a week before we were going to close on the house to tell us that we did not qualify, and that we had to come in the double the amount at closing and go with a product at a higher interest rate. This is a bait and switch. Not only is this unethical it is illegal under the Unfair or Deceptive Act and Practices. XXXX XXXX also tried to have us lie on the loan documents for the XXXX program. After he realized that my husband and I made too much money her called me and told to send him additional names because my household size needed to be bigger.Another issue I had with XXXX was in regards to the appraisal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Specialzed loan servicing refused to modify my loan # XXXX, and placed my home on the foreclosure sale list for XX/XX/XXXX .XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX , XXXX XXXX did not validate the debt nor did SPECIALIZED LOAN SERVICING. I ALSO sent a letter to XXXX as for proof of claim. SPECIALIZED LOAN SERVICING has fail to respond to a QWR I Mailed XX/XX/2016 to 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 explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: GA
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:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: FL
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:
Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent received an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: M&T BANK CORPORATION
State: WY
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred from XXXX to M and T Bank effectiveXX/XX/XXXX XXXX. M and T bank charged us a XXXX fee with our XXXX payment to them. 
They claimed it was from XXXX bank, but we did not have a balance with XXXX. 
Our account was up to date. I called them and they refused to remove the charge. 
account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
MAS telephoned a neighbor of mine regarding an old medical debt that my daughter has. It is not even my debt. I believe this is completely illegal. The representative from MAS was a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am currently unemployed because the college where I taught full-time closed it 's doors! Before this time, the Federal Loan servicing company consolidated my loans, rehabilitated my loans, and removed me from the offset list. However, before such time, I paid my student loans back in XXXX ways while I was in default. The first way that I paid back my loans was through an agreement with the XXXX XXXX XXXX who was a vendor/collector for the XXXX. I agreed for them to withdraw {$170.00} per month from my checking account for at least XXXX years. In addition, the offset list was intercepting my tax returns for about XXXX more years and applying those monies towards my defaulted student loan debts. The problem with that reality is the Federal Loan Servicing corporation have not credited my student loan account for what amounts to XXXX of thousands of dollars that I paid. I want for every payment to be credited to my student loan account, and for my payments to be reduced due to my current financial hardship. I need to be able to pay back my loans based upon my current income, as I want to remain in good standing but I also want to be given credit for the monies that I have already paid and what already was applied to my student loans through tax offsets.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: AMA Advisors, LLC.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I contracted with HomeBridge Financial Services in XXXX for 30 year mortgage. 
I was very happy with my loan with them ... in XXXX of XXXX, they sold my loan to XXXX Mortgage. I received a letter from XXXX that stated I need to get flood insurance. I have been fighting this for weeks trying to resolve the issue. my my loan included a flood certificate dated XXXX which was totally valid but XXXX would n't accept it. my loan should NOT have been sold if they would n't accept the document. now I have spent XXXX already to obtain a document from from FEMA ( pending ) and faced with having XXXX automatically add flood insurance to my monthly payment. which I cant afford right now. I am so unhappy that all of this has happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
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:
These are fraudulent and inaccurate items are on my consumer report. I havent received anything regarding these fraudulent accounts, yet they remain on my report. Someone has stolen my identity, and I have also made filed a complaint witht the police officer concerning this matter, as directed by the represented of your company they also told me to send this FTC paper which is attached. These fraudulent accounts must be removed as they are not mine and are identity theft. I am trying to get my house, so my lender told me they can not be in a dispute they need to be removed, so please remove them as soon as possible.

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 2015-07-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
In close succession, XXXX ACH debits hit my HSBC checking account. The XXXX ( on XXXX/XXXX/15 ) exceeded the balance of my account and was thus not paid ( reasonably so ). There were sufficient funds for the XXXX transaction ( on XXXX/XXXX/15 ), however, HSBC also did not make payment on this XXXX transaction because they had temporarily removed the funds from my account from the XXXX ( XXXX ) debit resulting in a negative balance even though they did not make payment on that debit. This temporary reduction of my balance not only led to to a legitimate debit going unpaid but also allowed HSBC to charge additional fees in a predatory manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-26
Company: TRANSWORLD SYSTEMS INC
State: UT
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 can not contact a private lender listed on my credit report. The report states that I have not paid my loan, however, I can not contact anyone to see if the amount is accurate and how to make payments. The company is listed as " Younomics. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: EQUIFAX, INC.
State: KY
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:
Equifax Credit Bureau has allowed a collection agency to report erroneous negative information on my personal credit reports. 

Equifax lists a collection in the amount of {$100.00} from XXXX XXXX  from XX/XX/2021 I was NEVER contacted by this collection agency to be given an opportunity to validate this and it has simply appeared on my reports. How does Equifax allow this to happen?? I demand to know. 

Again, I have NEVER received ANYTHING from XXXX XXXX  or EQUIFAX in regards to this matter. No verification or validation has been done by either of them. 

This is in direct violation of the FCRA and this collection MUST be removed immediately.

Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Defamation Negligent Enablement of Identity Fraud P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Flatonia Investments, LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was working with XXXX XXXX way before he came to Envoy Mortgage Company in fact I think he had switched jobs twice before landing at Envoy. XXXX XXXX in XXXX XXXX and then XXXX XXXX in XXXX XXXX. When he landed his job at Envoy he was determined to help me get a refinance loan. He worked very hard and then just gave up on me, we miscommunicated with phone calls and documentation, he kept saying due to my not getting documents in time over to him but in reality I think he kept them on his desk and let them set, not once but three times did I have to give him documents that he already had. I finally gave up on him in on XXXX XXXX, XXXX and asked for all my paper work back, his last email sent to me was dated XXXX XXXX stating he returned my documents, I 'm still waiting for those documents. I have sent him several emails and no response. His information : XXXX XXXX XXXX : XXXX XXXX # XXXX Envoy Mtg. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX OH XXXX. Cell phone # XXXX, XXXX # XXXX and Fax XXXX. 

It should not take over three months to get a loan. He started Envoy around XX/XX/XXXX and yet I 'm still waiting for documentation. I 've called several times, emiled countless of times and yet no response. I want my paperwork back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize these inquiries on my account. Please see that following : XXXX XXXX, Inquiry Date XXXX XXXX  XXXX XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX XXXX  XXXX, Inquiry Date XXXX XXXX  XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX These were reported to Experian, XXXX  and XXXX. I have not gotten information back regarding my complaints. These items are still on my credit reports. 

Due to the inaccurate information reported by these companies, my credit has been severely damaged. I am requesting that this information be investigated and the findings corrected and or removed from my file.

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