BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I am reaching out to you today in regards to a credit dispute I am trying to resolve with our Mortgage company, Bank of America. I have tried to resolve this issue directly with Bank of America, but both times I have received letters from the Bank of America customer service department that states that BOA has completed a review and they feel their records have confirmed the information they provided to the CRA is accurate. I do not feel that the information is accurate. In fact, I feel that Bank of America messed up on their end and they are not taking any accountability for the miscommunication that was given to us at all. I pride myself on having great credit. Since this incident occurred, I have hit so many roadblocks with my company, applying for loans, and now I have a senior who is going to need our help for college loans. It makes me so angry that loyal, XXXX, hard-working people do not have a voice with these large mortgage companies. Not once was I able to even talk to someone directly about it. I was told the people that make these decisions are in a back office company for Bank of America. They do not take emails or phone calls. I do not believe that someone who receives their paycheck directly from Bank of America, should be making all the credit decisions for Bank of America, especially when they are not taking any accountability for their own mishap and miscommunication. I am coming to you because I need a strong voice to hear my side and hopefully help me. I have a Fixed, 15 year conventional loan with Bank of America. This is our first mortgage. It is sit up with automatic withdraw each month so a payment is never missed. I had requested that our 2nd HEL through Bank of America would also be established this way. A representative told us that this is not a problem. Just fax in a " Letter of Authority '' and the loan number and approval to have this established. We did that. The fax was received, but the phone call of this representative telling us to do this and that it could be done, has disappeared. I also feel that, once this fax was received, we should have immediately received a phone call or email to tell us that this service was not available for the HEL. We had left to travel for the summer to return to two missed payments and our credit messed up.

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 2017-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Back in XXXX when we applied for a mortgage loan we supplied the Countrywide loan representative with our tax returns, bank statements, institutions with other funds/assets and we hand filled out the loan application each separately. In XXXX we found out Countrywide gave us a wrong loan. We contacted Bank of America who had taken over Countrywide 's loans and their legal dept. for them to supply us with all the supporting documents in why this type of loan was originally given to us. Please refer to our dispute file sent on XXXX XXXX XXXX. We received a response from the Consumer Protection Bureau that our case was closed. We disagree because with our last filing on XXXX XXXX we requested a copy of what was used when we originally obtained the loan ( Bank statements, credit reports, tax returns ) with all the supporting documents. We 've asked this from Bank of America in XXXX and in XXXX as well but they have failed to supply us with this information. Please refer to the original complaint # XXXX which has all of our uploaded supporting documents. We appreciate all your support and help and we are asking for this matter not to be closed since we did not receive any of the documents we requested justifying their charges and interest rates.

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 2020-04-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hello, When using my USAA card to pay my dentist, the charge was declined. 

I have since learned that USAA reduced my available credit limit, after calling the customer service representative to find out what was happening ... I was told that there was " no reason '' and that this action " did not make any sense '' as my more than 30 years as a loyal customer with USAA and perfect credit, stable employment, etc etc made the whole matter inexplicable. 

Additionally I was told that there was no remedy and no resolution. 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
This is a continuation of XXXX. 

This is a continuation of the complaint that I filed with the Consumer Financial Protection Bureau. 

As is indicated in Citibank 's records, from XX/XX/2022 to XX/XX/2022, my online transaction history did not reflect payment of {$99.00} for the XXXX  software until XX/XX/2022. According to the person with whom I spoke today, even with the {$99.00} which was credited back to my account today because of my request for refund, my account is still {$78.00} short. She said that I was short {$170.00}. The {$170.00} short was never reflected in my transaction history. 

I counted my transactions and discovered that I overspent. Please note, however, that the overspending is related to Citibank 's not keeping an accurate record my transaction history, and the associated balances that were misrepresented from XX/XX/2022 until today. 

Lastly, I received an e-mail from Citibank that it would suspend my account. If my account is suspended ( or closed ), I will not be able to receive my XXXX monies from the Social Security Administration. If this happens, I have to file a complaint with the Americans with Disabilities Act because I have a right to receive my XXXX payment without my account being closed as an act of retaliation. 

Where Citibank is concerned, I plan to close the account, but I will not close it until receive my XXXX money from the Social Security Administration. I do not want to close the account leaving a negative balance. 

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 2016-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Issue: Other

Complaint:
I received notification from Bank of America ( via their XXXX app ) that I was pre-approved for a secured credit card. I submitted my application, online, and was notified immediately that it was under review. I received XXXX letters dated XXXX XXXX. 2016. The first advised that my application will be approved once the collateral ( {$99.00} ) has been verified by my bank ( also Bank of America ) and it states the card would be sent within XXXXXXXX business days. The second letter stated that I need to contact Bank of America to provide the requested collateral within 60 days. I called today XXXX XXXX ( on my vacation day from work ) and was advised that my application had been closed, and the rep XXXX '' advised she could re-open it with my collateral today. She then advised after attempting to re-open my my application I was denied based on my credit report. I advised that my letter said I was approved pending my collateral and explained that I had not received a letter that my application was closed no that I was denied due to my credit report. I told her I do n't understand how that could be considering I just received an approval letter and no denial letter.

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 2016-08-29
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My debt with Central Financial Control was settled in full on XX/XX/XXXX. I received an alert on my credit report for unpaid account on XX/XX/XXXX witch had an impact on my score ( drop XXXX points. ). I did a dispute with XXXX, is there anything else that I can do, central Financial Control this is telling me that they did a mistake ...

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 2022-03-20
Company: EQUIFAX, INC.
State: MD
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, XXXX XXXX XXXX XXXX Acct # 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: EQUIFAX, INC.
State: MS
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:
EQUIFAX was sent an affidavit on XX/XX/2022. EQUIFAX was given 5 days to respond and have not responded in a reasonable amount of time. Therefore, according to the law they must comply with all demands made within the affidavit. I have made several attempts to peacefully rectify the issues outlined in the affidavit, but EQUIFAX continues to violate my consumer rights by improperly reporting unlawful information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America has instituted a " maintenance fee '' on my account, however I have not been told anything about this. Why? When? How much?. I have been a customer with BofA for over 12 years, and have never incurred any maintenance fees on my checking account. I have now " paid '' {$68.00} in maintenance fees, because I do n't check my account often and I now " owe '' Bank of America {$12.00}. This is ridiculous. Bank of America doesnt pay me interest for keeping my money with them, and then after 12-15 years they start charging me without telling me. 

To add insult to injury, the website tells me the only contact method available is the phone ( every other bank has chat and email available for bank accounts ). And when I call, Im told I have to wait on hold 22-30min ... its almost 2017, this is absurd.

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 2015-05-10
Company: G. Reynolds Sims & Associates, P. C.
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Law Office of G. Reynolds Sims And Associates, P.C. XXXX XXXX is a Collection Agency. XXXX XXXX associates had been contacting/harassing me since XX/XX/XXXX for a debt they ca n't prove. They also contacted my brother XXXX times, XXXX of them was at his place of employment. They told my brother that they are trying to contact me to collect on a debt that I owe. 

I sent XXXX XXXX XXXX letters in XX/XX/XXXX disputing the collection. I have not received a response to my XXXX letter. I thought that everything was ok until I was contacted from XXXX this year ( XX/XX/XXXX ) indicating that I have XXXX open collections account on my credit report. 

I had received several calls from collection reps. Especially from XXXX, whom was very rude, talked over me, told me to contact someonethat can pay the debt for me or I should sell something. He then asked for mybank account number. 

I told XXXX XXXX I want proof of the debt that they are trying to collect. 
He said it is my responsibility to prove it. I asked him how can I prove it if itdid n't happen. 

I am still trying to get this dispute resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: FACTUAL DATA CORP.
State: MO
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 have several of closely dates hard inquiries from the same company. One authorization while looking for a mortgage rate does not authorize multiple hard inquiries. It seems as if they are malicious after the loan agent stopped contacting me after the pull. Additionally, once I did secure a loan company/agent, this looks to be malicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2017-03-29
Company: Navient Solutions, LLC.
State: ME
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:
Navient has reported severely late payments on my student loan accounts ranging from 60-180 days past due. During those reported late payment periods, the account was granted a forbearance. No payments are due while loans are in forbeance, therefor no payments should be reported as late. My loan account was consolidated and moved to a different company and is no longer open with Navient. Although this account is no longer open, these late payments are still being reflected on my credit repot, and are preventing me from obtaining a first time home buyer loan. I sent requests directly to Navient asking for the late payments to be removed, and recieved a denial. I then file disputes with all XXXX credit reporting agencies. All of these disputes came back with no changes being made to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: MOHELA
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been attempting to get my XXXX processed since XX/XX/22. Mohela provides different excuses why my XXXX has not been processed each time I call or email. I qualify for complete loan forgiveness under pslf and they have done nothing since my loans were transferred in XX/XX/22 except provide multiple reasons and excuses why nothing has been done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-14
Company: TENET HEALTHCARE CORPORATION
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
After making payments on medical debt for 55 months, and after receiving verbal assurances that this would not be reported to Consumer Credit Bureaus if payments remained timely and current, the debt was reported to XXXX credit reporting agencies as being placed for collection on XX/XX/2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Deposited on XX/XX/XXXX {$860.00} into Bank Of America checking account. On XX/XX/XXXX a " Preliminary Injunction '' was filed by United States District Judge XXXX XXXX XXXX. A Judgement shall issue a check in the amount of XXXX payable to the " United States Department of Justice. 
1. Filled out a XXXX for California Request ( lien search ) XX/XX/XXXX and submitted that along with a money order to pay for the lien search to the Uniform Commercial Code online portal Office in my state where I 've taken up residency ; 2. Upon receipt of the search results, I found that there were no legitimate liens against me in the public record ( including no legitimate Internal Revenue Service liens ) ; 3.Made a true copy of the search results from the California Uniform Commercial Code office and attached it to a Notice and Demand sent to each of the credit bureaus. 
4 IRS Notice of Lien removed by credit bureaus. 
5.A valid lean by Internal Revenue Service requires a District Court Judge 's Signature, and whereas you are publishing a lien against me, and the attached XXXX shows no valid liens in the public record ; and where as this lien is damaging my reputation without cause, 6.Therefore, you are hereby granted Truth-In-Lending-Regulation Z District Court Judge who authorized the lien you are publishing against me OR to remove the lien from the public 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 explanation
Consumer complaint received 2015-12-07
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card
Issue: Delinquent account

Complaint:
There is a negative mark on my credit report which is untrue and needs to be removed. I 've contacted the company several times via postal mail but have, to date, received no response. This debt was satisfied via having my wages garnished.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: Affirm Holdings, 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: Information belongs to someone else

Complaint:
In XX/XX/2021 I applied for a loan to purchase a XXXX computer from a company called Affirm. I was then told that I already had a account. I have never before had any knowledge about this company called Affirm. I contacted them and was transferred to the fraudulent accounts department. It has been under investigation since. I have been notified every month about payments on this account due. I call them almost every month to see about the results of the investigation. They keep saying still working on it. Today XXXX the company Affirm reported to XXXX a new opened account in my name. I have disputed the account info and am waiting to hear back. Clearly its an Identity Theft. I dont understand and need someone to help me please. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: EQUIFAX, INC.
State: FL
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:
For the last year and 1/2 I have been disputing incomplete bankruptcy reports on all three of the bureaus. Relative to in my frustrating I decided about a few months ago to take it up notch and dispute with the furnisher XXXX XXXX. With ease and appreciation, they remove the files without hesitation. They sent me a complete report of the investigation reflecting removal. Right along with a copy that I sent a copy of letter with court in questions stating they did not verify said entries to the bureaus. 
With frustrating the said they were verified after their investigation, ask for verified proof of such thing. Honestly with continue frustrating they gave me nothing at All. 
Further got document for XXXX XXXX  update of my report where they could look on it, on top of that hard copy of the page stated THERE ARE NO BANKRUPTIES REPORTED. 
Sorry for my yelling for moment. they still did nothing. They totally still to refuse even a brief description on how they come to this conclusion. They get continue to make tell lies and commit fraud on my ACCOUNT. I have gotten continued amount of denied credit because of Bankruptcies that do not belong there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: WELLS FARGO & COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was suddenly starting to see {$10.00} charges as of XX/XX//2017 without any notice from Wells Fargo credit cards when I purchase from XXXX. I don't have a problem being charged fees but I do have a problem when I am not notified and can not change my consumer behavior. I would not have made a {$18.00} purchase if I knew it would generate a {$10.00} 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