BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-18
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XXXX XXXX nor Navient ever offered or explained all payment options never once mention income based repayment leaving me with higher balance more intrest how can i renogiate for retroactive income based payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
This MORTGAGE CASE THROUGH BANK OF AMERICA HAS BEEN GOING ON SINCE 2004!!!!!!!!!!! This is my 3rd time complaining through CFPB about a BANK OF AMERICA FRAUD CASE. I was hung up on through BANK OF AMERICAS FRAUD DEPT today. She was so rude, and she never apologized at all. When I asked her what is done about my reporting the FRAUD, she told me it 's only an INTERNAL REVIEW!!! NOTHING IS DONE ABOUT THE FRAUD THROUGH BANK OF AMERICA!!!! She took my number and claimed she would call me back tomorrow ... .. LIES, LIES, LIES, LIES!!!!! The woman hung up on me after finding XXXX CLOSED FRAUD CASES from me, against BANK OF AMERICA ... .. UNRESOLVED AGAIN!!!!!! LIES FROM BANK OF AMERICA AGAIN!!!!! BANK OF AMERICA NEVER followed through with what they said they would do. FRAUD, FRAUD, FRAUD. BANK OF AMERICA is only showing XXXX FRAUD COMPLAINTS from me over all these years. THIS HAS GONE ON SINCE 2004!!!!! BANK OF AMERICA HAS HAD ME IN LIMBO WITH THIS FRAUD CASE FOR OVER 12 YEARS!!!!! If this is not resolved this time, I WILL SCREAM FROM EVERY ROOFTOP AND IN FRONT OF EVERY TELEVISION CAMERA I CAN FIND!!!!! XXXX XXXX ; Case Manageer from BANK OF AMERICA NEVER FOLLOWED THROUGH!!!! XXXX XXXX ; Customer Advocate NEVER FOLLOWED THROUGH EITHER!!!! I HAVE RECORDED MESSAGES, ALL KINDS OF PAPERWORK VALIDATING EVERYTHING!!!!! THIS MORTGAGE CASE THROUGH BANK OF AMERICA HAS BEEN GOING ON SINCE 2004!!!!!!!!!!! This is my 3rd time complaining through CFPB about a BANK OF AMERICA FRAUD CASE. I was hung up on through BANK OF AMERICAS FRAUD DEPT today. She was so rude, and she never apologized at all. When I asked her what is done about my reporting the FRAUD, she told me it 's only an INTERNAL REVIEW!!! NOTHING IS DONE ABOUT THE FRAUD THROUGH BANK OF AMERICA!!!! She took my number and claimed she would call me back tomorrow ... .. LIES, LIES, LIES, LIES!!!!! The woman hung up on me after finding XXXX CLOSED FRAUD CASES from me, against BANK OF AMERICA ... .. UNRESOLVED AGAIN!!!!!! LIES FROM BANK OF AMERICA AGAIN!!!!! BANK OF AMERICA NEVER followed through with what they said they would do. FRAUD, FRAUD, FRAUD. BANK OF AMERICA is only showing XXXX FRAUD COMPLAINTS from me over all these years. THIS HAS GONE ON SINCE 2004!!!!!

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 2022-10-12
Company: JPMORGAN CHASE & CO.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2022 I've sent a wire transfer from my account at Chase for the amount of {$1000.00} to my account abroad. Money has not been received by the receiving bank. 

Correspondence with the remitter bank ( Chase ) revealed that the destination bank is now in XXXX XXXX list, that's why Chase has blocked the full amount ( no refund ) on their designated account. Their wire services suggested filing for XXXX license to unblock funds. 

After filing the application for XXXX license, supplying them with necessary information about the transaction, I got the response that information about the blocking has not been sent to XXXX ( which should be done within 10 days from blocking per XXXX regulations ). 

Chase representative now claims that the transaction has been complete and that they don't don't see the relevant correspondence in the Bank XXXX XXXX system ( it is still there ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: BARCLAYS BANK DELAWARE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I dispute and request investigation with late payment reported by Barclays. I have had this issue with this company numerous times in the past. I set up the automatic payment method through their application made possible through the android store. Payments would go through automatically as planned but every few months the payment would not be automatically deducted and would occur late fees, I would call and they apologize and credit the late fees, I again set up the app and continue making automatic payments. The app went through and update and my payment was late again for for the month of XXXX unfortunately I did not catch it in time to call before the 30 days were up. I am not asking for any type of credit but during this Covid 19 pandemic I should not have to worry about a giant companies app not properly working and causing a negative reporting on my credit, while we try to not loose our homes and jobs due to current situations. I ask that they remove the negative reporting to my credit. If you have any questions I can be reached at XXXX to answer any questions

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 2016-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XXXX XXXX XXXX , XXXX is reporting a collection on my credit report that has been inactive for more than 7.5 years. I have requested that XXXX XXXX XXXX , XXXX show me the most recent record of payment on this collection and they have failed to produce this information. I would like this collection removed from my credit report immediately.

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 2021-01-11
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was contacted by Freedom Mortgage to refinance my current FHA mortgage I have with them, my rate would drop from 4.25 to 2.125. In XXXX, XXXX I signed and filed all the completed paperwork. I was scheduled on XX/XX/XXXX to meet with a Notary at my home to sign the new mortgage documents. My XXXX year old daughter who lives with me is a nurse and came down with COVID, I called the Notary and asked if we can meet elsewhere or reschedule due to COVID. She opted to be safe and reschedule. My reschedule date was canceled by Freedom Mortgage due to a {$200.00} issue with my second mortgage. Since XX/XX/XXXX to current, XX/XX/XXXX, I have been emailing and calling my contacts at Freedom Mortgage to get this process completed. I had it escalated to a manager and received a new contact. I spoke with the new contact before XX/XX/XXXX, I emailed & called him for an update on XX/XX/XXXX, today is XX/XX/XXXX and I have not heard from him. My monthly mortgage payment will drop by {$400.00} a month. Freedom Mortgage is costing me {$400.00} a monthly, in total {$1600.00}, by not finalizing my refinancing. Please help, during this COVID year, groceries, food have increased. I have XXXX adult children living with me & could use the {$400.00} extra.

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 2020-03-17
Company: JPMORGAN CHASE & CO.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
So I filed a complaint before and the letter I got back stated that all forclouser actions have been stoped at that I was added to the loans in XX/XX/2020 then when I call and talk to someone they tell me that I'm not on the loan so they are not going to help me and not are they going to let anyone else help me after I got the letter back on here from them I sent that to a company that has been trying to help me with my loan chase told them that I'm not on the loan so they will not let them help with it and told them not to call back so they pull my leg on here and make it sound good but when I call I get no help cotradicks the letter they sent on here so I might have to get an attorney to help because they said to that they are moving forward with the fouclouser and on here they said all forclouser actions are stoped Wich is untrue I can't ever get the same answer from different people at chase

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Bank of America charging interest rates even though account was paid off and closed. They keep charging interest payments and seem to not close account even though I have called numerous times.

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 2021-01-11
Company: EQUIFAX, INC.
State: CA
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:
Due to me being a victim of identity theft have unauthorized accounts that appears on my credit report. A trouble some of Covid 19 when acquiring funds to sustain everyday life is crucial, These unauthorized accounts has severely hindered me I am requesting that all above unauthorized accounts be removed immediately from my XXXX, XXXX, and Equifax credit report due to my identity been stolen. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My 3 credit cards were compromised on XXXX. Someone charged XXXX debit card for {$800.00}, XXXX XXXX credit card for {$950.00} and Bank of America credit card for {$250.00}. I immediately contacted all 3 banks and advised them that I didn't make those purchases and would like to dispute them. XXXX and XXXX XXXX have reimbursed me for above mentioned fraudulent transactions the same week ( please see attached statements from 2 banks ). BoA originally reimbursed me for {$250.00}, however on XXXX they pulled the funds out of my account and sent a letter stating they are holding me responsible for the charge. I requested a report with conclusion of their investigation because I wanted to know why I'm been held responsible for the transaction I didn't make. However, I only received a letter stating " we are unable to approve your fraud claim because our records indicate that when the merchandise was ordered, your billing address was verified and the merchandise was shipped to you address ''. As I later discovered {$250.00} purchase was made through XXXX. Vendor confirmed that electronic gift card was paid by my credit card and sent to my email XXXX. I never received this email, that's why I suspect that my XXXX  account was hacked. Looks like someone was able to obtain my name, address, phone #, email address & credit card # s through XXXX XXXX  that is linked to my XXXX. I called BoA and XXXX several times trying to resolve this issue. I spoke with XXXX ( supervisor at XXXX  ) and she said there was a charge-back to BoA on XXXX. She wasnt able to provide any written confirmation of returning funds to BoA due to security reasons. When I called BoA they denied taking the funds back from XXXX and upheld their decision of rejecting my fraud claim. 
I'm very frustrated with how BoA handled this matter. I notified them about this fraudulent transaction as soon as I discovered it while it was still pending. I filed a police report, FTC report and tried to settle it with vendor. At this point I dont know what else to do to get my money back. I paid the charge just because I dont want them to charge the interest on this transaction while it's still under dispute.I expect BoA to reimburse the funds just like XXXX and XXXX XXXX did.

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 2021-01-11
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
There is a negative credit report due to an alleged 10+ year old XXXX XXXX overdue bill of {$550.00}. I have not had a XXXX account in over 10+ years minimum. Ive tried resolving with XX/XX/XXXX directly via phone and online and also with XX/XX/XXXX and XX/XX/XXXX with no success. This alleged overdue balance is over 10 years old, minimum. This is ludicrous that an alleged balance that is over 10+ years has just recently been placed on my credit report. It severely past the statute of limitations and with any research this can be verified. I have not received any literature or a " Validation Letter '' regarding this for clarification or to directly dispute/resolve with XX/XX/XXXX 

The credit report on XX/XX/XXXX and XX/XX/XXXXis under the company of IC Systems and was opened XX/XX/2019 and as mentioned is already on my credit report and has already impacted my life negatively. I am also contacting the other Federal and State corresponding departments to file reports.

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 2015-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Delinquent account

Complaint:
I was late on a payment once in the 3 years i had this credit card. I did not realize i had not paid a payment. I am currently trying to purchase my XXXX home, which has been my dream forever, and due to this XXXX late payment showing on the credit reports it is decreasing my score and hindering my chances of purchasing a home. Again, I dont want sympathy i know i have screwed up but i had the card 3 years and XX/XX/XXXX when I realized I had not paid the XX/XX/XXXX bill I paid the card totally off leaving a XXXX balance. I just want this taken off of my credit report. I have worked hard at rebuilding my credit since my Bankruptcy in XXXX. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: CITIBANK, N.A.
State: OK
Product: Credit card
Issue: Delinquent account

Complaint:
I received notification from citi bank regarding my best buy mastercard being past due. Upon receiving this notice I checked my credit report which now shows a derogatory mark due to this account being 90+ days past due. I called the number provided on the letter & explained that I had not received any type of statements or notifications prior to this delinquent notice. My email was confirmed as I am setup on e-bill, however I have not received any type of statements regarding my account via email. I was being pushed to pay the balance of over {$150.00} due to late charges accrued on my account. I requested to know why I did not receive a notice when my loan become 30 days delinquent, to which I had no response. I was transferred to another department for 'resolution ' in which I was disconnected when the agent answered. I was advised by the prior agent that I could not make a payment online since I did not have my XXXX. He advised there was no way to reset my password without having my credit card. My credit card was discarded of to prevent use of this account. I am aware that an annual fee is charged and as a consumer I am responsible to pay, however it is the responsibility of the creditor to also notify the consumer of amounts due or actions that will be taken.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been the victim of identity theft fraud for more than 4 years. I have filed numerous complaints with Equifax to no avail. I have submitted fraud affidavits, consumer statements and proof of fraud, yet they continue to not accurately investigate my accounts, remove erroneous information and update my reports with the information provided. 

I contacted the office of the president for Equifax and they stated that " Another department handles these types of complaints and that my case had been closed out due to lack of provided information. I furnished Equifax with a fraud packet and supporting documentation on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 

The representative went on to state that " I would have to file another complaint with Consumer Financial Protection. '' I need help in resolving this issue asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Upstart Holdings, 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: Investigation took more than 30 days

Complaint:
I filed a dispute with XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX in regards to the incorrect items on my credit reports. It has been well over 30 days, and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: CA
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:
The only name I should have on my CRA report is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Selene Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am trying to do a short sale with Selene Finance to resolve my mortgage debt. Unfortunately, Selene Finance has been unnecessarily dragging out the process. They first reviewed an offer of {$230000.00} which was submitted to them in XXXX. We gave them the Short Sale Program acceptance letter which they wanted on XX/XX/2021. At that point we had until XX/XX/2021 to submit all the necessary documentation for the short sale. On XX/XX/XXXX or XXXX our agent received a call from Selene Finance verbally stating that they are denying the {$230000.00} offer and that they needed a net of XXXX at minimum. The buyer on the file provided an offer with the requested net on XX/XX/2021. 
At that time correspondence with Selene Finance went dark. They would not confirm that we submitted all the documents on time, they would not confirm that we made the deadline of XX/XX/XXXX, they would not confirm that the file was being reviewed. 
Selene Finance then proceeded to request more documentation from the buyer on XX/XX/XXXX, XXXX.Then after being under review for multiple weeks Selene Finance requested an appraisal be done on XX/XX/2021. Mind you that when Selene Finance called on XXXX XXXX the representative stated that they were not doing internal appraisals due to the Covid-19 pandemic. 
In my opinion Selene Finance is intentionally dragging out the process by continuing to request documents that could have been asked for earlier thereby unjustly enriching themselves by increasing my mortgage debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company information was given to by XXXX XXXX XXXX XXXX XXXX after I tried to resolve a debt. I was told by an XXXX XXXX XXXX XXXX XXXX associate that the company was " just like '' them and I could contact them to pay on the debt. I believed XXXX XXXX XXXX XXXX XXXX associate and I just wanted to settle the debt and move on from this. The experience with this company has been a nightmare to keep it mild, they initially called asking me to pay half the debt and I explain due to the pandemic my hours were reduce and I could not pay at that time. I was told I could pay online, in the month of XXXX I made a payment and again in XX/XX/2020. This company continues to call no manner what, I asked them to review my account which should show I am trying to pay on my debt I was told to place a credit card or checking account on file to stop the calls. I didn't feel that safe doing so because I know nothing about this company and I express that is poor customer service to contact me even when they have seen I paid a payment online. After researching this company they are NOT the same as XXXX XXXX XXXX XXXX XXXX associate and I have sent a certified letter requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this company. I have also sent a letter addressing the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX associate requesting they promptly rescind account information furnished to this company, Synerprise Consulting Service.

Company response to consumer: Closed with explanation