BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-18
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I never received my Bloomingdale 's replacement cards nor did my authorized user. I have been working with Bloomingdales for over a month now to resolve the issue. There is an amount of {$630.00} balance on my account ending in XXXX. I have no idea what this balance is for since all prior transactions were reported as fraud since I never received the replacement cards. Bloomingdales refuses to work with me on resolving the issue

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 2017-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have decided to file a complaint through the Consumer Financial Protection Bureau after I was assigned a regulatory complaint servicing specialist through Bank of America. XXXX XXXX, the specialist assured me she would get to the bottom of the situation and resolve it quickly. The deadline for her response has passed and her number is no longer in service. 

It all started with the worst banking experience I have ever had. XXXX phone call lead to my account being closed without my permission and my credit slashed. 

I called to inquire about a balance transfer to a card that I have had a zero balance since XXXX. Do to some issues with my account, card services was unable to assist me so they transferred me to a credit analyst XXXX XXXX XXXX XXXX. I explained to XXXX what I was looking for and he said he would see what he could do. He asked me tons of questions regarding financial hardship, income, where I live, how I was able to make such large payments, etc. After all that he said he was unable to offer me anything but to keep an eye out. I told him that I was recently offered an offer which just expired, and he assured me he could n't reinstate it. I expressed to him that I have been receiving offers from other banks and did n't see the need to keep this account open if BofA could n't help me out. He said he would close the account, I interrupted him and said " do not do anything to my account till I speak to your manager ''. 

I was transferred to XXXX XXXX. XXXX was nice and wanted to know what was going on. I explained to him and he said to hold and he 'd check it out. Note : this entire time I 'm hoping for an offer or at least an option for a balance transfer. 

XXXX comes back saying that after further review the Bank Americard Visa XXXX ( XXXX XXXX is closed and that my {$10000.00} credit limit on the BankAmericard Cash Rewards Visa XXXX was reduced to {$2900.00}. Shocked I asked him why my account was closed when XXXX said I did n't have any offers but to keep an eye out? XXXX responded with " well you closed the account ''. I told him that I instructed XXXX to not do anything to my account until I spoke to his supervisor. XXXX could sense the misunderstanding but said there was nothing he could do. 

I called Bank Of America because I wanted to see if they could help me. I started banking with them when I was XXXX, a freshman in college. I have been loyal ever since. When I called I was hoping for some guidance, maybe not the answer I wanted, but at least some guidance. But the answer I got was completely different. I 'm modified at what happened and really upset over the outcome.

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 2016-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Last year I submitted a complaint against Bank of America for errors in reporting my payment history related to a loan modification ( Case # XXXX ). I received a document from BOA shortly after indicating the error would be corrected and sent to the credit bureaus. I 'm unsure of BOAs process, but these discrepancies are still negatively impacting my credit. 
I want these discrepancies corrected. I want a letter sent to XXXX servicing from BOA documenting their error and notifying XXXX that when the loan was transferred to them it came over as a current loan-not in default. I want a copy of my credit report from all XXXX agencies showing the correction. My XXXX loan number is XXXX. 
For questions, I can be reached at XXXX. 
Thank you 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 2022-03-18
Company: ORG GC GP Buyer, LLC
State: GA
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:
XXXX XXXX and its collection agency GC SERVICES have reported me to the 3 major credit bureaus for bad debt for a debt that I do not owe. I had services with XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. More than the original agreement of 2 years. I kept their services on a month to month basis and signed no added / new contract with them ever. Somehow they are trying to charge me {$170.00} for an early cancellation fee. When asked about a contract showing this, neither XXXX XXXX nor GC SERVICES can provide one and have reported me to the 3 credit bureaus as Bad Debt which is affecting my credit score and home buying process. When called and asked to remove this, GC Services claimed they could not advising that I would have to call XXXX XXXX. XXXX XXXX  advised that the debt does not belong to them and still can not provide a contract to verify an " Early Cancellation ''. Someone please help...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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, have violated my rights as a consumer. The rights that have been violated are as follows : 15 USC 1681 sec. 602a states that I have the right to privacy 15 USC 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1681 section 604a section 2 states that a credit reporting agency can not furnish an account without my written instructions my rights have been violated and I want the negative items removed NOW

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 2015-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I made a timely appeal request and no written determination has been issued to date. This means, as a matter of law, until a written determination of an appeal is issued to the borrower, the modification process that began in XXXX can not be considered concluded. Therefore, Bank of America is required, as a matter of law, to keep a single point of contact ( XXXX ) assigned to this home loan account as I am still considered active in the modification process. 

On XX/XX/XXXX Bank of America is not following XXXX and other guidelines when it comes to incorrectly denying a borrower a HAMP and, instead, is trying to force me to restart the modification process rather than agree to settle for their misconduct throughout the modification process. 

I have repeatedly informed Bank of America I will not restart the modification process that I began in XX/XX/XXXX for which they have confirmed multiple times. Yet, Bank of America continues to harass me on this point. 

Bank of America has no standing to commence any separation processes or procedures such as foreclosure, but refuse to settle for their wrong doing. 

In the mean time, Bank of America is reporting to credit collecting agencies default on my mortgage loan while at the same time not taking any action to resolve the matter whatsoever other than harassing and threatening me time and again. 

Bank of America also keep on deleting and altering documents from the Online Borrower Portal. This is wrong on so many levels including their duty to preserve evidence and protect my personal and financial information. There is no excuse to be had on this point. 

Simply put, it has not cost Bank of Almeria any penalty they are not willing to pay when caught in the act of their wrong doing when it comes to the modification process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I co-signed on a student loan for my daughter. Upon her graduating in XXXX  she was to start re-paying loan. She did not work right away she so deferred the loan repayment. So I was under the impression it was being taken care of. Called Navient and they said it should be fine. Come about to this year my daughter was getting her career on track and started paying her loans back except this one. I called Navient and they said I am responsible for the XXXX whole loan and all the penalties. I tried to explain the situation they said there is nothing they can do. I feel stuck with over {$28000.00} on a {$9000.00} loan. This was not my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
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:
XXXX insurance gave me a quote on increasing my auto insurance and they automatically applied it to my account when I noticed about 2 days later I immediately called and canceled it. The information reported is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: CAINE & WEINER COMPANY, 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:
I have filed disputes in regards to the incorrect items on my credit report. It has been over 15 days and I haven't received any results to my validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: AL
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:
Im am submitting this complaint on my own behalf, I am a XXXX XXXX  so I'm on the road a lot and my wife contacted me about fact we got denied to refinance our home due to some accounts listed on my credit report that should not be on there. I tried to call the agencies but they are not helping me to reticify the problem. Listen this is affecting my mental health and causing strain on my marriage I need someone to help me get this taken care of before I lose my home and wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
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: Credit inquiries on your report that you don't recognize

Complaint:
I WAS GOING OVER MY CREDIT REPORT THE OTHER DAY AND NOTICED THAT COMPANIES THAT I DIDN'T GIVE PERMISSION HAD PULLED MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: ALLY FINANCIAL INC.
State: AR
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 Ally Financial, have violated my rights as a consumer. The rights that have been violated are as follows : 15 USC 1681 sec. 602a states that I have the right to privacy 15 USC 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1681 section 604a section 2 states that a credit reporting agency can not furnish an account without my written instructions my rights have been violated and I want the negative items removed NOW

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 2022-03-18
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2020-03-10
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Enhanced Recovery has been reporting incorrect information on my credit file that was involved in identity theft. They have several incorrect addresses, names, accounts and phone numbers. A police report has been sent to them several times and yet they continue to report incorrect information including my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: National Credit Adjusters, LLC
State: TX
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 sent a letter via certified mail delivered on XX/XX/21 to NCA regarding a collection being reported on my credit report asking for validation of purported debt, to include pertinent information that is required to be furnished by law : Copy of original contract Name and address of original creditor Name and address of alleged debtor Amount owed Full account number Date account opened Date of last payment Date of first delinquency Complete account activity Proof that this debt was assigned or sold to the company, and that they have the legal authority to collect the debt I did not receive a response. 

It has now been well over 150 days since I initiated contact with NCA, and they have still not responded to my validation letter. I have the certified mail receipt to prove that it was received. 

This company is refusing or neglecting to address my inquiries in a timely matter as required by law. 

Acct starting with XXXX I know that this account can not possibly be verified as belonging to me if an actual investigation in to my inquiry is done. I kindly ask that this account be deleted from my credit report at all credit reporting bureaus, and all contact and collection attempts cease. 

Upon a response to this complaint, if this is not resolved as per the law requirements, my next contact will be the FTC, the attorney general, social media, and the media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
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 lived abroad since 2007. I have XXXX children and will likely not move back to the US in the foreseeable future. 
Unlike competing loan companies, it was impossible for me to pay Navient via an international bank, either via transfer or by debit card. Later this was changed and they tried to process my information through debit card, but conveniently, " could n't process an international card ''. 
A few years ago, I moved to the XXXX which runs on a transfer based system. Any card that I use for international payment is a credit card, which Navient will not accept. They have indicated that the only way for me to pay is via international transfer, which effectively costs me {$50.00} per transfer in bank fees and exchange rate commissions. I currently owe roughly {$20000.00}, which should take approximately 10 years to pay back. That is over {$6000.00} in banking fees alone and almost a quarter of my total federal loan, not to mention what I have accrued in payment fees for non-payment, which quite honestly, I have lost track of. 
I am fully willing to accept my debts, however, the inability of Navient to accept and process foreign payments has made this an impossibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted Chase and applied for a mortgage refinance with Chase. I provided all information about my situation up front. I was told that I qualified for the refinance, and I needed to make a {$500.00} deposit on the transaction, which I paid. They used the information that I provided before I made the deposit to reject my refinance application. I was told I would receive a refund for the {$500.00} deposit since the information used to deny me was all given before I made the deposit. I have not received the refund, and they will not return my phone calls or emails for a status update on the refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have some issues of unrecognized addresses and accounts reporting that do not belong to me. Please delete the following addressses : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have a few problematic account that I have never done business with the following companies : XXXX XXXX XXXX, XXXX XXXX XXXX I believe that someone has used my name to open up utilities and cable in one of the fraudulent addresses above.

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 2022-03-18
Company: WELLS FARGO & COMPANY
State: MD
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Well Fargo is fraudulently working with people to use ATM card. Well Fargo claims that I used my ATM card on XX/XX/22. Well Fargo did a shady investigation and refused to refund back my money

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 2022-03-18
Company: Experian Information Solutions Inc.
State: CT
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS 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 non-monetary relief
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: PA
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:
Back in XXXX I co signed for another person to get a vehicle. The car dealership wan only supposed to go with XXXX XXXX however my credit was hit with nine different inquiries and XXXX XXXX was on my credit report 2 times. The following inquiries were on my report as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXXXX/XX/2022 I did not give any consent to the other inquiries and believe the dealership did this to find the best deal however I was not notified at all when my credit was run 9 different 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 non-monetary relief