BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
PERSONAL INFORMATION AND IDENTIFICATION WAS COMPROMISED/ STOLEN BY SOMEONE, AND BANKING ACCOUNTS WAS UTILIZED FOR ILLEGAL ACTIVITIES. AFTER BEING AWARE OF THE INCIDENT ALL MY ACCOUNTS WERE CLOSED BY THE BANK AND REPORTED TO EARLY WARNING SERVICES WITH FALSE ACCUSATIONS WHICH DEFAMED MY NAME AND CREDIT 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 explanation
Consumer complaint received 2015-11-05
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am a co-signer on XXXX of my daughter 's private student loans with Navient. XX/XX/2015 I realized that my daughter 's loans were six payments late. I made a good faith effort to bring them up to date by making a payment of XXXX. 
I spoke with Navient specifically about my co-signed loans only, and not the ones my daughter and her mother had signed separately. On each call Navient kept pushing and referring to my daughter 's total loans and not my specific loan payments. 
On XXXX/XXXX/15 I Spoke Navient to reduce my payments of XXXX per month. I gave Navient my debt to income information along with my own Federal student loan debt and my need to pay medical bills for XXXX XXXX. 
On XXXX/XXXX/15 I was told my payments could be reduced to XXXX per month and then a few minutes later I was told that my daughter entered into a loan reduction program that she canceled an due to that cancellation I would not be able to reduce my payments. This is not a miscommunication it 's something else, the loans that I co-signed on were never a part of a loan reduction program established by my daughter or myself. 
On XXXX/XXXX/15 I was told by Navient that there is no way possible that I can reduce my co-signed loans, and also that in order to be removed from the loan as a co-signer that I would have to sign a co-signer waiver and pay a onetime fee of XXXX dollars in one payment to be removed as a co-signer this is not a miscommunication, if all phone calls to Navient are recorded then this would be easy to prove along with Navient 's web site that states that after 12 of on time payments a co-signer can be removed as a co-signer. 
For most of the time these loans existed I was XXXX Military XXXX, I was retired medically with XXXX and at no time was I given an opportunity to reduce payments due hardship or any other reason. If this is n't predatory lending than nothing is. Whether Military, XXXX or Just a U.S. Citizen no one should be treated in this manner. I wish I had enough money for an Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: FIRSTBANK
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I followed XXXX which redirects me to this link XXXX to open the checking account with eFirstBank and i should be getting {$200.00} as cash bonus. 

As per the text *Cash offer is not available to existing FirstBank consumer checking customers or those whose accounts have been closed within 90 days or closed with a negative balance. Offer valid for new personal checking account opened between XX/XX/XXXX and XX/XX/XXXX. The account must be opened online at efirstbank.com/offers or bring in this advertisement to any FirstBank location to receive the {$200.00} offer. Limit XXXX gift per household, per lifetime. Limit one gift per account. The cash offer will be given if the account opened is in good standing, and the customer enrolls for online banking, and XXXX direct deposit greater than {$500.00} posts to the new checking account. Direct deposit must be new to FirstBank and must be payroll, pension, Social Security or other government benefits. Direct deposit can not be multiple direct deposits combined that exceed {$500.00}. Requirements must be met within 60 days of account opening and the cash offer will be deposited into the new checking account within 90 days of account opening. We reserve the right to substitute gifts offered at any time with an item of similar value. Limited time offer. The {$200.00} cash offer is considered interest and is subject to IRS and other tax reporting. The cash offer is considered a bonus that can be revoked if the account is closed within six months of opening. FirstBank employees and employees of other financial institutions are not eligible to receive the offer. Online Banking plus direct deposit required. Other conditions and restrictions apply. See branch for details. Member FDIC. 

I should be getting the cash bonus of {$200.00} but i was told just because I am working in XXXX XXXX which is financial services company - I wo n't be getting it. Well that 's not mentioned any where. These guys wasted my time, efforts and i end up with a credit inquiry also but not getting the {$200.00} cash back bonus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Wanted details of what 's owed and if I 'm being correctly charged, I 've called numerous times to try to get this information with no success ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
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 would like officially to complain about that you are reporting inaccurate and incomplete credit information. Obviously I became a victim of identity theft. I kindly ask you to help me because I do not recognize this account. I am requesting that you delete information from my credit report because I am not connected to this account like absolutely. Its for sure not mine. I never signed for or agreed to this. I do not have any contracts or agreements, or documents confirm this item. Please I kindly ask you to take appropriate actions and delete it forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a report of collection for {$100.00}. The debt collector is listed as XXXX XXXX. The original Creditor is listed as XXXX and XXXX XXXX. I have not had an account with this creditor, and have never received literature regarding this debt from the original creditor or the collection agency listed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I have a illegal mortgage assignment, my notes was cancelled at the XXXX XXXX XXXX XXXX Bankruptcy Estate. The people who are on this assignment have committed fraud. XXXX XXXX was in bankruptcy and still is. I have XXXX illegal foreclosure judgments on me from bank of america. After a unlawful and illegal Judgment to Bank of America, they claimed to transfer the mortgage I do n't have to XXXX XXXX in XXXX 2013. I have filed a ID Theft claim and Affidavit with the FTC and my evidence along with my police report for mortgage Id Theft/fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX and XXXX Is reaging a debt that was charged off XX/XX/2009 by continental finance and they are reporting this as a new collection on my credit reports

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The bank closed my accounts. The bank did not give me notice, they did not tell me why. I was not negative with them. I never let my accounts overdraft, I never argued with them. First thing did was lock my debit card out without explaining. Then they said that was done in error because the customer service agent had accidentally marked it as fraud. Then they said the next day they decided to end the relationship with me and put me on something called hotfile and wrote me as a bad customer on XXXX. I told them I never reported my debit card being stolen at all, yet they said sorry. Because the customer service agent did some how Bank of America says it 's my fault. Now I ca n't get a checking account anywhere, because every where I try they get reviewed and closed. All because bank of americas customer service marked my debit card as being stolen, then told me she did that by accident and that there was no way to reverse that. On top of that I had XXXX $ in my accounts they held this and charged me a research fee every week. Until finally telling me I had XXXX $ left and would n't ever refund it.

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 2016-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The data shown and reported on my Transunion file is still incomplete! 

My " Payment History '' on my credit file shows as " no info available ''. I strongly challenge the accuracy of that credit factor. How can it possibly show no data when you have my credit card shown on my credit report? I should be getting some " payment history '' rating here associated with my credit card, regardless good or bad. And I know it is a good rating for I had always paid in time and am being rank by my Creditor as " A ''. 

Lacking points I should deserve for this credit factor might have resulted in having lost a car deal I had wanted to purchase. 

Please remediate instantly! 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Trying to refinance a mortgage ; Was told property had not been out of foreclosure long enough. WHAT???? Have not filed bankruptcy, property has NOT been foreclosed on. Spoke with individual at loan servicing company, said they would take care of it. NOW!!! Most info pertaining to this mortgage is gone from their records ( payment history, etc. ). Credit report says account was paid and closed. So who or??? is collecting my payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Issue: Sale of account

Complaint:
During XXXX and Citi deal over Costco credit card conversion, consumers accounts were transferred from XXXX to Citi. My account with XXXX was in good standing and was on autopay. Before I even received my Citi card, my Citi account already had past due balances and interest charges. This was extremely unfair to me as a good consumer -- 1. A charge on XXXX card should be paid to XXXX through preset auto-payment plan ; 2. Neither XXXX and Citi communicated clearly regarding " charge history '' transfer ; 3. Before I received my new Citi card, I had no knowledge of the existence of the new account, and I had no way of knowing how to pay because I did n't even know the account number ; 4. The Citi credit card account history existed before the card was issued to me, and before the card was activated, without consumer consent ; 5. Because of the technical failure in the transition, I incurred the late fee and interest charges before I even got the new credit card, which affected my credit history. 
6. How can a consumer incur late fee and interest charges before he/she was issued the credit card. There must be a law governing this. 
7. My XXXX account was in good standing and on Autopay. It is totally XXXX 's fault or Citi 's fault, or both in subjecting consumers to financial loss and credit loss. A consumer was not given any chance in the process to prevent such unfair treatment from happening. Our rights must be protected.

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 2016-02-19
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX, XXXX billed me {$99.00} for a repair to an apartment I rented. I did not receive that as I moved out of state and it ended on my credit report with fle # XXXX .... for {$360.00} filed by Hunter Warfield. 

I discovered this in XXXX when I was applying for credit for a new home. I contacted XXXX XXXX who agreed this was their error and they had this deleted off my credit account. 

Then today, I discover that in XXXX, Hunter Warfield placed it against my credit again giving it a new amount and a new case number. File XXXX .... {$390.00} I spoke to XXXX and XXXX both of whom say because they changed the file number and amount, it appears as a new claim when it 's the old XXXX. They can not delete it because it appears as new again. 

They suggested that I contact you to get this removed and to stop Hunter Warfield from continuing to do this. 

Thanks, XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
My XX/XX/XXXX Tax Return Was deposit into the wrong account, I call the bank The Morning Of The Deposit and let them know the acct # was Wrong and please return the deposit to the IRS, THE BANK TOLD ME DONT WORRY the names must match the account, Well That Was A Lie, It Went to A Open Acct, it was deposit and spent, The IRS Said The Bank Should 've Return The Refund, The Bank Said The IRS has To Request The Refund Return They did n't, XXXX Made The Mistake and said the bank Will Reject the refund, It did n't happen I have been going back and fort with the XXXX agency and it 's like a lost case, I Contact the customer after chase bank give me his Name, Address and Phone # .I Contact him and he said he had a Amend return for almost the same amount from the same tax office and when it comes he will pay then THAT WAS XX/XX/XXXX, I 'm So Tried, and I Think Chase Should Have Sent it Back To The IRS , They Have Protected This One Customer and Not Me Well I 'm Your Customer To Chase. The IRS Sent A Letter Requesting Information and The Bank Said It Went Into The Wrong Acct, The Name And SS # DO NOT MATCH-Funds NOT AVAILABLE TO RETURN AS OF XX/XX/XXXX - {$4200.00} I Contact Chase Bank Executive Customer Service and after a while like 6 to 8 weeks was told The Bank Will Not Lose Any Money and yes it should have been return, To Go After The Customer. WOW

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been working with Transunion for a few months now, XXXX I think and they are giving me a hard time. I have XXXX accounts with XXXX that they are reporting 120 days late even though the account has a XXXX balance and I havent made a payment on it in months!! I dont know why they are doing this!!! They are doing the exact same thing to XXXX XXXX accounts. An account can not be 120 days late on a XXXX balance, it is just not possible!!!!! Its against the Fair Credit Reporting Act and the Fair Credit Billing Act ( I looked these up on 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 2016-02-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
The website stopped responding and now I can not get my credit reports. The site says I already got them which is not the case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Bank of America hired a firm to sue consumer in Texas and obtained a default judgment. Consumer was unaware of debt or lawsuit until XXXX when the judgment prevented consumer from obtaining mortgage financing. Consumer attempted to resolve the debt but was unable to obtain any information. Consumer hired attorney to assist. In XXXX attorney contacted Texas law firm representing Bank of America and after XXXX months of repeated requests for copies of the summons, complaint, default judgment and any statement for the account, no documentation was provided and Bank of America took back the account. For the next XXXX months attorney attempted to obtain documentation from Bank of America without success. A CFPB complaint was filed, and no response was provided. Bank of America refuses to provide any information about the account to any party and are unable to validate the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
my credit history is not accurate Like previously open account on verify your identity are unknown to me. im unable to verify my identity because the option given arent mines

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 2015-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Other fee

Complaint:
I wrote a cash advance check for {$5000.00} in a cc with {$11000.00} available credit. Although I was not notified, and contrary to the same bank previous practices in another cash advance check I used in XX/XX/XXXX, this time Bank of America ( the card issuer ) eliminated the " grace period '' in all purchases charged to the card! So that, although I kept paying my purchases in full as before within the ( now ) grace period and keep the end-of-the-month balance below the {$5000.00} ( spent on the cash advance I was supposed to have to pay by XXXX XXXX, I am now being charged interest on any purchase on the card. Basically they changed the card terms besides the credit they provided relative to the cash advance. They surreptitiously eliminated the 'grace period ' that had always been applied to all non-cash-advance card purchases and starting charging me interest even when the non-cash-advance card balance was paid in full within the customary grace period I never thought would be affected by me accepting the crad ' cash advance offer, for which I provided due consideration in the form of a cash-advance fee of about 4 % on the {$5000.00} cash-advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I went to XXXX XXXX XXXX from XXXX XXXX XX/XX/XXXX, I ended up dropping out due to the need to work more hours at my job, so that I could afford to live, and pay rent at my apartment.Upon the time I was enrolled, I was told that via scholarships and federal aid, my tuition would be 100 % covered. Within one week, that figure changed, and I was told I needed to take out a federal student loan to cover the overage. I was excited about school, so I went ahead and took out the loan with my mother as the co-signer. I have had a hard time ever since, from paying on my loans, to just trying to get back into school. I have tried to contact the school location I went to, in XXXX, Tx, several times to get my loan documents, any paperwork that I signed, as well as my transcripts to no avail. Now that I have received information that the school has closed down, I 'm looking to file for " Borrower Defense to Repayment ''. If there is anyway you can help me with this issue, please do, as I 'm confused as to what I can do next. I can no longer reach the school via phone or email, and have moved over XXXX miles away to help care for my parents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is an account listed from XXXX XXXX Bank that does not belong to me, as well as a collection account from XXXX XXXX for the same account as above. This is not my account and I want them removed. I also want the address associated with these accounts removed, as well as other accounts associated with XXXX XXXX XXXX XXXX XXXX, TX XXXX as I have never lived at this address, nor have I received mail to this address. Please have remove account 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