BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2015-09-04
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Navient will not allow you to set up an automatic payment for more than what the monthly payment is. If you want to pay more than the monthly payment ( hence paying your loan off sooner, which should be encouraged!!!! ) you have to go in each month and do it manually. Navient has made it more difficult to pay off loans sooner so that they keep gaining interest $ from you. What a scam! I am in good standing with Navient ( XXXX XXXX ), I have always paid my monthly payments on time and would now like to pay off my loans sooner!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Other fee

Complaint:
I believe that Bank of America unfairly charges my credit credit just by purchasing a flight ticket from XXXX XXXX which is XXXX a Foreign Transaction Fee of {$47.00}

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 2021-03-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeated calls from debt collectors even though I don't have any debt/loans at all. I told them they must have incorrect contact information, they said they will continue calling until they can verify I'm someone else. I asked repeatedly to remove my number and quit calling, they refused to do so and got hostile and rude saying they were doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Issue : 1. On XXXX/XXXX/2016 Bank of America charged me {$35.00} OVERDRAFT ITEM FEE FOR ACTIVITY and 1 week after, on XXXX/XXXX/2016 they charged me a second {$35.00} fee for the same overdraft, and they called it an " Extended Overdrawn Balance Charge. 
2. Bank of America informed me about the 2nd overdraft charged to my email address but they said they did not inform me about the first one. 

Desire resolution : Bank of America is charging twice the same fee in a week, therefore they should reimburse me the second fee. 
I have had this account since the year XXXX and I had never had an overdraft. They refused to waive the fees.

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 2022-07-13
Company: EQUIFAX, INC.
State: NC
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  Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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  Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 an account without my written instructions

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 2017-07-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This last Friday 400+ $ $ was taken out and approved but now I ca n't take out another payday loan and I bank with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TD BANK US HOLDING COMPANY
State: NC
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 recently checked my consumer report on XXXX website and found an unauthorized hard inquiry form NORDSTROM/TD BANK USA inquiry date XX/XX/2022. NORDSTROM/TD BANK USA need to answer to this inquiry. Why was my consumer report being looked at after you all closed my account due to none " payment ''? I'm not of the class of people who has to " pay ''. Why is there a new inquiry from your company being listed on my consumer report that I did not authorize? While you all are investigating this matter cease and desist all fraudulent collection activity due to billing errors on the account that was opened with open end consumer credit therefore I, the consumer and beneficiary was never late pursuant TILA, FCRA, and ECOA. Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/XXXX, I sold a property at XXXX XXXX XXXX, XXXX, TX XXXX as a short sale. I had XXXX liens on the property. There were NO lines of credit on the property. On XX/XX/XXXX, the loans were transferred to Bank of America, which is when my nightmare began. This is my 3rd COMPLAINT with Bank of America for this same property. Bank of America harassed me over payment for the loans and a property which had been sold. Additionally, they are erroneously reporting the first lien account number # XXXX on my credit supplement as a close date of XX/XX/XXXX, which is COMPLETELY inaccurate. Additionally, they are reporting the loan as a line of credit, AGAIN MORE INACCURACIES from Bank of America. I honestly do not know what else to do. I am trying to purchase a home with a very tight window for closing, and Bank of America refuses to assist me. I have called numerous times and I simply get transferred around with no help. I need someone, ANYONE AT BANK OF AMERICA TO SEND A LETTER TO MY EMAIL ADDRESS STATING THAT THE PROPERTY WAS SETTLED AND CLOSED XX/XX/XXXX. I NEED THIS AS SOON AS POSSIBLE. I AM ATTACHING THE HUD-1 SHOWING THE PROPERTY WAS SOLD ON XX/XX/XXXX ALONG WITH THE SHORT SALE APPROVAL LETTERS FROM XXXX SHOWING RELEASE OF THE LIEN AND THE ACCEPTANCE OF {$170000.00}. THIS BANK IS SO UNETHICAL. BANK OF AMERICA TRANSFERRED THE LOAN TO XXXX AFTER THEY SENT ME A CANCELLATION OF DEBT. THEY SOLD IT TWO YEARS LATER. AGAIN, UNETHICAL PROCESSES OF BANK OF AMERICA CONTINUE. THERE IS NO ONE AT THE BANK WILLING TO HELP CORRECT THEIR MISTAKES. I COULD GO ON. THIS IS THE ONLY COMPANY I HAVE EVER ENCOUNTERED SUCH AGGREGIOUS PRACTICES. SURELY THESE PROCESSES ARE UNLAWFUL. I DO N'T KNOW WHAT ELSE TO DO. THIS BANK CONTINUES TO REPORT INACCURATE AND FALSE INFORMATION. CAN THE CFPB INVESTIGATE THE FRAUDULENT PRACTICES OF BANK OF AMERICA? I AM SURE THAT I AM NOT THE ONLY ONE WHO CONTINUES TO SUFFER AT THE HANDS OF THIS BANK. SOMEONE HAS TO STOP THIS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-07
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I make less then XXXX a year and I was told by Navient before my private loans defaulted I had no more options now they are trying to sue me or garnish me and I can barely pay my phone bill. I 'm trying to get and find a better career so I can pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-18
Company: Associated Credit Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX i RECEIVED NOTICE FROM aSSOCIATE cREDIT sERVICES REGARDING A DEBT IN THE AMOUNT OF {$100.00} WITH XXXX XXXX THE LETTER STATED I HAD UNTIL XX/XX/XXXX TO DISPUTE DEBT XX/XX/XXXX I RECEIVED AN EMAIL STATING I HAD NOT RESPONDED AND I WAS TO PAY XXXX XX/XX/XXXX I RESPONDED TO THE LETTER ON THE WEBSITE XXXX  TO DISPUTE DEBT AND REQUEST EVIDENCE. 
XX/XX/XXXX I RECIEVED ANOTHER EMAIL FROM ACS STATING THAT HAD ATTEMPTED TO REACH ME NUMEROUS TIMES WITH NO SUCCESS AGAIN STATING I OWED THEM XXXX TWO MINUTES LATER ON XXXX I RECEIVED ANOTHER EMAIL STATING THE SAME INFORMATION BUT NOW SAYING I OWED XXXX. 
I HAVERREACHED OUT THEY HAVE NOT REPSPONDED AND ARE EMAILING ME DIFFERENT BALANCES DUE FOR THE SAMEACCOUNT NUMBER IT JUST MAKES NO SENSE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America is prohibited from collecting fees during the loss mitigation processes. Dual tracking protections apply to Requested Mortgage Assistance ( RMA ) applications per California Civil Code 2923.6 ( g ). 
Prohibited fees during loss mitigation are not to be collected. Servicer may not collect any late fees when a complete loan modification application, other foreclosure alternative, or appeal is pending, or when borrower is compliant with any foreclosure prevention alternative plan per California Civil Code 2924.11 ( f ). 
Bank of America and their representatives has engaged in unfair debt collection as evidenced by the XXXX XXXX and XXXX XXXX Bank of America provided account records including, by not limited to, payment histories aforementioned. 
Bank of America has assessed fees to this home loan mortgage account amounting to tens of thousands of dollars, including fees incurred by XXXX XXXX XXXX XXXX ( XXXX ) in their roles as both debt collectors ( from XXXX XXXX to XXXX XXXX ) and beneficiary trustee ( from XXXX XXXX to present ). 
Bank of America has also engaged in record and document tampered destruction. 
Please refer to the submitted documents provided upon assignment of a CFPB complaint number for this complaint.

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 2016-10-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I was contacted by someone from Navient using an Ohio number asking me about a relative so they can relay information. 
When I said that I do know this person, and inquired about how exactly my information was obtained by them, the call was ended. 
The number was XXXX, the reps name was XXXX and he said he was from Navient formerly XXXX XXXX Help me find out how my information was discovered and to have this company never contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Trident Asset Management, L.L.C.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I requested verification of debt but never received ( i.e.contracts, signatures, identification ). Collections remains on credit report as verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: VA
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 been in contact with each credit reporting agency since XX/XX/2022. After a few letters and a phone call to each I have decided to file this complaint. A overload of hard inquiries not authorized by me need to be removed. At no time do the companies nor the credit reporting agencies have permission to list this on my consumer report. The real fraud are the companies and credit reporting agencies not following consumer laws and taking the power from the me as the consumer. There is a invalid Bankruptcy listed that is not authorized. The agencies are in full violation of the law and I demand they abide by the consumer law as I am the consumer.

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: EQUIFAX, INC.
State: AZ
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:
The list of information and inquiry was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiry listed below : EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRY : XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
conventional loan from Citizens bank has a 1st loan from Citizens and a 2nd lien from XXXX which has now been paid in full! There is only one loan now with balance of less that {$260000.00} for which two things need to be done : 1. Loan number XXXX Needs to be reamortized and new docs sent to. Me via email ( XXXX 2. Escrow account needs to be removed since value if home is {$360.00} XXXX! CLOSE ESCROW ACCOUNT EFFECTIVE IMMEDIATELY WHICH HAS NEEN DENIED 10 times or more Citizens has received copies of Discharge from XXXX as well as myself and the Registry of Deeds has removed the lien showing that it was/ is paid off in full via original Discharge letter on XX/XX/2022! 

Copies of Discharge of Discharge of Mortgage for 2 Nd lien attached. There was confusion as to this being a grant found out it was actually a loan that would have added more issues to my home in the long run!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I expect a script back from the bank covering themselves but since i am working with a lawmaker to pass laws to protect people like me i am still reporting this. i expect a script and cover your XXXX response. 
My son was born with XXXX in XX/XX/XXXX. I have struggled very much so due to this. We have medical bills of over a million dollars we are suing to have insurance pay for.Despite having a long term relationship with bank of america with NO RISks or any real problems i want to describe actions taken by XXXX in XXXX and XXXX XX/XX/XXXX In XXXX day because I could not believe all they would do is send me copies of credit card agreements when I indeed asked for real help like refunding my interest. I would get letters denying this and copies of credit card statements i neither asked for or needed but never help. Things really deteriorated when I made a remark that with the copies they send me of credit card agreements to verify interest is valid when i never disputed that i made a remark i could make a good fire with all the paper I sent that in writing. NExt thing i knew XXXX person XXXX XXXX called me and told me she was sending me a letter closing all accounts I had about XXXX accounts credit cards for many years. and a bank account. all closed. I know you will say as will the bank that it is legal. 
Know that laws have to be passed to protect families like mine and make banks meet a higher standard when taking these actions. Not say i am a risk when i have never been and was currrent on all. All i wanted was loyalty for loyalty i gave in the form of interest refunded.instead XXXX person made the decision with powers in the bank from the bank to close all my accounts. it is truly unbelievable. If there is any damage to my credit i will take action. Also know before they mde me leave bank my checks no longer funded. the way i was treated was worse than a customer who is actually deliquent. I know i will get a script back that is why i have contacted the media and legislature.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-05-02
Company: Navient Solutions, LLC.
State: CT
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I sent a letter to Navient asking to only be contacted via mail or email, yet I received at least 20 phone calls after they received the letter. I am also certain they received the letter because they sent me a response stating they could not negotiate terms via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reached out to XXXX, XXXX, and Transunion yesterday XX/XX/XXXX via phone call. XXXX had me on hold and transferred me 6 times and hung up in my face. I have told them to remove false information and account information from my credit report. The send a automatic generic response and ignore any violation to myself and the law. I called them today and the representative I spoke with was of no help and refused to handle my request as I stated. I will be taking this to the highest level possible and charging for every violation if this complaint does not render the solution I desire. I have not and do not consent to any of the misinformation to be reported under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

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