BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX of XXXX, I offered Bank of America, the owner of the house, $ XXXX for a home and the bank accepted the offer. At the time, the house was a short sale and scheduled for foreclosure and had a foreclosure sale date for XXXX XXXX. So, from the time Bank of America accepted my offer in XXXX I was told I needed to wait for the bank to provide a release letter to close on the home. The house had no appliances and had holes in the walls which I was told needed to be remedied before I could close. I wanted the house, so I bought and installed all the appliances and fixed the holes in the walls. Still anxiously waiting for months to get the release letter, in XXXX, the bank said that they wanted to re-appraise the home. So, in XXXX, after I had done all the repairs and installed all the required appliances the house appraised for $ XXXX more, $ XXXX. So, Bank of America told me they would not give me the release letter to close for the agreed to price that we had under contract of $ XXXX, they said I could n't have the house unless I paid $ XXXX and if I did not agree they would sell the house at the XXXX foreclosure auction. Of course the house appraised for more, I had made the fixes it needed and installed appliances, all from my own funds. It was unethical for them to not honor the offer they agreed to when it went under contract and to threaten not to sell it to me if I did not agree to their new price after waiting months for the release letter after the original agreed to contract. This was wrong. Since the bank was threatening to go through with the foreclosure sale if I did not pay the price increase. I felt I had no choice, although I felt this was very wrong. Under much duress, I signed the bank 's counter offer on XXXX XXXX, XXXX to acquire it before the scheduled foreclosure sale.

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 2017-01-20
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I became XXXX before I could even use my degree and my husband was in an accident that left him XXXX so we had no income at all for a while .I was told that my only way out was forbearance which I did n't understand but agreed to..I am now unable to work, my husband passed away and I am raising my XXXX year old. I asked for the forms for loan forgiveness but have received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: First Advantage LNS Inc.
State: TX
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 was in the service and went on medical leave and the place I was living at was informed and I should not owe anything to this company, now years later they are trying to collect. This is not right, I need some help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. 
XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report.

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 2016-06-30
Company: CITIBANK, N.A.
State: IA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Applied for citigold checking account with promotional code XXXX before XXXX/XXXX/15 which entitles me to XXXX XXXX aadvantage points if I used the accounts in a certain way. " Then, within 60 days after account opening : the required minimum amount of purchases using the Citibank ( R ) Debit Card must be posted to the new checking account AND 1 qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. '' I met all qualifications, but Citibank denied me the aadvantage points. They claim that because the offer promo was not sent to me that they do n't have to send me the miles. However, I was allowed to open the account online and the documentation received when the account was opened online indicated that I was eligible : " This offer is available to Citi ( R ) / AAdvantage ( R ) credit cardmembers who receive this communication. Offers for new consumer checking customers only, XXXX years or older. '' I have an aadvantage card, am a new checking customer, and am older than XXXX. It did not include any indication that the promotion was not valid for me.

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 2021-12-21
Company: MARINER FINANCE, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Receivables Performance Management, LLC
State: NC
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:
This XXXX XXXX account XXXX of {$380.00} was opened on XXXX 2019. The problem was that I was out of the country working for XXXX XXXX and this account was opened by XXXX XXXX. He used my name to open up this account and this debt is his not mine. This is impacting my credit score and need this debt to remove off my credit report on the basis that identity theft was committed.

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 2016-03-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am reaching out in need of assistance with saving my home from foreclosure. I am currently in review for a loan modification and have provided all documents that Wells Fargo has requested. I have a foreclosure sale scheduled on XXXX/XXXX/16 and they are now telling me they do n't have enough time to review me for the modification. Any assistance you can provide in getting the sale postponed will be greatly appreciated.

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 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX payment was reported late. This is not true. I've had this loan for two years ad never was late not one time. Payment was taken off of account for auto draft and was reported late. Can this get resolved ad take off as a late payment. I'm a great customer ad would not let this happen again.

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 2022-05-12
Company: EQUIFAX, INC.
State: GA
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 sent a letter off on XX/XX/2022. Here is my tracking # XXXX. To remove personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802. A financial institution is not supposed to share my information to third-party people. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
When I called Navient over a year ago about how to lower my loan payments and apply for loan forgiveness ( because I 've been a XXXX for over 10 years ), Navient 's agent admonished me and ridiculed me for the poor financial decision I made 15 years ago to consolidate my loans. The agent left me on the phone with discouragement and helplessness, and the implication that I should not pursue any financial relief from an overburdening student loan. I then come to learn from widely reported news accounts that Navient was directing students to more expensive financial loan alternatives instead of dealing in good faith. In the news accounts it said that " ... Navient employees, instead, should have steered borrowers to White House-promoted plans that could 've allowed XXXX interest payments based on earning and eventually debt forgiveness, officials said. '' This made me think that the reason the Navient agent left me unresolved was because I was already in a payment plan that they did not want me to change out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
This account does not belong to me and Equifax continues to report this fradulent Collections account on my credit file, even though i had provided multiple evidences of these agency 's violation of both the FCRA and FDCPA. and Equifax couldnt provide what proofs and evidences the collection agency provided. Continuing to report invalidated debt or fradulent collections is a violation of the FCRA and FDCPA. I have forwarded all my evidences of Equifax violations of the FCRA and Maryland consumer laws to the Maryland XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
This is in reference to the previous case of XXXX that you just closed! 

Why did you close this without requiring that Capital One provide evidence that I was responsible for the charge? 

I can't believe that a federal agency named for protecting the consumer would simply believe a credit card company without them providing a single shred of evidence that I was responsible for the charge! 

What is the value of your organization if you simple accept at face value the word of the credit card company without them providing any evidence that I made the charge?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
It started with this voicemail on XXXX/XXXX/2021 : They said I was being sued by Bank of America for a credit card I had canceled over 10 years ago. The amount was {$9000.00} but would settle for {$3900.00}. They said they sent multiple letters of collection intent but never heard back from me. 

The name of the company is XXXX XXXX XXXX. But it's confusing because when I called they also said they were a law firm : XXXX XXXX. 

Their phone number is : XXXX What was so concerning about this is they had my full social security number. 

I contacted Bank of America, but they couldn't find anything. I called the XXXX XXXX XXXX a few more times trying to figure out if it was a real company but they got progressively more impatient with me and eventually hung up on me. 

I would like to know how I can protect myself.

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 2022-10-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I mailed and or faxed off the attached documents OVER 14 days ago..YOU GUYS BY MISTAKE have claimed me starting it's the Social security office fault ( I went in and called that's false and they have no knowledge ) as DECEASED due to this and or prior I had unasked for : Holds, freezes, alerts, blocks etc set on my account. I am alive you can call XXXX to verify THEY CAN NOT GIVE ME DOCUMENTS TO BACK THIS BESIDES my non voided ID I sent to you and my Social card. If you still need more info or are confused about the issue YOUR COMPANY CAUSED contact MY lawyer whom has contacted you with no avail as late as XX/XX/2022 XXXX asap. I can not apply for anything and I'm in the process of purchasing a car and HOME, per every violation of anyone not being able to pull my ENTIRE credit report you will have to pay me so I was advised. I would prefer to settle this quickly and avoid court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are unable to cash an escrow check ( {$580.00} ) received on XX/XX/XXXX. 
We had lost the check but recently found it. Believing that Citi would have deposited the money with the Massachusetts unclaimed property agency, we called but found that Citi had not done so. 
On XX/XX/XXXX, we called Citi and their agent instructed us to fax a letter and supporting documentation to their Research Service Department. Not having received a response or acknowledgement, we got in touch with Citi again and the representative instructed us to send the request by mail instead. This was sent by certified mail on XX/XX/XXXX. We never received a response or acknowledgement on this second attempt either. Multiple subsequent calls to Citi have been unsuccessful as they refuse to transfer our calls to their Research Service Department nor give us an update on the matter.

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 2017-03-27
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/2017, J.P. Morgan Chase Bank refinanced a loan owed to another lender. I make mortgage payments by ACH transfers from an account at XXXX. When I made the first required payment, I included additional funds in the ACH transfer, assuming that those additional funds would be used for additional principal payments. Instead, J.P. Morgan Chase treated the additional amount as additional monthly loan payments, i.e. Chase deducted amounts for future months ' would-be interest in addition to principal paydowns, as if this were a car lease rather than a home mortgage. 
I called their customer service agent, who confirmed that this was done, and that Chase always does this unless the borrower uses US Mail to mail-in a payment slip that expressly lists the additional amount be used to reduce principal. The agent asserted that Chase would backcredit my account correctly. 
I believe that Chase 's policy ( i.e. unless otherwise expressly ordered, the default treatment is to apply additional funds to future amortization payments, rather than principal reduction ), is a violation of Federal Reserve Regulation Z ( the Truth-In-Lending Law ), which may be adversely affecting thousands of borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
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:
Equifax, I just looked at my credit report and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. 

The following account needs to be removed immediately : Account Name : XXXX XXXX XXXX XXXX XXXX. Account number:XXXX. Reason : Please verify and validate all data for this account, every notation, dates, and balances, whether reported or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX I sent a letter by Comenity Capital Bank that my limit was decreased. I have been a loyal customer to this card for over four years. They have done this to me twice. I have been good with my payments and haven't missed one in years. I pay more than the minimum limit and again they have done this to me twice. My score is low due to my wife being sick and our limits going up on my cards. However these people lowered my limit which means they are basically kicking me when I am down. I called today and they give me XXXX  number... basically " shooing '' me away. I have not been neglectful to this bill and I have been on time with my payments. I just want to be treated fairly and this is the only card that has done this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was an account with XXXX high speed internet.I ended the service because of poor service with there internet speed. I was told that I did n't owe any money to end this account by XXXX billing services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check on XX/XX/21 via the mobile app. Normally I would have access to {$200.00} upfront and the rest would clear and be available the next day. With this check, there was no funds made available, and I was notified via app notification that the entire amount was placed on hold for at least 9 calendar days. This is an inordinate hold and gross misuse of power by Chase. 

I tried calling Chase twice on XX/XX/21 but was out on hold for for a total of over 3 hours. I was also told calling and waiting was the only way to get this resolved, and that they do not have capacity to handle all the calls they get. This seems predatory in nature and puts consumers in a difficult position where there are not able to work towards resolution in a reasonable manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Navient Solutions, LLC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
NAVIENT is in direct violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. My complaint is very simple, once I am granted a deferment on any student loan, NAVIENT automatically reports the account as 90 days late. Now how can that be without a 30 and 60 day late payment history before it. It 's because NAVIENT uses the credit reporting system illegally, using it as a means to destroy a person 's personal credit history without merit or recourse. This practice has been consistent for decades, and I will seek private counsel to file suit if necessary. My student loans are now and have been in payment deferment since I obtained them. 
NAVIENT IS VIOLATING MY FCRA AND FDCPA RIGHTS. I DEMAND A CFPB INVESTIGATION ON THIS ABUSIVE CREDIT REPORTING PRACTICE TO CEASE THIS ACTIVITY ON AMERICAN CONSUMERS!!! 
NAVIENT MUST DELETE ALL NEGATIVE CREDIT HISTORIES ON ME IMMEDIATELY AND PERMANENTLY!!!

Company response to consumer: Closed with non-monetary relief