BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, I am a victim of a fraud for false vacation rental for XXXX $ perpetrated by a fellow BOA account holder : '' XXXX XXXX Account # XXXX ''. 
BOA allow this person to create an account to perpetrate this fraud under the above alias and did not adequately ascertain their true identity. 
I have a " move money team '' XXXX # XXXX in progress via XXXX. 
I would like BOA to reimburse me {$800.00}. 
I have been a satisfied preferred account customer many years hope BOA can make this situation right. 
Thank You. 
XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: Experian Information Solutions Inc.
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Experian refused to validate and verify a debt that is listed on my credit report according to law under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ), Fair Credit Reporting Act 15 U.S.C. 168, and Foreign Corrupt Practices Act. This office refused to provide competent evidence that I had any legal obligation to pay the listed company above and had the authorization under 12 U.S.C. 2605 ( e ), 15 USC 1692 ( e ), and 15 USC 1692 ( f ) in this alleged 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 2017-01-19
Company: Navient Solutions, LLC.
State: CO
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 was never even made aware of income driven repayment options. Now my student loans are double the principle. I am hounded multiple times a day by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I received a XXXX at the for-profit school " XXXX '' in XX/XX/2000-XXXX around $ XXXX. Over the last XXXX years I have paid $ XXXX dollars per month in totaling some $ XXXX. Over the years I have had a hard time paying in spots and they have always denied me the possibility of deferring and suggested I would not only go into default but that my mother 's credit would also be destroyed. It is my contention that due to the insane interest Ive paid ( over twice what the loan was for ) and the lack of options I have been given, I should be able to be able to have some satisfaction after being abused and harassed as a borrower. Additionally I am two months behind currently and they are calling my cell phone at all hours of the day morning, afternoon evening and when I sleep. I am tired of this and want to know when my rights will be cared for as a consumer who was not told my education loan would cost 3 times what I got.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent a letter XXXX XXXX, 2016 asking for an investigation into what I believe are mistakes on my credit report things I do not recall or recognize. It has been 2 months and they have not responded to me. I read on the Internet that they were supposed to answer in 30 days, so now I am very upset.

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 2015-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This issues pertains to a late payment incurred on my Auto Loan which was funded by Bank of America, for a XXXX Mercedes Benz C350 that I purchased in XX/XX/2013 at my local Mercedes-Benz dealership. At the time of purchase, the finance manager at the dealership told me they had not found a bank to finance my vehicle yet, but they would find one and have the bank mail me a statement telling me when and where to send the payment. 
I never received any statements such statements, but Bank of America called me on the XX/XX/XXXX, just as I was in between flights as I was traveling, they claimed they were the lender and claimed to have sent me statements that payments were due and that they were the lender for my car and I was late on the payment. At the time, I did not have access to my bank account information but called them within the next 2 days to make a payment. I later discovered that the dealership gave BOA an incorrect address for me, as they had me residing at XXXX XXXX XXXX instead of XXXX XXXX XXXX. Hence the XXXX statements did not reach me. I immediately corrected the address with Bank of America and promptly made payments for 2 months including the late fees totaling {$1400.00}. 
I have brought this issue up with Bank of America 's customer service department to remove the late payment from my credit report ; but BOA insists they did not make a mistake, they would not remove the late payment. On one hand they acknowledge that the dealership gave them the wrong address and that I never statements received the statements, but inexplicably BOA still claims that the late payment was my mistake. I had over {$20000.00} in my bank account during the period of the missed payment and had the statements been sent to the correct address a payment would have surely been made. I have attached copies of my bank statement to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient is trying to collect over {$50000.00} in loans from me however they can not and will not provide proof that this money was ever paid to any school on my behalf and also they say they will not show any proof that as long as they say I owe it they will make me pay for it, and also they are reporting XXXX different accounts on my credit report which I was not told that would happen each year that I filled out a XXXX I was not aware that they would report each amount differently under different account numbers this should have been disclosed with any XXXX or Master promissory note is filled out and also Navient refuses to offer help to clear up anything and they simply say you are going to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for home modification back in XX/XX/XXXX and was approved for XXXX years and after XXXX years Bank of America sent me a letter stating the modification was denied due to lack of the co-borrowers signature. I have applied several times since then. This last submit of a modification it was sent to a upper level because it had been over XXXX days for a response. XX/XX/XXXX, a different case manager called and stated the case manager told me the wrong thing and I had to reapply again. This has been going on since XX/XX/XXXX and I 'm exhausted and look like I will lose my home because Bank of America does n't communicate with each other. Loan # XXXX ... Please help I 'm trying so hard not to lose my home and I 've worked very hard to believe in the mortgage system and the judicial system. Thanks in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The following ( XXXX ) accounts are listed as " Open - Unknown '' when they should be listed as " Closed under Bankruptcy, Chapter XXXX '' :1. XXXX XXXX2. XXXX XXXX3. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I was a victim of the inquiry problem with transunion

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 2016-09-26
Company: TENET HEALTHCARE CORPORATION
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
My son received care at XXXX XXXX Hospital on 2 occasions, XX/XX/XXXX, and XX/XX/XXXX, to address injuries received as a result of his participation in a high school athletic event. At the time of his initial hospital registration, the registrar was given XXXX insurance providers, our primary carrier which is XXXX, and the carrier used by the high school, which was at that time XXXX XXXX. 
Sometime thereafter I began receiving receipts verifying payment from other agencies who participated In his care, namely the ambulance company that provided initial transport, the surgeon who performed the procedures, and the physical therapy group that was used for his rehabilitation. 
After receiving no such notification for some time, I contacted the XXXX XXXX Hospital billing department to inquire as to the status of the account, and was given a different number to call. After placing the call I was asked for my contact information, which did not match their records as the address listed with my name was the address for XXXX XXXX XXXX XXXX, who XXXX XXXX Hospital had apparently been sending invoice statements in my name. 
XXXX XXXX 's liability had been maximized, but instead of billing XXXX, the account was made self pay. Given the incorrect address listed on my account, I was not made aware of the outstanding balance, nor the fact that my XXXX insurance had not been billed. 
After I corrected my contact information with what I was then advised was a collection agency, I checked my credit report and found that the accounts had been posted as delinquent resulting in a significant impact on my previously excellent and unblemished credit history. 
My position is that should the XXXX XXXX billing department been accurate in the documentation of both my insurance carrier and my contact information, this would never have been an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
An old Home Equity Line of credit that I closed at Bank of America in 2008 was suddenly reopened without my permission about a year ago. When I called the bank and informed them of what appears to be unscrupulous sales practices, they claimed it was never closed and I would need to send the {$10.00} to close 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 monetary relief
Consumer complaint received 2016-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX is reporting a debt balance of {$760.00} on all XXXX of my consumer credit reports. This debt balance was supposed to have been paided by XXXX when I switched from XXXX to XXXX in XXXX 2015. The debt balance was supposed to have been paided by XXXX as part of their Cut Your Bill in half advertisement. XXXX stated in their Cut your bill in Half promotion that when you switch to their company from your old cell phone provider that would pay the remaining portion of your prior bill. XXXX has not paid this balance and XXXX is reporting this balance to the XXXX consumer credit agencies. Since XXXX has not paid this balance then they are lying in their advertisement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This is what I have written to Equifax and the accounts I am disputing are in 3 separate letters and they have failed to do the following : # 1 properly investigate # 2 provide the documentation made available to me under sections 1681 and 609 as well as # 3 correct my credit report *Please see the documents that I have uploaded that contain my disputes. 
In part, this is what I wrote to TransUnion : I have specifically made complaints against you to the Consumer Financial Protection Bureau in regards to your failure to investigate the accounts that I have noted as inaccurate as well your negligence in provided the required documentation I request and made available to me under section 1681 of the FCRA as well as section 609. 
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Pursuant to section 1681 and comments by Congress, I have notified you that these accounts are incorrect and I require that you send me all the documentation that upholds the listing that you have on my credit file. Your job is not to " interpret '' the FCRA - Congress states that this is in clear language that you can not simple repeat what the creditors say and that you must go beyond what you receive from the creditors to determine if what you received is accurate or not. You have not done so and I can see that most accounts were not even investigated :

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 2015-12-03
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Navient has called and left a voicemail on a previous employers mailbox. Not only is this a violation of my rights, a disruption to their business but I have also asked that they no longer contact me via phone but only to contact me via USPS. This is the second time it has happened and I do not believe my previous employer appreciates the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed with the credit bureau regarding an insertion on my credit reports from XXXX XXXX who was collecting from XXXX different collection agencies at the same time while the amount of the debts were in dispute. I sent backup to the credit bureau and instead of investigating and not sending backup, they just left this insertion on my credit report. This was in dispute before it was placed on my credit report!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I noticed that my hard inquires were deleted on my Trans union account and then a few days later they were added back on without prior written notification.

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 2015-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been with BOA for 21 years, during that time I had a checking acct linked to a line of credit. A week ago the bank discount the line with informing me, I found out when my wife went to the store and her card was reject for lack of funds. She informed me I went to the bank, they said my line was disconnected and they ca n't reconnected it back. I asked why they '' we do not offer that service anymore, although we disconnected it and it a bank error, we ca n't fix it! '' I have spoken to various people in the bank, no one will help me!!!! 
I asked the if they did away with all acct like this, they said no if you have it you are grandfather in. I said if I had this service for 21 years and the bank disconnected it out tell me why ca n't reconnect the line, it is still open. the response I got was unbelievable " we will not do it and that it! '' How do I get this resolved??? I want my line hooked back up to my checking acct. I call the executive branch of bank of America, they said they will not do it Thx XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: OH
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 made numerous complaints to Navient about how they handle my payments. I have overpaid every time that I make a payment and request that the remainder of my payment be applied to the principal, but a representative from Navient has told me that they would not do that, and it would instead be put toward my next payment. I want to pay my loan off early and not pay all of the interest that it seems the company is trying to force me to pay by not applying the remainder to my principal like I have requested. This is an extremely unethical practice, and I believe that if it is not illegal, it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In XX/XX/XXXX I notice a Bankruptcy # XXXX that showed up that I know for a fact does not belong to me. I notified Equifax and they claimed it was verified. This can not be true because I called the court and the had no idea what I was talking about. They had no file on me and said Equifax never notified them or verified anything about me. I want this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and Transunion is refusing to delete the items and block them from reporting. I mailed A CERTIFIED LETTER ( received XX/XX/XXXX ), police report, and identity theft report to you and the items are still appearing on my credit report. According to the FCRA XXXX ( XXXX XXXX. XXXX ) ( a XXXX XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of -- ( XXXX ) appropriate proof of the identity of the consumer ; XXXX XXXX XXXX a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and XXXX XXXX XXXX a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection XXXX a ) of this section -- ( XXXX ) that the information XXXX be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section ; and ( XXXX ) of the effective dates of the block. 

I have sent creditors and XXXX the id theft report and police report as well so why is Transunion verifying with them Is beyond me. They are not abiding by the laws to block these items that I am in no way related to

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 2016-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is information on my report that is not mine. I live in XXXX, and have all my life. There are adverse accounts that originate in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Duplicate entries, debtor : XXXX XXXX account # same as XXXX, triple reporting, aged out account XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief