BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opened a checking account at Bank of America and elected to not have overdraft protection. About XXXX months later they covered a debit card overdraft for less than XXXX dollars and charged me XXXX dollars. I contacted them by telephone and explained the situation, they reimbursed my account and I was satisfied. Then XXXX months ago they hit me again for XXXX overdrafts.This time when I called them I got the " POLICY '' run around and they refused to reimburse me. Can an institution violate terms of a contract by declaring a " POLICY ''?

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 2015-07-14
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Attached you may find proof of consecutive payments to XXXX XXXX. Navient reported private loans to the Credit Bureau as charged off and closed. XXXX has informed me they do not own the account and are simply collecting on behalf of NAVIENT and NAVIENT owns the account and can report the account in repayment. XXXX is not reporting the account. I am trying to enlist in the XXXX XXXX and to complete enlistment the XXXX XXXX needs a XXXX Online Report reflecting payments and updated status on Navient private loans. My enlistment is contingent on providing clarification of this reported charge off by NAVIENT on my credit report as in good standing and under repayment. Please help my dream come true to serve for my country. A Supervisor from XXXX XXXX has asked me to contact NAVIENT and speak to a supervisor since they do not own the loans and I have been repaying on time since XXXX of 2012 and payments are going to NAVIENT and not XXXX. I kindly ask for your assistance in facilitating any communication to the Credit Bureau since the loan is appearing as NAVIENT charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I have a loan mod with bank America/ XXXX they allowed me a trial period and said that they would lower interest rate to market rate..I completed trial period ... they offered me a rate of 6.1 percent. I do n't even know, from the agreement, if that rate is fixed or what. They gave me until the XXXX of XXXX to accept this deal, or possibly NO DEAL ...?? I NEED a market rate, that will make it affordable. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I have a XXXX and XXXX mortgage with Bank of America - they are Interest only balloon loans. The first expires this month - I have been working with BofA to get a new loan - which they said I have to go through a complete refinance with an appraisal. They set up the appraisal ( using a BofA company for this ) and charged me {$460.00} for the appraisal. The appraisal came back to low according to them so they had me contact an RE agent for comps in the neighborhood that reflected a higher price. I thought they could do that - but I did and he sent those in. Well no response from them so I requested an update and was told the value stayed where it was and the loan declined. 

I have good credit - not missed a payment in the entire life of the loan - 10 years - and am declined so they can charge me a higher interest rate for the exact loan they say I am not qualified to get ... .Oh and the extra money for their appraisal. 

I do not see any good faith or good consumer focus in any of this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-09
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
I enrolled using my GI Bill and somehow ended up with a XXXX loan out of the deal. I did n't know much about the whole college thing when I went in and had thought I made it clear to my counselor that I did n't want to incur any debt. Now I owe on some education that never even benefited me due to a debt that I never asked for. The counselor told me the GI Bill would pay for everything. I signed some paperwork but I did n't know it was for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had fraudulent ATM withdrawals pulled from my checking account at a random ATM. The bank ( Bank of America ) initially refunded the money ( close to {$500.00} ) but then took the money back - they decided that the transactions were NOT fraudulent since the correct pin was used at the ATM. I had the debit card in my possession at the time these fraudulent transactions were made The ATM that the money was taken from was XXXX. Now, I being told that I have to wait to hear back IF this will continue to be investigated and I am out the {$500.00}.

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 2015-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Trans Union reports that I lived at XXXX XXXX XXXX XXXX XXXX, Indiana XXXX ; I have never lived at that address! I also suspect that my brother XXXX ( XXXX ) XXXX lived at that address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-11
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Aldous is collection company for XXXX fittness center, i have never been a member no i have ever been to thier gym, apparently it was open XX/XX/2017. this has been impacting my credit, i beleive i am victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Franklin Collection Service, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Franklin Collection is trying to collect a debt that originated from XXXX XXXX XXXX that was fully paid. I have no contract with Franklin Collection and therefore I owe Franklin Collection no sums of {$630.00} that Franklin Collection is attempting to try to collect of the behalf of XXXX XXXX XXXX. Please send me any contract with my signature and verification of the debt said to be owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have tried to hsve my payments lowered multiple times but was steered towards forbearance and given no other repayment options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied for a new bank account with my jobs credit union XXXX and was denied due to me being in chexsytems. I read the report from chexsystems and it states that I had a closed, overdrawn account from XXXX XXXX XXXX and it was listed as XX/XX/XXXX. XXXX. I was in the military from XXXX until XXXX and have only had XXXXXXXX XXXX  and XXXX XXXX I have never had an account with. XXXX XXXX XXXX since XXXX. XXXX XXXX  XXXX XXXX account was never over drawn and simply closed due to me not liking their service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Santander Consumer USA Holdings Inc.
State: NM
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I would like someone to investigate my vehicle loan with capital chrysler. They financed a XXXX XXXX for me in XXXX XXXX for the amount of {>= $1,000,000}. Payments to begin on XXXX XXXX in the amount of {$710.00} a month. We are in XXXX XXXX still oweing {$29000.00}. According to my payment history most of payments have gone to interest and {$260.00} to late fees. We would like to trade the vehicle in, an are not able to as they are showing we still owe what we financed after 2 years alomost 3. They are not appling all payment where should be. They barley contcted me now in XXXX XXXX that we missed our 2nd payment. In XXXX XXXX I made 2 payments to cover the XXXX payment. they never applied it and continued to move on and apply to next payment. they are showing we are more than 80 days past due which I do not agree with. I have asked the president of chrysler capital to contact me which has not to this day of XXXX XXXX XXXX to resolve this issue. I feel my money had been robbed from us and we have no clue where it has gone for the past 2.5 years. I feel what they are doing to my money and loan is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Delinquent account

Complaint:
I lost my job during the Great Recession and stopped making payments on my credit cards so that I could continue paying my mortgage. XXXX of my credit cards was with Bank of America. I stopped making payments in XXXX, and in XXXX B of A charged off the debt. In XXXX, I received a XXXX form from B of A showing the charge-off amount with interest and fees. I filed the XXXX with my XXXX federal tax return, claiming the charge-off as income. In XXXX XXXX ( which is 6 years and 11 months from the date of my last payment ), B of A changed the status of this charged off account to active/due, and added interest and fees to the debt ( XXXX more years ' worth, presumably representing interest from XXXX to XXXX ). I called BofA XXXX XXXX. and explained that the debt was charged off and I received a XXXX in XXXX, and thus the account is no longer active but should reflect a charge-off and zero balance due. The agent told me that they can still legally collect on this debt because they never received a payment from me, and that I should speak to a tax professional regarding the fact that I already declared it as income in XXXX. I contacted a credit repair bureau and they told me this is untrue and that I should call back and speak to a manager. I need help. How many Great Recession consumers experienced this, and how many previously charged-off debts is BofA reinstating as active & due suddenly, right at the time when these items should be falling off our credit reports via the " 7 year '' rule?

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 2017-03-31
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have XXXX late marks on my credit report for XX/XX/XXXX and XX/XX/XXXX I reviewed my payment history with Santander and noticed that I made payments in both XX/XX/XXXX and XX/XX/XXXX. I called to get this corrected and they stated, " We do not do that. '' In addition, my account balance has only decreased by under {$100.00} since I got the loan back in XX/XX/XXXX. Santander could not give any detailed information as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: M&T BANK CORPORATION
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
i have been a customer and investor at the XXXX branch XXXX, XXXX M & T bank since they opened years ago. 
when withdrawing {$6000.00} from my checking account XX/XX/2016 i had an unpleasant experience with XXXX. he was arrogant and condescending, and evidently does n't care if i bank here or not. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
On XX/XX/XXXX, received yet another notice as well as many telephone calls over the past months, XXXX continues to harass me via phone and mail and refuse to cease and desist. I am now going to file legal action against them as well as join a Class Action suit against them. 

Since XX/XX/XXXX to present, I have asked them when they call to stop calling and also returning their notices to them demanding they cease and desist. 

XX/XX/XXXX.XXXX -Called the XXXX number and spoke with XXXX at XXXX stating that I am receiving notices and harassing phone calls from them and I want it to stop. XXXX stated it would stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: AL
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 recently went to Experian about the account that says XXXX XXXX and I told them it wasnt my account. The address on the account doesnt even match the address on my profile. Considering this is wrong and is hurting my score I would like this item to be removed.

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 2015-12-14
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
My sister and me bought the house in XXXX in XXXX House ; XXXX, California under the XXXX XXXX XXXX XXXX. Unfortunately after paying all the bills up to XXXX XXXX, XXXX and after this we decided to foreclose the house due to financial problem. After the house was foreclosed the XXXX XXXX XXXX took over the house, which after this we do n't know what happened? We did n't receive any letter/notice from XXXX XXXX XXXX XXXX. 
We thought that we do n't owe any payment to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX until I received the summons notice from Credit Bureau Associates. The address of the Credit Bureau Associates is XXXX XXXX XXXX in XXXX of XXXX, California XXXX. Their telephone number XXXX. The summon notice which I received was in year XXXX stating the amount of {$7500.00} which they want me to pay. Of course I do n't want to pay this amount so I went to the court in XXXX in XXXX, California but unluckily I loss the case. When I go over all the paper works from the Credit Bureau Associates and XXXX XXXX XXXX XXXX I found out that they did n't not send me any bill to the address where I am living since XXXX up to the present. If the XXXX XXXX XXXX XXXX send me a bill using my real address where I am living for almost 34 years ( my only address ) I would have take care of it but since they did n't send me the bill thus it went to debt collector agency XXXX Credit Bureau Associates XXXX year XXXX. 
That is why I am disputing it cause for me its not my fault but their fault of not even sending me a bill, first bill since we foreclose the house. I was just shocked when the Credit Bureau Associates summon notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
During recent visit to XXXX my Debit Card kept being declined, I chalked it up to the merchants processing as Credit as the individuals just stated decline no reason provided, until I returned home to XXXX and received notification from XXXX XXXX and XXXX that payments rejected. contacted Wells Fargo regarding this and they stated that there was a Fraud Hold on the account as I was making a purchase out side of my routine, indicated that I was in XXXX - In formed that is why, indicated that I was in XXXX the previous month and this did not occur and I was not impacted on the use of my Debit Card - so the practice of detecting fraud is not consistent if it hold true to what I was advised, I have now incurred additional costs to per-authorized providers and now I have to go through the process of contacting all my providers to ensure that they have received there payments. The solution I received from WF is that they will provide letter explaining situation and that I would have to call back in to get reimbursement - however no grantee, now due to the inconsistent Fraud Detection practice, I now have to contact all my per-authorized accounts to ensure them that my account is in deed in good standing and that if not already been paid to please proceed and process the transaction again. Do not understand why I should be incurring additional work load as a result of a policy that is not consistent with in the WF organization

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: HW Holding, Inc
State: IL
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:
I have been charged by property management ( XXXX ) for leaving apartment filthy however have photos and dated videos showing proof that I did n't. The management was notified and I was told that I was wrong and charges will stay, because this is how they do business and they always get paid. After 7 attempts of settling what was actually owed. I was informed debt was being turned over to collections because they always get their money. I contacted the collection agency Hunter warfeild in writing informing them the debt was not valid. They said they will investigate and notify me. This never happened and now this illegal and trumped up charge is on my credit report. Would love the chance in court to prove my innocence.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation