BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-18
Company: Riverwalk Financial Corporation
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: Account status incorrect

Complaint:
Recently had an account by the name of XXXX XXXX on my collections. It popped up out of nowhere, I was never alerted, contacted, or emailed regarding this collection. I have no collections regarding to this. I have tried calling but it sends me right to voicemail. It also says its from XXXX XXXX XXXX XXXX. I can not contact them either because the school had closed down in XXXX for fraud. I would like to get help to get off my credit report, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital one has been blocking me from accessing the funds in my account ive verified and passed security breach questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: AZ
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:
A loan of some type was charged off onto my credit report. The company is called XXXX XXXX. The account is costing me XXXX dollars in higher interest rates

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
received letter from Bank of America for intro. 0 % interest on balance transfers for 18 months. Called B of A, gave credit info. and was approved for a balance transfer from XXXX for approx. XXXX. I told the person I wanted to set up automatic payments at {$100.00} per month and he said no problem. I would receive a form in the mail to attach my routing no., accnt. no., and a blank check and send the info back and that would take care of that. I also stated I wanted my payments to be taken out around the XXXX of the month. I had sent the form in immediately, and expected everything to be taken care of. 
I opened a statement 3 weeks ago and learned I was late paying ( did n't make a payment in XXXX ) and needed to make a payment of about {$110.00}. to bring the account current. I called Bank of America and asked them why they had not taken {$100.00} payment and they stated I either had to make a minimum payment ( {$67.00} ) or pay the account in full. No other payments were accepted. That is not what I was told when I transferred balance. Also, my payment due date was the XXXX of the month, not the XXXX of the month that I had requested. Bank of America 's representatives give incorrect information. I closed the account this date ( XXXX/XXXX/16 ), because I do not feel B of A is either up board with info., or the representatives are incompetent. I had been charged {$60.00} in late fees, which they refunded, and I also asked that they refund the 3 % fee I was charged to do a balance transfer ( approx. {$110.00} ). I feel B of A should refund the 3 % transfer fee I was charged when I initially contacted them because I had to pay another 3 % fee to get away from them ( I did a balance transfer to XXXX today ).

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 2016-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I got a letter in the mail started that I have an outstanding balance for capital one in the amount of {$3800.00} that I do n't even know about, I currently have an account with capital one at this time in good stand

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 went over a copy of my new credit report it contained same errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is defaming the integrity of my credit file. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts XXXX  # XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax has reinserted XXXX after they deleted it on XX/XX/2017. I have never received any notice of the account be reinserted ( requirement of FCRA section 610 ) ... they are violating the law & I need this account removed AT ONCE!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-15
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Dear Sir/Madam : This is letter in reference to my denied credit card application with NFCU due to the status of my checking account. 
On XX/XX/2016, I applied for a credit card with NFCU via telephone. During the application process, I asked the female customer service representative which credit reporting agency does NFCU use and her response, " XXXX ''. 

Recently, I checked my credit report as I often due when applying for credit, and I noticed NFCU never pulled my credit. I received a letter of denial, stating Extenuating Factors Exist Regarding Your NFCU Account ( S ). ( Primary ). 

On XX/XX/2016, I contact NFCU about the denial letter and asked XXXX, the customer service representative. " How was I denied when my credit was never pulled? What was the purpose of the application process? '' The CSR response, " I see you have a garnishment on your account '' and that 's the reason for the denial ''. My response, " I should 've been told this before the process of the application because this is misleading the member. So, I waited over one week for a response when you 'll never pulled my credit and already knew that I was n't going to be approved ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Integrated Recovery Services
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
for weeks, people claiming to work for Integrated Services have been calling me, my wife, my family, and my place of employment threatening to serve me papers at work and at home. I have repeatedly asked them to stop calling everyone and they are very unprofessional and rude. They have made my wife cry several times due to the harassment. They call from many different numbers and are not friendly. they also threaten to garnish my wages, sue me, and threaten that jail time will be considered. I have asked them to send me a post-dated bill to let me know that they are a real company collecting a real debt. they refuse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Late afternoon on XXXX XXXX, 2015 I took a check written from my business account into Bank of America to cash. There was only XXXX teller working. The check was written for {$5500.00}. The teller ran the cash through the money counting machine and then took from the stack and said she almost gave me an extra {$100.00}. She put the money in an envelope, without counting it back to me, and I left without thinking there 'd be an issue. Well there is an issue! When I counted the money, and the bank was already closed, I found out the teller had given me only {$4400.00} ... {$1100.00} short. Immediately the next morning I went to the bank and explained what happened. The first representative immediately said the count was not off {$1000.00}. My wife interjected and said it is {$1100.00} off not a {$1000.00}. The representative then went to get the supervisor and after about 30 minutes she explained they would request the video, but there was only XXXX person that managed the entire Western region so she was not sure how long it would take. She called back and said they found no error. I asked to review the video and she refused saying that it would invade customer privacy. There were no other customers at the teller. And if the cameras are focused in on the counting machine to verify it counted out correctly then that too should not be an issue of letting me review the video. Bank of America has stolen {$1100.00}. of my money. The supervisor said their investigation is closed and I really do n't know how else to pursue justice in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: Aspen Yo LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company cancelled my escrow account XX/XX/XXXX and didn't notify me. They are charging me for escrow though still and have taken out of my XXXX through XX/XX/XXXX payments. My home owners insurance was cancelled as they didn't pay it. They raised my inters from 4.5 to 5.5 effective with payment due XX/XX/XXXX. They still haven't been added to my credit report since XXXX of last year. I hold for hours to speak to an agent and just get the run around Gregory Funding

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: North American Credit Services
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have attached the letter I received from the company. It is a third party trying to collect on a medical bill I owe, I intend to take care of the bill but the letter I received has made me feel threatened to do so. Considering the balance i owe I do not feel these collection techniques should be used, threatening to garnish someone when they have not filed suit on even such a low balance seems unfair to consumers. 

All Americans are dealing with debt and medical bills should be something that is regulated differently. 

The fear of a lawsuit when trying to pay all other kinds of debt is terrifying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital One Auto finance - XXXX - is trying to collect and report a negative debt to my credit but it has been paid some time ago. They are reporting erroneously

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04
Company: First Direct Lending, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I received a unsolicited document from First Direct Lending. It was titled Direct funding issuance, and the header had a fake seal of the state of Arizona and the words ACTUAL DOCUMENT and MATTER KNOWN. The reverse of the document shows bold letters saying FINAL NOTICE and REVIEW ATTACHMENTS. The fake Arizona seal again appears on the back of the document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried to contact National Credit Systems about a debt, and did not receive a response. They are unable to provide proof that I owe this debt. Yet, on the XXXX of every month, they are reporting that I owe {$6600.00}. Due to this reporting on my credit monthly, it is hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
Bank of America seeks to enforce a debt which is non-existent, not based on a final judgment, and beyond the California Statute of Limitations of four years for a contract debt. 

The debt collection is barred by the statute of limitations and enforcement is illegal. 

Researching the matter required the use of a California Licensed Investigator which resulted in a cost to me of {$1000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Navient Solutions, LLC.
State: IN
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:
In the process of getting my student loans into repayment status, Navient continues to report that my accounts were late in XX/XX/2015 and XX/XX/2015. I was in an agreement for repayment program. These accounts were not late. I have disputed them with the credit bureau. They remain unchanged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I 've tried several time to renegotiate the terms and conditions of my payment plan to LOWER my monthly payments based on my income. The offers that the company has extended would offer be well out of my budget based on other financial and medical obligations over the years, forcing me to place my loan into Forbarance/Derferment all the while it increasing the total of the loan because of the interest that builds. As an XXXX I 've been told about forgiveness programs that I 've applied for only to been denied. I 've tried everything that I can and would like assistance with this matter because I feel like my case has been wrongly handled according to the federal law that was passed back in XX/XX/2009. 

Thank you for your time and this opportunity to review my case

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: NY
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:
Hello, I have been trying to get these fraudulent accounts off my credit report and I reach out to the 3 credit bureaus regarding this and they still haven't remove these accounts from my profile. This is affecting me from getting my house for me and my kids. Again, I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report below

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Last time I was not quite accurate. My wife, using my data, opened this account without my knowledge. I do not refuse to pay the debt. The only thing I want is for you to remove this account from my credit history after payment.You must understand I can't go to police and make police report or identity theft because my wife used my documents. I still want her be at home and not in prison.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-20
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:
I was notified that my private loans carried through Navient had gone into repayment. I called regarding the repayment because the amount was over 50 % of my income. I informed Navient that I am unable to pay this large amount. I was told that there are no options for repayment, etc. After speaking to a few different people I was told my only option is deferment. I deferred the payments for one year. The interest ballooned and was added to my loan. I 'm confused over two things : 1. Why did my school put me k to loans that offer no benefits my first year of XXXX, and 2. Why do I hear that there are assistance programs for my loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband passed away on XX/XX/XXXX. My son paid off the 1st mortgage. I had the 2nd mortgage to pay for. I loss work do to my husbands death because I was self employed and took it very hard. I had to file bankruptcy XX/XX/XXXX. I paid my 4years and completed the course. After the bankruptcy was completed I received a notice that I was a year late with my payments. I understand that the arrears was forgiven but the bank says I need to provide a letter about it. My Lawyer and the bankruptcy court said it was all in my fillings. they say I owe over {$4000.00} in arrears. I called the bank he said that they started putting my first payment after bankruptcy on the XX/XX/XXXX arrears.. They send me messages each month on the statement that I am late and it could result in foreclosure and the loss of my house. My bal. due as of XX/XX/XXXX is {$10000.00}. I pay a little extra every month. ( {$350.00} )

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 explanation
Consumer complaint received 2023-03-18
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage with United Wholesale Mortgage in XX/XX/XXXX. United Wholesale Mortgage failed to provide me with the original note and deed of trust. I mailed a Notice of Error to United Wholesale Mortgage in XX/XX/XXXX asking for the original note and deed of trust. United Wholesale Mortgage still has not provided me with the original note and deed of trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
On XX/XX/2020, I mailed an FTC notice to stop reporting fraudulent charges to Navy Federal Credit Union. Navy Federal Credit Union does not check the mail of the address that they listed on the credit report so I am uploading the notice here. 

Since Navy FCU is ignoring their mail. I forwarded the dispute to XXXX. XXXX refuses to submit the dispute to NFCU stating that they can not dispute a fraudulent item more than once. XXXX XXXX refusal to investigate new info is a violation of FDCPA I am making all efforts to avoid litigation. The erroneous information reported has caused me to be denied millions of dollars in Cares act funds and other credit, which is causing me millions in damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Bank of America called my place of employment and left a message with a coworker for me to call the number on the back of my card. The perception that I was past due was clearly communicated with my coworker. I called Bank of America on XXXX/XXXX/16 and was told that this was not their standard procedure, but after they reviewed the recording and verified the conversation and they did tell my coworkers to call the number on the back of my card, they called me on XXXX/XXXX/16 and said they found no issue with their employee telling my coworkers to call the number on the back of my card. I feel the perception that I owed them money with this message is a problem and leaving a number to call me back on would have been a better alternative. I do believe they have committed a UDAP and I would like their policy changed to protect other consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : On XX/XX/2020, XX/XX/2020, XX/XX/2020.

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