BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America is shifting transactions in order to make you go negative or negative multiple times. I have printed up my account history just to show you an example but they processed a transaction on XXXX XXXX then lifted the transaction and processed again today XXXX/XXXX/2017 to make me go negative, what they do is reverse small transactions when a larger one appears so the larger will put you in the negative, then they charge the smaller again. when if they simply charged the original smaller transactions you would not go negative because the larger would be denied. but, they have developed an algorithm to make sure no matter what you go negative when the opportunity arises to deny a charge. with this they do not give you any time to pay of the negative account balance before they charge your account. this has been happening for months but unless you literally print up your account statement every day it is next to impossible to have proof because they delete all previous transactions. they are literally stealing from me and making sure it happens on a monthly basis.

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 2016-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card
Issue: Other fee

Complaint:
On XXXX/XXXX/XXXX a " Small Balance Adjustment '' of {$0.00} was removed from my BankAmericard Cash Rewards Signature Visa card account. 
This transaction was quoted as a " Small Balance Adjustment, Transaction Date : XXXX/XXXX/XXXX, Card Type : Visa and Transaction Type : Fees. 
As Bank of America is aware similar " Small Balance Adjustment '' fees have been removed from my account on the following dates : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XX/XX/XXXX and again on XX/XX/XXXX. 
I was informed on many occasions by Bank of America that this is a system error and given various dates as to when this system error will be corrected. 
Per XXXX XXXX, a Resolution Specialist at Bank of America this system error was expected to be corrected by XXXX/XXXX/XXXX. 
Per XXXX XXXX, a Resolution Specialist at Bank of America this system error was expected to be corrected by XXXX/XXXX/XXXX. 
Per correspondence from the Consumer Financial Protection Bureau, Bank of America is still working on the issue and I should hear from them, Bank of America within 60 days from XXXX/XXXX/XXXX. 
Per correspondence from the Consumer Financial Protection Bureau, Bank of America is still working on the issue and I should hear from them, Bank of America within 60 days from XXXX/XXXX/XXXX. 
As per information provided above this same error has occurred seven times in the last eight months. 
Per a recent letter dated XXXX XXXX, XXXX form Bank Of America, signed by XXXX XXXX, Bank of America is diligently working to resolve the issue and is unable to provide a date on which the matter is to be resolved. The meaning of the word diligently, " showing persistent and hard-working effort in doing something ''. This same issue have happened for the last 7 months. Please resolve this ongoing issue so I can use my Bank of America Cash Rewards Signature Visa card account knowing I can trust Bank of America to process by account in an error free environment. In your recent reply you indicated the problem exist because I continue to remit payments to the account although there is no balance owed and/or a credit balance exists on the account. If you diligently resolve the system error that is causing this small balance adjustment the matter would be resolved.

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 2017-02-07
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have revoked authorization for calls multiple times and attempted to set up payment plan with Navient that fits my budget. They have refused to work with me and I have just ended my approximately 10th phone call where I 've told them they are not allowed to contact me via phone and/or an autodialer and they still do n't seem to get it right. They need to stop contacting me via phone and only contact me via paper mail. I have received no less than XXXX5 calls daily from Navient about a past due balance that I have tried repeatedly to rectify by alternative payment options and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, Account # XXXX, XXXX XXXX has violated my rights. 

15 U.S.C. 1681section 602 A. States I Have the right to privacy.

15 U.S.C. 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, Account # XXXX, XXXX XXXX has violated my rights. 

15 U.S.C. 1681section 602 A. States I Have the right to privacy.

15 U.S.C. 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We have an old second mortgage with bank of america that was DISCHARGED in a chapter XXXX bankruptcy. We have opportunity to refinance as we have a high rate ( 8.1 % ) mortgage but bank of america WANTS US TO MAKE PAYMENTS ON A MORTGAGE THAT WAS DISCHARGED IN BANKRUPTCY. We owe much much more on the home than value even the first mortgage ( owe {$190000.00} first mortgage house worth {$160000.00} ) so we do n't understand bofa and why they want to have us make payments. The first mortgage is helping but bofa is very uncooperative.

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 2020-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened a Capital One credit card account on XX/XX/XXXX. Capital One entered a complaint with the court on XX/XX/XXXX for the past due amount of {$6600.00}. On XX/XX/XXXX Capital One agreed to settle the account in full for {$3800.00}. Payments were made to Capital One as agreed and therefore Capital One filed a motion to dismiss the complaint on XX/XX/XXXX. However, Capital One is still reporting an unpaid balance due of {$2800.00}. I have disputed this as inaccurate with the 3 credit bureaus to no avail. I am requesting that Capital One be persuaded to report the account accurately, that the account was legally paid in full for less than the full balance and the current balance is {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19
Company: Experian Information Solutions Inc.
State: PA
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:
Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company XXXX, Experian, And XXXX. I have circled the items I dispute on the attached copy of my credit report ( s ), these items have been disputed over 6 times in 2 years because these inquiries are fraudulent I am requesting that XXXX, Experian, And XXXX remove these items from my credit report, Incorrect Spellings of My First, Middle, and Last Names I have submitted an FTC Complaint, FTC Affidavit of Fraud, Police Report, supporting my request. 

Sincerely, XXXX XXXX XXXX Enclosures : FTC Complaint ( Already Submitted ) FTC Affidavit of Fraud ( Already Submitted ) Police Report ( Already Submitted )

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 2021-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company XXXX, XXXX, And Transunion. I have circled the items I dispute on the attached copy of my credit report ( s ), these items have been disputed over 6 times in 2 years because these inquiries are fraudulent I am requesting that XXXX, XXXX, And Transunion remove these items from my credit report, Incorrect Spellings of My First, Middle, and Last Names I have submitted an FTC Complaint, FTC Affidavit of Fraud, Police Report, supporting my request. 

Sincerely, XXXX XXXX XXXX Enclosures : FTC Complaint ( Already Submitted ) FTC Affidavit of Fraud ( Already Submitted ) Police Report ( Already Submitted )

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My social security number is XXXX. 
Since 2011, I am still waiting on wages owed to me. Over the past eight years, I've attempted to make partial payments on my balances owed approximately {$150.00}. I appreciate Chase Receivables and XXXX XXXX accepting money from me over this time. However, I am concerned about damage to my credit. I am still collecting unemployment and now I am starting school next year.

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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted the companies three months ago multiple times because I pulled my XXXX credit reports because I am in the process of purchasing a home and noticed a lot of inaccuracies a crossed all three credit reporting agencies. For example, one of my accounts states I was late on XXXX XXXX  times, XXXX XXXX, and Transunion XXXX. Another example, one account reporting open on XXXX and closed on Transunion. There are also collections reporting on my reports I never did business with that don't belong to me. The Reporting Agencies refuses to remove unverifiable late payments and accounts. 
In 1970, The Fair Credit Reporting Act was passed into law to help ensure the accuracy, fairness, and privacy of the information in consumer credit reports. The FCRA requires Reporting Agencies remove outdated negative information and inaccurate information disputed by a consumer. Individuals have the right to request a copy of their credit report, to dispute incorrect information, and to ask for verification of the information contained within each credit report. 
If the Reporting Agencies can't validate or verified accounts with proof, the account must be deleted immediately. The reporting agency keep sending me documents stating accounts was verified without providing me proof. I keep asking for proper documents the agency 's are using to validate and verify account information but never received it. 
I just want fairness and accuracy.

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 2015-05-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our homeowners insurance was not paid by Carrington from our escrow account, resulting in the cancellation of our policy. We were not made aware of the cancellation until we received a letter today from our insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am through naviant and they refused to let me make lowere payments or payments I could afford. They finally put me in a forbearance but they said that would be best since I could n't pay XXXX a month. I now owe XXXX or more in school for 2 years because of fees and interest. I went to XXXX university. They have messed my credit up I ca n't get higher then XXXX. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ALL 3 " CRA '' REPORTING OUTDATED ACCOUNTS NOT MINES AND NEVER DONE BUSINESS WITH COMPANIES : " XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX 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 2022-08-16
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
although i this collection wasnt mines i decided to call the company to resolve the collections since it was really harming my credit. this acct is not mines and i actually had requested a signed agreement. i dont even know what type of debt is this the service rep told me that if i will pay the debt in full that they will remove the collection out of my report. they recently gave me a letter of deletion but the debt is still reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
SWC GROUP keeps calling multiple times a day with different numbers bypassing blocking attempts. I use a blocking app and there using different numbers to around it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Client Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been notifying them that the debt is not mine but they insist in me paying something that isn't mine. 
So please stop contacting me about this because I won't be paying someone else 's debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been notifying them that the debt is not mine but they insist in me paying something that isn't mine. 
So please stop contacting me about this because I won't be paying someone else 's debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sa-Vit Ent Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX This Company has been reported as pasted due balance on my XXXX CREDIT REPORT. I do not know this company. I have never done any business with this company. This company does not have contact with my signature

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 2019-02-16
Company: CITIBANK, N.A.
State: NY
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:
On XX/XX/XXXX, I called Citi Cards to dispute a transaction with XXXX XXXX XXXX. The disputed amount {$2900.00}. 

On XX/XX/XXXX, Citi Cards sent me an email stating that my dispute is still open. 

On XX/XX/XXXX, Citi Cards sent me another email stating that the merchant, XXXX XXXX XXXX had responded to my dispute and that I would be notified within 10 business days. XX/XX/XXXX, I called Citi Cards to ask if they needed any documentation from me to support my dispute. I was told it wasnt necessary at this time and that Citi Cards would request it when needed. 

On XX/XX/XXXX, I received a letter by mail from Citi Cards requesting additional information and documents by a due date that expired on XX/XX/XXXX. On XX/XX/XXXX, I called the dispute department at Citi Cards to inform them about the expired due date on the letter and XXXX, the representative told me that she would make a note on the dispute and bring it to the attention of the investigator regarding the expired due date. In the mean time, she told me to submit my supportive documents through email promptly. 

On XX/XX/XXXX, I emailed all my supportive documents regarding my dispute including the notice of cancellation agreement with XXXX XXXX ( XXXX XXXX XXXX ). 

On XX/XX/XXXX, I received a letter from Citi Cards stating that they couldn't resolve my dispute and will be rebilling me the amount of {$2900.00}. On XX/XX/XXXX, I called and spoke with XXXX with Citi Cards dispute department. He said the case is final and closed. He said I was too late to respond with my supportive documents and the dispute can't be reopened.

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