BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX I defaulted on a mortgage loan number XXXX. On XXXX a fourclosure complaint was filed. The property than went to final judgement and the house was actioned off. The original servcer of the loan was XXXX XXXX Mortgage, Than the servicer was switched to Countrywide home loans and than to Bank of American N.A. I defaulted on this loan well over 7 years ago. Bank of America is still reporting this negative information on all XXXX of my credit reports. This are reporting complete different time dates and defaults on each credit report. Basiclly they have no idea when the default accured because the loan was transfered so many times. Attached is proof that tha default accured over 7 years ago. You can clearly see this on older credit reports i have also inclosed,

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 2016-07-05
Company: Empowerment Ventures, LLC
State: CA
Product: Prepaid card
Sub-product: Payroll card
Issue: Fees

Complaint:
Rush cards terms & conditions state that " # XXXX the combined total of combined transaction fees is limited to {$10.00} per calendar month '' I have been charged way more than {$10.00} in combined charges in a month. Also, they have broken their own policy rules that no ACH payments to bills ect can be executed. They have allowed ACH payments to process without my authorization or knowledge. 

Also, when I activated my card, I supplied a promo code that would credit my account an instant {$20.00}. I have not yet received that and keep getting denied when I call to request that be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
5 AND A HALF YEARS AGO I HAD A CREDIT CARD ACCOUNT WITH BANK OF AMERICA. DURING THAT TIME MY INTEREST RATE WAS 2.9 %. MY HOME WENT TO SHORT SALE AND UNFORTUNATELY WHEN THAT OCCURED DUE TO DIVORCE, ALL OF MY VARIABLE INTEREST DEBT SKY ROCKETED OVER NIGHT FROM 2.9 TO 30 %! MY BALANCE AT THAT TIME WAS {$2300.00}. SINCE THEN I AM TOLD THAT BANK OF AMERICA HAS SOLD MY DEBT AND IT IS NOW A CHARGE OFF. I CONTACTED BANK OF AMERICA AND THEY WERE UNABLE TO VERIFY WHO IN FACT BOUGHT MY JUNK DEBT. SINCE THEN SEVERAL COLLECTION AGENCIES HAVE CLAIMED THIS ACCOUNT WITH VARIOUS AMOUNTS OWED. MOST RECENTLY XXXX XXXX HAS POPPED UP ON MY CREDIT REPORT CLAIMING I OWE THEM A WHOPPING {$19000.00} FOR SAID DEBT WITH BAND OF AMERICA.I HAVE SENT SEVERAL DEBT VALIDATION LETTERS TO XXXX WITH NO RESPONSE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have consistently disputed my account status with XXXX AND XXXX AND TRANSUNION, but my issue still have n't been revolved. It is showing that I have MISSED XXXX payment and that is incorrect. I just talked to XXXX on XX/XX/2017 at XXXX central time, and he even stated that was not accurate, but there was nothing he can do. I do n't think that is fair to me because, it is affecting my credit score.

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 2017-01-23
Company: Navient Solutions, LLC.
State: UT
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 was told by my school ( XXXX ) that I could only borrow from XXXX XXXX and I was not given other loan options. I understood that the XXXX XXXX loan I took out started accumulating interest from the time of dispersal, but I was under the impression that subsidized loans had the interest paid by the government until I entered repayment. I paid towards the full balances of the loans, principal and capitalized interest for 3 years before contacting Navient ( formerly XXXX XXXX ), and asked why the balances on my loans were more now then when I started. They told me they simply " overlooked '' applying the government subsidy payments and they would correct the problem so that form " now on '' my payments would be applied correctly. In light of recent news, it appears I am not alone in this issue and I am wondering just how much of my hard earned money Navient has cheated me out of? I feel they should be accountable for their unscrupulous business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
bank of America is changing information on a fraudulent credit card to hold me as a financial hostage the last date of payment is being moved around so that it remains on my credit report pls help pls help

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 2022-08-04
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
The Credit Bureaus have failed to comply with the FCRA section 605b and cont inuied reporting the disputed items completely from my Credit Report despite all the letters and complaints I have been submitting to the Credit Bureaus. I am frustrated by the Credit Bureaus ' course of action. I have read enough to understand my rights which is clearly being violated by the Credit Bureaus. I am inclined to taking legal actions and sue the Credit Bureaus for the damages done. I have been disputing the removal of the fraudulent items from my Credit Report for a long time, and the last letter I sent to the Credit Bureaus was XX/XX/2022 requesting yet another investigation and proofs to support the Credit Bureaus claims that the disputd items belong to me. Pursuant of the FCRA section 605b, I am urging the Credit Bureaus that they remove the disputed fraudulent items comepletely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$3500.00} XXXX XXXX XXXXXXXX Balance {$4600.00}

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 2016-12-07
Company: EOS Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Beginning in XXXX this company from an XXXX number began calling my phone asking to whom they were speaking with. The first few times I asked them to verify who they were and type of service company. Each time they have refused to do so. Then I began receiving hang up calls, where they 'd lurk on the phone for a few seconds then hang up. This type of behavior has continued without a verification letter of their business and my involvement. 

Today, XXXX XXXX is the first time I received a name of the company - EOACCA, which according to google is a debt collection agency. Same as before they called, I answered and they hung up. I called back saying I received several hangup calls from them, and asked them to verify who they were and their service. I was told that they needed to verify who I was before continuing. I told him I was n't going to. I asked them to stop placing hangup calls and do not call if they could n't tell me their place and purpose of business. The gentleman said at that point that they are EOACCA. I asked what does that stand for and what is their purpose for calling. He said its not an acronym, and I needed to tell him who I was before continuing. I told him I would n't and asked him again not to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: AFNI INC.
State: CA
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:
XXXX XXXX sent a report to a debt collector AFNI stating I owed them {$930.00} for service in XXXX Illinois. I had never lived or even been in Illinois in my entire life. They sent me the bill because the person in Illinois used my name and something close to my social security number but not my exact social security number. They transposed two numbers therefore it is not my social security number. This being said I should have never received a bill. Now I have been thru filing identity theft case to the police department sending letters to debt collectors, dish network and credit bureaus. Nothing seems to be done about this incident that should never had happened since the social security numbers does n't much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: AFNI INC.
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a loan on my credit report that has been sold to AFNI from a company called XXXX XXXX. I contacted AFNI and asked for information on the account because I do n't have any knowledge of the account. The representative could not provide me with any information except for the date it was opened and from where it was from. I asked for the original contract and the representative told me they did n't have it because I wanted to find out who did this. I advised the agent that I had been incarcerated in XXXX prison since XXXX until XXXX and at the time among other accounts this was not mine. I have sent a letter to them but need to file a complaint in reference to someone opening this account and a bank account w/o my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: Resurgent Capital Services L.P.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a garnishment letter from my job that LVNV is going to garnish me for a bill that is from 2007 or later. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I along with my parents have been receiving phone calls from a debt collector regarding a debt that does not belong to me. I 'm certain that the debt does not belong to me based on a letter I received from Fair Collections & Outsourcing, XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX. The calls came from XXXX & XXXX. They have merely used the internet and available information to connect me to someone I know that owes a debt, but the debt is not mine. This is just a scheme to collect the debt and they do n't care who they collect it from. I want them to cease and desist contacting me.

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: Oracle Financial Group LLC.
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I have been receiving numerous calls from Oracle Group in XXXX New York telling me that if I did n't pa them by the XXXX warrants were going to be issued for fraud and several other charges. I thought his was odd and stopped all contact because I have n't received any letter indicating this debt, ever. Then they proceeded to call my workplace and told them the same thing about the warrants for fraud. I do n't believe this is an actual debt that i even owe and they are extremely aggressive on the phone. Threatening me with jail and lawsuits and telling me I need to keep my dogs put up for their own safety. Their names are XXXX XXXX and 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
Consumer complaint received 2015-04-23
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This account was opened in XXXX of 2008. In XXXX of 2008, I was XXXX years of age, unable to legally sign any contract, or incur any debt. I have repeatedly asked XXXX, as well as their Collection Agency, " LVNV Funding, AKA Resurgent Capital Services '' to delete this file, and report the deletion the the Credit Reporting Agencies and they refuse to delete the negative information. This is negatively affecting my credit, as well as potential employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-10
Company: BROKER SOLUTIONS, INC.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is now the XXXX complain I am having to file in an attempt to collect escrow monies from this Company. Our house burned down XXXX/XXXX/14 an insurance settlement was issued to myself and my husband and as we had a loan on the property the funds were forwarded to our mortgage company to be held in escrow for repairs. The house was completed the end of XXXX. We refinanced the house to another mortgage company on XXXX and the loan at new american funding was paid off XXXX. We still hand funds in the escrow account and I spent over an hour trying to get them to send me a check. I was told that unless I sent them the final bill from our contractor the file would not be complete and it would likely be denied. I asked them why they felt they needed that information given my loan with new american was paid off. They were unable to answer this. I then received a check on XXXX payable to myself and a company Called XXXX XXXX. I have never done business with said company. This check is useless to me, I can not get an endorsement from a company I have not worked with. But most troubling to me is all other checks have been issued to me and there is no reason to add anyone else 's name to this check.There are no liens or judgement that would require this. Wether I have or have not paid my builder is of no bearing to New American as my loan is paid off. I am so disgusted that I have to continue to fight and spend hours of my time to simply get funds that are mine. Not that it matters but as of XXXX the builder had been paid in full.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: Atlanticus Services Corporation
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I paid off my Aspire Credit card more than 2 years ago. Recently, I was notified by my potential mortgage lender that Aspire Credit Card has incorrectly reported on my account status with XXXX with XXXX different account numbers and XXXX different statuses. Once as " closed and paid in full '' and the other as " closed and paid with a balance, '' this XXXX XXXX is incorrect and has not been updated since 2009. When I called to ask for a correction, they said my records were purged so they could not correct the account and would not send me a letter stating that the account was purged. Apparently it is their policy to delete all account information if it is paid more than XXXX year old, but not a policy to update the records correctly with the Credit Bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-09-10
Company: Oxford Law, LLC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received a letter form Oxford Law LLC that the stated original creditor has no record of. Complained on the state AG website. Next day I received a call from the company following up on the communication with the AG. The rep wanted to set up a payment plan for this debt I do not owe. Unsolicited he told me the last XXXX digits of my SS # and my former address. I have no knowledge of this debt nor does it appear on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I called Transunion twice to talk to someone about inquirys on my report. Im trying to understand why all inquirys was removed from my report when I checked. I pull my report and transunion has reinserted what they previously deleted. This is a breach of FCRA 611 5 ( B ). I didnt recieve any notice in the mail, email, or by phone of anything. And the representative would not help me and explain to me why this happen. I listed all inquirys below XXXX XX/XX/XXXX XXXX Misc XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2017-01-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
The amount of money they wanted for a monthly payment was way too high for me to achieve. They made the process of lowering the payments almost impossible and took several months, every time I spoke to a person they had different answers and explanations. I was told the payments got lowered to XXXX dollars a month but when I received my first bill it was for XXXX+. Now I can not reach anyone at the company or get any answers. This is just an example of the headaches this company has given me. I am trying my hardest to stay above the waters and do what 's right with paying back my loans and the company is making it impossible for this to be smooth.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
Bank of America cancelled my credit card and issued me a new XXXX because they had detected fraudulent activity despite the fact that I verified all the charges as not-fraudulent. I made XXXX returns for purchases purchased on the old card, which were returned to the old card and the credits never appeared on my account which was now linked to the new card but carried the existing balance from the old card. It took over a month of me calling and chatting with Bank of America representatives almost daily to get one of them to even recognize that there were $ 300+ of credits sitting in the old account that needed to be transferred over. After that nightmare, some of the credits, though they are listed as credits, added charges to my balance instead of crediting my balance. I have spent countless hours trying to get a representative to hear my problem. Instead of listening to what I say, they repeat my balance over and over and tell me when my last payment was made. There is still no resolution. It is XXXX XXXX, 2015, and my first contact was made for this issue on XXXX XXXX, 2015. I have contacted more than XXXX times since XXXX XXXX, still with no resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-17
Company: Talbot, Adams, & Moore, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I believe that the account being re-reported to my credit report had fallen off or paid for by me. I am certain that I paid another debt collection or this same collection agency Talbott Adams and Moore spears the amount of {$260.00}. I called the credit collection agency and they asked for a receipt number which i obviously do n't have becuase it has been XXXX years since i paid for it and it was removed from my credit report. I want challenge the accuracy of the information and verification of this debt from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Closed a Bank of America credit card on XXXX/XXXX/15. Bank allowed a charge to be placed on a closed credit card on XXXX/XXXX/15. I can not believe that this is legal or allowed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Bank of America has repeatedly contacted me regarding my mortgage that is due on the XXXX of each month with a grace period that is due on the XXXX. I spoke with a representative Wednesday, XXXX XXXX and she stated she submitted sometime of cease and xx. I have received 3 call from BOA and it sickens me to my stomach, and I 'm being harassed during a 15 day grace period.

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