BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
A payment was sent to Bank of America without my authorization and knowledge and a account was automatically generated. Because the payment would be further delayed if I chose not to use the account that I did not authorize, or even have knowledge of. I did not receive a check by mail and by then I did not have a choice but to use the account. 
The local child support enforcement who sent the payment to Bank of America has knowledge that I was expecting my payment by check but in fact, chose to go against my wishes and have a account opened without notifying me which also delayed payment to me. 

And to insult to Injury, the Bank continuously denied transactions when I used my bank card in the store which was embarrassing, the account had available funds. The reason I 'm told is because I swiped a card that was lost/closed out by mistake, but only because I had not discarded it ( no scissors handy ). Because I swiped this card that had been closed out a year or more ago they ( Bank of America ) blocked transactions for the ACTIVE account, at their discretion meaning Bank of America reported fraud on the active account because I swiped the closed out card by mistake that is NOT even tied to the active account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: HOVG, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Bay Area Credit continues to call my place of employment even through I have asked them not to contact me at work.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Hi, I filed a report previously- XXXX regarding this account with Layne Bryant credit card XXXX I requested the card be closed in XXXX of XXXX. The account wasn't closed and I was fees every month after that for 6 months. I called them every month about this issue and they assured me that it wouldn't happen again. During this time in XXXX of XXXX they reported a late payment on my credit report. 

When I previously filed a complaint, they stated that they would remove the late payment from my credit report and refund me for all the charges that had happened for over 6 months. They have not done anything that they said that they would do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: MI
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 sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ACCEPTANCE NOW XXXX Balance - XX/XX/XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 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
Consumer complaint received 2022-02-05
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
i was the victim of identity fraud and i need all these negative items removed due to this problem im un able to get approved credit cards im unable to get a car or even an apartment

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 2022-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am a new Bank of America credit card customer. I set up Auto-Pay immediately when I receive my new account information. The settings were to pay my entire statement amount on the due date. Unfortunately, this feature offered by BoFA fails to do what it advertises. Using Auto-Pay for my first two statement cycles has racked up over {$100.00} in non-refundable interest, along with overcharging my checking account by {$4000.00}. Reporting these bank errors to the company has not made any difference in their Auto-Pay product, nor a monetary refund for their mistakes. 

Bank of America 's Auto-Pay feature made the following errors : 1. After setting up Auto-Pay to pay for the full statement balance on the due date, it does not immediately go into effect, unlike all other credit cards, utility companies, and other billing services I have used. The website did not inform me of this delay, and only a customer service agent told me. Therefore, my first statement payment was late as I had to manually pay the statement. I was charged interest and a late fee, though I had already set up Auto-Pay. 
2. Auto-Pay then deducted the 1st + 2nd statement balances from my account, leaving me with a negative - {$4000.00} balance. 
3. The Auto-Pay payment that went through did not clear on the due date of the 2nd statement. I was again charged interest for being late, even though Auto-Pay had OVERdeducted from my checking account. 

Bank of America has refunded my late fee but has refused to refund my interest fees. Bank of America has over deducted from my checking account by - {$4000.00}, a salt in the wound as I'm losing interest on this overcharge. 

In conclusion, Bank of America is advertising a convenient fool-proof solution ( Auto-Pay ) that does not pay the correct amount on time and charges the customer interest for its product failings. Auto-Pay 's failings need to be correctly advertised, and Bank of America is using this feature to falsely charge their most responsible customers, the customers who even sign up for Auto-Pay, fees and interest for simply trusting its products.

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 2017-12-25
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
AES, once again has " lost '' my student loan deferment forms, which have been submitted via fax and email sinceXX/XX/XXXX.The company through which I borrowed the funds XXXX has dissolved, through bankruptcy. I had 7 LOANS through My Rich Uncle ( XXXX-XXXX ), which in XXXX'sBANKRUPTCY ( XXXX is also dissolved ) were sold to different purchasers, resulting in the lack of correct current loan owner deferment forms being available to me at AES. When I contacted AES, the customer service department mentioned I should utilize the bankrupt XXXX deferment forms to request deferment for all of my loans, which I submitted repeatedly. 
Now in XX/XX/XXXX, the 7 My Rich Uncle ( XXXX-XXXX ) loans are in default. AES listsTHE CURRENT OWNER OF THE LOANS AS FOLLOWS:6 of the loans are owned by XXXX dba XXXX XXXX, while one of the loans is still listed by AES as owned BY BANKRUPT XXXX. 
ATTACHED TO THIS COMPLAINT is one of the deferment forms submitted duringXX/XX/XXXX-XX/XX/XXXXrepeatedly via emails.THE ATTACHED FORM was received from customer service in the Fall of XX/XX/XXXX and thus was reconfirmed as the correct form to submit it has an account number PRINTED in the footer area of the file. I CALLED AES to ask for an updated deferment form ; AES INSTRUCTED ME TO USE THE SAME Bankrupt company-XXXX-DEFERMENT FORM THAT I HAD ALREADY sent many times to AES which, as mentioned it confirmed ss the correct form.AES MENTIONED THAT IT DOES NOT UTILIZE THE STUDENT CLEARINGHOUSE TO CONFIRM IN-SCHOOL STATUS OF BORROWERS AS OTHER SERVICING COMPANIES UTILIZE. 
The DEFERMENT form I sent AES during the summer and early Fall of XX/XX/XXXX was scanned into a fax and sent to AES via fax and email simultaneously in PDF format.I thought sending the form via fax and email would eventually work ; I received confirmation in XX/XX/XXXX that AES RECEIVED successfully at least one PDF email attachment which would be processed soon.AES provided more than one email address and fax number to send deferment forms.I sent deferment forms to every address and number provided.AND WILL KEEP SENDING FORMS until I receive notice to stop. AES COMMUNICATION FAILURE ON MULTIPLE LEVELS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding with 12 XXXX XXXX XXXX  claimed I opened an account on XX/XX/2020, however I have no bank cards with XXXX XXXX XXXX  and did not open a card with them. A family member used my social to open a card. I contacted them and disputed however they claim it was not opened fraudulent when it was. My mother said she opened it with my social. Therefore it was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have sent in certified letters to Equifax requesting that they investigate and remove derogatory account and they have failed to do so. The dispute that I open has already been completed. I have received no Validations from Equifax that the creditors provided to Equifax to validate and verify as accurate. As a consumer reporting agencies 15 U.S.C 1681a ( f ) they are governed by the Fair Credit Reporting Act 15 U.S.C. 1681, which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Williams & Fudge, Inc
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In   XXXX   I applied for financial aid to attend  XXXX   XXXX  College. I applied for a student loan to cover the total cost of my expenses for the semester. A month and a half into the semester, I received an email stating that I had received too much money from the school. When I emailed  XXXX   XXXX ,  Direct Loan   Financial Aid Specialist, a bout it and asked for proof of why I owed the school, He could not provide me with anything. He wrote me an email, where he spelled my name wrong ( I do n't think it was intended even for me! ), and vaguely stated I owed the school money! Fast forward 4 years later, they have sold that debt to a debt collector nam ed Williams and Fudge to  the tune of {$3000.00}, which is negatively impacting my credit and also have held my grades so that now I 'm not able to continue my academics! When I disputed this account through the credit bureaus, they refused to delete it and sent me a faulty ledger, with dates out of place, and no signatures! I have done the math and It was not proper validation of debt that I owe then anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Possible Financial 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:
I have XXXX accounts on my credit report that are fraudulent and those accounts are possible financial and XXXX XXXX Back in XXXX and XXXX I got my social security card stolen along with my ID and all my cards. I have been trying to dispute these accounts for months now. I reached out to possible financial explaining the situation and that I never had an account with them and in an email the representative XXXX on XX/XX/XXXX stated that my email address does not match to any account on their records and I informed them that I know but an account is being reported on my credit report and its damaging my credit worthiness and stopping me from buying a house. I also contact XXXX XXXX on XX/XX/XXXX and I spoke with a XXXX and a XXXX and both of them said the only account they found under my name is a corporate account from my current job and position as a branch XXXX at XXXX XXXX XXXX XXXX and nothing else and when I explain that a credit card that is reporting on my credit report as charged off and is not mine when they looked it up they said it was attached to a XXXX and I dont know who that is. Ive been trying to dispute this with XXXX and XXXX and they keep updating the information allowing the fraud to stay on my credit report. I have provided numerous of police reports and supporting evidence that these account are not mines but they keep allowing them to stay. I filed a report with the Federal Trade Commission and attached it to the dispute, I even filled out possible financials affidavit and attached to the dispute for documentation and yet they still keep updating the information. My credit means a lot to me and having these fraudulent accounts on my credit report bringing my XXXX XXXX down and tarnishing my name and creditworthiness and stopping me from being able to build my future and life is devastating. I have disputed these accounts so many times on numerous occasions providing strong documentation showing these accounts dont belong to me and yet they still are allowing them to stay on my credit report and XXXX still being punished with these fraud accounts that do not belong to me and I need them gone off my credit report immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I had went to XXXX XXXX XXXX XXXX XXXX XXXX in approximately XXXX. The hospital got my Medicare Card and my XXXX Card. On XXXX after moving to XXXX, XXXX, I received my VERY FIRST letter from the INFAMOUS debt collector Syndicated Office Systems. XXXX, XXXX XXXX XXXX. The letter said, I owed a mere {$65.00} for the co-pay. I got on the phone and IMMEDIATELY paid it. There is no dispute of that. The ENTIRE PROBLEM is I never knew I had a co-pay after being shot up with Dilaudid and leaving too high to walk. And, NO ONE said, " XXXX XXXX do you or anyone with you gon na pay your CO-PAY? '' I get my first notice a year and 4 months later AFTER it 's on my Credit. And for 3 years, I have XXXX " collection '' for {$65.00} that even the supervisor of Accounting XXXX said THEY SHOULD REMOVE but Syndicated Office Systems/Central Financial refuses to remove! This is CFPB 's own report on the XXXX name company 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 2016-12-27
Company: Navient Solutions, LLC.
State: CA
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:
As a result of this error, I have 9 late individual marks against my credit score. They only sent one letter for the loan, not 9 notifications for each loan. At the time I was unemployed. If they are marking 9 late payments they should be required to send 9 separate notifications. They do not notify customers that they will have separate negative marks on credit if they do not pay the " one '' bill on time. 
The result of these 9 late marks on my credit have made it very difficult to qualify for housing, utilities, and access to credit. I am enrolled in auto payment and able to pay my loans. 

I was marked late for student loans while enrolled in XXXX. They refused to updated because they need a form from university, previously the university sent a form but since it is not official form, did not have enrollment status, it had the classes I was enrolled in for each semester. I offed to provide them the tax form from the Department of the Treasury ( Internal Revenue Service ) according the the university tells them I am enrolled at least part time for the year. I also offered to provide them my grades. 
Navient makes it extremely difficult for customers to get issue fixed. They email you a form to give to the university to send, but the email does not come for another hours. Then the university requires you to sign a form to let them fill out the form. 
It is a hardship because it requires me to have a printer, scanner and travel to the school to explain what they need to send. Navient offers no good will for people only trying to fix credit, they do not care about customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: WELLS FARGO & COMPANY
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XXXX my daughter, XXXX XXXX XXXX, filed for a student loan from Wells Fargo Financial. She was attending graduate school at XXXX XXXX XXXX in XXXX, AZ. Because she did not have a job, I co-signed on the loan. Since that time she has completed her masters, has a full time job and has been paying on the loan faithfully for the past 6 years. Now that I am XXXX XXXX XXXX, I want to be released from the note. She has submitted 2 separate applications for me to be released but they have denied the requests. When we each called for clarification they have refused to explain why she was denied, insist that we are not entitled to an explanation and there is no one to talk with. They have been rude, dismissive and arrogant.

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 2015-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America has changed their computer system and are creating unnecessary overdrafts in checking accounts by deducting pending charges from the available balance and causing legitimate charges to overdraft. For example, I had a rental car pending charge of {$97.00} on Saturday. I returned the car on Tuesday and because of my 3 day free coupon the charge was reversed. However when I checked m balance on Wednesday, the reversed charge disappeared and the pending charge was still there. The remaining pending charge caused and overdraft because I made XXXX credit card payments on Tuesday. Hence, I now owe BOA {$35.00} overdraft and {$10.00} savings transfer plus {$12.00} overdraft amount. How can this be when the {$97.00} charge should have been removed? On Thursday the pending charge will clear and I will still owe money to BOA. Why did their computer drop the reversal? Why am I charged for something I do not owe? BOA is ripping people off again!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Duel Tracking, poor and deceptive practices, mortgage fraud, modification fraud and foreclosure fraud. 
No written determination issued by Appeals Department on XXXX XXXX escalation. 
Bank of America made knowingly false statements and representations after my appeals were GRANTED. 
A Notice of Default has been recorded with the XXXX XXXX County Recorders Office on XXXX XXXX, 2016 by a known Bank of America 3rd party affiliate XXXX XXXX XXXX XXXX ( XXXX ), refer to recorded document number 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 2022-08-24
Company: COMMERCE BANK
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Commerce bank returned a payment made through billpay on XX/XX/2022 claiming my account never existed using the ID number on the bill. They would assess a late fee and deny I ever sent a payment and insist the late charge stay. They would promise to let me speak to a manager and then hang up on me and not answer any call since that incident. About an hour later Commerce Bank would call me and try to coerce me into paying this illegal late fee and deny that they ever returned a payment once again. I have stated that refusal to accept the balance transfer payment for the balance due minus the illegal charge would be their voluntary forfeiture of the balance and hang up. Commerce Bank has had me blocked from having online access to my account for 2 years because I am XXXX  Responses to this resulted in nothing more then their ban being left and Commerce Bank continuing to send me prewritten instructions on how to set up an online account but kept failing to address why I was blocked from having an online account. This was in retaliation to me winning a fight against their attempt to block a legal name change by simply ignoring it and claiming me changing my name XXXX XXXX affirmation purposes is against their security policy.

Company response to consumer: Closed with explanation