BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Ref : Car Ref This is the XXXX 4 times bank of America refused to give me credit ; I Had been trying to reestablished an account with Bank of America and it has keep denying me for either credit cards or bank loan.. I had apply with other loan and card companies and got approved .. I do not understand why bank of America is discriminating me since my property foreclose was canceled by the court. Bank of America is refusing or helping me to reestablished my credit that I already had. I hold other account with max credit of {$6000.00} in good standing and my credit score is XXXX approx. But i do not understand why bank of America is refusing to give credit. I feel discriminated by Bank of America. Please 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 2017-03-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My Complaint with Experian is regarding the reporting of negative information on my XXXX account. The negative reporting is damaging my credit and Experian is allowing them to continue to damage my credit, due to Unfair reporting on the part of Experian. I feel that if credit reporting agency Experian is not reporting the XXXX account correctly. I have numerous disputes to Experian regarding XXXX 's incorrect reporting of the XXXX account. In an earlier dispute Experian agreed to investigate the issue and update my credit report but instead I received a response from a rep. that whatever XXXX reports will be on my credit report, I think this type of action is bias and discriminating when you do not consider all parties involved and to fairly weigh the evidence, as a result it has severly damaged my credit. In past disputed to Experian I sent in documentation of a forbearance period where no payments were expected or postponed, but I still made payments.letter from XXXX stating that the dates were I was suppose to make payments on the account. I am enclosing documentation of payments made to XXXX. According to XXXX my loan was not in repayment until XX/XX/2015, so why am I 60 days late in XX/XX/2015 and 90 days late in XX/XX/2015, this reasoning is not logical, Thank You.

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 2016-12-15
Company: Williams & Fudge, Inc
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
The university in which I was attending ( University of XXXX - XXXX XXXX ) has forwarded my account to which validation has not taken place to a debt collection agency ; Williams & Fudge , Inc . This agency has added frivolous fees and commissions to the balance of the alleged debt in amounts which are unclear and deceptive. Agents for this collection agency have not been forthcoming in explaining this debt to me nor have they provided a break down of what they allege I owe their client. Further this agency has deployed the use of an autodialer making numerous unauthorized calls to a mobile telephone in violation of TCPA. This agency has attempted debt collection actions against me at my place of employment placing my career and livelihood in jeopardy, they have done so after repeated requests to cease and desist. 

WILLIAMS & FUDGE , INC . 
XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Big Picture Loans, LLC
State: MN
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
A credit of {$1000.00} was made to my bank account by Castlepayday. I did not apply for any loan. I contacted the bank & they instructed me to call Castlepayday which I did. They verified all the information, told me a debit would occur on XXXX/XXXX/15. Today the bank called and Castlepayday debited XXXX. I again contacted them and was told the additional XXXX was interest amount on the XXXX loan. They again verified the transaction and I was told that the XXXX would be reversed along with a XXXX fee because their action caused an overdraft at the bank. I was told the first action occurred because of an error in typing the account number by one of their employees. But to then make a XXXX mistake is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Harassing phone calls. Received phone call before XXXX on Saturday XX/XX/2017. Phone call received was at XXXX. Received phone call after payment arrangements were set up online on Friday, XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Chase Bank put a check on hold because I " have a short account history and few deposits '' which is absolute XXXX because I was actually a Chase banking customer for many years when I lived in XXXX -- and, frankly, people move and I have never experienced a bank holding checks for ANY reason, anyway ... 

NO ONE EVEN NOTIFIED ME THAT THE CHECK WAS PUT ON HOLD so this could have resulted in overdraft fees that I 'll take a wild guess Chase would have refused to refund. Chase took a course of action that I 'm calling out as an attempt to fraudulently gain more fees from me. 

When I called the bank, the representative would not clearly explain WHO put the freaking hold on the check and her supervisor 's best excuse was that the system 's algorithm told them to do it ( in far less intelligent wording ). Well, I have a XXXX and used to work in XXXX, so that 's a XXXX answer if I 've ever heard one. There are REASONS an algorithm is programmed to take certain actions. 

I have never had such issues with a bank, and this is completely unacceptable. 

I should not need to go to the trouble of finding a new bank and transferring everything over just because Chase is XXXX with me. I 'M XXXX, BUT FRANKLY WHEN THERE IS NO ACTUAL REASON FOR BEING DISCRIMINATED AGAINST IN THE FINANCE INDUSTRY, THAT 'S *ALWAYS* WHAT IS ACTUALLY HAPPENING. THIS XXXX WILL TAKE HER BUSINESS WHERE SHE IS WELCOME ... ( AND ENCOURAGE HER MOTHER TO MOVE OVER {$200000.00} IN CHASE STOCK ELSEWHERE IMMEDIATELY )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: KEYCORP
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Key Bank sent a proposed arbitration provision to our Preferred Credit Line Agreement with an opt-out requirement, including that the opting out " must include the information set forth in the Arbitration Agreement, '' requiring borrowers either to make a copy or transcribe its proposed account agreement merely to preserve the existing account agreement. 

The proposed loan modification agreement was not sent by proper legal notice in New York State but was sent by First Class mail, postage prepaid, which makes the notice and opt-out provision legally dubious.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I represent a company by the name of XXXX. in XXXX Ca XXXX. We just received an email from Flagstar Bank in XXXX Michigan with the following message. 
Dear XXXX, Flagstar Bank has conducted a Management Review of your status as an eligible Escrow Agent. Based upon our analysis, we have made a business decision to exclude your company from our eligible list. 

It is Flagstar 's policy not to discuss the basis for its decisions. 


Thank you Flagstar XXXX Support Specialist-Funding XXXX MI XXXX All settlement agent approval docs and questions send to XXXX Call funding support assistance at XXXX, follow the prompts We are a very reputable company and we work closely with buyers and sellers in California. For a lender such as Flagstar Bank to force us to cancel an escrow that we have already completed XXXX % of the work needed is unconscionable. For the benefit of the buyer and seller on this transaction, we will cancel this escrow so they can close with another company, but this act by Flagstar Bank will damage future business. At the very least we should know why they so we have an opportunity to correct any issues, Thank You

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 2015-05-20
Company: American Coradius International LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX reported lack of payment to credit collection company American Coradius International. I did not open this account, and even the email used to open should raise suspicion. When I researched online, it appears this regularly happens with XXXX and ACI.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I checked my report on XX/XX/XXXX and noticed that a account for XXXX was deleted from the credit file and today when I checked my credit file after spoking to a representative of Equifax they refuse to honor my request and claim that they do n't see anything in there system showing that this account was removed. Equifax failed to notify me via mail of the reinsert which according to the FCRA with five days that they will be reinserting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: FL
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:
Dear XXXX In reviewing my credit report from XXXX, I found unauthorized Inquiries. I made numerous attempts to resolve this matter via XXXX automated service, however I had no success by phone. The following inquires are unauthorized. 1. XXXX XXXX Inquiry date XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry date XX/XX/XXXX 3. XXXX XXXX XXXX  XXXX Inquiry date XXXX XXXX XXXX 4. XXXX Inquiry date XX/XX/XXXX 5. XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX 6. XXXX XXXX XXXX Inquiry date XX/XX/XXXX Under 15 U.S Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: SC
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 XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights .

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This company failed to verify my alleged debt with-in the 30 day time frame allocated by the FCRA, this company was then forced to delete this debt from all reporting agencies. this company did not update Experian with this information as they still reported this debt. i have disputed this with Experian recently and are awaiting the results. the law requires that if a company reinserts deleted information then they must provide me with notification within five days of doing so. They failed to comply again!! i'am beyond frustrated with this company as they keep reporting debts that do not belong to me. to make things more interesting they falsely stated that i paid the account and placed the item back into my report on " paid status '', i have not paid this company a dime because this debt does not belong to me. so because this company was forced to delete my information, they choose to do what ever they can to make my life miserable. They have repeatably broken the rights i have as a human under our federal government guidelines. something must be done about this! we must find out who makes the decisions at this company and hold them accountable!

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 2016-02-26
Company: ERC
State: DC
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 has been attempting to collect on a non-existent debt. I have at all times had all outstanding balances paid on all accounts. I have proof of payment for the amount they allege is owed ( attached hereto ). A different collection agency previously tried to collect on this account approximately 1 year afo. I contested the claim, and that stopped contacting me. Now a different collection agency is contacting me to attempt to collect on the same non-existent debt. XXXX has agreed verbally on the phone that I owe no debts, and promised a letter of confirmation which they never sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
it is said that I have a Open End Payday Loan from Speedy Cash. 
As of XX/XX/2019 it is said that I owed {$320.00}. As Of XX/XX/2019 and today I am charged with a interest fee of {$0.00} and that the total amount is {$320.00}. Ad Astra Recovery Services , Inc. is a debt collector thts trying to collct a debt that is said that I owe to speedy Cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: FL
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Accounts Has violated my rights, XXXX # XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, 15 U.S.C 1681 section 602 A state I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish A 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 explanation
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: FL
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Accounts Has violated my rights, XXXX # XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, 15 U.S.C 1681 section 602 A state I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish A account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have a friend in Iowa, I met on XXXX. We 've been friends for over XXXX years, I 've been currently dealing with my mother in the hospital and was shocked to receive a message from her stating that she had been receiving a call from " XXXX '' so she finally answered it. The caller said his name was XXXX XXXX and he was looking for me. That I had a debt to take care of and he proceeded to give her his number and reference number and asked to pass on this message. 

From what I gather, this act is completely illegal. We 're not related, I have never put her number down on anything in regards to being my number or personal reference. So I do not understand as to why they were able to call someone that way. 

I called the company this morning and XXXX did n't have much to say about in regarding this matter or why she just said that I put this number down as my point of contact. 

I 've had one number, one. and I 've had my XXXX account opened longer than I 've known my friend. so I assume they were trolling the people I 've sent money too which I 'm assuming is also an illegal tactic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have had an account with Bluebird American Express for many years ( atleast 5 plus ). I originally opened this account when I lived in XXXX  and my name was XXXX XXXX I have married and moved to XXXX  and my married name is XXXX XXXX. I updated my information with bluebird last year. I never receive new card so i just continued to use my original card. I woke up today XX/XX/20 to an email that says my account has been locked or permanently suspended. I called customer service and they said that I have to write a letter to a PO Box address to customer care to find out why my account was closed. I had no notification prior today and I have an available balance of over {$3500.00} in my account that I am no longer able to access. I feel this is an unethical practice for me to not have access to my personal money that I have had deposited into this account via direct deposit. Customer service reps say that they are unable to tell me the reason for the account closure. They have no other means to contact other than a customer service number that routes to another country with a strong language barrier and agents reading from a script and will not answer questions, their only advice is write a letter to bluebird customer service. A letter to get my funds back from an account that was locked for no valid reasons, an Acct I have had for many years and an account that I have 2 reoccurring direct deposits routes to. I have mailed the letter with much documentation to support their is no reason for such actions on their part. I also sent in documentation of proof of my name changing when I got married. They received a copy of my marriage license, my previous social security card with my maiden name, my current social security card with my married name, my drivers license, my tax return for the last 3 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14
Company: Navient Solutions, LLC.
State: NJ
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 made a payment to my Navient accounts and the payment was applied to the wrong account which resulted in Navient reporting that my loans were past due to the credit bureau. This caused my XXXX score to go down XXXX points. I have been working with Navient since XXXX 2016 and the issue still is not resolved. I have requested that my payments be suspended until it is resolved but have not received a response. I have also expressed that this error has caused my car insurance premium to increase due to the negative impact their error has caused regarding my credit score. This is the second issue I have experienced with Navient that has negatively impacted my XXXX score and its required that I spend hours of my time and months to get it resolved. I emailed them again today and provided my old credit report with the correct information prior to the misapplication of payment and the current credit report with the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I called and asked that they remove the comment on my XXXX Credit report " customer disputes ''. I do not dispute and agree that it is my bill. I was told I 'd have to pay the bill before this was done.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This information is on my Credit report. XXXX Docket # XXXX File Date XXXX Released date XXXX Amount {$530.00}. This is all the information that I have, I know nothing about this debt and would like it removed from my Credit Report. I do not have any documents regarding this because I have not lived in Indiana since 2010. I have nothing with this information regarding this debt. I have searched Indiana State wide data base, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX This information is not in any of their systems.

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