BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Good day and a happy XXXX holiday to all of you ... 
I am being defrauded by my bank-Bank of America via a direct deposited check paid monthly by one of my renters-directly to me. He lives in XXXX, XXXX and uses the XXXX in XXXX. My B of A banks are down here in the XXXX XXXX XXXX. They have cheated me before. But this time, on XXXX XXXX, the XXXX had sent an electronic check to the B of A and it was endorsed and stamped as received and a copy sent back to said bank and to my renter. I never saw that money. I got into it with B of A reps. yesterday and they promised to credit said amount that apparently went through their " bill pay '' system and they did n't know what happened thereafter? That evening the amount of {$500.00} was credited to my account. And here we are a day or two later and the money has disappeared once again from my account. B of A is trying to cheat me out of money they received/took/deposited somewhere and credited to the other bank? 
Please help as this is totally overwhelming and my account can not handle this missing rent check. Same said property needs a well repaired & I can not do it without said money. The renter is elderly and can not understand what is going on? 
many thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
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: Their investigation did not fix an error on your report

Complaint:
There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Central Portfolio Control Inc.
State: PA
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:
Received a collection from Central Portfolio Control. It seems that someone open a account or applied for a loan on XX/XX/2021 under my name, I have know Acknowledgment of company or completed any transactions with such company or any other creditors this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Cash advance fee

Complaint:
In XXXX of 2014, I attempted to complete a balance transfer from my Bank of America card to a different card with a lower interest rate. The transfer for some reason did n't go through and the {$2500.00} credit card balance was returned immediately back to Bank of America. What I did n't realize until now, is that they converted that {$2500.00} credit card balance to a cash advance balance, which has a much higher interest rate. It was never a cash advance, it was a failed attempt at a balance transfer. I 've been paying an extra 4 % interest on that XXXX for a year and it has been expensive. Also, my payments are not going entirely for paying off the highest interest part of the card, they are being applied equally to both the credit balance and the " Cash advance '' balance instead of directly to the highest balance part of the card. If they would have applied my payments over the last year to the correct balance, it would be paid off by now. When I called them to ask for a resolution, the XXXX from BAnk of America just kept interrupting me and saying " it 's a cash advance, it 's a cash transaction '' again and again, when she had already said " your credit balance that you tried to transfer was immediately returned to us. '' She admitted it was a credit balance that was immediately returned, but refused to honor the credit balance interest rate. 

Please help me fight these evil people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: EQUIFAX, INC.
State: KY
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:
The credit bureau did not remove for inaccurate closed accounts from my report. The accounts are well over 7 years old, wrong payment history and reporting as either paid recently. These accounts have never been paid by me or own by me. I dispute these accounts over 3 weeks to get a re-dispute that still is not accurate. Both Kheaa, and Kentucky Higher Education have never paid ever and are well over 7 years old. They continue to update the payment history eventhough for the 4 accounts this is also not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: WELLS FARGO & COMPANY
State: DE
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:
THE CREDITOR HAVE CONTACTED ME AND I HAVE NO KNOWLEDGE OF THIS DEBT. I HAVE CONTACTED MY ATTORNEY TO GET OUT OF THIS DEBT.

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 2018-01-27
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Lexis Nexis Consumer Center XXXX. XXXX XXXX XXXX GA, XXXX I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 
My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated, harassing calls CONSTANTLY! I have asked multiple times to stop calling so much and only to call once a month and to leave a message for me. They then have contacted my work, some of my friends, some family members and ex-family members as well about getting information and it stating they are a debt collection company. I have written a letter on XX/XX/XXXX for them to cease all calls to everyone except for me, including not calling my work phone as well. and to ONLY call ONE time and leave a message with ME. I have still received calls, but they are addressing a family member on my voicemail. when I called in they said my name ( not the family members name ) and I asked so who exactly are you calling for and they would not say. I am wanting to see if I can take legal action since they have disregarded my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was in the local Wells Fargo branch over a month ago requesting tax statements for me for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was XXXX in Georgia from XX/XX/XXXX to XX/XX/XXXX and am now just getting the chance to gather prior year documentation. 
Please note, I closed all of my bank accounts prior to my XXXX, including those at Wells. I had no open accounts at Wells Fargo during XX/XX/XXXX, yet I received an Wells1099 for the year indicating an income of {$690.00}, which the banker who provided me the document was unable to explain but Wells now cites as originating from a bond that was manually redeemed by Government Reporting. in their letter of 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 2017-03-22
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
They left me a voicemail threatening to charge me with check fraud and serve summons at home and place of employement if I did n't contact them and pay immediately. I was going through a tough time and never attempting to defraud them in anyway. The collection company was XXXX in XXXX PA. Their phone number is XXXX. I have the voicemail saved on my phone as evidence. They also called members of my family telling them they would be at fault if I did n't receive my " summons ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
TD Bank Routing # XXXX Acct # XXXX On XXXX/XXXX/2015, I withdrew XXXX debit tranactions through my above mention checking account. 
I first with drew {$5.00}, and then {$20.00} and remained with a postive balance. After the XXXX prior withdrawals I withdrew {$120.00} putting the account in overdraft for about {$88.00}. If TD bank did correct accounting my balance would have been - {$88.00} plus - {$35.00} according to the time stamp of the XXXX XXXX tranactions. Speaking to the customer service manager who refused to give her fullo name Employee # XXXX informed me that when balancing they go by the largest amount first and thats why I was charged withb overdraft XXXX times. I informed XXXX that this is illegal and charging thousands of customers everyday that XXXX bank is being " UNJUSTLY ENRICHED and this is ENCHEATMENT ''. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX ( h ) XXXX XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern, The reason for my dispute is THE FOLLOWING ACCOUNTS HAVE NEVER SENT REQUESTED LEGAL DOCUMENTATION THAT I NEED FOR MY PERSONAL REVIEW : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX all of them were required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, they failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) they failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation these third party collectors are held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where they are in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. none has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2016-08-09
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Specialized Loan Servicing ( SLS ) who acts a servicing company for mortgage banks, started servicing a current loan, on XXXX/XXXX/16 SLS sent a letter indicating " that if i dispute the debt within 30 days SLS will obtain verification of the debt, on XXXX/XXXX/16 i sent a dispute letter together with a QWR but as of today there is no response from SLS but they are continuing to collect on the debt,

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 2016-07-08
Company: Conduent Incorporated
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Not receive the right amount of money each month on my cards I know it are fraud going to report it to law system

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 2015-12-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I am current on my credit cards and paying payments on time some i paid off they cancelled my credit cards due to much inquiring which is not true at all.why there are canceling and lower my credit limits even i am paying on time and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I like many American borrowed and took out student loans to be able to attend college and better my life for my self and my family. Upon completion of school at the 6 month mark for repayment to begin I contacted Navient/XXXX XXXX to apply for their " income based '' repayment plan. It was much to my surprise that when the statement started coming in their " income based " plan was anything but that. Between the loans that I had they were seeking over {$2000.00} per month, this while barely making {$32000.00} before taxes. They did let me apply for " debt consolidation '' which did lower my monthly payment, but in return added nearly {$20000.00} extra in interest to my loan amount. You can only imagine my shock when I got this new total. I like many Americans have no choice but to " pay the man '' what they want or risk losing everything by wage and tax garnishment. If I had known how these companies worked against people rather than to work with people I would have never taken out loans to help pay for school. I do not deny that I owe the money that I borrowed, but the additional interest charges and the amount they are charging to have one payment per month rather than 2 or 3 should be illegal. I will be paying at full payment until I retire from work. Something needs to be done about companies that prey on the needy or the economically struggling people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Navient Solutions, LLC.
State: VA
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 requested a payoff for my XXXX federal student loans that had a balance, totaling approximately {$9700.00}, I paid that amount in full through Navients website the same day that I requested the payoff ( XXXX/XXXX/17 ). My auto deduction payment of approximately {$480.00} for Navient then was taken out on XXXX/XXXX/2017. I was told by various Navient customer service reps ( XXXX at the main line, and XXXX at the escalated number ) that it would take anywhere beteeen 4-8 weeks for me to receive a refund for my {$480.00}, I would also not receive any interest on the amount for the duration that it would take for my refund to be applied. None of the 3 customer service representatives at Navient could offer me a refund in any time that I felt was suitable for the auto deduct that should n't have occurred. 
I disagree with Navient pulling the auto deduction because they should have been able to calculate that my all of my loans were already paid in full, however, even if it was " in process '' ( or if Navients systems are n't smart enough to realize that the loans had no balance ), it should n't take close to 2 months for a refund to be given. 
I understand that I am likely in a smaller pool of borrowers who are actually able to repay their student loans, but I feel that it is completely unethical and unfair that my money will be held for a period of up to 2 months when I do n't even owe a penny on any of my student loans, and that I wo n't be given any sort of interest compensation for my money being held for this long. 
Furthermore, Navient customer service representatives suggested that I contact my bank and request for them to stop the payment of {$480.00} due to a unauthorized transaction. While I assume that going through my bank could be faster ( bc 2 months for a refund is absolutely absurd ), my bank should not need to be involved in this refund, it should be handled in a timely fashion ( which is much less than 2 months ) by the loan service provider, Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have tried to work with Navient on several occasions to try to work out a payment that I can afford, each time I try to set up a payment schedule that I can afford, I get steered into the Income Driven Repayment Program. I was recently sent a notice that it is time for me to re-apply for my income driven repayment, I called Navient to speak with a representative and was told that I can not re-apply over the phone with a rep, that I could only apply online or by mail. I have tried several times to go online and re-apply for the program without success. To start with, the website had to approve my login information, which caused a delay, I have tried again to log in with no success due to the site being shut down for maintenance. I have also been harassed by phone by both the Federal and Private sides of Navient after telling them not to call me on my phone. I have told these people several times that I want to make payments on my loans if I can make a payment that I can afford, I have been told that I had to pay the unreal amount each month that they want me to pay or directed into a program with forbearance or income driven payments with a XXXX payment but the interest continues to accrue. I also attended a school that was recently closed due to over charging and scandals associated with it for predatory lending against it. I am also an XXXX Veteran. I have suffered major hits to my credit score from these loans and have accrued so much interest on them, that I may never be able to get straightened out so that I may be able to own a home or any other credit driven advances in my life. These people are crooks and should be dealt with accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: BB&T CORPORATION
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
WE HAVE A COMPLAINT AGAINST BB & T BANK FOR WITHHOLDING INFORMATION, NON-COOPERATION AND FAILUE TO PROVIDE ACCURATE INTEREST INFORMATION AS REPORTED ON XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX checked my credit report and I noticed some fraudulent and inaccurate accounts on my credit report I then proceeded to reach out to the credit reporting agencies to remedy the situation but they would not help me correct these fraudulent and inaccurate accounts

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 2021-12-27
Company: U.S. BANCORP
State: OR
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:
It says on my credit report that on XX/XX/2021 that I applied for a USBank Credit card but I never even applied for it. I wasn't looking for a credit card company.

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 2017-02-13
Company: Navient Solutions, LLC.
State: LA
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 need Navient Corporation to tell me how/why I have paid them over {$18000.00} in interest on a {$31000.00} loan and my balance has still not gone down. I was set up for automatic payments and was NEVER late for a payment ... I paid on time for years! I submitted a complaint a few weeks ago and Navient 's response was that they were " unable to speak about servicing that occurred on the loan after XXXX XXXX, 2015. '' I need to then to speak on what happened with ALL of my loan payments that happened PRIOR to XXXX XXXX, 2015. 
I am now in forbearance because I can not afford to keep shelling out money and my balance not go down. This is ridiculous and has to be illegal!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. I am filing this complaint about misleading false reporting information.

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