BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-04
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: Problem with fees

Complaint:
I currently have a consumer credit card issued by Bank of America. At the beginning of the current Pandemic in XXXX, I apparently overlooked a payment due date and submitted my payment a few days late. I paid the balance minus the {$28.00} fee and submitted a letter to the address provided by the card issuer. I specifically asked that this fee be waived due to the extraordinary circumstances of the global Pandemic. In addition, I asked to have my payment date changed to better align with my monthly payday. I received a letter back weeks later form Bank of America that only addressed the change in due date. BofA suggested they couldn't change the date but provided no reason why. In addition, they made no mention of my other inquiry in removing the late charge. I have subsequently paid each month 's balance minus the late change and am still be charged {$25.00} late fees for the month of XXXX and XXXX. I have tried to call their toll free number ; however, the automated system they use will not forward you to a live person unless it fits their prescribed menu options. It also literally hangs up on you if you continue to ask for a person to talk. This Bank has apparently lost focus on what keeps loyal clients and has totally ignored the impacts of Covid-19 from my case.

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 2020-06-30
Company: EQUIFAX, INC.
State: CT
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:
Equifax, XXXX, and XXXX  has violated my HIPAA rights. I asked XXXX XXXX XXXX to send me evidence to validate my debts with the original Creditor and they sent me copies of personal medical info about my visit at the hospital. They never sent me proof of my signature from the original Creditor to release mine or my daughter 's medical information to a third party!!! 

I want Equifax, XXXX, and XXXX  to delete these erroneous accounts off of my credit reports immediately. I have already contacted XXXX XXXX XXXX and informed them they are in violation of my medical privacy under the HIPAA Act! I am filing a complaint with all three credit bureaus again!! My next step is litigation!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I've recently tried to dispute this information concerning late payments being reported to the credit reporting agencies in XXXX, XXXX. I've tried several times to get them to explain how my student loan went from Deferment to Forbearance less than 2 months. Deferment last one year until renewed. This concerns me because Navient Dept. of Education Loan servicing has a very bad issue with listening to complaints and communicating with customers. All they have done is justify how the issue occurred but do not explaining why it occurred.The reason I believe is that no one wants to be held accountable for why this mistake occurred and who is responsible. I was not aware of the mistake until I received the information from Navient which I have attached. Back in XXXX of XXXX is when I found out that my loan had been in forbearance. That is when I put it back in deferment which I qualify for.The next month I called Navient in concern of the late payments that was reported on my credit report and the representative tried to get me to put it back in to forbearance and I asked why when I'm already in deferment. I was very confused and it was very concerning to me, so I did some research and found that there is no interest charges when your loan is in Deferment but when it is in forbearance, there is in fact interest charges applied to your loan. So this leaves questions and it explained why they would try and do this and why the mistake was made in XX/XX/XXXX and question if it was a mistake or done purposely. I am a XXXX veteran and I have never established a payment plan do to my XXXX which I explained to them that I'm in the process of getting approved for unemployability and getting my loans forgiven because I have not worked or can not work. My question is why Navient would take advantage of me as a veteran and my condition buy trying to apply interest charges and taking my student loan from Deferment to forbearance less than 2 month with out any communication with me explaining why. I think the individuals responsible for this issue should be held accountable because I'm concerned that I'm not the only one this has happened to. This has ruined my credit and I have suffered from by there mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: FC HoldCo LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased a XXXX XXXX XXXX on XX/XX/XXXX from XXXXXXXX XXXX XXXXXXXX, XXXX Va. I financed this vehicle through XXXX XXXX XXXX. XXXX repossessed my vehicle and sold it XX/XX/XXXX. In XX/XX/XXXX, I received communication that the final balance due on the note was {$9500.00}. In that " Explanation of Calculation of Surplus or Deficiency '', the original Aggregate unpaid balance as of XX/XX/XXXX was {$32000.00}. With this agreement, the company wanted me to continue paying the $ XXXX/month to settle the account. After paying one payment, this arrangement did not work as I did not have the extra income to cover the {$730.00} and pay new transportation expenses. In XX/XX/XXXX, I contacted the company again in an effort to resolve the balance. The new Deficiency went to {$16000.00}, and somehow my original aggregate unpaid balance increased to {$38000.00} ; additionally all the amounts due changed. As the balance increased, I disputed the balance and XXXX fixed the amount due. I made one payment and the company would not provide a receipt. After this the reported amount due on my credit report increased to {$20000.00}. My last attempt to resolve this was XX/XX/XXXX ; my letter states a settlement amount due of {$6900.00}. After again making one payment, XXXX increased the balance due reflected on my credit report to {$20000.00}. I would like to resolve this account but am unable to as 1 ) the balance continues to change regardless of my written agreements with the company and 2 ) XXXX  is unable to provide a written receipt or any documentation for payments received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX client XXXX XXXX is a victim of identity theft. His information was used without his consent. An extended 7 year alert was placed with each of the credit bureaus with XXXX, Experian and XXXX. A request for Experian to remove the 7 year alert was submitted certified mail XX/XX/2018. While the return receipt was received that Experian received the request my client advised his Experian credit report still has the 7 year alert listed. An Experian credit report was obtain and while no alert appeared to be listed an attempt to secure a loan was made and then stopped due to the lender confirming Experian had the 7 year alert listed. A second request was mailed again and my client has attempted to use the online services with no success. He has also attempted to make contact with Experian via the live operator number XXXX however there was no help provided to assist in resolving this issue.

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 2018-11-22
Company: Navient Solutions, LLC.
State: PR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I recieved a call from Navient this past XXXX regarding my past due payment from my private loans of Salllie Mae ( Navient ). They have been recieving all my payments both send the payments to the federal loans that Navient recently adquired. I have been sending my payments to the same place since XXXX without any problem. I have been sendind double payments bacause I was trying to paid them before the time according to my already schedule payment. I never got a phone call or a notification of any changed in my account. Due to the problems with hurricane Maria XXXX and the lost of many of the comunication here I didnt noticed that the payments wasnt going to the right place. I talked to different numbers of Navient looking for an explanation and to try to understand what they can do to fixed all these situation. I call them every week to see if they can help me always got this answer your credit is going to be affected if you dont pay again but I see all the payments youre telling me here ( Navient system ) ; but we need the payments to dont charge you late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed a lease for a student apartment in XXXX XXXX called XXXX XXXX XXXX in XX/XX/XXXX. I am a dependent of an XXXX XXXX military service member we got notice that we had to move to Washington State in XX/XX/XXXX, I then informed the property manager, XXXX, ( who doesnt work there anymore ), and he assured me hed take care of the situation. In XX/XX/XXXX I received a derogatory mark of collection from Pro Collect in the amount of {$8400.00}. I was also notified that a guy moved into the exact unit that I was supposed to move into in XX/XX/XXXX and he moved out XX/XX/XXXX. I quickly called the apartment complex and tried to resolve the situation the new property manager told me she couldnt do anything about it because she didnt have his emails or paperwork. I asked to get her boss information. I called the regional office XXXX XXXX XXXX and he told me he apologized for the inconvenience and to forward him the orders. I sent XXXX XXXX the orders and he suddenly stopped emailing me. I emailed him four times all of which I didnt receive any response. Then I left a few voicemail and even texted his cell number. Still no response, finally I decide to let him know I was going to take legal action and soon after I got a call from another women from the same regional office telling me XXXX XXXX forwarded her the information however she needed me to send he orders again, which I did - again. Then she told me that the military orders I sent were not the military orders we are used to seeing, which confused me because those are the orders everyone in the XXXX receive when they XXXX. So she informed me I needed to fill out a form, and has since not responded to any emails. I am growing frustrated because This has been a constant issue since XXXX of this year and no one is trying to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I took a loan out with Synchrony Bank for a air conditioner back in XXXX of 2019. My first payment was due on XX/XX/2019. I paid that payment on time. Come XXXX and I paid on the XXXX of XXXX. I did not know this company has no grace period. It is due on the XXXX of every month. I did not find this out until XXXX when I called the company to find out why I was getting late fee charges. Then I find out yesterday that not only am I getting charged {$38.00} late fee past the XXXX of every month but I am getting charged a extra {$2.00} for interest on the late fee which means every time I am late I have a {$40.00} late fee past the XXXX of every month. I have tried to speak with the bank but their English is very hard to understand. I do not think these late fees are very fair nor did I know I would get hit with them and a " interest '' late fee as well. And no grace period. This was not explained when the loan was taken out. They did waive 2 late fees for me within this time period but these will be the last fees waived due to bank having a limit on waiving them.

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 2021-06-08
Company: ROBINHOOD MARKETS INC.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have investment with XXXX. I have been scammed by someone within XXXX, all my investment stocks sold out last Friday, XX/XX/2021 by the scammer. On the same day Friday the criminal scammer used part of my investment money to purchase at an XXXX store in XXXX New Hampshire in the amount of {$1700.00} at exactly XXXX. I have been calling XXXX and sent multiple emails to them but all no answer and no solution. To make matters worse, the scammer again requested a XXXX payment of {$3200.00} from my XXXX XXXX bank account on XXXX XXXX. I called XXXX over XXXX times, sent multiple emails but still no answer and no solution. My hard earned investment account is being controlled by the XXXX and XXXX currently. I had many stocks including XXXX XXXX in which I wanted to sell at {$72.00} per share when that stock went high. My account is currently hacked and all my investment in the amount of {$6900.00} has been stolen or being manipulated by XXXX and its scammers. 
I need urgent help from you guys since I'm a student right and put in the little I have in via XXXX XXXX account to help me with my education. 
Thanks XXXX XXXX Hacked Robinhood email XXXX Current alternative emails at XXXX or XXXX XXXX XXXX Address is XXXX XXXX XXXX XXXX Connecticut XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Resurgent Capital Services L.P.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a victim of identity thief when my car was broken into in XXXX XXXX la. I have tried to submit the police report to XXXX and disputed through credit agency. When I call numbers for XXXX, companies have different names never the same. They are trying to sue me I have yet to receive any information from them other than courts. If they would talk with my and answer my disputes with request for information so that I can forward the police report this would be easier to handle. I dont know if this is a really company or scam. I need a correct number and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2018 Bank of America declined a transaction, sending a text for fraud verification claiming that it was because I hadnt made a purchase from XXXX in a previous month, and that {$180.00} was a suspicious amount to spend. This policy was never announced or explained in writing. The transaction could not take place after the text verification ( time sensitive on product demand through online raffle ) and I lost the opportunity to purchase a product that now immediately resells for {$450.00}. I lost {$250.00} profit because BoA wouldnt even temporarily authorize a purchase I could pay twice over when I had not asked for a fraud alert or been involved in any fraud or lost card. They are protecting my account from only me allowing other BoA customers to make the same purchase claiming that its because XXXX ( ironically ) and other fraudulent activity at 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 2021-06-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have this negative Item reported on my credit report and I have been disputing but somehow it says that it was mine. IT IS NOT! I WAS A VICTIM OF IDENTITY THEFT FOR SINCE XXXX. Im in the process if purchasing my home and because of this reason its causing my a lot of problem which I shouldnt have to begin with. 

The Account is with USAA, I dont have any information regarding this account as I said its not mine. Account was opened XX/XX/XXXX. Its reported as CHARGE OFF in the amount of {$2500.00} Please help me have this account removed as I do not have this account or ever opened one. 

Thank you in advance with all your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please remove the hard inquiries from my record on XXXX   XXXX  and XXXX from My credit report This was made XX/XX/2018 from TD Bank. I have never made such a request, so I am asking you to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I am filing this complaint to remove negative items. I have hired XXXX XXXX on XX/XX/2020 to do credit repair on my behalf. While XXXX XXXX is challenging my negative items with the 3 major credit bureaus ( Equifax, XXXX, and XXXX ) the following items have passed the statute of limitation : DPT ED/XXXX, DEPT of ED/XXXX, XXXX, XXXX, AND XXXX XXXX XXXX XXXX XXXX. The 3 major credit bureaus ( Equifax, XXXX, and XXXX ) are refusing to remove these items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is now the THIRD TIME this supposed debt has yet to reappeared on my credit report. This supposed debt was discharged not of my responsibility due to the un ability to prove financial responsibility. On XX/XX/2017 I received a document by mail from XXXX XXXX XXXX XXXX stating that after due diligence and international investigation of all information shared by all partys this supposed debt was false non existent and was ordered to be removed immediately never to be used again against me because there were no findings of financial responsibility. Yet despite a certified legal document in response to this supposed debt being false by XXXX XXXX, the companys COMMONWEALTH FINANCIAL SYSTEMS and the original creditor XXXX XXXX XXXX XXXX disregarded this filing and finding. COMMONWEALTH FINANCIAL SERVICES LLC then proceeded to contact me yet again against these findings and claimed that XXXX XXXX XXXX XXXX withdrew this matter from XXXX XXXX XXXX XXXX despite their findings well after the date of these findings. In this legal document presented to me by XXXX XXXX XXXX XXXX that stated this supposed debt be removed immediately from all credit reports indefinitely. COMMONWEALTH FINANCIAL SERVICES LLC claim they sent a document proving these liabilitys, but the documents I requested as well as XXXX XXXX XXXX XXXX were not certified legal documents or copys of certified legal documents and or a certified legal contract or certified copy there of. Also XXXX  neglected this discharge of debt order due to un ability to prove financial responsibility and allowed this supposed debt once again be put on my report. My previous CFPB Complaints in this matter are # XXXX and # XXXX / ID XXXX there is sufficient documentation on this matter in the CFPB archives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
They told and sent us a statement saying we didn't have mortgage payments for 2 months then they were trying to Default on our home. I am now current on my loan and still being harassed. They are angry that through my chapter XXXX filling we were able to get rid of our second mortgage and ha tried all kinds of tricks to take our home even sending a statement say we had no mortgage payments for 2 months. And even telling me the same thing on the phone. All there phone calls are recorded so it would be very easy to provide. I also have the statement. Since we finished our bankruptcy 42 months payments successfully and have been discharged they have been trying to trick us and harassing us to no end my wife has XXXX and this is to much I am current on my loan can you help me please

Company response to consumer: Closed with explanation