BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have uncovered deceitful and unfair practice of how bank of america is assessing overdraft fees. As of XX/XX/2018 my actual bank balance ( posted transactions ) was + {$89.00} ( in the black ). However, there were 4 pending transactions totaling {$120.00}. After accounting for the pending transactions, my " available balance '' was negative {$31.00} As a result, and based on my " available balance '', which factored in the 4 pending transactions, I was hit with two {$35.00} overdraft fees on XX/XX/2018. 

On XX/XX/XXXX, I could finally see all of the activity from XX/XX/XXXX ( this is not visible through online banking features until the next business day ). So I called to ask Bank of America how much money I needed to put into my account in order to ensure I did not incur any additional fees since the same 4 transactions that were pending on XX/XX/XXXX were still pending on XX/XX/XXXX and no new transactions had taken place. I was advised that one of the 4 transactions ( a {$29.00} annual auto renew subscription from XXXX ) would result in a {$35.00} overdraft fee. 

It is unfair, deceitful, and possibly illegal for Bank of America to factor in all pending transactions when determining the " available balance '' that is used as the basis for determining which posted transactions trigger an overdraft fee. It is fraudulent to then charge a customer an overdraft fee on the pending transactions when they finally do post since they were already factored into the historical balance used to determine overdraft fees. If pending transactions were excluded from the overdraft assessment, then I would not have incurred any overdraft fees on XX/XX/XXXX, but they were. Bank of America can then not treat them as newly incurred overdraft incurring transactions when they do post. 

I remember the days when banks would manipulate the order in which same day transactions posted to an account in order to maximize the overdraft fees they could charge ( regardless of the timing of when those transactions actually occurred during that day at the retail terminals ). This practice is now illegal. 

I have uncovered a new way in which Bank of America is manipulating the way in which they double count pending transactions against a customer to incur overdraft fees. They are manipulating pending transactions ( both while pending and again on the very same transactions when they post ) in calculating the balance used to assess overdraft fees. 

This is fraud, deceit, unfair and possibly illegal.

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 2018-02-22
Company: Nelnet, Inc.
State: NJ
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 am a XXXX-year old auto accident victim, residing in an olds folks home in New Jersey. On XX/XX/XXXX, Nelnet granted me TPD for my loan and since then I have been unemployed. I am living on Social Security Retirement pay  of $ XXXX monthly which pays my rent and bills. Neltnet reinstated my Loan and wants me to pay the discharged Loan with my retirement income. On XX/XX/XXXX I faxed the complaint along with the necessary evidence required to support my grievances.. If the fax is not received, please contact me to resend it immediately. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The credit bureaus/collectoion agencies have yet provided me with the validation/proof of debt that ive been requesting since XXXX/2020. Numerous of accounts with inaccurate/invalid reportings per the metro compliance requirements. not to mention allowing companies to report such debt when thyre not licensed in the state of Texas

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 2020-06-30
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Despite a ten year history with both PayPal and XXXX  ( formerly the same company ). PayPal has arbitrarily decided to hold funds in my account that were sent to me by a repeat buyer for a repeat product with a continued 100 % seller feedback rating. PayPal is extremely discriminatory regarding their practices, and lacks transparency on why they are holding my funds hostage. Please investigate PayPal for this deceitful and damaging practice without merit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I contacted the servicer of my loan requesting to speak to a supervisor. I was promised a return call and I never got a call back. This is not the first time this has happened. Whenever I ask to speak to a supervisor regarding any type of inquiry I'm told they are in a meeting and I will get a call back but this never happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a correspondence from Dynamic Recovery Solutions dated XX/XX/XXXX, attempting to collect an alleged debt on behalf of XXXX XXXX XXXX. I responded promptly once receiving this correspondence completely rejecting, rebutting and rebuking such a false claim and advised that I owe no such debt and have no contract or obligation whatsoever with XXXX XXXX XXXX. I advised them to correct their records and respond in writing that their records are corrected and reflect that no debt is in fact owed and all collection attempts and activities will cease, as of XX/XX/XXXX, I have received no such correspondence. I advised that I would file this complaint with the CFPB and afterwards move forward with litigation if this unsolicited activity and harassment continues. I have attached my correspondence below.

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 2021-02-23
Company: Debt Recovery Solutions, LLC
State: AL
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have defaulted on my XXXX XXXX ( XXXX XXXX ) credit card. These folks call incessantly everyday. They have called several family members numerous times, even after I asked them to stop. The most recent incident was today. My sister called me and she was frantic. She stated that XXXX had called her and left a voicemail stating that they had an urgent financial issue to discuss with me and that they better hear back from me by XXXX today or they would be forced to escalate my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased eyeglasses from XXXX and returned them within the full refund date and received a receipt showing credit refunded back to my AARP Chase credit card for {$530.00} on XX/XX/XXXX. I gave 30 days for the refund to go back to my account. When it did not, I called the credit card company and opened a dispute. They said that they did not receive the refund. This situation has been going on since last year and has not been resolved. I received a letter stating that the account will be turned over to a collection agency on XX/XX/XXXX. I reaching out for assistance to close this situation. 

AARP Chase Credit provided a fax number, XXXX to send in the refund transaction forms. I have emailed and faxed the forms repeatedly. I continuously talk to the credit card company. I was informed that they did not receive the documents. I emailed them and faxed the receipt of return transactions on XX/XX/XXXX and XX/XX/XXXX, and spoke with Chase credit card company monthly. 

The manager of XXXX spoke with AARP Chase Card on XX/XX/XXXX and the situation was not resolved. The refund transaction clearly showed the return of receipt at store # XXXX on XX/XX/XXXX, for {$580.00}. They swiped it back to my card and AARP Chase Card said they did not receive it. 

I have been trying to resolve this issue since XX/XX/XXXX and now the credit card company tells me on XX/XX/XXXX, that I can not open another dispute and I need to call XXXX to reissue the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CL Holdings LLC
State: AL
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Winklevoss Exchange LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened an account with Gemini on XX/XX/2021 and Ive been waiting to get verified ever since. Ive been able to purchase crypto currency on their app, but I havent been able to withdraw it because my account isnt verified. I have sent an email to support back in XX/XX/2021 because they said it would take at most 2 weeks to get verified. So I didnt receive a respond to my XXXX XXXX email until XX/XX/2021. Im hoping to get verified on there because I find it unfair that I can buy assets but not withdraw or sell them, it has been almost 2 months and its starting to get worrisome. It feels like they are stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions Inc.
State: IL
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 SENT DISPUTING LETTER TO EXPERIAN AND NOTHING HAS BEEN CHANGED ON MY REPORT. 
AND ONLY EXPERIAN HAS REPORTED I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : 1. Mistaken Identity XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Mistaken Identity XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.

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 2021-07-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Good day. 

First, I will be expressing the total dismay and stress these accounts have been causing me. So, on XXXX, I had a letter sent out regarding inaccurate accounts on my credit report. To my knowledge, I should receive a response in any form about my request. It has been over 45 days, and to this day I have not received ANY messages or responses. This is very stressful and I feel upset for their lack of responsibility. According to Section 611 ( a ), failure to investigate items within a 30 day time frame will result in the immediate deletion of items. I want to exercise my rights and have these accounts removed from my credit report. If I am still neglected and ignored, I will file for a litigation. 

I appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: The Outsource Group, Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company is using a robot to make repeated calls though out the day, company calls from multiple numbers. they have been told to stop and claimed to not know it was illegal to use a robo call system for debt collection per the fdcp laws.

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 2018-11-26
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/18 I have been receiving debt collection mail at my address for a person unknown to me. This has been a recurring event looking for XXXX XXXX or XXXX XXXX over the past two years. 
Until now I have not responded ; now I believe that the association of my address and my first name may have an adverse effect on my credit. 
The parties are : ERC, XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX collecting for XXXX XXXX, XXXX  XXXX, XXXX, IL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: Navient Solutions, LLC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
On XX/XX/XXXX Navient automatically put me in a forbearance which I did not request and did not have any knowledge l. On XX/XX/XXXX, my credit report went down 40 points due to interests capitalized to amount with the interest amount going up of {$300.00}. I requestsd to have my forbearance lifted off and add will pay my amount. Navient agent advised its too late since it's already been reported to credit companies and just pay the remainder balance and they will report PAID.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: Freedom Mortgage Company
State: AK
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
For the past 6 months I been calling the company with problem. Not one time have they told me I was underpaid in anything. Now they saying I owe them XXXX dollars more than my fixed interest rate contract without notify me until the very end of XX/XX/XXXX. I call them on XX/XX/XXXX with question and they did not say i was underpaid. I want a refund of XXXX back

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 2018-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have had difficulties with the Bank of America claims department regarding two charges to my account from XXXX as follows : XX/XX/XXXX - {$91.00} XX/XX/XXXX - {$91.00} After initially disputing these charges, these were credited to my account on XX/XX/XXXX and XX/XX/XXXX. However, one of the {$91.00} charges was reversed back to my account on XX/XX/XXXX. 

I believe there was confusion on their part and they thought the two credits on XX/XX/XXXX and XX/XX/XXXX were duplicates. They were not - they were both credits to the two disputed charges of the same amount. 

I have spent considerable time both on the B of A website and on the phone trying to explain to them why this should not be a valid charge. After several months and numerous attempts, I have given up and canceled the card.

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 2017-08-02
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Since the closure of XXXX due to being a for profit school, My question is why do I have to pay a loan for a education that is no longer valid?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I am in the process of buying a house and can not do that and provide for my family with these inaccurate accounts on my credit report. 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 non-monetary relief
Consumer complaint received 2018-11-26
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A few months ago I submitted a previous complaint ( Complaint Number XXXX ) since I was applying for a loan modification, but at the same time Ocwen mortgage loan servicing was dual tracking. I was approved for a trial loan modification and I made my first trial modification payment in XX/XX/2018. However, the attorney 's for XXXX XXXX   were continuing their motion to restore a foreclosure case against me ( XXXX Supreme Court Index XXXX ) in XX/XX/2018 in which was the same time I began my loan modification. Therefore, XXXX, XXXX and XXXX the attorney 's for the Plaintiff through E Filing finally requested that their motion be withdrawn. During the first loan modification payment Ocwen assured me that the XXXX payment would drop from approximately {$4300.00}. to approximately {$3300.00}. However, when I was going to make the second loan payment in XXXX Ocwen stated that my loan payment for XXXX would be approximately {$3700.00}. When I called to speak to my assigned relationship manager Ms. XXXX XXXX at Ocwen to complain about the higer loan amounts I was told she is no longer my relationship manager. However, as a result Ocwen gave me the next available relationship manager and I was told they would look into this situation. Ocwen never got back to me, therefore, I called repeatedly in XXXX and never got an answer. Since Ocwen was acting in bad faith I discontinued my trial loan modification. Initially, Ocwen reassured me that they would help me make my loan payments more affordable after the trial loan modification, but their inconsistencies made me weary and appalled. I now want Ocwen to either rescind or significantly reduce the principal loan amount, and at the least give me a reasonable loan modification since I am victim of Ocwen 's duplicity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I asked in writing from Portfolio Recovery to provide proof os Substation back in XX/XX/XXXX. I waited for a response, both accounts were deleted from my credit report. I received a letter from them asking for substation again and I refused to ask again. A few weeks later they re-inserted onto my credit report. I did not receive notice that they were going to re-insert the debt back onto my credit report.

Company response to consumer: Closed with explanation