BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-26
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am XXXX ill and sick with XXXX and XXXX. I have had fraud, ID theft, and forged documents in my name appearing before. I was able to handle it. However, currently a company called NAVIENT is claiming I took out a loan with them, consolidated it, and even made cash payments. This entire thing is a fraud and they have a forged signature. I need help resolving the issue. I will attach a statement I typed up so that you can clearly understand my circumstances and what has happened regarding NAVIENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am enrolled in a " Bi-w eekly Advantage Plan '' mor tgage payment program with  XXXX   XXXX . It is administered with  XXXX   XXXX  agency a member of  XXXX   XXXX . I had trouble with them last year because they were using the wrong account number. I managed to get that resolved after repeated phone calls and hours on the phone. They would tell me they would be contacting me but never did. I had to call repeatedly to get results.     I am having issues with them now because my mortgage company,  DItech, has not  received the  XXXX  payment in the amount of {$1300.00}. Ditech said they are going to report it to the credit bureau.  XXXX  let me know my payment was late around the middle of  XXXX . I called  XXXX  on  XXXX   XXXX  and they (  XXXX   ) to ld me they were aware that a check they sent to Ditech had not been cashed.  XXXX  gave me a  XXXX  tracking number for the check they said was delivered on  XXXX   XXXX . I called  XXXX  and they looked up the tracking number. There was no such number with  XXXX  or the US postal service.     I called  XXXX  on  XXXX   XXXX  and talked to  XXXX . He said he would escalate the problem and I would hear back in  24-48 ho urs from  XXXX  the supervisor. I never heard from  XXXX . I called  XXXX  again on  XXXX   XXXX  and talked to  XXXX . She said there is no supervisor or manager for me to talk to and that she would have someone call me back. She also said a new check would be mailed today,  XXXX   XXXX . I called Ditech to let them know. They said that they will be reporting late payment to the credit bureau. Considering  XXXX  's track record I do not expect them to get the check out as promised. I am very concerned about my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company PSG has reported multiple accounts and multiple duplicate accounts on my report. I have disputed these accounts three times. I have included two of my previous challenges all sent certified mail. With NO RESPONDES from the creditor. There are six collections on this account. Three ar4e duplicates that does not belong. I have disputed the info on XX/XX/XXXX and XX/XX/XXXX asking them to verify the date. They had 30 from the date of both letters to verify the date and I have received NO RESPONSE.

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 2016-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Got a letter from Bank of America saying they will no longer accept personal checks when paying my mortgage. They claim that they have " received multiple checks over the past months that have been returned by my financial institution due to insufficient funds. '' I never had my check bounced. I feel that they are just harrassing me. I am not late in my mortgage payments. But they do call frequently to ask me when I will mail the payment. Now I get a letter that I have to pay by money order or cashier 's check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
The vendor, American Express, assessed a {$250.00} membership renewal fee on XXXX XXXX, XXXX. Because I pay my card balance through automatic debit, the vendor received automatic payment for the charge on XX/XX/XXXX. I contacted customer service on XX/XX/XXXX to seek a refund of the membership fee and to cancel my card, as I no longer used it. ( I had been a member since XXXX. ) I used the " chat '' function on the vendor 's site and spoke with " XXXX. '' " XXXX '' informed me that he could not refund the membership fee because I requested it outside of the XXXX window for such requests. I informed him that my immediate family had suffered a XXXX XXXX XXXX XXXX XXXX  after the holiday, and that I was unable to seek the refund during that time. I also told him that it seemed inequitable to refuse my request given that I requested the reversal 34 days after the assessment, and less than 21 days after paying it. XXXX informed me that if I terminated my card immediately, I would lose earned points that I had amassed. I therefore pended the termination so that I could use the points first. I did so, and promptly terminated the card on XX/XX/XXXX. 

I submitted the complaint through XXXX  XXXX XXXX XXXX and directly to American Express. On XX/XX/XXXX, an American Express representative called me to inform me that the bank would not reverse the fee. I clarified with her that the membership agreement does not specify whether the XXXX requirement is based upon calendar or business days. She did not disagree with the ambiguity, but nevertheless persisted that Amex would not refund the fee. 

I would like the fee to be refunded. If Amex wishes to apply the XXXX requirement for a refund to reflect calendar days, it should clearly state that requirement in its cardholder agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Mercedes Benz Financial Services
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have the following fraudulent inquiries in my credit report. Mercedes Benz Financial is not cooperating with the investigation or willing to remove fraudulent inquiries. 

Fraudulent Inquiries : XXXX XXXX XXXX XX/XX/2021 MB FIN SVCS- XX/XX/2021 XXXX XXXX XXXX ( Auto ) - XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Bank of America has been my personal Bank or many years. This is the first time I have experienced Bank of America sending me a new debit card to replace my old one. Due to what ever reason they had. I did not get warned of what may happen to my payments that are automatically deducted from the old debit card number. When they did this I noticed late notices coming in the mail and I had to take the time to go to the bank call all my utility companies and others that are on automatic pay which caused me a lot of a mess & time off work. I am still trying to call some of the companies that this happened to so now I have to pay double payments for there mistake due to the change of my debit card number without my consent. I hope in the future we can have a personal phone call of what there doing. Thank you XXXX XXXX XXXXXXXXXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Credit determination

Complaint:
My business went bankrupt after the crash of our local economy around 2009. Now that I have a job again, I have been trying to settle my credit card debt with Bank of America but I have found that the banks have written off the debt and will not allow me to settle with them but they also refuse to remove the judgement from my credit report which is giving me a low credit score and keeps me from being able to refinance my home. I am trying to recover financially from this failed economy but the banks that were bailed out are preventing me the consumer from any recovery financially. 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 2017-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Dear Officer, I am writing to report that Bank of America cheated me over the phone. Please ask Bank of America to face the fact and explain why they should cheat its customers. Bank of America has never answered this question. Bank of America is still lying. That is not decent business behavior. Something is wrong within Bank of America because its phone representatives misled or cheated me. 
Thank you! 
XXXX XXXX PS : The following is the detail : On XXXX XXXX, 2016, I and XXXX XXXX XXXX in her XXXX office made a phone call to Bank of America ( XXXX ), regarding my home-line-equity account with Bank of America. Bank of America told me that my Home Equity Line account would be kept open and Bank of America would refund me the payoff fee if they receive any. 
XXXX XXXX ( Tel : XXXX ) would like to serve as the witness of this issue. 
Thank you! 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX were solicited by BofA Representative to refinance our home. Loan closed XXXX. 
1. XXXX or XXXX BA sold my loan to XXXX XXXX XXXX. Applied for modification XXXX Received approval XXXX was instructed to wait for papers. 
3. XXXX XXXX BofA filed Lis Pendens/Forclosure 4. XXXX We offered BofA to bring loan up to date with a large lump sum payment. BA refused to accept OR reject offer. Refused to make a decision at the Corporate President office level. BA did not want a resolution, BA wanted our house. 
5. Spouse did not sign loan docs as required by FL homestead law. Entered motion to dismiss mortgage and foreclosure based upon FL law, still pending. 
6. XXXX BA sold their interest to XXXX XXXX XXXX that removed BA from pending lawsuit/forclosure proceedings and our motions against BA. 
7. XXXX to XXXX At not time has BA acted in good faith toward any form of equitable resolution. By way of example, see # XXXX and # XXXX above. 
8. XXXX BA sold their position to XXXX XXXX XXXX in XXXX. XXXX started by grossly overstating our loan balance that is not yet resolved. 
9. XXXX In BA 's place ( but not entirely we hope ) comes the new and continuing battle with XXXX ... ... ... ... to be aggressively investigated by CFPB With your help WE WILL NOT GIVE UP. 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I have placed a formal complaint with the CFPB in regards to XXXXXXXX XXXX. The complaint was made on or about XX/XX/2021. My request was to have my mortgage properly reported to the credit bureaus. XXXX contacted me the next day stating that they complaint would be reviewed. I provided XXXX with the documentation requested to get the credit report corrected. Then sent the information on the payments to the credit bureaus based on the recommendation of XXXX XXXX. A letter was mailed with the document requested to reaffirm the loan and the bank claimed that they did not obtain the document by mail. The steps after that I contacted XXXX and submitted the reaffirmation via electronic upload. This was done three times and was advised that the documents were received but every time the bank was contacted a representative gave information that conflicted and has not been resolved. I have contacted the Bank over 7 times by phone and submitted 2 uploads to the secure message and sent four messages back. The bank is aware that I want to get my credit properly reported on the credit reports. The request has been delayed either on purpose or to unlawfully harm me as the actions have hurt my credit report. I am seeking that my credit report be corrected immediately. XXXX does not want to update my loan as they are keeping me hostage with a lower credit score. I was advised that the reporting of the loan with a reaffirmation would resolve the matter and raise my score and allow me to qualify for lower rates. In the last month the interest rates have increased and the bank continues to not correct the issue. The bank is using their power to abuse the system and fraudulently not report my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am a co-signer on a private loan ( with XXXX XXXX, who knows I am filing this complaint ) now held by American Educational Service - AES. They doubled the payment, without notice, several months ago, even though my daughter was unemployed until XX/XX/XXXX. I wrote to them recently asking for a forbearance due to a death in the family, and they did not appear to grant it as they said they sent me a message, nearly a week later, but I could not access it. I told them not to call me at work, as it is a public government institution, and I also told them not to have their collection agency, XXXX XXXX to call me, but they did. I have scheduled a payment for later in the week, which is over XXXX % of my daughter 's total salary per month, but I will still owe another payment. 

This company is awful. They need to be shut down. They increased the interest on the loan early on and it is nearly XXXX what we borrowed. 

Tell families never to take a private loan ; public ones are bad, too, but private ones are nothing more than goudging.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX and XXXX XXXX XXXX  continue to affect my credit with these collection claims. I was a victim of fraud and ID theft!!! This should t be on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Beginning in XX/XX/2021 through and including XX/XX/2021, unauthorized transfers of funds were made from my checking account. I brought this to the attention of the Citibank , N.A . fraud department five times and requested new ATM cards each time. I was not advised to close the account and move my funds to a new account linked to the new ATM card, which I believe might have thwarted the efforts of those defrauding me. I assumed that those committing fraud against me had somehow obtained access to my online account so I did not go online to check the account 's status and instead requested and received paper copies of my monthly statements from Citibank, N.A., which I have in my possession. Over the time period mentioned above, I watched my account dwindle almost daily. When I reviewed the statements mailed to me by the Citibank, N.A., I saw beginning on XX/XX/2021 thousands of dollars wired to XXXX accounts in California and hundreds of gift cards purchased by the co-conspirators from Best Buy, XXXX, XXXX, XXXX, and XXXX 's XXXX. I have these cards in my possession. There were also wire transfers to various cryptocurrency accounts at XXXX, XXXX, and XXXX XXXXTo reiterate, these unauthorized wire transfers continued through XX/XX/2021 depleting my account of more than {$250000.00}. I have used this checking account for more than 35 years for every imaginable payment, including taxes, rent, children 's education, food, and clothing. Now, I am retired for health reasons, but receive no disability payments so these funds are vital to 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 2017-04-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had previously paid off my  XXXX   XXXX  credit card in   XXXX   and requested that the card be closed. In  XXXX    XXXX  , I received a statement showing a balance due. I contacted  XXXX   XXXX  and asked again for the card to be closed and the charges to be waived. Although the charges were waived, the card was not closed. The supervisor stated that he would have a new card sent to me so that I could use my credit and maintain a good credit score. I agreed. However, I never received a credit card. I have a statement showing the credit of {$9.00}. Now I have a 60 day credit hit and just received a statement showing a balance of {$220.00}. The rep stated that there are notes not to call me. I never provided a cease and desist. I spoke to  XXXX  today who transferred my call to a supervisor named  XXXX .  XXXX  stated that it would tak e 2-3 wee ks to investigate and I would be sent an affidavit to sign and return to them. The call was then transferred to a senior named  XXXX  who stated that it would ta ke 2-3 MON THS to resolve and update my credit bureau report.  XXXX  said that  XXXX  gave bad info. If  XXXX   XXXX  had closed my card the first or even second time I asked, none of this would be at issue and my credit score would not be impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: CITIBANK, N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Following up on case # XXXX. Citi told me in its response to my CFPB complaint that it would credit me XXXX miles within 60 days. That was on XXXX XXXX, well over 60 days ago. I called Citigold today to ask why the miles were n't posted yet and they told me it was XXXX XXXX ' fault. But then the rep admitted she could not see any record of the CFPB complaint ( which the executive response unit handles ) or of the letter they sent me ( and to you ) promising the miles. 
I just want these miles. It has been over 5 months since I earned them, and Citi has failed to fulfill the promise it made in response to my initial CFPB complaint.

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 2017-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had previously paid off my  XXXX   XXXX  credit card in   XXXX   and requested that the card be closed. In  XXXX    XXXX  , I received a statement showing a balance due. I contacted  XXXX   XXXX  and asked again for the card to be closed and the charges to be waived. Although the charges were waived, the card was not closed. The supervisor stated that he would have a new card sent to me so that I could use my credit and maintain a go od credit score. I agre ed. However, I never received a credit card. I have a statement showing the credit of {$9.00}. Now I have a 60 day credit hit and just received a statement showing a balance of {$220.00}. The rep stated that there are notes not to call me. I never provided a cease and desist. I spoke to  XXXX  today who transferred my call to a supervisor named  XXXX .  XXXX  stated that it would take  2-3  weeks to investigate and I would be sent an affidavit to sign and return to them. The call was then transferred to a senior named  XXXX  who stated that it would take  XXXX  MONTHS to resolve and update my credit bureau report.  XXXX  said that  XXXX  gave bad info. If  XXXX   XXXX  had closed my card the first or even second time I asked, none of this would be at issue an d my credit score wo uld not be impacted.

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 2017-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 am a victim of identity theft. I have fraudulent and unauthorized hard inquiries listed on my Trans Union,  XXXX and XXXX credit report that do n't belong to me. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX, XX/XX/2017, XXXX XXXX, XXXX, XXXX, XX/XX/2017, XXXX XXXX, XX/XX/2017, XXXX XXXX, XX/XX/2017

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