BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-14
Company: Netspend Corporation
State: CA
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Managing, opening, or closing account

Complaint:
Netspend put my tax refund on a card. When I used it at XXXX store to buy a XXXX ticket, Netspend blocked the card from me using it claiming possible Fraud, What resulted was months and months and months and money spent at XXXX XXXX trying to jump through every hoop to prove I was owner of the card and that no fraud had occurred by emailing, calling, faxing THAT RESULTED IN THEM KEEPING ALL MY MONEY .... IN THE END, THEY SAID THEY RETURNED IT TO THE IRS ... but the IRS says they have no such return. The amount was approx. {$1800.00} ... but since we lost our apartment, my car, our marriage, our children 's respect, and my job due to the time, energy, effort, and resulting medical diagnosis of XXXX, I really can not put a dollar amount on the devastation this company has caused me. I want this company to be held responsible for knowingly practicing acts of dishonesty, setting up help call lines answered by individuals who lie saying they are located in Texas and are not, and do not ever intend on helping the customer. I have documentation of every call, up to XXXX minutes each time, and want to be reimbursed my tax refund and an additional amount to compensate me for the physical, psychological, and financial damage this company has caused me. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
On XX/XX/2016 I called to request my payment to be increased to pay all my loans off in XXXX mo 's. The representative stated it will be {$790.00} in total. On XX/XX/2016, they pulled {$850.00}, a {$64.00} difference. On XX/XX/2016 I called Navient to request the correct payment and a refund of the {$64.00}. I asked the representative to recalculate my payment so that it could be paid off in XXXX years, and she stated that they miscalculated my payment before and she needed to correct it. She stated my total payment is now going to be {$750.00} .After a XXXX minute call and escalating the issue twice to a supervisor I was approved the refund for {$64.00} and they stated that it would put my account in delinquent status but that status will fall off in a few days. As of XXXX today, my account is still in red despite the fact it was paid. I was told the {$64.00} would credit my account on XX/XX/2016, and no such credit is received. Furthermore, I know the payment of {$750.00} is incorrect because the statement I was issued from them shows a payment term of XXXX months, not XXXX as I requested twice before. I also see on my statement they changed my repayment terms, which might mean I am no longer able to just pay the minimum if I wish to no longer pay my loan aggressively. 
My goal is to have a XXXX month payment amount but not have that be what my minimum required payment amount is. I do n't want them to change the loan terms, but to keep the original agreement I signed in my promissory note to XXXX XXXX before Navient started servicing it. I am increasing my payments to them, so I do n't see why they have to mark me as delinquent and lie to me and say that my payment is XXXX months when looking at my statement it is XXXX months. 
I am employed at a financial institution where I process loans. I am appalled by their behavior and their refusal to correctly calculate payments. They threatened to put my loan as delinquent when I asked for the {$64.00} back even though it was a servicing error on their part. Furthermore, when I faxed a request for a {$10.00} credit for the overdraft fee to my account that ensued by this {$64.00} discrepancy, the request was never addressed and no action was taken on their part to rectify the situation. 
I do n't believe that Navient is acting in the best interest of their customers. My hope is that with this complaint you can look into the company and instigate new regulatory procedures they should follow in order to better their financial relationships.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Advanced Collection Bureau, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was checking my credit report as I always do when I noticed an alleged debt in the amount of {$4300.00} furnished on my credit report by a company by the name of Advanced Collection Bureau Inc. I immediately called the number that was listed as a point of contact and asked them how did they feel this debt was an actual debt belonging to me. I also demanded that they provided me with all pieces of evidence including but not limited to identification cards, original documents and other personalized details that XXXX give them the impression that this debt belonged to me. Instead of receiving this important information that was imperative to finding out how they obtained my information, I was provided by a XXXX XXXX XXXX a PHOTOCOPIED LEASE with the incorrect spelling of my name ( more than once ) which further proves the fraudulent activity and was told by XXXX XXXX that that was all the evidence he needed to assume that he had the authority and audacity to furnish my credit report with inappropriate information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Discrimination and loss of money by Chase Bank. 
On XXXX XXXX, before I paid to the XXXX deposit I received from them assurance that if I will make deposit XXXX, I will receive from them {$10000.00} bonus. Then after one month with their broker help I will earn {$100000.00}. This information I received by their chat and is copied. 
Unfortunately, no call I received from the broker. After my intervention the broker called me, he made XXXX trades within two weeks. The third he lost about {$500.00} of my money. One month has passed and I lost some money. After that I sent them request for withdrawal my deposit, because they cheated me. They sent me information that to withdrawal my money I need earn over {$300000.00}. 
I sent them info that the reason that I decided to withdrawal my deposit of {$4000.00} ( less {$1000.00} by my personal loss ) is that they cheated me, no earned {$100000.00} but loss. 
By their chat and emails I asked them many times for my money back but they ignore me and blocked my IP, so now no response from. 
Regarding this scam on XXXX XXXX XXXX XXXX I asked Chase bank by phone for help. The send me from one person to another. They promised me credit within 12 hours, but did not received from them claim number. 
Within next few days I did not received the promised credit and any confirmation letter, no claim number. 
Then I sent the by email again explanation of the scam with proof ; screens shots of website and email. Also no any response from Chase bank. After next week I sent to chase bank by their website again complaint and asked them for response and claim number, but this time I received automatic email back with assurance : This is to confirm we have received your message sent XXXX/XXXX/2015. You can expect to receive a response within 24 hours. 
However, they cheated me, no any response to this day. 
I accuse Chase Bank of discrimination and loss of money. 
Such behavior is serious criminal act against Bank 's clients, because they allow fraudsters to feel impunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Woke up to find a joint acct I share with my daughter was overdrawn by {$4000.00}. Called Bank of America who informed me that collection agency had gotten a judge and they over drafted the acct to satisfy it. They also over drew my daughters saving which was at - {$15.00}. When asked to provide proof of judgement they just gave out a phone number for a law firm in XXXX ( XXXX and XXXX ) even though my daughter and I reside in XXXX. Neither the bank nor the lawyer can provide proof of debt, judgement, or any amounts paid on this acct. 
This was a car loan that defaulted but was being paid by wage garnishment. 
My daughter is XXXX XXXX XXXX and I am XXXX XXXX. We need an accurate accounting and proof of debt and judgement. We have never received any communication prior to the Bank of America taking funds that did no exist from XXXX acts and refusing to provide 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 explanation
Consumer complaint received 2015-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
The company FIA card services which is a subsidiary of Bank of America filed a default judgment against me for credit card debt accrued by defunct company MBNA XXXX on XXXX/XXXX/XXXX. 

I applied for and maintained a business credit card with MBNA on XXXX before the company went out of business. The debt was accrued during the year XXXX. Bank of America acquired MBNA in XXXX and this arm became FIA card services that same year. Since my debt was initiated and established during the existence of MBNA and NOT after the acquisition period, this default judgment is a direct violation of the FCRA, as FIA is attempting to collect a debt of the defunct company MBNA XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. XXXX  Account #, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all XXXX bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under, -15 U.S.C 1681 section 602 A. States I have the right to privacy.

-15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ALL NEGATIVE ACCOUNTS LISTED BELOW -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-15
Company: Experian Information Solutions Inc.
State: DC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-15
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, PayPal team, I am the account holder of " XXXX '', my email has been hacked and permanently XXXX, now I can not log in to PayPal, please help me update my account information, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I recently refinanced my HELOC with Bank of America to lower my payment and specifically requested a fixed interest rate loan multiple times. During the application process my loan officer reassured me he would get me into a fixed rate loan. After 6 months of making my new payment amount, my statement had a note on it that my payment was increasing and I had a variable interest rate. My new payment amount is more than what my previous payment was after the interest rate change! I do n't understand how this happened when my loan officer reassured me multiple times the loan I was getting into was a fixed rate. On top of all of this, I now can not make my payments online anymore like I was able to with my old HELOC. When I called in to ask about this, I was advised I have to have a Bank of America account to pay my HELOC account online. That makes no sense because I could make my old HELOC payments online just fine without a BAC account. I 'm completely unsatisfied with the product I was given and having my payments be more than they used to be. This is a hardship on my financial situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX debt was paid off through an attorneys office, and payments made as agreed with them. 

Months after this, I received letters from a different collections company about the same debt. I disputed it since they had added that to my credit report. It was taken down. 

Today XX/XX/2021, the same collections is again trying to collect for the same debt. ( South west Credit Systems ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received numerous complaints from friends and family members that this company is contacting them several times a month. I do n't know how they have my friends and family members phone numbers, but it is uncalled for. They are feeling threatened and harassed. 
I researched the company and it states they are a collection agency for XXXX XXXX. I do not have a student loan with XXXX XXXX. Furthermore, my student loan is auto-drafted, so I know it is current and not in default.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Paypal Holdings, Inc
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:
Hello, PayPal team, I am the account holder of " XXXX '', because my email was used by hackers and permanently disabled, and my mobile phone number bound to PayPal has also expired, so I can not use PayPal services, I have contacted PayPal experts many times and the problem has not been solved, which has caused great trouble to my life, please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
BOA likes to charge a fee when they feel like it. I took {$20.00} out of bank as my direct deposit was going through. Was charged a {$34.00} nsf fee when in the past have never had this issue. Also had previously spoke to a manager who told me if a direct deposit was pending I would be fine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On numerous occasions Bank of America and their representatives have made representations as to my character and account status that l find beyond insulting, humiliating, and embarrassing. These representations were not only made to me, but to the public as well. For example, when Bank of America represent I have defaulted on a mortgage or Deed of Trust it implies I have intentionally ignored my financial obligations and I am not to be trusted. 

Just to be clear, it is not me who has made knowingly false statements as to the true status of my account, or who has caused this account to default, if any. For example, Bank of America has repeatedly stated I have made multiple requests for mortgage assistance ( RMA ) and, as a result, have been denied on appeal multiple times as well. However, as confirmed today with Bank of America representatives, there are no Appeal Department documents evidencing an appeal or a determination on appeal XX/XX/XXXX. When asked to provide proof of these and other representations, Bank of America never does, but insist on continuing to add insult to injury with their lies. 

In the XX/XX/XXXX Bank of America letter provided by their legal counsel, they attribute statements they have made as mine. For example, it is Bank of America who stated to me in their XX/XX/XXXX letter, also provided by their legal counsel, there is no principal balance associated with this account. It is not I who has made this representation to Bank of America. 

I have put Bank of America on notice to immediately cease and desist with this and similar behavior as I find it to be slanderous, among other things. 

Additionally, Bank of America informed me today my account as been coded as being represented by legal counsel and, as a result, are unable to talk to me directly. I am currently not represented by an attorney and have made this clear to Bank of America. 

Also, after the events of XX/XX/XXXX, I have told these people to stay off of my property as they are trespassing and not to come back. 

88 ) Malicious Credit Reporting. 
91 ) Financial Sabotage ( on a mortgage or Deed of Trust ). 
92 ) Fair Credit Reporting Act. 
93 ) Defamation of Character. 
94 ) Slander 95 ) Liable. 

All previously mentioned resolutions are desired and mandatory.

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 2017-01-20
Company: Navient Solutions, LLC.
State: GA
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 refinanced my loan in XXXX and my interest rate and payment was reduced to {$45.00} per month with payments automatically deducted from my checking account. I received notice that Navient was now servicing my loans and that I needed to setup an account online. In XXXX, my payment frequency changed from monthly to every other month with a payment of {$100.00}. In XXXX, my payment frequency changed to monthly with a payment of $ XXXX/month. I was declared XXXX in XXXX and began a claim for Social Security XXXX. I have not had an income in two years and I 'm completely dependent on my spouse and my mother makes my loan payments. I called Navient to inquire about assistance with my loan with regard to my lack of income and I was told my only option was forebarence. I was uncomfortable with that option so I have been struggling with my payments.

Company response to consumer: Closed with explanation