BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-31
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have written twice for verification, of my signature, that this debt is mine, and twice they sent nothing that verified it was mine, then another letter stating that they sold my account to XXXX XXXX, but yet they still report on my credit report with no proof it is mine. Any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from their company or any company that they represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, they need to request that all credit reporting agencies delete the entry.

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 2015-04-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
There was an unauthorized check withdrawal transaction on my personal checking account XXXX/XXXX/15, XXXX. Unauthorized funds released. All my transactions have been returned unpaid and no communication from the Wells Fargo bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX or XXXX XXXX XXXX XXXX is reporting derogatory information to XXXX, XXXX and Transunion. The item does not belong to me and I have disputed this item ( s ) on at least two occasions, yet XXXX, XXXX XXXX and Transunion have failed to remove and or delete the derogatory information contained in my credit file. In addition, I have disputed the derogatory item ( s ) under The Fair Credit Reporting Act, specifically Section 609 FCRA, which requires XXXX to perform specific acts, including but not limited to producing the time and of the authorization to access my credit file, the actual credit file report and or copies of any and all contracts or agreements to referencing the alleged debt. Although duly noticed on at least two occasions, XXXX, XXXX XXXX and Transunion have failed to comply with The Fair Credit Reporting Act, specifically Section 609 FCRA and the requirements thereof. 

As of the submission of this complaint the derogatory item ( s ) pertaining to XXXX remain on my credit file, despite XXXX, XXXXXXXX XXXX and Transunion being noticed to comply with Section 609 FCRA. All of the aforementioned entities remain in collusion to not provide the required information under Section 609 FCRA. In short, XXXX has providing nothing despite my notices a XXXX demands and all are in violation of The Fair Credit Reporting Act.

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 2015-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I have a interest only XXXX mortgage with Bank of America. The terms were for 10 years and then it became an amortized loan. My husband and I have been impacted by the recession and have been working very hard to pay off our debts. The interest only payment averages {$250.00} per month. The new fully amortized loan will now be {$750.00} per month. The additional {$500.00} per month will be a hardship to pay so I applied for a modification with B of A to extend the loan so we could be in a better situation to pay off our debts and refinance the XXXX and XXXX into XXXX loan. B of A rules are designed to make sure no one qualifies for a modification! I do not know how they stay in business! B of A has hateful practices and run-around tactics! I read the consumer reports and they all say the same thing. B of A just wants them to fail so they can foreclose. 
It looks like the only way that I will qualify for any type of assistance with them, is if I miss payment. They said that I did not qualify for the Extension program the first time that I applied because it was an interest- only payments, then it went into the amortized loan, now they say it is because I did not meet the delinquency requirements ( but do not say what those are ). As for the End Of Draw modification program, the first denial was because my debt was either more or less than the amount required for the program, now they say it is because I am in the repayment period! If I miss payments to qualify for a modification, I am at risk of foreclosure and I still may not get a modification! Attached are both letters of rejection. I have not been late with any payments for over 5 years. I am trying to get my credit re-established so I can refinance. I have XXXX more debt to pay off before I am in a position to apply. I can not be late with any payments in order to get my credit where it needs to be. B of A took no time at all to reject my requests. It is as if they do n't even look at the paperwork.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: PA
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:
When I was having trouble making payments, Navient pushed me into forbearance before giving me options to lower my payment. Later, when I was able to lower my payment, they failed to inform me that I needed to renew the program and my payment was raised again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have had my loans serviced through Navient since 2014 and due to my economic hardship and low income, instead of paying {$0.00} for my income based repayment, Navient has charged me more interest and more monthly payments that exceed my spending capabilities. Navient has failed to offer me the right federal forbiddanc and failed to disclose any other rate reduction programs that would have benefited my repayment and credit report. Consequently, this has severely impacted my income / debt ratio which has limited me to consolidate my loans with other refinancing companies. I have had a very hard time keeping up with my payment plans as a resident working XXXXXXXX hours per week while on a resident salary. I have tried countless times to get on the rate reduction program but Navient has failed to call back and respond to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: WELLS FARGO & COMPANY
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have an account with Wells Fargo. I withdrew {$350.00} on XXXX/XXXX/16 at the branch. Wells Fargo charged my account {$35.00} for this transaction, then they charged me 5 times {$35.00} for a total of {$170.00}. The money was in the account when I withdrew the {$350.00}. 

I had a direct deposit on XXXX/XXXX/16 for {$1200.00}, Wells Fargo still gave me an overdraft fee of {$35.00} although the money was in the account. 

I feel as if these fees are extra and unlawful.

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 2017-10-11
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upon checking my credit report again due to an alert i received from the credit bureaus, I noticed several unknown, unauthorized credit inquiries on my report. A company by the name of XXXX XXXX XXXX credit acceptance and XXXX we on my report. Number one I XXXX XXXX XXXX because I have XXXX XXXX so why do I need a car? Next, I 'm not in the market for a new credit card neither and ca n't afford to pay back amounts in full every month as needed from XXXX. 

This is my EIGHT REQUEST asking you to remove the unverified inquiry, which violates the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following inquiries are related to none of the aforementioned permissible purposes, and I demand that the following accounts be properly verified or removed immediately. 
What this means is that your company must be willing and able to produce a document in your files that proves authorization was given by me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed inquiry and to do this they must have 1st hand knowledge of the alleged inquiry and all that has ever transpired for the alleged inquiry under oath and under the penalty of perjury. 

Please be advised that if this inquiry isnt verified according to the Fair Debt Collections Act. You must delete this recording from my credit reports. 
Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2016-02-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I went to a dentist for a full mouth rehabilitation case. The total cost for my case was over {$50000.00}. It is usual that half is paid when the dentist prepares the crowns and half, upon delivery. I paid the dentist over {$27000.00} with my CARECREDIT card account by SYNCHRONY Bank, which is used for medical and dental purchases. The dentist never completed or delivered the promised services and goods per our agreement, in over a year. I then filed a dispute with CARECREDIT for " NON-RECEIPT OF SERVICES AND GOODS '' and " NON-DELIVERY OF SERVICES AND GOODS, AS AGREED '', which are two examples of billing errors that must be enforced by Creditors, under THE FAIR CREDIT BILLING ACT. They contacted the Provider, who pretended the work was still ongoing, although I had not heard from him in two months. I sent undeniable proof of the BREACH OF CONTRACT to CARECREDIT. I had been trying to reach the dentist without success and sent him two certified letters that had been left unanswered. I was still in " Provisionals '', so it was evident I had not received the final crowns. Then SYNCHONY BANK wrote to me that because they had credited me a different sum for another dispute, with another dentist, four years earlier in 2011, they could not credit me or reimburse me for this dispute. They of course, conveniently left the name of the other dentist from their response letter. I contacted them to say that the old dispute with the other dentist, had nothing to do with this new dispute with my current dentist ; they never responded to me and then released the disputed amounts in the Provider 's favor. It was evident that no matter how well documented my claims against my dentist were and how obvious his unethical and abusive business practices were towards me, SYNCHRONY BANK was going to side with him, the Provider, instead of protecting my rights as a Consumer ; ( because it was easier and less expensive for them, to do so ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was sent a letter to owe the amount of {$51.00} on my BANANA REPUBLIC credit card account. I paid off all amount that was due on that credit card and it currently shows on my online account that I have no amount due at this time. 
The last payment I paid in full was in XXXX XXXX, 2015. 
I do not understand why I am receiving a letter from the collection department for an amount that I did not even spend. Please fix this false statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Naviant/pioneer attached my wages. I tried contacting them to resolve the issue. I finally had to hire a lawyer to get the matter taken care of. Pioneer was impossible to get a hold of. They repeatedly gave my lawyer incorrect phone numbers and addresses would n't return paperwork. It took three to four months to finally get the information we needed to request a hardship hearing. XXXX I received a hearing decision to reduce my garnished amount from 15 % to 1 %. as of XXXX Pioneer had not sent the letter to my employer reducing the garnishment. As of today XXXX I am still being garnished 15 %. According to Federal Student aid as of XXXX my remaining balance was {$100.00}. My wages were attached for XXXX on XXXX, XXXX on XXXX, and finally XXXX on XXXX totaling XXXX, XXXX over what I was supposed to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A long time ago I switched my phone services from XXXX to XXXX ( who happens to be owned by XXXX ) to lower my cost. XXXX continued to bill me for unknown charges after my switch. I had no legitimate debt owed to XXXX. I have continued my services with XXXX XXXX for more than two years.

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 2021-01-14
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to you about the following Kimball Tirey & St John LLP account # XXXX original creditor XXXX XXXX XXXX  XXXX XXXX opened on XXXX XXXX with a balance of {$2700.00}. It was paid and reported by XXXX XXXX and the account with the original creditor was closed on XXXX XXXX with a remaining balance of {$0.00}. The account attach to Kimball Tirey & St John LLP # XXXX is wrongfully reported on my credit and is negatively effecting my credit score because of its inaccuracy. Im requesting under the CFPBs supervision that this account be removed off all my credit reports. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have requested removal of unauthorized inquiries on my credit report with Transunion on more than one occasion. However Transunion claims to dispute the inquiries and have them removed. These inquiries still remain on my credit report without any validation provided to me. I have requested this information and Transunion refuses to provide me with any information. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Navient Solutions, LLC.
State: OK
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:
Dates :  XXXX  > present Amount : {$52000.00} We have been extremely disappointed in the lack of support we have received from  XXXX   XXXX  / Navient in regards to our efforts to obtain refinancing and repayment or forgiveness options related to an enormous student debt. This debt has been an indescribably heavy burden for my family for over  XXXX  years - it seems outrageous that any company would allow individuals to suffer under the weight of a debt related to obtaining an education. We certainly did n't buy a boat or take vacation with that money! At this point I 'm at my wits end as to how to satisfy a loan that is over  XXXX  decades old ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: AMERICAN INTERNET MORTGAGE
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
AIMLoan.com failed to pay real estate taxes when due out of the escrow account maintained for tax purposes. To date they have only paid a {$210.00} assessment with an additional {$4300.00} past due. As the borrower, we reached out numerous times only to be told it was being researched. As of today taxes remain past due by one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Aspen National Financial, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt was opened well over 7 years ago. The original determination was grand review resort. I never used the property and end up giving back the property. I was charged a maintenance fee twice even though I had thr property for six months. The debt should be removed from my account because the company is trying to get more money from me after there property was already returned. I want my debt verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-08
Company: Flagstar Bank, N.A.
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Follow up to previous issue. 
Today I tried to make 5 payments + late charges by phone. This is before the XX/XX/XXXX deadline that was outlined in the servicer response to me and the CFPB drafted by XXXX XXXX. Despite 3 attempts to make this payment by phone, no agent would accept it. Further, each agent told me they could not see the letter I am referencing. ( This letter is the response attached to my previous complaint ). 
When I requested a supervisor, I was refused. I requested a call back, which the agent indicated they would send an email to their supervisor but could n't guarantee a call back. I asked if the agent could email XXXX XXXX - the respondent on my previous complaint - and was refused this as well. 
I am immensely frustrated at this point - the servicer is not following their own guideance and making it extremely difficult to simply make a payment. I have initiated a payment from my financial institution in the amount of {$5500.00} to cover the full arrears plus the next payment due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
While at a XXXX XXXX art auction on a cruise ship ( XXXX XXXX XXXX ) the Park West employees placed a number of art works on the stage. The auctioneer then told the audience that as a reward for simply applying for a Park West Collectors credit card the applicant would receive any XXXX of the artworks displayed on stage absolutely free. I filled out the application and told the Park West employee my choice of the free artwork. At that point I was pressured to purchase XXXX artworks by the same XXXX for a total of {$810.00}. I chose not to purchase these artworks, indicating I only wanted the piece of art that was offered for free. I was then given an appointment to come to the Park West office after the auction, which I did at the appointed time. Upon arrival the representative told me my choice of artwork was out of stock and that I would have to pay {$35.00} to have it shipped from another location ( I found the same piece of art listed online for {$35.00} with free shipping included ). I told the Park West employee that there is at least XXXX such piece of art available-the one that was displayed on stage. I further told the representative that It is deceptive to display such a piece of art as available at no cost when it is in fact not available. I then told the representative that I wanted to withdraw my application for the credit card and demanded the application I had completed. The representative gave me the application and I left with it, thinking this was the end of the matter. Upon arriving home I discovered an E Mail from XXXX XXXX indicating a new credit account had been opened. I went to the Credit Karma website and discovered that Park West had in fact opened the credit card account against my stated desire .It is a Park West Collectors card through XXXX Bank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I am being contacted by a debt collector for private student loans that have passed the statute of limitations. I have requested in writing via certified mail not to be contacted further by phone, yet I received another call today, XXXX XXXX, 2015, and this is nearly two weeks after they received notice not to contact. The firm 's name is Weltman, Weinberg, and Reis , Co., L.P.A. based out of XXXX XXXX, OH.

Company response to consumer: Closed with explanation