BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
on or about XX/XX/2022 company was contacted in regards to accounts in dispute. and was requested to remove all incorrect address as the only address should be XXXX XXXX XXXX XXXX ky XXXX furthermore company states that accounts come back as verified by reporter of the information but when advised that company who reported information has failed to respond to request for account level documentation and verification of account company allows information to remain,

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 2016-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FM
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I used a Bank of America ATM on XXXX XXXX to make a deposit and a week later my debit card was used at a XXXX ATM approximately XXXX miles from my home. I notified Bank of America immediately that my card was in my possession as well as notifying them that I did not make the transaction. Throughout the process of the fraud claim I had representatives review my account history, notifying them that this debit card is only used possibly 1-2 times a month. My initial 2 attempts were denied for the fraud case. I 've worked in the banking/finance industry for over 7 years and am aware that ATM machines have been targeted for phishing or skimming attacks. The bank is claiming to do research and is holding me accountable for a balance inquiry fee, 2 ATM withdrawals and ATM fees that total to {$400.00}. Per my account history I only pay bills from the stated account and would not check my balance at a non bank ATM plus do multiple withdrawals that would cost me additional money. I initially sent my request to the XXXX and was referred to submit the inquiry here. I 've been scammed by someone or possibly the bank and as a consumer this seems to be advantageous for a bank and a nightmare for a customer.

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 2015-12-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Hello, I am trying to repair my credit. I called XXXX XXXX. XXXX. Their phone number is XXXX, this is where I am being mislead and feel lied to. The recording states that you can pay by phone. I had changed my due date ( origional ) to the XXXX of the month. I received my first bill. I called to pay on XXXX/XXXX/15, thru my checking account. NOW I AM being told that there is a {$10.00} FEE to pay over the phone. They waived my first {$10.00} payment -- -I stated that the recording they play does not DEMAND ANY Mandatory FEE! Statement on phone says that you can pay {$10.00} -- IF YOU WANT your money 5 days earlier. I DO NOT!! I JUST WANTED TO PAY BY PHONE ON THE XXXX OF THE MONTH AND MY PAYMENT WOULD NOT BE LATE!!! OOOOOHHH NOOOO!!! XXXX states that if calling in by phone you will be charged {$10.00} even if you do not want your money available 5 days earlier. XXXX which I do not need ). 
I have asked to have my payment date changed back to its original date of XXXX or XXXX of the month. They will not change my payment date back -- -even though I EXPLAINED that their recording does NOT say MANDATORY {$10.00} charge to call in payments. I have closed my account due to the LIES and MISINFORMATION given initially -- -or I would not have accepted this card!! Their telephone number is XXXX, so that you may listen to recording -- -- LISTEN for mandatory payment of {$10.00}??? IT IS NOT THERE!!! They do not care ... I pay plus {$10.00} ... so my money is available 5 days earlier ... I do not want any money available 5 days earlier ... AND RECORDING DOES NOT STATE MANDATORY!!! Basically " too bad for you thats what it means. " -creditonebank-states! 
I am asking that you listen to the recording and check to see if you understand their recording and that you hear " MANDATORY '' ANYWHERE IN THAT MESSAGE??? I called them liars because that {$10.00} is NOT mandatory!! I also cancelled account because I DO NOT WANT TO TRY AND COPE WITH ANY LIARS!!! 
I feel they should write-off this account for the misinformation which started before I even received the card. I would NEVER have accepted this card if I had known they make up their own RULES as they go on. XXXX should XXXX BALANCE my account since it is all incorrect from the very BEGINNING!!! 
I have tried to change to later date but this is unacceptable to them and they will not change it back ... .continuing to tell me that the {$10.00} is a MANDATORY FEE!!! LIARS!!!!! Please listen to message and let me know how you feel?? I feel lied to and mislead, while my only intention is trying to improve my credit scores. -Customer service : XXXX. Misleading recording and information from agents ... .until trying to make my first payment -- IT IS A MANDATORY FEE!!! RECORDING SAYS NOOO SUCH THING!! 
I thank you in advance for any and all help you might be able to help me with this " mandatory '' problem!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received a call from this phone # saying that they were from card services, tthe person stated there is nothing wrong with your account but you have anopportunity to receive 6 % interest rate. problem being the person could nottell me what bank card company I was with and they are saying that theygot my number & info from XXXX. I called my card company and they saidthat this is not them.the number in which was on my phone was ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Beginning when I was an XXXX-year-old university student, I took out XXXX XXXX, now known as Navient subsidized and unsubsidized student loans and later a " XXXX '' loan worth over XXXX between XXXX and XXXX - which was more than twice as much as I earned working my way through college - so that I could attend the University XXXX. It 's a relatively affordable school, but due to the fact that I was raised by a struggling single mother and my job at a XXXX paid only {$XXXX} per hour, I still needed money to make ends meet. I had no idea that, without a cosigner, I 'd end up with credit card-like interest rates, amongst a multitude of other problems. After taking time off from school to work and save money, I earned my XXXX XXXX in XXXX. After graduation I accepted a job working for a XXXX. Eleven short months later I lost my job when the XXXX. Entry-level jobs had dried up and I could n't even get a job at a local retail store. I was on unemployment making {$XXXX} a week for four months. So, with limited ( after rent, utilities, car payment and groceries it was really no income left over ) income and my private student loan payments, interest and fees, I was headed for default. 
Navient 's collectors called me up to 10 times per day, even on weekends and holidays. I spoke to one representative asking them about my options and the only option Navient offered me to avoid default and subsequent financial ruin was to pay a {$150.00} fee every three months to put my loans in " forbearance ''. But interest would still have continued to accrue. I filled out the paperwork and sent in my first {$50.00} check because at XXXX a week that was even a stretch. I have the carbon copy of that check but it was never cashed on their side and still says pending through my bank. My forbearance paperwork was never processed. I 've asked them to open my case and they deny any wrongdoing. Since this time, I 've been back to work for nearly a year and making all payments on time but those XXXX " missed '' payments, because they did n't process my request, have wrecked my credit and have the potential to haunt me for the next seven years, preventing me from buying a new home, leasing a car or getting a job - at least, with one of the 60 % of employers who check your credit before they hire you. I will continue to make my monthly payments to them but I want those XXXX missed payments removed from my credit so I can have a financial future again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have reported American Express several timeshere. This time I am upset because I have askedthem to cease and desist and three days laterI was sent another threatening email. Also thecyber fraud issues have been going on sinceDecember 2013, which is way longer than 30 days. 
I have told them I feel threatened and asked forproof of investigation and this is finally supposedto be in their fraud department, but they still tryto collect what we allege we do not owe. They saytheir attorney investigated this, but if this is true, then why have we received absolutely no proofof the line item charges we ca n't find that areset forth in the totals they say we owe? This isusing the reporting threat to extort money from usthey refuse to show we owe. They have also notpaid people we authorized to pay, and for which wemade payment. XXXX of these is XXXX XXXX, and there appears to be more of thiswith other companies, which we are investigating, and these things are new cyber fraud issues. Sowhy is n't American Express really investigating, and if they finally are through their fraud departmentthen why are they harassing us withconstant emails and threats to report us to thecredit agencies. Enough is enough! We ca n't be theonly ones to whom this is happening. All we want to do is pay our bill, but only as to the actualcharges we authorized and/or also that we can seein black and white. This is all we ask. Do n't payunauthorized charges. Show us in black and whiteand line by line ( correctly ) how you came up withyour final balance. We pay all new charges in fulleach month, so interest charges do not apply to thisissue. So where are the line item charges wecannot see?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: Navient Solutions, LLC.
State: NY
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 XXXX XXXX, XXXX my wife and I went to obtain a pre qualification for a mortgage. Once our credit reports came back, I noticed immediately there were reports of delinquent payments from Navient on my credit. I knew for a fact that I have never missed a payment with Navient, nor have I ever made a late payment. After finding out this surprising information I checked my account history online at Navient 's site. My account history goes all the way back to XXXX, XXXX and shows not one single missed or late payment. 

On XXXX XXXX, XXXX I decided to call the Navient customer support line to get this issue resolved. I spoke with a XXXX ( Representative Number : XXXX ) who confirmed that my account is and has always been in good standing. XXXX also noted that my account shows no late or missed payments, thus proving that I have been incorrectly reported to the Credit Bureau. XXXX explained to me that the only way to dispute this would be to write a letter to Navient 's Credit Dispute Department with a copy of my credit report showing the negative marks and any proof I had that this was a mistake. Unfortunately, XXXX also stated that there is no phone number, email or fax number to contact the Credit Dispute Department at Navient, or anyone at Navient headquarters. Naturally, I was dumbfounded by this. How can a company have no phone number, email or fax line? This obviously raised a lot of red flags for me. The next day I sent a certified letter to the provided address for Navient 's Credit Dispute Department and sent along my credit report and proof of all my on time payments. 

On XXXX XXXX, XXXX I received a response from the Credit Dispute Department in my Navient Account Inbox stating that " the information we 're reporting to the consumer reporting agencies is accurate and that no corrections are warranted ''. This left me pretty enraged. I has proof directly from their website showing no missed or late payments and even had an employee of Navient state that that my account is and always has been in good standing. On top of this, I also became very concerned that Navient provided me with no proof of these apparent delinquent payments. All that was given to me was a letter saying basically that I was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XX/XX/XXXX2015 I ordered, via XXXX, a XXXX article subscription of the XXXX XXXX for XXXX. This came though my XXXX account which is not my default email program which mean I do n't look at it unless necessary. 
Then on XXXX/XXXX/2015 that XXXX XXXX subscription turned into a, unbeknownst to me, {$15.00} a month subscription. This was reoccurring so before I could notice another charge incurred on XXXX XXXX, 2015. 
When I figured this out, I attempted to unsubscribe from that which I never subscribed to in the first place. The form required a user ID and password for the subscription. This I did not have because I was not a subscriber to the XXXX XXXX. Moreover, the XXXX Kindle {$1.00} payment did not required the set up of a user ID or password. That 's not the way Kindle subscriptions work. 
As a side note I should have known this was a scam because the subscription process required an email address where I submitted my XXXX address. I say this because all Kindle subscriptions come to my Kindle via XXXX Kindle account. 
I did not subscribe to the XXXX XXXX digital newspaper for {$15.00} a month. Nor have I ever subscribed to the XXXX XXXX for a monthly digital subscription. This was a bait and switch by the XXXX XXXX via XXXX Kindle. Buy a XXXX article subscription for {$1.00} that turns into a {$15.00} month subscription. 
I contacted Bank of America and filed a dispute. Then Bank credited my account a total of {$31.00}. And then reversed that credit. I called the bank and they told be that was going to be taken care of and that my account would be credited for the total amount. 
Then I checked my account and the amount of {$31.00} was not credited. 
It appears to me that BOA is siding with the XXXX XXXX. This is a rip off. The XXXX XXXX went through my XXXX Kindle and gave a {$1.00} offer for XXXX articles and then somewhere in the fine print ( read on a XXXX inch screen ) that {$1.00} dollar turned into a reoccurring {$15.00} charge on XXXX XXXX, 2015 adding up to a total of {$31.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I locked my refinance rate with TD Bank. Rates increased quite suddenly post election. My mortgage is now saying I will to have to pay different " points '' since post appraisal the LTV is 61.3 %. They are saying the points are different for LTV greater than 60 % vs. LTV less than 60 %. Is there 60 % cutoff really? I have never heard of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Other financial service
Sub-product: Refund anticipation check
Issue: Customer service/Customer relations

Complaint:
I filled out the wrong acct # on my Tax Return and did not catch the error until the day the IRS send the money and the money was deposited into someone else 's acct. We notified TD Bank immediately of the error. TD Bank confirmed that they have the money and its is currently on hold but refuses to send it back to the IRS. The IRS says that the only way to reissue the money is for TD to return it back to them however they will not. I am at a total loss as to why they will not return the money and I need help. TD Bank is unwilling to do anything. The IRS said that this happens frequently as they often get wrong information and the Bank always returns the money. I have spoken with many employees at TD Bank and they have all said the Bank should just return the money until they get to the ACH department and that is where the refusal happens, the Customer Service Employees are told unless the IRS asks for the money back there is nothing they will do. I have spoken to the Banking Commission, FDIC, IRS, XXXX and several others all have said the Bank needs to return the money. TD Bank will not allow me to speak with anyone in the ACH Department. I am at the end of my rope as to what to do. I am placing this formal complaint against TD Bank for holding money with full knowledge that it does not belong to them and needs to be returned to the IRS for proper distribution. Please HELP!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-19
Company: EQUIFAX, INC.
State: IL
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:
I am a victim of identity theft. I have provided all the proper documents from identity theft.gov and even more documents and also a police report. Equifax has been 4 months with me, lying. some has told me they took it off. I get a different story every time..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
TD Bank has continued to allow my account to be overdrawn, has not refused any transactions and now has charged me over {$500.00} in overdraft payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Your agency has yet to produce any solution from Bank of America. I 'm wondering if this is to big of a task for this agency. 
Bank of America has just increased my loan payment more than 3 times the rate. Bank of America informed me this was an interest only loan and did not explain that it was only for 10 years. Bank of America will not assist me in helping. Bank of America suggested I default on my loan before I can receive help. 

Bank of America has assigned and then switched approximately XXXX different managers or employees to help me. 

Bank of America took over 1 year to decline my loan modification. Perhaps this needs to be repeated. BANK OF AMERICA TOOK OVER 1 YEAR TO DISAPPROVE MY LOAN MODIFICATION. This is unjust to say the least. As a result, I now have to pay tripple the amount. I could have shopped for alternative a year ago. 

Please hold this bank responsible. Enough is enough.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was on the verge of defaulting on a student loan through XXXX XXXX when I was finally able to make a reasonable payment plan. My loan was transfered to Navient which is apparently a sister of XXXX XXXX. The verbal terms of the agreement were XXXX $ a month with a .01 % interest rate as the original interest rate on the loan was 8.5 % and 10 %. I have been paying down the loan for 2 years as of XXXX XXXX and the loan balance has not decreased. I contacted them in XXXX XXXX to ask why my balance had not decreased at all and they informed me that it was a computer glitch that did n't make all of the loans .01 % it only applied that to the smallest loan. So the rest of m loans were still collecting 8.5-10 % interest rate on XXXX $ of the the balance. I have called and spoke to multiple people and they continue to say " they are working on it '' I had one Navient " Manager '' state that I needed a court order to access my billing and payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have both federal and private loans with Navient. I borrowed over {$70000.00} from approximately XX/XX/2003 through XX/XX/2006 for XXXX school. I have been paying on these loans since XX/XX/2007 and have had a few economic hardships and filed a few deferments since XX/XX/2007 ( some derferments due to low income and some due to my XXXX 2 years ago whereas my income was low ). Due to high interest and late fees, my principal balance still remains to be approximately {$73000.00} after 10 years of paying towards my loans. Thanks, XXXX

Company response to consumer: Closed with explanation