BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-04
Company: 2233 Paradise Road LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Received a phone call at XXXX on XX/XX/2021 at XXXX XXXX from a XXXX XXXX at XXXX and XXXX. Mr. XXXX did not state that this was a call to collect a debt or that I was on a recorded line. MrXXXX XXXX continued to state that he was with XXXX and XXXX and wanted to work with me in regards to a past debt. I told him that I do recall the debt but if I could receive a letter with all the information to confirm. He stated that he can just give me whatever information that I need over the phone. I let him know that I settled a debt recently and thought that it was for this particular client, he let me know that I should have received a letter from them if that was the case. I did let Mr. XXXX know that I was at work and would be more than happy to look into this as well. Mr. XXXX continued on by stating that I should be happy that they are willing to work with me because if I don't then that they will add this onto my credit report and that it would be stuck with me for the next 7 years and that since I am young, it would affect many items. Mr. XXXX stated that he would give me the day to check in to see if I could find a letter stating that the debt was paid and that I could give him a call back on XX/XX/2021. He then proceeded to give me his direct line and asked, " Did I give you my email yet? '' I stated that he had not and then he said that it was okay, that I didn't need it anyway. I asked if I could have the email address just in case if I needed to follow up and if he did not answer is phone. Mr. XXXX then became very aggressive saying that he just said I didn't need it. I reiterated that I do have a right to contact him via email if I choose to and he said that I still didn't need it and he could refuse if he wanted to. I asked him again and he said that he would not provide me with an email address to reach him and that he would not transfer my call to someone else. There is a clear difference in using scare tactics versus stating things that are illegal. I called back on XX/XX/2021 and spoke to a representative who did confirm that the call was recorded but did let them know that I was unaware since he did not say this. I am still awaiting a call back from Mr. XXXX as that is Mr. XXXX 's direct supervisor.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MT
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. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-12
Company: Navient Solutions, LLC.
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
The General Revenue Corporation are repeatedly contacting my phone, my employers, and the landlord of the house I am renting. They call up to XXXX times a day re : a collection. This has now become a problem with my employers and the phone calls need to stop before I get fired because of them harassing my boss.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: AMERICAN EXPRESS COMPANY
State: AZ
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 signed up for what I thought was a credit card with American Express. Nowhere in the advertisement did they make it clear that it was going to be a charge account that does not have a limit. I was intending to sign up for a card that had a limit so the increased limit would positively impact my credit score. Upon realizing I signed up for the wrong type of card I talked to customer service to cancel the account and remove the inquiry. They said no so I worked through the XXXX. I just got off of the phone with their executive office, and they refused to fix the situation as well. They are even refusing to cancel the card keeping it open after I have repeatedly asked to cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: Paypal Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Correspondence dated XXXX XXXX, 2016 documents an attempt to collect {$440.00} which they state is owed to PayPal. A telephone conversation with a PayPal representative indicated that my PayPal account balance this morning is {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-02
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
There is a XXXX bill that has shown up by a credit agency and they continue to call me even though they know it was my ex-husband that opened the account. This is not my debt it was opened fraudulently and I want it removed from my credit report without further harassment. 

I should not be treated this way for something that I did not purchase or get the benefit of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2020 this account with Westlake Financial has been paid off and closed. I have tried to reach out to the company to have this mark removed from my credit report with no avail.

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 2016-06-29
Company: Navient Solutions, LLC.
State: FL
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 made my XX/XX/XXXX payment plus extra in the amount of {$450.00} to Navient XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. The check was cashed on XXXX/XXXX/16. Navient Solutions has sent me a bill stating I am past due for my XX/XX/XXXX payment. When I called I was given an explanation routed to a supervisor, but disconnected twice before being speaking to the supervisor. After 1.5 hours of trying to call Navient, a supervisor finally called me back. She proceeded to give me a third explanation of what happened, which includes insisting I mailed my payment to an address other than the one above. Navient acknowledges receipt of my check and cashing my check, but because it was sent to another address for Navient, Navient is issuing a refund which will take 60 days to receive. Until then I am past due or I could give false testimony and claim I have a financial hardship and agree to pay any late fees and interest. I am a lawyer -- I will not give false testimony. I do n't know how the check could have been routed to an address I do n't even have.The first representative stated Navient re-routed it while the second representative and the supervisor insisted I mailed it to some address that I do n't have and both confirmed I had the correct address when I provided the address above. I do n't think my credit should suffer because of Navient 's incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: Fidelity National Financial, Inc
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been trying to verify my debt and am getting no response whatsoever to my enquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2016-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
What can I do about continued and unending harassment by Bank of America. I am told I am 4 months behind in my mortgage payments due to an issue with unnecessary forced place insurance even though a policy was in effect. Each time you call you speak o a new person and they wo n't meet with me. I have sent them copies of all payments and I am still told I am 4 months behind. Latest call was today. Is there a human I can talk to. I have been harassed for 2 years and have suffered XXXX problems. I wrote to he CEO with no response. What can I do???

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 2016-05-24
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have not reticulation of this debit on the facility this company represents i have not myself been too.

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 2017-01-26
Company: Navient Solutions, LLC.
State: FL
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 started out with a {$9500.00} loan XX/XX/2005, I put into forbearance, as I could not pay with the low paying job I had. Now the loan is {$17000.00}. REALLY?!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have returned the Vehicle on XX/XX/2021 and the leasing company still has not close the account. I tried to pay the bill to stay on time but they denied my payment and returned me the money. The account is now showing XXXX late payment and account still open. They received all paper work required from me and said it would only take 3 days for the account to be close. The account was suppose to be closed under SCRA Benefits and is been more than two weeks. I faxed the paper work again on XX/XX/XXXX and it was confirm by someone on the phone. For this my credit is showing a delinquency and has drop by more than 100 points. I want the acount to be close already and for the late payment to be fixed on my credit report

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 2016-10-16
Company: First Step Group, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A letter was sent to me dated XX/XX/2016 from First Step Group stating that they want to settle on an outstanding debt. There are XXXX issues XXXX the account number they report is XXXX I never had, and to, I have ten years worth of documentation including credit reports that prove that account number does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My IRA which I transferred from my XXXX what was left to keep from loosing any more XXXX to XXXX after being told by the Vice President, and Customer Service that it was a Federal Law that a IRA could only be by Myself or the IRS for back taxes. I later had the same thing told to me by Vice Presidents, Legal Dept., Customer Service Dept.in XXXX, XXXX XXXX, California, Florida & North Carolina. Even the woman in Florida that disbursed the check to XXXX XXXX XXXX till she found out who I was with my file. When she returned to the phone " we did nothing wrong, and there is nothing you can do '' and hung up would not answer my calls or return my calls.

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 2017-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged XXXX overdraft fees in the amount of {$70.00} on XXXX/XXXX/17 for XXXX charges which I had enough funds in the account to cover those charges. When I called today to get credit, the Supervisor said no..

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 2017-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Following death of parent in XX/XX/2014, I have attempted to receive remaining funds in her Bank of America checking and savings accounts. Bank of America has repeatedly demanded further " proof '' of my eligibility to receive these funds, and in phone conversations has repeatedly assured me that all was in order and that a check would be sent to me " within 15 days. '' No such check has been forthcoming.

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 2021-06-16
Company: EQUIFAX, INC.
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:
There are accounts listed on my credit report that do not belong to me. Please remove them immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, NJ XXXX XXXX XXXX, 2015 My name is XXXX XXXX, and I am borrower for real estate closing of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX. The closing took place on XXXX XXXX, 2015, and the closing had been delayed almost 2 months due to Bank of America loan officer and underwriter 's numerous mistakes. 
Further, although BOA loan officer has reassured me there will not be any penalties for the rescheduling of my closing, there was {$2800.00} fees on my closing which I never agreed ( see attached HUD, Page XXXX, Item XXXX ). 
No one informed me there will be " Adjusted Origination charges. '' Further, there had been discrepancies on Good Faith Estimates provided to me ( See attached GFE dated XXXX, XXXX, and XXXX ). 

1. GFE dated XXXX/XXXX/2015, there was charge of {$660.00} for 2.75 %. But, Estimated Settlement Charge Summary dated XXXX/XXXX/2015 showed Rate Chosen Discount Points of {$660.00}, and RESPA Credit Worksheet dated XXXX/XXXX/2015 showed Loan Lock Extend fee of {$660.00}. 

2. GFE dated XXXX/XXXX/2015, there was charge of {$1000.00} for 2.75 %. But, Estimated Settlement Charge Summary dated XXXX/XXXX/2015 showed Rate Chosen Discount Points of {$1000.00}, and RESPA Credit Worksheet dated XXXX/XXXX/2015 showed Discount point fee of {$660.00}. 

3. GFE dated XXXX/XXXX/2015, there was charge of {$1500.00} for 2.75 %. But, Estimated Settlement Charge Summary dated XXXX/XXXX/2015 showed Rate Chosen Discount Points of {$1500.00}, and RESPA Credit Worksheet dated XXXX/XXXX/2015 showed Discount point fee of {$1500.00}. 

4. On XXXX/XXXX/2015 closing, actual fee was {$2800.00}. 

Although BOA loan officer repeatedly advised me he will waive any penalties or fees, I paid {$2800.00} at the closing, and as of today, I have not received the refund check or further explanation from anyone. I hereby demand Bank of America to give me full refund of {$2800.00}. 

Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I found 13 unauthorized ATM transactions on my Netspend online account review. Please note that every transaction listed happened while I was at work with the only card on the account in my wallet. I will list them all so you have history. I will not agree with their findings and filed a police report and was assigned a detective. 

Posted XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX $ XXXX Bal Inq Credited $ XXXX w/d Credited XXXX XXXX $ XXXX atm fee Credited Posted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX $ XXXX Bal Inq Credited $ XXXX w/d $ XXXX atm fee $ XXXX Bal Inq Credited $ XXXX w/d $ XXXX atm fee $ XXXX w/d $ XXXX atm fee $ XXXX w/d XXXXXXXX XXXX $ XXXX atm fee The total not credited is {$910.00}. I filed a dispute with Netspend and they have determined that they find no errors with the activity based on the PIN used and previous transaction history. I have a detective trying to obtain a search warrant for atm video but XXXX XXXX is requesting the card number used to obtain the search warrant and Netspend will not release the card number issued to me stating that I need to have legal counsel contact their legal department for that. After over a month of contesting their findings and pleading my case they have closed the dispute and I am still out {$910.00} that was fraudulently taken from my account. 

Please contact me with any futher information you may need. 

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 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
( 2 ) XXXX XXXX XXXX Account XXXX Is reporting I had ( 2 ) day lates which is not accurate I asked the credit bureaus to verify and they did not

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 2016-08-06
Company: Alliance One, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I was charged XXXX for a fine I should nt owe because of the other collection agency did n't Honor there paper work. So iv been paying at least {$1000.00} over the amount I was so posed to pay.Then I was charged for atleast XXXX extra charges because of the failed paperwork that was due by them. I feel exhaust XXXX and Frustrated and I 'm tired of paying XXXX county, wa over and over for the same thing 's when I payed, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: NC
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:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax 1 XXXX  - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I went to XXXX University in which they were found guilty of fraud now I owe XXXX for nothing. Now I owe so much money they took advantage of me knowing that they were commiting fraud. I just do not understand why do I have to pay all of this back when I was unable to graduate because of life issues. They over charged on everything knowing what they were commiting fraud.

Company response to consumer: Closed with explanation