BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Hello I attended XXXX in XXXX Florida for XXXX XXXX years. While attending school I received student loans and a few pell grants. I was told that as long as I was attending school my loans were not due and no interest would be added. After graduation and trying to find a job in my field I started getting letters stating I was behind in my payments. I tried on numerous occasions to call and get help with this matter. I asked could they defer my payments and I was told yes only later to find out that did n't happen and the interest was getting higher. I have called and called over the last few years to only get told there 's nothing to be done. This is not right and I will continue to call and seek justice because I have did all I know to do to try and fix this issue. I wil continue sending in complaints and calling until this matter is resolved. I asked about income based repayment and was denied because I did n't qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Eos cca took down the wrong bank account and or routing number for payments that I agreed to pay to XXXX XXXX. It was their mistake and when they said the payment didnt go through they reported it to the credit agency. They did not offer me the option to use a debit or credit card in the times they contacted me. They probably didnt want to pay the fees. As of XXXX21 XXXX XXXX is showing a zero 0 balance on this account yet they called me today and said I owe both payments. I understand that it can take up to 30 days for bank payments to clear. A payment was arranged for XXXX21 was my recollection. Eos cca called me again on XXXX-21. My bank XXXX show no returned checks to cca eos. The approximate amounts were {$310.00} each ie 2 payments on or about XXXX-21 and or XXXX21. This company also tried to get a higher settlement payment from me at first. It was only after they had the wrong account number and or routing number that they took down erroneously from me that they offered me a lower settlement amount. When the first payment didnt go through due to their error I disputed it with a credit bureau as the mistake was theirs not mine. Their repeated phone calls for their mistakes are harassment. XXXX XXXX  is showing the account paid off as of XXXX-21 and my bank shows no returned checks to eos cca.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Stellar Recovery, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX  put my account into collections after I was forced to close the account due to multiple billing errors and service issues. Was told several times remaining amount {$88.00} would be waived due to inconvenience and in show of good faith. Then after finding out later that indeed had not taken place and account was now in collections I called several times to try to resolve this with customer care but was told it was out of their hands. Then after a period of time interest occurred resulting in current amounted. My credit was completely ruined by this error and I am highly upset by the broken promise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In  XX/XX/XXXX   I was in process of planning a relocation from  XXXX ,  XXXX  to  XXXX ,   XXXX   for a new job. At that time my car insurance was with  XXXX   XXXX . I decided after inquiring to cancel  XXXX   XXXX  insurance in   XX/XX/XXXX  d ue to rate increase moving to   XXXX   to go with another insurance company.  XXXX   XXXX  processed a cancellation credit to my account on   XX/XX/XXXX .  The company then sent me a bill for {$170.00} i n  XX/XX/XXXX . I inquired as to what the amount was for and after being explained what this was for I paid the {$170.00} on XX/XX/XXXX .      In   XX/XX/XXXX , I rec eived a collection notice from Credit Collection Services  XXXX   XXXX   XXXX ,  XXXX , MA  XXXX . This notice was to collect a debt for  XXXX   XXXX  Policy number  XXXX . I immediately contact this company and informed them that they were mistaken this mater was paid, and sent them a copy of the bank statement showing the payment taken out of my account on     XX/XX/XXXX . They informed me that they would investigate and get back too me. I had not heard anything else from them so I assumed the matter was closed, until I received another notice on  XX/XX/XXXX   stating the same thing.     I contact   XXXX   XXXX   who informed me that they do not know how this was turned over and the sent me a statement showing the same policy number  XXXX  showing the amount paid on the date I showed this collection company. I faxed all this information to Credit Collection Services on   XX/XX/XXXX . On  XX/XX/XXXX , this company sent me notice that my documentation was not sufficient o r applicable to adjust my account with them. They are still trying to collect on a debt that is not owed. They are continuing to harass me and damage m y credit score a nd I do not think this is right, when I have and do pay my bills on time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 haved a mixed file on my transunion credit report  XXXX  bankruptcy

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 2016-03-12
Company: CITIBANK, N.A.
State: OK
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX, XXXX, I mailed the following to Fraud Claims Department, AT & T Universal Card, XXXX XXXX, XXXX XXXX, XXXX XXXX. As of today I have never received an acknowledgement or a response to my letter and claim. 
I was instructed by Customer Service to mail in the details of the charges that I am disputing as fraud. Please find enclosed a list of all charges that I am disputing. I have never conducted business with XXXX XXXX XXXX. This charge took place more than two hours from where I live in XXXX, XXXX. 
I did not initially identify this transaction as fraud because I am XXXX and XXXX. I, therefore, require assistance. Unfortunately, I only did a cursory review of my statements and obviously not a detailed and thorough analysis because of the medical conditions that I was experiencing at the time. 
I was unaware of the extent of the fraudulent charges especially since I was using the card at the same time and my primary method of reviewing the statements was by phone and not all of the relevant information was available to me, such as the city where the charges were made. Furthermore, my bill was due and I wanted to avoid late charges and extra interest and to maintain the good standing of my account. 
I am certain this transaction is fraudulent. I had to provide an agency with the last twelve months of statements. The agency was only concerned with charges relevant to them. As I was omitting non-relevant charges I discovered a fraudulent charge in XXXX, XXXX, on a different credit card from a company I had never heard of. This prompted me to examine all of my past records/statements for all my credit cards. With assistance and hours of close examination of all my statements I discovered charges for XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX ( charges to a utility company that I had never had an account with, done business with, nor resided in that city ).

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 2017-05-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery Associates  has placed a derogatory mark on my Credit Report without mailing me any information about this alleged debt. I have made numerous attempts to contact them to resolve this, Including several phone calls to several of their offices as well as over  10 letters sent via USPS.      When I call in and try to get more information regarding this account, I am transferred to numerous different people in different positions of the company, Including  2 dif ferent " Operations Managers ''. I have even tried to reach out to th eir Compliance officer via  mail to no avail.     After making no progress with phone calls, and no replies to any of my letters, I am forced to get the BBB and the CFPB involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Colony Brands, Inc.
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
The situation is about a company named Seventh Avenue. I did open an account with this company in XXXX. I received the the products which were window curtains. I did n't like them and I return them back to the company. I did not get any thing else for this company. This company later charged me a shipping charge which I do n't think I should pay nor should they have put this on my credit report. I have written a letter to this company that I dispute the account and wanted to be shown proof of the account. They never did response with proof. I had also written them a letter about paying the {$20.00} balance in exchange for them to delete the entry from all my credit reports, XXXX XXXX, XXXX, and XXXX. I have not heard nothing from yet. Anyway they have boken the fcra law because they never applied the statement the consumer disputed the account. I looked at my credit report on the XXXX/XXXX/2017 and the statement is not there. I want the entry deleted immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
PLEASE REVIEW MY DECLARATION PARTS 1 AND 2 THAT SUPPORT ALL THE WRONG DOING BY THE BANKS AND THEIR ATTORNEY 'S. 
We Rescinded our Mortgage in XXXX twice and once in XXXX. US Bank has ignored the notice of rescission 's. Also their has been extreme ROBO signing confirmed by XXXX courts against the banks in an their efforts to take possession of our property. The courts ruled in XXXX in our favor vacating a Summary Judgment Order finding that there was no valid Substitiution of Trustee Presented to the Court. 
Again in XXXX the Court issued a Judgment in favor of the defendants in the XXXX Unlawful Detainer file by the Bank. 
Pending now for trial is yet a XXXX Unlawful Detainer Complaint filed by the Bank set to go to trial on XXXX XXXX, XXXX. 
I URGE YOUR IMMEDIATE ATTENTION, PLEASE.

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 2017-05-08
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Without notice,  XXXX   XXXX  sold my mortgage to a company calle d Loancare. Thus far I have had an impossible time making payments, as though they want me to defa ult on my loan! Despite having setup auto pay and schedule d one time payments none of them are being applied! Despite their " website '' stating otherwis e. Customer agents have no clue as to what the status of my payments are as they use the exact same poorly designed and outdated " website ''.     This company has no business handling my loan and their actions are bordering on discriminatory as I am a  XXXX  American and this issues are causing me great distress!

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 2015-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Billing statement

Complaint:
I have XXXX promotional balance transfers on this account, but in the " Interest Charge Calculation '' section, where it reflects the APR ( all 0 % ) and end date of each transfer, there is no balance in the column " Balance Subject to Interest Rate, '' even though there is a balance on the card. I think this amounts to unfair credit practices, and prevents the consumer from being able to accurately track where payments are being applied/having a paper-trail reflecting this information. It also prevents a consumer from being able to know the balance that needs to be paid off before the promotion expires - without making a phone call to the bank to get the information. Therefore, the bank is setting up a situation where a consumer could unknowingly let a promotion expire without having paid off the related balance and then be charged interest on the remaining balance after expiration. It also prevents proper planning on the part of the consumer to ensure that the balance is paid before expiration of the promotion. 

The bank has also, in the past ( XXXX 2015 ), charged me a minimum interest charge ( related to a membership fee ) - but never reflected the amount of that membership fee as an amount subject to interest. This prevents the consumer from having an accurate picture of his financial situation, and means the interest will continue to accrue because the consumer can not see the balance subject to interest that would need to be paid off in order to avoid interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America failed to disclose proper documents as to the proper owner of my home. Bank of America also did not allow another modification due to a previous modification within 24 months. I was told I could not appeal and had to start the RMA process all over again and the only option was to short sell. Bank of America had incorrect information from the creditors and the amount for my mortgage was calculated higher, leaving me with a denied application. I have also submitted at summary judgement against Bank of America. My home was sent to foreclosure in the courts by the attorneys of Bank of America. I do not feel Bank of America is doing everything to help me save my home.

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 2016-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Since Bank of America caused to be recorded the XXXX XXXX, 2016 Notice of Default ( NOD ) and Election to Sell with California Declaration and a separate Substitution of Trustee I have had to fend off all manner of folks coming to my home, sending a multitude of unsolicited junk mail, and telephone solicitation contact all related to the bankruptcy, foreclosure and real estate industries. I have has to take steps to prevent these people including, but not limited to, Bank of America representatives, from harassing me, trespassing upon my property, invading my home and life. I have even had mail addressed to persons affiliated with the banking and real estate industries with my home address and their name to portray and seem as if they actually reside in my home as early XXXX 2016. It does n't seem to matter one bit to these folks that the NOD was executed in error.

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 2022-04-16
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My interest rate is still at 6.5 % while the federal funds rate is near XXXX. This is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/21 I tried to access an amount of money owed to me thru PayPal. I have done business thru PayPal for 2 years, and have paid PayPal with a Credit Card ( they have on file ), and have received funds due me via a check from PayPal. In attempting to get a check for {$55.00} in my PayPal account, the site would not allow me get a check, I then called PayPal customer service and was told I needed to give PayPal a Bank Name and Bank Account #, I asked why as I had always received a check ( which PayPal attached a service charge to ), the representative said that it was still needed to send me a check, I asked to speak to speak to a supervisor, who said the same. I refuse to give PayPal this sensitive info, especially since I never had to do this prior, as well as PayPal has been hacked at least once, and I have had 10 " phishing '' emails regarding purchases at PayPal, which I reported to PayPal. I was told the only other way was to get a PayPal Debit card, which of course has service charges! 

I then filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX ( see attached ) on XX/XX/21. The XXXX received a response from PayPal and XXXX emailed me resolution on XX/XX/21, in which PayPal admitted their error. I then emailed PayPal asking for disposition, to which a person by the name of " XXXX '' a PayPal Customer Service Manager emailed stating I should have my funds by XX/XX/21. On XX/XX/21 I emailed the PayPal Executive Office regarding disposition and to this date ( XX/XX/21 ) have received no response. Well the mail has already been delivered today ( XX/XX/21 ) and still NO check!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: Kimball, Tirey & St. John LLP
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection Company sends me repeated mail and asking me to pay debt which was canceled by original creditor. This Debt was regards to move out disposition from one of the apartment I lived in past. Either of collection agency or original creditor ready to resolve the dispute ( s ) i raised against reported debt. Also there were many errors and false claims on the debt. 
Even after repeated request to collection agency, they could n't produce bills or any supporting document for their stand on this debt ( except the disposition letter sent by original collector ) .Recently the original creditor confirmed that they cancelled all my debt. But collection agency refused to stop contacting me for the debt which i do n't owe as of now, they are negotiating with me to pay some amount which is 40-50 % of debt without any reason. It was also reported to my credit report that impacts my standing negatively. 
I disputed on my credit report to credit bureaus, but none of them helps and I was told to agree with negotiation by one of credit bureau and have n't got any responses from other credit bureaus on this matter. My original creditor refused to send me any confirmation on the cancelation as there were management changes on their side. 
I was deeply disappointed with way this matter was handled by credit bureaus, collection agency and my original creditor. I need some help in this matter to get rid of repeated attempts from collection agency for debt which I do not owe and to get rid of any negative impact it creates on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I had a Capital One Bank Account for several years. I opened a standard checking account for my military direct deposit. Two years after opening the account I got XXXX to XXXX from XXXX to XXXX. While overseas I had my direct deposit changed from my Capital One account to a more interest earning account with a different financial institution. I left my capital one account still open with a balance of {$1600.00}. Several months after returning from overseas I discovered that my account information was compromised somehow and over drafted - {$570.00} and closed. I attempted to notify the bank that there had been fraudulent transactions that took place and they stated my card was used and transactions brought my balance to - {$70.00}. The other {$500.00} was overdraft fees. They then refused to commit a proper investigation because i was too late to report. I notified capital one that I was overseas and had all paperwork INCLUDING my military orders that sent me to XXXX while transactions from multiple states in the US were taking place but they seemed to not understand to the military community. They have since then ruined my XXXX record and as a result am unable to open a bank account with any bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: LEXISNEXIS
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
My husband and I have auto insurance coverage with XXXX for over a year. Today I received a notification from XXXX stating my husband can no longer be under the insurance because of a recent information received by LexisNexis Consumer Center. The information received was XXXX happened XX/XX/XXXX and removed by judge in court on XXXX.

Company response to consumer: Closed with explanation