BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am in Foreclosure with a Sale date scheduled for Tuesday XXXX/XXXX/16. BOA instructed my Realtor XXXX XXXX to upload documents to equator as well as fax to begin the Short Sale process. The documents were faxed to BOA on Tuesday XXXX/XXXX/16. XXXX has attempted to upload information in the equator system but BOA has NOT set up the file as promised. I am concerned that as in the past BOA will run out the clock and cause us of filing late when we have been trying.

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 2016-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America Merchant Services applied a {$20.00} charge to my account for XXXX, a service I did not request nor desire. When I inquired, I was told that it was " opt out, '' and I was given a phone number to call. The charge made my account overdraft. I believe that applying a fee without " opt in '' permission should have been illegal. I was told on XXXX/XXXX/16 that I received a notification about the impending charge, and that I should have responded to the notification. To me, that 's bogus. I believe Bank of America is defrauding customers. All such unrequested charges should be " opt in. '' Customers should not have to read the fine print of every notification to avoid having a bank XXXX money out of their accounts. Since I did not formally allow such a debit -- which would have been monthly -- this was an unauthorized withdrawal.

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 2017-01-25
Company: Navient Solutions, LLC.
State: NJ
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:
Not once not twice but three times our loan was applied to the wrong account, I was charged a late fee, I called and spoke to someone and was assured that everything would be taken care of and again another late fee because the loan was applied incorrectly - it 's bad enough they charge what they do and when we tried to ask about setting up different payment options we were told we could not. The interest rate alone is killing us - the debt is over XXXX and we give our hard earned money to this organization and they fumble with, heck yeah I am very aggravated with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX, at XXXX, I spoke with XXXX XXXX of A Bank of America. I informed him that on XXXX my bank XXXX, which a State XXXX Check for California Workman 's Compensation in the amount of {$2100.00} was the subject of a Levy in New York. The Bank Account and local branch are in California. The Levy is {$1100.00}, drawing from the State of California Social Security Funds. In the Court of Appeal of the State of California ; XXXX XXXX XXXX XXXX ( XXXX XXXX County XXXX. XXXX No XXXX ) In Accordance with XXXX XXXX XXXX XXXX Bank XXXX. This action by Bank of America includes causes of action for intentional and negligent misrepresentation, intentional infliction of emotional distress, unlawful levy against Social Security benefit payments ( Code Civ. 704.080 ), the violation of the Consumer Legal Remedies Act ( CLRA ) ( Civ. Code, 1750 et seq. ) the Unfair Competition Law ( UCL ) ( Bus. & Prof. Code, 17200 et seq. ) and the False Advertising Act ( FAA ) ( Bus. & Prof. Code, 17500 et seq. ) The misrepresentation-based claims are based on XXXX alleged misrepresentations by the Bank : ( 1 ) that funds directly deposited California Workman 's Compensation Check would be safe, secure and instantly available to account holders ; and ( 2 ) that the Bank had the right to use XXXX benefits to cover overdrafts and insufficient ( NSF ) charges. The Bank Representative or Bank of America has refused to return any of these funds since the Levy on XXXX or provide any exemption forms to myself. Calls were made on at least XXXX prior times requesting the compliance of State and Federal Law. According to the Bank Representative XXXX this will take 5-7 working days to investigate this claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
We were almost in default with XXXX/Navient. In XXXX 2015 we entered into a 15 month repayment program of XXXX which would cover our loans ( when they were XXXX XXXX ) and we got shifted to Navient. Phone calls went away, come XXXX once Navient took over they said we broke that agreement we had, have ever cancelled auto check on the agreed upon date. Then they told me we were not paying enough, in XXXX when the switch happened they took what our XXXX loans of XXXX were and doubled them and then some. So since XXXX I have received over XXXX phone calls from XXXX different numbers, even after XXXX. It is not only tiresome but straight up vile. When I call to talk to them they wo n't speak with me till I pay off the XXXX + that I am supposedly behind. Back in XXXX I was able to speak with XXXX rep, and she told me I asked for the payment increase. I said show me that in writing or tape or whatever, it never came as I never asked for it. I am fed up and ca n't take the repeated XXXX phone calls 7 days a week from XXXX ( automated ), XXXX XXXX or XXXX XXXX. So since I refuse to pay money on fees, etc they are jacking my loan towards the roof, over XXXX in the last 7 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I have had issues with my account balances with Bank Of America related to issues of reported Identity theft. This has caused my balances to be improperly doubled and as a result the accounts I possess are locked out. 
Attempts to contact Bank of America in writing to resolve this issue are fruitless and I would like this office to assist me in getting my accounts unlocked =and corrected so I can restart my business life over again

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-08-06
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
The representatives get attitudes with you about your account especially if you are unable to pay at the time of the call. I think it 's illegal for the company to " search '' through names of people in the family when they are not on the reference list to contact harassing and getting attitudes with them. Even though they say they are willing to work with the customer, they are n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/XX/XX/2015 A customer paid a bill at my repair shop in the amount of {$1200.00}. On XXXX/XXXX/XX/XX/XXXX the charge was reversed " taken from my account '' - {$1200.00}. I called Bank of America that day to inquire as to why. I was told that I was sent a letter to dispute the charges if I desired. I did not recieve any notification of any kind, e mail, letter or phone call regarding the potential charge back. I was told I had to pursue this issue with the customer. I have had no success with this. I did recieve a letter from the customers bank card company informing me that the dispute time had passed. I respectfully request that Bank of America return the {$1200.00} Immediately as I had no notice or opportunity to dispute the charge back. 
XXXX XXXX XXXX of XXXX XXXX Bank of America customer since XX/XX/XXXX. 
Phone XXXX Address XXXX XXXX XXXX XXXX XXXX, Wa XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-06
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This was the best choice for my situation. I have a complaint against a company called Central Control Finance also know as Syndicated office systems which is a collection agency who collected on a debt of mines which was a medical bill I never received any notice of, not even from the hospital because it was sent to a different address than where I resided. I only found out about the debt when it was placed on my credit report and there was contact information to speak with someone. After speaking with someone I resolved the debt with no problem. I requested for it to be removed from my credit reports because I was never properly contacted by anyone about the debt. They told me I could submit a dispute and I did just that with all proper documentation to prove to them I did not live where they had ( they claim ) sent a notice of the debt. They denied my request even after providing proper evidence. This was about a year ago. I felt like it was unfair that I had to have something on my credit that I did not receive notice for and not given a chance to resolve something as little as {$150.00} that would follow me for 7yrs. I recently reached back out to them to resubmit my dispute because one of the reps there even said that she can see that I was never contacted my phone as well and suggest that I submit my request again by fax which she provided on XXXX XXXX, 2016. It was denied again even with proper documentation. I would like someone to please reach out to them to have this item removed from all XXXX of my credit reports so I can move on in life. I paid them and held myself accountable, so I would like them to hold themselves accountable for not providing me with a notice. After I had this issue I decided to research this company only to find out they had just been involved in a lawsuit because they were not properly notifying consumers of their debts that 's what led me to send this complaint because I figured if they had to be sued, they were not going to be any help to me since they had n't been to others in the past. Thanks for your prompt attention in this matter.

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 2015-06-04
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have an active account with XXXX. I have been with them for XXXX years. Recently, I cancelled my phone services because they charged me huge amount on long distance call when I did notify me of a promotion extension. I called them and them told me I owe {$270.00}. I made payment arrangements with them. 

About XXXX weeks ago, I got a call from credit control corporation about the same debt. I informed them that they were not valid debt and XXXX had advise me to make the payments with them directly. Another representative called me on the XXXX and I told her the same and she said that 's okay, she will go ahead and update the account accordingly. 

On XXXX/XXXX/2015, I got an alert in the evening that it has been reported on my account by Credit control Corporation after I made payment to cox in the Morning. Attached is a proof of my receipt from XXXX for the payment. 

First, of all, I disputed this charge with credit control corporation XXXX on the phone and requested that they send me something in writing. Informed them that XXXX has told me to make the payment with XXXX directly and did not even know why they had my file. Yet they still went ahead and placed this on my credit dropping my score from XXXX to XXXX. I am in the middle of buying a house and I am not sure on how this will impact my final closure or rate. 

I called them after their illegal action. They told me I need to pay a collection fee of {$45.00} and extra {$7.00} processing fee, even though they did not collect anything and I made the payment of XXXX to XXXX. XXXX told me they have requested the account to be transferred to them direct. As a proof, I went ahead to pay them the collection fee as evidence of their bad practices. 

I called XXXX and asked them why did they tell me they have no knowledge of my account being sent to the collection agency when I contact them to let them know about the initial attempt and they also advised me to ignore the collection agency and make payments with them and failed to communicate this with the Agency. 

This has affected my credit and I need them to be held responsible for this! 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( M ) XXXX ( O ) XXXX ( F ) XXXX XXXX XXXX, XXXX Ext. XXXXXXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-29
Company: Oracle Financial Group LLC.
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
My daughter received a phone call today from a XXXX XXXX, Oracle Financial XXXX ext. XXXX, stating he was looking for my other daughter, the alleged debtor. He disclosed how much the debt was, where it originated from and made threatening comments such as : " We are going to seize her tax refund '' " We are investigating her for criminal fraud '' " We know where she lives and are sending someone to serve her '' " We know where she works and are angry with them '' " We are taking you to court for fraud '' I called the company and spoke with XXXX, letting him know he was violating debt collection laws. He stated he did not have time for games and refused to acknowledge his illegal actions. He demanded to know where my daughter was. He refused to provide his last name and hung up on me. I called back and spoke with him again and he hung up on me. I called back a third time and spoke with someone in compliance and was told his name was XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-12
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
CCC sent me a letter dated XX/XX/2016, but received on XX/XX/XXXX about an alleged debt. I immediately sent a DV letter on XX/XX/XXXX requestion validation for this alleged debt. The company failed to respond to my debt validation letter, but proceeded to place one of the accounts on my credit report in early XXXX. Once I realized this, I sent a second letter stating that this item should be removed from credit file until I receive the validation I requested. This letter, too, went ignored. As of today, XX/XX/XXXX, this item is still on my credit report and the credit bureaus have told me that they can not remove it because they do not handle non validations. Besides, failing to validate the alleged company ... it shows that the company had the alleged debt since XXXX and waited until XXXX, nearly two months later to contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my  personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2016-07-21
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I sent a letter to Amsher asking that they remove their unauthorized collection from my account. I received a letter back saying that they would delete this on all XXXX bureaus. The first letter I sent was on XXXX/XXXX/16 and it is not XX/XX/XXXX16.They have yet to remove anything from the bureaus. They are still reporting on my credit and therefore damaging it and my financial life.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: PINNACLE RECOVERY, INC.
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:
Pinnacle Recovery Inc. of XXXX XXXX XXXX, XXXX, CA XXXX, keeps sending me and my wife fraudulent notices of a debt that they ( Pinnacle Recovery ) are attempting to collect on behalf of XXXX XXXX XXXX. 

This mail fraud, identity theft and debt collection has escalated to the extent that a representative called our XXXX XXXX country landline home phone trying to make arrangements to collect a debt of {$1100.00} ( USD ) via Credit Card payment. 

My Wife and I have never transacted any business with XXXX XXXX XXXX We would very much like this harassment and fraudulent practice to cease and desist. It is all a scam, a sham, fraudulent, vexatious, tenuous and disgustingly opportunistic. Thanks in advance CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Selene Finance is knowingly currently engaging in the prohibited practice of dual-tracking while I 'm actively applying for and being considered for a loan modification and also failing to respond to my mortgage loan requests pursuant PART 1024 -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart C -- Mortgage Servicing CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: Amsher Collection Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We believe this is a fraudulent cell phone account opened in my name. We sent a letter copied from the CFPB web site and requested all information related to this supposed debt. The letter was sent certified mail, return receipt, and was signed for on XXXX/XXXX/15. We asked for them to cease all contact until the requested information was supplied. To date, we still receive multiple calls/day on multiple numbers ( home, personal cell, etc ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: Waterfall Revenue Group
State: DE
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Billing agency sent claim/bill to the wrong insurance company. All correspondence to me regarding this matter went to a previous address. Did n't have any knowledge of mishap until I checked my XXXX account. My insurance company advised me to have original billing agency re-submit the claim/ bill for payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: Berlin-Wheeler, Inc. (Kansas)
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Berlin Wheeler is repeatedly calling me on my cell phone and my work phone. I feel they are being threatening and they are violating the FDCPA as I have told them repeatedly that they can not call me at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation