BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-28
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I send the company a Cease and Desist and they have continued to call me afterwards. I understand that Amsher Collection agency can call once to advise me that they received my Cease and Desist however they have called more than once. Some man left a message stating that I need to pay XXXX today, that is XXXX party disclosure, anyone could have heard that message. Also, I current on all account in which the balance is greater than XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: ACS Education Services
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
My student loans were " bought '' and have been serviced for several years by ACS. I have had some concerns dating back several years about the way in which large lump sum payments were applied to the account. I participated in XXXX and applied those funds to my student loan, but was told by ACS that this would not reduce the principle balance but would just apply to future payments. I do n't really trust the accounting and have made several requests for a detailed statement from the time they began servicing the loan, so I can audit the account. Despite several requests I have yet to receive a statement, and can see that others have similar complaints. They sent me a statement on an incorrect account that was not detailed and have told me more than once that they mailed a statement but I have not received anything. To summarize, I want to audit this account and have requested a detailed statement that will allow a detailed financial audit and this has not been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I already sent a validation of debt and creditor letter to these accounts which are violating my federally protected consumer rights. XXXX XXXX [ XXXX and XXXX XXXX, XXXX  XXXX XXXX XXXX [ XXXX and XXXX ] XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX [ XXXX and XXXX ] XXXX XXXX XXXX, XXXX XXXX XXXX. Under the Fair Credit Reporting Act and HIPAA Privacy Rule, these accounts listed above have violated my rights. According to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Especially this account XXXX XXXX it is inaccurate and appears multiple times in my account.

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 2016-01-08
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Navient continually calls and sends mail harassing me despite the fact that I have advised them in writing and via telephone that I am represented by an attorney. I am a XXXX individual and wish for the harassment to cease. They have repeatedly argued with me and badgered me via telephone despite the fact that I have told them I am unemployed and can not pay. I attempted to make payments several times and despite the fact that they said they would not, they still turned by account over for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
According to a letter I received by Bank of America dated XX/XX/2014 it states : " we may not have provided you with the level of service you deserve, and are providing you this check. There is nothing you need to do other than cash the check '' I received XXXX checks in the sum of {$6100.00}. 

My curiosity wondered what 's this money for? and why is the letter vague with no calculations?, just a simple " There is nothing you need to do other than cash the check '' So where did this money come from?, what tax and accounting implications have been created by Bank of America are involved?

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 2016-12-02
Company: Wilber and Associates, P.C.
State: SD
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
* XX/XX/2016. i got into a car accident. 
*I was in my mothers car. my mother did have insurance with wind haven. i was not on her insurance. 
*I was at fault. 
*6 months later ( XX/XX/XXXX ) i received a letter from " XXXX subrogation Department ''. 
*That letter stated " YOU ARE LIABLE FOR PAYMENTS THAT XXXX MADE TO ITS POLICYHOLDER AS A RESULT OF THE LOSS. THE DAMAGES ARE {$7800.00} '' * On XX/XX/2016. i got a call from " wilber & associates '' * The case number they had on file was the same as the one on the letter from " XXXX ''. 
* This company told me that i no longer owe the {$7800.00}. now its SUDDENLY {$120000.00}. 
*They told me that if i do n't pay {$250.00} a month starting this month that they would get my FL drivers license suspended. and that if i did n't start those payments that they would not allow me later on to negotiate a payment plan. 
* I NEVER got mail from them before this phone call. 
*I told them that i would not make payments until they mailed me proof that i owe that amount. 
* They then got Mad, were very rude, practically Threatened to ruin my MILITARY career, spoke over me, then hung up the phone. 
* After several attempts they sent me their " proof '' for some of the debts. MOST of the proof were mearly Estimates of the damages. 
* Heres what they 're charging me -total loss XXXX : {$9100.00} - Net salvage : - {$1600.00} -Rental Reimbursement : {$230.00} -XXXX : {$4700.00}. 

They sent me paperwork for everything EXCEPT the XXXX, they refuse to show me any type of proof of where those {$4700.00} were even spent on. no proof at all that the other people involved even went to the hospital for any type of injuries. the person handling my claim even told me that i am a " NOBODY '' and that i have NO right to see proof of that paperwork. he also told me that they DONT have that paperwork which I 'm sure they do n't, but at the same time he said that the other person involved had a XXXX. contradicting himself. 
*i have explained MULTIPLE times to them that i have no problem paying as long as there is accurate paperwork to support their claims. 
* the police report says that there were NO INJURIES!

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 2017-03-21
Company: Navient Solutions, LLC.
State: MD
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 have submitted a loan discharge application due to school closure ( XXXX college, XXXX ) on XXXX different occasions over the past 6 months and can not receive an response. XXXX : application sent by XXXX mail XXXX : application sent via XXXX and uploaded onto Navient website. XXXX : application sent via XXXX. These loans should be forgiven due to the fact that the school closed while in attenadance. I have made many efforts to begin the process by following instructions given to be my navient, yet I still have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
NC State Employees Credit Union1 ) Allowed an unauthorized person, not on my personal checking account, to access and spend my solely-held checking account funds. 
And/Or2 ) Used my personal solely-held checking account as an unauthorized overdraft for an account held by another person. 

NC SECU refuses to remedy the damage done to my account, and insists that it is on me to reclaim my funds from the unauthorized party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My checking account information with Bank of America was taken by thief 's. The thief 's began to present unauthorized and unsigned checks to BofA against the account. Once we identified what was happening we met with a bank representative in the branch office and withdrew all the remaining cash from the account and confirmed the overdraft protection would be turned off so that any future checks presented on the account would be returned non-sufficient funds. We then made an appointment to come back next week to close out the account. When we came to close the account we were informed the thief 's had presented additional checks and they were honored AND we had additional overdraft fees as a result. BofA informed us that we could not close out the account because the account was now in a negative balance ( due to the checks that were honored and the overdraft fees ). They informed us that unless we pay them {$450.00} they will continue to assess fees, continue to honor bogus checks, and pursue the balance including assigning this to a collection agency.

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 2016-10-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was a victim if identity theft and bank account take over from XXXX. I filed on all XXXX credit bureaus a freeze and fraud alert in XXXX. Equifax is trying to tell me the alerts have just been put on there XXXX. Obviously not true. I have a credit report from XXXX that clearly states when the report was put on all XXXX Equifax continues to state the freeze was not put on there until XXXX. Why would I put an alert on there in XXXX when I have n't used credit since XXXX. However, negative inaccurate information keeps popping up from XXXX. I call almost everyday and get told different things and I also keep getting told these negative accounts will be removed on certain days. This keeps getting prolonged. I have the documentation when I began disputing the inaccuracies. The first XXXX was XXXX XXXX, XXXX. I spoke to a woman named XXXX who would not give me her employee number. She again lied and told me the freeze was not on the credit until XXXX. I also provided them with XXXX complete police reports, certified letters sent to the companies that are reporting inaccurately, a notarized FTC statement along with a letter. According to the fair credit reporting act, negative information is supposed to be blocked out when proof is provided that is is the result of identity theft. I have spoken to the Attorney General and FTC. They have told me that Equifax is not in compliance and based on the statue could be held negligent for not removing and blocking the information. Evidently, this company has not responded in over 30 days. I have been made to wait almost 90 days and they refuse to delete the item. Any time I send in further evidence, they start a new investigation prolonging the current XXXX. I told them I felt they were doing this intentionally. The representatives lie and are very rude and unwilling to help. I have not utilized credit since XXXX. Equifax is also not following the statues put in place to protect identity theft victims from this sort of thing. Equifax has blocked me out of reviewing the status of the disputes and on the telephone, the representative told me I would have to wait for the mail to see what has been updated. I am sending in a complete package with all of the violations and all of the times I requested this to be deleted. You will see it began in the first week of XXXX XXXX. Equifax is intentionally causing these issues. I told them I needed to repair my credit in hopes of qualifying for a housing program for my children and mother. I have been told so many dates that the investigation would be complete. Equifax is lying. With the documents sent, Equifax is supposed to follow the statues. They are not. The bottom line is they are lying and they need to correct my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRUIST FINANCIAL CORPORATION
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have fraudulent hard inquiries on my XXXX report that need to be removed immediately. They are as follows : XXXX XXXX inquired XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX SUNTRUST XXXX XXXX  inquired XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX XXXXXXXX XXXX XXXX inquired XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX XXXX inquired XX/XX/XXXX XXXX inquired XX/XX/XXXX XXXX inquired XX/XX/XXXX XXXX  inquired XX/XX/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 2015-11-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed a collection account with equifax like I did with transunion and experian, and unlike those XXXX credit bureaus who deleted the collection account, equifax did not properly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX XXXX, 2016, I deposited via ATM a Cashier 's Check from a local bank to my Bank of America checking account. I received a receipt allowing immediate access to {$200.00} and the balance held pending posting of the deposit. I then paid expenses within the limit from the checking account. Those payments were honored by the bank. Much later that evening, BOA then placed a hold on the entire amount of the Cashier 's Check for 10 days, thus reversing the honored items and charging overdraft fees. As required by their policy, they gave no notice of doing so until XXXX on XXXX XXXX, 2016. The bank was closed on XXXX/XXXX/16. I went to the nearest branch on the morning of XX/XX/2016 and met with a banking officer to be told they may have felt the " Cashier 's Check '' may have been dishonored by the issuing bank. There was nothing they could do until he could call the issuing bank to confirm they will honor the " Cashier 's Check ''. Then on XXXX XXXX, 2016 at XXXX I received an e-mail from BOA providing a link to their notice of a hold being placed on the entire amount of the " Cashier 's Check ''. That link connected to a letter dated XXXX XXXX, 2016 to me the reason for the hold, " A hold was placed on your check ( s ) because check specific information indicates item may be returned. '' My account remains " overdrawn '' and no funds available to me for medical and living expense. My wife and I, both over XXXX, exist on our Social Security payments and BOA has inflicted severe stress upon us.

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 2016-04-07
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 get flexible payment options

Complaint:
I received a letter and payment coupons from Navient in reference to student loans for the first time this month. I never heard of the company and never had any contact with them prior ( had to research the company ). They stated I had a loan disbursement dated XXXX/XXXX/XXXX ( see the attached document ). I am not sure how that is possible because I did not apply for a loan in XX/XX/XXXX. There was no letter advising on the history of the loan ( how it originated and with whom ). I can not validate this is my loan but I am expected to start payments XXXX/XXXX/XXXX. This is not acceptable. Also the amount expected to be paid is too high and I can not afford it since I recently came out of Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Deposited check from XXXX to Bank of America checking account. Bank of America initially said it would clear all funds in 2 days. Used debit to pay after 2 days and was hit with {$35.00} fee for bounced check and another {$35.00} fee for being overdrawn. New update that same day from BOA chat rep said that the check from XXXX XXXX was being held for 5 days for my protection. They lied upfront on the delay and then extendeded delay in depositing that money from XXXX XXXX to INTENTIONALLY incur fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been unemployed and have been receiving harassing phone calls constantly ever since I could n't pay. I attempted to start a payment plan on what I could currently afford and was refused because they did n't consider it enough. I requested the phone calls to stop and they refused stating they could call and harass me XXXX times a day by law. I know I can request a stop in calls but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Continues to place calls to me at my place of employment although I have asked repeatedly not to. I spoke with a manager XXXX this time who continued to ramble on after I advised again that I can not receive these calls at work.

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 2015-09-15
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was a student for XXXX XXXX XXXX in XXXX, MO and was led to believe that I would have employment assistance and a great salary upon completion. What I graduated with was XXXX in student loans XXXX half of which are federal ) and a " degree '' that no employer finds useful. Now I have ballooning student loans that keep me up at night because I 'm unable to make the payments. I have tried to contact Navient and am informed that there are no payment soutions for me under {$810.00} a month. Thats an obscene amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We have a primary home loan from XXXX located on XXXX XXXX in XXXX XXXX California. The loan balance of {$66000.00}. Also, we have a Home Equity loan from Bank of America. XXXX is trying to refinance our loan on our home, and Bank of America is not allowing them to refinance the loan of {$66000.00}, because they are not releasing the subordination. I have been a loyal customer of Bank of America since XX/XX/XXXX. All my family members have accounts at Bank of America and I have also a business account. We have also the rental property and my XXXX property with total equity of over XXXX. 

The refinancing will save us {$1000.00} in monthly Mortgage every month, which I can use to pay our debt. 

I made a written appeal to Bank of America, Subordination Department. However, they did not respond to my appeal. 

My husband is XXXX years XXXX. He underwent XXXX XX/XX/XXXX. Refusal by your bank to allow refinancing has affected his health and he is in distress. According to federal Government rules, people should be permitted to refinance the mortgage. 

I would like to ask request to help in this matter. 
Thanks, 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 2015-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am soliciting your help in reversing an illegal fee charged to my account with Bank of America on XXXX XXXX, 2015. My account had a balance of {$220.00} on XXXX XXXX, 2015 when a check written for {$200.00} was posted to my account. I spoke to a representative who advised me that there were insufficient funds to cover this check. This is very misleading because my account showed a positive balance of {$26.00} after this check was posted on XXXX XXXX, 2015. My account only went into the negative after the overdraft fee of {$35.00} posted to the account XXXX XXXX, 2015 creating a negative balance of ( {$8.00} ). This fee created negative balances for all purchases posted on XXXX XXXX, 2015. Please see evidence of transaction activities attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief