BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-01
Company: CAVALRY INVESTMENTS, LLC
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: 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 explanation
Consumer complaint received 2015-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
It appears to have started when i enrolled for a job at the XXXX USPS. I had them do a background check for me from a company called OPM.gov. On XXXX/XXXX/2015 I had my whole account from My XXXX/Visa debit card stolen from me in the amount of {$220.00}. The transfer was made from BOA in sacramento. I called BOA EDD/visa debit and told them i did not authorize this tranfer. they called it fraud and sent me a new card and said it would take 45 days to investigate. two weeks later they closed my clam and they did nothing wrong. They said they tranferred it to my bank account at The XXXX and there was no fault on their part and closed the claim. They told me to contact The bancorp.com. I tried calling them and they had no account under my name and asked for an account number. after calling BOA numerous times i finally got them to tell me over the phone the account they sent it to, after waiting yet another week to say they will mail it to me becase they can not give it over the phone, and failed to do so. after getting this info i called the bancorp.om and they said i do have an account. ( I never opened it and have no idea how this happened ) well they refuse to give me my funds. After calling numerous times to them i had XXXX one lady said the money is there and they will transfer it into a different card i will need to acquire from XXXX. I have opened a card and waiting for them to transfer it. after a week i called back and the same guy who refused to help me said he was going to the call the XXXX and tell them they ca n't do that and he wont tranfer the money. I was told tby the lady that she tranferred the money to them on XX/XX/XXXX and it is pending. if by saturday i do not get it i will call them back again and get furious. After notifying the FTC and filed a fraud alert, it was OPM.gov that said they may have been exposed to a cyberattack. I have fraud monitoring but do not know if the person who opened this account also have been draining my social security as well. my fear is that whoever opened this account at The bancorp.com may have opened up more things as well. all i want is my funds back so i can close both my XXXX/visa debit card and the XXXX account as well. but i have both of them telling me its not their fault and go back and forth. i am getting exhausted and drained from all this. i want to file apolice report but i have only the visa statement to show for it and the XXXX have not produced or will send me a statement or account ID so i can see where the funds have gone, when it was opened, and what kind of activity has been going on. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I opened a chq.acct. with bank of America on XXXX. I received a cashier 's cheque for {$4800.00}, from an on line company for a job as a " XXXX XXXX '', which I deposited into my acct. through the ATM process, on XXXX. I received a receipt .On XXXX I recieved evening mail from Bank or America ( detailed copies of same will be furnished as requested ) explaining that a '' Hold '' was placed on my cheque because paying bank information indicates item may be returned.Consequently I received two other pieces of mail with deposit and other additionsiwas confused .The following a.m. 
I went to the Bank, I was informed by a Cust.Svc.Rep. that they believe that the cheque is fraudulent and I would have to wait until XXXX for the cheque to clear or be deemed fraudulent, although he already told me that the cheque is not good.I explained that my Direct Deposit ( SSI ) would be coming on XXXX.He then told me that most likely the Bank would close my acct.I asked why. His reply was because of a fraudulent cheque. On XXXX I received mail from Bank of America that they made a decision to close my account I went to the bank. On XXXX, I went to the bank to pick up my SSI cheque.Due to the acct. closure I would have to go directly to the teller for my money.Shetold me my acct. is closed and I must speak with the said Cust. Svc. Rep .I am unable to pay my rent, I have nofood to eat and no money.I went to my Congresswoman for help and was guided to take this step.I do have all receipts and documents, and names so I 'll be brief as possible. Thanking You in Advance. 

rent is due, and because of my XXXX, there are certain things " I must buy.I was told by the teller to see the Cust.Svc.Rep who informed me that my acct. is closed and I would be unable to get any monies until they have I do haveAll necessary documents, names and receipts but my copier is not connected for no money for ink.

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 2016-04-06
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am in the XXXX XXXX XXXX XXXX XXXX program. XXXX/XXXX/XXXX I paid XXXX dollars to my XXXX/Navient private student loans. Prior to making the payment I asked the customer service agent 2 questions : 1 ) Will this be applied to my principal? 
2 ) will this pay my account forward XXXX2 years? 
The agent advised me " yes '' XXXX would be true. Subsequently, over the past 2 months I have been charged a monthly bill. Last month I called Navient and spoke to a customer service agent who advised me that there was an error in their system and that this would be corrected by XXXX/XXXX/XXXX and My account should be payed forward ~22 months. However, today I again noted that I have been charged a monthly bill for this loan. Today, the customer service agent and supervisor told me XXXX new responses : XXXX ) firstly, that because I was enrolled in automatic bill pay at the time I made the large payment that this was not able to be paid forward. 
XXXX XXXX Than later after being on the phone with them for about 40 minutes I was told that this type of loan can not be paid forward. 
I have advised the supervisor that I had SPECIFICALLY asked the original customer service agent this question prior to making the payment and had confirmation and was again advised last month that they had corrected the problem and that had been again advised that the loan was than to be paid forward XXXX months. To which her response was essentially that they where not responsible for what the previous customer service agents had advised me but they would be disciplined if upon review they they where in error. 
This dose not really help me as the money I have budgeted to pay this loan monthly is now in their hands and they continue to request payment. This causes me financial hardship ( as I have many student loans and other debt ). The remedy I would like is that they apply the funds ( which I have already paid them ) forward 22 months as they originally have advised me was being done. 
- for the time being I have requested forbearance Supervisor I spoke with last was " XXXX '' ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is repeatedly and harassingly calling employers, family, friends and anyone who may have ever met me at all hours regarding an alleged debt.

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 2016-01-20
Company: Northstar Location Services, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Called my employer on their personal cell phone number and company number. Talked about my alleged debt with third parties numerous times. Contacting anyone they assume is a relative and harrassing them also.

Company response to consumer: Closed
Consumer complaint received 2015-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I had a fraudulent charge XXXX for {$240.00} XX/XX/XXXX. I reported the charge to Bank of America XX/XX/XXXX. They issued a credit for {$240.00} XX/XX/XXXX and {$240.00} plus {$10.00} as interest adjustment on XX/XX/XXXX. They mailed me a check for this credit which i deposited XX/XX/XXXXXXXX issued a credit for {$240.00} on XXXX/XXXX/15 to the card that had been closed. Bank of America caught their error and put a charge of {$240.00} on my account. The first fraud manager, XXXX, to whom I spoke found the credit XXXX, turned it into a debit and had me owing {$490.00}. Since she never returned my call as she said she would do, I called back and got XXXX. He at least fixed the credit to debit error. I now owe {$240.00}. I 've already paid for the fraudulent charge. Bank of America issued a credit. XXXX issued a credit. Right now I owe Bank of America {$240.00}. So if they get their way, I will have ended up paying for the fraudulent charge twice instead of receiving a fraud reimbursement from Bank of America and the charge back XXXX, which I pursued and obtained on my own.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have been requesting, since XX/XX/2021, verification of these alleged debts that you keep reporting on my credit files. However, your agency has failed to investigate & obtain, as mandated by law, proof of such debts. Yet, you have continued to report & sell erroneous information about me. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law. I have been requesting, since XX/XX/2021 verification of these alleged debts that you keep reporting on my credit files. However, your agency has failed to investigate & obtain, as mandated by law, proof of such debts. Yet, you have continued to report & sell erroneous information about me. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.

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 2016-12-22
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have an institutional student loan serviced by ACS Education ( http : //www.acs-education.com/ ). As of a week ago, I began receiving emails at different time points regarding temporary verification codes after the implementation of two-step verification. Of note, I have n't tried logging in in the last week. I emailed ACS 's customer service email through their website and have not received a response. I called customer service right now and am told that these emails are automatically generated, are normal, and that there is nothing to worry about. 

To test this, I tried to log in with an incorrect password and no email was generated. I logged in with my correct password and the verification code was sent. I have since changed my password. This is not consistent with what their representative told me, so the representative was either dishonest or did not know better, both of which are responsibilities of the company. 

I think that ACS has not been forthright and an agent other than myself has been logging into my account without me knowing. I would like to know what, if any, information was compromised, and if the recent changes in implementing 2-step authentication were prompted by known activities beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I had a private loan that I took out in XX/XX/XXXX the maturity date was XX/XX/XXXX. It is now XX/XX/XXXX and they are trying to collect. Under the statute of limitations in California they only had 4 years to collect and failed to do so. Additionally I filed a chpt XXXX bankruptcy in XX/XX/XXXX and that loan was discharged b/c my school lost fed funding and we were required to take private loans-this is a reason these loans can be discharged. All other private loan vendors accepted this but not navient and they are hounding me incessantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: APR or interest rate

Complaint:
XX/XX/XXXX, I 've noticed that even though I have been paying more than my minimum payment amount and paying it on time, my balance was slow to go down. When I checked my account, I noticed that my fixed interest rate of 10.99 % ( since XX/XX/XXXX ) was moved to an interest rate of 11.15 % variable. I called Bank of America to ask why my interest rate was switched from a fixed to a variable when I have never not paid my bill, always paid more than the minimum amount and always paid on the due date, Bank of America told me they just did it to me. I asked them was n't that against the law, especially since they never even notified me of hiking up my rate? They apologized and acknowledged that they never notified me and will now send out something to me in the mail. Is this legal? Can they get away with stealing my money like this? I need help in resolving this. Bank of America can not just switch my fixed APR from 10.99 % to a variable, when I did nothing wrong.

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 2015-04-30
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
They are making more than XXXX calls a day to our home. They have contacted me at work when I 've told them not to because I could lose my job. They also have called our neighbors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-04
Company: DriveTime
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am a person that has gotten a car loan wit DT Auto Credit. When my loan is a day late, they call me XXXX times in a row. As of right now, my loan payment was due on XXXX and they have called me a total of XXXX times since XXXX about my payment. Even when I tell them what day I am going to pay my payment, they proceed to call me sometimes a the next week to tell me that the information has been kicked out of their system. When I ask to speak to a manager or a supervisor, they deny my request. I have call upwards of XXXX times to attempt to get to a supervisor, and they either refuse to answer my calls and put me on hold or they refuse to give me a supervisor to talk with. This is an ongoing issue that stems from their model. It goes from if you situation or finances change, they do not help or negotiate with you to ensure that you are able to keep your vehicle, I have been told before that I did n't need to pay my rent but pay my car payment, I 've been threatened with having my vehicle repossessed when my payment is no more than five to ten days past due, and they only let you change your payment cycle once during the life time of the loan. The harassing phone calls are the worst as well as their rude customer service people from the number XXXX. They call at XXXX and as late as XXXX at night.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: CARVANT FINANCIAL LLC
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: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: MI
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 was funneled into payment plans that did not include the ability to pay according to my income. Consequently, I defaulted because I could not pay the minimum due each month so eventually, when I was a specific amount overdue, I defaulted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I refinanced my mortgage with Bank of America paying off a mortgage with Bank of America on the same property, my residence. Because of their delay and mishandling of the transaction. my new loan closed with costs different from what was disclosed to me. As a result, I paid on both the old and the new loan for a period of XXXX months. My new mortgage was closed on XXXX/XXXX/15 but the old loan was not paid off until XXXX/XXXX/15. Requiring me to make payments on XXXX loans at the same time. Being charge with interest on XXXX loans at the same time. My efforts to contact both the servicing people regarding the old loan or the processing people on the new loan has dead ended. At this point, no one is responding or taking responsibility to correct this error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Twice in three days, my entire online account with Bank of America has been locked due to " the number of attempts to sign in exceeded the number allowed. '' However, none of these attempts were made by me. Each time, I received an e-mail from Bank of America saying that if these attempts were not me, I should call the XXXX number provided in the e-mail immediately. Upon calling the XXXX number, I was told by Bank of America that there was nothing to worry about, and I should just simply reset my password. I told Bank of America that I am worried because someone of something is trying to access my banking information. Additionally, I think Bank of America is also concerned ( or at least should be ) because I was sent an e-mail from Bank of America saying " Your security is important to us. If you are not aware of this situation, please contact us immediately at XXXX. '' I went on to tell Bank of America that if my security was indeed important to you, then help me understand more information about who or what is trying to access my most private of banking information. Unfortunately, Bank of America again just informed me that I had nothing to worry about, and that I should simply reset my password and move on. I again pressed Bank of America for additional information. I said you clearly know that there were attempts to log into my account that were not me, so you have additional information, and I would like that information. If you ca n't provide me with any information, can you put me on the phone with someone, maybe a supervisor, who can. Again, Bank of America simply told me not to worry and move on. In XXXX cases, I then asked Bank of America to notate my account that I was extremely concerned that someone or something was trying to get information about my banking, including a mortgage, checking account, savings account, and credit card, and I would request that a supervisor call me back within 24 hours. In XXXX cases, Bank of America told me that they notated the account, and that a supervisor would call me back. I have yet to hear from a supervisor, or anyone from Bank of America for that 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