BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-05
Company: Capital Markets Cooporative, LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I thought I had properly set up my loan on monthly auto draft through the online website. I never received a phone call letting me know that my mortgage payment was late. I happened to check the website on XX/XX/XXXX and noticed that my loan was now over 30 days late. I immediately made the XX/XX/XXXX and XX/XX/XXXX payments. As I was under the assumption that the loan was set up on auto draft. Also, had I been notified before the 30 days was past, I would have made the payment on time. CMC Funding will not doing anything to help fix the credit report reporting the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On or about XX/XX/XXXX, American Express executive offices was contacted regarding overpayment on my account. The account holder informed the executive office representative that during the time frame of XX/XX/XXXX through XX/XX/XXXX, an overpayment to American Express was made totaling {$16000.00}. The cardholder attempted to resolve this issue on numerous occasions with American Express customer service, but to date nothing has been resolved, despite ( 2 ) investigations by American Express. A demand letter was sent to American Express on my behalf to their legal department referencing my rights under CA Civil Code law. There was no response directly from the legal department. In fact, the demand letter was sent back to customer service/ executive offices - the same office that did not resolve the issue in the first place. American Express first stated that if I was refunded it would adversely affect the " primary '' account holder. I was told to call the 800 number on the back of the card for my refund. I called the 800 number and was taken back to square one. This of course did not resolve matters. 
Additionally, my response following my demand letter stated that the " primary '' cardholder is response for reconciling the account and not American Express. I was called a second time after the first response to the demand letter and told to contact my bank and ask for a recall of funds. This did not make sense to me. At this point, I am reaching out to the Consumer Financial Protection Bureau for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I did contact both credit collection agency listed on my credit report to dispute the XXXX collections on my credit report that do not belong to me or to anyone I know. 

The person 's name given to me by XXXX XXXX XXXX was a XXXX XXXX. I do not know this person and I believe this is a mistake or fraud on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Bank of America claims I was represented by a lawyer out of XXXX Virginia in a case involving XXXX. In fact, my lawyer was a XXXX XXXX XXXX based out of XXXX regarding the XXXX case. None the less, the law requires accurate reporting of information on a credit report and Bank of America has failed to do this by reporting that my last known address was in XXXX Virginia. I would also like to add that if Bank of America has anything to do with the XXXX case, that case was settled out of court and that debt was removed because of this. If this fradulent debt has anything to do with XXXX then Bank of America is not only reporting my information illegally but they are illegally trying to collect a debt but this will all be brought up in the court papers next month. Bank of America has many cases that they have lost by reporting false information and performing illegal practices. If they claim I lived in XXXX Virginia and put someone else 's name on the account instead of making it a side note and this account was mine, even though it is not, then how am I to know the rest of the information is correct? How am I to know this debt is even real and Bank of America is not making it up? Their own representatives can not even keep their story straight, they flipping stories more than a pancake. All these correspondents will show up in court and you can answer to a judge and possibly a jury over why so many errors and false reporting, I will gladly take your money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Theres a XXXX XXXX XXXX XXXX account reported on my credit file with the bureau of TransUnion which I've disputed several times as part of my rights according to the FCRA XXXX along with an address thats not associated with myself ; reported XX/XX/XXXX which they refuse to comply and remove. The 'XXXX  XXXX XXXX XXXX account they mention is verified as accurate which I also disputed again on XX/XX/XXXX, which it's now more than 30 days. They have not removed neither the account nor address, and hadn't hear a reply back from them regarding this unverified account to be deleted as mentioned not mine.

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 2017-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Consumer Financial Protection Bureau : This email is being written in response to your letter and your conclusion that Bank of America had adequately responded to our complaint. We appreciate Bank of American 's research by their XXXX Customer Care Resolution team and their response via their letter date XX/XX/XXXX regarding the disposition of our loan in XXXX. Frankly it may have been correct as far as it went. However, we made payments through XX/XX/XXXX and into XX/XX/XXXX. ( The last payment was received by Bank of America XX/XX/XXXX and was subsequently returned following our receipt of the Abandonment Form ). 
Copies of our XX/XX/XXXX payments, which were not recorded by Bank of America and were not addressed in the BofA XX/XX/XXXX letter. What happened to that {$1900.00} which was paid to and received by Bank of America? We can forward copies of the Bank of America receipts and copies of the cancelled checks. Although we sent copies of the receipts and cancelled checks to Bank of America, they are refusing to accept or return our numerous phone calls or hold themselves accountable for their errors. We would appreciate a response from Bank of America to our new inquiries. 
We have been in contact with XXXX, XXXX, PA ( Single Point Contact / XXXX # ( XXXX ) as late as of XX/XX/XXXX am and they have not been able to find any record or knowledge of the loan, by name, address, SS # or loan #. 
Because of these discrepancies we are asking you at the Consumer Financial Protection Bureau to further review this situation : ( 1 ) What happened to {$1900.00} payments that were made in XX/XX/XXXX to Bank of America on this account # XXXX ; ( 2 ) Help XXXX find the charge off records, identify the correct amount owed and assist us in being able to pay our debt, # XXXX ; ( 3 ) Remove the Abandonment Statement on our credit report allowing us to secure a new home mortgage. 
Thank you for your assistance. 
Regards, XXXX, SS # XXXX XXXX, SS # XXXX XXXX , XXXX, MI XXXX Phone - ( 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 2016-04-28
Company: Navient Solutions, LLC.
State: OH
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 recently received a letter from Navient informing me that my loan terms had changed. Navient, without my consent, automatically changed my repayment plan from a 15-year plan to a 25-year plan. The change to a 25-year repayment plan would have more than doubled the amount of loan interest I would have had to pay Navient. What concerns me is Navient did this without my consent. If I had trouble making payments, and called Navient to extend my terms this would not be an issue. However, for someone capable of making the payments, and even being able to pay off the loan in full this is very disturbing. Student loan companies should not be able make such changes without getting written consent from the loanee prior to changing loan terms. I find Navient 's practice deceiving and harmful to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I purchased 2 XXXX cell phones and when I got home I did not get service at my house. I retuned them to XXXX XXXX the next day, which I have on video. That was within the time allowed in the contract, therefore I do not owe this money. I never used the service and returned the product.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After receiving a debt that I knew nothing of on XXXX XXXX, I immediately had my credit reports pulled, and sent all XXXX credit bureaus certified dispute letters. I received confirmation back that all the items that I had disputed had been verified. I sent a XXXX round of letters asking that I be provided with the names and numbers of whom they had validated the debts with. I myself sent a validation letter to XXXX of the creditors only to be told it was a mistake, and that a letter would be sent to all three credit bureaus to have deleted. This was XXXX of the debts that they claimed they had investigated and had found it belonged to me. They have ignored all of my dispute letters, and refuse to remove debt that have not been validated. I have asked for proper paperwork demonstrating the agreement between me and these creditors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Privacy

Complaint:
Contacted Bank of America Credit Services prior to departing the country on XXXX/XXXX/2016 to inform them of a change of address. I will not have a physical address in the U.S. for at least the next 6 months. I have established a P.O. Box with the USPS and set mail forwarding to begin XXXX/XXXX/2016 when my lease terminates at my prior U.S. physical address : XXXX XXXX XXXX, XXXX, XXXX XXXX. I am out the country for work-related tasks. 

I informed Bank of America of all of this and gave them my P.O. Box which will be in use for at least 12 months as per prior agreement with USPS. However, today I was unable to finalized a XXXX transaction using my P.O. Box address and instead had to use my prior physical address to finalize payment with my credit card for a bus ticket for work-related travel from XXXX XXXX, XXXX to XXXX XXXX, XXXX where I will be staying for approximately 6 months. 

When I logged in to Bank of America Online Banking, no P.O. Box was listed so I manually added it myself, but was unable to switch my primary address from XXXX XXXX XXXX, XXXX, XXXX XXXX to my new P.O. Box address. I then called Bank of America Credit Services and was told that this was a non-issue and the P.O. Box was listed on my account. I responded that of course it was, because I had just added it. However, this did not resolve the matter with not being able to change the primary address associated with the account. 

I informed XXXX ( from XXXX ; only identifying information I was given ; Supervisor named XXXX XXXX ) that I did not want to be transferred to Online Banking nor a supervisor. I considered the matter to be closed as this was my second attempt to inform Bank of America in a timely and efficient manner of my change of address and travel/work-related needs. As the provider of my financial services, I informed XXXX that herself, her supervisor and their employer would be held responsible for the security of my personal information and the security/integrity of my financial information. No information should be sent from Bank of America to my prior physical address : XXXX XXXX XXXX, XXXX, XXXX XXXX after the effective start date of my mail forwarding service with the USPS on XXXX/XXXX/2016. 

I am filing this complaint because XXXX was unable to give me a definitive answer abou the resolution of the update to information in Bank of America 's system in regard to my primary address, as well as the fact that she negated or disputed whether or not the facts of the matter were as they are. Indeed, Bank of America 's online account information still lists my prior physical address in the U.S. as my primary address. I also informed XXXX that if I had any further issues with finalizing financial transactions due to lack of recognition of my P.O. Box that I would file as many additional CFPB complaints as necessary to resolve this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I am an attorney so I know the law of payment systems and I know a law was broken here. I went to a merchants website and hit the " go to paypal '' button. When I logged into paypal, the payment company transferred money out of my bank account and into the merchants account. This was done without my consent and no authorization occurred. I contacted paypal within the hour and paypal considers it a valid transfer even though I just logged into paypal without authorizing a transfer. Paypal calls this the new, improved " XXXX XXXX '' service where it make a fast and instant transfer without the usual customer review and consent. I want my money back of course but - more importantly - for paypal to stop this new practice of money transfers without consent or authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX contacted me stating they were going to sue me and place a lien on my credit card for a fraudulent credit card debt that was opened when I was XXXX. Informed that I 've already disputed it and had it removed from my credit report almost 10 years ago. Informed not to contact me anymore and asked the representatives name. She would n't give me her name and I told her to have her collection agency remove me from her list. She informed me she was n't a collection agency. Used harassing and offensive language and said she was going to call my work. Informed I could n't get calls at work and she called anyways.

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 2015-11-03
Company: Paypal Holdings, Inc
State: AE
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
I would like to report PayPal.com for unscrupulous business practices. In XX/XX/XXXX, I used my PayPal account to pay an individual for a musical transcription service. As I was finalizing the transaction, a confirmation window popped up. As in the electronic age, these windows routinely pop up to confirm a transaction, I clicked " OK '' without reading the full length of the text. As it turned out, it was a window asking me if I wanted to open a PayPal line of credit. I was upset when I realized what had happened, and found out today when checking my credit report that the situation is even worse than I thought : with this simple click of a button, PayPal performed a hard credit inquiry ( using the personal information I had to provide when I first set up the account long ago ). This confirmation window strategy was clearly designed to prey on consumers, and it works. Now the hard inquiry has brought down my credit score. I hope you will pursue this to ensure that PayPal desists from this sort of borderline scam activity. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have about 13 private student loans with XXXX ( Currently, Navient ). Back in XXXX XXXX advised me that in order to get on a payment plan I needed to default on my student loan before they would offer me a lower payment. I was willing to pay what I could. At the time I was single and making {$10.00} an hour. They were asking me for {$1300.00} a month for student loans, I said I would pay something more reasonable but that was more than I was bringing home bi-weekly. So I started off by paying what I could after living expenses. 
They ordered me to default for 3 months and then call back to get on a payment plan. Which has ruined my life. They reported this to the credit reporting agencies and this has ruined my chances of becoming a first-time home buyer. After allowing me on a reduction rate plan, even after making my payments on-time for consecutive three months, they still reported me as delinquent to the credit reporting agencies. 

Being on the repayment plan I have made all my payments on-time for the past 4 years but due to the negative reports in XXXX and XXXX I am unable to purchase a home or anything because it appears that my credit is still suffering from those delinquent reports. While on the repayment plan I also discovered that they were charging me a late fee some months and inaccurately reporting to the credit bureaus. 

All of my student loan accounts were on the same payment plans and on my credit report they all reflect different delinquency dates. I reached out to Navient regarding this matter a year ago and they still did not correct the errors on my accounts with each and every credit bureau that they falsely reported information to. When I first started the re-payment program their automated dialer was calling me for weeks even after I had spoken to agents insuring all my loans were on the payment plan. The automated system called me for weeks saying I was behind on my payments, in which I was current and enrolled in their rate reduction plan. This has caused me so much grief and distress, trying to get them to report my information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was paid in store and in full before we were able to switch names on the account from my name to my spouse 's name. We switched names because of an added discount for which she qualified through her employer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08
Company: Evergreen Financial Services Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
We have a medical co-pay being billed to us that was paid via debit card at the time of service. The date of service was XX/XX/2016 for XXXX. It was a charge for my daughter. The hospital kept trying to collect this from me multiple times. Each time I would get a letter I would call the hospital and they said " they would work on it ''. Well almost a year later I get a letter from Evergreen Financial Services saying to pay the {$30.00} dollar co-pay or get a judgement. I was mad to say the least! I sent in a copy of my bank statement showing the amount debited from my account on the day of service from their client. I called back to see if they received the proof of payment and now they have to talk to the client to make sure this is ok? I paid this money. I have proof! That should be the end of it!!! This is so unprofessional I do not know what to do. So this is the action I am taking. I will keep fighting this! I know it is only {$30.00} dollars, but it is about principle now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
JEFFERSON CAPITAL SYSTEMS repeatedly continues to re-age a debt that have been disputed for years. When it is removed from XXXX credit reporting agency it is placed on another. This company have never every sent any documentation to me to alert of a debt prior to posting. 

I have repeatedly told the credit bureaus that this company never provided written documentation prior to reporting this debt. 

This is a form of harassment and each and every time this company, JEFFERSON CAPITAL SYSTEMS list this debt it cause my credit score to drop, sometime XXXX plus points. 

This company is attempting to completely ruin my life and my credit and they have no right to do so. 

I have never received any written documentation from this company about this debt. Nor do they notify in writing the many times they have placed the deb on all three credit bureaus. 

This is outright harassment to just continue to place the debt on credit reports because you can with no sense of or understanding you are causing the individual 's credit to plummet each time. 

It gets removed from one account and moved to another. I believed since XXXX 2015, this account has been place on all XXXX credit bureaus and some more than once after being removed. Therefore if the account has been removed time and time again it has to be a case that needs someone to look into it and understand why this is happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief