BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-22
Company: Navient Solutions, LLC.
State: NY
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 the co- signer for my son XXXX XXXX private student loans. Over the course of time I sent money order payments in to pay off the loans I co-signed. I specified with the payments that they be applied to the loans I co-signed and to the one with the highest interest rate first. Some of the monies I sent was applied to other student loans that my son had which were Federal Loans and I did not co-sign. I did not keep good records of the payments I made and my son lost his job and stopped making loan payments. I have called XXXX XXXX and Navient numerous times to try to go over the payments so they could apply them properly. I have spent hours on hold waiting to get to the right person and then promised that they would get the information together and call me back but they never do. They have since sent the dept to a collection agency and they are calling me for payment. I am pretty sure that I have paid more than I co-signed for and I need them to give me the loan history so that I can tell them which payments I made that were not applied to the loans I co-signed. They have also reported to the credit agencies that I am delinquent and ruined my credit. I have a small business and rely heavily on my good credit standing to buy merchandise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Citizens Bank charged extortionately disproportionate overdraft fees when I overdrew the account by {$4.00}. Some of the fees were inconsistent with the policy. This is the chronology of events:XXXX overdraft of $ XXXX overdraft fee ( {$35.00} ) & lt ; = should have been waived by " overdraft pass '' XXXXXXXX overdraft fee ( {$6.00} ) & lt ; = fee starts too XXXX overdraft fee ( {$6.00} ) & lt ; = XXXX business day ( when sustained fees may start ) XXXX overdraft notice receivedXXXXXXXX overdraft fee ( {$6.00} ) XXXX overdraft fee ( {$6.00} ) XXXX overdraft fee ( {$6.00} ) XXXX payment initiated at other XXXX overdraft fee ( {$6.00} ) XXXX overdraft fee ( {$6.00} ) XXXX overdraft fee ( {$6.00} ) There is an " Overdraft Pass '' feature, which states : '' If you overdraw your account with a transaction of {$5.00} or less we will not charge an Overdraft Fee. '' ( XXXX ) So the fee for {$35.00} should not have been charged. Also note that the daily fees started a day sooner than in the terms : " If your account remains overdrawn for 3 or more consecutive business days, on day 4 we will start to charge a Sustained Overdraft Fee of {$6.00} per day for each day it remains overdrawn ''. In my case the daily fees began on the third day, not the fourth. Also note that in the end XXXX more fees accumulated /after/ I sent a deposit to make the account positive. For XXXX of those days the money was in limbo, absent from both accounts. 

In the end I was charged {$90.00} for an overdraw of {$4.00}. That 's a staggering 2,261.7 %.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I HAVE REQUESTED AND APPEALED TO MY MORTGAGE LENDER ( BANK OF AMERICA ) TO PLEASE CORRECT THEIR MISTAKE ABOUT EVALUATING MY LOAN MODIFICATION APPLICATION BUT THEY HAVE FAILED TO ADDRESS THIS ISSUE REPEATEDLY!! 
The lender approved my trial loan modification but then they refused to turn this offer into a permanent plan!!!! They claim that they can not verify my tax returns from 6 years ago!!!!!, i.e. XXXX and XXXX. This is an absolute false claim from B of A because I have presented all the tax returns for every single year that they requested, including XXXX & XXXX. 
I even gave them official transcripts DIRECTLY from IRS, confirming that I DID file taxes for all the years disputed by B of A. 

So I have all kinds of proofs that my tax filing history is correct and accurate. But the lender keeps repeating a false claim and a baseless assumption with no proofs whatsoever!!!! 
They keep repeating their wrong information regarding events of 6 years ago!!!! 
This behavior is both unreasonable and very unfair. I have solid proofs of my tax filings which I have repeatedly presented to them. Yet they keep repeating the same false assumptions!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: ERC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call from various numbers. When I answer they hang up. Once when I did talk to someone I was told they would be filing a lawsuit against me. So I asked them to send me something in writing and the have yet to do so. But, I keep getting these calls with no one at the other end. 
Here are the numbers : XXXX XXXX XXXX XXXX XXXX XXXX

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 2016-03-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I had contacted equifax to remove a account from XXXX XXXX. XXXX had supposedly sold my account to another company named XXXX. I had contacted XXXX hoping to pay for delete they told me they were not able to do so due to they had sold the account to another agency, yet i signed into my XXXX account and i am still able to pay my balance. XXXX was paid from XXXX yet still want money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card
Issue: Rewards

Complaint:
I have been going back and forth between XXXX XXXX XXXX rewards program to figure out what happened to my points. Bank of America claimed to have transferred the points automatically, but I never received them on my XXXX XXXX account. I contacted Bank of America ( for the XXXX time regarding the issue ) and they finally transferred me to a supervisor that stated the rewards points expired. Before signing up, I was told that the rewards miles do n't expire let alone after a month! Bank of America kept putting blame on XXXX and sending me to them for resolve when BofA is the XXXX responsible for rewards transfers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We have been in refinancing process since XXXX XXXX, 2016. Our Loan officer is XXXX XXXX XXXX number XXXX. We have done evrything required in our part in a timely manner. We want to refinace to lower our interest rate not to pull out money. We thought it would only take about two months since everything is good our credit scores i payed off a medical bill which they did n't let me know until about 3 wks ago. So I payed it off. I keep calling texting my loan officer no response we are close to closing our loan but he does n't call us or get in touch with us. It 's not fair our time and money are valuable. He has extended our interest rate twice and I think is prolonging it to give us a higher rate since interest rates are going up. Please help, I do n't know what else to do.

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 2016-04-20
Company: United Student Aid (USA) Funds
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I had a student loan debt in the amount of {$2500.00} give or take a few. XX/XX/XXXX I paid over {$8000.00} to take care of that debt and am still paying now - just recently I was sent to XXXX to pay the last {$800.00}. I received a XXXX for showing XX/XX/XXXX a total of {$3.00} was paid as interest on my student loans. I have called several times requesting a SOPA letter have been transferred back and forth between all XXXX companies above all claiming " the loan is no longer with us - is purged we can not see the information '' and " you need to contact this additional number to request that '' only to be told to go back to the other for the SOPA letter. With the exception of XXXX whom only says we know nothing other than the {$800.00} we just took over. Which is where the {$3.00} of interest came from. 
I was also told that once I made those payment to XXXX for XXXX months and it was picked up by a lender ( XXXX ) that all delinquencies would be removed from my credit which is the only reason I agreed to go thru with the program ... not that I had a choice they took {$5500.00} tax return last year which by my calculations should have more than paid it off. I paid that {$5500.00} in XX/XX/XXXX and since XX/XX/XXXX have paid {$56.00} a month and now continue to make payments and of the original XXXX loans totalling {$2500.00} now show XXXX loans on my credit report all XXXX show delinquencies and only say " paid as agreed '' I have asked what their rates are no one seems to know all these agencies ( XXXX, XXXX, XXXX - XXXX XXXX ) just keep sending me to each other getting lost in the shuffle of voice systems that never lend to my issue ( inactive/paid loans ) and reaching customer service can be time consuming and difficult - when I do they never help or have an answer. XX/XX/XXXX I tried to make whole on these small loans - was told this program was only thing I could do to " save '' my credit - that appears to have been completely false. 
I never received pre claims assistance - I was lied to about how to make whole on this account- I have paid well over XXXX times the debt amount and still paying. I have no idea what is interest or fees. I have incurred more debts trying to pay these debts that just keep burying me deeper - this whole process is predatory and theft. UPDATE XX/XX/XXXX I received the total amount of interest paid was {$36.00} that seems way out of sequence on the over {$7000.00} I paid this year alone on a total {$2500.00} debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to a company called SLS ) Specialized Loan Servicing XXXX in XXXX of 2015. Since that time they call my home multiple times per day, almost everyday. Sometimes XXXX right after another. My account is not in arrears, my information is current and they have all insurance documentation. I have repeatedly asked them to stop calling. I have also faxed them a cease and desist as they requested. The calls have not stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company issued a IRS form XXXX " cancellation of debt '', but are still trying to collect. They are also reporting a balance to the credit reporting agency 's each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Block, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I was able to purchase Bitcoin  though cash app for investment purposes .I filed a compliant 2 weeks ago and im still unable to send the Bitcoin where I would like it to go. My friend did it the same day and time and hers went though and mines didn't. So I would like to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
I applied for a HAMP loan modification with the help of folks at the NeighborWorks HomeOwnership Center of Central MA. The papers were all submitted 14 days prior to a scheduled auction. SLS is refusing to review my application, and insists on moving forward with the application. It was my understanding that as a HAMP servicer, SLS needed the paperwork 7 days before an auction. Our situation has improved, we have solid income, my counselor tells me that the math works, I just need SLS to review my application.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: OH
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:
In accordance with the Fair Credit Reporting act has violated my rights. XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXXXXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX CARD SERVICES Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARDClosed on XX/XX/XXXX, XXXX CAR Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX, XXXX XXXX  Closed on XXXX XXXX, XXXX, XXXX Closed on XXXX XXXX, XXXX XXXX XXXX  / XXXX Closed on XXXX XXXX, XXXX Bankruptcy XXXX Bankruptcy 1852450 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 a account without my written instructions

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 2015-08-18
Company: Robinson, Reagan and Young PLLC
State: WA
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:
I cancelled my XXXX service on XXXX XXXX, 2015. I was told by the representative that my final balance was XXXX. XXXX never sent me any bill or demand. Instead, on XXXX XXXX, I received a collection letter from XXXX, a collection company. I filed a complaint with the Bureau of XXXX Financial Protection, and XXXX ceased working on my account XXXX Case number : XXXX ]. Subsequently, on XXXX XXXX, 2015, I received a new collection letter from a different company : Robinson, Reagan and Young, P.L.L.C. Since I have never received any bill or request from XXXX, and since they referred my account to collection agencies after telling me I had a XXXX balance when I cancelled, I am filing this complaint.

Company response to consumer: Closed
Consumer complaint received 2016-06-11
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted my normal mortgage payment to US Bank, and discovered that they are now charging a {$5.00} fee ( NOT a late fee ) if you pay online after the XXXX, but before the late date of the XXXX. I usually pay before the XXXX so never noticed it, but this was on the XXXX or so. I wrote and asked them why there was a fee. I received a message back that this started after XXXX possibly, was NOT a late fee, and would be charged to online payments if you do not pay on or before the XXXX of the month. This seems very strange to me and punitive. I always pay extra on my loan and am now donating {$5.00} of that to US Bank for no reason, which is unsettling.

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 2015-04-05
Company: U.S. BANCORP
State: MA
Product: Credit card
Issue: Advertising and marketing

Complaint:
On the US Bank XXXX XXXX Visa Card, they are changing the card benefits. 
THE LANGUAGE, the agreement we signed up for CLEARLY SAYS GET THAT XXXX free night AFTER PAYING THE {$75.00} FEE. They have to live up to their terms & conditions here!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-30
Company: U.S. BANCORP
State: IL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
On XXXX XXXX, 2015 my EastWestBank card was flagged as being suspected of fraud activity. Elan Financial Services manages security and fraud activity for EastWestBank. VISA notified Elan Financial Services on XXXX XXXX, 2015 that they had suspected that my EastWestBank card of fraudulent activity. 
Elan Financial Services never notified me that my EastWestBank card was flagged as being suspected of fraud activity. I was carrying and using a suspected fraudaulent credit card for days before I discovered this status. And I only discovered that my credit card was suspected of fraud on XXXX XXXX, 2015 when Elan Financial Services denied a purchasedI made to XXXX. I was never notified. 
I spoke to a manager of the fraud department at Elan Financial Services on XXXX XXXX. He informed me that notifying the card member of any fraud activity is optional. I have other credit cards who not only notified me of suspected fraud actiivty but issued a new credit card immediately. 
As the card member, do I have the right to be notified immediately when my credit card is supected of fraudulent actiivity?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2022 I tried to transfer approximately {$350.00} from my PayPal.com account to my bank account. After trying to initiate this transfer multiple times from my account, both on a mobile device as well on a computer, I noticed that I was " unable '' to link my bank account in order to easily transfer my balance out. I had tried to initiate this transfer many times over many months and have always hit the same problems : - bugs where the " transfer to bank '' button does not work / respond - errors when trying to link my bank account This has resulted in my balance sitting in PayPal and unavailable for use for close to 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: U.S. BANCORP
State: OH
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
US Bank National Association dba XXXX XXXX XXXX has failed on several instanced to adhere to the terms of THEIR card holder agreement. After enticing that my tax refund be direct deposited to my card through a {$10.00} credit advertisement the company refused to post the funds to my card. I was THEN informed that they only take deposits up to {$5000.00}, which varies greatly from the terms of their agreement. In XXXX XXXX, prior to filing my taxes, I contacted customer service for my XXXX XXXX thru XXXX XXXX bank statements to help me with filing my taxes and was told that they no longer had access to my records. I advised them that Federal law mandated that the keep these records for a number of years, the rep had no knowledge of the laws and advised that she would escalate the matter and have their superiors contact me. I am still waiting for that call back. In XXXX I used the card for incidentals at XXXX hotel. XXXX XXXX charged my account in excess of the amount the vendor attempted to hold and refused to credit it back after the vendor released the hold. I spent over 8 hrs on the phone with various reps who pretended that they could not release the hold, when paragraph XXXX of their agreement provides a means to do so with written authorization from the vendor. I advised XXXX XXXX that they were in violation of THEIR agreement and the rep, XXXX stated she could not further assist. On XXXX XXXX I requested an arbitration hearing and to date I have not received a hearing date or any information regarding the status, resulting in 3 additional calls. It is my opinion that XXXX XXXX preys upon individuals with financial troubles and lack of financial laws. Even though they have refused to adhere to their agreement, they continue to charge a {$3.00} service charge. The prepaid card is SUPPOSED to provide me with {$5.00} per {$1000.00} in free groceries, however the clerks at the XXXX family of stores have NO KNOWLEDGE of the program and regularly fail to provide this " benefit ''. Each month I have to call in and I am told the phone reps can only see that I earned the benefit, but have no way of tracking if the benefit was used by an unauthorized party. When I requested an inquiry on the matter I was advised that someone would call me back within 48 hours to let me know. To date, I have NEVER received a return call from my numerous inquiries. Please review the attached information and feel free to contact me for more details regarding the atrocious disregard for the financial laws of the State of Ohio and the United States.

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