BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-10
Company: Navient Solutions, LLC.
State: CA
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:
My son has a student loan from Navient with me as consigned. I have payments directly deducted from my bank account. Although they have been taking out payments each month since, all were considered late and I just realized it. I spoke to XXXX on the phone who said the payment due was XXXX. I wanted to pay XXXX $ and have the extra applied to the principle. XXXX said the extra would only be applied to XXXX payment not the principle. XXXX said there was no way she could take any moneys to be applied to the principle. She did not know who to direct me to for inquiries about how to make payments to reduce the principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America manipulated the order of the transactions in order to charge overdraft fees. I checked my balance through the app and the website on Friday ( XXXX/XXXX/16 ) and Saturday ( XXXX/XXXX/16 ) and I had a positive balance in my account. I also received a transfer to my account on Saturday and at this point, my account still was in a positive balance. I check my balance on Monday ( XXXX/XXXX/16 ) and I found out that Bank of America charged XXXX overdraft fees on Friday. From these fees, there is XXXX that calls my attention ; I made payments to my Bank of America credit card on different days, but they process XXXX them on the same day so they can charged me more. In summary, they manipulated the order of the transactions so my account would look with not sufficient funds, when in relaity I had funds during the while weekend.

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 2023-01-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Its been over 30 days and I've reached out several different times. These Companies hasn't responded or opened my request to dispute any of the items I have requested to dispute. TransUnion and XXXX   both just opened a dispute today XX/XX/2020, when the initial request and complaint was submitted XX/XX/2020. By Law they are not complying and its not fair I am now Requesting that they remove all unverified items from my credit report. The Law requires them to respond within 30 days. Failure to comply with these federal trade Commission ( see 15 USC 41, et seq. )

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 2022-08-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
My credit was used in XXXX in XX/XX/2021. I was in the US. The transaction was cash advance for {$3700.00}. I was charged international transaction fee as well as cash advance fee. 
I reported that I did not know about the transaction and that I was not in XXXX. The bank treated it as dispute instead of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I entered into a settlement agreement with Bank of America regarding Account # XXXX for a balance they claimed I owed them. This settlement agreement resolved all claims against me and any claims I had against Bank of America. 

On XX/XX/XXXX Bank of America submitted information to XXXX XXXX and XXXX XXXX claiming that my account was closed due to Checking Account Fraud. They also reported that the account as of XX/XX/XXXX was unpaid. 

On XX/XX/XXXX, I attempted to open XXXX checking accounts XXXX XXXX XXXX and XXXX Bank and was denied a checking account based on the information reported by Bank of America to XXXX XXXX  and XXXX XXXX. 

Bank of America is no longer acting in good faith or under the terms and conditions of the Settlement Agreement we finalized on XX/XX/XXXX. 

Bank of America 's errors has caused me adverse actions ; I was denied XXXX checking account opportunities and the opportunity to establish a new relationship with another financial institution. Bank of America 's actions also caused me extreme public humiliation and embarrassment as I was turned down by these banks and had to suffer during and after conversation. 

Bank of America never provided me the opportunity to engage their claims that my account was considered checking account fraud. I never committed checking account fraud. I used the account for personal purchases. 

Finally, I believe Bank of America 's actions toward me are malicious, deliberate, and well defined against XXXX American consumers who seek to pursue justice in a court of law and their actions violates my rights under the Fair Credit Reporting Act

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 non-monetary relief
Consumer complaint received 2016-03-29
Company: Navient Solutions, LLC.
State: NC
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:
Navient holds my student loans and has once again stopped mailing me my billing statements. I can not make payments without the billing statements. I contacted them via telephone over 3 weeks ago and requested a billing statement. The lady I spoke to at Navient said that they had my home address entered as " terminated '' and was unsure why this was entered into their system since I have lived at the same address for over 1 1/2 years. I was receiving my billing statements every month until XXXX 2016 - suddenly, no more billing statements. 
I finally received a billing statement this past weekend and I have paid the full amount minus the late charges, bringing my account up-to-date. I should not be responsible for late fees that this company is generating due to it 's own inability to mail me my billing statements. This is not the first time this company has done this to me. They stopped sending my billing statements about 3 years ago and I had to call them to have them send me my billing statements. 
Navient has been calling me every day for the past 1 1/2 weeks now, requesting that I pay them over the telephone. I have explained to them on more than XXXX occasions the situation and each time they have told me that they have requested a billing statement to be sent to my home address. I am concerned that this company is purposefully not sending out billing statements to it 's clients to engineer " late fees '' to increase their profits. At the least, this appears to be very unethical business behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-27
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Navient has continuously charged me high interest rates, while in forbearance or deferment and made the process for entering into an IDR program lengthy- while interest accrues on my account and no other options are or were available to myself, I want to add this complaint to the law suit that has been filed against Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: Harvard Collections, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
After receiving a bill from them I contacted them certified mail usps XXXX requesting debt validation. They then sent me a letter asking me to help prove to them that I do n't owe the debt but no validation. They have continued reporting to the credit bureaus for unvalidated debt amounting over {$17000.00}. I have a right to see the medical bill and dispute charges of services I never received. Continuing to report the debt is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Everything has to be 100 % accurate on my credit report. 

A well-known debt buyer by the name of XXXX XXXX XXXX XXXX XXXX has XXXX to verify the furnished accounts on my credit report as 100 % accurate. 
I have asked for validation of this debt from the original creditor with my signature and submitted a copy of my credit report. I was not provided any supporting documents that proved that the information on my credit report was 100 % accurate. They are wrongfully keeping this inaccurate, unverified, and negative information on my credit report and causing harm to my livelihood as a consumer. This company and the bureaus are taking advantage and violating my rights as a consumer in accordance with the Fair Credit Reporting Act. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the original creditor information is missing, the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under : 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 Also, the Credit Bureaus have been taking more than 30 days to complete my investigation. 

Here are my supporting documents : Data Breach reported on my XXXX XXXX FTC XXXX number that I submitted back in XXXX of 2020 [ XXXX ] My credit report Furnisher 's Response

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 non-monetary relief
Consumer complaint received 2016-08-11
Company: RoundPoint Mortgage Servicing LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was sold to XXXX Mortgage servicing. We sold our old home.The first week of XXXX I contacted them to " recast '' my mortgage. I placed many calls, and was given an astonishing amount of bad information, no action was done, and they would not return my calls. 

Finally, after realizing they would not communicate or cooperate with me, I decided to simply pay off the mortgage. 

I have paid off mortgages, so getting the payoff amount is a simple process. I paid the principal because they would not give me a payoff amount. They will not give me any interest not covered, or any information about my escrow account. 

We are now in the XXXX month of trying to take care of business. This neglect would not happen if they were trying to do a legitimate business. A real business solves problems, and takes care of basic processes. 

I therefore suspect that they do things they way they are doing because it obviously suits their interest. 

This makes me suspect fraudulent business practice. I can think of no other explanation.

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 2022-05-21
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chime, XXXXXXXX XXXX closed my account after I reported my card as lost. They are holding my funds hostage and will not release them to me. Theyre the only bank I use and I have no ways to make a living or pay my bills. I cant get in touch with anyone because it just keeps saying they closed my account and cant help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX  Account # beginning in XXXX and ending in # XXXX has violated my rights. 1 5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.

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 2015-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed the account of XXXX and XXXX account XXXX several occasions with Transunion I have told them that the accountdoes not belong to me I have sent them a copy of the court order of theresponsible party and they still keep reporting this on my personal creditreport

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXXXXXX XXXX XXXX  - XX/XX/2022 - {$4700.00} - Account status Closed XXXX  XXXX - XX/XX/2022 - {$9000.00} - Account status Closed XXXX - XXXX XXXX  - XX/XX/2022 - {$5800.00} - Account status Closed XXXX - XXXX XXXX  - XX/XX/2022 - {$790.00} - Account status Closed XXXX - XXXX XXXX  - XX/XX/2022 - {$780.00} - Account status Closed In accordance with the Fair Crediting Reporting act XXXX  Account # XXXX, has violated my rights. 

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.

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 2022-05-21
Company: ProCollect, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022 to current, I have reached out to " ProCollect Inc '' through certified mail requesting validation and proof of this item, but they neglected to provide documentation.

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 2015-07-20
Company: M&S Recovery Solutions
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This company is trying to ruin my life. They call and threaten me all day, and for the past month, have been calling ALL of my family members up the entire XXXX XXXX. They will NOT validate debt ( If there is even a debt ), so I have no idea what they want. The harassment is getting so bad that I am seeking legal counsel next week. I just want them to stop calling my family and validate whatever debt they think I owe them. I did a complete debt consolidation two months ago so I have no idea what they want. They use threats and unethical practices and I have no idea how they are still in business. I am horrified by this company and what they do to people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Issue: Other

Complaint:
Bank of America 's website layout and wording to set up automatic payment to pay your credit card account minimum payment is confusing, cryptic, problematic, and somewhat deceptive! 
I signed up for what I thought was Bank of America automatic recurring payments option in XXXX XXXX that would pay the minimum amount due on my account each month. I set the minimum payment of {$25.00} to be paid on the second day of each month. In addition to this minimum payment that was being made automatically, I would also make additional payments during the month. In XXXX XXXX, my minimum payment due was {$89.00} and not {$25.00} that the automatic recurring payment option was set for. For the first time since I had open my account I had not made any additional payments during the month. This caused my account to show a partial payment of {$25.00}. Since I had also signed up to receive paperless statements on XXXX XXXX, XXXX, I did not discover this mistake until XXXX XXXX after I logged into my account and saw a 30 days past due notice. I immediately made an online payment to bring my account current and then called and spoke to a customer service representative about what had happened and made another payment for the same amount with the customer service representative. The problem with Bank Of America website payment option is that consumers have to select the e-bill option to enable the E-bill feature that allows the monthly minimum payment based on the account balance for that month to be paid in addition to ( not instead of the recurring payment ). Unfortunately, it is not easily apparent or accessible for consumers to do so which makes confusing, cryptic, problematic, and somewhat deceptive! As a result, consumers like me who use credit card company automatic recurring payments have inadvertently sign up for the WRONG automatic recurring payment option on BOA website. This caused my BOA to go delinquent, assessed a late fee, and more importantly has devastated my otherwise good credit. My score dropped by XXXX points and my credit limit dropped by {$15000.00}. My lifelong dream of XXXX day owning my own home now seems like just a dream! 
My complaint is not an isolated and rare event. There are many more consumers who have had similar experiences with BOA website payment options.

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 2022-05-21
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I entered into a settlement agreement with XXXX XXXX  XXXX regarding Account # XXXX for a balance they claimed I owed them. This settlement agreement resolved all claims against me and any claims I had against XXXX XXXX XXXXXXXX. 

On XX/XX/XXXX XXXX XXXX XXXXXXXX submitted information to Early Warning and XXXX XXXX claiming that my account was closed due to Checking Account Fraud. They also reported that the account as of XX/XX/XXXX was unpaid. 

On XX/XX/XXXX, I attempted to open XXXX checking accounts - XXXX XXXX, and XXXX Bank and was denied a checking account based on the information reported by XXXX XXXX XXXXXXXX to Early Warning and XXXX XXXX. 

XXXX XXXX XXXXXXXX is no longer acting in good faith or under the terms and conditions of the Settlement Agreement we finalized on XX/XX/XXXX. 

XXXX XXXX XXXXXXXX 's errors has caused me adverse actions ; I was denied XXXX checking account opportunities and the opportunity to establish a new relationship with another financial institution. XXXX XXXX XXXXXXXX 's actions also caused me extreme public humiliation and embarrassment as I was turned down by these banks and had to suffer during and after conversation. 

XXXX XXXX XXXXXXXX never provided me the opportunity to engage their claims that my account was considered checking account fraud. I never committed checking account fraud. I used the account for personal purchases. 

Finally, I believe XXXX XXXX  XXXX 's actions toward me are malicious, deliberate, and well defined against XXXX American consumers who seek to pursue justice in a court of law and their actions violates my rights under the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX 2016, I called my credit card provider, XXXX. I requested a credit increase in order to cover charges for my mother 's funeral. I was asked to informally state my annual household income. I told the woman {$230000.00}, which is about the same has it has been for the past XXXX3 years. I was told my request was denied, without any reason why. I later received a letter stating that the request was denied because I reported my income was {$35000.00}. The woman either did not hear me or made a typo in submitting the request, leaving {$200000.00} off our annual income. This is solely based on XXXX error. I have repeatedly contacted XXXX about fixing this. After being routed through several departments over several days, on multiple occasions, I am told it is my responsibility to contest XXXX ' MISTAKE with the credit bureaus by providing proof of income, tax returns, and more. Since then, my credit score, as well as my wife 's credit score, has been reduced by XXXX points. All of this based on an informal request for my income. Why is it our responsibility to correct this, when it is unquestionably XXXX ' mistake, and XXXX refuses to do anything?!?

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