BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-20
Company: Navient Solutions, LLC.
State: PA
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:
Navient on two separate occasions has capitalized my interest unnecessarily, by randomly redisclosing my loan terms, which causes the interest to capitalize. They are now charging interest on a higher balance, which is increasing the amount that I am paying back. No one at Navient is able to assist me when I called about the second instance which occurred in XX/XX/2016. The amount of interest was almost {$1500.00}. They redisclosed my loans by reducing the term by 1 month, which makes no senseThey have also refused to lower my variable interest rate which now stands at 11 % and wont put me back on the interest rate reduction plan that I was on last year. This is causing me to have trouble making my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, my name is XXXX XXXX. 
last 4 ssn XXXX address : XXXX XXXX XXXX XXXX XXXX, tx XXXX date of birth -XX/XX/XXXX I have dispute an inaccurate account on my credit report with Experian and XXXX. The account appears to be " OFFICE OF THE ATTY GENER ACCT # XXXX ''. I have been asking them for proof of verified and also advised them this is an inaccurate account and this account does not belong to me. FOR 5 months now the credit bureaus failed to send me proof and the courts has no record of me. This is inaccurate and this account needs to be removed. I will also file a civil complaint. The credit bureaus XXXX  and Experian failed to send me proof because they do not have it for over 180 days I been asking. This account is not my account. 
I am filing an complaint against XXXX and Experian because they failed to remove and inaccurate account " OFFICE OF THE ATTY GENER '' that is not my account nor can they verify because there is no record of me attached to this account. I WILL LIKE TO HANDLE IN A TIMELY MATTER PLEASE

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 2015-05-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I had a Macy's/American Express card XXXX The Amex portion was compromised and I received a bill showing a late charge. I had never used the Amex portion of the card and thought it was just my Macy 's bill. When I realized it was fraudulent charges, I contacted them and they started a claim in XXXX 2014. The claim is still outstanding and I have been receiving letters from their collections division. I have called at least XXXX times, each time they tell me it is still under investigation and they received the Declaration of Fraud paper in XXXX 2014, yet the case has not been resolved. I have been told multiple times that a supervisor will call me back regarding the issue, with not XXXX return call. I closed the Amex portion of the card immediately after realizing the fraud had taken place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-09
Company: Navient Solutions, LLC.
State: TX
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 agreed to set my account on " autopay '' for Navient to debit {$230.00} per month from my checking/debit account. On XXXX XXXX, XXXX, Navient debited {$480.00} from my account which is {$250.00} more than I agreed to pay monthly. They debited more than double the amount authorized without informing me of the increase. When I spoke to a customer service representative, she said that I received information about a graduated repayment plan in XXXX - yes, XXXX. That is 2 years ago. Since that time, my account repayment has been renegotiated on a couple different occasions, and no one informed me of the increase. The customer service rep told me that I received an electronic notification in XXXX XXXX that my payment would increase. I did not receive that correspondence. Even if the payment amount went up due to a graduated repayment plan, I NEVER authorized this company to debit more than {$230.00} from my account in writing, on a voice recording, by email, text, or any other method of correspondence. Even if they increased my payment amount, they should have billed me for any remaining amount higher than {$230.00} so I could either pay on my own accord or contact their auto-pay department to AUTHORIZE Navient to debit my bank account for a higher amount than what was agreed upon. In addition to filing this complaint with CFPB, I am also going to my bank to make sure this company can never automatically debit any amount of money from my account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My contract with Conn 's states I have 10 days from the due date before a payment is considered late. When I am 1 day late the company calls me anywhere from XXXX times a day. I have times they would call me every 30 min or every 1.5 hours for a bill that is no more than 2 days late. I have called and asked they stop but they tell me they have the right to collect on any outstanding debts. But it is not a debt. It is a credit card with a 10 day window to pay the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I signed up on line for a XXXX XXXX credit card. When I submitted the application, they instead created a XXXX XXXX XXXX which is not what I signed up for. I know about this scam because I know people who bought stuff on XXXX and without their knowledge the purchases were defaulting to XXXX instead of their bank accounts, and at ridiculous APRs. I called right away to tell them I do not want a XXXX and it has been over 2 hours talking to people at XXXX. The minute I tell them I want to cancel a XXXX they transfer me to an indefinete hold queue. This type of sleazy bait and switch I would expect from used car sales, not a large company like XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Other

Complaint:
Please know that I have filed a lawsuit against Bank Of America, XXXX, XXXX, And XXXX concerning the tradeline on my credit report from Bank Of America. I have already prevailed in XXXX of the cases against XXXX of the agencies. I have enclosed a copy of the complaint and proof of service. I am trying to avoid Small Claims and civil case. I am giving one last opportunity to correct their mistake and remove Bank Of America completely off of my credit report or correct the trade line as never late. 

In a recorded conversation, the representative said that they were not able to prove/send me anything that I was ever late. I have shared this phone call with the credit agency, and to Bank Of America Corporate, yet they continue to report inaccurate information about me and I have sent several rounds of letters to both Bank Of America And The Credit Agencies, all whom now have individual cases that I have brought against them, XXXX of which I have already prevailed with damages under the FCRA. 

At this point the damage has been done and I am holding all parties from the Information Furnisher to the credit agencies all responsible and have yet to receive any correspondence from Bank Of America Or The Credit Agency regarding any responses to my letters that I have sent certified mail, all were received. 

All of my previous letters via certified mail stated my reasons for dispute and were not frivolous in anyway. 

I will prevail as the protections afforded to me under the FCRA entitle me to {$1000.00} per violation. This is my final communication attempt before court in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-01-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Carrington mortgage services LLC and had an overage in my escrow account. I was behind on my mortgage so they would not return it to me ( the overage was about the same as I owed ) I just went through a loan mod so I am not behind anymore and the money is gone. I am told that they used the money in the mod because I was behind. I would n't of had to do a mod if they would have done that in the beginning. I asked why they did that I was under the impression that could n't be done. They put money in my FHA overage that I have to pay at the end of my loan. I asked for a breakdown of the money used and no one can give me one it 's over {$2200.00} and no one can show me where my money went. I did n't think a loan mod cost anything out of pocket until the end of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The furnisher 's name on the collection account is missing and Equifax continues to claim that the information is correct. This information is not reporting correctly and is not in accordance with the FCRA. I have sent several letters and they continue to claim is correct. I am attaching a copy of the account. 


Name of Company : Shows up as ( Original Creditor : ) Account Number:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
BOA are the frauds, theives. I have no idea why they placed a negative report on XXXX. If there was any suspected fraudulent activity whywas n't I notified?? Especially when they reported me XXXX XXXX & I had the acct till XXXX XXXX. They are the frauds. For several years they changed the order of my debits, POS transactions, etc. At least every month my acct would be in the negative. Sometimes as much as {$400.00}. I always kept very good banking records. Everyday I would deduct all my transactions exactly in the order they were done. When reviewing my negative balance and banking transactions over the phone. They always completely changed the order the transactions were done so the largest ones went thru first instead of the correct order which I deducted. When I would go to the bank to try to resolve my acct & fight for the fees back they always had my transactions go thru in their favor. I was a single mom with a child a house and XXXX jobs. They took XXXX off me. Approx that same year I along with thousands of others were involved in a class action lawsuit with BOA. Eventually I received a small compensation from it, but it was a drop in the buck compared to what they took from me. Please help me with this and maybe see if you cab have those theives remove me. Ty, 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 2016-12-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I have had a Best Buy Credit Card with Citibank for years. I did fall behind but caught up and have been making monthly payments on this account, trying to pay it off. Citibank continues to charge a {$59.00} annual fee and over the limit fees each month to my card. I have called them and requested they cancel the card. They are now calling me day and night, not leaving messages, just calling, letting the answering machine catch the call, then hang up, sometimes XXXX 4 times in a row. This has become harassment. They even call on Sundays all day. I was in a car accident in XXXX, 2016 which left me XXXX. I am still working as much as I can to pay off my bills but have missed a lot of time at work and therefore limited pay. ( letter attached )

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 2016-01-27
Company: TENET HEALTHCARE CORPORATION
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I had a debt with XXXX XXXX, a hospital in XXXX, AZ. This happened right when the branding was changing from XXXX XXXX to XXXX. I received many letters from many departments that all had something to do with a particular emergency room visit. After paying this, apparently there was another piece. I never got any other notices, nor did I get a single bill ever from Central Financial Control aka Syndicated Office Systems. This just suddenly appeared on my credit, and after resolving the debt, they refused to delete the line item. Many many collectors will do a paid in full/deletion, as it does my score NO help by having a paid collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Experian Information Solutions Inc.
State: IA
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: Their investigation did not fix an error on your report

Complaint:
I wasin a natural disaster distroying everything i owned and they are still sending me bills and dropping my credit with this information.

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 2015-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfers
Sub-product: International money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
We have a timeshare at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. We were contacted by XXXX XXXX XXXX and XXXX XXXX XXXX saying that they have someone interested in buying shares in order to have voting privileges at the resort. We participated for a while, including sending a wire transfer and providing our drivers license copies to them. Then, we began researching the companies and became skeptical. They placed many phone calls to us, but once we asked for all communication to be via email, reimbursement for our expenses, and to void on the deal, their communication has ceased. We have not received a refund, after them saying it would take 25-30 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX services changed my address for emergency purposes. When BOA asked my insurance company to provide proof of coverage the documents show the new address not the old address. I have provided BOA proof of the new address from my county at least 6 times via mail, fax and email. When I call in every person every rep tells me they see the documentation but do not know why it is not fixed and they do NOT have the ability to get someone on the phone. They keep just sending emails. Since this has occurred BOA has threatened me 2 times with buying homeowners insurance at MY expense because they can not get it correct. I have attached the documentation to this complaint.

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 2015-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I AM SICK XXXX TIRED OF THIS BANK TAKING MONEY FROM ME. WHY WOULD YOU LET A TRANSACTION GO THREW OF MY ACCOUNT IS ALREADY NEGATIVE THEN YOU CHARGE ME XXXX DOLLARS AGAIN THEN A MAINTENCE FEE FOR WHAT YOU HAVENT BEEN CHARGING ME ONE.I AM TIRED OF THIS AND I WILL BE CLOSING MY ACCOUNT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have submitted disputes through the normal process XXXX times and theinformation has not been updated in my credit report. I have includedproof of the payment information in this claim, which was also sent to the credcredit bureaus. Please have them remove or update the information asrequired by law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I had cable service with XXXX. When I returned the equipment because I was moving, XXXX said they would send me a final bill. I never got a bill, nor did I get a call from them ( I had the same phone number as when I was a customer ). My mail was being forwarded. The first I found that XXXX expected payment from me was when my account went into collection. I immediately paid XXXX, but the Adverse Account has ruined my credit. My account should never have gone into collection because I was n't billed or contacted, and therefore it should be deleted from my credit report. TransUnion refuses to delete the entry. XXXX, the collection agency, also refuses to request the entry be deleted because there 's nothing in it for them. I 'm not their customer so they do n't care that my credit is ruined.

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 2017-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Recently noticed inquiries removed and then reinserted to my credit report NO NOTICE WAS GIVEN and this is a violation of my fair credit reporting rights ... the inquiries are XXXX, XXXX and 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 2016-08-19
Company: First Step Group, LLC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
This debt was discharged because of the age of the debt in the State of Maryland. The original debt was from XXXX XXXX and it has been many years since it became aged out. The company First Step Group and XXXX XXXX XXXX is continually calling and sending demanding letters asking for payment. Then in small letters at the bottom it says because of the age of the debt they can not sue or report it to credit reporting agencies. Yet, I think it would be odd if the law allowed them to harass me to the end of time. If the State of Maryland has said the debt is old and I do not have to worry about it anymore that is just what I have done. They bought this debt for pennies on the dollar and that does not give them the right to try and bully me into paying them, which I am not. I would like you to reach out to them because this company is breaking the law in the State of Maryland by trying to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The reporting agency never sent me any kind of correspondence to make me aware of any debts owed.The reporting agency did not report the debt correctly altering date debts and amounts.

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 2015-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2015, I took out {$100.00} from a private ATM and accepted an additional {$10.00} service charge. I was shortly notified by Bank of America via text I had overdrawn my account and incurred multiple {$35.00} overdraft fees. After investigating my transactions I found that the ATM or private vendor had charged my checking account 7 extra times, accruing a total of {$880.00} with no cash distributed. I spoke with the owners of the establishment and they told me to take it up with my bank. I posted a complaint to Bank of America and they immediately credited my account with the {$880.00}. On XXXX XXXX, 2015 the Bank informed me that they had found no evidence of fraud or issues and debited my account the {$880.00} and also not reimbursing the overdraft fee. After contacting the private establishment of the ATM again, stating I never requested that amount nor received the cash from the digitally claimed transactions. They informed me it was not their problem.

Company response to consumer: Closed with explanation