BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
XX/XX/2017 As many customers I too have had issues with Bank of America hitting me with fees that seem ridiculous, mainly overdraft type fees. Im XXXX with a XXXX, and unfortunately I have XXXX. Because of this I occasionally make purchases that my relatively small bank account might not have the funds for. After getting nailed with ridiculous XXXX dollar overdraft fees I called in and talked to a BoA rep. I had them go into my bank settings, and set it up supposedly so I could not make purchases unless I had enough money to make them, which is what I thought a debit card was supposed to do in the first place. After that though it still happened, despite what the BoA reps told me, I called a total of three different times about this same issue over the years to " fix '' it, and still I get nailed now and then from the fees. I admit my bad memory problem, but when Im told one thing three times and yet another thing keeps happening its ridiculous. This fourth time I just called in and talked to yet another BoA rep. I asked her how a certain transaction was allowed to go through when I didnt have enough funds, which of course triggered a XXXX dollar fee. She couldnt exactly give me that answer. She kept saying its how my account was set up, even though I told her three different times I called BoA and was told it they changed the settings to prevent this. If I didnt have the funds, the transaction should have never went through, and the fee would have never happened. She said it was a transaction declined fee, yet the transaction was NOT declined the purchase went through fully on my end. All you have to do is XXXX " bank of america fee complaints '' and you can easily spend all night reading through the massive amount of complaint with BoA. After ten years being with them, Im seriously considering switching to a new bank as MANY already have. Some other banks even claim to not have these type of fees, sounds great. The amount of money banks make by nailing people with these fees is beyond ridiculous ...

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 2015-06-11
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Navient has violated the Fair Credit and Reporting Act by continued aggressive collection activities and harassing calls even after I submitted a formal debt dispute letter. After they received the letter they did n't respond addressing the required area and just sent me the promissory notes for my XXXX loans. The dispute is around the material change in loan terms, their ability to collect the debt, and even validating they own the debt. 

They did not adequately address the dispute letter and are in violated federal law by continued collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
On XX/XX/XXXX around XXXX at night I deposited a commission check for {$1800.00} into a ATM, the ATM took the check and did not say it received anything and did not return the check. I called the customer service line right away and was on the phone with them for about 2 hours before they said the dispute 's center was closed. I called the dispute 's center the next day to let them know, and the opened a claim which I was on the phone with them for another hour, I let know also I had a picture of the front of the check with all the account numbers and names and amounts, but they said they did not want it. Then on XX/XX/XXXX, I got a notification that my account was overdraft because they closed the claim and said they haven't found any check. I went to the branch the ATM took my check on XX/XX/XXXX and they said they there was nothing she could do, after I was there about 2 hours in total waiting in line talking to the teller waiting for the manager, and talking to the manager and I had her call the claims Department and was on the phone with them for over a hour and they said there is nothing they can do unless I had the ATM footage of me at the ATM on that date, the branch manager said she would escalate it and see if we can get the footage on the ATM. I told them I had the picture of the check, and that I needed them to deposit it because my account was over drafted almost {$1000.00}, they suggested I do the electronic despot on the app, and assured me as long as I did it before XXXX XXXX, I would be fine. I called the escrow office that issued me the check to verify the funds were still in the account and no one else has cashed the check, and they did say funds are still available, its never been cashed. I did the mobile deposit that same day at about XXXX XXXX. The next day it showed the deposit was on hold, and I had payments that were returned because the account was negative, I spent over 4 hours that day speaking to about 10 different reps in different departments because no one wanted to help me and they kept transferring me to the wrong departments and when I did get a manger on the phone they pretty much said that there is going to be a hold on my account until XX/XX/XXXX because my account is negative, because they lost my check originally. As of today XX/XX/XXXX I have had 4 payments returned so far, which I am going to get assessed returned payment fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-02
Company: HW Holding, Inc
State: TX
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've sent letters to the companies to who tries to collect a debt that's not mines. I asked for the original creditor and gave them 30days to verify the debt. No one did so they keep reporting the debt and lying to the credit bureaus Bout the debt being mines. I asked for proof, also 2 different companies has contacted me about the same debt. They change the date, payments and close and open it for how many times they want. They are hurting my credit score and I'm in need of help and also a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed a dispute on XX/XX/XXXX against XXXX in the amount of XXXX. XXXX. Bank of America never contacted me or allowed me to upload my documentation showing that the merchant said they would refund me in 30days. Today XX/XX/XXXX I received in the mail a notification from BoA stating they were siding with the merchant and they were going to take XXXX from my account on XX/XX/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 2020-10-13
Company: ENCORE CAPITAL GROUP INC.
State: IL
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:
I do NOT have an account with this company. These people are trying to make me pay money that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit System has reported a collection on my credit report that is false and inaccurate in the amount of {$4400.00} of XXXX 2020. I have contacted the credit bureaus directly and they are not removing the collection account per the regulations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: GreenSky, LLC
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
We went through Home Depot 's project loan, representative XXXX XXXX, to have our roof replaced this summer. They hired contractors ( XXXX XXXX XXXX ) that not only caused {$15000.00} dollars worth of siding damage while taking 2 extra days to complete the job, they were also drinking alcohol while doing our roof. We received an offer from that contractors insurance company for {$7500.00} half of what it will cost to have it replaced. Home Depot called us this morning and said these exact words " We stand behind the contractors insurance '' which means Home Depot is not going to do ANYTHING to fix or make this situation right. We still owe and need to pay the {$14000.00} for the replacement of the roof AND now come up with the {$7700.00} to fix the siding. We 've been in touch with XXXX XXXX and XXXX XXXX from Home Depot in regards to the price of the roof and nothing there has been handled or changed price wise. Not only has this been stressful but has been a financial hardship for us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My monthly payment recently increased ( almost doubled ) and unfortunately, I did not realize as I have the payment set to pay automatically each month. I made payments each month - just not the new amount evidently. Navient called me to tell me that my account was past due and that the late payments had been reported to the credit bureau. When I inquired as to why the monthly payment had changed, I was told that I had XXXX loan that had not been included in my consolidation, and that that loan had been in forbearance ( I did n't realize I had any loans in forbearance ). I was then told that the new payment now included my consolidated loans plus the loan that had been in forbearance which was now due. I requested paperwork to re-consolidate my loans, but after looking through additional paperwork that I had on file, it appears that I am on a graduated repayment plan. I called Navient again to try to figure the situation out, and the representative was not helpful at all - she told me to go to the XXXX website. So I still do not know if I have a loan that was not consolidated, or if my payment increased because of a graduated payment plan. I feel that if I had had a loan in forbearance, that I should have known about it ; that if I was on a graduated repayment plan that I should have been told ahead of time that my payment would soon be increasing ; and if I made my payments on time although not the proper amount, that it should not have been reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Phoenix Financial Services LLC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I live in XXXX XXXX, the calls come in in the middle of the night. 
I have told them as such and they hang up. This is a recent, since XXXX. 

These calls from Phoenix financial XXXX, XXXX Maryland XXXX XXXX XXXX, Maryland, XXXX, XXXX Maryland, XXXX XXXX, Maryland, XXXX XXXX  XXXX, Maryland, on caller Id . will hang up once I try to handle their problem. 

I ask pointed questions about the false claim to collect some mystery debt and then they hang up on the phone, when I try to investigate where this alleged debt comes from. which leave me powerless to clear this mystery debt up. 

So I have no idea what unsustained debt they claim to be collecting on. Furthermore I have not lived on the East Coast of the USA for 6 years. I have lived a debt free life since XXXX. I have been a XXXX XXXX XXXX, and the last two residences I have owned and lived in for 25 years has been mortgage free : paid cash in-full. I pay cash for my homes and vehicle since XXXX. I pay my credit card balance off every month since XXXX. I carried a balance and paid interest on my credit cards from XXXX to XXXX to finance, while working and attending XXXX XXXX, to pay for my wedding. 

What ever the alleged debt is I am not being proved with information too dispense of it. I get theses calls to collect, and not manage. From where I sit, I am not being provided with any information on the claims to address and rectify. Phoenix Financial only has an interest in collecting a mystery debt. 

These calls started to come into my phone XXXX. AS I have previously stated I have not live in XXXX Maryland for 6 years+ years, specifically I departed XXXX Maryland XX/XX/XXXX, and only kept a non resident presence in XXXX Maryland unto XX/XX/XXXX. I also have been living in XXXX, XXXX XXXX, XXXX for 3 years. 

Thank You. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VT
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Leased a 2015 XXXX XXXX from XXXX, XXXX NY on XXXX XXXX 2015. We live in Vermont so Lexus dealt with all the paperwork XXXX Vermont DMV. As of today, XXXX XXXX, we do not have our license plates and Lexus have told us that they sent in the paperwork to Vermont DMV on XXXX XXXX ( why this took a month from XXXX XXXX when we leased the car is a mystery no-one seems able to unravel ). Vermont DMV hane not recorsd of wither any paperwork nor the VIN # of our Lexus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
ON XX/XX/2022 I mailed TransUnion, XXXX, and XXXX about inaccurate information they are report to my consumer report. They have failed to provide with validation of these alleged debt. I need proof that an investigation was done. I asked for them to provide me with the following information. Who validated the alleged debt, time and date the investigation took place. and all evidence of alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Portfolio Recovery has made harassing calls to myself and my mother, a female left @ least 2 different voice mails on my mothers phone, stating " they will be at XXXX home tomorrow to take care of this debt matter " or we will be at her home around XXXX to get her to sign verification of debt, representative stated to me " that I was obviously stupid in regards to the law, this statement occurred after I ask him for proof that I actually owe portfolio money, and I stated you ca n't sue me if I do n't owe you the debt. 
I had asked them several times to stop the phone calls, And threatening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2020-03-18
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX # XXXX is reporting a charge off to my credit that should not be on there. I never received any kind of notice that this account had gone past due and no longer had auto payments nor did I get a notice that it charged off. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: EQUIFAX, INC.
State: KY
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:
There is a withdrawn  Federal tax li en still showing on my report that was withdrawn i n   XXXX   XXXX   2017.  On multiple occasions I have disputed this with Equifax, providing Equifax with copies of the IRS withdrawl form ( which I will also attach here for you ). I have also verified with   XXXX   XXXX  , KY that the lien withdrawal has been recorded. Equifax continues to improperly report the lien and refuses to recognize the withdrawal.  XXXX  removed the lien from my credit report immediately and  XXXX  is investigating

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On or about XX/XX/2020, I applied for an Amazon store card at Synchrony Bank. I was told by Amazon that I needed to do this to qualify for the {$100.00} store card as a promotion related to purchasing a new cell phone. There was no response and I made many telephone calls many of which were " dead-ends ), having to process through a menu. The menus always asked for an account number which, of course, I did not yet have. I finally reached someone who was no help ( he also asked for the non-existent account number. I realized that they may be having a problem assessing my ( perfect ) credit since I had frozen my credit bureau accounts. I immediately unfroze the account and still could get nowhere with the bank menu, or agents. They told me a different department would let me know the results of my application. I never heard from anyone. I re-applied and unfroze my account again. Again, no one would confirm why I was not approved. This remains the state of affairs. I will unfreeze again if they just advise me that they will review my credit and approve ( or reject ) my credit. I have never been turned down for credit! Amazon was totally of no help here, as well.

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 2015-07-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX XXXX, XXXX bank, opened a claim on my credit report for {$880.00}. 4 years later they closed it and Portfolio recovery bought the account and opened a new claim on my credit report on XXXX XXXX, XXXX for the very same amount {$880.00}. It has been more than 7 years since the initial debt was defaulted. I called portfolio recovery to discuss this situation and i was place on an extensive hold multiple time after i have stated the facts which are : - Same amount was claimed twice on my credit report by XXXX Bank first in XXXX which closed it out in XXXX then portfolio recovery in XXXX. 
- Original debt was defaulted back in XXXX why opening a new claimed in XXXX as if it is a new debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
XXXX XXXX XXXX with a XXXX XXXX XXXX submitted a request and Writ for Garnishment for a student loan which was consolidated with other student loans. They froze all my parents bank accounts dated XXXX XXXX, 2015. Still to this day, even after agreeing to pay a settlement amount, they have not notified the courts, took the money, or notified anyone, including myself. Also, they did not provide the original loan agreement. I believe this is another company like Portfolio Recovery. I have no information regarding this matter except for the Writ for garnishment. Also, this debt is past the statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: LoanCare, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The 30 day lates ( XX/XX/19, XX/XX/19, XX/XX/19 ) still shows me delinquent on all XXXX  XXXX and XXXX XXXX credit bureaus. This loan was paid in full by XXXX XXXX  via transfer. This is affecting my credit score and my ability to refinance. 
Please investigate and have this fixed and show the account paid.

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