BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: OH
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 complaint is for Navient, and/or the former XXXX XXXX. I have student loans borrowed through the Department of Education, which Navient is now in control of. First, the customer assistance department at XXXX XXXX first took advantage of me by directing me to apply forebearances to my loans once they were in charge of my loans. Second, I have always been on time when applying for deferments ( or forebearances ). However, on one occasion I received a default status on this loan that was reported on my credit report. After calling XXXX XXXX, they admitted I was on time in filing for a deferment, but their processing department did n't process it in time. They continued to tell me that there was no way for them to remove the default status from my loans, and no way to remove it from my credit report. Third, after reviewing my credit report at a later time, I noticed they applied a second default status to my loan and credit report one year later at the same month for the same duration period. So there is an exact duplicate default report two years in a row for a mistake, which they even admitted fault for. I submitted complaints to Navient on different occasions and with the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: The CBE Group, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX about XXXX years ago in 2011. I canceled XXXX I was all paid up and sent back their equipment and that is what they are charging me for. I sent it back and I do n't owe them anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I do n't owe any money to XXXX for XXXX {$.00} this information is not accrete please take this out from my Credit Score ASAP Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, 2016 I went into a Target store in XXXX, California. I was on my way to give a speech and stopped at this store to buy some things. XXXX is an overwhelmingly minority community. I made XXXX purchases. 1 ) XXXX packages of alkaline batteries for {$31.00}. 2 ) A XXXX camera for my wife for {$210.00}. XXXX XXXX initially declined the charge. I respeat, XXXX is an overwhelmingly minority community. I immediately reached XXXX by phone and answered questions. They ultimately approved the charge. While I was waiting for XXXX to approve that charge, I gave the clerk my Bank of America ( BofA ) credit card and asked her to charge the batteries on that. That charge was also initially denied. In talking to BofA they said they wanted to make sure it was not a fraudulent charge and BofA approved the charge, which I thought was only for the batteries. However, she apparently accidentally also charged the {$210.00} camera on that. When I saw that, she agreed to back out the BofA charge. For reasons unknown to me, the charge was not reversed and I have now paid for the camera twice. Somewhere along the line, BofA cancelled by crredit card and said they would send me a new one, which they did, several days later. When I later went online to challenge the charge, all the form would let me do was call the charge a fraud. There is no space for mistake or accident. I 've now had SEVERAL phone contacts with BofA telling them what happened and said to not pay XXXX for this charge since they had already been paid on my XXXX card. I never challenged the batteries, only the camera. The last contact was just a few days ago. After again, explaining this to the BofA representative, I told here I would gladly pay for the batteries. After questioning her closely, she said there had not been a {$210.00} charge on my BofA credit card. I said, if that 's the case, then I 'd drop my challenge since, according tohere, there was nothing to challenge. TODAY XXXX/XXXX/2016, I got a letter from BofA. It says a charge of {$210.00} was placed on my credit card account because I agreed to assume responsibility for it which I NEVER DID. The good news is that, no doubt, BofA has recordings of all this which will prove my point, most especially the last contact a few days ago. That woman was either incompetent or untruthful. I now want BofA to eliminates this charge once and for all.

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 2016-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
I paid my card down I got s credit for a late charge the infirmation you have as og XXXX XXXX th is not correct. My credit card thru bank of Americe was reported to you as of XXXX XXXX but is not updated on the XXXX XXXX XXXX report it does not reflect correct balance and does not shown payments made or credit adjustments. Please call me at 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 monetary relief
Consumer complaint received 2015-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America reported my missing payments to my credit history in the midst of reviewing my loan modification application. I was originally told that I would not receive the modification ( and was approved ), then told that I would not be reported in the midst of the process ( which I have ). This has impacted my ability to secure future home loans with other lenders.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: Ad Astra Recovery Services Inc
State: LA
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
Collections agency was giving the wrong information from the payday loan company about how have the transaction was issue. and the date was inaccurate there was no transaction issued on those dates. After sending bank statements of how transactions was issued and paid back through my bank account. XXXX investigated and sent the results back stating that this account have been deleted from my credit file. I 'm asking for the same results from the other credit bureaus XXXX and XXXX to delete this account that been giving the wrong dates and information to them. Account # XXXX. Asking XXXX to notify all credit Bureaus of this result immediately as XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a Barclays Apple Visa card. I contacted Barclays via a website message to add a 0 % financing promo to my account because I was planning on making a large purchase for the holidays. I then followed up via telephone to make sure the promo was indeed added to my account. A copy of my website correspondence is attached. Despite this, when my purchases posted to the account, they were not placed on the promotional financing plan.

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 2015-10-21
Company: Quality Loan Service Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Received letter at my home address from Quality Loan Service Corp. It states : " XXXX, who services your home loan, has referred your loan to us for foreclosure on the above referenced property ... '' I had previously requested XXXX XXXX to send all snail mail re my home address to my XXXX XXXX XXXX XXXX XXXX agreed to do so, but apparently neglected to inform Quality Loan of this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
Bank of America has been in direct violation of the Credit Card Accountability Act of 2009 by constantly applying payments in excess of the minimum required payment to balances with lower APR. 
After multiple calls, BOA associates have acknowledged the issue and promised to fix it, but nothing was ever done. Furthermore, I 'm fairly certain that the same incorrect interest charges are applied to XXXX other customers. 
This issue has been going on for more than a year with my account specifically, and I simply have no choice but to file 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 explanation
Consumer complaint received 2016-07-25
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: Other

Complaint:
I have a credit card from Barclays Today I received a letter form Barclays indicating that if I did not use my card within the next 45 days ( Williams Sonoma card account ) they would not renewnot renew my card. The card has a XXXX balance. 

Is this legal? 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Payoff process

Complaint:
i went to pep boys and applied for a membership credit and asked for services as they did a terrible job and dismantled performance to my XXXX. i had complaint to supervisors as they refunded and i had to return to a different pep boys as they couldnt fix the issues. i had to as well complaint to the XXXX of the services as well had to complaint to head quarters of pep boys as they said they would take care of issue. they did but now they put a collection on my credit report as they said they took care of issue which is a strong slander as they never sent letters and breached my data and persnoal information. the damge to the vehicle was bad they had to lease a new vehicle as the performance was not working proper.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I realized starting XX/XX/2015 that it seemed like I did n't have as much money as I had put in my Bank of America Checking account. By XX/XX/XXXX, I was unable to pay my bills even though I was working full time, and I was forced to take a loan out. At that point, the loan seemed to disappear. There were a few transactions that were n't mine, but not enough to equal to what was missing. I printed out my bank statements and realized that what I purchased was {$5100.00} less than what came out of the account. That was in XX/XX/XXXX. It seems like every time I buy something, double that amount comes out of the account. 
I have called Bank of America repeatedly and they wo n't do anything about it. 
I have lost my house, was forced to move away from my family, and have defaulted on all my bills due to this problem. I have serious health issues that are going untreated at this time. 
Someone I knew told me that they heard that people were stealing money out of the account in XXXX XXXX, and Bank of America has a picture of a person attempting to make a withdrawal out of my account for {$800.00} XX/XX/2015. I know this because they called and asked me to approve the transaction, and I told Bank of America it was n't me. This happened where I lived, in XXXX, CA. 
Bank of America told me I did n't have to do anything and they would take care of it. I continued to have theft on my account and when I finally asked them about what there investigation had turned up, they would not give me a photo of the person. They told me they were not allowed to and I should have made a police report at the time if I wanted the photo. But I was not told to make a police report to get the photo of the person at the time of the incident. They told me I would have a name as soon as they did. 
Due to Bank of America 's actions, my life is ruined. My credit is in shambles and my health is deteriorating. I have tried to make police reports but due to Bank of America 's actions, the police say I have nothing to report. Everything was take from me and Bank of America is complacent in it.

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 2015-07-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I previously encountered hardships with respect to my mortgage and secured the services of an attorney to assist with such. At that time, my mortgage was upside down, and I underwent a financial restructuring process and my attorney assisted in lower my debt. Chase, who held the XXXX mortgage on my home, was contacted by my attorney to facilitate such. At that time, I wrote a letter to them in XXXX XXXX explaining the financial and medical hardships I was experiencing, and requested the same be forgiven. My attorney received a letter from Chase advising that the debt had been cleared. After receiving the letter, I contacted Chase a few times to confirm the debt had been wiped out and was advised that was in fact the case and I was sent a Satisfaction of Lien in XXXX XXXX. After receiving this notification, my XXXX mortgage went through a refi process through the new HARP program. Since Chase wrote off my debt, we did not include it. Afterwards, my attorney and I concluded our business and terminated our relationship. In XXXX XXXX, I was contacted by Chase and advised that they released my debt in error and requested payment. I wrote to them on XXXX XXXX, XXXX reminding them that the time to negotiate was when I had an attorney who was retained for that purpose. They were well aware that I was represented as my attorney wrote to them on several occasions. I requested a XXXX to file in accordance with the Mortgage Forgiveness Debt Release Act which they failed to provide. I requested that they honor the prior agreement and advised that I will not be making any payments in which they never responded. Chase went several months without contacting me. However on XXXX XXXX, XXXX, I received another letter attempting to negotiate the debt which is highly improper. At this time, since it appears that Chase is refusing to honor their prior commitment, I am filing a complaint and am requesting your assistance on such.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: Seattle Service Bureau, Inc
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
my caller id identifies them as " PHONE CALL '' but number is XXXX, person on line identifies themselves as National something and then say is the " XXXX '' I say I am not them and please stop calling as this is a unlisted number and I am not the person they are trying to contact and I have reported their number 5 times before to the ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am having another issue with TransUnion keeping my files accurate. Now they have my currect address incorrectly reported as my previous address. What can be done to make sure that my profile information stay updated. If they can not keep consumers information correct then this company needs to be changed and stop handling information for consumers. 
My Current Address is XXXX XXXX XXXX, XXXX, LA XXXX and not XXXX XXXX XXXX, XXXX, LA XXXX. 
I have lived in XXXX, LA since 2012.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I 'm complaining against this company for many reasons : # 1 I received documents after my FIRST dispute stating that they will no longer investigate any of the accounts that I disputed which is a violation of section 1681 - Congress states that once I notify the CRA 's that there are inaccuracies, they are required to investigate and provide results within 30 days. I continue to receive this same statement even though I clearly list my disputes and label what I is not accurate # 3 There are accounts that have had no udpates since 2015 which clearly shows that there have been no investigations whatsoever # 4 I 've requested the documents that they are using to verify these accounts as allowed under section 609 - Consumer disclosures - all documents contained in my files - Congress states that the bureaus are required to have these documents prior to reporting the accounts to ascertain that this information is valid, accurate and complete which means that there should be NO problem sending this information to me. Congress also states that the only legal form of verification is firsthand knowledge - that means that they must either be the actual creditor themselves or have the physical documentation - I require this information immediately to pass on to my attorney *I 've included my dispute letters, credit report, identification

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 2016-11-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX is still showing on your credit report stating that there is a balance of {$940.00} on XXXX/XXXX/XXXX i sent a letter requesting validation but received a return letter on XXXX/XXXX/XXXX stating that they sold to another company, XXXX XXXX XXXX on XXXX/XXXX/XXXX this account should not be on your report and I want it removed. Immediately. I have since sent another letter on XXXX/XXXX/XXXX to XXXX, still listed on my credit file and XXXX XXXX onXXXX with no 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 2016-03-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX is fraudulently reporting Charge Off collection remarks against me. This is duplicated on my experian report XXXX.Chase Bank according to the FCRA needs to be deleted entirely from my credit portfolio due to being past stature of limitations, The last payment/transaction on this credit card dates back to XX/XX/2009 and is well over 7 years ago

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 2016-11-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I was woken up by a phone call from Synchrony bank XX/XX/XXXX. I did catch the name but he was harassing me on why I have n't made a payment and I told him that I been short on funds and will try to get some out of my XXXX plan. His response was " fine then you 'll make {$1500.00} '' and I said no maybe {$800.00} or less depends on what I can get out of my XXXX. And I only owed {$200.00}. And he said " you will have {$800.00} or else. '' Then by XX/XX/XXXX, {$800.00} was taken out without my permission. Left me broke and could n't pay my other bills. I tried to resolve this through them but they told me it takes 15 to 20 days to look into it. 
I talked to a lawyer and he said to go through my bank to reverse the transaction. And to report them the feds for harassment and fraud. He also said it does not take 15 to 20 days to look into it. It means trying to cover their XXXX. The lawyer also said that I can sew but it 's hard if I got the money back.

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 2015-12-01
Company: Conn's, Inc.
State: TX
Product: Credit card
Issue: Other

Complaint:
for XXXX entered into an agreement to combined XXXX accounts into XXXX account. All docs were emailed and fax 'd several times. The email address and phone number to that particular department ( combined offers ) Never get a response nor does anyone answer the phone, and the rollover feature that 's on the phone is bogus. When I called into the main number I was informed its in process, I called XXXX and XXXX to express my concern on how this is going to be reported, as I have been told a payment is not due while this is being worked on. I was told several time this will not affect your credit. XXXX they reported XXXX delinquent. This dropped my fico score XXXX points, I guess because its multiple accounts. i called to inform them of this. Conns have some very unethical practices and do some things illegal. Such as call your number cell and home XXXX times a day and leave numerous messages. i have never been 30 days with this company and have paid accounts off early. but yet they call prior to the bill due and after, they have several different numbers they use, its harassment. it is very stressful!!! its unfair to treat customers this way. I have uploaded a few pages of my credit report. Thank you

Company response to consumer: Closed with non-monetary relief