BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-23
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I obtained a Loan to go to XXXX XXXX XXXX Mo, for XXXX XXXX in late XXXX. It was approx. {$10000.00}. I had a federal student loan. Later in in XX/XX/XXXX I went to XXXX XXXX College in XXXX Missouri for XXXX, obtaining my XXXX. I have placed loan on deferment from XXXX to do this. Navient bought out my loan from XXXX. I still after almost 30 years of paying loans have a balance of $ XXXX amount of dollars. I feel Navient is misusing my payments!!!! This should have been paid off along time ago. The young lady today told they take the payment and apply to interest first. I can not afford a large $ XXXX  monthly payment, I am a single mom and sole provider for my house. 
I know there are lawsuits out there due to Navient misuse of funds. Please help,,,,, how is it you can buy a car for {$30000.00} and pay off in 5-6 years but a student loan can not be paid off in 30!!!!!  PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Credit card
Issue: Balance transfer

Complaint:
I was scammed by a company called XXXX who said they could lower my monthly payments and interest on my credit card account. Once I realized what happened I notified my bank which has my checking and savings accounts and my credit card company. I did this on XXXX XXXX for Bank of America and XXXX XXXX for XXXX XXXX. XXXX XXXX and Bank of America both closed my old card and account information and issued me new cards and account numbers. After this Bank of America allowed a {$3800.00} cash advance, which I did not authorize, to process and this was deposited into my checking account. I am willing to repay the cash advance but Bank of America refuses to clear the cash advance fee or the late fee I incurred after I changed my checking account on their website, but they did not debit the account as they were supposed to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: TENET HEALTHCARE CORPORATION
State: TX
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 do n't know where this is coming from. I just got {$550.00} delinquent payment on my credit history.

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 2020-03-23
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IC System - XXXX- is reporting on credit and attempting to collect a debt that I do not owe. For one they just put it on my credit report without notifying me. But it is for a XXXX bill which is not valid. XXXX was paid already and this debt is erroneous and fraudulent.

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 2015-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was accessed an overdraft fee for a little over {$1.00} being overdrawn for less than a few hours. I 'm not denying the validity of {$35.00} fee, but I would like it waived as I do n't feel that the circumstances surround the fee justify it 's amount. I also received another {$35.00} overdraft fee, two days later, when my account, once again, was overdrawn for less than a few hours. 

On XXXX, I called the call center XXXX times and spoke with XXXX different managers. They all told me the same thing - we waived a fee for you in XXXX and we 're not going to do it again. And each time I told them that I would leave the bank, they said " we 'd hate to see you leave, but we 're not returning the fee. '' I even went above them and called a Customer Advocate who told me the exact same thing - I was confused who she was advocating for at that point, because it was clearly not the customer. And the same thing with her - she was willing to let a loyal consumer leave the bank before she budged an inch with waiving the fee. On XXXX, after being assessed the second {$35.00} dollar fee, I used the " chat with us '' system. I told the customer service representative what had happened, and he stated that if it was going to be resolved by being taken off of my account, than the first representative would do that. I then told him that I was going to file a complaint and he insisted that I wait for his manager. While waiting, I received numerous " we 're busy, we 'll be with you in XXXX minute '' responses. Nothing was resolved. 

I 've been with Bank of America for over five years. It has n't always been perfect, I 've gotten overdraft fees before - I 've paid some and I 've had some waived. At the end of the day, I 'm still a good customer with XXXX accounts, a credit card, and I 've told many people good things about the bank when they inquired about where they should do their banking. 

I would like to see the bank waive the {$70.00} in overdraft fees. If they are not willing to do that, than I would like to withdrawn my funds and begin banking somewhere that wants my business more than they want a fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-23
Company: United Shore Financial Services, LLC
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from United Wholesale Mortgage on XX/XX/2020. This letter advised me of transfer of servicing to XXXX XXXX. I havent received any notification from XXXX XXXX. This is in violation of the notification process. I have a VA loan that has never been delinquent. In this letter it advises me that transfer will be effective XX/XX/2020. I normally make payment on the last day of the month and am concerned that when I make payment to UWM that the XXXX payment will get lost in transfer making my new account with XXXX XXXX. Late. I have done research on XXXX XXXX. They have the worst rating of service in the Mortgage industry and have hundreds of complaints that have given me concern. As a Veteran Consumer it is absolutely the worst fear I have to lose my excellent payment record. 

This company XXXX XXXX must be investigated for all the difficulties that have been complained about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Balance transfer

Complaint:
I called XXXX XXXX XXXX to activate a replacement credit card today. The call was at approximately XXXX EST. The rep activated the card. He tried to sell me a balance transfer. I declined. He asked if I had any other questions. I told him I had recently transferred a balance to this card, and asked if I made a purchase how I would make a payment to avoid accruing interest. He gave me the correct information and then proceeded on a sales pitch to try to max out my credit line by direct depositing money into my account with a 4 % fee ( 18 month balance transfer ). He then went into the current soft pull of my credit report and told me that he saw I had outstanding balances with other banks and proceeded to use this information to try to sell me a balance transfer. 

I do n't have a problem with credit card companies offering their products and services. I do take issue with high pressure sales tactics, from a credit card provider, giving advice that will cause many to go into debt or irresponsibly spend. These sales tactics feel like the same ones banks/cc companies were using to position optional cross-sell products in 2010. For example, I believe he made the statement - " So this is a better option because it will cost you less '' ... which was n't true based on the information I had provided in the call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On  XXXX   XXXX     2017 I rec eived a phone call from  XXXX   XXXX  wi th National Credit Systems , Inc  about alleged money that I owed to  XXXX   XXXX   XXXX  Homes. I told her to send me proof in writing to validate the debt. I know under the Fair Debt Collection Practices Act that they have 5 days to send me the information. I received the letter yesterday,  XXXX   XXXX   2017. I t was postmarked  XXXX   XXXX     2017.   Included was an invoice from  XXXX   XXXX   XXXX   XXXX , listing various charges and it was addressed to the apartment that I had moved out of. I never received this original invoice, so I never had the opportunity to dispute or keep it from going to collections. I do n't believe they mailed it because I would have received it since all my mail was forwarded. I tried calling  XXXX   XXXX  after I moved out many times and I never once received a return phone call. They also never tried to call me about anything I owed. my phone number that they had on file did not change. In addition,  National Credit  Systems failed to prove ownership of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: FL
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 XXXX  : XXXX *XXXX XXXXl Account : XXXX XXXX  XXXX Account : XXXX Has Violated My Rights. 

15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors Apersonshall not furnish information relating to aconsumerto anyconsumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 : XXXX *XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX Has Violated My Rights. 

15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors Apersonshall not furnish information relating to aconsumerto anyconsumer reporting agency.

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 2021-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Bank of America changed the forgiveness amount of a PPP loan from {$9000.00} to {$290.00} after we provided more than ample proof that we used the money correctly. We have made countless attempts to rectify the situation and were promised on XX/XX/21 that the full amount of {$9000.00} was forgiven. We are now receiving collection calls and no help from any of their staff. Our paperwork keeps disappearing from their system.

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 2017-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had slightly more than {$1700.00} in my Bank of America account. 

I transferred {$1700.00} out of that account. 

After I put in the transfer, BofA withdrew an ADDITIONAL {$850.00} from my account ... and charged me overdraft fees! 

They said it was because a P2P deposit from my tenant ( on XXXX XXXX had " failed ''. But that " failed '' deposit had already cleared 3 weeks earlier! 

QUESTION FOR BANK REGULATORS : Can a bank or XXXX take money out of my account any time they want, even weeks after a transaction has cleared? If any transaction can be suddenly reversed *without warning*, how can consumers know for sure how much money they actually have?

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 2022-08-31
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX I looked at my chime checking account and saw a transaction for {$1100.00} to XXXX  on XX/XX/2022. 

XXXX I called Chime bank to file a dispute and make them aware that I did not authorize that transaction. I received the claim # XXXX and was told it could take up to 90 days to hear back. 

XXXX I received an email saying my dispute was denied XXXX I called Chime to ask for details for why my claim had been denied. I also transferred my money from that account to another account and closed my account with Chime XXXX I wrote an email to Chime disputing the denied claim XXXX I received an email from Chime stating that my case was denied because : *There were no abnormal PIN/personal identifiable Information changes visible during the disputed timeframe. 
*There were no rapid personal Identifiable Information changed, abnormal balance inquiries, or any other sings of Account Take Over in proximity to disputed timeframe *Suggesting the cardholder maintained control of the account during the disputed timeframe *No horde of denial codes are present XXXX I emailed Chime disputing their reasons for denying my claim because they did not investigate the merchant name that was connected to this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently sent out a debt validation letters to IC systems as they are reporting a XXXX  debt on my credit report that I do not owe. I personally have never signed up for XXXX before so I found this odd. After receiving validation for the debt it dawned upon me that this debt belongs to my father who is also XXXX XXXX and happens to live with me in the same Address. The main difference in out identification is his Date of birth is XX/XX/XXXX and mine is XX/XX/XXXX. This account which does not belong to me is now impacting my credit negatively, and its something I personally do not owe.

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 2022-08-31
Company: Flagstar Bank, N.A.
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for forbearance and now they are giving me no repayment options other than pay the outstanding debt in full. When this began, they told me I had options to repay. This included refinance, the debt being put on the back of the loan, or a repayment plan. Now theyre saying I have no options but to pay the debt in full.

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 2020-09-18
Company: American Financial Network Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
American Financial Network continues to practice predatory lending against vulnerable veterans in order to lure them into a VA loan that doesn't serve the customer but the business itself. Despite of requesting a removal from their mailing list, I continue to receive unsolicited mails which contents do not back up their claim nor endorsed by Department of Veterans Affairs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
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: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approvals. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   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 2017-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
On XXXX XXXX, I mailed in a letter requesting a credit investigation. Its now XXXX XXXX, and I have not yet received a 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 explanation
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 have been disputing incorrect items on my TransUnion Credit report. I have directly contacted the creditor, XXXX XXXX XXXX XXXX XXXX to verify that these 2 accounts are NOT Adverse accounts and have actually been paid off in good standing, never late and paid in full by myself. I filed the first dispute on XX/XX/XXXX and verified that these accounts were paid in full and NOT closed due to a Bankruptcy. Transunion did not change the status of these accounts. I filed another dispute on XX/XX/XXXX and mailed in more supporting documentation ( Bank statements showing both accounts paid in full, Mortgage Refinancing documentation that showed funds from my refinance paying off one of the XXXX XXXX accounts, Chapter XXXX documentation that verified that XXXX XXXX was NOT a creditor in my filing, as I paid all XXXX XXXX accounts outside of the Chapter XXXX ). They again, have refused to change these accounts on my credit report. I contacted the manager at XXXX XXXX XXXX XXXX XXXX that personally contacted Transunion and verified that all of my accounts were/are in good standing and paid in full. Again, Transunion will not change the status of these accounts. I filed another dispute on XX/XX/XXXX with the writtten documentation from XXXX XXXX XXXX XXXX XXXX that these accounts are in good standing and paid in full. I spoke with Transunion representatives both on XX/XX/XXXX and XX/XX/XXXX and they told me they are not changing the status of these accounts, even with files and files of documentation from bank statements, formal written communication from the credit union, etc. Transunion refuses to change these accounts and therefore, I wish to file a claim against them and if not satisfied, I will then proceed with filing a legal lawsuit again Transunion, as it has now cost me thousands of dollars lost due to the decrease in my credit report score. I have included in this form, all of the documentation I have sent Transunion, including bank statements showing payoff dates/amounts, refinancing paperwork showing payoff to XXXX XXXX on the second mortgage account, Chapter XXXX discharge ( XXXX XXXX was never a creditor in this case, as I paid all XXXX XXXX accounts myself ) and a written statement from XXXX XXXX that these accounts were paid in full and NOT closed due to the Bankruptcy.

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