BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-22
Company: Firstsource Business Process Services, LLC
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I withdrew from school- XXXX XXXX on XXXX/XXXX/14 because of numerous issues. I asked for a final bill and was told it would take 30 days to review my account. I waited the 30 days and was presented with a final bill of which I paid in full. I received an acknowledgment letter dated XXXX XXXX 2014 ; indicating that after their review and all financial aid returned that I had a XXXX balance. I have that letter in my possession. On XXXX XXXX XXXX- contacted me and said that they applied grants to my current schooling after I had already withdrew .... some 8 days later on XXXX/XXXX/14 they applied grants to my tuition despite me being withdrawn from the school. None the less per their letter to me they had reviewed my account per their policy and presented me with a final bill. 
I have spent the last two years telling them I do not owe the money that this was their mistake and that I followed all their procedures and did everything they asked me to do. Why if they reviewed my account and found that I owed no monies did they come back say I now owe them money. They have sent me to two collections agencies who after reviewing my documents concluded they can not collect the monies. Yet AIU-online then sends me to another collection agency and I find myself repeating the process to stop the collection process for monies I do not owe. This has become harassment and the XXXX refuses to acknowledge that this is their mistake and one I will not pay for. Also they keep changing the reasons why they claim I owe this money. Please help me with this ... .. this has gone to far and I am at a loss on what to do.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Convergent Outsourcing Inc Is contacting me by mail to collect a debt I do not owe as I am a victim of Identity theft. This is not my account.

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 2015-04-10
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
THIS JUNK BE CRAY. I CANT STAND THAT THEY CALLING ME ALL THE TIME THE THE ACCOUNT AINT MINE. SO I SENT A CEASE AND DESIST THINKIN THAT WOULD HELP BUT IT DIDNT SOOS I SENT THEM ANOTHER. NOW THAT AINT WORKIN

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have had a XXXX XXXX XXXX Now Navient XXXX loan since XX/XX/XXXX that I have been trying to work with the lender to pay off. I have called XXXX XXXX numerous times to inform them that I needed modified options to pay XXXX which they did XXXX ) or different programs offered in order to find a way to pay my student loan. I have explained many times that due to my husband being military and I not working ( yet seeking employment ) we did not make enough to cover costs of living. My mother is the co-signer on the loan, but refuses to help in any way possible. I am trying to manage the loan and have argued for rehab options on a now defaulted loan in which no one will help. They want the full sum. While I understand to terms and conditions, I am trying my best with what I have and offering to give only what I can. I have been in school since XX/XX/XXXX trying to obtain a degree in fields where I know I can find work. My husband left XXXX to be with his family because he was being XXXX constantly. We ended up taking a huge pay cut which in turn made our finances even harder and drained our accounts trying to keep our finances at bay. We are living pay check to pay check trying to keep on our feet. I finally have obtained a job after moving back to our home state and are currently living with relatives because we can not afford to even rent. The pay is n't good, but it 's a start. My husband is currently starting a new job which should help with the finances as well. The military service does n't offer help in our situation as we have looked. My husband did apply for his XXXX benefits, but that is taking too long and the money that was supposed to help us is not even being sent to us as of yet due to the time taken to process the paper work. We are financially stuck and our only option at this point is to file bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
In XXXX of 2015 I offer to purchase a short sale of property with Bank of America after submitting all the documentation the contract, short sale agreement sign by both parties the bank send a counter offer which was accepted, waited for about a week to find out through equator that the negotiator have shut down the deal because he said he tryed contactingthe seller and due to lack of respond he closed the deal, and have us resubmit the whole short sale offer. We went through the whole process to find out after a month that the deal was dead beacuse the negotiator made the determination that the transaction was not an arms-length transaction due to the fact that a real estate agent was not used nor that the property was listed in the XXXX but instead in XXXX. ( by the way the saling price agreed upon was above the maket value of the property and no relationship whatsover with the seller making the transaction an arms-length ). Now in order to sale the property the seller have to re-list the property with a realtor which will increase the cost of the transaction, and to make matters worst I could not purchase the property as per policy of Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Notice of federal tax Lien is on my public record and it should have been remove since XXXX/XXXX/2014. All credit agency 's XXXX XXXX Equifax and XXXX still show it on my creditreport I want it off now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America has charged me in excess of {$2500.00} in NSF fees in the past 12 months. Recently, they charged me {$170.00} in under 48 hours before my direct deposit came through and paid the balance well into the positive. I have filed XXXX complaints, spoke with corporate and they refuse to give back my the money they took. This new form of payday lending is outrageous. For under {$100.00} in overdraft I paid back the {$100.00} plus {$170.00}. They know that most overdrafts are under {$25.00} yet they will charge you {$35.00} four times in one day like they did to me from XXXX/XXXX/16 to my payday XXXX/XXXX/16. I waited on hold for over an hour. I asked to speak with a supervisor, again on hold. The game is to see if they can get you to give up because they know from your direct deposit that you must be at work and that 99 % of people ca n't spend an hour at work on the phone with them. 
It is high time that NSF fees be looked at as percentage of overdraft instead of a flat fee. A 48 hour loan of {$100.00} should not cost {$270.00}!!!!! Stop allowing the loan sharking!!! The only person who benefits from NSF fees are middle management and up. They do this to millions of people a year!!!! Do the math on XXXX XXXX people charged {$2000.00} per year in fees - it is crazy!!!!

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 2016-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My Bank of America checking and savings accounts are connected so that I can avoid overdraft charges. However, the bank has transferred funds from my savings account and charged me a {$12.00} transfer fee when I was not in danger of overdrawing my account. For example I had {$34.00} in my checking account, on the XXXX of each month, I have {$25.00} transferred to my savings account. After that transfer, I would have had positive balance of {$9.00} left in the checking account, but Bank of America transferred {$21.00} and then charged me {$12.00} for the transfer. It seems Bank of America is determined to find some way to access fees from my accounts. This is the second time Bank of America has done this.

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 2016-02-20
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have tried to file a waste/fraud/abuse complaint with the Department of Education Inspector General and was referred here ( email attached ). 

I have been working with the Ombudsman 's Office since XXXX 2015 ( Case # XXXX ) to try and resolve issues with my account serviced by Navient. This has resulted in Navient making numerous changes to my account that typically cause further problems that need to be addressed. These " mistakes '' and " errors '' on their part always seem to result in paying more money towards my loan in the long term or sending in additional payments just to get Navient to look at my complaint. 

Navient has issued documents regarding these changes and they have sent copies of these documents in a timely manner to the Ombudsman 's Office. They have told my case worker that they are also sending me these documents, but I do n't think they 're actually being sent ; they 've supposedly been sent several times through email and traditional paper mail, but never arrive. I have verified my contact info with Navient, so I know they have my correct email and physical address. 

I am concerned because this latest " mistake '' on their part involved over {$4000.00} of interest being shown on my account that does n't belong there. I believe they are deliberately withholding documentation of changes being made to my account because it shows egregious and possibly fraudulent activity on their part. 

I am tired of being shuffled from agency to agency, with everyone who accepts a complaint either telling me it 's not in their jurisdictional authority or that they simply can not help. I have begun writing the offices of my elected officials to inform them of my being shuffled around by different agencies and of the abusive behavior received on the part of Navient, a federal contractor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On or around XXXX XXXX, XXXX, CMRE FINANCIAL SERVICES began reporting a debt on my XXXX Credit Report. CMRE never sent me a notice collection notice, nor was I sent a letter with the FCRA right to dispute advisory. I only realized CMRE was collecting on a debt when I checked my credit report. I immediately called CMRE to request for information to verify the debt. After reviewing the letter I confirmed that I had already paid another collection agency on XXXX XXXX, XXXX for the debt CMRE was attempting to collect. I tried to dispute the debt a few times with XXXX to no avail. 

I am resident of California and the original debt was dated XXXX XXXX, thus being over five years old at the time of CMRE attempted collection, and consequently one year beyond the state statute of limitations.

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 2016-12-14
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt was covered by insurance but was not properly billed. When contacted by Optimum Outcomes I sent a registered letter to them the next day disputing the debt and that it was covered by insurance. The letter was ignored. I continued to receive daily robo calls for over 3 months ( Got one today! ), stating that they were trying to collect a debt. I checked in the XXXX XXXX XXXX ( The hiring party ) website and corrected the incorrect insurance information, it indicated that it would rebill the claim. NEVER happened. No response to the dispute letter! I checked with my insurance company who told me it was covered 100 % and had never been billed. They now have posted a disputed collection on my credit report! They could find my SS # but not my policy #!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I had a home that foreclosed in 2010. I had XXXX mortgages, the XXXX being a Home Equity Line of Credit through Bank of America. The primary mortgage was reported correctly to the Credit Bureau as " Foreclosed '' while the XXXX loan was reported as " suspended '' which keeps me from being approved for a home loan now. I called Bank of America and spent over XXXX hours and talked to over XXXX people. Each person told me the same thing ; that my HELOC has been " charged off '' meaning I no longer owe them money because of the foreclosure. However, each person stated that they did not have access to or the authority to provide or produce any kind of document to prove that this account was charged off. I was referred to XXXX " specialists '' who each stated that they could help me and would fax me or call me back. I have not heard from either XXXX, they do not answer their phones, they do not return phone calls. I was hung up on several times. I was even told that it was Bank of America 's error in not reporting correctly to the Credit Bureau but they still have been unable to provide me any assistance in providing this account is settled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are currently showing 30 days late XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Convergent Outsourcing, Inc. has contacted me regarding a debt from 2004 and stated that I may just have been unaware of it. I have had no notices of collection or any indication of it on my credit report and they can not give me any more information on it other than I should file a police report since I think it is fraud. Since the statute of limitations for debt collecting in the jurisdiction of New Jersey is 3 years I consider this fraud and with no documentation from them I do not believe that I should have to pay this.

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: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a payday loan with XXXX XXXX XX/XX/XXXX. It became delinquent immediately. XX/XX/XXXX, they turned the collection over to XXXX XXXX XXXX. The obsolescence date for the 7 year time frame for falling off my file would have been XX/XX/XXXX. But XXXX XXXX put that date as XX/XX/XXXX ... when they received the collection. This is a violation of my federal rights. I disputed this with Experian and they left it on my file.

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 2016-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Continuing from previous complaint I filed with the CFPB, Bank of America has still not resolved the issue I have with the mortgage modification they started from XXXX XXXX and now I have been informed that I no longer qualify for a modification and have been put into Foreclosure. In XXXX XXXX I was informed by BoA that I completed the mortgage modification requirements and met all of their payment requirements ( 4 months of trial mortgage payments XXXX. I submitted the paperwork as instructed and waited for the closing paperwork to complete the process. The paperwork never came and no phone call from BoA. I waited two weeks then I called BoA to find out what was happening. They informed me on XXXX XXXX, XXXX that the paperwork was rejected by their document quality control department and now since the paperwork was now late the whole modification was rejected. They would not accept my modification. I called their Appeal Dept and filed an appeal. I was informed XXXX XXXX, XXXX that my appeal was denied without explanation. The very next day I receive a packet in the mail from BoA containing a new application for a modification. I filled it out again, followed the instructions again, had XXXX XXXX come to my home AGAIN and notarize all the paperwork and submit the new application request. I have since called 4 times to get XXXX XXXX to call me back on my cell phone and he has not returned my call so I can not get any answers about paying my mortgage, which is late again, or information on my new application for modification. I am making every reasonable effort to do as BoA asks and every time I follow instructions or submit paperwork, BoA finds a way to find fault with something and reject the request. I just want to pay my mortgage every month without having to XXXX someone down on the phone to make the payment. I want the modification process to be finished and my new modification be accepted.

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 2017-01-13
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I live in California and my mortgage company is located on the XXXX XXXX. I regularly make my mortgage payment on the XXXX, the last day before a late fee is charged. The remittance coupon clearly states that " If payment is received after XXXX, a $ XXXX late fee will be charged. '' The coupon does not state that the payment needs to be made according to XXXX. I called my payment in prior to mid-night XXXX on the XXXX and was charged a late fee. If the payment is reflected as the XXXX on my statement the next month, should I be charged a late fee?

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 2016-11-17
Company: CMRE Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I recently pulled my credit on XX/XX/2016 and found a debt with CMRE for {$180.00} I do not know what this is for and have sent XXXX letters XXXX which where certified asking for validation evidence bearing my signature showing I had any contractual obligation tide to such debt. I tried finding CMRE only to find that they are not licensed in the state of Florida to collect for any debts in this state. They failed to abide by FDCPA 807 ( 8 ) they had 30 days to contact the credit bureau and dispute they waited 60 days it was deleted than just added back on. They have now violated federal law by not properly investigating within the proper time frame and I have evidence of this via certified mail receipts. I am considering small claims court but I thought I would do this first since the debt will expire on XX/XX/2016 anyway. However should they not take immediate action and delete with the credit bureau. I will sue for XXXX for 1 ) defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting act. FCRA 623 ( a ) ( C ) {$1000.00} per occurrence This is effecting my credit negatively and has been humiliating and emmbarasing. The state will fine them as well. It would be foolish to ignore me I have kept excellent records with all communication for the purpose of filing with the FTC and XXXX office regarding all non-compliance of Federal laws. Thank you for your help.

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 2016-10-25
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card
Issue: Transaction issue

Complaint:
Some body used my JC Penney Master Card without my authorization on XX/XX/2016- reference # XXXX, amount {$0.00} XX/XX/2016 - reference # XXXX ) ) XXXX, Amount {$6.00} I want to know who abused my credit card.

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