BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-10
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
A hold was placed on my saving account ( XXXX ) because my institution said I was making more than XXXX transfers a month. XXXX, XXXX XXXX, 2015 I was stranded in XXXX NC with no idea what was going on. When I was finally able to get speak to someone. I was informed I am being penalized or punished because I have made to many transfers. First, I never knew it was wrong to use money I work hard for. Second, because the bank put a hold on my account, and closed off my savings as my overdraft account, they caused my checking to have NSF. Then they charged me NSF fees for something they did. How do you penalize, and steal from hard working people who need their money. I can see if the money was n't in my accounts, but to do intentional damage to your client ; and, then penalize them for your actions in wrong. I pay my bills online, because I work long hours ; and, to be told you ca n't get any money via the ATM, and you ca n't use your ATM card is wrong. I work hours that exceed normal bank hours ; and, it 's wrong to penalize hard working, law abiding citizens ; and, then justify stealing their money because of a hold you placed on them. I have money in my account, and I want my money back for those NSF fees.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: FL
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:
I contacted XXXX XXXX as Well as Navient to resolve as to why I was being called asking to defer or go into forbearance when I had been caught up on payment since Mid XXXX XXXX. When I spoke to XXXX they had no record of contact or loans since XXXX XXXX XXXX and that my loans were most likely transferred to Navient withot informing me. The gentleman then offered to transferred me to Navient. However when transferred I was Hung up on. Upon recalling Navient I was immediately told my account was over 100 days past due prior to even asking why I was calling. While trying to establish who I had been paying and on what loans XXXX ( the woman who I was speaking to ) continued to raise her voice and be unwilling to listen to what I was trying to resolve and told me my loans were most likely private loans and transferred me to that department. Upon transfer I was put on a loop with options that only left at the initial menu. I called again, after giving my social I was hung up on. Once again I called for a fourth time the person had no record of me graduating and listed as still in school even though I graduated in XXXX XXXX and had been making payment since XXXX XXXX. This person informed me they were going to transfer me to customer service to sort out why I was uninformed of my loan transfers to Navient from XXXX XXXX as well as how to straighten out " missed payment '' and " still in school status '' at which point I was once again hung up on and unable to reach a representative on call back. Since these calls I made on XXXX/XXXX/XXXX between XXXX EST and XXXX EST I reached out on XXXX on XXXX/XXXX/XXXX to consolidate my loans with another company to avoid the continued run around an lack of information from Navient as well as hits on my credit score and late payment fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
I'm a college student. I was recruited by a professor to participate in a paid research study. My first assignment was to order supplies for research they were conducting. They provided me with a check for the supplies. Something did not feel right and I tried to get out of this research study. I was then threatened by this Professor that I must do what they are saying or that my college record would be affected. Under duress, I sent {$2000.00} to email XXXX on XX/XX/XXXX via XXXX on the Bank of America XXXX. The confirmation number is XXXX 

After I did this, I realized it was not a real Professor and I was not buying supplies. On the XXXX contacted the bank and tried to get the transaction reversed, but it apparently failed. A day later, I did not see any activity on my account regarding this and then phoned Bank of America on the XXXX. The man I spoke with created case number XXXX and claimed it would be easy to retrieve my funds from this fraudster and that it would take less than 10 days to do so. He also claimed I would see a provisional credit posted on my account while this is ongoing. I did not see that appear. On XX/XX/XXXX, I phoned Bank of America again to verify the case number I was provided and the women confirmed it existed, and XXXX told me that it was a 50 % chance of returning my funds and that it would take 45 days. 

This is a transaction made in error under Regulation E and I'd like to retrieve my funds. The bank does not appear to be helpful for me. Please 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 2016-10-20
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Other fee

Complaint:
Since i dont use my citi thankyou premier card much, i decided to downgrade to citi double cash back card to avoid the annual fee. I contacted citi and asked to downgrade my card. They did it and told me that they would remove the annual fee since there is no annual fee for the new card. After 1-2 weeks later, I found out that the fee is still there and called them again, asking to remove. They told me they would do it. Now, it has been more than a month, they still did not remove it yet. They made me have to pay 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 monetary relief
Consumer complaint received 2022-10-01
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I had an account at Jp Morgan chase that was closed due to possible fraud, after a frustrating process, they closed the account and states that the entire balance will be retuned to me. After they close the account, the bank returned only XXXX, I am missing about XXXX dollars. I have tried to reach out to Chase and all I have was the run around from the fraud department about why I am having a difference balance that was deposited into my account. When I called on XX/XX/2022, I was informed that this amount was supposed to be a check refund to me from the XXXX company of XXXX. I was informed that I was supposed to have 3 checks in the amount of XXXX dollars each. However, this is not the case. The XXXX dollar was a rent check that was made out to my mother, which deposited by mistake into my personal account under my own name. I have tried to resolve that issue with chase, but they insist on either my mother to verify the check or have the Tenant do a recall. I managed to have the tenant agree to do a recall, however her bank refused and stated they can only do a dispute which will take 3-6 months. I have informed chase my mother lives overseas and have no way of being able to verify that check unless they are able to contact, which Chase states they are unable to make international calls. I just want the XXXX that was owed to me, deposed into my account in the full amount. Chase has made this progress incredible difficult and have offered no assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-04
Company: DISCOVER BANK
State: VA
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 received a student loan from " Discover Student Loans '' in XXXX 2015. I had a XXXX credit score at the time, and my Federal aid would not cover Out of State Tuition. I accepted the loan for 6-12 % fixed rate interest, sure that I would receive close to the lowest. Half way through the semester, I receive notice ( through the loan servicer, mind you ) that my interest rate would be the full 12 %, and I was forced to drop out, so that the XXXX half of the tuition bill would be refunded. Discover Bank used the most predatory loan terms possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: ProCollect, Inc.
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 is not mine

Complaint:
Originally this debt appeared on my credit report XX/XX/XXXX of 2015. ProCollect appeared on my credit report as a collection agency XXXX for {$690.00}. I currently live on the this apartments XXXX and i had never lived on this apartments before. I move in to this apartments XX/XX/XXXX 2015. I contacted ProCollect to let them know that the debt did not belonged to me, but they were not able to locate that account that appeared on my credit report.So, i disputed this account XXXX i send them a copy of my social security and my driver license. XXXX removed the account from my credit report but XXXX did not remove the account stating that ProCollect had validated the account. I made several attempts again to contact ProCollect and i had to go through a lot of loops to find a person that was willing to help me, i explained him my situation he was not able to find that account with my personal info he had to search by the apartment complex and he located an account that was under someone else name. that person had my same last name so he told me to send them my personal identifications and a copy of my dispute XXXX that it seemed that my social security was attached to the wrong person. So i send those documents and i also disputed the account XXXX again. The re-investigation was finished on XX/XX/XXXX 2015 and once again XXXX is not removing this account from my credit report and ProCollect is not willing to help me on this matter every time i call they are unprofessional and they are not able to locate an account under my social security or legal name but they are putting something on my credit report that they dont have record of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My Bank has routinely charged {$35.00} for payment of checks and electronic debits when there are insufficient funds available in my account at the time the item is posted. However, they have recently ( as of XXXX 2015 ) started to reverse the payment, crediting it back to my account, without crediting the fee, and subsequently returned the item as unpaid, for which they assess an additonal {$35.00} fee. and most recently, after this back and forth with paying, then returning the item has concluded, they have presented the same item for payment four ( 4 ) times in as many days, assessing the return check fee of {$35.00} each time. this has never occured in the history of my account, and when I asked my branch why this was happening, I was informed that, although there once was a law that limited banks to three times that they may collect NSF fees per item, today there is no limit to the number of NSF fees a bank may charge per item .... Because I did n't believe this was the result of an impatient merchant, I called the merchant who the check had been made payable to, in an effort to halt the snowballing NSF charges now topping {$210.00} for a check in the amount of {$40.00}. The merchant informed me that they do not make repeated attempts to secure payment of any item following the return of an item for non payment by the financial institution is was drawn upon. My bank refuses to acknowledge this double-dipping practice and despite the clear and irrefutable documentation that validates my concern, Im spoken to as if i lack the basic understanding of how a checking account works, and if that were n't enough, Im told, that If I just maintain a sufficent balance to cover the checks i write, this would n't be a problem in the future ... I am absolutely disgusted! This account is a joint account I share with my XXXX old mother who 's finances I manage. Her household finances are now in complete disarray as a result of her checking account balances fluctuating several hundred dollars from day to day. She feels completely helpless and it has caused her severe emotional distress. I have every intention of closing this account, and opening an account with a local bank with a better record of customer service, but not before I recover the total of these erroneous fees, now totalling over {$1000.00}. This bank has engaged in deceptive and unscrupulous practices for many years and I it needs to stop!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America offered me a modification on my home loan in XXXX XXXX, I signed the documents and sent them back in before the deadline. My next payment was not due until XXXX/XXXX/XXXX per the paperwork. I was spoke with my relationship ship manager she confirmed the paperwork was received and that as soon as I made my 1st payment on XX/XX/XXXX, they would bring my account current for XX/XX/XXXX and XX/XX/XXXX. That has not happened and Everytime I call Bank of America I get the run around no one knows what 's going on they ca n't seem to find my payments and my bank statement clearly shows the payments made to Bank of America. Also I actually made both my XXXX XXXX, XXXX and XXXX XXXX payment on the phone with Bank of America. They have been miss applying my funds and putting them anywhere except on my mortgage payment. The are not being honest and I not about to loose my home behind there misconceptions. They need to be investigated. This is the 2nd time I have had to file a complaint against Bank of America.

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 2016-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had to withdraw a sum of cash from my checking account with Bank of America. I had calculated how much I could with draw and cover an online debit against my account. I miscalculated. The debit occurred and overdrew my account by {$.00}. Bank of America sent me an email saying there would be no charge. Then they charged me {$35.00} and then an additional {$35.00} the next week for the overdraft. I have been a long time customer of Bank of America ; since they bought my original bank in the late XXXX. I have never complained. I called Bank of America. They refunded {$35.00} but refused to reimburse the additional {$35.00}. I find this highly excessive -- {$.00} overdrawn generates a {$35.00} fee. I spoke with a manager, XXXX XXXX, and he refused my request. This is beyond usurious. I am retired and on a fixed and limited income. I pay {$16.00} a month for the priviledge of allowing Bank of America to " manage '' my money. This is a drop of water to the XXXX dollar Federally regulated Bank of America corporate entity. It could have easily been remedied by XXXX XXXX but he stonewalled me with corporate policy ( that he would not provide me ) and the he was the final appeal for me on this issue ( although he did give me the name of his manager who I feel would have been an avenue for my appeal. )

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 2015-04-06
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a bank account with pnc bank. I had a over draft of XXXX dollars. they charged me XXXX over draft fee. then a administration fee and XXXX dollars every week over drawn reacurring fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I live in XXXX. On XX/XX/2017 & XX/XX/2017 someone if XXXX went to a XXXX Bank of America using my husbands name and made XXXX transactions for a total of {$22000.00}. The bank did not question it or notify me of this. I found it myself. I filed a Fraud claim with the Bank - Claim # XXXX. The denied the claim via email on XX/XX/2017 stating they had not been notified that or identification was lost or stolen and that the signatures on the items we claimed were consistent with the sample of the signatures on file with them. Neither are correct and we have never been to XXXX. I went again to the local bank today who contacted the Fraud dept and was told that the claim was denied and they would not re-open it. They would also not let us file a new claim on any transactions that were already filed on. Basically I 'm out my $ XXXX and that 's it, Bank of America will not return my money.

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 2016-12-14
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My current private loan payment is too high ( around {$310.00} per month. Some loans as high as 11 % interest rate! ) and they will not let me go into a reduced rate repayment program because I have a co-signer who refuses to cooperate. Instead I have to attempt to make this payment that I can not make and they will not accept a smaller monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Not willing to work with me to reduced my monthly payment. I pay over {$600.00} a month. Most of which goes directly to interest not the principle. only a few dollars each month is applied to principle. My interest rates are outrageous and variable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: PA
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:
PURSUANT TO 15USC1666B THERE IS NO SUCH THING AS A LATE PAYMENT!

PURSUANT TO 15USC1666D THE ALLEGED CREDITOR FAILED TO CREDIT MY CONSUMER ACCOUNT!

PURSUANT TO 15USC 1681a ( d ) ( 2 ) ( A ( i ) SUBSECTION ( d ) CONSUMER REPORT SUBSECTION- ( 2 ) EXCLUSIONS- EXCEPT AS PROVIDED IN PARAGRAPH ( 3 ), THE TERM CONSUMER REPORT DOES NOT INCLUDE -- -- - ( A ) subject to section 1681s-3 of this title, and -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; YOU ARE NOW WILLFULLY NON COMPLYING WITH THE LAW!

Pursuant to 15USC 1692g I have the right to request the method of verification on how the following accounts are being reported. 
Please send the following information used to verify the validity of 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 Items Highly Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute.

5. Also the procedures your company have in place to ensure each account is 100 % correct which i doubt.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If you could not produce such docs within 15 days you should delete the accounts from my report to prevent further damage. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: IL
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 XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress youve caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: KEYCORP
State: ME
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged bank acct wrong day or amt

Complaint:
Key bank has an auto loan I took out with a different bank they aquired. I called on Thursday to make a payment to the bank I authorized a payment of {$800.00}. The bank made a mistake and processed two payments for {$800.00} totaling {$1600.00}. When I noticed this they said they can only send me a check overnight in the mail. I will be traveling and needed this money to check into a hotel and they are basically telling me too bad. I

Company response to consumer: Closed with monetary relief