BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-14
Company: SUNTRUST BANKS, INC.
State: MD
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016 my tax preparer XXXX XXXX went into Suntrust Bank at XXXX XXXX XXXX to make an XXXX XXXX dollar withdrawal she successfully made that withdrawal & left the bank within 25 minutes of leaving the bank, XXXX XXXX branch manager contacted her again and informed her to bring the money back due to a fraud alert due to deposits not being in the account holders name we were informed that if XXXX XXXX brought me to the bank and I verify my identity everything would be fine that was not the case when we got back to the bank the branch manager XXXX XXXX just wanted the money & did n't give any information as to what actions should be taken next nor did she review the information we brought to the bank I have been in constant contact with the Irs, Suntrust Bank, and the 3rd party preparer bank XXXX Bank. I have been able to get nowhere & they have constantly responded in a rude manner presenting horrible costumer service skills. I have limited information about my funds & Suntrust Bank internal department is telling me they can not give me a time frame as to when my funds will be released & and I was referred here to possible get a resolution within 10 business days of this matter being referred to the bank

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 2017-01-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have several repeated accounts in which show on my credit report for these student loans. I am a public service worker and tried to get into XXXX of the repayment programs, however a re presentative that I spoke with told me that I spoke with told me that my payments will be higher and this just needs to be paid. Meanwhile I know for a fact that XXXX of the schools I attended no longer exists. 
XXXX XXXX XXXX - XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: Pinnacle Credit Services, LLC
State: TN
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:
I have a debt on my account for a collection agency that i do not recognize, also getting phone calls for collection agency asking me to paid a debt who does n't belong to me. I am on the Do Not Call List and getting calls constantly from XXXX numbers I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NJ
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 currently have XXXX separate loans with Navient. XXXX out of the XXXX loans have a 6.75 % interest rate. The other loan has a 13.375 % interest rate. When I inquired as to why there was such a difference in interest rates, I was told they were different types of loans. I did not receive a solidified answer and was told they would submit a request to look into it. 
My second issue is that my statements are not reflective of my applied payments. Again, when inquiring why my statements were not reflective of payments made, I could not receive a clear answer. 
As a borrower, I have rights to know where my money is going, how it is being applied, and how the interest rates are calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
hello i have a couple things i want wiped off of my credit because i am not resposible for opening these accounts. There is a autoloan and credit card with navy federal XXXX XXXXXXXX XXXX. There is also a personal loan with XXXX XXXX. that took place in XX/XX/XXXX. XXXX there is an overdue XXXX account with alot of late payments that i had nothing to do with from XXXXXXXX XXXX  that i need off. It was opened XX/XX/XXXX. There is also a dent buyer account that is {$500.00} past due on my experian report, from XXXX XXXX XXXX ( XXXXXXXX XXXX ). I would like all of these that arent mine wiped off, and any other accounts that i didnt list to stay on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I have credit cards with Chase and I have contacted them to arrange payment. I indicated to their customer service contractor that I am having difficulty in meeting the even the minimum payments on all of my credit cards. I asked them if they have the same program that XXXX have extended to me ( 59 and 60 months repayment plan with lower interest rates ). They said that they do not offer such a plan and I should pay my credit card. I want to pay off my debt but I just need time to get caught up. Thank you for whatever help you can extend to me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America has not complied with California Civil Code 2924.17 ( a ) and ( b ). 
On XX/XX/2013 Bank of America approved MHA HAMP and MHA HAMP TPP. 
Bank of America caused to be recorded the NOD without ensuring all was accurate and complete and supported by competent and reliable evidence, and after substantiating borrower 's default and servicer 's right to foreclose. 
Also, just to correct a typo under CFPB complaint XXXX, the correct California Civil Code is 2923.55 ( f ), not 2924.55 ( f ) as stated.

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 2015-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opened a Bank of America account in XXXX for {$25.00} and was going to use it as a backup account. I had forgotten, until today when I received a statement from them showing I owed {$23.00}. Having never used the account I was curious what occurred. I called and they informed me the per the terms and conditions they fee 'd the account several times. I asked them to reverse the fees and close the account. They refused. I believe this is happening to XXXX of other citizens I spoke with XXXX XXXX and XXXX XXXX on XXXX XXXX. The stated the account had been access an {$11.00} fee XXXX times and I had gone from a positive balance of {$25.00} to a negative balance of {$23.00} and per the terms and conditions they could and would continue to fee the account. This means they made {$48.00} from an account with no activity. Again, this practice I feel is highly deceptive unles you read the XXXX point font on their XXXX page agreement you will find that they will fee you. That information needs to be very clear at the front and they should notify their customers if and when they would ever access a fee of this type giving them the opportunity to close the account or fund it to a level that would be adequate. This was never done. I 'm sure Bank of America is earning XXXX from this policy which becomes a tax, especially on low income earners.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-14
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: Account status incorrect

Complaint:
There are accounts in my report that should not be reported. They are not familiar with me and should be removed.

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 2022-11-01
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did a validation of debt with collection company EOS CCA that's reporting on my XXXX credit report. It shows I owe {$2100.00}, but i know nothing about this account and it does not belong to me. This EOS CCA company I've sent numerous validation of debt notices to this company and I still have not got a response. I ask for my original signature with the original creditor and original contract to show I owe this debt but I never received anything. I Know the fcra says the credit bureaus and collections compnaies have 30 days to respond and if they don't it has to be deleted from my experian credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: MoneyLion Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
hello i have a couple things i want wiped off of my credit because i am not resposible for opening these accounts. There is a autoloan and credit card with XXXX XXXX XXXX XXXX XXXX. There is also a personal loan with moneylion inc. that took place in XX/XX/XXXX. Aslo there is an overdue XXXX account with alot of late payments that i had nothing to do with from XXXX XXXX  that i need off. It was opened XX/XX/XXXX. There is also a dent buyer account that is {$500.00} past due on my experian report, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would like all of these that arent mine wiped off, and any other accounts that i didnt list to stay on my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

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 2016-08-04
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I bought my house in XX/XX/XXXX for XXXX, put XXXX down and pd XXXX for 15 years totaling XXXX. My mortgage went from XXXX to XXXX to XXXX to Chase and just got sold to XXXX XXXX XX/XX/XXXX Chase raised my mortgage from XXXX to XXXX. I called and faxed Chase w no response. In trying to resolve this w Chase they consistently put my house in the paper to auction but never auctioned it, only humiliated and embarrassed me. I enlisted XXXX and XXXX XXXX to help me resolve this. XXXX took thousands and XXXX tool there share and than disappeared. I did a declaration for XXXX XXXX from the Federal Trade Commission. Chase put insurance on my house from XXXX to present charging me thousands. I have so many fees on my loan and have paid almost XXXX dollars for and they now say I owe XXXX. I have a XXXX page letter and XXXX attachments. I need someone to help me pls as Chase just sold me to XXXX XXXX who is threatening to take my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I contacted Chase XXXX customer service on XXXX/XXXX/2015 to pay off my credit card. I spoke with supervisor XXXX, she gave me quote of {$1400.00} and I asked her to close my account. I confirmed with her atleast twice about no further payments or charges. She said, this is the only amount I need to pay and the account was closed on XXXX/XXXX/15. I paid the amount in full right away. Today on XXXX/XXXX/2015 I received a new statement with new balance of {$11.00}. I called the customer service and spoke with another supervisor XXXX XXXX. He said, he saw the notes of my previous conversation with XXXX on XXXX/XXXX/2015 and he even confirmed the pay off amount but he said, it could have been a mistake on XXXX 's end or maybe she did n't understand me properly that 's why she gave me wrong quote, which is off by {$11.00}. But I have to pay the {$11.00} because this charge is valid. If the employee ( S ) make a mistake, Chase should take responsibility of their under trained employees instead of making their customers pay for a valid mistake from Chase 's end. I feel like I have been defrauded and scammed by chase and I should not be paying the {$11.00} of charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-10
Company: JPMORGAN CHASE & CO.
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On or about XX/XX/XXXX I received a Home Loan from Chase Bank for {$98000.00} with a {$620.00} Monthly Payment Account # XXXX. On or about XX/XX/XXXX I received a document from XXXX depicted on XX/XX/XXXX was paid in full. I questioned XXXX about this and XXXX sent letter to XXXX about the above and I have heard nothing else. However, I have been paying monthly mortgage payments for XXXX years and XXXX months towards a paid home loan. That amount comes to without interest and penalties XXXX i want it returned or be reimbursed. 

Further, it appears that a second loan through XXXX was taken on the same property, in the amount of {$92000.00} on XX/XX/XXXX that bears my name and signature. And on XX/XX/XXXX Chase Filed a Satisfaction of Mortgage. Yet I continue to make payments. I am attaching or will provide CFPB with a copy of all records I have proving the above, upon request after I secure Log or case number to mail them to your agency

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They use a horrible robot-caller that is barely understandable. The robo-caller does n't connect you to a real person, but instead forces the contact to call back at a different number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
On XXXX/XXXX/17, I made a payment to my Bank of America credit card. I was credited for this payment and I was able to make purchases yesterday, XXXX/XXXX/17. Today, my card was declined inexplicably. I contacted the bank and they said it was because of a " payment error ''. They claimed to be resolving it but did not get a definite date. They also would not clarify exactly why I can not use my card. The money has been removed from my account. I feel as if Bank of America has stolen my money and is giving me the runaround. I wasted over 2 hours on this issue just to get an authorization for credit I already have available on my card. They also refuse to give me full credit for my payment. They also refused to expedite a resolution. I am extremely angry at their treatment, and I feel as if they have stolen my money and are giving me the runaround for something that is their problem.

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 2016-04-05
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Ten years ago, I went into a bad XXXX program that did nothing for my future. I lived off loans and eventually landed a job only to be laid off in 2008. I held part time jobs and tried to pay down some of my loans but when I decided to go back to school, the loans were in deferment. Now I 'm a teacher and trying to pay off debts but the once XXXX XXXX now Navient loans have almost tripled in size. I do n't know how to pay them off in my lifetime. Their staff is rude, the calls from them are harassment, unhelpful and I 'm trying to figure out a concrete plan before I start giving them money. I fully intend to reach a settlement and pay that sum off. I should have never been approved for these loans in the first place. I also hold blame to the University XXXX 's financial aide department for allowing this to happen as well. I was young and too naive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
XXXX University through ECSI. This would be the XXXX time my bank account number has changed ( I was not the one to change it XXXX and a payment has subsequently not been processed. They then charge late fees. I am unable to even check my bank account information for accuracy on their website. 

Furthermore, upon talking to a representative I was informed my bank account did not have a proper amount of numbers even listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was tracking on my credit report the actions of LVNV funding and a company who was also reposting a debt that I did not do and filed identity theft on those actions. 

now I see that LVNC Funding is saying they are claiming that a XXXX XXXX XXXX  and XXXX XXXX XXXX  both from something from the XXXX XXXX XXXX state I opened the account and reporting this as new reports. when their original reports were made and disputed in XXXX, XXXX, XXXX and XXXX. 

trying to declare the debts belong to a XXXX XXXX american that did not authorize the accounts. I have issued this as a discrimination and XXXX attack tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: PA
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:
After reading about the CFPB lawsuit against Navient, I believe I am victim to some of the alleged misdeeds by Navient. First, I was denied a cosigner release despite having a household income above $ XXXX. Second, I have been unemployed and without income as a XXXX since XXXX 2016, and Navient did not inform me of an income-based repayment option ; I was ushered into forbearance for the past year. The private loans are set to come out of forbearance in XXXX with a year 's worth of interest accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: TN
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
I am unable to spend any funds on my RushCard. I have waited on hold for more than XXXX hours. I ca n't get anyone to assist me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing for the correction of my Credit File from fraudulent information by having the fraudulents items removed from my Credit File. I have been sending dispute letters and CFPB Complaints to the Credit Bureaus and yet the Credit Bureaus have sent me nothing. I am executing my Consumer rights under the Fair Credit Reporting Act section 605b, which requires the Credit Bureaus to remove the disputed accounts and information from my Credit File that resulted due to identity theft. Also, the Credit Bureaus have been claiming that the disputed are verifed and are accurate per Creditors ' verification. However, the Credit Bureaus failed to send me copies of proof of verification from the Creditors. I believe that the Credit Bureaus have not done any investigation since they have failed to send me documents that I have been requesting fo quite a long time. This action of the Credit Bureaus is a clear violation of a consumer rights! If the Credit Bureaus do not comply with the reqyests, please understand I will initiate a lawsuit. Once again, I need the following items removed as soon as possible : 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 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 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