BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-21
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
In XXXX of XXXX I lost my job and was not able to make student loan payments. My parents cosigned for the loan but their finances were nowhere near good enough to support the ludicrous {$1300.00} a month payment ( which at the time was double my rent ). After paying Navient for a deferment and regaining employment in XXXX of XXXX I discovered that the deferment did not prevent me from going into default and that Navient still expected me to pay the unsustainable loan amount. In XXXX of XXXX Navient reached out to me after I had been deliberately not paying the loan since XXXX because they refused to negotiate and finally offered to go onto a Reduced Rate plan. This was based on my parents ( as cosigner ) and my own debt-to-income ratios. The agreed upon payment was {$530.00}. This was a payment I could afford and the plan was good from XXXX of XXXX through XXXX of XXXX. They informed me that I would have to reapply for the Reduced Rate plan on a yearly basis. We just provided them with our financial information, which has not changed at all from the prior year, and it was suddenly determined that I no longer qualify and am now responsible for a {$900.00} a month payment - a $ XXXX/month increase! This is just yet another example of Navient 's terrible customer service and bait & switch tactics. No one in the company knows policy, they just make up the rules as they go along and faceless departments decide who is capable of paying what.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received messages from my former employer that a debt collection company was calling them several times a day for me. I have not worked at that company for over a year and they never called while I was working there. Today, I received a call from them. In the message they disclosed private information about my debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Good afternoon, I have received notifications ; via phone on XXXX/XXXX/2015 @ XXXX your collection agency left a voicemail violating federal laws ( FDCPA ) I called back to see why are they disclosing information over a voicemail. 

When calling back @ XXXX XXXX I spoke with XXXX in XXXX office, he started to give me my personal information like, address, last XXXX of social ( I did not he did, without even verifying who he was speaking with ) He then stated that I need to be transfer to XXXX XXXX, he then started to informed me that it was for XXXX XXXX and the amount I was due for. 

Again collecting and violating federal laws ( FDCPA ) he failed to mini-miranda me before disclosing the reason of the call. 

I then asked to speak with the supervisor ( XXXX XXXX ) to have my account closed out at a {$0.00} balance due to many federal laws being violated to the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: OK
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:
FCRA violations : payments never late XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$37000.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. $ XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4400.00} Status Account charged off. {$4300.00} written off. {$4400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8100.00} Status Account charged off/N

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: TrueAccord Corp.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My idenity was stolen in XXXX. Since then i have been battling to get accounts that are not mine removed from my credit. The company True accord has an account that they claim is my account. I have asked for verification of the debt many times to which they never adequately verify the debt. i have also sent in doucumentation to the collection company as well as the credit breaus to show that i have been a vicitm of idenity theft, yet they still refuse to remove the account. On ( XX/XX/XXXX ) i wrote a letter to the company offering to settle the debt beacuse my efforts have literally when no where to prove that i do NOT owe this debt. 

This company is hindering me from obtaining a home loan through tactics that are illegal considering i am showing proof that this debt is not mine. Today ( XX/XX/XXXX ) i contacted the agency by phone to do the same thing that i listed in the letter ( to settle the debt for a lesser ammount around {$500.00} ) The agency stated that they can not settle the debt for less than {$500.00} and the amount that is showing on my credit report is around {$1000.00}. I refused to pay the stated amount and wanted to report their illegal tactics. 

Once again, I DO NOT OWE THIS DEBT, but i figured it would be easier to just settle the debt and move on since this company refuses to honor my paperwork that i have sent in many times clearly showing that i have been a victim of idenity theft. I am trying to obtain a home for myself and my young child, i should not have to battle with this company to remove a debt that i do not owe in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I received an email from Bank of America notifying me that my credit card information has been compromised. They alerted me that a new card was in the mail. I then received a call from Bank of America 's fraud protection department. I asked which store or vendor had compromised my account information. They informed me that they can not tell me this information due to an on-going investigation. They then informed me that even after the investigation, I would not be able to find out who or which vendor compromised my credit card information. This information secrecy is atrocious and unacceptable. Consumers should have the right to know which companies are protecting their consumer data and which companies are not. Consumers should have the right to chose which vendors we do business with based on their ability to protect our security.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I contacted all XXXX credit report agencies -Experian , XXXX , and XXXX regarding a medical bill ( credit agency : XXXX for originally {$290.00} ) that is not mine and that I have no recollection of it. After the investigation by the credit reporting agencies, XXXX and XXXX both removed claim/charge from my report, except Experian. Experian stated by telephone and through mail that the claim is valid. When I asked how it was valid, they could not explain. I have asked XXXX different representatives, by telephone, how the claim is vaild and no one could provide me a " valid '' answer, except that " it 's valid ''. I made this dispute 3 times through Experian. Also, the original claim/charge from the credit agency was {$290.00}, but it is now {$310.00} because the credit agency claims that there is daily or monthly interests that will continue to be added until it is paid. When I explained to Experian that how could they allow the credit agency to continue to add interest to the account, when in the state of MD, interest from credit agencies on medical claims is illegal. One Experian represented stated that they have no control over that. I then stated that now the claim is invalid and now illegal because they are also charging interest on an original claim that was first displaying {$290.00}. I would like for Experian to show proof that I owe this claim since they claim it is " valid '', what proof did they receive the credit agency to claim such validity, and why are they allowing a company to keep reporting interest on a claim to them. I would like it removed my credit report, as I have no recollection of this charge being mine.

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 2022-02-25
Company: Movement Mortgage LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This file is in review for loss mitigation with Movement Mortgage. We have not gotten any real update since XXXX. We request call backs and escalate for updates weekly with no response. The lender is delaying the file on purpose. The reps that answer the phone state that they do not have to ability to transfer the call to a supervisor. Their only solution is to escalate the file and request for an update and that is getting us nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Eastern Account Systems of Connecticut, Inc.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
" XXXX '' communications shared my personal information to a collection agency named " Eastern Account Systems '' to collect on a past due debt that was n't even mine. The only thing this other person had in common with me was my last name! This seemed to be a " Phishing '' attempt to pay a " past due '' bill. And that " XXXX '' released my information without my consent or for " Just Cause '' .I believe that both companies involved behaved in an unprofessional manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Paypal Holdings, Inc
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I'm filling a complaint against pay pal for taking XXXX they fraudulent open account under my name then some one from pay pal called and emailed me told me to send XXXX dollars to them to close my account then they use harsh words that this will effect my credit and and everything thing else this is scary if pay pal doing this why is they still open I'm seeking mediation for my XXXX dollars asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received an invite from my daughter to apply for XXXX Credit Card a product from JPMCB and I did apply on XX/XX/2020 few seconds passed and I received the Denial based on my Credit Report but I have not received my credit report and denial as today XX/XX/2020 I have called and requested the denial several times but I havent received anything and in order to request a reconsideration I need the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are names, addresses, and incorrect employer information that needs to be removed from my report as this information should not be on there. In accordance with the Fair Credit Reporting act my rights have been violated. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I recently reviewed my credit report and noticed some unauthorized information on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this report

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 2016-11-08
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from Mitchell D. Bluhm & Associates, XXXX from XXXX, TX indicating of a debt of {$160.00}. I wrote a letter requesting proof of the debt they claim I owe. I received a response from Mitchell D. Bluhm & Assoc. Attached is a Statement of Account indicating I owe {$160.00} and a print out from XXXX XXXX XXXX XXXX Hospital indicating patient balance is XXXX. If I owe this amount I do n't mind being responsible for it, however, I need more proof than what they have provided. Based on what they provided it indicates I have a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30
Company: Netspend Corporation
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a bank account online with ace flare I believe there bank is XXXX. 
I had my social security checks going directly into my account and for two months they have kept my money from me. I tried using my card and it said call the computer ace flare rude people I dont know how they even sleep at night holding someones money from them. Anyway they knew where my money was coming from social security card they had my money kept from me over an audit mind you this is all the money I get it pays my rent and bills and medical barley they wanted me to send documents proving who I am against my better judgment I did online and so I sent them my Drivers license and legal documents on my address and social security number. After I did that they said my Drivers license was fake this is a Oklahoma Drivers license and  the doctor was from the federal government like social security number and Oklahoma Drivers license they caused me a lot of mental anguish and my rent and couldnt pay for my medical supplies and my bills i have a XXXX XXXX had XXXX XXXX and Im two months  late on my rent and bills and I could not even get my XXXX medication those people did not have any right holding my money and I still dont have my money they would not even open my card back on so I could pay my rent and bills and my XXXX medication and machine they said They will close my account and send a check in the mail but i will not get it for two weeks now that leaves me with no money for two months and two weeks I am so upset about this they have ruined my life and I want a judgment against them not only two months and two weeks of my money back I want them to pay for everything they caused me everything no rent might be on the streets and could not get my XXXX medication and XXXX medication because of this my bills being late and my mental anguish they put me through Thank you 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 2022-02-25
Company: Telsa Motors 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:
On XX/XX/XXXX my wife and I applied for credit to purchase a vehicle from Tesla Motors through XXXX XXXX XXXX XXXX. Our loan application was approved. Unfortunately, more than 60 days transpired with Tesla Motors not having delivered the vehicle to us, so the loan approval expired. 

On XX/XX/XXXX, Tesla Motors submitted new loan applications, without my consent, to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

I have contacted Tesla Motors numerous times seeking assistance since this has occurred, both by telephone and email, and have been informed by two associates that this is not standard practice ; however, Tesla Motors has been unwilling to acknowledge that the applications were submitted without my consent and has refused to assist in making sure that these unauthorized loan applications are retracted from my credit report.

The numerous loan applications, which were submitted without my consent, have caused damage to my credit report.

I am simply requesting that Tesla Motors either contact the banks they submitted the loan applications to on my behalf to retract the applications or acknowledge, in writing, that the applications were submitted without my consent so that I may present the necessary proof to the credit bureaus that the applications were unauthorized in order to secure the removal of the false information on my consumer credit report. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: MARINER FINANCE, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX finance repeatedly call my place of work when I have already notified them to not do so. It's gotten so bad that I decided to switch jobs due to the gossiping about the phone calls. The representative stated " well why can't i call here, there is nowhere saying i can not call here '' I told the representative that it is a inconvenience to speak with them at the time that I am working and my coworkers are listening when they talk to me on the workplace phone. I also told the representative that I did not list my place of work phone number to be reached at. The entire month of XXXX and XXXX of XXXX the lender continued to call me at my workplace. It got so bad that my coworkers were telling me that a " XXXX XXXX '' has been calling for you. At that point, I was really embarrassed. At the date of signing for my loan which was sometime in XX/XX/XXXX, the manager at XXXX XXXX ( XXXX, pa ) location spoke rudely about XXXX of my coworkers who he has worked with prior. In addition to that, he told my coworkers about the loan that I have with mariner finance. I went and tried to make a complaint about this incident in XX/XX/XXXX with XXXX finance but there has been no resolution,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My checks were stolen as well as documents with my signature. I reported my checks stolen to Bank of America. I even walked into a branch and received new checks and asked the bank not to allow any transactions on the closed account with only small pending transactions. I had a new account number created XX/XX/XXXX. 
On XXXX, the bank reversed charges, claiming that my signature was consistent with mine on file. Does the check fraud department do or do not know that signatures can be forged? The bank also makes an excuse how claim forms that were emailed to me were not received. I am sick and tired of Bank of America not covering claims. I am ready to go to a higher level of Law Enforcement that the Banks are not investigating claims correctly or not covering claims, which is fraud itself. I certainly hope that this agency does something about Fraud and this Bank for a change. I have another claim not covered XX/XX/XXXX that I want covered and reopened by this bank. 
I was also charged fees in another account which both accounts combined I never should have been charged.

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 2022-08-18
Company: EQUIFAX, INC.
State: FL
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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I originally had my mortgage with XXXX XXXX. XXXX sold my mortgage to Amerinat in XXXX 2019. I contacted Amerinat in XXXX to find out why I wasn't able to pay more mortagage. I was told that there was no account information available to me in their system and that I would receive payment information in the mail once it was set up.

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