BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-23
Company: AES/PHEAA
State: AZ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
National Collegiate Trust and it 's affiliates were notified in writing, over 2 years ago, to cease communication about a debt I have continued to dispute. I was advised this particular debt was included in my XX/XX/XXXX bankruptcy, so I was surprised when I received their collection attempt in XX/XX/XXXX. I immediately wrote a letter disputing the debt and asked the company to refrain from further contact. I sent this letter to XXXX different addresses. I also included my bankruptcy paperwork. I told multiple collection agents about the bankruptcy and letter before I finally stopped answering their calls. I was recently informed that all collection attempts after my XX/XX/XXXX letter were out of compliance with FDCPA regulations and that I should file a complaint. I am in the process of validating the debt, but I want to make sure this company follows fair collection practices in the future. Other consumers need to know about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Debt which is paid in full has been bought by a zombie debt collector and needs to be removed immediately.

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 2016-03-21
Company: Conn's, Inc.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I got some furniture from Conn 's in 2014. Last XX/XX/XXXX due to over whelming bills I discided to file bankruptcy. The last part of XXXX. I lost my job. So I could not finish the payment of it. My lawyer told me to stop payments to all my creditors in XXXX Conn 's started calling on the hour in XXXX. I tried to ignore them after telling them that I was unemployed and to stop calling me XXXX12 times a day. Today they have called 6 times. When I spoke to Conn 's conserning the amount of calls they said it was on a auto dialer I then told them to take me off the auto dialer because that was harassment they wake up my Mother and brother everyday. All day long. The phone is in my brothers name. Now I can understand XXXX or 3 calls a day but XXXX to XXXX is unreal. So please I beg you look in to this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
A {$25.00} fee was charged to my account in XXXX. I called and it was reversed. It was charged again in XX/XX/2016. I spoke with XXXX and her supervisor XXXX. It seems the terms of this type of checking account have changed. I asked when and if I received written notification. I did not get any information. Again I asked that the {$25.00} fee be waived. I was told no. I changed to the core checking account. I feel that Bank America changed the terms and conditions of my account at some point and is misrepresenting the notification. Additionally they will not tell me when he terms changed and how I was notified. After 20 years I am disappointed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23
Company: SYNCHRONY FINANCIAL
State: NE
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get at least 2-3 calls a day sometimes less than an hour apart

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XXXX, I had to enter a court ordered XXXX  at the XXXX XXXX XXXX, XXXX Georgia, and my XXXX XXXX card did not get paid on time a few times in a row, due to that situation. These look like missed payments, but in actuality it was a family miscommunication and autopay did not get turned on. 

The same in XXXX, I was placed in XXXX  because I have an XXXX  problem. Since then I have got my act together, my debt has dropped tremendously, and my score has raised, but these " missed payments '' are still on my record because the State of Georgia XXXX XXXX 

Late payments have not happened since. Can these be taken off?

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 2016-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a phone call from Bank of America this morning letting me know that I had missed a payment ( about a week ago ) on a mortgage. Bank of America Variable Rate XXXX XXXX XXXX XXXX I said that I would log into BofA website and check the status and make a payment. They told me that PAST DUE payments are NOT displayed on the website, only future payments. Sure enough, when I logged on, I could see my NEXT payment due but not my current slightly late payment due. This is STUPID. How can I pay what is past due if the website will not show it to me. So I just paid and added {$100.00} or so to make sure it was covered. I then tried to find some way on the Bank of America website to send them a email or message to describe the problem. and I could not find any link to email or message them on line. This is STUPID. 

I might add that I missed a credit card payment by two days, and I made that payment today. But when I went to the Bank of America website it DID NOT show me the amount that was due, but it showed me the total due INCLUDING A PAYMENT NOT DUE FOR ANOTHER 25 days. STUPID STUPID STUPID. My credit card ending in XXXX Seems to be a pattern here, if I miss a payment on a credit card and log in, it shows me the total due included an accelerated amount for a payment not yet due. This is insipid.

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 2016-12-19
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no knowledge of said debt and I would like to have it removed as it is reporting to the credit bureau as an open account and negatively affecting me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
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:
I graduated from California School of XXXX XXXX XX/XX/2010 and I was forced by the school to take out loans to cover the cost of my education. I had to take out a federal loan for {$10000.00} which now I owe {$7600.00} and XXXX in private student loans from XXXX XXXX which I have been paying since and the amount does not seem to change at all, I now owe {$51000.00} to navient.I have recently lost my job and I have no income and currently looking for a job. When I called Navient to ask for help and see what options I have, I was told since I have a private loan I am basically out of luck and even if I do n't have an income I have to make payments. I even explained to the representative of navient that my school has now been closed due to fraud and the lies that the school told all their students and I asked if I can get any kind of forgiveness since I cant use my degree and again I was rejected and I was told I have to make my $ XXXX monthly payments. The representative even suggested I ask my parents for money which I find very disrespectful as a XXXX year old man. My student loans have completely ruined my life, I can not even go back to school because I am under so much pressure to make my payments every month. I am currently past due on my Navient account by a month and I get at least 10 calls a day from Navient leaving me voicemails and trying to collect. I simply do n't know what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I returned money from my loan within 90-days following the distribution of the second half of my loan for year ( i.e. money distributed in XXXX -- & gt ; money distributed in spring, which I then returned part of the money ). However, instead of having that money being returned to the principal amount, Navient handled that refund ( i.e. I had no other option ) so that the money returned went towards interest and repaying off the first half of the loan ( XXXX loan ). As a result of this money going towards interest rather than all to principle ( which should be case given I was returning it within 90 days ), I ended up having to pay more since my principle was higher and accumulating a greater interest over time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am needing some assistance. My mortgage was part of a bankruptcy that was discharged back in 2013. My loan modification was never re-affirmed and since then anytime I am late I receive foreclosure notices. I just finished getting my loan re-instated from a fore closure. I am at the point where I cam considering a federal lawsuit against Bank of America because they refuse to help me by way of getting my loan re-affirmed. I ca n't refinance, I ca n't get a line of credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
on or about XXXX/XXXX/15 XXXX XXXX credit withdrew XXXX of dollars from my wifes checking acct when she was trying to make an automated payment of {$25.00}. a XXXX later, she was admitted to XXXX XXXX, and we were not aware of the problem until over a week later. we contacted XXXX XXXX, ( the credit card co ), and bank of America almost on a daily basis for a XXXX of weeks, this included several XXXX way calls with both companies reps. I have also made a couple of visits to the bank and spoken with the manager ( who by the way is short with me, and dismissive of my concerns. ) XXXX XXXX reps have been very helpful in trying to resolve this problem, but the mgr at the bank has been hanging up on them and totally unhelpful. the money was sent back to my wifes acct on wed XXXX from XXXX XXXX in the amount of {$500.00} but nothing has showed up in my wifes acct, which has been in the negative {$170.00} for over a month. this acct is only for her small XXXX check ( approx. {$200.00} mth ) According to bank of Americas rep, there is no record of this transaction, and the people at XXXX XXXX have a record of it being sent on XXXX @ approx. XXXX XXXX EST. I NEED Y0UR HELP!! I have called and called and as of today ( XXXX XXXX ) there is still no action, and the acct is still negative. I do n't know what bank of America is doing with this money, but they are totally dismissive of my concerns. please

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-06
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The account is inaccurate and do not belong to me, please delete.

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 2016-10-21
Company: Navient Solutions, LLC.
State: TX
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:
These private loans with Navient were issued under duress. They involve predatory practices and take advantage of unsuspecting new college students. Navient ( formerly XXXX XXXX ) should not be allowed to pursue collection on these accounts. I believe these loans violate lending laws, FCRA laws and debt collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX/XXXX/XXXX I received a XXXX form from XXXX XXXX XXXX XXXX for an alleged account I never heard about. I never received any correspondences from this company. My husband called and spoke to a XXXX at XXXX XXXX on XXXX/XXXX/XXXX at XXXX time, who told him that the department that handled it was closed at to call back on tomorrow by dialing the same number XXXX XXXX ) to Ext XXXX. We then contacted the original creditor listed on the XXXX ( Discover XXXX ) and spoke to a XXXX XXXX at XXXX time until XXXX time, who informed us that this alleged account was opened XXXX XXXX and was sold XXXX XXXX and the address listed on the account was XXXX XXXX XXXX XXXX XXXX XXXX La XXXX, which I never lived at. we asked if we could file a fraud notice because this was the first time we have heard about this alleged account that 's over 21 years old, he said because the account was no longer in there system they could n't do anything. He gave us a number to the company it was sold to in XXXX XXXX XXXX ) but it is no longer for a collection company. So my husband called XXXX XXXX back today ( XXXX/XXXX/XXXX ) and spoke to a XXXX at ext XXXX and asked her about the alleged account and she stated that they brought the account in XXXX and tried to reach me to collect on the alleged debt. My husband asked her how could they try to collect on an alleged debt that was 10 years old at the time they brought the account in XXXX since the account was closed by Discover in XXXX, she said it was valid at the time to collect on it but the Statute of Limitation of Debt Collection in Texas is 4 years. She was asked how could they send out a XXXX without notifying us of the alleged debt, she kept saying they tried calling and sending mail but it was getting returned, but they were able to mail a XXXX to us at the address we have been having since XXXX, just did n't make any sense. She said we had to send in a fraud affidavit for an alleged account that is over 21 years old to get them to investigate and remove the XXXX, at that time she was advised that the Fraud affidavit requires that we file a police report for Identity theft and that we would be told by the police that it was too old to report identity theft, and she replied you do n't have to contact the police you can fill it out like that and return it. So she was also advised before the called ended that we would be filing a complaint with you CFPB, XXXX and that they were committing Mail Fraud by mailing and reporting an alleged debt that does n't belong to me and because they never sent us anything in writing before they reported the XXXX to the XXXX and mailed it to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I submitted payment, via my automatic payments to Synchrony Bank on XXXX XXXX, 2016. On XXXX XXXX, 2016, I received confirmation that the payment had been posted to my account. On XXXX XXXX, 2016 I attempted to make a purchase on amazon.com and the credit card was declined. On XXXX XXXX, 2016 I logged into my account and it showed the account had been closed. I contacted Synchrony via phone and they stated because my payment was returned, they had closed my account. I stated my automatic payments were setup to be withdrawn for a checking account which I recently closed however, they said nothing could be done to the account because the decision had been made to close it. 
When I inquired about why this was done without notification or a chance to pay the outstanding balance I was told they had sent me an email, however, this was not the case. I received no phone call, no US Postal mail and no electronic mail. No contact was made by Synchrony to alert me of a 30 day late notice nor was I informed of a returned payment. 
Once I learned of the issue with the late payment, I promptly paid the balance in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-20
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Keeps calling for the wrong person at my phone number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This complaint goes back to the beginning of a loan modification with Bank Of America starting XX/XX/XXXX. The BOA rep ( XXXX ) that was handling the account continuously requesting the same paperwork over and over again, even though it was faxed many times, and I know they had it because I had done all the paperwork myself. The rep ( XXXX ) also lied more than XXXX to me during this procedure. The rep dragged this modification out until XX/XX/XXXX in order to take almost every penny of equity out of the house when she knew that she was going to deny the modification because it was not the mortgage holder 's primary residence. Well according to research I have done " The Obama Plan '' states the loan can be modified if it is a XXXX residence, and can be occupied by a family member ( I am daughter ) that does n't pay rent. So this rep was blatantly denying this loan in order to steal the equity out of the house, and now they are trying to take the house also. BOA has sent many Fed Ex envelopes with contacts of about XXXX different people ( which there should only be XXXX ), which I have never spoken to any of them except the latest person ( XXXX ). I have left voice mail messages with many of the people on the letters with no response from them. I believe this is BOA 's scam and they think that people are just going to give up and let them take the house and the equity. Well that is not my case. I will not give up until I get all the fees, interest, and lawyers fees back from them. This has been my home for 20 years and I will not give it up without a very good fight. I am currently working on a loan modification with another rep right now and think it will be successful. There are many loan modification options for a borrower whether it is their primary or XXXX residence. This is criminal on behalf of BOA and something needs to be done about their procedures ( if they actually have any ). Per a report on the internet each loan modification rep has over XXXX applications and get a {$500.00} bonus for every XXXX loan modifications they deny a month. Employees are the ones that reported this. Please help, thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am writing to you because I need to reduce my monthly private student loan payment due to a financial hardship. I am requesting a payment that allows me to meet my other necessary living expenses. 

To Whom It May Concern : I am writing to file a complaint. I just recently contacted Navient to request a reduction in my private student loan. For the past 12 months I paid {$160.00} monthly. Just in XXXX 2016 it was increased to {$280.00} monthly that I can not afford to pay. I currently also have federal loans that are in default. I was told by the representative that because I have negative income balance they can not offer me a lower payment. That makes no sense to me. Here I am someone that would like to make payment arrangements but at a lower monthly expense. Please conduct a review of my account to determine whether I am eligible for an alternative repayment plan. 

I believe I can afford to pay {$160.00} per month toward my loan ( s ). If you require details on my monthly income and expenses, I have attached a worksheet which you can use to make an evaluation. 

If you require additional authorization in order to reduce the amount of my monthly payment, please consider this letter a written request that you contact my lender or other authorized party to conduct a review of my account and provide a response within 15 days of receipt of this letter. 

If you do not grant this request for a reduced payment plan, I will be at risk of default. If I receive a reduced payment plan, I may be able to avoid default, which is in the best interest of all parties. 

If you determine that you are unwilling to provide a reduced payment plan, please provide the following information : What available reduced payment options do you offer other than forbearance? 

For what reason ( s ) am I ineligible for these repayment programs? 

If I am not eligible for these repayment programs, when will I become eligible? 

What steps do I need to take to qualify for these repayment programs? 

Do you anticipate modifying these repayment programs in the future? 

Where on your website can I find additional information on these alternative repayment programs? 

In addition, if you are unable to provide any of the information or documentation I have requested or otherwise can not comply with this request, please provide an explanation. 

I hope we will be able to agree upon an acceptable repayment plan. 

Thank you for your cooperation. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation