BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CA
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:
They changed my due date when I was doubling my payments so that I was paying more interest than I should. They also would n't allow me to pay off my loans as i wanted. I was paying XXXX loans separately and when I paying one down quicker, they combined them and said that I could no longer pay separately. When I challenged them on it, they said that i could only dictate payments by calling after I had made payments. when I told them why they could n't take payments over the phone with my instructions they said that would cost money. When I asked about just sending payments with instructions on my check they said that I would have to write it on a separate piece of paper. My frustrations really mounted when I realized that I was paying more in interest than in principal even though I was paying {$100.00} extra per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

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 2016-10-11
Company: U.S. BANCORP
State: FL
Product: Credit card
Issue: Other

Complaint:
On XXXX XXXX, 2016 I logged in to XXXX and submitted credit limit increase application. The application did not ask for a social security number and there was no notice whatsoever of a potential credit inquiry ( See attached screen shots ). I have multiple cards from other financial institutions and some require and inquiry ( either hard or soft ) while others do n't. A " soft '' pull does not impact credit score, a " hard '' pull does. Their inquiry was a hard pull. I was under the impression that this process would either need a soft inquiry or none as there was nothing specific in the application. While going through this process with my other credit cards, they all specified what kind of inquiry would be required. 

I previously contacted Elan financial Services and asked them to contact XXXX and have this inquiry removed immediately as it was unauthorized. My request was denied. 

I mentioned it to them that It would be beneficial to your customers and their organization to update the verbiage on the online application so it clearly states that a " hard '' inquiry will be required. Appreciate your attention in this matter. I have exhausted all other options to try and get this addressed. I have called multiple times, contacted transunion and Elan Financial Services in trying to get this resolved.

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 2016-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Dear CFPB. 
My problem is with Bank America credit card, Well every month I pay my bill in time, bud always pay more, I pay doble the minimum due, and the account still the same,. And the minimum payment due every month is the same do n't low. How is possible, only low a little big, sometime I thinking the I never going to pay off that credit card. Something important the interest, They increase more I not expected that. What I thing is, they still my money. I work hard only for pay my bills. I thinking is a racist because they call me more than one time as me if Iam XXXX. Yes Iam from XXXX. and my husband Military XXXX XXXX because the war. And my son is military too XXXX. My husbad 30 year in the XXXX. I am a XXXX. Than you for you health. 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 2023-09-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2022-08-04
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
WAKEFIELD AND ASSOCIATES They have added a duplicate account to my credit report saying I owe something I do not. It is a fraudulent accusation an I have attempted to fix this via a direct dispute an threw the company but have been unable to find a solution. 

WAKEFIELD AND ASSOCIATES XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I have requested 5 times that Navient not call my home or my cell phone. I am receiving at least 10 calls a day at all times on both numbers. When I do answer, it is usually an automated system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I qualified for the  Capital One Venture One re wards card. I thought I had three months from my first purchase to spend {$1000.00} to obtain  XXXX  bonus reward miles. But it turned out to be less than  three  months since they start when they approve the card, not when you actually get the card and first use it.     I was never told about the deadline. I am a longtime banking customer with  Capital One  and think they should have told me when I neared the deadline. I thought I had until  XXXX   XXXX ,   XXXX  , but it turned out I only had until  XXXX   XXXX ,   XXXX  . I ended up {$13.00} short of {$1000.00}. I called on  XXXX   XXXX  and they would not extend the date or give me any other allowances, even though I have been a longtime  Capital One  customer.     If I had known the exact deadline I would have spent well over {$1000.00} by then. I feel this is misleading because the exact deadline date should be specified. Usually in such promotions in my experience, it is from when you first make a purchase, not when the card is approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: VA
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:
XXXX XXXX and then Navient would post extra principal loan payments even with my expressed desire to apply the monies to loan principal reduction as loan interest payments. Over {$2000.00} was posted as interest abd future interest payments eventhough specific instruction was given to reduce loan principal with the intentional loan payment amounts. Each contact with Navient customer support resulted infrustration and purposeful stonewalling. In addition Navient 's practice of simultaneously floating two outstanding loan payments being due illegally maximizes interest income.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I tried applying for a bank account at XXXX XXXX and after getting my account, it was canceled as a result of XXXX collections against me. I have XXXX collections against me for {$350.00} from XXXX XXXX XXXX XXXX for trying to get out of a leasing contract that I signed the day before telling them I could not move in. I cancelled within 24 hours and they are trying to charge me {$350.00} for this. Then there are XXXX collections that are filed against me from Syndicated Office System for {$350.00} and {$450.00}. I have no idea what this is for, nor have I ever been contacted by them. This is ruining my credit apparently and I have never even heard of these collections against me. Please help me! I need to get a bank account from XXXX XXXX before leaving the country at the end of this month and this is really a messed up predicament I am in! I found this article about XXXX online and I am guessing I am involved in this without even knowing ( http : XXXX ). Please let me know what I should do, what I can do, and any information that can help me! I greatly appreciate it!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
After XXXX XXXX transferred my loan to Navient, WITHOUT MY PERMISSION, Navient has not allowed me to access my account. I 'm locked out and there is NO HUMAN CONTACT OPTION AVAILABLE BY PHONE! I can not unlock my account at all. 

Navient needs to return my loan to XXXX XXXX and be barred from XXXX Loans if they are not going to let people access their accounts. I did not give them permission to lock my account, making what they did a CRIMINAL HACK. 

Please get Navient out of the business and send my loan back to XXXX XXXX! 

If you do n't remove my account from Navient and send it back to XXXX XXXX, I have NO WAY to interact with them, meaning that ALL of my loans through them should be nullified completely. Heck, they should have been forgiven because I was a teacher in a at-risk, inner city school for more than a decade but that program excluded me because my loans were too old. 

PLEASE GET RID OF NAVIENT!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been a loyal BOA ( Bank Of America ) customer for roughly 7 years now. When I originally opened my account, I was told if I get direct deposit into my account, I would not be charged any fees. I went ahead and set up my direct deposit and from that day on was NEVER charged a fee. Until last month. Last month I checked my account on the mobile app, as I do daily, and noticed that I was charged a XXXX dollar monthly fee. I called customer service and spoke to a woman who happily waived the fee, apologized for the inconvenience and assured me it would not happen again. Well, it happened again this month. Although this time customer service was not so friendly. I explained to them my situation and they told me the fee was valid and continuously explained to me the their CURRENT standards for opening an account and how to avoid fees. I expressed that those were not the same standards as when I opened my account 7 years ago, and they told me there was nothing they could do. They told me nothing has changed on my account in 7 years. I asked how that was possible considering I had never been charged a fee in 7 years and now I 'm being charged a fee. I told them THAT is a change. They denied, denied, denied and continued sending me their current standards for opening an account. I used to love banking with BOA and even referred a couple of friends. It 's sad that after 7 years of being a loyal customer, this is how you get treated - without even an explanation as to why.

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 2017-01-20
Company: Navient Solutions, LLC.
State: OH
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 have XXXX loans with navient most of which are direct subsidized loans. 
Navient had me put my loans on deferment as i could n't afford to pay very much until recently. I had to chase after them and call many times to get assistance with getting on a repayment plan that helped me make payments. 
These payments seem to be doing nothing as the loan continues to grow by more than what i 'm paying every month right after a make a payment. 

It honestly does n't appear that my payments are going to the principal or the interest as i see no changes every month in the amount my loans say are remaining. 

I feel like i 'm being ripped off. 
have no issues with paying on my loans as i took the loans out for school. 
But it seems that unless you pay them off in one swoop there is no way to get the loan number to go down at all. 
The repayment plan they set me up with does n't appear to be anything more than giving them free money until the end of time. 
What good is a plan meant to assist you if it does n't ' even cover enough of the loan to keep the amount owed from growing passed what it was before you paid that month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I made an inquiry with Mr Cooper, my current mortgage lender, about refinancing my home loan. My only goal was to lower my interest rate, not pull cash out. I made this exceedingly clear. I responded to an email I received from Mr Cooper, that stated, check your interest rate, but when you click it, it gives you phone number, not the rate. So I had to speak to a loan officer. I know that loan rates are known for my zip code and loan amount. I currently have 2.75 % and all I needed to know was there a lower rate for my area, or have rates risen due to inflation? XXXX XXXX XXXX ID XXXX, refused to give me that information, instead insisting that he needed to pull my credit, just to see what loan rates are in my area. I'm furious ... I understand I need to qualify for any given rate, but credit did not need to be pulled, hitting my credit report with an inquiry, just to see what current rates are. This guy was using aggressive sales techniques, only trying to improve his sales stats that he probably uses to make his money. I'm sure he's a sales based commission earner. My XXXX is in the neighborhood of XXXX and my husband is @ XXXX. I monitor it. I could have told him that just so we could have a conversation about rates. But no, he wanted to be sure I suffered a consequence if I chose not to refinance. He suffers nothing thus far, based on his interaction with me, and with this complaint, I hope to rectify that. He needs to understand clearly his sales techniques are disingenuous and dishonest. Mr Cooper, his employer and my current lender just lost my loyalty. Supposedly our conversation was recorded, so it took place on XXXX @ XXXX PDT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Navient Solutions, LLC.
State: KS
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:
Hello, I attended XXXX XXXX a few years ago for about nine months. When I went to visit the local university to find out where I would be when I trandferred over I discover none of my class from XXXX would not transfer. When I enrolled into XXXX they informed me most of my classes should transfer! I immediately withdrew from the school. The school has now closed and I am XXXX in debt paying for college classes that are useless. I went through the process to make my XXXX loans dismissed and was denied because I left the school too early? I understand it is not the loan companies fault that XXXX had lied but that is why they have things like loan dismissal!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I recently had a medical issue and needed an operation, which caused me to fall behind one month XX/XX/XXXX with Wells Fargo Mortgage bank. I made payment arrangements, many calls and spoke to several representatives XX/XX/XXXX and XX/XX/XXXX to make 1 month and half payment that would have equaled 3 months Mortgage payments. This payment arrangement was approved by a supervisor. On three several occasions I had to call XX/XX/XXXX to find out why my account was not posting as current, and no response ... .. but they would make an inquiry. They finally took the money and applied it to other fees and as of this date I am in arrears for 2 months where I should be current. I contacted several supervisors at a higher level who stated they would help me straightened it out and as of this date, XX/XX/XXXX they have not. They suspended my automatic withdrawal, and my XX/XX/XXXX payment sat in the Bank. I spoke to a high level Well Fargo representative who told me, " dont worry it will come out, you have automatic withdrawals ... ..and it did not. Therefore, this made my XX/XX/XXXX payment late. Thus, all of this has affected my credit report. In addition, the treatment Wells Fargo representative gave me was disrespectful, callous and condescending. They were unwilling to hear my story, I had a valid payment arrangement that they made for me, and I kept up with my part, and they did not.

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 2015-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern, I have lived in my home from XX/XX/XXXX and I have paid my mortgage on time until XX/XX/XXXX when my husband was laid off and we started to fall behind on payments at that time we called the bank that had our home loan which is Bank of America to get a loan modification and they denied us so we still try to make a payment here and there but it still was not enough so we tired to get a loan modifation again and they only took off {$100.00} dollars for XXXX year and the next year it went back up by {$200.00} dollars. We called them and ask them why and they said it was because of the interest rate changing. So we tried to pay that amount but it was still hard to do. We have asked Bank of America to produce the wet ink note of our loan and they refuse to do so. So now they are trying to forclouse on our home and we are trying to apply for another loan modication and instead of them trying to help us they are trying to set a sale date. I know the law and they can not set a sale date while we are in the middle of another loan modification. Please can you help us. We are trying very hard to work with them. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2021 Certified Letter Sent to Bureau Proof of Identity Theft and Demand for Removal of Bankruptcy XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Affidavit Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Legal Action Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX, XXXX, and Transunion on 5 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts, FCRA 605B, 615 ( f ), and 623 ( a ) ( 6

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 2016-12-30
Company: HW Holding, Inc
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my debt on XX/XX/XXXX yet hunter Warfield continues to call multiple times a day every day. I 've told the man on the phone multiple times to stop calling that the debt is paid and he will not.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation