BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I banked at Bank of America. I am on a fixed income, and unfortunately, due to my finances being stretched thin, and having made the mistake of allowing debtors to debit my account directly, there were numerous instances of my account being negative ( overdrawn ) at the end of the month. But what BofA did, was to monitor my account, then, when debits came in they were not processed immediately, in the order of their occurrence, they were put into a " pending '' status. The largest amounts were then deducted first, taking the account into an overdrawn condition, the result being that they were then able to charge {$35.00} for each small debit, as opposed to the actual in sequence debits, which would have resulted in only XXXX {$35.00} overdrawn charge. The financial impact was numerous months where the charges exceeded {$300.00} ... ..which compounded my financial problems the following month. I wrote to BofA and filed complaints several times ... .to no avail. I know someone was watching my account and doing that out of sequence debiting deliberately to achieve raiding my account for greater numbers of {$35.00} fees than would have happened if debits were done sequentially. I finally left BofA, but they continued to tack on additional fees which today have a total of around {$500.00} ... which I will not pay regardless of the effect on my credit rating. I am XXXX years old and will never buy another thing on credit again. Now that we know the dirty underhanded way the bankers and wall street have cheated, deceived and exploited XXXX for their own gain. It is so sad to me that ehy have not been effectively prosecuted. Such as the CEOs being chaged and found guilty of Felonies for XXXX XXXX, and then were given waivers and the bank was fined $ XXXX, paid by the banks customers. The lying cheating executives got to keep their ill gotten millions. Disgusting!! I am voting for XXXX XXXX in the hope he is elected and my bring about some change in what billionaireds get away with in America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America received a request to place a levy on my bank accounts, so they did. According to Virginia law, certain payments are exempt from garnishment and levy, which includes child support payments. I informed both the collection company and Bank of America that my child support payments are exempt, but Bank of America refused to release the hold on my support payments, which were being direct-deposited. I contacted the court and filed a " Notice of Exemption Claim '', reiterating that these funds are exempt. A copy of my claim was also sent to the attorney. A day after the notice was filed, Bank of America released exempt funds to the attorney.

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 2017-02-17
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
i have my student loans with navient i have XXXX loans XXXX federal and XXXX private. i have started to pay more on the private loans because the interest is 13.65 %. i have had XXXX loans since 2004 and that have n't paid down that much. as a matter of fact XXXX has gone up. after i started paying extra they start holding my normal payments, which are auto pay, instead of applying them. they did n't do that before. i know that they are doing this to drive up the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
For over 2 months this company, EOS CCA has called me in excess of 200 times looking for someone I don't know! I have repeatedly requested for them to remove my number! 1 week ago I received 30 calls from them in one day all from different numbers but the same woman asking for this person I don't know! 
Today I received another call from a new number but the same woman stating " I know you know who we're looking for '' and when I again stated I do not know that person she said " we will continue to call until I get to speak to her ''! 
This is harassment plain and simple! I have no collection accounts, all my bills are current, why is this happening?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Navient Solutions, LLC.
State: CA
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:
When Navient took over federal student loans from XXXX XXXX, my information was somehow updated to show that I was late on payments, when in fact my loans was under deferral with XXXX XXXX. I have called and contacted this company twice in regards to this error and as of today, they have not provided, nor corrected my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
Syndicated Office Systems,XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX CA XXXXhas placed a medical record on my credit report that does not belong to me, they have been informed in writing that i am a victim of Identity theft and i only paid the account, because they said record would be deleted, they have now refused to remove record from my credit. i should not be asked to pay for bills that i am not responsible for, and after payment is made, they still refused to remove collection record

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to you as I have no any other choice. Somebody used my personal information and I do not know what to do now ... I saw my report and I got shocked. Can not understand what to do and I decided to write you guys. Those accounts are not mine and I do not recognize them I think its fraud and I am victim of Identity theft. Is there any investigation that you guys provide? I want to apply this investigation and that you can check as I do not want to have somebody else info in my own credit report also I wanted to apply for credit but I can not now since I have these accounts and since they damaged my score. I am very curious how come I have this misleading and I ask you to delete it please asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for borrowers defense to repayment in XX/XX/2021. I accidentally checked no to the administrative forbearance piece on the application asking if I wanted the loans in administrative forbearance. I have recently realized my loans serviced by Nelnet could have been in forbearance this entire time. ( Didnt read carefully enough when I applied ) My school is on the list of schools in the XXXX XXXX XXXXXXXX XXXX and since they are commercially held XXXX XXXX, if the case results in loan forgiveness, I wont get any of this money back, so I want them placed into administrative forbearance until there is a resolution. Ive called both Nelnet and the Department of Education several times with each telling me they cant do anything and placing responsibility on the other. I filed a complaint with the Federal student aid Ombudsman and got a cookie cutter we cant help you email telling me yet again to deal with Nelnet. I responded to the email as it stated I could do and received no response. They just closed the complaint. I really could use some help getting resolution to this matter if you can please assist. I do not know where else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I've sent a request to delete the account on XX/XX/2021 to XXXX and transunion and then a demand to comply after 30 days on XX/XX/2021, there has been no action on the investigation

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 2016-02-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I got a XXXX XXXX Credit Card ( Mileage Plus Explorer issues by Chase ) primarily because it promised an extra bag for me and my wife when we travelled together. we purchased tickets to XXXX and since we were going to be away for four months we packed XXXX bags each. when got to the airport and started checking in, imagine our surprise when we were required to pay {$200.00} for then extra bags ( the check-in terminal advertised the free extra bag ) since they said the extra bag only applies to domestic travel. This is clearly misleading advertising since that limitation was hidden far down in the card description.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-27
Company: Westlake Services, LLC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I BANK FINANCED A CAR AT A CAR LOT CAR HAD PAPER TAGS PAPER TAGS EXPIRED SO I WENT BACK TO LOT TO GET PLATES TO FIND CAR LOT HAD GONE OUT OF BUSINESS THE NEW OWNERS GAVE ME OLD OWNERS NUMBER I CALLED HIM HE TOLD ME TO CONTACT BANK AND THEY WOULD GET ME PLATES WHEN I CONTACTED BANK THEY HAD NO IDEA LOT HAD GONE OUT OF BUSINESS AND STATED THEY WOULD OBTAIN TITLE AND PLATES FOR ME THAT WAS XXXX 2016 AND STILL AS OF TODAY I DO NOT HAVE TAGS FOR THE CAR SO I CANT DRIVE THE CAR OF PURCHASED XXXX/XXXX/16 BECAUSE THE BANK CAME BACK AND STATED THE CAR LOT NEVER COMPLETED THE TRANSFER OF TITLE FROM THE PREVIOUS PLACE THEY HAD GOTTEN THE CAR FROM SO THEY SOLD ME A CAR THEY DID NOT HAVE POSSESSION OF. IVE BEEN CATCHING THE BUS XXXX AND PAYING FRIENDS AND FAMILY TO TAKE ME HERE AND THERE AND BACK AND FORTH TO WORK MY CHILDREN HAVE BEEN LATE FOR SCHOOL ON NUMEROUS OCCASIONS AND ME AT WORK HOWEVER IM STILL MAINTAINING INSURANCE ON THE CAR

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have not been able to access my account for 2 months. They have not been sending me updates on what is happening. I have been sitting in the dark until I have to ask for updates. I do n't see why it is taking so long to fix my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: JPMORGAN CHASE & CO.
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Please see attachment titled : " Fraudulent Foreclosure Fees and Fraudulent Foreclosure by JP Morgan Chase against another Homeowner '' Complaint # XXXX This company continues to cause XXXX on this XXXX XXXX citizen. They refuse to remove the fraudulent foreclosure. They are now endangering my Reverse Mortgage due to the fraudulent fees they have added to my loan of over {$7000.00}. 
Please see attachment for further information on this complaint # XXXX. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I Requested this company in Writing to Validate this Debt. I asked them to Send me a copy of the CAR NOTE with my Signature and they Refused to. I have no Recollection of this account # XXXX XXXX XXXX XXXX and want It Removed from all XXXX Major Credit Reporting Agencies ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt is not mines. I sent dispute letters to the debt collection agency that went unanswered. I then proceed to send the credit bureaus to dispute letters to dispute the collection and have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: Valley Collection Service, LLC
State: AZ
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 XXXX XXXX sent an account balance that is not over due to Valley Collection Service XXXX LLC. I have never been told that I had to pay this amount of money to the court. I do not even live in the town limits or do I due business in this town of XXXX where the Court is located. The information that I have is account number XXXX Reference Number : XXXX ... .. Does the court have authorized to send my information without my consent ...?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: JPMORGAN CHASE & CO.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Between XXXX, my account was compromised. My bank never contacted me regarding any suspicious activity or anything. I closed the account XX/XX/XXXX. XX/XX/XXXX I contacted my bank. I spoke with a claims representative about the unauthorized transactions. She told me that she would take care of it for me. She told me not to worry. After over 30 days, I received a portion of the money that was taken from me. There were several claims filed ( around XXXX ). I submitted a letter requesting all of my money be returned for XXXX of the claims. This would total over {$15000.00}. My bank sent me an electronic letter the very next day saying the transactions were authorized. I called and was told they had my computer 's IP address. I requested to review the information the had. I never received it. Thereafter I received a letter approving and finalizing my claims. I submitted another letter requesting the return of my money. Then the claims representatives told me that I had not reported the transactions within the 60 days. This is the first time I had heard of reporting unauthorized transactions within 60 days. I began researching. My bank has not been telling consumers about this within 60 days rule. My bank stated to XXXX consumers via social media sites XXXX, " All Chase cards also come with zero fraud liability protection against unauthorized use for cardholders. '' My bank has also stated this in their publishing XXXX. XXXX reaches about XXXX consumers. How can my bank refuse to return my money using this 60 day rule ; But, refuse to inform us this same rule publicly? This is misleading. My bank is telling XXXX us everyday that we are not liable for unauthorized transactions. I was returned a portion of my money. I am asking that XXXX claims be returned in full. Today XXXX stated the same quote of zero fraud liability protection from your bank. I have been reaching out to the Executive Office XXXX, the Corporate Office XXXX, Claims representatives, Department XXXX, and a local branch urging them to return my money. I even lied like I had already contacted your organization and filed a complaint against them in hopes of prompting them to do the right thing and return my money. I review their social media sites every single day. So many consumers are complaining about the same thing. They can not lie to us publicly in an attempt to attract more customers, then refuse to stand by their public statements. This is misleading. The Federal Trade Commission refers to this in Section XXXX of their FTC Act : Unfair or Deceptive Acts or Practices. I really want my money returned to me.

Company response to consumer: Closed
Consumer complaint received 2021-02-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Two fraudulent checking accounts were opened with TD Bank. I have spoken to the bank and they are closing the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-04
Company: Nelnet, Inc.
State: UT
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:
XX/XX/XXXX, I entered into a legal settlement with XXXX University in which my XXXX loans would be paid in full of {$29.00}, XXXX. This would close out all graduate loans from XXXX University and leave ONLY a balance of around {$29000.00} from the University XXXX XXXX for XXXX loans. XXXX University did in fact issue a check with instructions by XXXX CFO XXXX XXXX and it was received by the DOE on or about XXXX XXXX, XXXX. I then called NelNet and asked if XXXX was paid in pull, to which the representative confirmed it had been. I then asked for options on repayment of the XXXX loans only since I was not employed. The representative said my only option was to defer payment until XXXX XXXX by assessing additional interest from XX/XX/XXXX to XX/XX/XXXX. I reluctantly agreed. I then took out a vehicle loan about a month later to which I was informed I had student debt which was affecting my credit and interest rates. I thought at the time they were referring to the XXXX smaller balance. Now, a year later, I went to apply for my first home loan and was told I wil still over {$60000.00} in debt with student loans. I am not able to qualify for any type of home loans or any lines of credit due to this error. Upon investigation, it has been determined that I was never placed on a payment plan, that Nelnet assessed interest fraudulently, and then took the {$30000.00} from XXXX and has only been making the minimum payments on the interest. I spoke with XXXX, a " manager '' from Nelnet and he said that my only options were to pay the interest balance ( which still puts me in debt around {$60000.00} ) or reverse the payment which will put all my XXXX loans into default and collections. I have proof that both Nelnet and XXXX have confirmed they are equally at fault, and that I am XXXX % blameless for these damages. I have now lost any chance of purchasing a home for the foreseeable future until this matter is resolved, and have paid thousands of dollars in additional interest in student loans, vehicle loans, and other loans that should never have been paid. Further, the emotional trauma I have suffered as a result of this far exceeds the financial damages. I have evidence of all the above stated. I have been in constant contact with XXXX XXXX, the CFO of XXXX, who has been in touch with " XXXX '' from Nelnet. I feel that Nelnet is doing everything in its power to MINIMIZE the damage and not take responsibility for the extensive financial damage and emotional trauma I have suffered as a result of this clear cut case of negligence and fraud. There are several documents ( over XXXX ) that are in possession by myself, Nelet and XXXX. I will provide should it become necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The credit card was opened without my acknowledgement, it was fraud, I have been trying to let Navy Federal know that I did not open that credit card or have possession of that card, they just keep telling me there is no sufficient proof of fraud. I just don't know what else to do, they said I need to provide written or verbal saying I did not open that card which I have done what they have asked and it still getting denied and are asking me to pay for charges I have no acknowledgement of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This all stemmed from a fraudulent charge from XXXX which closed over a year ago from covid. initially, it took months to resolve which I did after days on the phone with Comenity XXXX Visa. A year later charges appear from XXXX in XXXX NY which we have never stepped foot in ( my husband was a member in XXXX NJ ) and I called Comeninty for weeks and finally got a so-called supervisor in their Fraud dept who said he will block the merchant from further access on my credit card and to pay the bill and I will see the credit next month. I then receive a letter a couple of weeks later from Comenity stating the dispute can not go further as they did not have enough information. I contact them again and speak to a supervisor who informs me there is nothing they can do and the person I spoke to initially who handled it was in fact not a supervisor but a customer service rep. Comenity is supposed to protect their customers from fraudulent activity which clearly is, XXXX XXXX Attorney General has already filed a class-action lawsuit with XXXX ( new XXXX XXXX XXXX XXXX as XXXX XXXX entity of XXXX is under investigation. I finally today was able to speak to someone in a supervisory position " XXXX '' ( the ONLY person to show concern and willing to handle ) who is sending new cards and will follow up. Shame on Comenity Bank XXXX Ohio for their lack of consumer protection and to outright lie about policies, procedures and their personal title/rank within their organization and their neglect to protect their customers with such a public fraudulent merchant as XXXX that the attorney general has filed suit against them.

Company response to consumer: Closed with explanation