BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
1 ) After filing for a bankruptcy and having it discharged, Navy Federal Credit Union has a permanent message posted to your account that you see when you sign in on both the website and mobile app platform. The message states " Your account information is being provided for informational purposes only. Providing you this information is not an attempt to collect a debt. '' I've called and asked to have this message removed as there is no debt anymore because it was discharged. Therefore, this message only serves as a punitive punishment and " brand '' that Navy Federal gives its customers who fell on hard times and filed bankruptcy. Its as if they are constantly reminding you that you caused them a loss. 

2 ) I applied for a Navy Federal Credit Union credit card on XX/XX/2022 and was denied. I knew it was because of my bankruptcy that included a loss to them. However, I sent a message through the secure message portal asking if I will ever be able to reestablish credit with Navy Federal or will I forever be disapproved/declined for Navy Federal loan or credit products. On XX/XX/2022 I received a response that stated they are unable to extend credit to members who have caused Navy Federal a financial loss. The response also stated " If you are interested in repayment information of the loss account balance, please contact our Bankruptcy Department during normal business hours at XXXX. '' This goes against my rights as a bankruptcy filer. They shouldn't even be bringing this up to individuals who filed bankruptcy and caused them a loss. It seems like a subtle hint that if you pay them back they will then approve you for credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Despite multiple attempts orally and in writing ( see attachments ) Roundpoint Mortgage Service Corporation refuses to correct erroneous records regarding its timely receipt of mortgage payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Resurgent Capital Services L.P.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I 've been disputing an account for quite some time low about inaccuration information on my credit report. Showing on my credit report from XXXX XXXX Bank was this account closed on XXXX. However, LNVN Funding who which this collection was sold to is providing inaccurate amounts due. XXXX bank is supposed to be closed with an amount of the credit limit due of {$300.00} or less. I 'm being charged an amount of {$580.00} for no apparent reason or even documentation given the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: First Data Corporation
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have submitted an identity theft report IE police report and I have given them an affidavit and I have identified the fraudulent items and I have provided appropriate proof of my identity which meets all the sections of 605b of the Fair Credit Reporting Act to have TeleCheck remove the items within 4 business days of my reporting this. I 'm going to include these items to Telecheck once again in this complaint and they will see that regardless of the time frame the law does not allow them to not block the items if I meet those XXXX sections. They are not blocking others because they claim the company has verified it and all they 're doing is saying it was me when I 've already proven in court that it was not me. XXXX is not reporting this information anymore and neither is XXXX they need to remove these items from their records permanently because they are fraudulent. When they respond they do not answer my claims they give a garbage explanation of how they break the law and I 'm saying they need to stop breaking the law and they need to comply with the law and I 'm going to include a copy of that in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Creditors sold debt to several collection agencies without notifying me first. This is violation of my privacy. Creditors also listed false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was trying to do business with a company, which sent me a check for {$3800.00} to start the process. I deposited the check into my Chase bank account. the bank put a hold on it for four days. When the check cleared I cashed {$3700.00} of the deposited amount. A couple of days later I discovered a negative balance in my account and went inside the branch to find out what happened. The teller informed me that the {$3800.00} check was returned by the originator. I then proceeded to make a deposit to bring my account positive. Then I received a letter from the Fraud Department of Chase telling me to make whole the account, which I had already done so. I went back to the branch and showed them the letter when the branch staff informed me my account was frozen. The staff member tried in vain to unfreeze the account. I called the Chase Fraud Department and after repeated attempts they called me back and told me my account will be closed permanently and I would have to wait two weeks to get my money back. At this time my account has over {$30000.00} in it since recent deposits took place from my XXXX account. I found this behavior by the bank unacceptable and demanded immediate access to my money. However, the man from the Fraud Department refused to budge from his position.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-23
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Central Fincl Control. They have I 've attempted to dispute multiple times however no response on their end. This credit bureaus acc Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against Central financial control in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
A Representative of XXXX continues to call & harass me over a time-barred debt with Bank of America. I have been threatened with law suit filing and have continued to advise that this debt was disposed of 15+ years ago. I have asked the representative to cease and desist yet they continue to harass me with threatening phone calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Navient Solutions, LLC.
State: WI
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 n't worked in nearly 3 years and I am on income based repayment with Navient. Navient took over my student loans, which were with XXXX, prior. I 've heard a story about how many consumers with loans through Navient are being mistreated. I believe I am one. Being on income based repayment, I assumed they would lower me to the lowest amount I needed to pay to stay on top of my loans ... .wrong. I pay {$29.00} a month on my 28k+ student loans. Every month, after I make my payment ( always on time ), the balance does n't go down ... it goes up. This month I even paid a bunch extra and my balance still grew. Every month it appears to grow somewhere around $ XXXX- {$50.00}. In my opinion, I strongly believe that Navient is well aware of this and is not really doing right by their consumers. How can I ever get on top of my loans, if this is what they are going to do? I ca n't. Not at this rate. Any help would be greatly appreciated. If this is happening to me, it must be happening to a lot more. For me and my family, and the others who are going through this, please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Pinnacle Credit Services, LLC
State: NE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Pinnacle/XXXX is reporting to XXXX falsely as an original creditor when in fact they are a collection agency for XXXX. No where in the XXXX report does pinnacle state original creditor is XXXX. They have continued to verify disputes that I have opened with XXXX that they are the original creditor and they are not. XXXX is also reporting payment history, high balance and amount past due which a collection agency is not permitted to do. They also continue to say it 's XXXX doing it when in fact XXXX states pinnacle is reporting the debt this way. They also monthly change the amount owed on the account by XXXX dollar.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
We checked our account today to find that it was OverDrafted after PNC decided to submit ODF fees into our account before processing our deposit that was made Saturday night and did n't process until Monday evening. 

We called them to try and get them to reverse it and they advised our account does n't qualify for that. Mainly because something like this happened back in XX/XX/XXXX and they were nice enough to do so then. 

I asked the rep how you qualify and he advised that they do n't have a set time frame for when you would or if you would again. 

I do n't know what else there is to do, it seems like PNC does n't care about their customers or the fact that their Virtual Wallet does n't update or process in real time. 

It does n't even keep a running balance when certain transactions process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
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, I requested a credit line inquiry with the knowledge that I would receive an soft inquiry on my credit and no big risk. Needless to say, on XX/XX/XXXX I received notification from XXXX XXXX that my credit score had been updated. However, I knew that I made no additional adjustments towards my credit so I immediately got alarmed and begin to take action. After responding to the credit card company, there only response was that anytime there is an credit line increase, that it always is an hard inquiry. Needless to say, in my defense I have had an increase before on this credit card and my XXXX card but never actually received an hard inquiry because of a request. I never applied for a new card or anything. Sorry for the inconvenience, but can someone please help me better understand how I can resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
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:
It most recently came to my attention that M & M ( Merchant Medical ) released false information to the credit bureau for a debt that I do NOT owe. In XX/XX/XXXX I was a student at University XXXX and had an outstanding debt. Once the debt came to my attention it was paid promptly directly to University XXXX. Weeks after this I was contacted by the collection company. I advised them that the phone call to me had to be in error because the debt was paid in full - ( {$250.00} ). They questioned the validity of my conversation. I contacted U XXXX and informed them of the call that I received. I was told to disregard because my balance was XXXX. XX/XX/XXXX I call the collection company and was told that the credit bureau had placed this on my report and that they had nothing to do with this, which is false. I was told that they would issue a letter of retraction and facilitate have the information removed because it was false. As of today, I have not received a letter and I 've verified that is not removed nor is there a request submitted from Merchants and Medical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03
Company: 1st Franklin Financial Corporation
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
XXXX Loans in XXXX Ga brought Instaloan Loans that were found to have been illegally constructed through the usage of fraud, Not truthfully disclosed charges on the truth and lending disclosure among other founded violations by the Court of law. These loans have been found to have been predatory in their lending, However, even after consulting with XXXX Loan They insists on collecting on these illegally obtained loans. They have started clients with new loan numbers, new Finance charges and new interest rates patenting the paperwork to appear like it is a new loan with XXXX when in actuality they are the same loans from XXXX that has been shut down in the state of Georgia. These loans were illegally gained and should not have been allowed to have been brought by XXXX XXXX XXXX or any other organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I wanted to state that my experiences with Citizens Bank have been ongoing practically since the time I joined in 2011. Three areas of concern entail not establishing a set normal withdrawal limit as well as an overdraft limit ( resulting in unnecessary charges ) and transitioning from just an NSF fee per occurrence to including a XXXX sustained fee then to a XXXX sustained fee charged in XXXX intervals totaling XXXX. Your assistance would be greatly appreciated in establishing a set policy instead of having the bank make changes without notifying consumers in advance. 
Thank you, XXXX XXXX Customer account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX Account # XXXX has violated my rights. 


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

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 2016-03-25
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I received an email for my BBVA Compass XXXX XXXX/XXXX/XXXX stating " Spend {$500.00} or {$1000.00} in qualifying online purchases and make XXXX Real-time Rewards Redemption through BBVA Wallet and receive XXXX or XXXX bonus points ( enough for {$25.00} or {$50.00} account credit ). This offer is only valid for online purchases with XXXX BBVA Wallet Real-time Rewards Redemption between XXXX XXXX and XXXX XXXX, XXXX. '' I made {$1000.00} of purchases during this time and never got the reward. In XXXX XXXX, I started getting in contact with customer service. After being bounced around several times, being told that I would get a call back and never would, and having to re-explain the issue to multiple reps, I finally got an answer. Unfortunately, I was told that I would not be receiving the bonus because I purchased " gift cards ''. Besides the fact that I did not purchase gift cards, nowhere in the email does the word " gift '' even appear, meaning that this kind of purchase was not excluded. As a result of this decision, I have lost XXXX rewards points which are worth {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Opened a checking/ savings account with Navy Federal Credit Union on XX/XX/2017. I have monthly credit monitoring and received an alert that Navy Federal Credit Union had pulled my credit report. I did not apply for credit card or a loan and did not give permission to Navy Fed to pull my credit. Called Navy Fed on XX/XX/2017 to ask why my credit was pulled. Customer service representative first said she was not sure why since there was not any credit or loan applications in my account. She put me on hold to further investigate, and when she returned, she told me that it was supposed to be read to me, it was on the disclosure agreement ( opened the account over the phone ), and Navy Federal was pulling credit reports to have the reports in their file if I apply for credit or loan in the future. No one informed that my credit was going to be pulled when I opened savings and checking account! I have closed my account with Navy Fed. Please investigate! 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 2016-12-14
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Selene Finance and their foreclosing attorneys XXXX have violated the " dual tracking '' statute under XXXX XXXX regulations. I have been actively negotiating a short sale with loss mitigation at Selene Finance. We are still in the negotiation process and in active open loss mitigation file and while trying to negotiate the short sale they simultaneously are foreclosing on my property. I ask the CFPB to intervene in this matter. For Selene Finance, a debt collector and their debt collector attorneys are violating the dual tracking laws. The sale date is set for XX/XX/2017 According to XXXX XXXX, Selene 's negotiator/underwriter on my loss mitigation file stated that the short sale offer to purchase the property needs to higher. We asked for a copy of the XXXX or information regarding the XXXX and they refused to give any information. We would like to reach a fair price but they need to disclose to the consumer their justification of the higher offer. I ask the CFPB investigate Selene Finance and their attorneys for acting in bad faith. Placing a foreclosing sale date in the middle of a short sale/loss mitigation negotiation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
I would like your assistance in obtain feedback from this company as to why they are reporting a charged off and out of date account that has been on my credit files since XXXX? I do not own a account with this company and I wrote to both the company and the credit bureaus in XXXX advising that this account be removed or that I be provided with validation as to the date this account was opened and defaulted upon and provide me with all documentation used to validate balance owed. I have requested this company and the credit bureaus ( XXXX ; XXXX and XXXX ) close out this inaccurate out of date account and update my files accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Navient Solutions, LLC.
State: AS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
My son supposedly has XXXX private loans with the Navient. XXXX of them is being paid via my checking account every monthly. XXXX of them is in default, and Navient calls my house at least 3 times a day, my husband 's cell phone at least once a day, and my son 's present employer leaving messages for him to call. They will not provide proof of the Loan. They say we took out a private loan and that {$27000.00} plus was issued to my son on XX/XX/XXXX. We simply asked for a copy of the Promissory Note along with the endorsed check because we do n't feel that this money is owed. We have asked for a complete reconciliation of all debts owed so that we can look at options on our end for consolidation. Each time someone calls, its a different person, about a different account, no reconciliation forthcoming as that is always someone 's else 's department, and no proof as requested. I have written numerous letters on behalf of my son. My son and I have called Navient on many occasions in an attempt to settle this matter, and we yet have any resolve whatsoever. I need a total amount owed for everything, Private, Federal, subsidized and unsubsidized. A settlement offer, if you will, so that we can make these people go away. Right now, all they want is {$80000.00} paid by XX/XX/XXXX or they are going to turn this over to another source of collection. We are not allowed to check but one box in each of your categories in this form, however, if I could, I would be checking everything! NAVIENT is horrible.

Company response to consumer: Closed with explanation