BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/2016 Bank Of America AKA XXXX XXXX A illegal limited power of attorney which was fabricated by who knows who tool establish legal standing at my foreclosed action see my case at XXXX under my name XXXX XXXX or Case # XXXX I am requesting Bank of America to pay me the Judgment amount of {$140000.00} Plus infliction of XXXX infliction of XXXX damage and XXXX damage Bank of America will have all the liability towards all the suffering that I had done To me in and family option XXXX I will take a legal action with many other people will result in a class-action which Bank of America would by liable

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 2017-01-31
Company: Navient Solutions, LLC.
State: FL
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:
I am a student who originally acquire student loans through XXXX. My loans were switched to private loans through ( Navient. XXXX PA XXXX ) without my notice or consent in XXXX - XXXX. Original loan amount 0f XXXX. Within a three year span, while being continuously enrolled in XXXX at XXXX University, I have been charged excessive interest of over XXXX. I received over 100000.00 of excessive interest in one year. New loan balance is well over XXXX. 
I have been charged excessive interest, and my loans have all been switched to private loans without notification or consent. Please contact me at the following address : XXXX FLORIDA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: ORG GC GP Buyer, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX LETTERS IN AND THIS COMPANY STILL WILL NOT TAKE THIS OFF OF MY CREDIT REPORT AND STOP SENDING ME PAPER WORK THAT DOESNT BELONG TO ME!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I initiated this transfer transaction from MoneyGram.com on XXXX for 10000 USD. Transaction number is XXXX. Today on XXXX I got notification that the transaction was cancelled with no reason. Infact money was deducted from US account. This never happened in the past. 

When I initiated the transaction the XXXX XXXX XXXX XXXX and today XXXX is XXXX XXXX When the rate increases they transfer on time and when rate reduces they cancel transaction. 
This is lack of professionalism and failure of commitment on their part and exploitation of consumers. I needed the money on urgent basis in XXXX and will have to borrow from bank on interest until I get this money transferred to my account in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: Navient Solutions, LLC.
State: WV
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 recently entered into a repayment plan with Navient. I was never informed by them that the payment was well below the required monthly interest assessed on my outstanding debt. This was very surprising to me, as I have been paying over {$200.00} per month on approximately {$25000.00} for over 20 years. Consequently, the repayment plan was adding to my overall principal because the unpaid monthly interest was being capitalized and thus, I was being charged interest on that unpaid interest. When I requested an amortization schedule, which I believe every borrower has a right to obtain, I was informed that the only documents available to me were linked on my account. None of those documents were a detailed accounting of how my payments have been distributed between principal and interest over the life of my loan repayment. They were merely summaries of my account which did not satisfy my request nor did it put my mind at ease that my loan repayment was, indeed, being administrated properly. Unknown to me, was the fact that Navient compounds interest daily. At an 8.25 % interest rate, I will never get this loan paid off. The company never ever provided information to me in order to gain some relief over this never-ending debt. If the government wants to bring down the debt, do n't penalize those of us that have paid our payments on time. Bring down the interest rates and do n't allow the loan providers to compound interest on a daily basis. That aside, I want an amortization schedule to review the accuracy of my payment distribution. Where can I legally obtain one? If the servicing entity can not provide it, who can? I think it should be unlawful to deny a borrower such information on money that he/ she has been repaying.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Billing statement

Complaint:
I was a Bank of America / FIA Cardholder customer and signed up for paperless statements, sometime during 2015. At that time, Bank of America / FIA committed that they would keep statements on-line for up to 7 years, and that I could retrieve all statements by logging into their website. They have sold the credit card portfolio to another servicer ( XXXX XXXX XXXX ), and none of my prior statements are available. 

This creates all sorts of record keeping problems for me as a cardholder, business owner, and taxpayer.

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 2021-12-25
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citi Bank has my account frozen due to fraud. They never notified me by email or phone. No warning at all. There was also no fraud on my account. When I call they tell me that I have to wait 7-10 days for a code to come in the mail to access ANY of my funds. I asled for a supervisor and they said theyd call me back but never did. They have hung up on me 3 times. Its the holiday season and I have no access to my money. Wont let me use my card or transfer funds out. Wont let me use ATM. I have no access to my money and they expect me to wait 7-10 business days to access MY MONEY. This is outrageous.

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 2015-09-04
Company: Immediate Credit Recovery
State: WI
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:
I had a student loan in 2007. I was unable to continue to pay after a certain point. The XXXX XXXX XXXX XXXX put a lein on my tax refunds and took the balance. The loans have been paid. Now there is a credit company trying to threaten me with court. I responded with a cease and desist until they sent a verification of debt because the loans are paid. they show payment on my credit reports ( which I monitor ) and this debt collector is reporting the same accounts that the XXXX are reporting and screwing up my reports. I tried to contact this company on multiple occasions and finally heard from a special unit case after filing a complaint with the XXXX. However ; they said they could not talk to me about MY account. Not to mention that I only put a cease and desist until proof of verification of debt has been sent on XXXX account, the ONLY XXXX they threatened me about. But, they are reporting XXXX accounts and not even telling me anything about a XXXX account! I am in the process of getting a mortgage and my broker and underwriter told me to file this complaint against this company and give you my evidence. They have requested info on these debts and have been ignored .... Further violating my FDCPA rights.. 

IMMEDIATE CREDIT RECOVERY, INC. 
XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I HAVE TRIED SEVERAL TIMES TO GET XXXX PREVIOUS INACCURATE ADDRESS OFF MY REPORT AS I NEVER USED IT OR LIVED THERE, SEE LETTER ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently received a copy of my credit report and noticed some erroneous items on my credit reports. American Collection Enterprise Inc. is handling the collection of the accounts mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between American Collection Enterprise Inc. and me which makes them entitled to enforce a commercial claim against me. This is not a request for verification or validation. This is a request for strict proof of contract to substantiate their claim.. Provide me with a certified copy of an original contract with my signature, specifically naming American Collection Enterprise Inc. entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in questions.

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
Consumer complaint received 2016-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX sent numerous letters explaining in there flyer options for a fresh start.Deceptive if you do a short sale you will be responsible for the difference which you will have to pay tax on. Second option for a fresh start Deed-In-Lieu or Foreclosure. Please read accompanying flyer. Looks like same as short sale. Spoke with XXXX at XXXX who understood the reason for my mother 's desicion for deed in lieu or Foreclosure and sent out nessacery paper work Personal Financial Statement, Assets and Liabilities, Income and Expenses, as you can see there is no way she can afford a 3 month trial period @ {$1000.00} a month. She sent back all required documentation.The next time I spoke to XXXX she said they did not receive the information and would send a XXXX pre paid envelope if they did not recieve it by XXXX/XXXX/2016, .The only thing sent was 1 certified letter and 2 in the mail box with the same forms for a modification.My mother received it on XXXX/XXXX/2016. XXXX is either confused our incompetent either way I think my XXXX year old mother with XXXX is being taken advantage of. The only thing short is the protection of seniors.. What a joke when I am told that it 's up to them because they might loose money. Hello they never loose money and if they do then that 's the way it goes when you are supposed to be experts in home buying and selling. This is why tax payers have to bail out all the banks and business 's! Will email copies of documents sent by XXXX and filled out and sent to them

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 2016-08-20
Company: Navient Solutions, LLC.
State: MA
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:
I was charged a one-time " Repayment Fee '' without any explanation. After calling Navient, the representative told me they have never seen this sort of fee before and could not explain the reason for the charge. I would like for Navient to double check the purpose of this " Repayment Fee '' and refund it if it was done in mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: Experian Information Solutions Inc.
State: DE
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 delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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 2021-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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, TransUnion is violating the FCRA XXXX XXXX code XXXX. I dispute a charge off account listed on my consumer credit report by XXXX XXXXXXXX XXXX. This account is a charge off that show a balance. A CHARGE OFF should not report a balance. The balance should report as XXXX. This is inaccurate reporting and I want this account DELETED from my consumer credit report. I have attached a copy of my most recent consumer credit report. Transunion delete this account for inaccurate reporting.

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 2016-09-07
Company: BlueChip Financial
State: WA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a loan from Spotloan in the amount of {$300.00}. On their website it says that it 's cheaper than doing a payday loan so I thought oh that 's great and then signed up. A month later when I was expected to pay, I asked how much it would be with the interest and they told me {$450.00}. {$150.00} in interest for a month??? There 's no way I can pay that. I 'm on a limited income. That {$150.00} would mean I ca n't pay for electricity or groceries for my family. I feel like this is very misleading of them to say it 's cheaper than a payday loan. A payday loan would 've charged me {$45.00}, not {$150.00}. So I explained to the company, both by email and on the phone that I could n't pay it and I was n't sure what the next step was. Since then I 've gotten phone calls at least twice a day and they keep trying to withdraw money from my bank account which creates {$32.00} fees for me each time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion is reporting inaccurate information about an account with XXXX XXXX XXXX. The account was reporting correctly as " INCLUDED IN XXXX XXXX  DISCHARGE ''. 

Now reporting " SERIOUSLY IS DUE with a balance ''. 

This collection accountvwas discharged in my XXXX XXXX  discharge and transition knows it. See enclosed documents proving the changed it.

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 2021-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person

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 2016-03-11
Company: Hillcrest Davidson & Associates
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Gentleman called and continued to call me a liar after I explained my situation to him. I repeatedly told him that I never ordered the system he called me about and he went on and on reading I suggest a his lines calling me a liar. I did not appreciate the harassment and do n't want him them to ever call my phone again.

Company response to consumer: Closed
Consumer complaint received 2015-11-20
Company: Capital Management Services, LP
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Capital Management Services called my home and left a message that I needed to call them back about a debt that was in collections. I have no such debts, so I called them back and told them that I know that I do n't owe money and that they had no business calling me. They then asked whether I knew a " Supplied Name. '' I told them that it is illegal to call XXXX party about another party 's debt and that I would be lodging a formal complaint with the CFPB. The woman got snippy with me but said they would remove my information. I wish to make absolutely certain that that happens as I do n't trust these louts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-02-05
Company: CITIBANK, N.A.
State: DE
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 have a Citi Case ID given to me by XXXX with Citibank online chat on XX/XX/XXXX Citi Case Id : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have tried repeatedly, most recently on XX/XX/XXXX via telephone to get an update on this case. 
The issue is, I had {$21.00} in rewards points on my citi card ending in XXXX as of XX/XX/XXXX. Citibank requires a minimum redemption amount of {$25.00} to redeem the rewards. The card ending in XXXX was on a promotional balance offer of 0.99 percent for existing balances through XX/XX/XXXX with new purchases if made immediately being charged an apr of 17.99 percent. It was my intention to make new purchases after the balance transfer offer expired in XXXX to build up the rewards balance to the {$25.00} minimum threshold for redemption as if I made them during the promotional offer they would immediately start accruing interest. I am requesting that citi kindly restore the {$21.00} in rewards points so I may do so.

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 2021-12-25
Company: Netspend Corporation
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a prepaid PayPal card for my daughter to use because she is under 18. I chose PayPal because I can link to my account and watch what is spent. The card was instantly shut off by the company and they refused to tell me why and also refused to reactivate said card unless I sent them proof of my identity, address, social security number and source of income. This is a prepaid card. Now I am out the money I put on the card and my daughter is stuck away from home with no money because of this.

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 2016-10-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I obtained a Modification Approval from my Mortgage Company, PennyMac Mortgage which was supposed to give me a 2 month payment hiatus and a reduced mortgage payment. 
I was told this Modification would be reported to the Credit Bureaus as my making partial payments. This never happened. Instead, my original mortgage payments were reported as very delinquent over the course of the Modification. The XXXX page Modification Approval I received advised me on the first page that I was only to make my new modified payments during the Modification. The XXXX page, which I did not look at until recently, told me that I in fact, I had to make my regular payments as well as my modified payments to avoid Delinquency Reporting during the Modification period. This entire transaction was misrepresented to me at the beginning and during the Modification period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: American Credit Acceptance, LLC
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had purchased a vehicle from XXXX XXXX XXXX XXXX. And had way to high of interest on my car. It is 24 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation