BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-27
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am a graduate of XXXX also know as XXXX XXXX XXXX, when meeting with school advisors they told me I would be in a top level chef position after graduation. I was told over and over that this was true. as I was second guessing my choice to attend I received multiple calls everyday ( sales call ) harassing me to attend the school. eventually I applied for student loans and was " accepted '' into the program. After completing my education I was unable to find XXXX of those " high paying XXXX '' that I was promised. I was stuck with over {$35000.00} of student loans and only making $ XXXX barley enough for me to pay my bills living on my own let a alone pay a high monthly payment on my student loans. I opted for forbearance. my loans collected interest and put me even further in debt. over time it seemed that I would make payments and my loans would just grow. finally after 10 years of being on and off forbearance and a lot of experience I finally have a decent paying job, but still not enough to take care of my family and pay off my debt. as of now I will be paying back my debt for the next 20 years. I will not be finished paying me debt until my kids are in college ( that 's if I can afford to pay for theirs ). recently all the le XXXX in north America are closing. so the degree that I was told once held " great weight '' because of the XXXX name will not by worth the paper it is printed on. Now even if I could eventually get the chance to get that high paying job my degree will be worthless in the eyes on my new/potential employers. 
Unfortunately I was one of the many victims of the for profit schools. I will never be able to support my family they way I dreamed of or give them the " American Dream ''. I was tricked my school advisors into thinking I would have this great job after graduating and it did n't happen. Because of the many years of not making a living wage and trying to support my family my student loans are behind and so much interest has accumulated that it will most likely take the next half of my life to pay back. 

XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Northern Service Bureau, Escanaba Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
They called my parents house and told my dad that I had debt and I needed to pay it if I didnt they would come to my work with a warrant for my arrest

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: U.S. BANCORP
State: CA
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:
On XX/XX/2020, while shopping in XXXX at XXXX XXXX XXXX XXXX in XXXX, CA XXXX, my wallet was stolen sometime between XXXX XXXX and XXXX XXXX. When I discovered my wallet missing, I immediately went home and called my bank and all credit cards. Several credit cards were stolen. I am contacting you about an REI card issued by US Bank. REI stolen card was used XX/XX/2020 at XXXX # XXXX in XXXX XXXX, CA to purchase {$850.00} in gift cards. I made a Police Report to XXXX XXXX Police XXXX XXXX XXXX. XXXX, CA XXXX, phone XXXX. I spoke to Officer XXXX XXXX. His email is XXXX. My case number is XXXX. 

Im contacting you because US Bank Fraud Prevention has denied my claim. They are at Cardmember Services Fraud Prevention.  XXXX   XXXX XXXX. XXXX, ND XXXX. Their phone is XXXX. Their fax is XXXX. My claim number is 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 2015-04-04
Company: PNC Bank N.A.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
PNC Bank can not provide me my 2014 Tax Forms. " There is nobody in our call center that can help you. '' I have now talked with PNC Bank 3 times, where they state that they have submitted the request to change my address and send me my tax forms. As a result, my parents receive a " Password Change '' letter in the mail at their address, which has NOTHING to do with MY address or MY online information. When I talk with anybody from PNC Bank, they recite my OLD ADDRESS which I have changed 3 TIMES!!! Finally today I pushed to get on the phone with the manager 's manager, who put me in touch with the Retail Escalation team. This person was at least able to send me a form via email through a " loophole '' which shows my tax information, and has committed to calling me whenever she is able to get my address changed " in the system ''. Note that when I log into my account online, my address shows as updated, but somewhere in the tangled back-office systems of PNC Bank, my address will not update as expected. I have now also provided a hand-written note requesting my change of address, signed and dated as of today, for proof of my address change. What will be great is when my parents receive a change of address form sent to their home ... 
This is the most rediculous process I have ever been through, and I can not express how dissatisfied I am with PNC Bank. I will be doing everything in my power to get my auto-loan, Home Equity Line of Credit, and Checking Account CLOSED and moved to another bank as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I was approved XXXX XXXX for a loan modification by XXXX, the investor of my loan and Bank of America is the servicer of the loan. I got a step rate and it was going to increase to 3 % in XXXX XXXX. Therefore, prior 3 months prior to that date, I contacted XXXX once again to ask that they extend my modification and keep me at 2 % interest rate for another 3 years. On XXXX XXXX, XXXX, I was approved for another modification, in writing, which was accepted and executed by me. At the time of the approval on XXXX XXXX, XXXX, XXXX XXXX informed me that I should continue making my normal payments at the 2 % interest rate. XXXX further informed me that Bank of America would take up to 8 weeks to send me the final modification documents. After 8 weeks, I called Bank of America and they confirmed with me verbally over the phone that my rate was at 2 % but when I would ask about the final modification documents, they acted as if they didnt know what I was talking about. I sent the modification to Bank of America 3 times and they still claimed they did not receive it. They even received it from XXXX and Bank of America is continuing to refuse to honor the modification. Bank of America is playing games with me I am so tired I have been dealing with this for months. Why is Bank of America not honoring the modification that the owner of the loan granted me and that I accepted. Now, because Bank of America is refusing to honor this modification, I am considered delinquent because they now changed the terms of my loan to the 3 % when in fact pursuant to the terms of the modification agreement I accepted XXXX XXXX, my rate of 2 % is extended until XXXX XXXX. Please I pray that you help me with getting Bank of America to honor the loan modification that was offered to me, God Bless You.

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 2015-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My loan has been transferred now, but for two years Bank of America tossed me around with making home affordable pulling me in and out of trial plans adding all sorts of foreclosure fees. It wasnt until I began filing complaints and a HUD rep got involved and found many misconducts that it was fixed. Unknowingly I paid my mortgage every month, only they were n't applying it to my loan putting it in a separate account. After all was said and done they were supposed to correct the 20 month negative crediting reporting, that was in XXXX last year still has n't been fixed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Citizens bank allowed my bank account to continuously overdraft for weeks adding up to {$1000.00} in overdraft fees and return payments. When I spoke to a supervisor, He said the best he could do was refund me XXXX @ {$35.00} fee. When I asked for corporate numbers, he refused. I have had this account for 15 years and now Its overdrawn {$800.00} due to their {$1000.00} in fees. I will be seeking legal council but I hope someone will reach out and address this issue before having to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-15
Company: Experian Information Solutions Inc.
State: CA
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:
Please Remove these accounts from my credit and remove these addresses and inquiries from my credit too. These are not mine.

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 2020-08-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX Last reported XX/XX/2020 {$180.00} XXXX XXXX XXXX Last reported XX/XX/2020 {$640.00} Reported balance This is NOT my account. This account belongs solely to XXXX XXXX, XXXX. 
I have addressed this issue with all 3 credit bureaus and would like the information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have 2 accounts XXXX, reporting as open with a balance ; however the loans are both paid full. My Experian report needs to be updated.

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 2017-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank account was overdrafted by {$20.00} due to a XXXX payment and bank of america changed me XXXX {$35.00} overdraft fees each when I have another account with bank of america with a few thousand dollars in there. I called them next day asked them to consider waiving the fees and the associate told me no and they would not allow me to speak with the manager because they were busy with another customer.

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 2020-04-18
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In 2019 someone broke into my car and stole my belongings and my identity. I was not aware of this collection on my credit report opened XXXX XXXX .I made a police report The amount of {$1200.00} I should not be held responsible for this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: Paxful Holdings, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XX/XX/2020 the balance is now XXXX cos its digital asset ( XXXX ) I have requested them to allow me do a one time withdrawal as promised buy the company the company name is paxful.com

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Constant barrage of collection calls from Midland Credit Management. I have no business with them and no defaulted or bad debts. My credit report reflects nothing even late and I have a very high credit score, but they constantly harrass me. Sometimes they call in rapid succession from different numbers, so it seems like three different entities are calling, but I research the numbers and they are all from Midland Credit Management. I also sometimes get random number calls prior to and after their calls. I have never received any official documents or mail correspondence from them, I have no information at all about whatever debt they are accusing me of holding, no amounts or dates of supposed debts, no creditor names or business information, no account numbers or anything else. Ive never received any notice about anything from them, just a sudden influx of harrassing calls that wont stop. If it was real they would correspond by real methods instead of robocalls. I can not trust them with my personal information, so do not provide them with it if possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I paid the debt and the debt collector would not provide the paid documents. demanded money for attorneys fees and court fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Williams & Fudge, Inc
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was provided with a notification of collections from Williams & Fudge , Inc dated XX/XX/XXXX for a debt due to XXXX   XXXX University XXXX XXXX for the amount of {$10000.00}. Friday XX/XX/XXXX, I reached to the organization to remed the debt. Upon trying to get ahold of the organization to establish a payment plan, or to get a general idea of my options, I accessed their website. There was a section to complete a proposal of payment, in which I completed requesting to pay {$50.00} starting XX/XX/XXXX, providing all of my necessary information for them to get ahold of me and send me a confirmation of payment plan. Upon submission, no confirmation email was sent and no record of the agreement showed up on their site, indicating that any attempt at reconciliation was made. Two days later, XX/XX/XXXX, I went back to their site to formally make a payment, establish payment plan, and also define the frequency and start date of the payment plan. Again, I requesting to pay {$50.00} starting XX/XX/XXXX. I provided my account information, established my payment agreement, and submitted the request. Again, I get no confirmation. Now, it is XX/XX/XXXX, and I received confirmation from my bank that the funds have not been taken out. I am not able to get ahold of anyone to get ahold and talk to. I have called on repeated occasions, including XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX in which I am prompted to leave my name, SSN and phone number, and they full call back. I was not comfortable leaving my SSN. I have left two messages at this point and attempted two attempts of electronic communication and have received no acknowledgement from the organization. I am literally unable to talk to anyone or process any payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Referencing claim  XXXX  Inaccurate info was given on this complaint by the lender. There is still a issues with the balance. Fe d Loan servicing  can not account for a difference of  XXXX .     I received a statement  ( attached records ) and witness online that sequence   XXXX  had a balance of  XXXX  as of  XXXX   XXXX   XXXX  Received official records from this organization.     According to there new records the balance as of  XXXX   XXXX ,   XXXX   was  XXXX .     I need to understand clearly why I have official records saying a lower balance and no records from Fed  Loan Servicing explaining exactly how there is a difference. ( See  attached  XXXX   XXXX  Billing statement with the Sequence loan balance as  XXXX  ) This is not tied to interest capitalization that took place one  XXXX  as that was for roughly  XXXX  dollars. I am talking specifically about Loan  XXXX  in which I have different records and amounts. Explain why there is a difference.     These records you have as they were sent on  XXXX   XXXX  by your organization to both my paperless inbox and my home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: EQUIFAX, INC.
State: CA
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:
Please Remove these accounts from my credit and remove these addresses and inquiries from my credit too. These are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a loan with Chase Auto Loan for a XXXX XXXX XXXX. However, on Thursday, XXXX XXXX, XXXX. I was contacted by a Vendor of Chase Auto Loans at phone number XXXX on three occassions XXXX, XXXX, XXXX hours. which, I dismissed all calls because no messages were left on my phone. I felt that they were telemarketer calls. At XXXX I received a text message from my ex-husband ( after 11 years of divorce ) stating that he had received a call from a lady, named XXXX who claimed to be a skip tracer on the details of the repossession of my XXXX XXXX XXXX, she violated my privacy. She told him that he was XXXX of my references on the loan and that my son was a co-signer both statements were untrue. It digusts me that she would tell such blatant lies. 
He then got in touch with me and told me what he was told. My ex-husband is a XXXX XXXX and will assist in pursuing a resolution to Violation of Privacy matter. The vehicle is no longer in reposession status. 
I have serious reservations that anyone who chooses to can violate someones privacy without any concious for doing the wrong thing. I feel if this was done to me, it 's happening to many others who never file claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have an existing complaint with the CFPB concerning this bank. Evidently because I had filed a complaint, the bank has now stopped my use of using the card, and will not fix the problem. Surely this type of vengeance can not be legal in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Capital Accounts, LLC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Capital Accounts call and portray to be a law firm and have matters in their office for me. they have also called two family members and left voicemail about a a debt for my self. I have dispute this item on several occasions with the credit bureau, I have sent written letters to have this taken off my credit asking to provide validation of this debt there are trying to collect but will not provide mw with the information. They harass me regarding an account that they will not provide me information on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Navient Solutions, LLC.
State: NY
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:
I receive 7-9 calls a day but the final straw was on XXXX Sunday after XXXX. I called navient today to let them know they had done this and I was told by a rep named XXXX XXXX that nothing wrong was done. I was with my family enjoying food and on a holiday and was interrupted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20
Company: SCA Collections, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid by my insurance provider, XXXX XXXX XXXX and the XXXX XXXX XXXX. that I qualified for XXXX treatment.

Company response to consumer: Closed with explanation