BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-06
Company: Navient Solutions, LLC.
State: NJ
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:
Although I am behind on payments for my load, I have been trying to contact Navient/XXXX XXXX to make arrangements. My School that the loan is for is XXXX University in XXXX, NJ. Navient is calling my family members ( uncles, aunts, cousins, siblings, even non blood related ) relentlessly. My mother who is my co signer has XXXX and is on XXXX XXXX. She is also being harassed. I have tried contacting them and am told that my account rep is not in and I have to call back. I have also faxed over forms to try and get my payments reduced. The calls to my family members need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received a credit inquiry alert from Experian credit monitoring service that 's provided to me. The following credit inquiry listed on my Experian credit report is fraudulent and unauthorized : XXXX, XXXX XXXX XXXX, XXXX, OH 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 non-monetary relief
Consumer complaint received 2017-04-04
Company: Experian Information Solutions Inc.
State: SD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a XXXX account in XX/XX/XXXX. It was first reported delinquent in XX/XX/XXXX. The account was paid and should have been removed from my credit bureau in XX/XX/XXXX. ( 7 years after it was first reported delinquent. ) It is STILL showing up on my credit bureau in XX/XX/XXXX ... 13 years later. This needs to be removed from all XXXX credit bureaus ... XXXX, Experian and 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 2016-01-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My bank recently closed my bank account due to an reporting by Bank of America to XXXX XXXX XXXX , XXXX. I got a copy of my XXXX and it is EMPTY. Nothing on there but apparently Bank of America reported me to XXXX TWICE by in 2011 and I did n't find out until recently or even why!! I contacted bank to ask to remove XXXX XXXX report and they said since its from 2011 they ca n't see that far back and that its was written off. They then invited me to open a new account ... Please make them remove the XXXX XXXX XXXX report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14
Company: Focus Holding Company
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I do not owe this place a dime its a scam do not call me again

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have had stellar payment history with my Wal-Mart credit card. I was granted a {$5000.00} credit limit on my Wal-Mart credit card. I even received a very recent increase in the amount of cash I could take out in addition to my purchase -- -it went from {$80.00} to {$200.00}. On XXXX XXXX, 2015, I made a purchase and took out cash. I have attached the documentation showing the purchase and cash advance. Within one to three days, I noticed that my {$5000.00} credit limit decreased to {$330.00}, which is nearly identical to the purchase I made on XXXX XXXX, 2015. This left me with an available credit of {$5.00}, which is highly suspicious that the issuer of the credit -- Synchrony Bank -- slashed my credit to nearly exactly what I owed for the purchase I made. I called to Synchrony Bank, the issuer of the Wal-Mart card, and was told the adverse credit line decrease was because I was XXXX and " some of it had to do with your credit. '' Not only was my race and ethnicity as a XXXX used to discriminate against me and take adverse action against my credit line, which dropped over {$4000.00}, but I was told that there was no internal procedure to file a complaint. I demanded to speak to a supervisor to file a Fair Banking Practices and Equal Credit Opportunity Act claim against the bank ; however, the supervisor I spoke with did not care and stated she was not familiar with any of those laws. So Synchrony Bank is out of compliance in many, many ways, but more importantly, my entire {$5000.00} credit line was slashed for the stated reason that I am XXXX and " some of it had to do with my credit history. '' As you will note on the attached adverse action letter, they are using a credit score pulled in XXXX 2015, which is nearly three months old and outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I've reached to Nelnet because in XX/XX/2014  I feel behind in monthly payment I was high risk XXXX I had to stop working I reached out to them to stop payments and they did but I was 3 months late, they weren't able to remove the late charge as they said they were after I paid the balanced, the 3 months late in XX/XX/2014  is still damaging my credit, the reason for this is if I can get the late payment removed, I'm a first XXXX XXXX XXXX and this is damaging my credit to qualify, my account has been up to date and good payment history since XX/XX/2014,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Other

Complaint:
I was informed today by my credit card co., Barclaycard, that there may have been a breach of my info, and that I was being issued a new card as a result. I telephoned 3 different offices of that bank to determine where the breach occurred. No one was able to answer that question.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
UDAAP complaints related to servicing issues : 1 ) SPS failed to process automatic authorized ACH payments for which adequate funds were available each of the authorized payment dates. Their failure to properly process these payments has resulted in the mortgage holder initiating foreclosure action. 
SPS provided the letter dated XXXX XXXX, XXXX stating ACH payments may be established by returning a completed and signed form, along with a voided check. We returned the completed and signed 'Authorization for Withdrawal and Direct Payment Agreement ' form along with a voided check to SPS. SPS provided an acknowledgement that payments of {$3700.00} would be withdrawn from the account beginning with the XXXX XXXX payment. 
2 ) The SPS Escrow Analysis document ( see Attachment C ) illustrated SPS paying real estate taxes one time during the year and collecting a two month escrow cushion. 
Collecting and maintaining an escrow cushion is a change in servicing practices from what was stated on our initial disclosures which ( see Attachment D ) with do not reflect such a cushion in the Truth in Lending Disclosure Number of Payments, the HUD-1 Reserves deposited with lender section, line XXXX or XXXX ; and the Good Faith Estimate of Settlement Charges To date the loan servicer had not collected an escrow cushion at any time since origination in XXXX and had historically paid the real estate taxes semi-annually. These changes by SPS resulted in SPS requiring either a one-time payment of {$6300.00} or a monthly payment increase of {$500.00}, from {$3700.00} to {$4200.00}. 
Had SPS chosen to make semi-annual payments, as had been the practice to date for XXXX, there would have been a surplus of {$440.00} rather than a shortfall ( see Exhibit XXXX below ) without the added 2 month cushion or a shortfall of {$1000.00} with the added cushion. 
We contend that this large adjustment was the result of unnecessary practice that is unfair and harmful under UDAAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
i AM GETTING UN-AUTHORIZED BILLS FROM CHASE REGARDING ACCOUNT NUMBER XXXX. APPARENTLY CHASE OPENED AN OVERDRAFT PROTECTION IN XX/XX/2005 ON MY CHECKING ACCOUNT NUMBER WITHOUT MY PERMISSION AND NOW THEY ARE SENDING ME BILLS FOR XXXX FOR THAT APPARENT PROTECTION THAT I NEVER SIGNED FOR. I HAVE CALLED THEM SEVERAL TIMES BUT ALL I GET IS RUN AROUND AND TRANSFER FROM 1 PERSON  TO THE NEXT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: TENET HEALTHCARE CORPORATION
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I noticed a collection debt on my credit reports and I disputed it because I had no idea what it was for. I received the dispute status back from the credit reporting agency and was informed that the debt remained. I contacted the company Central Financial and was informed that it was a bill from when I was XXXX. I informed the representative that they should have billed the insurance and then my Health Savings account that I provided to them in the ambulance and at the hospital prior. Somehow either the original hospital I went to did n't forward the information or they did n't bother to request reimbursement from the savings account credit card but instead they just sent it to collections. I never received anything contrary to what the company is stating. They are completely lying about sending me anything to show what the debt is for and ca n't even explain why they did n't submit the balance to the credit card/HSA card that should be on file. When I explained to the girl that I was willing to make a payment and take care of this bill but that they needed to delete it from my credit reports in return she informed me that they would n't. I informed her that it gave me no incentive to pay for it then so unless they remove it from my credit report then I would n't pay it at all. It 's not causing me any issues right now because it 's the only negative on my report and due to them not billing it correctly in the beginning, I now have to deal with this. I am willing to pay this bill now if they would agree to delete it from all XXXX credit reports that they have sent it too, otherwise it will delete off my report in another 5 1/2 years and I wo n't be paying anything. I do n't have a job at this time so I do n't have an income to even pay this bill, but I am still willing to take care of it thru my HSA account to get it removed from my credit report. They have to give me something in return since this is due to the practices of both XXXX XXXX and Central Financial Control who have both been in trouble for their billing & collection practices. This bill was actually incurred supposedly during the same time period that they were fined for and I should have been notified of the lawsuit against 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 2017-02-10
Company: Global Recovery Group
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I am receiving threatening phone calls stating I owe money but will not tell me what this is for. XXXX. I am recently widow and I am scared.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05
Company: Capital Management Services, LP
State: FL
Product: Credit card
Issue: Other

Complaint:
Got a call on a credit card account that was delinquent and had been turned over to Capital Services debt management to collect the outstanding balance of ~ {$2500.00}. I did not recall having an account with the credit card company, XXXX. I then called XXXX and they confirmed that I DID NOT have an account with them. I then called Capital back, but they would not discuss anything with me unless I gave them my SSN. I was not about to give then any information, so we hung up. 

I looked the company on the Internet and saw/read many complaints. Sounds like these folks are scammers and I wanted to report them to someone official.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: Navient Solutions, LLC.
State: TX
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:
My student loans are being paid through Navient. I have been paying on my student loans since XX/XX/2006. My initial loan balance was about {$5000.00} or a little more. Currently my loan balance is {$3900.00} some of my loans are subidized and some are unsubsidized. I am being charged SO much for interest and this is giving me no relief in paying my loans off. I do n't think that I 'm being billed fairly. Navient has had a lot of issues an I feel that my loan needs to be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Senex Services Corp.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
SENEX COLLECTION REPORTING ON XXXX CREDIT REPORT A COLLECTION WITH XXXX HOSPITAL WHICH IS NOT MINE..ONLY DEAL WITH XXXX IN THE PAST XXXX..ON XXXX ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I believe that I have unfairly been charged 2 separate overdraft fees for the same day. On XX/XX/2017, Bank of America processed a series of charges which caused my checking account to go negative by a few dollars. While, I very much find the timing and manner of which they processed these charges objectionable, I will concede that I did schedule more charges than was currently in my account believing that I would have time to deposit more funds ( which I did the very next day ). What I find virtually criminal is how they structured the events ( of the same day ) so that they took a minor amount from another of my accounts to charge me a " {$12.00} overdraft protection fee '' and then charge a " {$35.00} overdraft fee '' for the same day all processed simultaneously!

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 2017-04-03
Company: MEDCAH, Inc.
State: HI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was living with a friend and moved out they where notify and the cables still continued to be on there for it became a huge bill. Never received anything about tell I checked my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Mobiloans, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Name of Creditor : MOBILOANS LLC Address : XXXX : XXXX, LA XXXX Re : MOBILOANS LLC Amount : {$760.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.

Company response to consumer: Untimely response
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I get harassed all the time even when I 'm in school or deferred from XXXX..to evening..I owe a XXXX dollars now it 's a never ending struggle.I just want an end to this never ending cycle.with no help at all

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: KY
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:
After graduating from my for-profit school XXXX I found it hard to find a job. I called my loan provider XXXX now Navient, and they told me to get a forbearance. I ask them if there was any other ways to help with my loan and I was told no. They told me that I would not have to pay on my loan but interest would still grow. This went on until XXXX and I found out about income base repayment plans. I have been enrolled in that since XXXX. In XXXX I ask about low forgiveness since I work for the XXXX. They told me my loans did not qualify and I would need to re-conciliate my loans and that my prior year payments did not count towards the 10 year forgiveness. I wish they would of let me about income base repayment plan in XXXX and less interest would have grown.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband wrote a check out to Fifth Third Bank from his XXXX account to pay our mortgage. The check was solely intended to pay for the mortgage and is clearly noted in the memo (lower left corner of the check with my name and the Mortgage account number). Fifth Third Bank is holding these funds in my checking account, which is unfair! It is making my mortgage accrue interest and late charges that I should not be responsible for! Fifth Third Bank falsely (XXXX from the XXXX, Ohio branch) informed me today via telephone that the funds from XXXX were not available and if she made them available, I would be charged an additional fee. She ended the call with me shortly after that stating that she has "other customers waiting". I waited for service, too... My end result was getting hung up on. My husband called his bank and was told the funds were already cleared as of XX/XX/XXXX17. I want this resolved immediately and feel like I'm being taken advantage of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-06
Company: SUNTRUST BANKS, INC.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This is a complaint about Suntrust. My car was totaled, other party was 100 % negligent, other party 's insurer, XXXX, paid fair market value and my insurer, XXXX, paid the difference to pay off car loan entirely. 
During this time, I received daily harassing phone calls, often before XXXX ET, from Suntrust 's collections department. Each and every time I assured them that the car was totalled and the entire payoff amount was already issued by XXXX and XXXX and provided account numbers supplied by those insurers. Suntrust demanded that I pay my monthly payment directly to them, offering to refund the difference when they processed those checks, and threatening to damage my credit if I did not pay immediately over the phone. On the last such call, Suntrust verified that they received payment and said the account was paid in full. Today I see that my credit report now shows a Delinquency for {$0.00}. I find this to be insulting and abusive treatment.

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 2015-06-18
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Got a {$200.00} gift card from XXXX for signing up. Used it XXXX. Then a credit card bill came in the mail from Sears XXXX XXXX for the amount. I did not apply for a credit card at Sears. They refuse to listen to me. They say to pay it. Now they wo n't even talk to me about it because they have turned it over to collection. They are charging me {$50.00} per month for late fees and interest. I do not have a Sears credit card!!! Now my credit is ruined.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
I currently have a discrepancy of {$220.00} on my account. When you add up my current balance transfer and purchase balances, customer service states that I owe them more than I actually do. Every month I need to call in to customer service and speak to a manager to get my balance corrected. I am beginning to believe that the employees working for Barclay flunked out of grade school and are too stupid to know how to add and subtract. I have talked to several supervisions who have seem the error but refuse to fix the error and demand that I pay 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 monetary relief