BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-14
Company: Navient Solutions, LLC.
State: IL
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 been trying for months to get this company Navient to backdate the posting dates of my checks. My bank has faxed them the front and back of every check sent from XXXX XXXX XXXX for the entire year of 2015. These checks are stamped on the back by the XXXX Treasury. Navient sees the date on the front of the check, the date stamped by the XXXX Treasury on the back of the check, and yet posts my check days later. They keep reaching out to their financial department with the advice like the bank should only send XXXX big check instead of XXXX individual ones for XXXX different loans. When I do this, I get the same posting late problems. The associate backdated my check right away as recently as last month. I have had some associates backdate some checks and others are more reluctant. I know this is a huge compliance issue because I am being charged daily interest. These discrepancies concern the majority of my payments ; as much as XXXX percent. When you multiply my daily interest by thousands of other customers who are paying through bill pay like me ; it is an issue. I have been informed by my bank ; XXXX XXXX XXXX ; that they are directed under contract by Navient to only send paper checks, thus setting me and thousands of customers like me up for failure. I tried to send my payment through their website with the very first payment and Navient said they do n't know why it was unsuccessful. They have a record of this. When a company asks for proof of payment and the bank faxes proof, why ca n't they fix this? I have paid more than the required payment every month, yet they sent me a letter about if I need financial help and want to go into forbearance! What is wrong with this company? To add insult to injury they have taken away some kind of credit for not paying my loans on time! Is anyone out their paying attention? This is unethical, not to mention illegal. Think about daily interest times thousands of customers. This is fraud and needs to be addressed by a good lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: United Accounts, Inc.
State: ND
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
United Accounts was awarded a judgment against someone with the same name. They put the judgment on my property and refused to remove it when I showed them it was not my bill. I had to pay the bill to remove the judgment from the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I filed a dispute on a transaction that occurred in my Chase premiere checking account. The Chase dispute department handled my dispute by crediting my account {$130.00} in provisional credits. The Chase dispute department informed me that my military service allows the 120 day window to be extended to one year. They offered to refund all fees that were charged regarding this transaction as a curtesy. Later, I was informed by the Chase executive office that they would be charging back all fees that were waived as a courtesy. In other words taking back what was promised. I was told the reasoning was Chase did internal research that I was not actively in the military the past year. However, XX/XX/2016, when I opened this account, I provided documentation showing my military service so I could open a preimiere checking account. I had to validate my service to open the account, right? Also, I did not authorize Chase to do any personal background research on myself. I signed nothing nor agreed to that. Additionally, what resources did Chase use in their background research? Obviously their resources are not valid unless Chase banks claims Are a complete lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
We were told our lowest payment option was interest only payments, Which we have found out is not true. 
Our interest even after payments accrued every month. 
Payments were allocated to incorrect loans by Navient. 
We have contacted Navient several times only to be told there is nothing they can do. 
We also were told by a Navient individual that would work with us after defaulting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
The Bank of America allegedly took the part of a seller of debt credit without screening how appropriate its consumer base was when doing so. It was negligent in the screening and should be held accountable.

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 2017-01-23
Company: Navient Solutions, LLC.
State: VT
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 fell behind on my federal student loan as a co-signer. The servicer of the loan is Navient. All they offered me was forbearance. That was it. No income-based repayment. All of this transaction was recorded by Navient. I agreed to forbearance thinking that was my only option. What should I do to rectify this situation? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was set up on a financial assistance program in XXXX due to financial hardships due to changing jobs. I then found out that I was canceled due to the representative setting my payments up as an ACH transaction as opposed to a purchase. I received numerous collection calls after this was set up and this was the only way I knew that my account was changed from a positive to negative standing. I then called and spoke to a supervisor to get this set up again in XXXX. I come to find out today, 5-10, that I was cancelled per a rep. named XXXX. XXXX told me that " the head manager '' declined me, not because the financial assistance program was n't being followed, but because Navient changed their mind in determining my repayment ability. I asked XXXX for an email with some specifics so that I could later call back and speak to a manager but he said that " he was the one who dictated what could be communicated '' and what I wanted was not available in any form. XXXX was rude, intimidating and not helpful. I already paid money to Navient yet do not know what my account status is. I am very worried and concerned that my credit will be affected. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
The employees at Experian is selling and exchanging information with XXXX XXXX and reporting adverse information in my credit file.They have refused to verify the adverse information they are reporting.No one has physically verified the actual signed contract account documentation that they are suppose to have on file already, before reporting the adverse information violating my rights under the Fair Credit Reporting Act.They refused to honor my Identity Theft Affidavit omb # XXXX, Blocking Request, and Identity Theft Reprt on file with the US Postal Inspection Service.They continually send me form letters threatening not to investigate ignoring my Identity Theft Report and Blocking Request .They also refuse to do a proper investigation.This account is inaccurate because it has not been verified.They are violating my civil rights and breaching their Legal and Lawful Fiduciary Duty by not doing proper investigation before reporting this adverse account.Federal Trade Commission Identity Theft Affidavit does not have an omb # issued by the director in accordance with the act.

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 2015-04-17
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am a victim of ongoing identity theft on or about XX/XX/XXXX someone opened a Sam 's Club XXXX Credit using my personal information as the personal credit guarantor. I recently discovered this when I checked my personal credit report and discovered that a Sams Club XXXX account was opened and charged off. 
The name of the creditor is Synchrony Bank. I written Synchrony Bank about this issue XX/XX/XXXX I have n't received any written response from the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-02
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was contacted today by " XXXX '' from XXXX XXXX XXXX. " XXXX '' failed to provide a last name ; which is illegal. Without proper verification ( there was no request for personally identifying information other than the fact I verified my name ) I was advised that I had an outstanding balance on an Old Navy credit card and was requested to settle the balance in full or establish payment arrangements. 

I politely requested that the company no longer contact me at this number, at it is a work number and also advised that I wished for the company to cease and desist. " XXXX '' advised me that I would need to put the request in writing, which is understandable, as this is per the FDCPA. However, when I requested an e-mail address, XXXX advised me that the company would not accept my cease and desist request in this manner, as it had to be in " writing ''. 

After all of this, XXXX provided me with a previous address which I had lived and requested that I update this address. I advised XXXX that I would not update my address and I would contact them when I wanted to resolve the debt. 

XXXX advised me that the debt would remain in collections and that they would continue following up with me until it was resolved ; despite my request for them to cease calls to my number and to cease and desist completely. 

There were several violations of the FDCPA here. More than I care to waste time going into.

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 2015-11-07
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card
Issue: Billing disputes

Complaint:
I have had a credit card with JC Penney 's for over a year, and while it was great at first, my account was recently taken over by Synchrony Bank. Since then, I have noticed that several times when I pay my bill online, Synchrony will wait more than 72 hours to withdraw funds from my bank account. Because of their delay and the fact that I am a college student who lives more or less paycheck-to-paycheck, there have been a few times that I had the money when I authorized Synchrony Bank to take my payment but they waited so long that by the time they withdrew my money, the money was no longer there because I have had to buy groceries or pay another bill that was due between my JC Penney 's bill due date and the time Synchrony takes out the money. This results in my account not having sufficient funds, and when Synchrony tries to take the money after 72 hours or longer they can not withdraw it, and they end up slapping a {$30.00} fee on my credit card bill, along with increasing my minimum payment ; because of their behaviour, my minimum payments have gone from about {$30.00} a month to a current minimum of {$82.00} dollars. When I called customer service to discuss this with Synchrony, they did nothing to resolve the problem and simply demanded that I pay the {$82.00} by XX/XX/XXXX. I pointed out that when I use pay my other credit cards, the payments are withdrawn in less than 72 hours, and when I asked the customer service associate, someone named XXXX, about this oddity he provided no explanation other than to defend his employer. He then dismissed my call, saying that I needed to call another number. When I asked if this was customer service, he said that it was n't, even though the automated phone system directed me to him after I chose to speak with customer service. 

Now Synchrony has closed my account and is demanding that I continue making payments on the amount I still owe. Effectively, they have bad business practices and are punishing me for their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Prior to XXXX XXXX, 2016 I provided Experian a copy of the court judgment in my favor and against XXXX XXXX for an account that was showing on my Experian credit report as an inaccurate derogatory entry. 
Despite XXXX receiving the same information from me and immediately removing the inaccurate information, Experian refused to remove the erroneous account from my credit report. Followup disputes to Experian were done via certified mail and by complaints filed with the CFPB while Experian continued to refuse to comply with the FCRA. 
As I stated in my XXXX/XXXX/2016 reply to Case No. XXXX : " In response to my written requests and my first CFPB complaint, Experian failed to provide any evidence or documentation to justify its failure to do a reasonable investigation and comply with the court judgment ( I provided them copies of ) by immediately removing the disputed XXXX XXXX account. Now, without any explanation, the disputed account appears to have mysteriously disappeared from the " current credit report '' supplied by Experian by mail ( report # XXXX, dated XXXX XXXX, 2016 ). '' Since it has been two weeks without any response from Experian, I am filing this complaint to assist Experian in providing me copies of any and all evidence that it possesses or controls, including documents, electronic transmittals, etc., that support its allegation that the furnisher XXXX XXXX validated the debt so convincingly that Experian could ignore a court judgment and continue to report the inaccurate and erroneous information regarding the XXXX XXXX account # XXXX XXXX XXXX XXXX on my Experian credit report. 
Again my mailing address is : XXXX XXXX XXXX XXXX, AZ 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 2022-08-04
Company: American Credit Acceptance, LLC
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : AMERICAN CREDIT ACCEPT XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
MY REPORT REFLECT DIFFERENT VARIATIONS OF MY NAME, I WANT MY CORRECT NAME AND CORECT ADDRESS REFLECTED SINCE I HAVE A VERY COMMON NAME.

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 2016-07-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My house insurance score in MI was lower than I expected and XXXX of the rating codes stated I had collections and past due amounts. Seeing this, I logged on to request a Experian report. On the report is a collection agency attempting a collection but its not an account that I ever opened

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 2016-06-29
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a collection account on my credit history but this collection account is paid. I submitted the documentation that this account is paid and yet Experian denied my appeal.

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 2016-09-09
Company: CASH AMERICA INTERNATIONAL, INC.
State: OH
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I 've been harassed by this company for 3years. They removed funds from my XXXX account, and they 're still harassing me. The gentlemen basically threatened me today, disclosing information that 's none of their business. The number that called was XXXX, and I 'm on the " do not call '' list.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Attorney debt collectors are attempting to collect a debt that is not mine and can not furnished how I owe them under the law. I do not have to communicate with them as they have not given me the required original documents of how and why I owe them. The debt is not mine.I am really poor and have no money and a XXXX I do n't have money and I can not pay for a debt that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
There was a charge to my account on XXXX/XXXX/16 I did not recognize so I called to report fraud. They closed my account and sent me a new card while they investigated. Then on XXXX/XXXX/16 there was another charge from the same merchant but on my new account? I found this out when I called them to follow up on the status of the first fraud charge. The amount was different than the first charge. The amount is reflected in my balance but is no where in my activity or on any of my statements. They can not explain why but assure me the charge is there. Again I told them I have not done business with this merchant and I want it removed. I was angry they even allowed the second charge and did not even notify me. And therefor what is the point of closing the account and giving me a new XXXX if the person committing the fraud can still charge the previous account and then it bounces to your new account. Their explanation was I must have signed up for something with monthly payments. Again I told them I did not. Next they closed my XXXX card and issued me a third XXXX. They gave me the number for the merchant and I called and spoke to a man. He said it was his business but he did not charge my account. He said if I can show him proof with a statement or activity he would gladly send me a money order. I called the credit card company again and they told me they ca n't print it and they have no idea why I ca n't see it or why it is not on my statement. So I ca n't go that route. Next they said they will need to start another fraud case and investigation for this new charge. At this point it has been 2 months and about ten phone calls around in a circle with a different person every time and the amount is still reflected in my balance. The last person I spoke with assured me they would take care of it and it would be XXXX5 business days. It has been XXXX now and I 'm fed up and very angry. I also wrote them a complaint letter and go no response.

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