BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by Portfolio Recovery Associates , LLC. While checking my credit report, it came to my notice that Portfolio Recovery Associates , LLC has furnished an account ( XXXX ) on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account ( XXXX ) immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication, confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-03
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft XXXX XXXX An account with XXXX XXXX was opened 3 days after we filed a report, but I was not notified of anything until a collection agency contacted me in XXXX XXXX. I called XXXX and was told they would take care of it. XXXX XXXX a XXXX collection agency contacted me. I again contacted XXXX and sent the information they requested by e-mail and received an e-mail in reply XXXX/XXXX/XXXX I received no further contact until XXXX/XXXX/XXXX when a XXXX collection agency contacted me. When I asked XXXX why the debt collection notification was the first I knew about the account they told me the original address was in XXXX XXXX XXXX. I live in XXXX. They could n't tell me how they then got my correct address. My husband and I have done everything to ensure that the identity theft was reported correctly and I know the FTC was notified also. I do n't understand why XXXX thinks that we will pay this bill.

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 2016-08-25
Company: TMX Finance LLC
State: GA
Product: Consumer Loan
Sub-product: Title loan
Issue: Lender repossessed or sold the vehicle

Complaint:
I confirm that I do owe a past due balance, along with the repossession fee. And I have waited for two weeks, but I keep being told by the branch manager that he has n't heard from his district manager yet as to the exact dollar amount I owe? My only request to resolve this matter is to be told what amount will satisfy this debt so I can retake possession of my vehicle before it is either sold or salvaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My aunt has an automatic payment set up through her checking account that needs to be cancelled. I was recently added to the account as her attorney-in-fact after she was deemed incapable of handling her own affairs. The automatic payment can not be cancelled. This post week I went to my local branch, sent messages through the online banking portal, and called the customer service department. I was told by all that, because the automatic payment was set up under another online user account, only that user can access the automatic payment. Company representatives can not access it or adjust it in any way. My aunt has never owned nor knows how to use a computer, so my best guess is that a banking associate assisted her by creating an online profile and setting up the automatic payment on her behalf. My only recourse for canceling the payment is to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: GREAT LAKES
State: SC
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XX/XX/XXXX, XX/XX/XXXX, they said I had a zero balance on my student loans because of proof of a XXXX. Every year they open it back up again after I sent them medical proof and my social security XXXX proof of XXXX. I am suppose to have a XXXX balance on all of my student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX - XXXX NORDSTROM XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX Dear NORDTROM, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-15
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My auto loan company started to call me at my place of employment, leaving messages on a shared voicemail, sending emails through my work email, making repeat phone calls through my work phone. When calling my work cell at no time do they ever mention 1. who they are 2.that they are debt collector, just their name and to call them. After getting repeat phones calls from the time I arrive at work until XXXX at night. XX/XX/XXXX I sent a email to the manager to stop harrassing me while I 'm working. i received his response on XX/XX/XXXX stating the he place the cease and desist on my account, as per my request and will be honoring the cease and desist going forward. However sin the last few months I have received over XXXX threatening calls/emailed combined on my work phone and shared email account. when i post my XX/XX/XXXX payment on line as requested by a letter i received in the mail that it must be paid by XX/XX/XXXX, immediate after it posted I received another threatening call telling me I 'm still not caught up. Please help me in this matter I 'm a XXXX and receiving all of these threatening calls and emails are causing a great deal of stress and try to do my job so that i will have monies to pay my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I have an account with target I pay my bill on time every month but I have noticed for the past few months when I check my available credit it tells me I have a certain amount then 2 days later it 's gone ex paid XXXX bill on the XXXX went to target spent XXXX on the XXXX I only have {$9.00} available credit called them they told me it was interest for XXXX I asked them is n't XXXX interest included in my XXXX payment and he said yes so the why I see it I 'm paying interest twice. I told him if I have {$200.00} credit available at XXXX XXXX and I spend XXXX I still have XXXX left until my next billing cycle I have never heard of this type billing before

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: JPMORGAN CHASE & CO.
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2015 Chase Bank, XXXX XXXX XXXX XXXX XXXX, XXXX Michigan XXXX sent a Fraudulent Wire Check Transfer to my XXXX XXXX, Michigan Account for {$1500.00}. I withdrew this {$1500.00} out of my checking account on XXXX XXXX, 2015 not knowing that is was fraudulent. On XXXX XXXX, 2015 XXXX XXXX, Michigan informed me that the Wire Transfer Check had Bounced from Chase Bank, and I was being charged for {$1500.00} and all subsequent overdraft fees. XXXX XXXX subsequently took my deposits into my checking account Veteran 's, Unemployment, ect. to pay for this bounced Wire Check From Chase Bank, and closed the account leaving {$800.00} unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have always had medical insurance. XXXX hospital made an error in their billing and they state that I owe them money and I do not. Collections Consultants calls and harasses me stating they will sue and take me to court. I once tried to pay off a debt of XXXX which was the only amount that it showed I owed and when I tried to pay they did not accept it they stated that I owed over XXXX. This company seems very fraudulent and they operate like an organized crime group full of uneducated thug like individuals. Please shut them down. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Balance of loan payment and credit use is incorrect and inaccurately reported. Auto loan balance listed as mortgage from XXXX XXXX XXXX is now {$1500.00} as at XX/XX/2016 but to date all XXXX credit reporting institutions report it to be {$13000.00}. I disputed that by writing to them all enclosing proof of payments as furnished to me by XXXX XXXX XXXX. Nothing has been done and thus I have totally failed to get a financier for my leased car hence returned the car. Likewise, I can not get any loan whatsoever the amount due to that misreported outstanding balance. Humbly seek assistance to have record corrected as per attached documents provided by XXXX. Thank you so much for your kind cooperation.

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 2020-10-06
Company: CITIBANK, N.A.
State: FL
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:
On XX/XX/2020, I check my XXXX XXXX  and I seen that Sears/CBNA ( Complete Dept.stores ) is currently reporting on my credit report. I have no affiliation with that company and I didn't sign up for anything with that company. This is fraud and I recommend that you close that account immediately. Sears/CBNA reach back out to me and said that they're no account that below me that's current in their system. Which that this information is reporting inaccurately and needs to be remove. You can reach me at XXXX if you have any question or need any help with anything.

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 2015-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Bank of America. I called bank of america to settle a debt and wanted the letter of the settlement faxed over in order to clear the debt due to the fact I am purchasing a home and it is time sensitive. They were unable to fax a letter and when I was finally able to get them to fax it, it would take 24-72 " Business Hours '' for a fax. The representative said that their supervisor did not want to take the call. They were there the whole time and refused to take the call. Spoke to XXXX XXXX, XXXX XXXX, and the supervisor who refused to take the call was XXXX. 24-72 business hours, meaning that I would have to wait the entire weekend to receive a fax is ludicrous and ridiculous. A fax takes 5 minutes to send but they refused to meet my request. Horrible experience and horrible customer service. Bank of America is the worst bank ever. Their representatives talked over me and flat out said they will not help me and were not going to do anything. Do not bank here!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Other

Complaint:
For the past 3 years my account has been routinely frozen, usually without them notifying me. This is because they tag recurring charges as fraud. I have called repeatedly to tell them to stop tagging suppliers I have been dealing with for 3 years, and they just keep on doing it. Nothing I say or do seems to help. Some of my suppliers have multiple charges on XXXX statement. They keep telling me the problem is fixed, but it is n't. I am tired of my suppliers calling and telling me my card wo n't go through. Yesterday, for the first time, my card was refused for a personal purchase at a food store. I was so horribly embarrassed. This has NEVER happened to me. Why? Because they froze my card and did n't tell me. The reason was, yet again, because of supposed fraud. But, it was just my regular suppliers they had tagged. When I called to complain, again, they claimed they had called me. When I told them they certainly did n't, they then said they had sent me a letter. Kidding right???? I asked to speak to a supervisor, who transferred me to the fraud dept. I spoke to a XXXX in the fraud dept. who was supposed to transfer me to someone higher up, but instead hung up on me. This has to stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: Navient Solutions, LLC.
State: KY
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was a co signer on a Student loan with my nephew from XXXX XXXX, they sent the loan to Navient to collect because my nephew missed payments. They have never made any attempt to call him for payment. I gave them his name and address and number with no result, they continue calling me. Then my father paid ( XXXX XXXX ) the loan off and they are still calling and sending me bills, not from XXXX XXXX but from Navient. They have ruined my credit falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I Did a modification with Bank of America in XX/XX/XXXX, so around XX/XX/XXXX.or XX/XX/XXXX. 
I started receiving copies of my modification packet stating while reviewing the documentwe noticed that XXXX or more items were missing in order for it to be recorded at the localcounty recorder of deed. Bank of America wants me to sign the new modification papersI had an attorney to do the modification I was even offered XXXX dollars to sign, but Ido n't Trust Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: Navient Solutions, LLC.
State: AL
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:
This loan started out as a {$3100.00} private student loan : XXXX Lender : NAVIENT PRIVATE LOAN TRUST ( XXXX originally ) Disbursement Date : XX/XX/XXXX Original Principal : {$3100.00} I have been paying interest only on this loan since XXXX ; however, the loan has ballooned up to {$5100.00} with an interest rate of 6 %. The interest only payment ends XX/XX/XXXX, wherein the payment will increase significantly. My complaint is that this loan balance should not have doubled since I have being making interest payments for almost four years. This student is being scammed by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I am writing to complain about the Fidelity XXXX XXXX XXXX XXXX XXXX XXXX issued by FIA Card Services. 
Consistently, every month, my spouse or I are declined at the point of sale for small amounts, such as today for {$5.00} for an XXXX transaction and a {$64.00} meal transaction at a restaurant in the same city that I live in. And consistently, we have to be embarrassed at the point of sale followed by a call to Fidelity Card Services, where they trot out the same old excuse of fraud scanners and analyzing for suspicious activity. This happens at least once every month and they claim that they will rectify it. It is at the point where I plan on closing the account because of the level of interruption.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Navient Solutions, LLC.
State: CO
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:
An agent approved me to use a credit card to pay off my students loan as long as it was paid off within 90 days. She stated the pay off amount would be honored for two weeks. I called one week later to give credit card info and the agent told me they were no longer accepting credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient has been harassing me and my co signer for about two weeks now in regards to a payment. The issue is that their system is not allocating the correct money to the XXXX accounts hence why XXXX account is being over paid and another loan account is being shorted. Notes have been placed on the account and not XXXX person that works there has fixed this issue. The calls are about XXXX times per day per person, I have explicitly stated that this is harassment and they have told me they have placed notes to not call again but they still do. This is such a frustrated situation and I hope nobody and to go through this!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-02
Company: Navient Solutions, LLC.
State: KY
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 have had financial set backs over the course of 4 years. I have modified my quality if life to relieve my debt ; but these private student loan interest rates have made it impossible for me to pay and survive at the same time. I have been harassed by callers and by mail. The proposed payment amounts are unrealistic. The problem is the steep accruing interest -- not the original loan amount. I have paid my other bills, controlled my spending, sold furniture and took my daughter out of private school. These loans not only affect me, but yet another generation. The berating from the company callers is incessant and demeaning.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Navient Solutions, LLC.
State: NY
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:
With respect to the Income Based Repayment options offered through studentloans.gov, I have experienced issues, delays and problems every time I have applied or sought to renew or re-apply for Income Based Repayment through studentloans.gov. They make the application process over-complicated which I believe is intentional or at the very least, unnecessary. For example, I recently learned that my payment to Navient would double despite the fact that I filed for Income Based Repayment two months ago. The reason I was given was that I could not verify my spouse 's income which is laughable since my spouse 's income was imported directly into the application from the IRS ( I file jointly ). I would not have indicated that I could not verify my spouse 's income. This is the third time I have had issues related to my spouse and my application for Income Based Repayment. Rather than being reported in default and/or suffer the consequences of negative credit reporting, I recently paid the higher amount. This is a glaring example of how Navient and others extract money from borrowers and discourage income based repayment plans. I will attempt to discern how to rectify my current income based repayment issue through studentloans.gov ( I will have more issues next year without question ) but want to point out the questionable and deceptive lending practices. When I spoke with Navient today they were perfectly able ( through the " back office '' ) to determine the supposed problem with my income based repayment renewal application but did not offer to lower or adjust my payment for this month either now or when I rectify the purported problem. Rather, they point the finger at studentloans.gov and claim that my next payment will be lower if I go online and resubmit my IBR. Will see. Very convenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: TENET HEALTHCARE CORPORATION
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
They do not have any documentation in their files to verify the accuracy of these disputed accounts and they should delete them immediately as required under XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.

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