BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-27
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have received several collection calls from Medical Business Bureau ( " MBB '' ), alleging that I owe {$150.00} for medical services rendered on XX/XX/XXXX. The most recent call was on Monday, XX/XX/XXXX. According to MBB 's representative, this debt is associated for the medical services of XXXX XXXX XXXX. 

I have called the doctor 's office, but they do not have a record of services rendered. In fact, the office claims that the doctor was not with the practice in XXXX. I have requested a verification of debt from MBB, but they have not produced one. I expressed all my concerns to MBB representatives, but they do not have answers, nor do they care. 

MBB is, however, reporting negative information on my credit reports, which is impeding my ability to obtain credit. 

MBB is also not following the requirements of the FDCPA. I never received notice of the debt as required by 15 USC 1692g. On Tuesday, XX/XX/XXXX, I faxed a dispute and requested a verification of the debt -- that letter is attached. MBB has failed to produce anything in response. But the phone calls have stopped -- perhaps because the proof does not exist. 

I am requesting that MBB cease all collection efforts and remove any negative information from my credit reports. I would like confirmation that this information has been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Late fee

Complaint:
In XXXX XXXX, I opened a credit card account with Bank of America. It was a transfer balance of {$5000.00}. There was a fee of {$150.00}. The due date of each month was the XXXX with a minimum initial payment of {$51.00}. Now both my wife and I have excellent credit but for some reason I never could seem to find a rhythm with this card. I always paid much more than the minimum but inadvertently missed payments on occasion and/or was a day or so late. Part of it was I was out of town on business a bunch during early XXXX and just was losing track of things. I missed my initial payment in getting the account set-up ( made up in the next payment of {$500.00} with more than the minimum due for XXXX payments ) There was one more payment I missed in XXXX. In XXXX I continued to be late missing the cutoff on XXXX payments and paying late fee each time. As I said I was out of town for much of the first 5 months of the year. Then on the 5th and 6th payments in XXXX starting XXXX/XXXX/XXXX I paid XXXX payments one of {$500.00} and then {$2000.00} for a total of {$2500.00} on the account leaving a balance of {$1600.00}. The next payment I paid {$750.00} leaving a balance of {$920.00}. The next XXXX payment I inadvertently missed again and was charged a late fee of {$25.00} and then {$38.00}. Then on XXXX I paid {$100.00} and on XXXX $ XXXX.The remaining balance was {$370.00} which I paid in full, but unfortunately 2 days after the XXXX cutoff posted on XXXX. I was charged additional {$25.00} late fee even though I paid it in full and there was now no balance due. I called to get the {$25.00} charge reversed for the XXXX statement and was denied even though the account was now paid in full AND since the account was open in XXXX XXXX ( over a year ago ) I had only asked for XXXX reversal which was the initial payment in XXXX XXXX. Essentially we had paid {$260.00} in late fees from opening XXXX to paying off the account in its entirety XXXX. I asked them to reverse the very first payment late fee and the very last for a total of {$50.00}. I asked for nothing in between and took responsibility for those late fees, but the very last one while I missed the cutoff I did pay in full {$370.00}. We really thought with all the fees and the fact we have good credit and always paid much more than the minimum that last late fee was out of line. When I called to have it reversed in XXXX, they denied that last reversal. Are they in their rights? I suppose one could say they were, but they made lots of money off of us and that last reversal cost them any future business with us all for {$25.00}. I called one last time today as I was going over the finances for tax purposes and was reminded of this matter.They still denied the {$25.00} reversal of the last late fee. I think they took advantage of us and that is why I am writing today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
A few years ago my private student loans came due with Navient/XXXX. At that time XXXX with the company had a total payment amount of XXXX a month and XXXX I was barely making the XXXX to afford my rent and utilities while having to utilize food stamps to actually eat. When I called to ask about the possibility of getting on an income based payment plan and consolidating the loans to a suitable payment system and I was told that I should apply for government assistance on housing so my rent money could cover the loans. When I told them that I could not do that I was told that I was out of luck because my particular loans do not allow for Income Based Repayment. They have since increased the balance on my loans to close to twice of what they were and sent them to a subsidiary collection company that they own. And even after filling bankruptcy I still can not a health payment plan that does n't take every penny I earn thus making me homeless because I ca n't pay rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, After contacting the XXXX XXXX XXXX XXXX XXXX, they helped us identify that we are potential victims of mortgage fraud and insurance fraud/bait and switch on our original FHA XXXX mortgage. However they say they do not have funding or attorney availability to assist us. 
I was charged for $ XXXX in homeowners insurance for a number of years. After a recent incident that was estimated & gt ; $ XXXX in damages, it was found they only provided approx. $ XXXX total in coverage. I cant get work done because the mortgage company holding the insurance money and now trying to foreclose ( CVE XXXX ) despite the fact we have been following their instructions and they have nothing filed at the local courthouse to identify a lawful foreclosure. We have all copies of all documentation to include the {$90000.00} of insurance and inter-office instructions from Bank of America telling their inspector to lower repair estimates. 
We do n't know what to do and are tired of living like this. Any advise or help you could provide would be greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have reviewed my credit file and have been turn down for credit due to Jefferson Capital listing me as still having active revolving line of credit with them. This item does show as XXXX balance however it does show as an active line of credit which is incorrect. I was told by XXXX Representative at the company on XX/XX/XXXX that a request to delete my information was placed to all XXXX credit reports. I still see this item listed and have been turned down for credit due to this situation. I spoke with XXXX from consumer relations department at Jefferson Capital who researched and stated that this item should have been deleted XX/XX/XXXX and stated that it was deleted however it still showed listed on my credit report. I would like full resolution on this matter I am a single mother working very hard to clean up my credit. I have paid XXXX of dollars to do so by filing chapter XXXX and have been discharged and I am very confused as to why this is still showing on my credit file and has prevented me from obtaining certain credit needed for my family. I have learned that this credit stared from XXXX credit card and was given to Jefferson Capital to act as their collection agency. When XXXX gave my information over to Jefferson Capital I was in an active chapter XXXX case. So this was incorrect reporting from the start. Because I lacked maturity and did not have the education and tools I have now I was not able to confront this situation. I would like your assistance with resolving this matter please.

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 2022-09-30
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I called a fraudulent XXXX XXXXXXXX XXXX XXXXXXXX web site. they sent me to XXXX to purchase a American Express prepaid gift card which I paid {$420.00}. I gave them the card number over the phone and never heard from them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I took out XXXX XXXX XXXX plus loans, which now are Navient, while attending XXXX University XXXX. I consolidated all my federal loans with the XXXX XXXX XXXX XXXX, through XXXX and they have been fantastic. I am in the Public Loan Forgiveness program through XXXX and tried to add my XXXX XXXX XXXX plus loans or Navient loans and Navient refused to add them. They told XXXX that these were private loans. Navient has not only refused to add these loans to my forgiveness program, but they have also refused to lower my payment. They have kept me in forbearance for a long time. Each time I have had to pay {$50.00} per loan to keep them in forbearance. I also receive robocalls at least seven times a day. All of the actions on the lawsuit against them, I have experienced. They raised my interest rate and have added a substantial amount to my loans. I will be attaching all the documents from Navient as well as my credentials for Public loan Forgiveness. Thank you for any help you can give me. They will not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: CT
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
I loaded money on my RushCard Visa @ XXXX. I logged onto my account & my money was n't loaded on my RushCard. I called RushCard & waited on the phone to talk to a rep for 2 hours. I finally got tired of waiting for a rep so I hung up. I 'm so disgusted, disappointed & upset. I called the number on my XXXX receipt for a refund, I typed my card number & XXXX digit security #. It said my card was invalid. That 's XXXX! My RushCard is n't invalid. I want my {$52.00} + {$3.00} reload fee refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-11
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I recently missed a lot of work over the past 4 months due to XXXX and other Medical issues. 
At the time I missed I had no PTO ( Paid Time Off ) and could not get FMLA approved. 
So I felt as if the only thing to do is take out XXXX payday loans with XXXX different Institutions. 
Due to the fact that I am in a Chapter XXXX, with only 7 Months to go things could go really bad for me. 
I could be evicted if my rent is not paid and at XXXX become homeless for I have no family or friends that can help me. 
The first was Advanvced Financial for {$1600.00}. 
They charge % 279.50 APR. My payments are XXXX per paycheck ( bi-weekly ). 
The second was with XXXX ( XXXX XXXX XXXX ) This place charges % 519.22 APR. There was also a finance charge of {$860.00}. 
The loan was for {$1200.00} the payoff is {$5000.00}. 
They will be taking {$250.00} out of every check ( bi-weekly ). 
With my current rent, utilities, gas, groceries, Insurance ext .... 
There is no way that I will be able to make the money to pay what they are asking. 
I have a meeting tomorrow XXXX/XXXX/2016 at XXXX with my Chapter XXXX Attorneys. 
If they can not help me I do not know what I will do. 
If there is any way that you can help I would greatly appreciate it. 

Thank You, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-19
Company: AES/PHEAA
State: UT
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was in school and was involved in a XXXX accident where I XXXX and could n't work and was offered a partial scholarship to XXXX at the school but that was no longer an option after the accident. I could n't go to school cuz I was in a hospital out in a different XXXX in a XXXX. After I started to recover I was in so much XXXX. I was in and out of XXXX the financial hole I had dug myself .The late fees I had occurred in that time period of recovering it has seriously damaged my credit and has made moving on with my life extremely difficult from car loans to home loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 XXXX XXXX  submitted me a contract of a vehicle loan under complaint XXXX-XXXX  this proves absolutely nothing and does not provide me with the documentation of FACTA 312 or UCC DEFICENCY INFORMATION AT ALL. I have attached exactly what documentation that needs to be provided or this will have to be taken further. Under UCC DEFICENCY this information was/is suppose to be provided to me as the consumer. Please see attached request. If this information can not be be provided then this needs to be REMOVED from my credit report because at that point XXXX XXXX is in direct violation of the laws. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank or America made an error. On XX/XX/2017 I was to receive a deposit from the VA. It showed as a deposit alright however, it had a negative sign attached to it. Which left my account negative and over drawn. I called and was told that the deposit shows as negative because it had n't posted yet. Well, the next day it still had n't changed and this time it read " error. '' I called and was told that they would have it corrected within 15 days. On XX/XX/2017 my other deposit from the BA hit as a positive leaving my account with less than five dollars. I kept in touch with the bank and talked to a handful of people including a bank manager. I am still waiting for them to fix the issue. In the meantime I have gone back to paper checks which take longer and I am going to have to cash them a different way because I do n't trust Bank of America. I went to the bank yesterday and they said that the VA has to basically release the funds all over again and that is what they are waiting on. Once that is fixed they have to submit a ticket for the next check and the overdraft fees. I was not given another time line for that. I lost my home and have had to move into a friend 's house because the Bank owes me over 3,000 dollars.

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 2016-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sent my mortgage payment to Bank of AMerica on 
XX/XX/XXXXas of XX/XX/XXXX my payment
had not cleared.........I called Bank of AMerica and they told 
me check must have been lost in the mail.......they told me 
to put a stop on that check and send in a new check........I 
did what Bank of America told me to do.......my new check 
cleared on XX/XX/XXXX........Bank of America also tried to
cash the check I had sent on XX/XX/XXXX (apparently the
check was NOT lost in the mail !!!)..........I had placed a stop
payment on the check that I sent on XX/XX/XXXX so the 
check did not clear........BANK OF AMERICA is CHARGING
me $XXXX because the check I put a stop payment on did not 
clear! ..........I want the $XXXX charge reversed!........When I 
called Bank of America their representative (XXXX) refused to
reverse this charge......PLEASE HELP!!!

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 2016-10-15
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Pioneer Credit Recovery is harassing non-immediate family members with calls and lying about their reasons for calling. This is very illegal and is in violation of their contract with the department of education.

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 2017-04-27
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I receive a credit card from XXXX XXXX XXXX on XXXX XXXX,2017 and the company reported the credit card on my credit report within 5 days of receiving the card which is XXXX XXXX,2017. This company did not give me the opportunity to pay down my usage amount before reporting to the credit bureau. I Thought financial institutes allow you thirty days to pay for your depth before reporting to the credit bureau. I also did not receive a statement from this company yet because it 's to soon to release a statement, but they release my information to the credit bureau without notification.

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 2017-04-27
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I receive a credit card from XXXX XXXX XXXX on XXXX XXXX,2017 and the company reported the credit card on my credit report within 5 days of receiving the card which is XXXX XXXX,2017. This company did not give me the opportunity to pay down my usage amount before reporting to the credit bureau. I Thought financial institutes allow you thirty days to pay for your depth before reporting to the credit bureau. I also did not receive a statement from this company yet because it 's to soon to release a statement, but they release my information to the credit bureau without notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
the following accounts appear on my credit report, they do not belong to me, please review them Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
. Identity Theft XXXXXXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Paypal Holdings, Inc
State: MD
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My complaint is about PAY PAL. 
Pay Pal charged my account about {$XXXX}. 
Pay Pal claimed this was a chargeback ( probably from a credit card company ) arising due to a 3+ month old transaction. I was told that the ( Ebay ) buyer had not authorized the purchase. There was no dispute about shipping, arrival or non-arrival of the item and the item was never returned to me. I believe that this dispute is between the buyer and the credit card company about an unauthorized transaction. I performed in good faith by shipping the item ( and I can prove it but choose not to do so ). Pal Pal is illegally taking ten dollars from my account. Pay Pal should exclude me from this dispute automatically. I should not have to provide any documentation ( shipping tracking information ) about the disputed transaction because there is ZERO evidence that I did anything wrong. Pay Pal should be restrained by XXXX from taking money from Pay Pal accounts when there is no evidence of wrongdoing by the account holder AND the account holder is NOT a party to the dispute.

Company response to consumer: Closed with non-monetary relief