BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-20
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My complaint is about a student loan servicer, Navient, that has attempted to steal, cheat, lie and admit to their wrongdoing, but will not offer to fix their mistakes. 
Navient has violated several State consumer protection laws and several Federal laws. 
The only relief I am expecting Navient to provide is to reverse the charge off since they admitted to that mistake ( with no cost to me ), make corrections to the credit bureau ( mine and my my cosigner ), place my account back in good standing with $ 300-350 monthly payments. 
Below is a brief timeline of the important events. I currently have all records and documentation to prove all events. ( not every event is listed here, I will attach a full timeline event ) 1. They illegally tried to debit more money out of my checking account 2 months earlier than what their emails said ( I currently have those emails ) 2. After several attempts of trying to reinstate my original payment amount ( I currently have that documentation ), no one at Navient reinstated my request. 
3. I was told the exact date when my loans would Default ( I currently have those records and Navient admitted to their mistake ) 4. Navient charged off my private student loans 30 days sooner than they were supposed to ( I currently have those records ) 5. After Navient admitted to their mistake, they would only reverse the charge off if I payed {$580.00} ( I currently have those records ) 6. When I told them I just started working while being unemployed for 4 months, I couldn't afford the {$580.00}. And that I could pay $ 50-75 that day and {$300.00} monthly payments, they said no, I would have to pay the {$580.00} that day. ( I currently have those records ) 7. When I offered to pay {$50.00} that day, they told me they couldn't accept my payment ( I currently have those records ) 8. When I mailed a {$300.00} check to Navient in XX/XX/XXXX, they returned it stating that it was an " invalid bank account number '' ( I currently have those records ), my bank account number has been the same for 24 years 9. When I contacted my bank, they verified for me that no one had attempted to cash the {$300.00} check ( I currently have those records ) 10. When I mailed a replacement check for {$300.00}, that check has never been cashed nor returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
We put in {$50000.00} into a priority account to receive {$700.00} bonus. 
After the time was up to pay us Citi refused-they sent us the attached letter that they would review ( see attached ). We were finally paid the {$700.00} 2 months late in XX/XX/2021. 

We were very upset that Citi tried to cheat us an CLOSED OUR ACCOUNT immediately after XXXX ( see attached ) we were told to write a. check for the balance to close. 

We have received over 10 messages to call them about a problem with our account- we tried to call them over 10 times waiting as long as 3 hours to speak with someone who could not help us. 

We have been charged : money market account fees ( we do not have a money market account ) late fee 's and other fees, overdraft fees amounting to over {$160.00} for XXXX, XXXX, & XXXX after the account was closed. 

Fund balance was {$50000.00}. we closed the account writing a check to close the account for $ XXXXnow we owe according to them {$160.00}

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 2022-04-30
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Smith Debnam Narron Drake Saintsing & Myers , LLP trying to collect an old debt. i called the original debt collector aka original creditor today and i am going to work out a payment plan. Smith Debnam Narron Drake Saintsing & Myers , LLP is a very nasty and bad company with rude customer service. i will not be paying them. they are shady and that is why i am trying to work out something with the original creditor on monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Earlier this month, I placed order XXXX at Amazon.com. 

When placing the order, Amazon offered me a {$60.00} credit if I applied for the Amazon store card. The Amazon system told me that I was denied, and that there would be no credit. Today I received an email saying my new Amazon store card is on its way. Confused about how this could be, I called Synchrony. Synchrony confirmed the new card, but knows nothing about a {$60.00} bonus. Synchrony told me to contact Amazon. I contact Amazon customer support, and am told they know nothing about it - to wait 30 days to see what happens. What? Obviously, Amazon has no idea what is going on, so I quickly called Synchrony back to cancel the card. Amazon offered me the bonus to apply, told me I was denied, but then Synchrony issued me a card in my name. No one knows about any bonus. I had to call Synchrony right away to cancel the account. Obviously, there is some type of scam going on where Amazon is enticing customers to apply for credit cards via offering a bonus, then Amazon denies the card, and then passes the customer 's information on to Synchrony in order to open an account in the customer 's 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 explanation
Consumer complaint received 2022-04-30
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
LVNG FundingXXXX XXXX has continually harassed me through calls & emails. When I tried to negotiate with them they would not negotiate. They keep saying they are threatening to sue me. They have sent me emails saying I have never gotten back to them when I absolutely have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Stop check. 
I put the check written in my name into my bank on checking account. This check was written out personally in my award to those whose name is also indicated on the check and implies the owner of the account. The check was written out as a payment for the service and the material I had previously bought in the store for him. I made a deposit right away using the mobile application of my bank, as the bank was already closed at XXXX XXXX. The next day, after lunch, I went to my bank and asked why the money had not yet been transferred and I can see that transaction still pending. I was told that this happens and everything is fine. I showed the check, which I put, but the bank employee said that he was not needed. The next day, the entire amount was credited and added to the funds already in my account as transaction completed. After 5 days, I went to check the bank account and saw a loss of funds. The bank told me that I should solve this with the one who wrote me the check. The bank, in turn, took a fee from me. I stated that this was a fraud and asked : Why didnt anyone notify me of this in any way? What should I do? The bank said that I should look for and deal with the one who gave me the check. The manager said that this can be done for 3 years - to withdraw funds from previously issued checks. There was no answer to the first question. I went to another branch of the bank, where there was no answer to the first question, and they said to the second question that if you go up this street, there will be a court somewhere that will help you. I walked the whole street, but found nothing there. It is not possible to contact the person who wrote the check, and I guess that it was after he received the money from my account. I reported the crime to another bank, whose details were on the check, where they made it clear to me that they respect the interests of their customers. A couple of days later I received a letter in the mail, where I was notified of the charge-off. I wrote a letter to the main office of my bank and this turned into a correspondence. The fourth letter with my questions is ignored. They tell me events, trying in every possible way to ennoble their bank and now indicate that they notified me by mail. The bank returned the commission only.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Consumer Financial Protection Bureau, I have filed multiple disputes with the credit reporting agency Equifax ( and the debt collecting agency XXXX XXXX XXXX XXXX XXXX ) about the false information on my credit report with no good results. Please investigate this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Jefferson Capital has violated my rights.

15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 usc 1692b ( 4 ) not communicate by post card 15 usc 1692b ( 2 ) not state that such consumer owes any debt 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Two attempts to get debt validation from collection agency, with no response, got a citation to appear in court on  XXXX   XXXX  at  XXXX   XXXX . Get to the court house after waiting over an hour to be informed that the case was adjorned to  X/XX/17    ... no contact from the collection agency letting me know the case was adjorned. How long do i have to lose work over an account i am trying to find out about, and have no knowledge of? Please assist me in getting some answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Since XX/XX/XXXX, Experian Creditworks has been attempting charging my XXXX card {$100.00}. South Carolinians are entitled to free Experian monitoring due to the state security breach. 

Yet, Experian has repeatedly attempted to charge my XXXX card for services. I have been unsuccessful reaching Experian to stop charging my account. I am prevented from logging into Experian to delete my XXXX card ( see attached ). Also, reaching Experian by phone is impossible. The phone number on the website is automated and will not cancel the payment.

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 2017-04-21
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Please help me understand how the balance for my Navient Loan number  XXXX  increased since the first letter to the Consumer Financial Protection Bureau on  XXXX   XXXX   XXXX .     Date Loan  XXXX  Loan  XXXX  Total  XXXX   XXXX   XXXX  {$47000.00} {$100000.00} {$150000.00}  XXXX   XXXX   XXXX  {$47000.00} {$100000.00} {$150000.00}  XXXX   XXXX   XXXX  {$47000.00} {$100000.00} {$150000.00}  XXXX   XXXX   XXXX  {$47000.00} {$100000.00} {$150000.00}  XXXX   XXXX   XXXX  {$47000.00} {$100000.00} {$150000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00} The following are the loans I have through Navient :  XXXX  number :  XXXX  ( subsidized ) *Loan number :  XXXX  ( unsubsidized ) The original principals were {$73000.00} for  XXXX , and {$130000.00} for  XXXX . I consistently made payments to these loans since  XXXX  when I returned from  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX  and   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Selling my mortgage to a Business That Is Not BBB Accredited Mortgage Company.  XXXX    XXXX    XXXX . Without giving us an account number or without approval from us. Leaving me open for more of their stealing and helping  XXXX  to do what their past complaints consisted of to me. Got notice today and It starts  XXXX   XXXX    XXXX  . Less than  2weeks.  Spoke to  PNC (   XXXX   )  she did not care. I took out the loan with  National City Mortgage Company. National  City was bought out  by PNC. I called PNC yester day and asked for a supervisor call us., they did not call us.  XXXX  said they have nothing to do with us any longer because they do not have our mortgage any longer. We have been paying on time for almost 16years. This is our home. We have more than nothing to say about who we do business with. Nationstar is the worst business they could have dumped us on. Nowhere on or contract does it say that they could sell our mortgage. We never implied or signed anything allowing them. .Nationstar just got fined  XXXX   XXXX  Dollars fine last month. I was told by  XXXX  to call  XXXX  to get this information .I got a tape telling me that they would call me back. They did n't either.  XXXX  is also where my checking account is with no bouncing checks. Where did we go wrong. Nowhere.PNC went wrong. Just because their a bank that does not give them the wright to do what ever they want. I served my Country and I expect the lawful authorities to do there jobs. It amazes me how a company like  XXXX  stays in business. Own and operated by crooks. There are  XXXX  reviews about  XXXX  bad, XXXX  Neutral  XXXX good. All the complaints are of the same nature.Stealing, charging fines after suddenly misplacing their payments making payments late drawing late fees. ect..This is where PNC dumped my wife and I. We are  XXXX  and we do not or will not deal with thieves. The Government needs to shut down  XXXX  and not allow Banks lik e PNC t o dump you in the middle of this mess.PNC was our 2nd Mortgage company. We still have no payment book or even an account number. Would you trust them? I feel like we are being set up by PNC to later have  XXXX  steal from us.  PS My si ster had  XXXX   XXXX   XXXX .  3months ag o they foreclosed on her home .She said her payments disappeared. Payed through her bank.  XXXX  &amp;  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Ohio  XXXX   XXXX . Please leave message been getting allot of sales calls since this happened.  XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: ALLY FINANCIAL INC.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I give authorization for Ally to move forward with this complaint. I bought a car and received a loan from Ally on XXXX of XX/XX/XXXX. On XX/XX/XXXX, 2021asserted my rights as a FEDERALLY PROTECTED CONSUMER. 
I sent Ally a NOTICE OF BILLING ERROR in the amount of {$7600.00} requesting all documentary evidence of the accounting since the inception of the promissory note/retail installment contract. As a result of this notice of billing error and a negotiable instrument that was sent in, ALLY restricted my account demanding that I pay certified funds for 6 months in order to pay the loan, and preventing online and phone in payments. This is causing extreme stress and undue hardship at this time, in addition to be illegal adverse action under a notice of billing error.

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 2022-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have debt with capital one bank. The debt is over {$4500.00} I am always receiving mails of this debt I dont owe and believe it was identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: MRS BPO, LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company contacts me every day, several times of day. When I answer the phone they do not identify themselves and they ask for personal information, such as the last 4 of my social security number. They are attempting to collect a debt that I do not owe! I 've asked for a dispute and they refuse to dispute it. They say that the only thing they will do is mark the debt as fraudulent activity. I 've asked them not to call me and they say it 'll be 24-48 hours before they will remove me from the calling system. That time frame has passed several times and yet they still contact me. The tepresentives on the phone are disrespectful and unhelpful. They called XX/XX/XXXX and again today on XX/XX/XXXX. I 've had to ignore their calls several times while I 'm at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have uploaded an identity theft report to Experian on XX/XX/ 2021, XX/XX/2021, and XXXX XXXX, 2021 regarding credit inquires reporting to my consumer credit report that I did not authorize nor give my written or oral consent to pull. There was 3 reports uploaded because Experian claimed that they didnt receive the first two uploads to their website. These inquiries are not attached to any open accounts. Deletion of inquiries is admission of fraud and a violation of my federal consumer rights. 4 Inquiries remain on my consumer report that I did not give written nor oral consent to obtain. Due to these reasons, I'm not able to obtain further credit as a natural person. According to Title 15 U.S.

Code 1681n, under civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;@complaint.consumerfinance.gov complaint.consumerfinance.gov

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 2017-04-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Recieved several calls from  XXXX   XXXX  regarding a file number and account in my husband 's name. They called him, me, and his ex-wife. I called them back and spoke with a representative named  XXXX   XXXX  at  XXXX . He told me that my husband had and  XXXX  mastercard that was opened in  XX/XX/XXXX  in  XXXX  County that he was active with and making payments on until  XXXX  of  XXXX  but then had an outstanding balance left of  XXXX . He gave me his social security number and his former addresses, including  one that w ould be accurate at that time. Figuring it was a legitimate debt I agreed to pay it, he emailed me a contract and I signed that electronically and then gave him information to make the payment. I then contacted my husband to follow up. He never had a credit card at that time, it was not his debt. He also checked his credit report to verify that this charge was not on it. I called  XXXX  back and told him that it was not a valid debt and that they were not allowed to collect those funds. He was able to list everything on my husbands credit report and claimed that that the account he told me about was the same as the account listed there, however I paid that account in full a couple months ago, and the amounts and dates did not match up. He told me that i was committing a breach of contract, that he has me on a recorded line agreeing to pay the amount, and that they would file ligation against us to collect the amount and more because of that breach of contract. He back pedaled and tried to claim that if i provided him with the paid in full information they would just clear the debt, when i told him that the account on the report is not the one he is claiming to collect on he said that there is just a discrepancy in the amount, he also said that they pulled the charge off the credit report to pursue it. So not only was there just a discrepancy in the amount, but it was not really even there. He called me idiotic, rude and argumentative, and consistently contradicted himself. I explained that we would not be paying that amount, contacted my back to ensure that no charge would be approved by them and informed him that I would be reporting them for fraud.

Company response to consumer: Closed with explanation