BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-17
Company: HOVG, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Representative from credit agency utilizing phone number # XXXX was very rude and harassed me on XXXX XXXX at around XXXX while I was at work. 
Incident : I answered the phone call while at work, initially the person did not identify themselves, when I asked who this was he advised " he was attempting to collect a debt ''. I listened to him and advised I would be making payment however could not do so at this time. Advised by the end of the month the debt would be paid. He proceeded to state he needed a " debit card or check now '' advised I was at work and unable to provide that information, he then stated " you do n't have a debit card on you?? you need to walk to your car and get to secure this payment ''. After again advising I was at work and unable to do so he said when can I call you back today. I advised at around XXXX, he then stated " so you have to promise to answer your phone at that time '' If you do not legal action may occur. I then stated if I see the phone ring I will answer the call, he stated " no, you need to promise to answer the phone ''. I remarked I 'm unable to make that promise. At which point rep proceeded to get nastier stating why ca n't I pay this debt. I hung up when he would not stop with the harassment. Since then the number has called twice and I have not answered, no message was left. 

I do not feel this type of behavior is needed nor should I have to endure it no matter the debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card
Issue: Billing disputes

Complaint:
Over XXXX years ago my wallet was stolen. I had XXXX credit cards in my wallet XXXX of which were Bank of America. I reported all credit cards stolen within XXXX. All other charges were dropped but from Bank of America. I spoke with someone on the phone and was told since they had copy of my license I would be responsible for fraudulent charges. I continued to pay the balances I had prior to fraudulent charges. Once they were paid off I told them I did n't feel I should pay for fraudulent charges.

Company public response: Company 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: NY
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 try to live on about XXXX month. I applied to have my payments lowered to what I can afford on my income. It was refused saying I didnt qualify! I listed all my bills showing before groceries, I owe XXXX Needless to say my bills are paid late as I keep getting behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: TX
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 believe that I 've been mislead as to all of my repayment options while interest is still accruing. I 've called to speak with soneone several times only to get either hung up on or told that there was nothing else that they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
For the past year I have received XXXX 's of call from Portfolio Recovery. They were told not to call but have intensified their calls to me lately. I want to sue for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-11
Company: Navient Solutions, LLC.
State: FL
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:
Due to permanent XXXX, my fully guaranteed student loan was paid in full and discharged. I am on XXXX. Yet, credit scores from XXXX agencies have not changed. XXXX was my loan provider until they changed it to Navient a couple of years ago. As the loan was fully guaranteed and paid in full, my credit score should have improved substantially. So the problem is with the credit reporting agencies and the way Navient reported the payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Transaction issue

Complaint:
I am re filing my complaint, previously complaint # XXXX. Bank of America {$3000.00} charge on XX/XX/2016. I feel that my bank did not investigate properly, because I did send them a letter explaining my situation, before the due date, all the facts and a copy of the email that I sent to the company on XX/XX/XXXX requesting my refund, just 3 months after the charges, which they did not respond, just like all the phone calls that they ignored, I tried to get the money back directly from the merchant, but I am unable to reach them. I have been following the process but even my bank that is supposed to protect me is giving me the run around, and taking the merchant 's side, a fraudulent company that scammed me, they sold me services and never answered the phone after I showed them my dissatisfaction. What kind of company does that? 


Bank of America sent me a letter stating that they are unable to assist with my inquiry, they are stating that they were unable to determine that billing error occurred. I want to stress that this matter is NOT a billing error I authorized the charges, but XXXX did not provide the services that I was led to believe I was purchasing. They offered me online services, advertising for my website and training, nothing was done and I can not get them on the phone for nothing. Bank of America is saying that they did not receive documentation stating that I attempted to resolve my dispute, I sent a copy of my email requesting my refund. 


They are also requesting the following : '' a valid second opinion letter, on business letterhead and signed by a second qualified merchant. The letter needed to specifically state that the service performed by the first merchant was n't completed or was done incorrectly, and detail how it was done incorrectly. It should have included the steps needed to correct the work, along with an estimate showing the cost to complete the job as per the original contract or invoice. " Bank of America is requesting an impossible task. How Am I supposed to find a company that would take this type of liability? Who would do that? I guess Bank of America is a scam just like XXXX, or otherwise they would protect my rights as a consumer, a victim of a fraudulent company that disappeared after I paid them. If XXXX were a legitimate company they would be trying to work something with me, instead of ignoring my requests. They do not have any type of customer service or support. 


Please investigate this charge and help me get my money back. Any assistance with this matter would be greatly appreciated.

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 2016-09-30
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Issue: Delinquent account

Complaint:
As part of earlier settlement with XXXX for In-App purchase, my XXXX old daughter had used a game on my wife phone which was tied to XXXX credit card. When we reached XXXX, they said they would reverse the charges. Somehow the charges on XXXX of credit card was not reversed. They continue to add financial charges and late fee. I informed my credit card company that these charge should not be there since I had spoken to XXXX. They did not remove the charges and continued charging. From initial charge of {$70.00} to {$700.00} with late fee. They have reported it to credit bureau and spoiled my credit score. Now they have turned the debit over to collectors who are constantly calling. I have called XXXX and unfortunately XXXX will not talk with Credit card company. As a consumer I feel frustrated after wasting a lot of time.

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 2015-12-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Portfolio Recovery Associates had placed this negative items on my credit reports without notifying me. I filed an dispute with Portfolio Recovery Associates on XX/XX/2014 and they never responded to my dispute. Portfolio Recovery Associates violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. I had requested this item deleted off the CRA within 15 days from the date of the dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My account with Bank of America is in good standing but, after my XXXX daughter had problems with her account they started mixing things up with me. 
Now their telling me that my account was closed even though they just sent me a new card and I even was able to activate it and my account is at XXXX balance. 
They claim its because of my past credit problems after the passing of my wife and are now corrected but, when they were n't corrected they did n't have a problem keeping my account open. How can they justify closing my account that is in good standing for years and say its because of thepast with someone else but, has been fixed?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I had to use forbearance. I was n't told about lower payments. My payments went from around {$80.00} a month to over {$300.00} a month. With the interest like it is, I do n't feel like I will ever get it paid off. Plus I ca n't really get any answers. I realized I 'd be paying back more than I borrowed but not over three times the amount. A student loan should n't be how many times higher than a home or vehicle loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: MD
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:
I co-signed a huge student loan for my daughter. She is repaying, but the debt has RUINED my credit rating! What immediate or long term action can I take to get this off of my credit rating??? THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: Navient Solutions, LLC.
State: MD
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:
In XXXX XXXX, I fractured my acetabulum. Since then, I 've had XXXX XXXX that the last XXXX in XXXX XXXX resulted in a total XXXX XXXX. Since my XXXX, I have tried to get help with XXXX XXXX/Navient to help alleviate the XXXX of my student loans since I have been unable to work consistently since XXXX XXXX. For the first year, XXXX XXXX/Navient has provided me with the only option to do a forbearance, but that is only beneficial for temporary circumstances. This has been an ongoing, XXXX problem. I 've applied for XXXX which has been denied and I have also filled out documents to try to get a lower repayment option which has also been denied. With these denials, I receive letters stating that I have been denied, but when trying to contact the individual who signed these letters, I never receive a call back or a return e-mail. It seems like once they sent out the denial letter to me, they cut all ties with me. I have received no help with my repaying my student loan by XXXX XXXX/Navient and I 'm still unable to pay back these loans as I 'm recovering from a XXXX. I 'd like to know what to do because I do n't want my credit to be affected, but this has been a problem and I feel that XXXX XXXX/Navient should be able to help me with my loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a mortgage on my home since XXXX. Have arranged with my bank to make automatic payments since the loan 's inception. Received a notice two weeks ago of " Intent to Foreclose '' from Bank of America. I had been aware that BOA had bought out XXXX ( my lender, originally ) in XXXX, but was told all account numbers would stay the same. My loan was serviced normally, until XXXX XXXX, when BOA returned my payment to my bank. DId the same in XXXX. No explanation why, no letter, no phone call, nothing. I did not even notice this action until the Intent to Foreclose was received. In fact, BOA has never communicated with my husband or me, by phone, mail or other. For the last couple of years, we have had to call to request our mortgage tax form. 
Although I faxed copies of my bank statements showing timely payments and the return of these, I have still not received any communication from BOA ... ..and I worry about the effect of this action on my husband 's and my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Between XXXX and XXXX of XXXX while researching investments via the world wide web I came across an advertisement of sweepstakes Income machines that would be placed in " HIGH TRAFFIC '' areas and would produce residual income, this investment vehicle was the " XXXX '' of self made XXXX XXXX XXXX. 


After making contact with their office and talking to XXXX XXXX XXXX and XXXX XXXX XXXX, they eventually convinced me to make the investment of which i was eager to invest in something i believed to be a legitimate business opportunity. On XXXX XXXX, XXXX I deposited {$4900.00} into what i thought was a legitimate bank account at the Bank of America branch in downtown XXXX at XXXX XXXX time, Bank of America is responsible for my fund deposited into their Institution as well as allowing an account to be opened for the purpose of " MONEY LAUNDERING '' in a " PONZI SCHEME ''. 


My Customer receipt Information : XXXX XXXX XXXX/XXXX/XXXX XXXX Entity NIL XXXX XXXX XXXX # XXXX R/T # XXXX $ XXXX FDIC Member XXXX XXXX XXXX XXXX, XXXX i received a congradulatory letter XXXX XXXX and XXXX. informing me also that they had received my investment monies and that my XXXX XXXX Machine will be placed within XXXX days of the letter they sent me. 
XXXX the XXXX, XXXX I received another letter from XXXX XXXX and or XXXX XXXX, XXXX. regarding the delay of placing my XXXX XXXX Machine due to the increase in investors and that due to the delay they would have my placed, up and running with 10 % interest within 45 days from the above mentioned mentioned date. 


After several unsuccessful attempts to contac and or connect with the above mentioned XXXX XXXX, XXXX. employees and XXXX XXXX him self, i began to file complaints with local authorities in an effort to get back my {$49000.00}. 

XXXX XXXX. XXXX i filed a complaint with the Attorney General 's Office # XXXX XXXX, XXXX file a complaint with the Illinois XXXX XXXX XXXX, XXXX at XXXX i contacted Bank of America Corporate office and spoke with XXXX who said that she would communicate my concerns to Chairman and CEO XXXX XXXX whom of which i have n't from as of the date of this complaint. Ref # XXXX. 


XXXX XXXX, his employee 's, agents are responsible to the general public for the safeguard and protection of all financial and or tangible assets deposited into their institutions and are responsible for my {$4900.00} deposited into their downtown XXXX branch on XXXX XXXX, XXXX at XXXX. 


Bank of America and its Directors, CEO, Agents and employees ' are held to the " HIGHEST ESTEEM '' to safeguard the public form " FRAUD '' and " MONEY LAUNDERING '' within their institutions, " THEY HAVE FAILED ''!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Bread Financial Holdings, Inc.
State: FL
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 wanted to apply for a childrens place credit card and wanted to know why i have n't gotten a response. So I called the bank thats over the company when I called somebody answered i explained to her what happened she asked for my personal info to looked it up i have it to her she told me that i put my info wrong on app i she asked did I want to re apply i said no so today I checked my credit report and saw i had XXXX hard inquires from the company i called them back she said she could n't do anything about it and that I needed to call the credit agency i did they said i need to call the company i told them I already did they said to dispute it so here I am the first one happened XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: AZ
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/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Navient Solutions, LLC.
State: MD
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:
This company is continually harassing me by calling me six to seven times every day. I do not wish to communicate with them and has written them letters on two different occasions to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Penn Credit Corporation
State: VA
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:
Received fraudulent surprise debt collection having never received any bill. When sent a letter disputing and requesting verification, all that was received upon XXXX signed receipt of dispute, was an invalid resolved summons ( with a different amount no less ) and no bill or proof of anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
The Company is Ideal Collections this is for a charge off collection for eviction that the amount and collection belong to my ex wife and this was part of the divorce and debt that she was to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Central Financial Control has XXXX collections listings on my credit report. They span XXXX - XXXX. Each is for a different amount. It is illegal for a company to report a false amount. Furthermore, I have no idea what these are for. I have already attempted to contact the company, and get proof of these debts. The company ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I paid off the entire balance owed to Bank Of America for an account that was closed in 2013. They agreed to remove the fraud notice off of XXXX once I paid it. I waited a month and it still was not off of my record. I disputed it with XXXX and they would not remove it after an additional month saying that Bank Of America said they did n't agree to remove the alert, even though I paid the balance. This is not true, and I would like it removed from my XXXX record.

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 2015-09-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I am currently in a loan that was not really disclosed properly by my lender and now i have been trying to find someone anyone to help me get this loan change to a fixed 30yr and have impounds account attached. i have try loan modifications only to be told im current on house payment and have too much equity in my home.due to only my income i evem filed chapter XXXX to pay off all my debts so i can continue to make my mortgage. i was told by a manager at chase due to the bk they ca n't help and ca n't put me in impound acct. my house was not included in the bk and i just need this loan to be turned into a fixed XXXX with impound s and at an affordable rate can manage. i feel chase has not been helpful in this situation so im hoping you will beable to help. thank you

Company response to consumer: Closed with explanation