BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-25
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Central Financial ControlXXXX XXXX XXXX XXXX, XXXX, CA XXXX NUMBER : XXXXXX/XX/XXXX Toll Free : Phone : ( XXXX ) XXXXFax : ( XXXX ) XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify Central Financial Control or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : Central Financial Control or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am a California based XXXX. My original loan servicer was XXXX, which sold to XXXX XXXX, and is now serviced by Navient. My problems began with XXXX XXXX. Every time I apply for a program to help me with my loans, XXXX XXXX and now Navient have consistently dragged their feet, lost my documents, and failed to respond to my pleas to follow through with requests for information and documents. 
When I started my XXXX, I was accepted to the California XXXX called XXXX. For each year of service XXXX, I applied for and a check was sent to my loan servicer to pay for a portion of my student loans. Each year the California XXXX XXXX XXXX needed XXXX XXXX or Navient to send them a loan verification form. I faxed the form, I emailed the form, and even mailed the form, and it was consistently lost and not returned. Only by requesting a fax over and over ( usually XXXX5 times ) would I actually receive any documents. 
I am now applying for XXXX XXXX XXXX through the federal program designed to help XXXX and Navient failed to forward me correspondence from my guarantor. They have admitted in multiple conversations over the phone today, XXXX XXXX, 2016, that they were negligent. I have requested for them to fax this to me, and have not received anything. I estimate that this mistake on their part has added XXXX8 weeks to my XXXX application, and the interest on my loans has been adding up. I believe that the interest accrued to my account from the day Navient failed to forward me the letter from my guarantor, to the day I receive that letter should be credited to my account. 
If you are a loan holder and are reading this, please know that Navient will do nothing that you ask unless you call, and write them, and complain to the consumer financial protection bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2016-09-07
Company: Alabama Housing Finance Authority
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company took money out of my account two days before I had it scheduled. They cashed a check that was dated XXXX/XXXX/16 on XXXX/XXXX/16 causing my account to be overdrafted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
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 have over {$130000.00} in school debt. I worked with the XXXX and XXXX from XX/XX/XXXX-XX/XX/XXXX. All were with XXXX and XXXX children. I applied for loan forgiveness and I was denied several times over. I 'm not in the business of making a lot of money. I 'm XXXX. I should have a significant amount of my loans forgiven- at least XXXX. I 'm still in XXXX and still helping children. What I have in my XXXX is LESS than what I owe. I will be paying until I die, and I wo n't be able to leave my children without debt. Is that not why we are encouraged to pursue higher education? I was sold false hope, but I did not give up. I 'm still striving for children, and I have debt to show for it. It is n't right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Teller made a mistake depositing into wrong account. Deposit was made into joint account with my brother instead of joint account of me and my wife. The deposit was transferred to the correct account. For privacy issue with showing large account of deposit, I requested to remove incorrect deposit from the history and next statement under the wrong account. My request was not honored.

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 2017-11-26
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX erroneously reported 6 student loans totaling {$13000.00} as 90 days delinquent in XXXX of 2015 despite numerous attempts to submit documentation that I was eligible for deferment, or at a minimum forbearance.

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 2022-05-21
Company: Experian Information Solutions Inc.
State: NY
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried to dispute inaccurate information on my credit report and the credit reporting agency continues to report the unverified information

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 2017-11-26
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Sears XXXX Citi Bank XXXX XXXX XXXX has put me in 30 days late payment without issuing the credit card. The Sears XXXX XXXX XXXX has put me in late payment in all three credit bureau viz. XXXXXXXX XXXX  and XXXX. In XXXX XXXX one of the cashier in Sears store opened the credit card for me. But the guy entered all the wrong information about me. Because of which I could never get the credit card.In XXXX XXXX Sears XXXX Citi Bank put me in late payment of {$6.00} without letting me know I need to make the payment. I even did not know what was that XXXX dollars for. After seeing a drastic drop in my credit score I called the bank and paid the amount. But the late payment is still in my credit history. I want the late payment to be removed. I had XXXX credit card accounts with the bank. And the late payment is showing in both accounts.

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 2020-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2020, Bank of America put a hold on my account in the amount of {$880000.00}, which resulted in a negative balance. I called them 7 times until I got an answer that said it was flagged for fraudulent activity due to an SBA loan due to coronavirus from my XXXX. All the representatives gave me the run around and continuously transfers me to imaginary lines that shut off as soon as I got transferred. The money left in the account was for my well being, to pay bills, and to just generally lived. Ive seen multiple horror stories of Bank of America doing this and it has to be stopped.

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 2017-02-04
Company: Navient Solutions, LLC.
State: CT
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 sent a notice in the mail saying my payment was going to go up to over {$1500.00} a month in a little under a year. I called them and the representative asked for all current expenses. After listing all expenses, I was told the computer said that I had an ability to pay the {$1500.00} a month. Not only that but the representative said that the notice was wrong and the payment would be going up to {$1700.00} a month. This payment alone is over 45 % of my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been trying to get this situation corrected for a year now but no one in the XXXX XXXX credit card services department can help me. My first issue i brought to their attention was the fee 's i was assessed in XXXX through XXXX. On the XXXX XXXX website, i was only able to pull up my XXXX XXXX, 2015 year end statement. This statement shows a continuous {$2.00} charge per month that i was unaware of. The statement also states that I was charged {$72.00} dollars for the entire XXXX calendar year. I have called customer service a million times trying to figure out why I kept getting charged and requested a full refund for all the fees related to this issue which I believe began in XXXX. I have yet to receive a refund or even an explanation that makes sense. My second issue which I believe occurred due to my first issue with the fees charged is the 30 day late reporting 's that are showing on my credit report in XXXX XXXX and XXXX XXXX. I have never missed a payment or made a late payments since the inception of this credit card. Furthermore, I have barely used my credit card that has only a XXXX dollar limit. These credit reporting 's are fraudulent and violate my rights under the Fair Credit Report Act. XXXX XXXX has charged me for fees that I have been unaware of and reported me late because of these fees. Please help me correct my credit report and receive a refund for all these miscellaneous fees that I have been erroneously charged.

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 2022-05-21
Company: EQUIFAX, INC.
State: NY
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2016-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
The statue of limitations for the State of Texas is 4 years, and I have not received any money from a loan in the last XXXX years and this was explained to XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX California XXXX when they called me, but they continue to call and send me letters. I am named in a Class Action Suite Against them notified by XXXX XXXX XXXX but have not had any results of the lawsuit since XXXX. They have continued to harassment telling me that they will report me deliquent to the credit agencies until I pay them the {$11000.00} that I owe them. The last letter they sent me was XX/XX/2016 saying I could pay a 70 % discount of only {$3300.00} or 12 months of {$460.00}. I think the lawsuit did not go through so I am filling a complaint against them for myself because they will not leave me alone. They have called me so many time that the phone line with XXXX XXXX XXXX did not work and I had to close the account. Please help me to get them to stop harrassing me until I die. Thank you.

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 2020-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 is missing that should be on the report

Complaint:
Bank of America erroneously closed my credit card account last year then reinstated it since they made the mistake. This active credit card still shows the account was opened in XXXX, but the Bank of America Visa, ending in XXXX, is nowhere in my credit report. Since it is the oldest account I have, I need it to show in my credit report, but it doesn't show up anywhere. I spoke with Bank of America last year, but they said they don't have to report it. Please assist me. I am trying to refinance my mortgage, so the " oldest '' account currently shows as my current mortgage I opened in XXXX. I need my credit to show I have had a credit card in perfect standing since XXXX. Thanks so much!

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 2017-01-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My name is XXXX XXXX. I sadly got a loan for schooling through XXXX XXXX which is Navient. I called more then once to get a lower payment on my student loans and they say that there is nothing I can do about it. I try to pay it but I simply can not pay on my salary. Every time I call to ask, they say I should just do a forbearance. I do not want to keep doing a forbearance. I want a reasonable payment. I beg this is all I want. It 's hurt my credit enough. I 'm now going through struggles finding housing because it has impacted my credit so much. Please. Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Bank of America is requiring that I default on my loan for two months before they will consider a loan modification. XXXX of the reason I was denied in the past is because I have not missed payments on loan. At the present moment, I am getting assistance from someone else to help pay my loans so it does n't default. I do not feel it is fair to require a customer to default on their loan payments before they can be given a loan modification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: GreenSky, LLC
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I was fraudulently charged for construction services thru greensky. When I contacted them they " reversed charges '' but later changed stating they could not get funds thru the construction company. I have written and emailed greensky for over 3 months and no return email or call. 
Please contact me. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-20
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
The Loan Mart lied to me and did not disclose the interest rate or fees on the loan when I obtained the loan. Nor did they disclose it after several times of asking them. When they finally did after several months it was 122 % added daily. They would not give me copies of the loan papers either. I tried several times to work this out with them, when they agreed after many many negotiations to lower the interest rate and charge me a still somewhat high interest rate, and the original loan amount, they once again lied and tried to snooker me again. They sent me new papers to sign which was at a higher interest rate than we agreed upon, and they added XXXX to the loan amount! 
I did not sign these papers. These people are liars and cheats. They have cost me so much money, and time, and frustration. 
I was willing to work with them on a reasonable basis, but they just kept lying and trying to cheat me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I had a check deposited into my Venmo account and I haven't been able to use or access any of the funds. They wanted ID and social verification and I sent that to them twice and still haven't been able to access the XXXX $ that are in this account.

Company response to consumer: Closed with explanation