BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ND
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Someone use my Bank of America visa debit cards, checking account and money market rewards savings account to make fraudulent transactions. Under federal law and according to Visa policy, a consumer has zero liability for fraudulent and unauthorized charges/transactions. Someone stole and used my personal information and impersonated me to steal over {$30000.00} from my checking account. I have filed claims with Bank of America in regards to this matter. The following claim numbers are all fraudulent and unauthorized transactions : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX

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 2017-01-26
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I took out private loans to help pay for XXXX school. I was advised of the amount borrowed when I took out the loans. I was advised of the interest rates. However, I was never informed of how that interest would accrue. I have XXXX loan that the amount borrowed in XXXX was {$27000.00}. I have made regular payments of {$600.00} per month and pay more when I can. These payments began in XXXX when I graduated from XXXX. I now owe {$69000.00} on the loan. TRIPLE what I originally borrowed despite regular payments. I feel like these are unfair lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: TRANSUNION INTERMEDIATE 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 contacted TRANSUNION regarding 7 unauthorized hard inquiries I found on my report and asked them to take action to get these inquiries removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue. It has been well over 45 days and not 1 hard inquiry has been removed. They are not cooperating and it's getting really frustrating because these hard inquiries are affecting me. The hard inquiries listed and all unauthorized XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX

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 2021-10-20
Company: AAA Collections
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep receiving multiple calls a week from different numbers at AAA collections in XXXX XXXX South Dakota. The caller won't answer and is silent then hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I took out XXXX signature student loans through XXXX in 2006. I have been in school since pursuing a XXXX and will be finished next year. The loans were originally for XXXX total. They are now at almost XXXX due to interest. They are held through Navient. Navient is stating that my deferment period is up and I am in repayment. I told them that I cant pay, as I am in school still. They said I can join a forbearance program put I will have to pay them to join it. I do not have the money to do so. They are offering no other programs. Im stuck and need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
FIA Card Services was collecting on a credit card I had from BofA. FIA sought a judgement and won. I later settled the judgement yet it is still showing on my credit report as not satisfied. I have contacted the credit bureaus and can not get it removed or at the least correctly reported.

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 2016-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was unemployed and my unemployment benefits ran out. I had an obligation with a payday loan. I notified them of my situation and asked them to remove the automatic withdrawals, they kept on. I went to the bank and explained, they said that even if I closed the account it will be hit by the ACH. Due to these and other issues, I applied for bankruptcy and received a discharge of my overdraft at Bank of America as well as the payday loan. Bank of America acknowledged the bankruptcy sentence but has not removed me from XXXX, XXXX XXXX. No bad check, no fraud attempt just a bad unemployment period and Informed the bank.

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 2016-08-26
Company: Shermeta Law Group, PLLC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX they are trying to collect XXXX from me and I do n't even know anything about these people. And I think this isunfair. I never had a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: Stellar Recovery, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received the debt collection letter without evidence that it belongs to myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent a check and paid off the loan to Select Portfolio Servicing on XX/XX/XXXX. 

they waited until XX/XX/XXXX to send a letter stating that the payoff ( which they sent ) was not enough. I didn't get the letter until XX/XX/XXXX. So they held funds and let the interest accrue for almost an entire month. My phone number was on the check so if it was short, they could have applied funds to principal or called me to tell me! instead, they sat on it while it collected interest. i find that to be highly questionable and i believe this is the very definition of predatory lending! Please do something to stop this unethical practice. 

file account number XXXX name XXXX of XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: Lendmark Financial Services
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
My due date for the loan is the XXXX of every month but I do n't get my retirement check till the XXXX which I fall in the category of making the payment before the 10 day Grace period. The problem is that every time I make my payment, all of the payment is going towards interest and none to principal. Plus the loan balance is increasing. I have complained and question why all of the payment is going to the interest and none to principal and they says that everyday my payment is late causes more interest. I will think this company is taking advantage of poor people and something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Had car loan with XXXX XXXX XXXX, same was voluntarily surrendered in XX/XX/XXXX. Item was to have been removed from my credit file from XX/XX/XXXX, and now is XX/XX/XXXX and it is not removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-21
Company: Stellar Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Stellar Recovery still has me in collections, and this debt has been paid to the original debtor, for months. And I disputed the account and it has not been removed from my credit report. I have submitted a second dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Hello, I 'm one of the borrowers from Honda Financial. Ive purchase a car from Honda on the year of 2013 since then I was paying $ XXXX {$650.00} a month. I was n't aware of the high interest rate that I have. I 've talk to couple of people there and they were saying I 'm paying way too much for a car loan that most people are, and the first place my is a brand new ( SUV ) base model. I do n't know is it because of my race. My friend who has the same credit as me and bought a higher model car is paying less, I 'm very confused and disappointed. I hope someone from your good office can review this and help me out. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am writing to complain that XXXX account or even closed it to avoid the fees. The account had {$12000.00} when I closed it XX/XX/2021. 


This is for a business that I own that is not active. 


The bank failed to send me statements for years. They said they didn't have my newaddress. My address is on the checks I wrote each year for the license renewal. 


THEY HAD MY ADDRESS TO SEND ME A BILL EACH YEAR FOR A SAFE DEPOSIT BOX.. 


The address can certainly be found on XXXX. The bank representative over the phone said they had returned mail on file. That too would have had my newaddress on it. My phone has not changed. 


This account has only been used by me to write 1 or 2 checks a year to renew license etc. 


It has been sitting there for almost 10 years with the bank taking from it. 


What are my options to have these unauthorized fees refunded to me? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX cell XXXX office

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: EOS Holdings, Inc.
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
For a hospital bill of XXXX dollars from almost 6 years ago. I got ta 9 phone calls this week alone. I've talk to them 5 times and told them to stop the calls and stop harassing me at work. They lie their rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This account that i do not recognize was opened as a result of identity theft and needs to be removed immediately., continued reporting/collection of an account that was opened of because fraud

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: LDF Holdings, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Amount of Loan : {$1200.00} Date of Loan : XX/XX/XXXX to XX/XX/XXXX Interest rate : 690.00 % Complaint : the interest rate is too high. Isn't there a law about how much a consumer can be charged for interest on a loan. 
Payments : {$320.00} bi-weekly On Wednesday XX/XX/XXXX at XXXX XXXX, I talked with XXXX at the following phone # : XXXX. She could not help with securing me with a lower interest rate, even though I told her that the present interest rate is against the law. 

What I would like CFPB to do for me : GET ME A LOWER INTEREST RATE, please. 
Address of Lender : Niizhwaaswi , LLC d/b/a Loan at Last ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WIXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: National Credit Systems,Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America claimed my account was overdrawn on XX/XX/XXXX and charged me a {$35.00} fee. The closing balance on XX/XX/XXXX was {$9.00}, however.

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 2017-03-01
Company: Specialized Loan Servicing Holdings LLC
State: DC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2017, I contacted Specialized Loan Servicing LLC ( " SLS '' ) to pay down my mortgage by {$250000.00} and have the monthly payment recalculated ( " recast '' ). The representative told me to fax SLS a letter requesting the {$250000.00} pay-down and loan recast, and the loan investor would then be notified and have 30 days to respond. I faxed the letter on XXXX/XXXX/17, and followed up with SLS two weeks later. The representative confirmed that SLS had received my letter, but that the investor still had two weeks to respond. On XXXX/XXXX/17, I contacted the company again and was notified by XXXX ( Employee # XXXX ) that I was given incorrect information and that I needed to make the principal pay-down first and then submit the letter requesting a loan recast. XXXX could n't explain why I was given incorrect information by SLS customer service twice, or why they neglected to let me know that I was not following the correct process to have my loan recast. I instructed XXXX to log a consumer complaint and that I would be reporting SLS to the CFBP.

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 2016-05-09
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hi, I have a mortgage loan through SLS account # XXXX and I never can catch my mortgage with them from the start due to high interest rate. I 've been so far behind now I am at the point where I am going to loose my house. The only thing that is keeping from foreclosure is BK Chapter XXXX. I am really stressed out and I really do n't know what to do from here, The only thing I can think of is to request a loan modification. Hopefully this can help me keep the rate and principle down and avoid foreclosure. I never got the loan documentation and I am completely upside down. The lender never contacted me to start the loan modification or any type of assistance. I think my current rate is 9.5 % and I am so far behind with my current mortgage. 

Please see what you can do to help. 

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 2021-08-27
Company: Upgrade, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
This has been an ongoing problem with this company since XX/XX/XXXX when the company erroneously marked my account as delinquent. After 5 months of communication with the CSRs and two delinquent reports to the credit bureaus, the company finally corrected the issue and restored my account back to current along with correcting the reporting to the credit bureaus. However, after finally getting this fixed, I received a notice on XX/XX/XXXX that my account was suspended and decreased my credit line due to delinquency. We spoke with a CSR and a Supervisor ( XXXX ) and was told that it would take 3-5 business days to correct the situation. On XX/XX/XXXX, my card was declined ( suspended again ) and my account was reinstated as 82 days late. We spoke to XXXX again on XX/XX/XXXX and couldn't give us an explanation as to why my account went in reverse after 5 months of trying to get it resolved due to the company 's negligence. He told us that we have to wait some more until they figure it out. My credit has been affected tremendously by their actions, my life has been in limbo for the past ( almost ) 6 months of doing my due diligence to fix my account and credit standing. I never receive a callback and I get insincere scripted gestures and lied to about no adverse actions would be taken against my account. To no fault of my own ( and by the company 's own admission ) my account has been in turmoil and apparently no end in sight. I have been more than patient, heeded their direction to wait the magical 3-5 business days to resolve anything, to be met with more " wait and see '' answers. I initially wanted my credit line reinstated, however, at this point ( due to the company 's inaction and disingenuous actions ), I want my account canceled and the company can assume the remaining debt as a loss on their end. It is a small price to pay considering I have spent 5 months of my time on the phone, on email trying to resolve an issue that wasn't even my fault. My credit was destroyed and I have been in limbo as I waited for it to be restored, missing opportunities due to my perceived bad credit, and embarrassed in public when my card was declined during transactions.

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 2017-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a car from a private party on XXXX. I paid {$2500.00} ( XXXX/XXXX/2016 ) for the car and {$640.00} to have the car shipped to XXXX, WI. Immediately upon delivery ( XXXX/XXXX/2016 ) receipt the car had numerous issue like non-start, no power, odometer rolled back, leaking fluids. The car was advertised as 'runs and drives great ' with original miles. 
I immediately ( XXXX/XXXX/2016 ) filed a return request through XXXX with the terms that the seller would pick up the car or if he no longer wanted it then it could be scrapped. The seller agreed. 
I notified my credit card company and they removed the XXXX charge. Now, more than 2 months later I receive a letter stating paypal/ebay is refuting the chargeback even though the XXXX seller agreed to the return terms. XXXX has evidence on their system the seller agreed to the terms of the return, yet 'XXXX ' from XXXX ( XXXX ) erroneously completed the chargeback form stating they had no proof the seller agrees to the return! They have all this information in their records including the seller accepting the terms of the return and refund. 
The letter I received requires a 'second opinion on company letterhead from another merchant in the same field ' which is impossible. This was a private party sale, not a purchase made at a business. XXXX knows I can not fulfill this requirement since it was not a merchant sale, it was a private party sale. Therefore the dispute will not go in my favor and my card will be charged for the damaged merchandise even though the seller ( who used paypal for the transaction ) has agreed to the terms of the return/refund. 
I 've contacted my credit card company but they have offered not much more than empathy. I 've done everything I can I my end, I need some assistance to get the refund I was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27
Company: SUNTRUST BANKS, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My existing mortgage servicing was transferred from XXXX XXXX to SunTrust Mortgage Inc . Shortly thereafter Sun Trust did an escrow analysis and refunded me {$2300.00}. On XXXX XXXX 2015, I received a letter from Sun Trust that in fact my escrow account was short {$4100.00} And either I paid the full amount or my mortgage would go from {$2500.00} to {$2900.00}. When I called for an explanation I was told that when the servicing was transferred, XXXX XXXX had not paid my local town taxes. I told them that they should go after XXXX since they were they ones holding my escrow and should have made all payments prior to the transfer. I returned the money they sent me in error but I will not paid anything more than what I was paying before the servicing was transferred. It is Sun Trust mistake and they not me should be responsible. I spoke to their Customer service Virginia, XXXX XXXX and XXXX XXXX who did the research and realized their mistake on XXXX/XXXX/15. See attached correspondence and tax statements from town.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation