BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I opened a checking and savings account with Bank of America. At the time of opening the account I was told that I simply needed to transfer {$25.00} a month from my checking account to my savings account to avoid any fees. Later Bank of America converted m my savings account to a checking account ; -apparently due to the amount of transfers or withdrawals from my savings account over a rolling period. Since the.n I have been charged a monthly maintenance fee of roughly {$12.00} a month since XXXX of 2015. I was unaware that I was being charged this fee until two days ago and when I contacted Bank of America I spoke with XXXX individuals who placed blame on me, questioned my lack of balancing this account monthly and was told they could only refund {$12.00}. I explained to both representatives that I was unaware that I was being charged and did not notice until the day that I called. I explained to them that I originally opened this account as a savings account and was told that when it was converted that they provided ample opportunities for me to be made aware of these changes regardless if I recall them or not. I proceeded to explain that I still have the $ 25 monthly transfer set up and if I was aware that I was being charged I would have just closed the second checking account because I did not need it, I do not have checks or even a debit card linked to that account. I was again told a cookie cutter answer and ina politically correct way was told it was my fault for not noticing this sooner and that there was nothing either representative or their managers could do for me except refund one of the 18 monthly charges that have occurred,

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 2023-04-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
JPMORGAN Chase, was notifying me to contact them because they needed more information on my claims. I ignored the messages because I had NOT filed any claims On or around XX/XX/XXXX Chase locked my debit card I called customer service and was transferred to the Fraud department. I explained that I needed a explanation about the pending investigations being conducted on the fraudulent claims and why was my debit card inactive. I informed them that I never placed these claims, which were bizarre, there were several submitted within a 7 day period and ALL of them were reversal requests on purchases and payments that I had made in XXXX. There was one current * my XXXX bill {$110.00}. * Why would I wait until XX/XX/XXXX to dispute financial services provided during the prior year?. I was asked if I had called in the claims.. ( several times ) my answer remains NO. Why won't they check Voice Recognition since Most calls are recorded?? The fraud dept. claims that my account was credited for all of the claims, I immediately informed the person that I NEVER received any of these so-called reversal credits. Which I can prove with my mobile app. I was sent a letter informing me that in or around XX/XX/XXXX that Chase would be taking back their funds from my account. I had {$170.00} in my account on the 5th my Social Security Disability check appeared in my checking account ( 2 days late ) within 24 hours ALL of my money was gone and I am now in the negative for {$310.00} Chase expects from me. I believe that government checks are exempt from being seized unless I owe child support or alimony. JPMORGAN has locked my account I went into a local Chase branch here in XXXX, XXXX XXXX XXXX asked for assistance from one of the desk employees he called somewhere the call was brief and I could tell that the person on the other end was abrupt. After the call I was informed that my accounts would be closed, and that I could NEVER be a Chase customer again and that they would return whatever funds were available afterwards approximately 10 days when their investigation would be concluded. I was a victim of identity theft ... Chase did not protect or support me as a client. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: CAINE & WEINER COMPANY, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: Navient Solutions, LLC.
State: PR
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 the account with Navient, suddenly my account information ( name on the account ) was changed. I realized it when I got the documentation for filing taxes. I called Navient right away and they confirmed their mistake and assure me that it would be corrected before the tax day. As of today the information had not been corrected and now they are requiring a copy of my social security card. I refuse to send a copy of my card, now even more than ever after they made the mistakes of identities and placing me under a higher ID theft risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was ordering airplane tickets on XXXX when this popup stated if I applied for a credit card I would get {$100.00} off on my tickets. I had already picked out my dates, entered the names birthdates, seating and bag information. I was at the payment phase when the popup displayed. So I took advantage of the offer but when I completed the credit form it did n't take me back to check my order when I was approved. It just checked me out and charged the card. I never got a card number or a phone number to call. When I saw my confirmation it changed the flight day to the day I bought the tickets. Allegiant terms of services said 24-hour notification or no refund. I could not call or reach anyone and we started getting notifications that the plane was ready to leave. I tried to cancel the return ticket and it never fully canceled and notified us to board the plane for a return. I still do not know the card number or who to call. XXXX does n't have a phone number on their website. I sent an email with no reply. I think I now have a debt of {$700.00} for something I never ordered. I picked XX/XX/XXXX and it changed it at checkout to XX/XX/XXXX of the same day. I feel I was frauded because of their 24-hour cancellation policy. I can provide the PDF confirmation. But it only shows the last four digits.

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 2017-01-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I have previously disputed my student loan due to the inaccuracy of debt amount being reported and the numerous debts too. I want validation and verification as to the amount in dispute and validation for the numerous multiple Navient loans which is being reported. I have not taken out this many loans ever. Please delete these account immediately as it is in accurate in amount along with the these accounts are being reported multiple times on all three of my credit reported. If for some reason the account is verified and validated, please send me the name of the person who provided the information and the method in which it was investigated. In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] "

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: ProCollect, Inc.
State: MO
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:
XX/XX/21 - Received notification from ProCollect regarding alleged debt. 
XX/XX/21 - Submitted formal written dispute advising alleged debt was incorrect and requested proof of damages to apartment and outstanding debt amount. 
XX/XX/21 - Received response from ProCollect that included a Waiver of Reservation and handwritten notes on a Account Statement with no proof of debt. 
XX/XX/21 - Responded to ProCollect with pictures and proof of payment as evidence that the alleged debt amount is incorrect and the damages are not accurate. 
XX/XX/21 - Without receiving a response to my formal dispute, ProCollect report the incorrect debt amount to the Credit Bureaus. 
I responded in writing and sent the responses certified to verify receipt, but still received a negative report to me credit report. I provided proof that three payments were not reflected in the alleged debt amount and pictures showing no damages to the unit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: 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:
I have XXXX private loans, initially thru XXXX XXXX, and now those loans are serviced by Navient.Since the loans became due ( XX/XX/XXXX ) monthly payments have been made.When the loans were serviced thru XXXX XXXX a lower interest rate was negotiated which helped lower the monthly payments for 1 year. Since Navient took over they will not work with me to lower the interest rates ( 6 % & 8.125 % ). Since XX/XX/XXXX, Navient has also allied the total monthly payment to interest on the loan with 8.125 % rate. When I contacted Navient I was told the payment were applied to capitalized interest. When I go back thru the history of the loan, 'capitalized interest ' has alway sheen a line item in the detail, but there is no line item in the history which states capitalized interest for {$3800.00}. To date, they have applied {$3500.00} to interest and {$0.00} to principal. The payment for the 6 % loan has always been applied to both principal & interest. I filed an initial complaint thru CFPB back in XX/XX/XXXX, and received a call from XXXX XXXX of Navient, returned his call 5 times but always got voicemail. On XX/XX/XXXX I spoke with XXXX at Navient Customer Service, and she said Navient would investigate and send a letter out with resolution. To date, no letter has been received. I also contacted the Maryland States Attorney General 's Office but they could not help and referred my correspondence to CFPB, which I have had no reply. With my {$280.00} Navient payment of XX/XX/XXXX, {$61.00} has been applied to principal and {$220.00} to interest. But there has been no correction or resolution to the {$3800.00} total payments applied only to interest. I am repaying these loans in good faith, and I want the appropriate portion applied to principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CA
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 was a XXXX XXXX student, at the end of school was given a consolidation with sallie mae- no other program was available. They took XXXX loans ( 1 per year ) and made subsidized and the other one unsubsidized.Why? so I could never re-consolidate soemwhere else-I found out! At the school the financial officer there was a representative from Sallie Mae only. I was given no grace period by Sallie Mae- dispute having to await passing my professional state boards for licensure. I was told to forebear at a significant cost to me. I was married at the time to a fellow student so we had XXXX student loans in effect from Sallie mae. also at the time I had XXXX during my last years of school. My only options were always forbearance- since I was told I did nto qualify for anything else-I had incurred late fees and high interest as result. My original loan was around XXXX that over the years was re-payed at 4-5 times that amount to excessive fees. If I managed to pay twice in one month they advanced the payment instead of applying it to lower my interest and principal. I begged for relief and better programs- daily calling them, and consistently found that what I had agreed to by phone- if I failed to follow up and check- was inaccurate and Not what I agreed to. This created a lot of letters to Sallie Mae in complaints- to no avail. I suffered a XXXX XXXX and again went though their " relief '' program which was only forbearance and late fees. My XXXX- and so the XXXX benefit I later received from that I later took and paid off Sallie Mae in /around 2010 at XXXX at a time I even had to move into my office since I had no place to live. Because of the financial hardships with Sallie Mae, my marriage also ended. My credit report has been a nightmare and very difficult to correct the mis-information that Sallie Mae provided to the XXXX XXXX. Since it shows late, closed and sold, and multiple Sallie Mae accounts that I have to explain to mortgage companies etc. Thus, I used my XXXX rights to benefit to just pay them off. My credit report shows Multiple accounts with Sallie Mae- errors that I cant get them to correct such as : - ACCOUNT TRANSFERED TO ANOTHER OFFICE- STUDENT LOAN PAYMENT DEFERRED- ACCOUNT TRANSFERRED OR SOLD- CURRENT ACCOUNT this makes up about 30 % of my credit score! I must not be alone in this unfair business practice of Sallie Mae and wanted my voice to be heard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: TN
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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX ... XXXX XXXX ... XXXXXXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: GSF MORTGAGE CORP
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we made a half payment of {$1000.00} and then made the second half payment on XX/XX/XXXX. The purpose for doing this was to cut down on our interest. Our mortgage lender, GSF Mortgage Corporation accepted both of these payments for our XXXX, XXXX payment. On XX/XX/XXXX another half payment of {$1000.00} was made and accepted by GSF Mortgage for XX/XX/XXXX. A second payment of {$1100.00} ( included a late fee assessed by GSF for no reason ) was made on XX/XX/XXXX for XX/XX/XXXX mortgage. The payment made XX/XX/XXXX was returned to our credit union. We contacted GSF to determine what was going on and was told that we were not on the ACH payment plan at which point we tried to make two more half payments, which GSF did not accept. On XX/XX/XXXX GSF Mortgage accepted a payment {$1000.00} for XXXX 's mortgage to be applied with the XX/XX/XXXX payment for a complete mortgage payment. On XX/XX/XXXX we made a payment of {$2000.00} for XX/XX/XXXX mortgage payment. On XX/XX/XXXX we made payment {$2000.00} for XX/XX/XXXX mortgage payment. On our XX/XX/XXXX statement GSF Mortgage stated that our next payment was XX/XX/XXXX. At this time, GSF Mortgage has {$2000.00} of our money that has not been allocated to our account. After 40+ hours of repeated phone calls and 60 days of no action on the part of GSF Mortgage we are at our wits end. We have begged GSF Mortgage to apply our funds and rectify this problem to no avail. We can not get a single person who can take a look at our account and do simple math to see that we have made all the required payments. We admit that we made an error in submitting half payments. Once we figured out we could not do this we have sent in the full payments. GSF Mortgage has continued to harass us with robo phone calls though we can never talk to a supervisor to correct our account. They have placed money in a so called Expense Account and can't seem to move it to be applied to our mortgage. They have applied late fees that are not applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged XXXX overdraft fees of {$35.00} each, in the amount of {$100.00}, when my account was only overdrawn by XXXX check in the amount of {$300.00} on XXXX/XXXX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: RevSolve, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owe {$3000.00} to a hospital. I sent a small pymt. Then they sent me to collections. I sent a payment on XXXX XXXX they cashed it. They have called every day sometimes several times a day even on the day they cashed my payment! I sleep during the day because I work night s. They keep calling and disturbing my sleep. When I call to ask them to stop especially since I just sent a payment and they 're disturbing my sleep they say " man that 's fine but we can still call you! " if like to file a complaint. I will file one every time they call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Sent a letter to Synchrony Bank XXXX XXXX XXXX  XXXX letting them know that XXXX XXXX is XXXX years old, unable to walk or travel due to failing health. She suffers from a XXXX XXXX and XXXX with XXXX XXXX in the right hand. In 2020, XXXX XXXX XXXX XXXX XXXX due to a fall. XXXX XXXX is only receiving social security and she is unable to pay any debt. This letter was ignored and no one responded to her/our letter. I am XXXX XXXX, her niece and I assist her with any correspondence. I can be reached at XXXX. 

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 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I spoke to the credit bureau and was told that the items would be removed from my report and that I needed to send them my ID, Social, and police report. I provided the items to the credit bureau and they were not removed. I have sent in this to the credit bureau and loaded it here.

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 2015-05-28
Company: NE PROCESSING LLC
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
A company keeps calling me NE Processing LLC XXXX claiming that I owe money and they are threatening to sue me. I looked up the company and can not find they are real. It even lists them as a scam. They have my old banking information somehow, but I told them I do n't know about the loan, but they do n't provide many details. They also used different names for their company also one day its one name another day its another.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I purchased concert tickets via an online ticket service ( XXXX ). Almost 2 hours later my bank account was hit for {$700.00}. Upon discovering it I contacted the bank and asked how they could allow this without my knowledge. They stated that they would send it to their fraud department and it could take up to 10 days. This left me with {$0.00} money in the bank and nothing to live off of. The transaction came out as XXXX XXXX but upon calling XXXX and talking to numerous people we were told that they did n't have any transactions from our card. This was used as a Debit Transaction so someone got a hold of my expiration date, security code and number. The only online purchase that was made with this card was to buy the concert tickets. Now, we were told that even though the {$700.00} says pending on our account they in fact have our money but neither TD Bank, XXXX or XXXX XXXX is claiming any responsibility nor do I know if or when I will even get my money back.

Company response to consumer: Closed with monetary relief