BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-01
Company: Navient Solutions, LLC.
State: MS
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:
My private student loan account has recently gone into collections and I 've been set up on automatic withdrawals with XXXX of {$100.00} each month. Recently I 've had double payments withdrawn from my account over the period of three months. I called and it took several weeks to get this issue resolved and I did receive a refund of {$200.00} but now the issue has happened again. I spoke with XXXX at Navient Customer Advocate who helped to resolve the issue and assured that the double payment was a glitch and would n't happened again. Well it happened again this morning and I really need this resolved because it 's definitely against the {$100.00} agreement that I have with XXXX. I need this resolved and a refund immediately of my {$100.00}. If you can help please do, Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: WELLS FARGO & COMPANY
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
IN XX/XX/XXXX, i received a letter regarding a " Class Action '' suite , involving the illegal placement of a CPI policy placed on my XXXX XXXX XXXX XXXX that i purchase in XXXX. That letter i received instructed me to provide proof of insurance during the time of the " CPI Policy '' ( policy # XXXX effective XX/XX/XXXX-XX/XX/XXXX ). I contacted the XXXX by phone, and provided the insurance policy number during this time of coverage ( XX/XX/XXXX-XX/XX/XXXX ). I was instructed to wait 180 days to allow for investigation and review. 

In XX/XX/XXXX, I received a letter dated XX/XX/XXXX, informing me based upon the information i provided, they determined it was necessary to place the CPI policies during the dates listed ( XX/XX/XXXX-XX/XX/XXXX ; therefore, i was denied compensation. 

With that being said, I am filing a complaint against, Wells Fargo Auto, CPI Payment Program because of the following points.

1. I complied with their request and provided the necessary insurance information requested ; 2. I absolutely had full coverage insurance for the duration of my loan with Wells Fargo.

3. Dates of insurance coverage was provided to Wells Fargo for a second time on XX/XX/XXXX. 

My claim should not be denied because the insurance company 's records don't go back that far. Additionally, when i requested information regarding the CPI policy from Wells Fargo, CPI Department, they where unable to access the file due to the age of it. With all this being said, this does not warrant a denial.

Wells Fargo waited 10-15 years after they placed the illegal CPI on my loan, and the insurance company doesn't keep records that far  back. It is in my opinion, Wells FArgo knows that, and maliciously using the stated 180 days ( allotted for review of claims ) per their statement, to delay payment to those like myself.

Lastly, my claim should not have been denied because Wells Fargo took so long to admit their wrong doing and based upon this and, the above facts, I am due restitution for the illegal CPI that I paid.

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 2017-02-08
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Navient is not processing my requests for a copy of the promissory note for a student loan. 
I requested over the phone from XXXX XXXX ID Number XXXX that she send me a copy of the promissory note on XXXX XXXX, 2017. I called back later on XXXX XXXX, 2017 and talked with XXXX in the Office of Consumer Advocate. XXXX told me that the request I made on XXXX XXXX was not processed. So I asked XXXX over the phone to process a request for the promissory note on XXXX XXXX of 2017. I have not seen a copy of my promissory note from Navient yet in the mail. I called back on XXXX XXXX or XXXX and spoke with XXXX XXXX in the Office of the Consumer Advocate to see if that the promissory note request was processed in the computer and XXXX XXXX confirmed that the request had been made. I still have not seen my promissory note in the mail. I want a written explanation as to why Navient will not send me a copy of my promissory note to me. I hereby request through this complaint on XXXX XXXX that Navient send me a copy of my promissory note through certified mail. Thank you. If you do not honor the request made by phone on XXXX XXXX, then you need to send me an explanation as to why you will not honor that request. If you do not honor my request today XXXX XXXX XXXX, 2017 ) through this complaint filed with CFPB, then you need to send me an explanation as to why you will not honor this request for my promissory note. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I checked my credit report and found that banco Popular of PR XXXX at XX/XX/XXXX appeared on accounts with adverse information in my XXXX credit report with inaccurate information the balance is inaccurate, the account was paid in full by the XXXX XXXX, and the banking institution received the property and they sold the property and received the payment of the sale and additional retained the downpayment that I make of 20 % of the cost {$40000.00} and the payments that I made since XX/XX/XXXX to XX/XX/XXXX and the payments that I make for insurances policies, maintenance, repairs, tools and equipment, stoarge and transportation and additional they retained {$26000.00} final payment of one of my certificate of deposit that never returne the amount to me inaviolation of the agreement after natural declared disaster XXXX Hurricane XXXX when they only gave me m months of moratorium in payments, they requested insurance policy renewal, they devaluate the property {$60000.00} less without any appraisal and manipulated the appraisal that they paid that contain different values of the property depending if I voluntarily return the property to the bank, if the property was repossess or if I keep the property and pay the debt. They discriminated against me they give me less favorable terms than other applicants and they offered non clear, misleading and fraudulent information in refinance transaction in XXXX when I went to the bank and let them know to XXXX XXXX and XXXX XXXX XXXX that I lost my divorce case and the money that I was expected and can't continue with the property and the loan and both denied me any solutions more than a refinance in balloon loan to favor the banking institution and did not notified me that they will take the down payment and all payments done. I would like to request for my intimacy and privacy right that this account will b remove because the account was paid more than full and they said it was charge off when they received all monthly insured payments, they sold the property and keep the money of the sale and keep the money that I paid and keep additional money of my certificate of deposit in a violation of banking regulations and discriminations against me. The account was reported inaccurate balance and I am natural declared disaster and declared disaster survivor, they commit serious regulations violations and depredatory acts against me. They are reporting this in a retaliation act against me and I received continuous loans denial due to inaccurate information 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 explanation
Consumer complaint received 2017-05-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have filed  XXXX  disputes with Equifax requesting that they remove an outdat ed 8 year old dis missed Chapter  XXXX  Bankruptcy from my credit report, It is my understanding that a Chapter  XXXX  Bankruptcy is removed from a credit rep ort seven year s after the date of filing a Chapter  XXXX  Bankruptcy. Please note that  XXXX  and  XXXX  have both removed the bankruptcy from my credit history on their credit reports. Equifax is the only credit reporting agency that refuses to remove the t he 8 year old dis missed Chapter  XXXX  Bankruptcy from my credit report.   I mailed a dispute request to Equifax on  XXXX   XXXX ,  XXXX  requesting they remove the dismissed Chapter  XXXX  Bankruptcy from my file on the basis that Chapter  XXXX  Bankruptcies are removed after seven years. I included official copies of my United States Bankruptcy Court, District of Colorado, Chapter  XXXX  Standing Trustee 's Final Report and Account document, showing that my Chapter  XXXX  Bankruptcy was filed on  XX/XX/XXXX  and Dismissed on  XX/XX/XXXX , and therefore is ove r eight yea rs old and should be removed. On  XXXX   XXXX ,  XXXX  I received notification from Equifax advising that the information was " verified '' and that they would not remove it. I filed another dispute with Equifax on  XXXX   XXXX ,  XXXX , this time online, and received notification on  XXXX   XXXX ,  XXXX  stating, again, that the information was " verified '' and it would not be removed.   I called Equifax  XXXX   XXXX ,  XXXX  and spoke to a representative that informed me that my Chapter  XXXX  Bankruptcy would not be removed because it is their policy to only remov e Discharged Ch apter  XXXX  Bankruptcies after 7 years and since mine was Dismissed and not  " Discharged '' i t will remain on their credit reporting information for 10 years.   I have searched the Fair Credit Reporting Act laws and can find no law or regulation that distinguishes the difference between a " Discharged '' or a " Dismissed '' Chapter  XXXX  Bankruptcy that would allow Equifax the discretionary authority on whether or not it should be removed from my credit report, especially since the other  XXXX  Credit Reporting Agencies,   XXXX   and  XXXX , have removed it.   Therefore, it appears that either Equifax is refusing to comply with FCRA rules and regulation as it pertains to the removal of my eight year old Chapter  XXXX  Bankruptcy or there is no consistency required among the Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 was mistakenly reported 30 days late and 60 days late by my mortgage company due to their payment address change and failure to notify me of it. Also, the credit union had a grace period which I fell under. 

I sent a letter in XXXX asking to please have this fixed soi can buy a new home, the 2nd letter I sent certified to ensure delivery. Still have not received anything back or updates to fix the problem. 

My bills are paid on time, and I send checks via mail, this was a minor mistake on the banks part in not notifying me as well as the bureaus for not fixing this issue promptly. I need some help to get this fixed. Thank you 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 2020-04-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XXXX of XXXX XXXX General Manger XXXX XXXX  & XXXX XXXX service manger called me XXXX  ON SEVERAL OCCASIONS AFTER I TRADED in my XXXX XXXX. I called XXXX XXXX my service advisor in reference to the XXXX XXXX XXXX XXXX  key being stolen by my landlord. I paid {$370.00}. I have no receipt. XXXX XXXX was in the showroom my sales consultant when I was called a XXXX. I took XXXX XXXX police & XXXX told me I was not allowed in there. I had XXXX tow my XXXX XXXX back after My transmission brakes everything went on XX/XX/XXXX. My account number with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VIN XXXX. On XX/XX/XXXX XXXX XXXX   stayed they were selling my car. I gave both keys to the XXXX XXXX police dept on camera in XXXX. How can I still be liable 4 a lemon I returned where I purchased it from. Im not being charged off on my credit by XXXX XXXX XXXX. I contacted The XXXX XXXX  AND MADE 7 complaints. I received nothing in writing. XXXX XXXX XXXX XXXX ACCT XXXX stated involuntary repossessed date of last pymy XX/XX/XXXX. I DIDNT HAVE THE CAR XX/XX/XXXX til XX/XX/XXXX. XXXX XXXX refuses to give me my car. I had XXXX tow it back to them through XXXX XXXX  ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Exeter Finance Corp.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XX/XX/2015 Exeter Finance Corporation debited " all '' of their borrowers accounts " twice ''. My called customer service XX/XX/2015 to pay {$350.00} for my XX/XX/2015 payment. The agent took the payment gave me confirmation & that was it. Days later I realized their were XXXX transactions for a total of {$700.00}. Exeter did not believe me for almost a week. It was 6 days later when they decided to reverse the payments & pushed back XXXX loan payments. Since this event I have been upside down in my loan my LTV is roughly 150 %. For approx. 1 year all of my payments have been going to " interest ''. I have paid roughly {$8000.00} & my Principal balance has only decreased by approx. {$2000.00}. I have called & lodged several complaints as most of all of my payments have been applied to interest even when I send an overage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I opened a AAA Bank of America credit card in XXXX of 2015 In XXXX I got a call about fraudulent charges from somewhere in XXXX I did all the phone calls filled out all the paper work and I closed the account after several calls it seemed as if they had no clue .I was told fraud dispute was started.I called back when I got my statement and saw nothing was done.I was told it was not started the lady I spoke to said she would start the process in the mean time I was making payments even though I wanted to pay off the entire balance just to be done with this card .I closed the account for my piece of mind. I called back after my XXXX statement seeing as the dispute still was not resolved. I was told by next billing cycle I would be given my true balance that is all I wanted so I can pay it and get rid of this card.I got my statement not only is it not resolved they added back on the fraud disputed amount and charged me a {$25.00} late fee I dont even know when my billing cycle is because they locked my account and I did not get a paper statement.I will go through the ordeal of calling fraud center on Monday. All I want is to pay off this card but my actual charges and not foreign fees or late charges. I have been victimized over and over from this bank. I had this card for XXXX months and all these problems. XXXX XXXX XXXX years no problems. The customer service stinks .I will call XXXX and tell them terminate there association with Bank of America.I hope someone can help me with accurate information the last charge I made was XXXX 2015 give me my balance minus payment what is so hard. XXXX XXXX /Acc # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-14
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im really grieved and exhausted at my experience with NCB MANAGEMENT I was unfortunately a victim of identity theft. I have a mother who has XXXX and a child with XXXX so its really hard and very challenging to battle back and forth with this agency. I sent a letter to this agency with a certified return receipt. That indicates the letter was signed for an received on XX/XX/22. In the letter I Included a copy of my identity theft affidavit. Im simply asking for this account to be remove from my report. Its been well pass 30 days and Ive received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 have my checking account with Bank of America. Upon accessing my account via ATM a week ago, I discovered significant funds missing. It turns out two checks were forged for my account, including one for over {$31000.00}. I have been trying to talk to BofA 's fraud department for a week, and I have been getting the runaround repeatedly, including not responding to my repeated requests to see a copy of this forged check. The bank keeps telling me " it's under review '', but I get no assistance to resolve this situation in an expedited way, given the bank, as XXXX XXXX, is liable for clearing a fraudulent check. This amount of money is extremely critical for me as an XXXX-year old woman.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-15
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I booked a hotel stay through the American Express XXXX XXXX XXXX XXXX program on XX/XX/XXXX, for a stay at the XXXX XXXX DC from XX/XX/XXXX - XX/XX/XXXX. 

American Express 's stated ( among other benefits ) the following benefits for the XXXX XXXX XXXX XXXX program : {$200.00} in statement credits each year on prepaid bookings with American Express XXXX XXXX XXXX for two {$100.00} experience credit I received the {$200.00} statement credit upon prepayment. 

I discovered that I was charged {$170.00} upon checkout on XX/XX/XXXX, including {$160.00} for room service breakfast for both days. I called American Express on XX/XX/XXXX, and spent 26 minutes on hold while they researched the benefits. They were unable to provide me a satisfactory explanation as to : 1. the reason for charging breakfast, which should have been included 2. the reason the experience credit was not applied, if breakfast was not included I believe this to be a clear violation of the benefits that are stated directly on their webpage : I was advised to call back to start the entire process over again. 

https : //www.americanexpress.com/en-us/travel/benefits/how-to-use-hotel-credit/

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX account XXXX and XXXX XXXX XXXXXXXX, have violated my rights. 
15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2, 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 non-monetary relief
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 belongs to someone else

Complaint:
THE ACCOUNTS/INQURIES ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2017-02-01
Company: ATG Credit, LLC
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:
Ive never ordered anything from XXXX ever. I do n't know whose debt this is but it is not mine. I 've never ordered anything from this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
What about the wrong doing of Bank of America and what they did to this senior even having XXXX dollars title insurance policy. What they did was totally illegal and very wrong!!! AS far as we know they never owned the land that they gave me a mortgage on with me paying XXXX down and paying XXXX a month for 6years is there not anyone that can do the wrong that they have done to me!!

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