BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
We acquired a mortgage on a double wide trailer and XXXX acres of land. I was deemed permanent property, but Bank of America still put a separate electronic lien on the double wide. The entire loan ( mortgage ) was paid off in XXXX of 2014. We have contacted Bank of America, XXXX Bank, Our local DMV, XXXX multiple times, have all the paperwork and Bank of AMerica still has not release the lien. According to XXXX they are the only ones that can release the electronic lien since they are the ones that established it. Also apparently we are not the only people they have done this do according to our local bankers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I was asked by someone to do a favor and receive a money transfer from them, which would be sent on Paypal, and return the sent money ( minus the instant withdrawal fee ) back on XXXX XXXX. I agreed because I knew the person. On XX/XX/2019, I was sent {$440.00} from the sender on Paypal and as promised, I sent back {$430.00} on XXXX XXXX which was the TOTAL amount minus the instant transfer fee. On XX/XX/XXXX on Paypal, an unauthorized purchase case was opened against me by this person. I provided sufficient evidence ( screenshots of messages agreeing and of the XXXX XXXX receipt proving I sent the money back. On XX/XX/XXXX, the sender opened a fraud case with his financial institution and because of Paypal 's incompetency to protect recipients of transactions, I immediately lost the case. I then opened a fraud case with my banking institution to receive the money back that I sent on XXXX XXXX, but the charge was ruled authorized. Now my Paypal account is negative {$460.00} and they want me to cover a scammer so they are not in the red.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I have been getting calls from Midland credit. They call constantly using obscene tactics in fear. I was told from a caller because I could n't afford to pay that he " Knew a place I could get XXXX free meals a day ''. They have somehow gotten my mother 's phone number and told her they have a case with me with the XXXX XXXX district attorneys office. They are also now calling my partner 's parents. I have no idea how they are getting this information and the harassment will not stop. I saw there is a pending case on them as well.U.S. v. XXXX XXXX XXXX XXXX, XXXX, U.S. District Court, XXXX District of New York, XXXX. I feel helpless to stop these harassing and embarrassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I currently have multiple loans with navient. On multiple occasions I called navient looking for options to help me pay my loan balance. They only offered forbearance as an option. After I used all of the forbearance that I had available they then offered me a payment plan which would lower my interest rate. The rate reduction program is a joke because the idea is for your rate to gradually increase each year. When I started the rate reduction program my payments were somewhat affordable. Now my payment has increased even though my overall financial situation has n't changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
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:
Loan interest percentage rate increased during in-school repayment term because I was dis-enrolled in autopayment ( due to no payment needed during school enrollment ). I 'm still paying interest and principle payments but my interest rate has increased dramatically because I do n't have the option of being auto-debited for some of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
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:
Navient is attempting to extort me with a very XXXX conduct regarding claiming that I owe a debt to them that I have NEVER signed ANY agreement, or documentation for with them, and they are also, In violation of the F.C.R.A. Nor can they provide ANY document that I signed with their organization in addition to not knowing who they are. I have NEVER had any private student loan whatsoever from them, or with this organization!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
The interest rates are ridiculous. I 've asked for financial help multiple times and they offer nothing. Private loans are the worst! I can not repay the amounts when the interest is ridiculously high. Highly irritated with the bondage of private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In 2014 while in college, my bank account was compromised and an unauthorized check was deposited to my account as well as my debt card stolen. When it was brought to my attention, I immediately went to the bank location for assistance. I was told there was nothing they could do for me. When I returned home to Texas, I again went to the bank for assistance to no avail. My signature does not match this fraudulent deposit. I did not receive any monies from this deposit nor was my account ever overdrawn due to this unauthorized deposit. I have spoken with over XXXX people in several departments and no one can figure how to resolve. Only after attempting to open an account at another institution was it revealed to me that Bank of America reported the account to XXXX. I am accused of " suspected fraud ''. Again, I did not defraud Bank of America nor do I owe or have owed Bank of America for insufficient funds. I do pray that this complaint filed herewith will provide me relief and resolution of the matter by removing this negative information from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I had gone to XXXX XXXX to buy sofas. The woman at XXXX XXXX had made an error in an ottoman and had cancelled one part of the purchase and billed us again. Bank of America has flagged it as fraudulent and we agreed, not recognizing the charge. Our debit card was called and the funds for the sofas were held in limbo, the bank saying that it had gone through but then XXXX XXXX saying they had not gone through. XXXX XXXX then wanting us to charge our card again. Finally we cancelled the purchase but while waiting for he XXXX to be credited back to our account, our account was in the negative and we had XXXX overdraft fees. This was complicated by XXXX charging us for a move and then canceling their charge. We thought then we had more effective funds and they charged us again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Bank of america charge me {$35.00} returned item fee when in fact the ( {$7.00} ) item was not returned. Bank of America have the amount ( {$7.00} ) in there records but it is not showing in my all transaction records. I believed they purposely hide it. The {$7.00} was drawn by XXXX a financial company. XXXX used my debit card to collect payment and was paid by Bank of America. One thing that puzzles me is if the item was returned to XXXX, it should show that I will have a balance on my account with XXXX. Reason why I file this complain is to recover my returned item fee of {$35.00} and show to others what this bank is doing just to get those fees even resorting to lying. Here are the reasons why I am contesting Bank of America : 1. ) Whenever XXXX collect payments from Bank of America, using my Debit card, the Bank rejects the collection if I have insufficient funds, without any penalties, just like withdrawing in an ATM. 
2. ) Bank of America said they returned the item. No item was returned as per XXXX records 3. ) The amount ( {$7.00} ) is not showing on my account activity. I believed was deliberately hidden from me. 
I tried to resolve this Matter with the operation manager XXXX XXXX XXXX ( XXXX XXXX XXXX CA XXXX ) and the response is " we can do nothing ''. 
I hope you can help me resolved this matter. I believed Bank of America have violated bank regulations skimming customers by fees.

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 2016-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Other

Complaint:
I am requesting that the CFPB assist me in getting Bank of America to make good a " stale '' check for {$1400.00} that the MBNA credit card company mailed to me in XXXX and that I then promptly misplaced for ten years. I probably thought then the small perforated letter was on the order of a notice of my pin number or a {$2.00} rebate check. Bank of America bought MBNA in XXXX. I contacted Bank of America in XXXX and they did nothing worthwhile, either at the bank branch or over the phone. Neither MBNA nor Bank of America sent the money to the Abandoned Property Fund in New York or Delaware. 

I spoke by telephone with XXXX XXXX of Bank of America on or about XXXX XXXX, XXXX about this matter. She telephoned me. She works at the XXXX dealing with " underwater '' mortgages. She was of no help, not her job. 

I am requesting that you try to get Bank of America to make good on this MBNA bank check. I ca n't figure out why the finds on this uncashed check did not go to the New York Abandoned Property Fund, which would have saved me a lot of trouble. 

Thanks for any assistance you can provide.

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 2016-05-17
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Wells Fargo will not allow me to refinance due to a bankruptcy six years ago. They were not involved or mentioned in that process. I am a XXXX and could use your help.

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: NJ
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 complaint echo 's the suit being filed against Navient. Any time I have reached out to Navient, they have n't assisted me with lowering my payment. I also have tried to reach out to them and pay a lower amount monthly which they have declined multiple times. Recently, the company automatically put my loans in forbearance without my permission. Also, when I fell behind on payments they would constantly harass my co-signer. They would call as early as XXXX, about 7 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America is not reporting correctly on my credit. They included my mortgage in a Bankruptcy when I had paperwork with in my bankruptcy indicating possible re-affirmation. I continued to make payments on time also indicating of a reaffirmation from XX/XX/XXXX to XX/XX/XXXX as per my HAMP modification. This is also not reported. I also paid loan off in full by refinancing and Bank of America is refusing to show the payments from XX/XX/XXXX to XX/XX/XXXX and status of account paid as agreed on credit. They are sure quick to show bad status by will not show anything good.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
Twice I have been charged interest after paying my balance in full. I have called XXXX times and had the charges reversed but I am afraid people that do n't go over their bills carefully are being charged in error.

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC 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 non-monetary relief
Consumer complaint received 2016-02-11
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:
I have been paying the same amount on my student loans on time for the last five years. This month, my monthly payments more than doubled. I called to get help and I, with my cosigner, went through a financial assessment over the phone on XXXX XXXX. This process took approximately two hours and we came to an agreement of a lowered monthly payment effective immediately. In order to agree upon the financial agreement, I had to agree to an automatic deduction of half of the adjusted amount every month. Just to lower my payment, which I qualified for due to my income, I had to give a stranger my personal banking information. I called to see when I should expect my account to reflect the new monthly agreement, and the operator had no answer for me. I continued to check my account and my bank statement for the transactions to change, and nothing different. I received a letter this morning, XXXX XXXX, to the effect that my payment over the phone did not go through due to failure to locate my bank account. Not only has the very same bank account paid my balance every month, but no changes have been made to my banking for over 13 years. I even repeated the account and routing numbers several times over the phone XXXX/XXXX/2016 just to make sure so that I would not lose my new monthly quote. Seems to me there is some foul play here. In the meantime, my account has had the same unaffordable balance, as well as, new threats of late fees and hits on my, and my cosigner 's credits. In addition to all of this, my cosigner during her recent financial adjustment, on XXXX, expressed that she is experiencing her own financial hardship and can not afford to help in any way. Instead of taking this new information into consideration, Navient charged me the same for the XXXX loans she helped me finance and threatened to attack her if the payments were not collected on time. I am a good customer and have tried to do the right thing here, but Navient has not held up its end of the new bargain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: SYNCHRONY FINANCIAL
State: IL
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:
Ive pulled my credit report & noticed a few unauthorized hard inquiries on my credit profile that wasnt to my knowledge nor do I have any business with these companies nor did I give any consent to these companies to run my credit. My assumption is someone had gotten my personal information and tried to apply for something against my consent & knowledge. The INQUIRIES IM REFERRING TO IS : Company : Date of Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. SYNCB XXXX ( I contacted these companies and they werent able to verify my information nor did they even have my information in their system and recommended me to contact the credit bureaus to remove these inquiries but as I contacted the credit bureaus they claimed that I need to file a police report to get the inquiries removed which I did and I do have the police report number if requested ( will be included in attachments )

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 2016-10-27
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am not aware of this company. I just saw that they are requesting a debit from me after starting to clean my credit. I have disputed numourus times. I even called them to get information and they had no documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Other

Complaint:
I sent a letter to Macys ( Citibank ) requesting they provide me with evidence, bearing my signature, that i ever had a contractual obligation with them. they did not follow the FCRA 623 ( a ) and FDCPA 807, in which they should have placed a dispute on my credit reports within 30 days and supply me with documents bearing my signature. I have made several attempts requesting this information. They also disputed any other accounts i have with them and placed " updated '' information on my credit reports about accounts i was not requesting information about.

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 2015-06-14
Company: CITIBANK, N.A.
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Home was sold.. citi mortgage was my lender.. was trying to do a new loan modification. After wife had gotten hurt 2 years ago ... have had XXXX different representative since XXXX of last year. Felt like I was getting a complete run around with them.. never called on times that I had available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-27
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Dear Sir/Madam, Around six months ago I opened Citigold checking account and I am still expecting XXXX XXXX XXXX miles to be posted for the promotion XXXX. On XXXX XXXX on my question XXXX XXXX replied that the investigation has been launched and I will get the outcome sent on my e-mail address which never happened. 
Before that on XXXX XXXX I have got a message XXXX from Citibank Client XXXX ( XXXX XXXX ) that my account has met the necessary requirements to qualify for this promotion and miles should be posted within 90 days which never happened. 
Before that on XXXX XXXX XXXX XXXX confirmed that promotion code XXXX attached to my Citigold account. 
What Citibank is trying to do is pretty much scamming, trying not to meet commitments after all their acknowledgements that I was eligible. I carry out my obligations and pay account fee which is $ XXXX monthly and I want Citibank to provide good customer service as advertised and honor their promises.

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 2016-05-31
Company: Credit Bureau Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is my personal cell phone. I thought creditors could n't call the personal cell phone when it is registered on the DO NOT CALL LIST. These people are calling early in the morning. They are annoying me!

Company response to consumer: Closed with non-monetary relief