BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient increased my monthly payment without notice. And deterred me from income based repayment plant to forebearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: EQUIFAX, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX   XXXX   is saying I owe them {$830.00}. They sent this to Equifax and Equifax put it on my credit report from   XX/XX/XXXX .  Then they sent it to DIFFERENT ( I think its called  XXXX  ) collection agency and they put it on my report AGAIN. I disputed both of these. First dispute number is  XXXX , says it is closed with no change to my report. Equifax never mailed me anything. Second dispute number is  XXXX , this was just disputed a few weeks ago because I noticed it was from a different collection agency and opened in    XX/XX/XXXX .   I need something in writing, documents that I owe   XXXX   XXXX  , something, anything that Equifax has saying I owe it, and from all these opened dates, otherwise it needs to come off my report. It is hurting my credit. They can not keep turning it over to different collection agencies and then they report it as a new account ( j ust opened ) to k eep the 7 years starting all over again, this is against the law. I have had  XXXX  for the past  XXXX  years and still have  XXXX  and can prove it thru them.     Thank You,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX     XXXX   XXXX  , CO  XXXX   XXXX   Social :   XXXX  I ALSO MAILED YOU AND EQUIFAX A LETTER

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient has sytematically and illegally failed me at every stage of the student load repayment process. Navient has also systematically failed me in the beginning stages of loan origination. Navient 's response that the lawsuit is politically motivated is a copout to their known, intentional, and repulsive activities. Navient 's response infuriates me because I do n't need to research how they 've failed consumers. Citations are not needed for me to understand what they 've done. I have my own personal experience with Navient, its subsidiaries, and its associates. I am repulsed by Navient 's attempt to dodge responsibility under the cover of politics. I am repulsed by Navient 's effort to justify their evil mistreatment of consumers at every stage of the loan process. Furthermore, Navient 's response infuriates me because I have no recourse other than the hope of the Consumer Financial Protection Bureau 's lawsuit. Navient and their associates have literally intentionally lied regarding my private student loan. When it all boils down to it, it 's my word against theirs - regardless of what rules, regulations, and laws their collectors and associates must follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I have a pending court date set for XX/XX/XXXX. The only reason I found out about this was due to my new landlord running a background check for my occupancy permit per the City of XXXX. I was never served. Furthermore, I have never, in ANY capacity, been contacted by Jefferson Capital Systems. I only found out about their name recently when I ran my credit report prior to consolidating my student loans. After I noticed the collections for XXXX ( XXXX XXXX ) I contacted XXXX ( formerly named XXXX XXXX ) and they show no record of and defaulted loans, and all loans were paid off and brought current. It was only shortly after this consolidation XXXX XXXX moved to sue, still never notifying me in any capacity of their intent. 

Being as I was never contacted, I never had the opportunity to dispute. I have filed disputes with XXXX and XXXX ( currently pending, which again, I believed kept collections at bay and unable to file suit during that period ), and still never furnishing validation of debt. 

I am getting a copy of the documentation from the circuit clerk on file, and will arrive on my court date and explain this situation to the judge as well, as to avoid a possible default judgment. 

Per my report, Jefferson Capital has had this account since XX/XX/XXXX. In 2 years, I have never bee contacted in via mail, email, or phone call, by anyone with this company claiming I owe a debt. And now they have, to the extent I feel, filed suit illegally, in the hopes that that I would not become aware of their intent, and receive a judgement on account of my being absent. 

As XXXX XXXX has verified no debt is owed, the credit bureaus are investigating, and I have never been contacted regarding the debt in question, I am moving to contacting an attorney after XX/XX/XXXX with my findings after the court hearing. 

I also do not find it to be coincidence, that upon investigating as to WHO Jefferson Capital is, as stated since I have NEVER heard of them in the 2 years they apparently had this account, the first mention via a quick XXXX search is a case from XX/XX/XXXX. in which they attempted to sue an XXXX XXXX XXXX ( like myself ) briefly after he too consolidated his federal loans. 

I have contacted an attorney regarding this matter, and will by filing a similar complaint to the necessary receptors, as this, to me, seems to violate, in numerous capacities, the FDCPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Issue: Delinquent account

Complaint:
XXXX Credit Bureau - Bank of America - Paperless client - Paid off the account in full, waited two weeks and looked again and still paid in full. Bank of America failed to notify me that I owed any pending accrued interest. They waited until my account was past due before they sent a letter. I paid off in full as soon as they told me. All accounts that have principal paid in full should notify the client with letter of any accrued interest coming due instead of waiting until delinquent to issue a letter of past due account. Why should anyone accept a paperless billing ( saving paper etc ) when the bank uses it against the applicant at closing of the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I continue to be billed for a XXXX service on XX/XX/XXXX by XXXX XXXX was paid by XXXX under claim number XXXX dated XX/XX/XXXX paid the bill XXXX % of billed charges. they have sent me to a collection agency XXXX Ref # XXXX XXXX they are wanting {$730.00} total charge amount when this was paid. I have told them over and over and they are trying to ruin my credit and they have been paid already. I dont know what to do I feel like this fraud and they are trying to double dip. I need this taken care of because nothing is owed to them and the information has been provided to them multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Overdraft Charge of {$35.00} was collected from my account in consecutive thee times on XXXX XXXX, 2015. The statement was not showing any overdraft balance on XXXX XXXX, 2015 after all of the checks and atm card payment were posted. It became negative when the XXXX and XXXX overdraft charges of {$35.00} were posted. It may be a computer error. I just would like to request for the refund of {$100.00} ( {$35.00} x XXXX ). Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-10
Company: Navient Solutions, LLC.
State: MI
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 have received calls from a General Revenue Corporation on a debt they claim is owed by my partner. To date, they have called : * me * my mother * my father * my sister all on our personal cell phone numbers. None of these numbers have been provided as contact points, and there is no overlapping financial concerns that would associate us with this claimed debt. I called General Revenue in an attempt to obtain an address where I could send a registered " do not contact '' letter, and was directed to a separate XXXX number for their complaint department. I was told this department would be able to provide me with the information I requested. This number went to a voicemail box, and so far I have not received a call back. I called back to the original number, and was told the complaint department is the only place that can assist with this information I understand they are required to supply.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Navient Solutions, LLC.
State: VA
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 requested a loan consolidation around XX/XX/XXXX. My primary loan is with XXXX ( but somehow managed by Navient ), where I have XXXX different loans more or less {$10000.00} each from my XXXX degree completed XX/XX/XXXX. After that I got about {$30000.00} split in XXXX loans from XXXX. 


When I filed to request the consolidation, I chose Navient. After I receive my consolidation letter I noticed that the XXXX loans from XXXX were not included. I have been calling in multiple occasions to have this situation fixed as soon as possible. Eight months later, my loan balance is still not right. 


I had to call Navient, XXXX, and the Department of Education countless times, without being able to receive any kind of help. All the answers that I get from Navient are that they will submit my paperwork to a supervisor but nothing happens. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide documents that their company has on file to verify the accounts that I have disputed. Being that they have gone past the 30 day mark, and have not been verified these accounts, under 611 ( 5 ) ( A ) FCRA they are required to " Promptly delete all information which can not be verified '' that I have disputed. Please resolve this issue as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XX/XX/2016, EQUIFAX confirmed in writing that an XXXX account I have disputed for some time was FINALLY deleted from my file as it belongs to my ex-wife. When I checked my EQUIFAX report XXXX XXXX, 2016, it had been re-inserted. This is a clear violation of Federal Consumer Law!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I put in a dispute, on XXXX/XXXX/2015 it was updated and no changes were made, I called the CRA ( Equifax ) and was told, that the government agency ( Social Security ) vouched that the debt was correct, even though I had sent them a notice and proof of payments to show it was not. ( I am unable to contact the department who reports to the CRA for Social Security, and I have even mailed them directly, they are a subcontractor of the Social Security Administration, and their address according to the postal service is not valid ) The CRA resubmitted the dispute to the government agency a second time on XXXX/XXXX/2015 and my second request has expired rather than the CRA notifying me, and the item has not been removed from the my credit report, further penalizing me for a debt that amount that is inaccurate. Since this time an Administrative Law Judge for Social Security has reviewed my case at the request of my federal representative and the balance of {$31000.00} has been reduced to {$6900.00}, I also uploaded a PDF of the judgement from Social Security with a new account number, my previous debt account is now being used for a dependent debt and is not collectible on my credit report, and yet the balance and account numbers are still showing on my credit report incorrectly, and the information has not been changed on my credit report, nor updated by the CRA, or Social Security, who only seem to report changes one time per year .... and it is now XXXX XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: JPMORGAN CHASE & CO.
State: MS
Product: Credit card
Issue: Transaction issue

Complaint:
I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam.I would like you to investigate the following charges on my Chase card : XXXX {$4000.00} on XXXX/XXXX/2016, XXXX XXXX XXXX charges {$2200.00} on XXXX/XXXX/2016, {$1300.00} on XXXX/XXXX/2016 and {$2700.00} on XXXX/XXXX/2016, XXXX XXXX {$4000.00} on XXXX/XXXX/2016. I got contacted by these companies by unsolicited telemarketing phone calls. The reason for this dispute was due to their deceptive sales tactics they used to obtain my business. They promised me a profitable at home online business.I have n't heard from them since, I tried to get in touch with them several times and I was not successful. They did not provide the services I was sold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-30
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have received a statement on  XXXX / XXXX / XXXX  from my new loan compan y LoanCare a   servicelink compan  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , VA  XXXX   XXXX  whom bought my loan from   XXXX   XXXX   XXXX   XXXX . The loan was bought in    XXXX   XXXX   XXXX    ( i know why the bought in  XXXX  now. ) I had    XXXX   XXXX   XXXX    since my last FHA refinance in  XXXX . I have NEVER had an escrow issue for 6 years. N ow LoanCare is saying I am a tax payment short of their buffer. Which the amount is {$1600.00}. Their   statement suggests even if I pay this amount my payment will be increased. This is very fraudulent and happens to millions a suspect a year. I have contacted  XXXX  to request all  XXXX  statements to prove this fraudulence. What is worst, is I have contacted LoanCare by phone without a successful explanation other than your short. I have emailed them  three times in the last three weeks with  NO response. Let me know if you need anything from me as I battle a 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 explanation
Consumer complaint received 2016-12-19
Company: JPMORGAN CHASE & CO.
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I spoke with legal advisory person and sent to the bureau the issue, the original account was opened more than seven years ago and still showing in my credit report. It was sent a letter to the XXXX credit bureau and requested delete those accounts, unfortunately still showing in credit. Respectfully I request your help. 
Thanks, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Navient has contacted XXXX parties ( in-laws ) in regards to my outstanding student loan debt and has announced the call as a debt collection call to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I re-financed with XXXX Bank, from Bank of America, on the last day of my 70 day rate lock XXXX/XXXX/15. Bank of America ( former mortgagor ) representative showed up an hour late, without proper documents. I was forced to pay title company an additional {$550.00} because of this. Bank of America had 70 days to locate my documents. Bank of America should be responsible for this cost. I already paid this title company {$3200.00} in fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Northland Group Inc
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
The Northland Group Inc XXXX XXXX XXXX XXXX MN XXXX reference # XXXX tried to collect a debt from me that was covered under my bankruptcy chapter XXXX case # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Bank of America improperly calculated my income and expenses. Bank of America is making it nearly impossible to be available. Many calls end up in the wrong departments. Bank of America based a modification disqualification on to much income to debt, however did not take into consideration the the new payment. Bank of America stated I did not qualify for a regular refinance because I did not make enough income. Bank of America will not asssign someone specific to handle my situation. Bank of America took over one year to make a decision on a loan modification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have gone to XXXX different schools, XXXX which are under investigation with the state attorney. I have applied several times including your company asking for an investigation, asking for a reduction, in some cases my school loans to be deleted due to now I still do not have certification. Nobody wants to get involved, I am still in debt, I still owe {$50000.00} to Dept of Education. I have signed an Ability to Benefit which I was asked to send in a paper from the state, if I have not worked. I think having a food stamp card is self explanatory enough. I have applied for every help in order to have my school loans reduced and nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
XXXX I got a phone call today from Bank of America. Someone there now wants me to call them. No. That has not worked. I will not be put on hold. I will not be stonewalled. I will not repeat myself. I will not be bullied. I will have a record of what they say. I have a copy of their internal memo XXXX XX/XX/2016. That is Bank of America policy. They can reach me at my email address. 
I asked two questions in my original complaint to the Federal Reserve Bank. Those questions were not rhetorical. Is United States Currency not legal tender without an ID? Are people without an ID forbidden to pay thier debts? XXXX XXXX said that Bank of America policy is based on Federal law. Is it? Please, if your office can not answer the questions, who in the Federal government can?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
On my payment schedule it listed my payment as being set to increase XX/XX/XXXX, but actually had this higher amount on my XX/XX/XXXX statement. My statements had been {$180.00} and were suddenly increased to {$190.00} on XX/XX/XXXX with no notification, even though my account has a repayment schedule set to increase to his amount specifically on XX/XX/XXXX. I was concerned at first, and these were exacerbated by the slew of recent lawsuits against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
They have e been taking mine and my husband 's federal tax check for the past 2 -3 years. I feel that we have paid my loan in full. We have struggled every year, almost lost our home because of them taking our tax money. Never was sent no amount of what was due, or a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Applied Business Services, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This Medical Bill has Violated the Hippa Violations, I have no contract with you, please remove and delete off my credit report Immediately. This is Fraud and I will contact the Postal Service because I believe you are trying to fraud me out of money!

Company response to consumer: Closed with explanation