BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was told a deposit I made would be available on XXXX XXXX, 2016 and as of XXXX XXXX, 2016 it has still not been released, despite me providing proof the check had cleared. I am being charged fees while items I 've try to pay against the deposit have been returned at great embarasement and expense to my family

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 2017-02-08
Company: TENET HEALTHCARE CORPORATION
State: NE
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is a debt from XXXX being collected from Syndicated Office Systems on my XXXX credit report that I 'm not responsible for. I am a VA XXXX Veteran who has 100 % Medical from the VA Hospital. It is the VA Hospital responsibility to pay all medical bills from other medical facilities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeated asked Central Financial since XXXX of XXXX to provide verification of debt for {$100.00} that they are continuing to renew on my credit. Every 6 months, they are repeated renewing the collections of {$100.00} as if it is a brand new debt. According to their records and all the information they can provide me is that they acquired the debt from XXXX XXXX in XXXX. In fact, this should have NEVER been on my credit since I have insurance and have double coverage. My normal out of pocket is always {$0.00}. Why is it showing on my credit as if it was filed in XXXX of XXXX?????

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been attempting to come up with a solution to my current problems paying my loans.I started this on XXXX/XXXX/15 and have continued to send emails and talk to XXXX XXXX, Navient '' s consumer advocate. XXXX XXXX has been diligent in his efforts to resolve this, but even his attempts have fallen on deaf ears. I/ He have gotten no response from Navient for over two months, other than continuous emails and phone calls. As my attached letter states they have no interest in helping at all

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient has made it impossible for me to lower my monthly payment. It 's XXXX dollars a month and when I have called them, almost 10 times about some kind of plan I can get into, they say with the type of loan I have, income-based repayment is not an option. They informed me if I was struggling financially, I should take a forbearance period until I can make more money to afford the monthly payment. Also while collectimg interest on the loan. I have looked into what my payments are going to, and all of it has went into interest, almost XXXX dollars worth every month just for interest!!! SCHOOL : The XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Hello CFPB- I have a new single point of contact at BofA who I spoke by phone yesterday XXXX/XXXX/17. She gave me a deadline to submit my change of circumstance info by XXXX/XXXX/17 in search of a modification. During the discussion I shared with her that I am able to resume paying the amount on my monthly statement, but the BofA will not accept it. This is due to the sale date they posted on XXXX XXXX, 2017. I have recently doubled my income and when I was told it is still not sufficient I asked how much more money do I need to earn. And here is the standard answer from everyone I have spoke or emailed with at BofA. To paraphrase, The BofA does not make that decision, that decision comes from the guidelines set down by the investor. She suggested I contact them. What follows is close to the language and describes what seems to be an intentional effort to not disclose. BofA names XXXX as investor, and the BofA as servicer is required to reveal the investor. In contacting XXXX by email and phone via a recorded message, XXXX states they are not the investor, but a Trustee for certificateholders of XXXX, XXXX My research revealed that XXXX is Countrywide , and BofA owns Countrywide . 
The result is that I and other homeowners are kept from accessing vital information. I told my BofA rep that I am in the running for XXXX full time jobs in which I am asked to state what salary I want. I need vital info from BoA what amount they demand so I can key it to these XXXX jobs. I shared this information with my BofA rep and told her that XXXX refers all decisions like income level are generated by BofA. My BofA contact became defensive and reaffirmed XXXX is the investor and makes the decisions, not BofA. 
I saw no reason to pursue this conversation in that she was getting agitated, and told her I would have the necessary docs ready when she will call, XXXX Fri XXXX. Shortly after this call I received a email stating that my file was declined though my docs had not been submitted. A later email stated that no further sale dates will be considered, thus my home will be sold Thurs XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX reported I had 11 late payments, and all were 120 days past due in XX/XX/XXXX. However, if you look at my payment history, it reported on-time payments in XXXX, XXXX, and XXXX of XXXX. I didn't have late payments because my account was in forbearance. 

I've disputed it with XXXX XXXX XXXX and XXXX, and TransUnion. I asked for one-time late payment forgiveness, explained the loans were in forbearance, therefore they could not have been more than 120 days. 

Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan  Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days. 

Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days. 

Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days Account number XXXX Date opened XXXX XXXX, XXXX Account type XXXX Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days

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 2021-02-15
Company: Collins & Hilton Asset Group, LLC
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I sent a letter to Collins Asset Group requesting for validation for debt they say I owe so things could be handle and I can improve my credit. Its been almost a year and I have received any letters or none of my phone calls have been returned. This has been a negative impact on my credit report and has stressed me out because my wife wants me to use my VA loan for a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This account was paid in full before being sent to a debt collector. 
It is still showing up on my credit report as a derogatory account of {$9.00}, and has for the last 3 years. It should be removed from my credit report, since all agree that it is not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I recently came across an article on the XXXX regarding Bank Of America being fined over XXXX XXXX dollars for their identity theft scam. I have been a member of the privacy assist owned by BOA since XX/XX/XXXX so I called them to see if I am eligible for this refund. When I spoke to XXXX of their representative XXXX she transferred me to a guy rep who can help me with the refund. After going over some questions he told me that he ca n't find my account and told me that only members from the year XX/XX/XXXX-XX/XX/XXXX are eligible for refund. I could'nt tell when I started exactly on my membership so he directed me back to the previous rep to find out. Privacy assist told me that I 've been a member since XX/XX/XXXX making me eligible for the refund so then I asked the rep why they could n't find my account information. The rep then told me to call BOA directly which surprised me because all along I thought I was talking to BOA. So I did that I called the customer service for BOA and what they did was transferred me back to Privacy Assist. I was passed on from one rep to another with no answers to my questions. I need your help to get fair justice from this corporation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: MoneyLion Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a moneylion debt card that I never applied. I have never heard of this company and want this canceled..They advised they can't without my ss # and other info I am not giving them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I returned items to XXXX in XX/XX/2020 I noticed that I was charged again for the items. I returned I provided Synchrony Bank the returned receipt via faxed and they continue to give me the run around stating I didnt provide it when I called customer service they said they see it my claim has been closed and re-open multiple times. They still have reported this amount to the credit bureaus have not credited my account pending investigation per letter it states. They have had more than 60 days to get this resolved.

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 2016-05-07
Company: Navient Solutions, LLC.
State: MD
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:
My father submitted a payment on my behalf to Navient in order to pay off XXXX federal student loans which were taken out under my name for college back in the XXXX timeframe. The intent was to pay off these XXXX loans in full, and we made sure that we included the loan numbers and explicit instructions on how the funds should be disbursed. 
Navient applied my payment in error across all my federal student loans, as I have since taken out XXXX additional loans separately. As a result, they did not charge me for the XXXX newer loans last month. Their website showed a XXXX balance due - no other loan details, but I figured everything was okay. However when I went to make my regular payment this month, they still showed XXXX due. At this point it became apparent that they applied the funds in error to all of my loans. This does raise an additional point of contention with their " new website '', which does not really show enough information to make informed decisions about my payments. 
I immediately called Navient customer service and explained the situation, and the service rep told me it would be resolved and there would be no past due amount. Later that week, I received notification that action had been taken. It 's currently Friday night - Navient is closed - and I logged into the website to find that I now have XXXX past due notices on my account. 
Furthermore, even though I am on a fixed monthly payment for my remaining, consolidated federal loans, they charge me an additional {$75.00} every third month for no apparent reason. The customer service representative I spoke to earlier this week explained to me that this had to do with the disposition of the loan, but could n't explain why the amount was different from the agreed upon terms of the consolidation. 
I 'm completely fed up with the servicer Navient at this point. I will continue calling them to straighten out the past due amounts and attempt to resolve the situation but I do n't feel that they are acting in good faith, in competence, and I 'm seriously concerned that they have been overcharging me even though I have never missed or made a late payment. Any help you can provide in dealing with them would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NY
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 asked to switch my monthly payments so that the higher amount due would go to the smallest loan so it can be paid off faster and was told no they cant i can do it myself but will be responsible for late fees or the loans paid in full.. I told them I would still be paying the same amount each month and was told theres nothing they can do to override that in their system. Also XXXX switched companies to navient with out my consent when asked if they will still contribute to u promise i was told yes but navient didnt link to upromise i also went from a fixed interest to variable and now my monthly payements keep rising even though ive called multiple times because i cant afford to pay. their suggestion was to extend term of loan, but that will only result in paying more in interest over the course of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Due to several financial setbacks I 'm always asking for lower payments however instead they keep putting me in forbearance. Once out of forbearance it seems my payments double or triple which in turn means I still can not make the payments. I have tried income based repayment but they do n't take your other debts into consideration, just your income and feel you can pay only Navient and no one else. I 've been doing the forbearance or deferment for years only to accumulate more interest. I 've tried telling them what I can pay per month versus paying nothing and only meet with the forbearance option. As a single person making a house payment and paying other bills, I feel their way of " helping '' is only making things worse. Since my school location is n't listed, I have these loans from attending XXXX XXXX XXXX - XXXX, IN ( On-line courses )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
When I was in school pursuing my XXXX and XXXX degree I had some federal loans with XXXX XXXX ( now Navient ) and started getting calls from them about taking out Tuition Answer loans to cover expenses. I did not know at the time that they were private loans and did not have the same repayment options as federal. As I was finishing my XXXX my husband and I went through XXXX layoffs and ended up having to file Chapter XXXX bankruptcy. Our attorney told us that the student loans would not accrue interest while we were under bankruptcy protection. That turned out to be false. Payments were made to Navient on these loans through the bankruptcy court. We made every payment to the bankruptcy court on time and were successfully discharged XX/XX/2015. I immediately called Navient to try to make repayment arrangements. When I called them I found that because of interest added while we were in bankruptcy our balance on these loans had gone from {$110000.00} to {$240000.00}. Over {$120000.00} was added in interest! They told me the payment would be {$2100.00} per month. I explained that I could not afford that and they offered to enroll me in what they called their rate reduction program. They said that I would be able to pay the loans down faster since I would n't be paying as much interest and they set me up with a payment that was under {$1000.00} per month. That program expired after a year so I called back and asked if I could continue in that program. They told me I did not qualify and had no other options but to make the full {$2100.00} per month payment or they would begin enforcement action against me. Since then I have been working XXXX full time jobs to try to make these payments and am quickly running out of options. 
When they told me I could not continue in their rate reduction plan I started keeping track of everything on a spreadsheet which I can send to you. When the rate reduction plan ended XX/XX/XXXX my balance was {$240000.00}. After making the full payment of {$2100.00} my balance actually went up to {$240000.00}. For the following two months after making the full payment my balance was reduced by less than {$300.00}. I called Navient and asked them why my balance was going up even though I was making full payments. They told me that all of the interest I 'saved ' while being in their rate reduction program was put back on my balance. They did not tell me that would happen when they put me on that program. XX/XX/XXXX my balance did decrease by {$1100.00} but XX/XX/XXXX it increased by {$580.00}. No one at Navient can give me an explanation as to why this is happening. We are much worse off financially now than we were before filing bankruptcy solely because of these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My identity was stolen in XXXX 2000 's. I have an open case with the department of justice and they have arrested the woman that opened accounts in my name. I have filled out an FTC Fraud affidavit and sent it to the credit bureaus however they have not done their jobs and removed XXXX items. 1. XXXX BANK 2. XXXX XXXX JUDGEMENT. 3. XXXX BANK. I Feel like Equifax is leaving these accounts on the credit report so they can make more money off of the negative reporting. This is not only wrong but very unethical and illegal. 
I have sent XXXX letters certified and the accounts are still showing. Attached are my documents and letters I have sent the credit bureaus. Please investigate and fine this company for violating my federal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
I attended XXXX XXXX which is part of XXXX. The recruiters pushed us to sign up for private student loans telling us that when it came time to pay back out student loans that we could re consolidate but Navient will not let me re consolidate my student loans and I have an interest rate that is more than twice the national average- I currently have a 13.5 % interest rate. And by the time i pay off this student loan i will be paying almost 3 times the amount i originally borrowed. I received a certification from XXXX in XXXX which i was told i could transfer those credits to other schools but not one school took the credits from XXXX so when i pursued my degree further the time and money i had already spent at XXXX was not able to be used and i had to start completely over with my schooling- retaking some of the same classes i had already taken and paid for through XXXX . The recruiters from XXXX tell you that you can get any job in the XXXX field after attending school and will start out making enough money to pay back the student loans. But after finishing this program I did n't even have enough schooling or experience to apply and take the actual certification test to become a XXXX to even get a job in the field. The school started out with a different name and switched about half way through my program.

Company response to consumer: Closed with explanation