BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
This is in connection with Case number : XXXX. I could not find any where to supplement my initial complaint. On XXXX/XXXX/XXXX I was contacted by B of A representative XXXX XXXX. I explained the deceptive nature of the Signature Card promotion. I asked XXXX XXXX why B of A did not disclose that by applying for the Signature Card, I was also applying for the junk Platinum card. She told me that I had not applied for the Platinum card, but that B of A had given it to me anyway, because it did not want to give me the Signature Card. This is even worse, because B of A admits that it sent me a credit card that I had not asked for, and it arrived with a {$50.00} charge already on the account before I even activated the card. Also, B of A reported this card on my credit report, despite the fact that I had never applied for, or activated the card. 

Since B of A now admits that I did not apply for this card, it violated 15 USC 1642 by sending me the card, for which it charged me {$50.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This complaint is being filed as TransUnion continues to list an error in my TransUnion credit report. This is my 3rd time disputing this account with TransUnion. However, despite what court documents that I send them, TransUnion will not correct my credit report. Here is identifying information about me : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX Credit Report Number : XXXX Errorenous Account on Credit Report : XXXX ( Account # XXXX ) Transunion is listing XXXX ( Account # XXXX ) as an account that was " included in Chapter XXXX bankruptcy ''. I have never had proceedings for a Chapter XXXX bankruptcy. The XXXX account was sold to XXXX and, as you can see from the attached forms from the Trustee regarding my Chapter XXXX bankruptcy, that account is currently being paid in my Chapter XXXX bankruptcy. It has been paid on since XX/XX/XXXX ( when I filed Chapter XXXX bankruptcy ). Citing the Fair Credit Reporting Act, I am asking that Transunion removes this erroneous information from my TransUnion Credit Report.

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 2017-03-07
Company: Navient Solutions, LLC.
State: TX
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 was opened in XX/XX/2005 for the amount of {$XXXX}. Monthly payments were supposed to be around {$XXXX} for 10 years with an interest rate of XXXX %. Part way through the loan XXXX XXXX became Navient. According to Navient I still owe XXXX} on this loan after making payments for 12 years. Even though this is not logically possible, Navient continues to charge me and will not review or correct the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: TX
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 contacted navient to to inquire about being able to lower my payment since I also have several'other student loans in repayment. They refuse to help me and say there is nothing they can do. Even after I tell them how much student loan debt I have they still state they can not help me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I investigated XXXX Estate through Trans Union about 1 1/2 month ago and this item was deleted. I just check my credit report through XXXX XXXX and this creditor is reporting once again which brought my credit score down XXXX points. What 's is sense of a consumer going through a 30 day investigation when the derogatory credit is being reported once again on their credit bureau report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: TrueAccord Corp.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Recieved an email from Trueaccord.corp stating that I owe a debt of {$180.00} I do not know of this company and I do not recall doing any kind of business with Trueaccord.corp

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am a recipient of XXXX XXXX. My coverage renewal was mailed to me in XX/XX/XXXX. I had to fill out my XXXX renewal forms and mail it to : Mail Renewal Program, XXXX, XXXX XXXX XXXX, XXXX NY XXXX. I mailed my forms in on XX/XX/XXXX. XXXX XXXX received it on XX/XX/XXXX. This form was sent to renew with my managed care program ; XXXX XXXX XXXX. I never received any updates via regular mail as I had requested when I signed up with my public assistance service. It was n't until I was inquiring on my coverage in XX/XX/XXXX that I found out that I no longer had XXXX Coverage. So, my coverage was canceled from XXXX XXXX to XX/XX/XXXX. I called my local social service office at XXXX XXXX and received the following status of my account:1. My mailed in application did not get processed after it was received on XX/XX/XXXX because it got transferred to the bottom of the list. 
2. On XX/XX/XXXX my account was noted under another persons name. 
I was then instructed that a new renewal form will be mailed out. I need to fill out and then return it. Weeks passed and I never received the duplicate renewal form. So I went into the XXXX XXXX office at XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX on XX/XX/XXXX to submit a renewal form in person, which I did. After I submitted this form, to my surprise, I received a renewal form again in the mail on XX/XX/XXXX. The reason why this is important is because during the time when my XXXX care coverage had been canceled from XXXX to XX/XX/XXXX I made an appointment to see a Doctor who accepted my manage care coverage for payment. However, since I did n't have coverage during that point in time, now the doctor is billing me for the lapse in coverage of {$36.00} for patients with no health insurance coverage and {$320.00} for patients with healthcare coverage as what I have. XXXX XXXX is also billing me for {$77.00} for service rendered on the same date. Now XXXX XXXX and the Doctor is threatening to send my account to collections because of the payments not being paid. The account number for XXXX XXXX is XXXX XXXX XXXX invoice # XXXX. The date of service was XX/XX/XXXX. 
XXXX collection number is XXXX at XXXX XXXX XXXX ext XXXX Claim # XXXX service date XX/XX/XXXX. My XXXX Account # is XXXX My XXXX card # is XXXX. I am requesting that XXXX or XXXX be responsible for this bill since neither of them notified me that I no longer had this medical coverage. Had I know this, I would have went to a straight XXXX provider for medical assistance. Please send me a response back in the mail at my address : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX My phone number is XXXX XXXX XXXX Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank charged me 5 {$35.00} fees for a total of {$130.00}. I made a deposit on XXXX at a branch and they did not post the transaction until the night of XXXX. On XXXX, my mortgage payment was processed bring the " available '' balance to below {$0.00}, even though my ledger balances was over {$2000.00}. Instead of charging me the fee on just the mortgage payment of {$4000.00} they charge me an individual fee of {$35.00} on every transaction pending.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Payoff process

Complaint:
My latest statement from Bank of America for a XXXX balance total was {$4500.00}. The due date was XXXX XXXX, 2016. I paid this amount in full on XXXX XXXX, 2016. Then received a new statement stating that I owe {$32.00}. I do not understand, nor do I agree to this practice. It is completely non-transparent to the consumer. When you receive a bill stating total due and you pay that total prior to the due date, that should be it. Done. Instead, credit card companies send you another bill. Why is this allowed? I contacted customer service, spoke with XXXX today, and she said they could credit me {$16.00}, meet me half-way. but I would still need to pay the {$32.00} in XXXX and then on my XXXX statement I would see the {$16.00} credit. I intend to close my account so how will I receive the credit of {$16.00}? It 's stupid. And essentially she said that my credit score is affected if I do n't pay. I paid my bill in full as required via the statement they calculated and presented to me and I did it prior to the due date they provided me Nice. The same thing is happening on my XXXX XXXX credit card account. 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 2017-03-09
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed for Chapter XXXX bankruptcy on XX/XX/XXXX after several repeated attempts for loan modification were denied. On XX/XX/XXXX Owen Loan Serving filed a notice of post-petition mortgage fees, expenses and charges with the bankruptcy court to recover legal costs incurred after I filed for bankruptcy. I have been making payments to the trustee 's office for my mortgage payments since XX/XX/XXXX. However, Ocwen servicing loan ( Mortgage lender ) never filed a proof of claim. I had to incur an additional expense to pay bankruptcy lawyer to file proof of claim on my behalf. I am attempting to get my XXXX Tax Forms and was told I wo n't be receiving one because there were no payments made in XX/XX/XXXX. The trustee was holding on to the money to allow Ocwen time to file claim which never happened forcing me to file a proof of claim via my attorney in which I incurred an additional fee. 
On XX/XX/XXXX a payment of {$16000.00} was made to Ocwen by my trustee however, Ocwen states they did not receive payment until XX/XX/XXXX and therefore I will not receive a XXXX for XX/XX/XXXX. Did I mention Ocwen file a {$400.00} claim, which is to be paid through my bankruptcy plan as fees they are recouping/charging to " review '' my bankruptcy plan which in turns increases my bankruptcy payment amount?, Ocwen responded with a letter that states nothing but facts regarding the case. No one has explained to me why a proof of claim was never filed by Ocwen. Can someone please explain why a proof of claim was never filed by Ocwen causing me to file on their behalf? Also can someone please explain why the payment of {$16000.00} made to Ocwen on XX/XX/XXXX was not receiving until XX/XX/XXXX. 
I, XXXX had to file the proof of claim on my own behalf via my attorney which is attached as Ocwen did not file a proof of claim. Had Ocwen done its job of filing a proof of claim via their local lawyer then I would not be in this situation at all. A notice of post-petition is NOT the same thing as a proof of claim. Can you provide reason for not filing proof of claim in a timely manner? Can you also provide a reason for not receiving payment until XX/XX/XXXX when payments were made on XX/XX/XXXX. See attachments. As a result of Ocwen 's negligence in filing proof of claim ; it caused trustee to hold on the payments while simultaneously allowing your Ocwen 's local lawyer to time to file claim. It also resulted in having to file the claim myself which is not in my fault and therefore I should be punished for Ocwen 's local lawyer 's negligence in filing a proof of claim. Previous response does not answer my questions. It only states facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Loan has been transferred to several different servicers, most recently Navient. When it was first transferred, the Navient representative told me that should I encounter financial hardship, I was eligible for unlimited forebearance. Not only was the forebearance limited ( 24 months, I think ), but a forbearance due to unemployment was only limited for 6 months, giving me no time to recover financially once I did find a job. I 've been trying for several months now to reach a human being at Navient to try to renegotiate my excruciatingly high monthly payments, but thanks to their automated phone system, reaching a human is near impossible. While applying for a different plan online is possible, the language is confusing and I need clarification, as I 'm afraid if I apply I 'll get stuck in a situation even worse than the one I 'm in now ( where my monthly payment is almost 25 % of my post-tax income ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: Ad Astra Recovery Services Inc
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I sent a certified letter to Ad Astra on XXXX XXXX and it was signed for on XXXX XXXX and a follow up letter was sent on XXXX XXXX and was signed for on XXXX XXXX. I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. all they sent was a printout of a online statement that had no signature By law, Ad Astra did not supply the info within the 31 days required by law validating the dispute nor did they mark the account disputed in the required amount of time

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: Google Compare Credit Cards Inc.
State: WI
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Adding money

Complaint:
Google Wallet is a service that allows you to make payments using any number of bank accounts or debit/credit cards. It allows you to add money to your " Wallet Card '' ( essentially a re-loadable XXXX XXXX by transferring money from your bank via ACH ( for free ) or by adding funds with a debit card ( for a fee of 2.9 % ). 

Here 's the problem. When I add money to my card via the free ACH route, the system tells me very clearly before I complete the transaction that the funds will be available in a few minutes. Once I 've completed the transaction, and check the status, it says the funds wo n't be available until a date 10 days in the future. Usually I 'm doing this in the checkout line at a store, and I 'm forced to add the money again with my debit card, costing me that 2.9 % fee. 

Now at this point, I 've had to pay somebody else to use my money. When I contact XXXX about it, they offer no help and their only solution is to use the debit card route ( which costs me money ). When I add the money via debit card, it comes out right away. But I 've already added money via ACH, which is going to come out on the next business day. So in this example, the money is taken out of my account TWICE, with a waiting period of up to 10 days to access the other half of it. 

Bottom line, I add money, it says it will be available within a few minutes. After I submit, it says it will not be available until several days in the future. Their service is lying and misrepresenting itself, and causing undue financial hardship. 

I have added XXXX screenshots. The first shows that when I go to add {$100.00}, it says the money will be available within a few minutes. The second was taken after submitting that {$100.00} transaction, showing that it wo n't be available until XXXX XXXX. The XXXX screenshots were taken less than a minute apart.

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

Complaint:
Have disputed this account with XXXX Transunion numerous times. Account has not fully been investigated properly. Have not been provided with information and different information being reported to each bureau. Have requested full verification as each report is showing different information and have yet to receive adequate proof of ownership. Have received statements but nothing proving I own the account and inconsistent information being reported across all XXXX bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
An extended fraud alert was placed on XXXX/XXXX/XXXX with Transunion File # XXXX. I was told it would last 7 yrs : XXXX. Sometime between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, an individual, who has been fraudulently using my Social Security Number for at least 12 years to try to open lines of credit and earn wages, was given access to my credit profile and was able to successfully change or add the name, address and fraud alert contact number to her own, therefore being able to successfully secure at least XXXX lines of credit with a credit card company. This is unacceptable and does not make any sense. I specifically named her as an identity thief with the FTC and Transunion going back to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XXXX/XXXX/XXXX, a Transunion representative says they are " repairing '' my credit profile, but refused to provide me with a copy of the credit file showing how my information had been manipulated so that I could add this info to the policy report and further protect myself. The other credit bureaus ask you to mail in your requests - which is leaving an victim of identity fraud open to more fraud ( mail theft???? ). This is a thoroughly maddening and disappointing process and something needs to be done so that the credit bureaus start adding layers of fraud protection and identity verification. It is harder to change info on my email account than it is to change info related to my SSN. This is unacceptable.

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 2015-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
On XXXX/XXXX/15 I applied for a home equity line of credit ( " HELOC '' ) online from Bank of America ( " BofA '' ). The following week I received a telephone call from BofA regarding my HELOC application. One of the questions asked by the BofA employee was " do you have have any other loan requests pending ''. I answered truthfully, which was yes I had applied for an identical HELOC from XXXX XXXX a day after I applied to BofA. BofA informed me that they would NOT continue with my HELOC application until I provided them a letter from XXXX XXXX indicating that I had withdrawn my HELOC application from XXXX XXXX. I indicated to BofA that I was willing to withdraw my application from XXXX XXXX but only after I had received a loan commitment from BofA. BofA has unwilling to do this and canceled my application. BofA did this despite me being a 20 yr customer ( premier status ) with existing checking, savings and HSA accounts at BofA and a XXXX credit score. This practice by BofA is anti-consumer. It limits shopping for competitive rates and terms. It forces you to either shop for a loan sequentially versus in parallel, which is time consuming at best, lie to BofA during the application process, or find another lender.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Paypal Holdings, Inc
State: WI
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
XXXX/XXXX/15 I requested a Paypal Credit line to use for an upcoming purchase. I also requested instructions in advance of that purchase, so that the purchase would qualify for their promotion - 0 % interest for XXXX months on purchases over {$99.00}. I received an invoice for my purchase and made a downpayment of {$500.00} using Paypal credit. When I received the merchandise I made a second payment of {$1700.00} ( so both transactions on that invoice qualified for the 0 % promotion ). When I noticed that I was charged interest by Paypal credit, I called to dispute the interest charged. I was told verbally that they agreed that I had made the purchase following their instructions and should have qualified for the promotion. That person indicated I would receive an email with the dispute resolution in 24-48 hours. The email that followed said I did qualify for the promotion and would see changes to my account in another 24-48 hours. XXXX days later the interest was still on my account. I called again on XXXX/XXXX/15 and after several discussions was told that because I made XXXX payments on the invoice it voided the promotion. I asked that Paypal refund the interest charged, since that detail had never been adequately explained in previous conversations. ( Indeed other Paypal reps had indicated I qualified for the no interest promotion and it should be resolved to my satisfaction. ) On XXXX the " supervisor '' I spoke with ( XXXX ) refused to remove ( or credit my account for ) the erroneous interest charged. I feel Paypal Credit owes me a refund of {$28.00} - a small price to pay to retain goodwill with a responsible customer.

Company response to consumer: Closed with explanation