BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-18
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My identity was stolen. Please report accurate information. I have no knowledge of the accounts listed on the files below. It has damaged my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
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:
The Bank of America has grossly mishandled the POA and POD accountssssss that were set up for my terminally ill mother and continues to operate at the height of incompetence during estate proceedings. They have issued POA checks POA checks drawn from the incorrect joint tenancy accounts, they have issued checks issued checks that could not be used by merchants, they have sent POA check to the checkbooks to the wrong address. In the interim, the POA account could not be accessed not be accessed on line, nor could an ATM card be issued for it. They advised me to try to break into my mother 's on line account by guessing the passwords which I finally was able to do. When she passed away, they denied immediate access to a POD account even though a death certificate was presented and notarized on the grounds that their " policy '' preferred that joint beneficiaries present their claims as the same time, when they are clearly entitled to half a portion each. When informed I was a long term B of A customer, they " relaxed their rules '' even suggesting that I could get some more " preferential treatment. '' They advised that they were not sure when they could send my portion and advised that I should just " look for it '' in the mail. When I finally got them to call the Estate Division, they finally understood the money was immediately payable. 
My sister, upon arriving from her home in XXXX, went through the same hoops with the XXXX branch. they got me on the phone and finally after several hours conceded she should receive the money too. 
My father went to cash out and close the Joint Tenancy account he had with my mother which is now his ( with no questions ) as she had died. 
They proceeded to draft a check from the POA account which should have been frozen, claiming now that the {$5700.00}. joint account was a POA account. They finally corrected it after I spent two hours on the phone with the Estate Division.The breach of their fiduciary duty and the standard of custom, practice and ethics in the industry calls for redress. It is abominable and warrants a class action as many others have grievances as well. 
Three branches are involved. And the problems persisted and would not go away.

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 2022-03-18
Company: CARD Corporation
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone has used my personal information to open a bank account on XXXX I can not get through to anyone in the company due to the mixup of fraudulent information they have on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
Company: Monterey Financial Services LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX XX/XX/XXXX, I went to XXXX XXXX in XXXX XXXX XXXX and entered into a lease for a XXXX XXXX. After signing the contract, I realized that that the contract states that I received a physical copy of the agreement prior to signing and I was free to take it and review it. This do not occur. I was only shown a copy of the agreement on an iPad by the salesperson and it was only provided to me in printed form after I signed it. This is in violation of the Truth in Lending Act Regulation, 12 CFR 1026 Disclosures Provided on Credit Contracts Provision. Second, the contract states that I was to receive warranty papers regarding the XXXX XXXX - I never received this paperwork. Third, the early buyout option as well as the nominal fee at the end of the contract suggests that this transaction is a credit sale instead of a leasing contract. As such, this appears to be deceptive practices by the company. Further, unlike a true lease agreement, I am responsible for all caretaking for the pet with no responsibility to the company. Another indication that this is a credit sale disguised as a lease. Lastly, a disposition fee for the puppy is already calculated by the company and thus is seems unconscionable for the company to have a predetermined amount for disposing of the puppy. I met with a XXXX Attorney with XXXX XXXX XXXX, XXXX, Florida on XXXX XX/XX/XXXX regarding this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
I have a Bank of America visa card. In XXXX of 2015, I reported a fraudulent transaction from XXXX. BOA quickly issued a new card and assured me the matter was taken care of. In XXXX 2015, I noticed the fraud charge was added back onto my account as a " fee. '' After calling BOA, I was informed this was the result of a computer glitch and had happened systemwide. I 've since called customer service three more times and have been told it could take months to resolve. Meanwhile, the charge remains on my account, meaning I have to either pay the fraudulent charge or incur interest on it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: CMG MORTGAGE, INC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Early last year I got divorced, and results of that occured a large loss of income. We were in the process of building a home, we had already invested quit a bit. A month after the divorce the home was ready, and I moved in. And with in a few months from that and all the the financial things that help make a home run smoothly, was getting less and less. I saw my self really needing help. I called my mortage company CMG Mortgage and was told the only way the could help I had to be 90 days behind. I didnt want to be behind thats why i needed help. Well eventually I did get behind and I started a modification apply, over a few months and submitting all the paperwork they asked for. The house went in active for closure, I was so dissatisfied. From submitting papers, to the Underwriters saying my package was completed on a Friday. To the very next Monday Foreclosure. I did everything I was asked. All paperwork was sent in a urgent timely matter. Presently I'm back with the Underwriters again, but I'm {$20000.00} in debt and very sad, nervous, anxious. Because I dont know which way to go. Ive put in complaints and never heard back from anyone from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My company had a benefits account with XXXX XXXX. I am a non-US resident, but have a bank account in the XXXX with another institution. After I left the company, I wanted to close down the account and transfer the funds to my other checking account. I was told that this was not possible due to a block on my account no one explained to me and that while a supervisor was not available to explain and that it will be resolved within 48 hours. Unfortunately, that was not the case and when I called 2 weeks later, I was told the same story again. this process has repeated itself multiple times and few months on, I still dont have access to the {$70000.00} in my account without the bank being willing to explain what the reason is, help me remediate it in any way or provide update as assured on every call I have with them. Overall, I have spent multiple hours on the line with ML, sometimes being hung up upon by the customer representative, all of the calls are recorded and I do have logs on my phone to prove the amount of time wasted. 

Further more, I was told by ML that there is no supervisor that can speak to me about this issue and that as a customer I have no option to escalate my complaint within the bank directly.

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 2022-03-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Experian 's client, XXXX XXXX XXXX XXXX ( XXXX ) loan was fraudulent due to XXXX. From the beginning XXXX was unlawful because they accessed my credit report without valid permissible permissible. XXXX based their permissible permission upon attached incomplete and undated application that even states incomplete applications would not be processed. But XXXX went forward with the fraudulent loan. I filed attached sheriff 's report but XXXX would rather deny and try to extort some payment from me as seen in attached settlement letter. Experian doesn't regulate and protect my information but just passes the buck on XXXX. Shame on XXXX and Experian.

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 2017-01-23
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
On XX/XX/XXXX Navient forced me to put my XXXX private student loans into forbearance, 2nd time. When I called to ask what kind of options I had, as I was down on my luck, they told me the only option I had was to put my loans into forbearance. I would have to pay {$50.00} per loan ( XXXX loans makes {$100.00} ) and I only had 3 months. After those 3 months I could either begin paying again or I could continue in forbearance for another 3 months. I was only allowed to do this twice. After 6 months I would begin paying my loans again. During the time of forbearance I would continue to accrue interest. Navient added capitalized interest of {$870.00} on XX/XX/XXXX and {$880.00} on XX/XX/XXXX for a total of {$1700.00} + {$200.00} ( Money paid to put loans in forbearance ) = {$1900.00}. Before submitting my complaint I started to look over my account. Let 's take a step back to the beginning when I began paying my student loans, on XX/XX/XXXX, I find out XXXX XXXX at the time, on XX/XX/XXXX, {$7100.00} of capitalized interest was added onto my loan. And then another {$2200.00} of capitalized interest was added to my loan on XX/XX/XXXX, that 's an extra {$9300.00} added to my loan before I even get started. When I first began paying my student loans ( XXXX total ) my payments were well over {$500.00} with interest rates as high as 13.625 %. It 's hard to make student loan payments that high with a culinary arts degree from a college that is no longer open or relevant. Per their website XXXX XXXX XXXX, XXXX XXXX XXXX is no longer accepting applications as of XX/XX/XXXX. I 'm sure you guys are real familiar with both Navient and XXXX XXXX XXXX as they have both been in the media, and I 'm sure I 'm not the only XXXX submitting a complaint on either of these companies. 
Over the past 13 years I 've had a total of XXXX different loans with sallie mae and navient combined, with interest rates ranging from 2.770 % to 13.625 % and payments ranging from {$400.00} - {$600.00} a month with no repayment options because navient wo n't work with me. I currently have XXXX private loans left valued at a total of {$47.00}, XXXX at 7.5 % ( variable ) and my estimated payoff date is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: ALLY FINANCIAL INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Me and my family have had severe cases of XXXX  XXXX we were off work an ally financial reported late pays after I notified them we were very sick .I was hospitalized for 21 days an my daughter has been in an out of hospital with covid an she is 5 months pregnant I ask ally if they could remove the late pays an I was told XXXX it will take 30 to 45 days it is 80 days later an it has not been removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was charged late fees when I was communicated over the phone that there would be no fees charged. Specifically, when I entered a special interest rate reduction program with Navient the customer reps told me that i should not make any payments because it would mess up me being approved for this special program. i told them multiple times my account shows delinquent the customer reps told me not to worry that the account would show normal once I entered this interest rate reduction plan. I call Navient to ask about these charges.I was placed on hold for extend amount of time and i was passed from customer rep to customer rep. Then i left a feedback vm that no one follows up with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I have had fraudulent activity where someone tried to apply for XXXX account XX/XX/XXXX and XXXX XX/XX/XXXX. My credit report is frozen, filed a police report, sent to TransUnion but they say the dont have it and wont remove the hard inquiries.

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 2020-04-20
Company: CHECK INTO CASH INC.
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I spoke to XXXX XXXX on XX/XX/XXXX. He stated that he was with XXXX XXXX, a company that is designed to help mediate between people that owe money to companies. He stated that I owed {$1400.00} to Check into Cash from XXXX and they were going to file Fraud and Theft charges against me if a payment was not made. He had my social security number, my wife 's name, and other information that sounded like it was a legitimate claim. He offered three different options to pay the loan off and I chose to pay using the third option which was a total amount of {$650.00} dollars. I explained to him I did not have a way to make the payment that day, I could call back tomorrow ( XX/XX/XXXX ) and make the payment. He suggested that I get a money card from XXXX to be able to make that payment. I went to XXXX to try to get a money card. There were none available. He told me that if he did not have a card on file, he would let Check into Cash know that I was not able to make payment and they would go forward with the charges. I asked him to please send me a copy of the debt that he has and he told me he could not until the transaction was finalized. He stated that he could push the payment off until the XXXX of XXXX if I gave him my card number and it would mitigate the charges Check into Cash planned on filing against me. I gave him my card number. He sent me to his supervisor XXXX XXXX. She reiterated the same information that he had given me and stated that if I called back XX/XX/XXXX with the payment they would be able to lower the payment. When I called to make the payment on XX/XX/XXXX, I spoke directly with her and I told her I could make a payment today and she put me on hold and immediately took out the full {$650.00} dollars. She stated an email would be sent to me verifying that the amount was paid in full within 24 hours. I never received an email. I called this morning, XX/XX/XXXX to see if there was an issue with the email, the number goes straight to voicemail then tells you the voice mail is full and there is no way to leave a message. The money was pulled out of my account on XX/XX/XXXX as going to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: CURO Intermediate Holdings
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filling a complaint against XXXX XXXX because they are attempting a that is I do not owe them. Account Name : AD ASTRA REC, Account Number:XXXX**. 
I would like for AD ASTRA REC to show proof of verification that I owe them {$850.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Central Portfolio Control Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have told this company before that this number is to NOT be called but yet they still insist on calling over debt I supposedly owe. This morning XX/XX/2022 at XXXX XXXX they called. I told the lady that I was on the do not call list and she was confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXXK XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX  XXXX bankruptcy discharged Reference Number XXXX Date Filed XX/XX/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 2017-05-28
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
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:
I am contacting you all because on XXXX2017 I paid a debt and the original creditor XXXX XXXX XXXX turned the payment over to collections and fraudulently provided LCA ( Lanier Collection Agency and Services, INC ) with my banking account information to take the money from my account instead of applying it to my account balance. I have included the certified mail receipt and copy of the authorization mailed to XXXX XXXX XXXX After that I waited for the debit to come through it was n't until XXXX/2017 that the debit came through but it hit as a charge from LCA. At the time I did n't know who that was until the bank told me. I then filed a complaint with my bank of an unauthorized transaction by this LCA, as I have no business with them nor have I ever heard of them. I sent authorization to XXXX XXXX to collect a debt and they did n't get it so I thought. So the bank refunded my bank account when I advised them of this. They told me they were n't able to stop the payment so as a result they closed the card associated with the transaction and paid this company who stole from my account because XXXX XXXX gave them my banking information. So on XXXX XXXX  2017 I paid the original creditor via bill pay sent by my bank as a check to settle the debt and again XXXX XXXX sent the check to LCA. I found this out when I received the check mailed to the original creditor in an envelope from LCA stating it is not acceptable as you will see in the documentation I 'm uploading. Therefore LCA is reporting inaccurate information to the credit bureaus in an effort to harm my credibility. I paid this account to the original creditor upon being notified of the balance. They maliciously sent the payment to LCA not once but twice in an effort to discredit me. It is n't right. LCA has already stolen from me and now they have the audacity to report a paid debt to an original creditor ( XXXX XXXX XXXX ) as a collection when they know this creditor actually gave them money for a paid account. I have never and will never do business with a collection agency because I pay my bills when I am informed of them. Plain and simple I knew there was a bill and I paid it and LCA has clearly violated FCRA regulations by reporting to a third party a debt they know is paid in an effort to assist XXXX XXXX XXXX with this fraudulent claim of debt. I demand that LCA remove this fraudulent and illegal information from my credit report. The account has been paid to XXXX XXXX twice and here is the proof sent to me by LCA from the original creditor. I have never had any business with LCA and will not. I 'm not liable for how an original creditor handle payments and aside from this LCA is reporting inaccurate amounts. I owed and paid {$94.00} to XXXX XXXX not the {$95.00} they are reporting.

Company response to consumer: Closed with explanation