BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card
Issue: Other fee

Complaint:
I was surprised to see a foreign transaction fee on my credit card statement as I had no foreign transactions that I knew about. I called FIA Card Services and was told XXXX of my transactions, through the XXXX, had been processed thorough a foreign bank. 
I called XXXX and was told that, yes, XXXX transaction out of my several purchases with them that day had been processed through a foreign bank. Others had been through domestic banks even though at least XXXX other was from a foreign vendor. The representative said he was surprised I had been charged a fee, but that it was my credit card company that had made that determination in error, not XXXX. 
I have bought and sold hundreds of books through XXXX and never once ( before this ) seen a foreign transaction fee. Oddly, he reimbursed the fee while saying the issue was with the credit card company. 
I called FIA Services again to see why the error had been made. The representative said XXXX had coded this as a foreign transaction from a foreign vendor, that they had not made any error. Then she also reimbursed the fee even though I said I was not asking for reimbursement, only to understand how to avoid foreign fees in the future when there was no process of notification that a foreign transaction fee would be assessed. She indicated there was no way to know. 
So my questions are these : Is anyone supposed to notify me that a foreign transaction fee is possible when buying from third-party vendors? How is it I can be charged a 3 % fee with no prior notification? Why is that my cost of business, not theirs? It seems to me XXXX has an obligation to inform me of an impending foreign transaction fee before the fact, not after the fact. Could you please explain how one is to manage this aspect of on-line business? Just what are the regulations pertaining to this? 
Thank you. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: Transaction issue

Complaint:
I got contacted by XXXX initially on XX/XX/XXXX. They said they would work on XXXX pages of existing website, do much XXXX, get sales, source codes, key words, get ranking and search engine optimization ( SEO ) all that for a fee and {$50.00} per month. The representative was very persuasive and said I needed their services in order to my online business be successful and make money. I ended up paying a total of {$5000.00} on my BOA credit card. I am disputing my charges because I was told I have 538 days. The charges were done between XX/XX/XXXX and XX/XX/XXXX. I would like to dispute all charges made by XXXX. This company took advantage of me and did not fulfill with their promises. I tried to contact them and resolve with them but never got a response. I would like Bank of America to investigate this merchant.

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 2017-01-25
Company: Navient Solutions, LLC.
State: CA
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:
Tried numerous times to consolidate loans, using foreberances ( Navient still withdrew money from my account, causing overdraft fees from my bank ) and the website is not very user friendly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Navient Solutions, LLC.
State: TX
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 wife and are both in repayment for our student loans. I am having problems with my loan servicer. My loan servicer is Navient. I have been trying to pay extra toward the balance of my loans, but I have had a problem getting Navient to apply these extra payments correctly. I would like these extra payments applied to the principle of the loan and not the interest, just like how my wife does with her loan servicer when she makes an extra payment. Navient claims that there is no way that this can be done. It is frustrating that I know it can, and I do in fact apply extra payments in this way with another loan servicer. I have contact Navient on several occasions to try and resolve this issue, however no resolution has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: CL Holdings LLC
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I keep getting letters for the past few years from different collection agencies on an account I closed 10 years ago. DOFD has been re-aged and I keep getting harassed. Current creditor is : Jefferson Capital Systems / XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX Nevada XXXX and Original Creditor is XXXX XXXX. 
I am also in the process of reporting them to the Federal Trade Commission ( FTC )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Rewards

Complaint:
Bank of America credit card promised in writing triple XXXX miles for credit card charges made from XXXX through XXXX 2015. I made almost {$10000.00} in credit card charges all of which have been paid based upon this promise. Bank of America refuses to honor the agreement even though I have submitted the confirmation email to them. They have wasted my time with circuitous to empty emails, phone calls and chat rooms. I believe they have misrepresented to induce more purchases. Thank you very much

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
As a XXXXNavient customer, I was advised to take out forbearance when I could n't make my student loan payments due to employment or hard times. I ran out of forbearance during the summer of 2014 due to this advice. When I began making student loan payments, Navient misallocated my payments and put them toward the interest instead of the principal and interest for my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Other

Complaint:
Eleven years ago I lost my job then had a problem with identity theft. I explained the situation to MBNA/Bank of America. I asked to use the insurance that I paid for and they told me I did not qualify to use it. Then they told me that since I was only making the minimum payments, they were going to up my APR and my monthly payments. They continued to increase these till my monthly payments were over {$2000.00}. I closed the account in XXXX, but continued to try to make some form of payment until XXXX. They continued to add interest after the acount was closed. They called me again in XXXX XXXX and threatened me. I told the lady that I did not have the money and it had been over 10 years and they could not continue to harass me. She said " That is not how it works and we can do whatever we want. '' I checked on the statute of limitations in the state of Texas and it is 4 years. They proceeded to write off the debt and file with IRS. This is not legal according to the Fair Debt Collection Act since the debt is way past the statute of limitations ( 4 years ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Rewards

Complaint:
Hi, This is XXXX XXXX. I am the owner of XXXX. 
6 month ago someone stole my reward check from Bank of America and deposited it to one 's own account in your bank. 
I called both bank dozen of times I could not receive my check but the copy of it. 
Bank of America called it is your responsibility to give my check back, and XXXX XXXX called Bank of America is responsible for this. 
It is not understandable that neither of bank can not solve or even help me to get my {$700.00} back. 
I understand customer, who is the thief for me, deposited my check to XXXX XXXX XXXX, but why not it is responsibility of XXXX XXXX XXXX? If it is not XXXX 's responsibility, tell me how to report to Bank of America so that Bank of America take the full responsibility and give my check back. 
I am attaching the letter that shows someone took my check and deposit to XXXX XXXX XXXX. 
Thank you. 
Regards, XXXX XXXX XXXX XXXX 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 2016-04-05
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This account was closed before XXXX 2016. This account was re-opened XXXX 2016 and not giving me accurate information to contact the creditor. Every time I call, I get nothing ; no office hours, no chance of leaving a voicemail and emails are not working either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received notification that XXXX medical collection accounts had been added to my credit file. I investigated the collection accounts with the credit bureaus and the collection agencies and found out that a mistake had been made and another person with the same name had XXXX medical collection account and had been mistakenly added to my credit file. During this conflict, I was trying to close a mortgage loan and because of this mistake, my closing date has been delayed and I have incurred additional fees to try and clear this up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: COLLECTION BUREAU INCORPORATED
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX of Idaho turned me into CBI for a {$100.00} debt that I paid on XXXX/XXXX/15. They have refused to communicate with CBI that I did, in fact, pay the debt, and CBI subsequently calls me weekly, and has now falsely reported to the credit bureau that I owe the debt. I have been in communication with both the provider of services and collection agency to get this issue cleared up, and the provider of services is refusing to communicate with the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I requested a copy of my credit report and found a court judgement from SLM Private Credit. I do n't know what this debt is for, and the judgement was placed in XXXX Court in XXXX which does n't make sense since I have lived in XXXX for the last XXXX years. I sent several debt validation letters to both Sallie Mae and XXXX to try to figure out what this is and if it was one of my school loans being serviced by both companies and I have yet to receive a response. I 've tried to obtain these records for about four months now and I need help because it is effecting my ability to get a job.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: SLM CORPORATION
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am a recent graduate of an Interpreting program and have currently begun working within my field. Accepting a position in my field resulted in a financial gap in my salary ( I took a XXXX % pay-cut from my last XXXX job ). Upon contacting my private student loan provider I alerted them of my financial change and requested other payment options. They refused to work with me in order to find a suitable repayment plan. I have been paying back my private loans since I was in college, never missing a payment, and their only solution to my financial situation was to allow my private loan debt to go to collections. I refuse to accept that they are unwilling to extend the term of my loans, making payments affordable for me. I understand fully that I am responsible for paying back my student loan debt and I am not trying to justify not paying what I borrowed. I am simply making a minimal ( entry-level ) salary and am need assistance on repayment plans. If my private student loans provider extended the term of my loans, my payment would become affordable. They have refused to do so because my total debt is {$2000.00} less than the acceptable amount of debt a borrower needs to extend payment terms. I graduated one year ago, and am finally perusing the career I dreamed of in college. Now my student loan providers have suggested I quit this job in order to work at a restaurant so I can make ends meet on an unfairly large monthly student loan payment. They are making it impossible for me to continue working in the field, that I went to school for in the first place, in order to obtain a higher paying job to pay them back ( at 10 % ) for the education I will not be utilizing. I ca n't believe that any student loan provider would refuse to give their borrowers alternative payment plans. I am simply looking for accommodation for entry-level salary borrowers that is fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Credit & Collection Recovery Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
A debt collection company Known as Credit & Collection Recovery Services, INC. also known as CCRS called me and was very rude and harassed me. The lady said her name was XXXX a case manager. They said I have XXXX accounts that I need to pay today or legal actions will be taken out on me including getting my local law enforcement involved. I just hung up on this call. The account number they did provide me is for XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: Sterling & Associates, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting calls from an XXXX XXXX at my place of employment. I have had no previous business with this person and have instructed them not to call me at work multiple times, but they do not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: CONTRACT CALLERS INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received four calls from XXXX, and they all follow a similar pattern. If I do not answer the calls then no message is left. On the occasions in which I have answered, there has been no response on the other end -- just silence. I have called the number back three times, and each time I was immediately directed into a generic voicemail box. There was no indication of what company was calling and for what purpose. Nothing in their contacts to me nor my attempts to contact them has indicated their purpose. The only reason that I know this number corresponds to a debt collection agency ( Contract Callers Inc ) is because of multiple online searches of the number. To my knowledge, I have never received any written communication from this company, and to this date I have no idea why they are calling me. The dates of the calls are as follows : XXXX/XXXX/16 ( unanswered ) ; XXXX/XXXX/16 ( unanswered ) ; XXXX/XXXX/16 ( answered, no response from the caller ) ; and XXXX/XXXX/16 ( answered, no response from the caller ). I have called the number on XX/XX/XXXX, and twice on XX/XX/XXXX with indication of who the company is, or why they are contacting me.

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
Consumer complaint received 2016-10-22
Company: STERLING JEWELERS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a phone call on XX/XX/2016 stating they had important information about my residence and they stated my address in their voice mail message. My wife, brother, sister in law and nephew all received phone calls today stating they have urgent and time sensitive information they are trying to deliver to me and gave a case #. The phone # they gave for call back was XXXX. 

I have never given this company or this person prior express consent. 

Their company website is found at XXXX Their contact information is given as follows : XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, California XXXX XXXX XXXX : XXXX Facsimile : XXXX Other addresses for XXXX XXXX XXXX include : XXXX XXXX XXXX , XXXX. 
XXXX XXXX XXXX XXXX, California XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Franklin Collection Service, Inc.
State: DC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
This item ( FRANKLIN COLLECTION SERVICES, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX ; XX/XX/2009, XXXX, ACCOUNT NUMBER : XXXX, INDIVIDUAL ACCOUNT, {$180.00} ) is inaccurate because Medicare-XXXX General Information : ( " XXXX. We are a doctor 's office and heard that we can not bill people with both Medicare and Medicaid, even if we do not participate in Medicaid. Is this true? 
XXXX. For services that are covered under Medicare, you can not bill a Qualified Medicare Beneficiary ( QMB ), even if your office does not accept XXXX. A QMB is someone whose income does not exceed 100 % of the XXXX XXXX XXXX and who is eligible for XXXX paying Medicare premiums, deductibles, and coinsurance for both Part A and B. 
Even if the person signs a document accepting liability for any treatment costs, you still can not bill them, as QMBs can not waive this right under XXXX. Providers who bill a QMB for costs above the Medicare and XXXX payments ( even when XXXX pays nothing ) are subject to sanctions '' ). ( XXXX ). I am requesting that the item be deleted to correct the information. 
Enclosed are copies of ( Partial XXXX Credit Report with item circled, ) supporting my position. Please reinvestigate this matter ( s ) and delete or correct the disputed item ( s ) as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: CFS2 Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I 've called back to have them stop and told them they are not allowed to call my employer. They repeatedly told me they do have a right to contact my employer. Refuse to stop contacting my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX, XXXX and SLS, Specialized Loan Servicing LLC, has hired an agent in a XXXX XXXX XXXX, WA license # XXXX, to take pictures of our home on a monthly basis. We have a motion sensor camera system that has documented this trespass monthly. This XXXX/SLS agent is doing so by coming down our private road without our permission. XXXX/SLS is now notified that they, or their agents, do not have permission to travel on XXXX XXXX. XXXX, XXXX, WA XXXX on foot or in any vehicle, as it is a privately owned and clearly marked PRIVATE ROAD. We demand that XXXX SLS, and their agent, XXXX XXXX cease and desist from this trespass on private property and harassment and STALKING of XXXX and XXXX XXXX .

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: Navient Solutions, LLC.
State: OR
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 went to the XXXX XXXX and because I got an XXXX degree and is not a XXXX degree from an accredited XXXX year college I ca n't find a bank to refinance my private student loans. I have XXXX private loans which range from XXXX, XXXX, and XXXX interest rate. It has been XXXX years since I graduated and because of financial hardship a few years back, most of the loan principle balances are more than I originally borrowed.

Company response to consumer: Closed with explanation