BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: GA
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 am a cosigner on my daughter 's student loans. As outlined in the pending suites we have been victimized by Navient 's unfair, deceptive and predatory business practices. On numerous occasions Navient has not been helpful in trying to resolve issues and, as noted in the various government complaints, tried to steered us into more costly forbearance. There have also been instances where monies have been misapplied to loans. I have been trying to work out a plan of action to get current with Navient but have encountered resistance at each turn. I also feel i have been outright lied to concerning information on payment postings.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I had a balance of {$2700.00} with american Express. It was paid in full on the due date.. Now I received a bill of $ XXXX.for interest. I called them and they contend this is a legitimate charge. because I had made minimum payments in the past. If the balance is paid there is no interest!!! I have paid other cards off in a similar manner and not received a interest charge. I would like to see AMX fined for this and my charge waived. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: ENCORE CAPITAL GROUP INC.
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt is invalid ... either it was already paid or it is far beyond the statute of limitations and yet they continue to send us letters trying to collect a debt that they are well aware is too old to collect. There is a disclaimer statement in the letter itself, but they are trying to trick us to renew the debt and I still see this letter as unethical and harassing. I have no idea how they even got my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02
Company: EQUIFAX, 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 information incorrect

Complaint:
I asked them to provide anything to me showing that I applied or signed anything with this company. They keep coming back to me stating that the account is correct. Please show me your proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX bought XXXX charged off hsbc nevada credit card accounts. They then began to report them as current debt on my credit reports, I have never been sent anything from them and would not have even known they were being reported on my credit reports unless I hadnt gotten a copy of my XXXX reports. I disputed both accounts as old debt but my dispute was denied. I have never seen anything from XXXX that I signed nor, any correspondence from them regarding these XXXX old hsbc nevada credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Spoke with a random Beneficial HSBC mortgage agent on the phone on XXXX/XXXX/2015 to ask about a reduced interest rate for my mortgage, yes we can do that. Received letter dated XXXX/XXXX/2015 offering a Loss Mitigation Application trial period. If I were to meet the XXXX payments in the trial period, my loan interest rate would be reduced to 8.422 % and a reduction of {$170.00} in mortgage due per month. I called the number on the letter and asked what is the catch? No, catch, we want to do this for you. My gut said something was fishy but I wanted a lesser interest rate and monthly payment, I paid the three month trial period. When I finally got the actual paperwork on XXXX/XXXX/2015, it was too late to back out, if I did, I lost the three months that I have already paid, which they would not apply to my mortgage, meaning, I was paying XXXX each month for XXXX months. What I thought was too good to be true, was. During this time, my mortgage specialist agent was switched to a different woman. She was extremely defensive, stating that she was just doing her job. Another red flag. 
Now, I have another negative reporting on my credit rating, Beneficial has the Deed-in-Lieu of Foreclosure on my house and will send me a XXXX for XXXX for the 2015 tax year. I signed the papers and returned them because I could not afford to pay three months mortgage XXXX. I am mad that I was taken advantage of. Yes, I should have had a lawyer look at it for {$250.00}, that is my error. I would like to have this corrected and stopped so that other people like myself, hardworking, just trying to make ends meet and have the XXXX dream of owning a home and making an honest living do n't have to have the stress and anger that I experienced with Beneficial. 
I have all of the paperwork and names of the persons that I spoke with at Beneficial that show every step of the way. 
Thank you for your assistance with this. I hope that my story will help others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized inquiries from experian. Under section 604 you have to provide physical evidence of me authorizing these inquiries. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX must be 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 2016-11-08
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I was issued a refund for some gifts i recieved as a house warming gift on XXXX/XXXX/2016 onto my temporary american express serve card ending in XXXX the merchant released the funds two days later and XXXX has refused to realease the funds back to me it is now XXXX XXXX and i have yet to have access to my funds i was promised a resolution by XXXX XXXX th and still nothing! I would like to expell all my funds and close this account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: ENCORE CAPITAL GROUP INC.
State: ND
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
The company is XXXX and XXXX, a debt collector. They took over the account I had with XXXX -- that was sent to Midland Funding. The original amount, according to my credit report was {$3200.00}. I paid XXXX payments of {$100.00} to XXXX. When I called them the week of XXXX XXXX, the representative was very rude. Told me the balance was $ XXXX My payment had stopped on XXXX of 2015 -- I have written proof of payments from my Credit Union XXXX According to the balance, they have issued unauthorized charges of interest of approximately {$1000.00}. I told the representative, XXXX, that I intended to dispute this, and he told me I coul n't dispute it. I believe that they have made unauthorized charges unfairly to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I have a credit card from XXXX. The card fee is $ XXXX/year and starts on XXXX. On XXXX I received notice of the renewal. I asked for a card with a lower fee. It was {$49.00}. They issued the card and I paid {$49.00}. They applied the {$49.00} to XXXX to XXXX but never cancelled the {$90.00} charged. They continued to bill me {$41.00} ( $ XXXX- {$49.00} ) and objected each time for 3 months. Then I found that they reported the past dues to the XXXX credit bureaus so I relunctantly paid them the {$41.00} plus XXXX late charges totalling {$4.00}. 
They refused to reduce the {$90.00} fee to {$49.00} because they think the contract permits them to charge {$90.00} if you do n't notify them before the renewal that you do n't want to pay the fee. '' The contract with XXXX states " The annual fee is scheduled to be assessed before you begin using your card and will reduce the amount of credit you initially have available ''. This statement is illegal in California pursuant to the California Automatic Renewal Law, California Business & Professional Code 17600. 
This law states " a company must provide a consumer with a written acknowledgement including the uatomatic renewal offer terms, a description of the cancellation policy, information on how to cancel ''. This was NOT provided, nor did their text referring to renewals comply with Section 1760 ( c ). 
I would like my {$45.00} refunded and more importantly, instructions given to each credit bureau that there was no past due. 
i am enclosing pages referring to XXXX, and the XXXX terms and conditions which plainly does not set out the renewal terms in compliance, and note particularly that bold print appears in many places on their instructions but not where they discuss renewals. 
In addition, in XXXX ( XXXX, XXXX was sued for charging the members credit cards or the members account with a third party for an automatic renewal or continuous service WITHOUT FIRST OBTAINING THE MEMBERS AFFIRMATIVE CONSENT TO THE AGREEMENT containing the automatic renewal offer terms.

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 2017-01-20
Company: Navient Solutions, LLC.
State: CO
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:
I have attempted to contact Navient multiple times to change the amount I pay each month regarding my school loans. XX/XX/2016 I took a paycut of about {$20000.00} in income. Since then I have been struggling to make my payment each month and since I am on a income based payment plan I have tried to update my income with Navient. Each time I call in the say they will send an email with instructions on how and where to adjust my income. The email I receive does not show me where I should go on their website and takes me in loops when I follow the instructions provided in the email. Therefore, I have been late on other bills and payments to other institutions since my school loans are pulled automatically and I ca n't afford the amount I pay each month. Contacting Navient has resulted in the same email with no help from whomever I speak on the phone with. I have given up on trying to contact Navient and am attempting to struggle through each month. 

I also have difficulty understanding the amount I am being asked to repay. When I have called in to Navient, the customer service reps have been unable to explain why different loans have different rates. I feel as if the people working with Navient are not versed in the basic information I need to answer the questions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written to Bull City Financial Solutions several times trying to get them to verify the debt collections listed below and they have yet to do so. I have also sent three letters to them form the original creditor stating that these accounts were placed in error and for BCFS to remove them immediately and that to has not happened. Enclosed you will see all of the letters. 

Account # XXXX - {$370.00} XXXX - {$280.00} XXXX - {$370.00} XXXX - {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Santander Consumer USA Holdings Inc.
State: TX
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   " reaged '' an existing debt I had with  XXXX  on a repossessed vehicle. They are showing that the repossession happened this year when it was in fact years ago. I have had no contact with this company, nor have I agreed to pay anything towards this debt so the account legally can not have the clock restarted, so to speak.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I XXXX XXXX make a claim with the Consumer Financial Protection Bureau ( CFPB ) that the following attached attempt to collect a debt is highly fraudulent. My personal information is being floated in what is known in the debt collection business as a " debt Pool '', whereas collection information is outdated and not even enforceable. The attached collection from XXXX XXXX, XXXX does not state that the debt is no longer enforceable, a stipulation by the Federal Trade Commission. The method of an illegal posting of a collection on my personal credit report, or an illegal collection against my rights of the Fair Debt Collection Practices Act can not be tolerated. In Federal Trade Commission v. XXXX XXXX XXXX, XXXX ( 2009 ) the federal district court decided in favor of the Federal Trade Commission that a collection agency must operate within strict guidelines in the collection of a debt. The criteria are as follows : 1 ) The debt must still be enforceable within the state of procurement or where the original obligator resides, or a combination of both. 
2 ) The debt collector must be licensed and bonded if applicable within the state in which it is trying to collect, if the debt is collectable. 
3 ) The validation of debt ownership must be proved, without exception. 
There is no statement on the attached collection that the debt is no longer enforceable. The collection agency stipulates that Bank of America obtained a judgment against me. By legal mandate, the docket number of the judgment must be listed as well as what county clerk 's office the judgment is filed with. In this case, there is no judgment. The statement saying " This judgment may be forwarded to an attorney for execution '' is a complete falsehood. There can not be a lawsuit as the legal time limit to enforce a summary judgment action has passed. 
Even though the collection letter states that illegal, abusive, deceptive and unfair debt collections are illegal, this collection in its entirety is just that, a deceptive illegal attempt to collect a debt that is no longer enforceable. 
I demand that all my information be purged immediately by XXXX XXXX, XXXX and Bank of America, and that the Consumer Financial Protection Bureau ( CFPB ) take the necessary steps to sanction both companies for using such abusive collection tactics.

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 2017-01-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I Called Navient early last year, and let them know my situation abut repayment. They told me that I did not qualify for a forbearance because i had already done it 3 time and was n't allowed to do it anymore. Then, they told me in order to get any help with repayment, I had to be past due at least 3 months. When that happened, they were able to adjust my interest rate down to 3 % for 1 year, which i thought was fantastic. But what i did n't realize was that after the 1 year had passed that my interest rate was going to be higher than it ever was at 9.5 % and it was going to keep getting higher each month after. They have no explanation as to why they did this. All of my private loans are currently set at 9.75 %. I feel as though something else can be done as I will never be able to pay more than minimum at this rate and it will take me longer than ever to repay these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I have tried everything, I tried everywhere, I still see no results. I am a victim of the XXXX data breach and a victim of identity theft. Its been well over 3 months now and still i have not gotten any answers or solutions to my problem. These accounts are not mine! I need them removed ASAP. I attached all of my letters/attempts to this complaint for proof.

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 2021-07-03
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Approximately two weeks ago, I had received correspondence from American Express inviting me to apply for the AMEX Gold Card by XX/XX/2021, and offering me a substantial bonus of points if I did so. I understood this to be a pre-selected pre-qualified card offer, given the bonus points that were being offered. 

I applied for the AMEX Gold Card shortly thereafter but was denied. I applied for the AMEX Plum Card ( which has lower qualification standards than the Gold Card ), but was also denied. A couple of days later, I was sent correspondence stating that the reason my card application was denied was due to risky credit factors ( generally ). 

-- I am asserting that American Express sent a promotional offer/solicitation, for which it had no desire to follow through on. I am summarizing the aforementioned assertion as a 'bait-and-switch '. 
- The general risky credit factors that were AMEX 's reason to deny me the card, were already known to AMEX prior to me filling out the card application. Additionally, I already have an AMEX card ( secured ) ; due to this, American Express already has more details about my credit file than a 'potential customer '. 

-- American Express 's expected rebuttal of 'all credit applications are different ' is also countered, by stating that it is American Express that sent the solicitation to apply for the credit/charge card. It is American Express that pushed an 'urgent deadline ' to receive points, and it is American Express 's mailer/solicitation which did not contain any information indicating that the solicitation was a general-purpose solicitation or that credit was not likely to be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This is my second complaint regarding an issue with Bank of America. I was not able to log in to check the complaint status or add more information. My 1st complaint # was XXXX As stated in that complaint it looks as though my doubts regarding BOA 's veracity were confirmed. After not receiving my new credit card and my refund in the timeframe promised by XXXX in the fraud dept. @ XXXX I made a second call to the same dept. and spoke XXXX on XX/XX/2015 She looked up my claim and said that it had been withdrawn. I asked by who and she could not tell me, only stated that it was an oversight and she would correct it. I am livid that a BOA agent supposedly working on customers concerns would intentionally mislead and lie to those customers. XXXX took all of my information which took putting me on holds for a total of XXXX minutes, assured me my credit for a fraudulent charge would be credited to my account within 24 hrs and a new card would be in my hands within XXXX hrs. It looks as though the minute she hung up she intentionally and with malice withdrew the entire transaction. After speaking with XXXX who assured me of the same timeframes I DID receive my new credit card but have NOT received my promised credit. Can the CFPB help me before I have to pay a lawyer to file suit against BOA, which I should not have to do. At this point I am looking at BOA as if they are furthering the fraud that put me in this position to begin with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have files several complaints nd have not Been answered in a satisfactory manner by Wells fargo. Pls call me At XXXX. I have sent them transaction records and a copy of all bank statements to Wells fargo and Thy found XXXX errors but Did nothing To correct them. If I. Any find help from your organisation then I will need To take them To court again. I took them To court in XX/XX/XXXX and XXXX never followed The court judgement. Thy have Also never called me and apparently now XXXX have put mh house in dore l'osier as of XX/XX/XXXX with out dvising me. Thy have dfidThe court judgement a and I dont understand How XXXX can legally do this when I took them To court and won. I Will Also be in contact with The judge on my case. Wells fargo go es you a reaponse that rhey think you want To here and never take Care of The questions on hand. Pls call me At XXXX so we can discuss. XXXX have failed To report and apply all of my payments which have Been made on Time. 

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