BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-29
Company: Navient Solutions, LLC.
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have been contacting Sallie Mae and XXXX to try to determine who much I paid in total to my student loans before consolidating. They are only able to tell me the amount I paid towards my Dept of Education loans. They can not tell me the amount for the loans that were strictly Sallie Mae. I find this unacceptable and a testament to how fraudulent Sallie Mae and XXXX are as a company and student loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: I.C. System, Inc.
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
IC systems along with XXXX XXXX XXXX are threatening a court action on a debt that is from 2001. It is from a XXXX account that IC Systems have just recently put on my credit report as a new debt. They have started to call several times daily from different parts of the country and with threatening phone calls to take me to court. I believe through research that this is a scam on old debts that have been deleted. I want this off of my credit report along with them being told to stop harassing me. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XX/XX/XXXX I sent a dispute letter to Equifax regarding XXXX and XXXX. The Bureau received my dispute on XX/XX/XXXX and was verified by the US postal service. The bureau failed to respond to my dispute within 30days and they were unable to verify the collection accounts as required by the FCRA. the Fair Credit Reporting Act, 15 U.S.C. 
I asked the credit bureau to send me any documentation they had on file verifying that these accounts belong to me. I have no knowledge of these accounts. On XX/XX/XXXX, I contacted Equifax for and spoke with XXXX ID XXXX Supervisor of the dispute department. She told me that Equifax did not collect or retain documentation of the information they received to verify that the debt belong to me. The collection agencies wanted me to call to verify. These items should be removed and Equifax should be fined for reporting inaccurate information and not properly documenting account. 

Credit reporting have a duty to verify and report accurate information. These account should be deleted immediately per the letter I sent on XX/XX/XXXX. Equifax has not responded in a timely manner and can not prove that the debts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX transfered my service after I finally got a fee removed that was waived in XXXX. It took nearly two years of arguing back and forth. Now Seterus has my loan staring XX/XX/XXXX. Once again they are not only recharging same fee but added house preservation fees. XXXX fees XXXX for XXXX and ond for XXXX. They have me as asking for modification which I did not. I have no access to my loan. They have hung up on me serveral times. XX/XX/XXXX I called and the automated line said it was temporarily closed? They say they removed my request for mod? I never said I was in a hardship. And my modification incentives are not found. All fees are for sMe date XX/XX/XXXX. I had a previos complaint with XXXX on tnis site for same issue. This fee is on my loan tax form as waived. I contacted XXXX and they said it should not be ghis fee was waived on there records when loan was transfered. Three years of ongoing problems. I think there trying to push me out of my modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX, XXXX and Account # XXXX, have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following information : Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Webcollex, LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have received several phone calls at work and my work has been contacted by the company for employment verification. I have spoken to CKS and asked that they not call my work but rather my personal phone number. They also continue to call my family which I have asked they discontinue doing as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-04-26
Company: PLS GROUP, INC
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
In XXXX of 2014 I took out an auto installment loan at PLS. I have been making biweekly payments ever since. Within the last XXXX6 months new management and employees have come in and it seems that they do not note properly in their notes while doing collection calls. The phone calls are not only to myself, but my references as well. I am being contacted about XXXX5 times a day and am also left XXXX voicemails from the employees. I have communicated my issue three times now and nothing has been done.

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

Complaint:
I have an account with navient that I am not aware how I got with this company. I was not made aware that the company of which navient bought my loan from was taking place. It says that I owe {$31000.00} which can not be true and that my highest balance is {$19000.00}. This company has cheated struggling borrowers out of their rights to lower their payments " through shortcuts and deception. '' I have had several student loans obtained when I went to school at XXXX College in XXXX, CT. It says this loan was opened XXXX XXXX, XXXX. I do not know how this is possible when I XXXX in XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: JPMORGAN CHASE & CO.
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I sold my Lexus RX350 via XXXX to a person claiming to be XXXX XXXX. This person sent a cashiers check directly to my loan and title holder JP Morgan 's Chase Auto Finance. The cashiers check was received by Chase on XXXX XXXX, 2016. The name on the check was XXXX located in XXXX, Arizona. I called Chase almost everyday to be sure the check cleared. I called Chase Auto Finance a total of 21 times between XXXX XXXX to XXXX XXXX. They assured me that the check had cleared 3 straight days. The day I released the vehicle I phoned Chase at XXXX and spoke with XXXX XXXX. I asked again, has the check cleared? He said YES, I asked if the lien release had been mailed out? He said YES, I asked if I am at any risk for releasing the vehicle to the buyer? He said NO. I have a copy of the lien release signed and notorized by Chase XXXX XXXX XXXX ( XXXX XXXX Sr. Specialist ) and Notary XXXX XXXX ( State XXXX ) dated XXXX XXXX, 2016. The auto was released on XXXX XXXX, 2016. I also have a letter dated XXXX XXXX, 2016 stating that the loan had been satisfied signed by XXXX XXXX XXXX, Loan Servicing Specialist. I have since learned that the cashier 's check received by Chase XXXX had been returned. Chase is insisting that I continue to pay on my original loan that they have released me from. I believe I am no longer responsible for payment on a loan they have released me from. I also believe, that they must make a procedure change when dealing with a loan payoff and that they do a better job of protecting the customer from financial fraud. I am currently working with XXXX XXXX at the XXXX Investigations office in XXXX. I have a picture of the man who signed the Bill of Sale and a release of liability form. I was contacted by the gentleman named XXXX who purchased the vehicle from the thief alias XXXX XXXX stating he had purchased the vehicle in the XXXX area for considerably less than ( {$11000.00} ) I sold it for ( {$25000.00} ). I sent the picture I have of the thief and he confirmed that he is the same guy that he purchased the vehicle from. The investigator was able to contact a XXXX area Police Investigator who was able to identify the man. The XXXX Police Investigator was also able to contact " XXXX '' and obtain his full name and address. The only reason this fraud was able to take place was because of Chase XXXX being careless in their handling of the check and its information provided to me stating the check had cleared, the lien release was mailed out and that I was at no risk releasing the vehicle. I am requesting that I should no longer be responsible for the original loan I was released from. Please help. I have done all that I could to prevent this fraud from taking place however Chase Financial has not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
This account was closed on XXXX/XXXX/11 want to be removed from my credit it 's already more than 4 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient is reporting false information and is not responding to lawful request to investigate : Navient did n't respond to my direct certified mail complaint ( signed recieved XXXX/XXXX/16 ) of reporting false information on my credit reports. Navient did n't record my dispute in my Navient account or notify credit bureaus of the dispute. Navient never notified me of negative information at any point. When first contacting Navient by phone, Navient admitted having no record of notifying me of anything when I informed them my Federal Student Loan had been in deferral at the time they are reporting me as delinquent. On that call, they did admit the records were very old and incomplete. They said I 'd have to send them a written dispute via US Mail, which I did as refereed to above. Note : I had disputed this first with all XXXX major credit bureaus and found that the false info came back as " Verified '' by Navient. I then emailed and called Navient for help and then ultimately ended up sending the dispute by US mail per their insistence that the phone call and email disputes would not be accepted by them. It is now XXXX/XXXX/16, I have not heard from Navient and the credit bureaus have again " verified '' the false information with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Allied Collection Services, Inc. (Nevada)
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been struggling with an account that appeared on my XXXX  and XXXX  credit report that is not mine. Original creditor ( XXXX XXXX ). I have disputed this account numerous times and It keeps coming back with different collection company names. I do NOT own this account. I have never owned a XXXX account in.my life. After talking to XXXX  it was recommended to me to file a claim with the FTC to get this problem resolved ... I have tried contacting the collection company Allied Collection SE and have filed 2 disputes but I never have been able to get a hold of them. So please help I do not know what else to do.

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 2015-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
On XXXX/XXXX/15, I received an e-mail statement from Bank of America 's Online Banking, stating I have a payment due on XXXX/XXXX/15 for {$99.00}. On XXXX/XXXX/15, the same day I received the email statement, I made the payment of {$99.00} and it posted to my account on XXXX/XXXX/15. 

On XXXX/XXXX/15, and on numerous dates thereafter, I contacted BOA via chat and telephone, to inquire as to why it was still showing that I still had a payment due on XXXX/XXXX/15 for {$99.00}. I was informed that BOA was making changes to their Online Banking system and that I need not worry and my {$99.00} payment on XXXX/XXXX/15 will be applied to the XXXX/XXXX/15 due date. 

On XXXX/XXXX/15, I noticed that my account was past due, there was a new payment due immediately for {$98.00}, a {$25.00} late fee for payment due, my card was blocked from use and my credit line was decreased from {$10000.00} to {$8900.00}, as a result of this " delinquency. '' All of these penalties occurred without reason and prior notification to me. 

On XXXX/XXXX/15, I contacted BOA via chat and telephone and after research, it was discovered that it was bank error that my payment for the XXXX/XXXX/15 due date was incorrectly applied in the system and therefore, I received a {$25.00} late charge adjustment. I was then informed that this matter would be immediately rectified and the new payment due immediately for {$98.00} would zero out and I would only have to pay the XXXX/XXXX/15 amount due of {$120.00}. 

On XXXX/XXXX/15, I noticed that my account was still past due, and now I owed an amount of {$220.00} by XXXX/XXXX/15 ( $ 98+ {$120.00} for XXXX ). I contacted BOA again via chat and telephone and again, was advised this would again be immediately rectified. Not trusting BOA after false information was previously provided to me, I paid both the {$98.00} and the {$120.00} to have my account placed back in good standing, even though it was in good standing and always has been. 

On XXXX/XXXX/15, I contacted BOA via chat and telephone and inquired again as to why this has n't been rectified and more importantly, to request my previous credit line of {$10000.00} be RESTORED, since the reduction was a result of BOA incorrectly putting my account in delinquency. I was advised that would be impossible without running a new credit report and I declined. I DID NOT REQUEST an INCREASE in my credit line, I requested my credit line be RESTORED, due to BOA 's error. 

Not only did BOA misapply my payment, I had to pay a new payment due immediately for {$98.00}, a {$25.00} late fee for payment due, which was later refunded, my card was blocked from use and my credit line was decreased from {$10000.00} to {$8900.00}, and the refusal to RESTORE it, as a result of BOA 's error, is appalling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/XXXX, we deposit a check in my account for {$2800.00} after calling the bank it originated from and verifying it 's legitimacy. On the day we deposited the check, our bank locations system happened to be down so we called to get an update on the status of the check. The Bank of America rep told us they would release {$100.00} on XXXX/XXXX/2016 and the rest once the check has cleared. The entire check cleared the next morning so we called back and the rep told us it takes 3-5 days to clear and the bank could still pull the funds until then. We called back a few times and were told the same thing by different reps for the first week. The following week, a female rep informed us that it actually takes 10 days to clear and the funds could be pulled back until that time. The last rep we talked to told us that the funds had been cleared by both banks and that there was no way either bank would come back after that period of time stating the check was n't cleared. We waited until XXXX/XXXX/2016 to use any money from the check. On XXXX/XXXX/2016, I checked my bank account and it showed they were pulling the funds back out of my account and my account was now negative almost {$3000.00} from the check being pulled back and our cell phone bill still processing. The only thing it showed on my online banking account was debit/hold for {$2800.00} on XXXX/XXXX/2016. I called customer service and spoke with a man who said he did n't have any explanation on his side as well and put me on hold to get his supervisor. Neither could tell me what was going on and stated that the only thing they could do is submit the charge-back for review as high priority but I would still need to find another way to be repaid ( wire transfer, money order, etc ) for the funds that were pulled back out of my account. I do n't understand how anyone can pull funds that were verified by both banks and cleared over two months ago. We verified the check with the original bank and called Bank of America almost everyday to verify the check had cleared before we touched any funds from it. No one has an explanation and I 've been getting the run around from Bank of America since we deposited the check back in 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 monetary relief
Consumer complaint received 2015-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America has an established policy of charging {$100.00} for a legal order. That includes any request from an authorized agency to debit, freeze, withhold, or otherwise place a limit on an account. I know about this policy and I know I agreed to it. I still think it 's outrageous and excessive. 

I was recently charged {$100.00} because the State of California requested a debit on my account for {$100.00} for state taxes owed. Whether I owe this amount or not is not Bank of America 's concern, and I certainly expect the bank to respond appropriately to authorized agency requests. What I have a problem with is the {$100.00} fee. That {$100.00} has nothing to do with the State of California ; it 's purely the bank 's policy. It 's ridiculous for the bank to charge {$100.00} when it 's almost certain that no human being had any part in processing the State of California 's request. It 's substantially more offensive than the {$35.00} fee they charge for insufficient funds ( which again, no human being had any part in processing ). At least for insufficient funds the bank has a legitimate problem with the customer. But the {$100.00} legal fee? Bank customers are basically being charged for a few milliseconds of computer time. If the account has the funds to fulfill the agency request, why is the bank charging a fee? What is it for? Just an extra opportunity to really stick it to the customer? 

I called the bank and their representative said that there was nothing he could do about the fee, since it was in compliance with bank policy. Yes, it 's bank policy. I get that. I 'm not stupid. But I can promise Bank of America this : I will absolutely file a complaint every time the bank charges me a disproportionate fee for a service that essentially costs them nothing. I will file a complaint every time the bank charges me a fee that clearly impacts low-income individuals disproportionately more than high income individuals. I will not choose the " tell a story '' option. I will file a complaint. At least then the bank will be obligated to have a human being personally respond and mail me some dead tree correspondence, and I 'll get my money 's worth for all the fees they charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Navient Solutions, LLC.
State: FL
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 was working for a not for profit XXXX since XX/XX/XXXX. In XX/XX/XXXX I was informed after making phone calls to Navient that some of my student loans did not qualify and I would need to re-consolidate. I have been on IBR since XXXX. When my loans were consolidated in XX/XX/XXXX, they did not put me on an IBR with the information that they already had from my application in XXXX, they put me on an extended service plan. Not until XX/XX/XXXX when I resubmitted by annual IBR did my payments start qualifying. So now I have XXXX sets of student loans ( {$80000.00} ) with 28 qualifying PSLF and XXXX sets of student loans ( totaling {$150000.00} ) with only XXXX qualifying payments. Navient at NO TIME told me that I needed RESUBMIT my IBR which they were well aware that I was already on after my consolidation.

Company response to consumer: Closed with explanation