BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
After graduating in XXXX with an XXXX, I had {$12000.00} in loans from XXXX. I was granted a year of forbearance while I looked for a job in the XXXX. Along the wy, I dived into enterpreneurship and tried o get a company off the ground with XXXX former XXXX classmates. Again.\, I approached XXXX XXXX for another forbearnce qwhile i tried to raise capital for a startup. I was out of work for two years. At the end of XXXX, I backed out of the startup company and worked at a XXXX company. My annual salary was {$17000.00} gross income.My XXXX XXXX account was taken over by a collection agency XXXX XXXX from Minnesota. XXXX told me that I had to pay off a reinstatement fee to avoid default. I called XXXX XXXX and they confirmed I was passed on to collection and that my account is now managed by XXXX. I followed through for ten months to payoff the reinstatement fees ( about {$1000.00} ) to avoid default ), then registered on the XXXX XXXX website to start making online payments and collect notifications via paperless. Upon opening the account, I see in red highlights that I had a minimum due of {$2000.00} + ( an accumulation of non-payments and late fees ). I was alarmed and upset that I was fooled to think that I could make minimum monthly payments of XXXX ( which is what I could afford with my cost of living situation ). Instead, I still owed a enormous payment and even deeper in debt. I wrote to XXXXNavient and sent an email for advice and help ; no response. I called and was put on hold for 10 minutes then lost contact. Sheer frustration and anxieties. I have lost hope and decided that I will pay what I can monthly and ignore the red highlighted minimum due of {$2000.00} in perpetuity, Navient now has taken over my account which has ballooned to about XXXX.Unlike Federal loans, I provided proof of income-depraved with my income tax returns to EdFinancial and have benefited on the Income Driven Repayment Plan. This made sense for people like me who want to pay based on the living wage, and not be penalized exorbitantly. The New York times article on NAVIENT lawsuit inspired me to tell my story and share the uphill daily struggle with financial institutions. I surely wish that there is hope for a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice in the mail from XXXX XXXX XXXX XXXX. Attempting to collect a debt of {$670.00} to Synchrony Bank, for my Paypal account. I have contacted Paypal and Synchrony Bank. Both agree that I do not owe any such amount for any paypal credit ( billmelater ) account because my application was declined.

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 2017-01-20
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have several thousand dollars worth of student loans that I have been trying to pay for over six years now. Monthly, it can be hard to make my almost {$200.00} loan payment on top of my other expenses. Even though I am a hard-working woman that help support my family, I still find it hard to financially meet our needs especially with high payments like my student loans. When I tried to apply for an income-based payment plan, I was put on forbearance for four months, which I greatly appreciate it because I was not able to make my payment in this timeframe, But I was not told that this would negatively impact my credit score and that I would continue to collect interest on those loans. When my application finally went through, instead of my payments being lowered they increased over {$100.00}. Making my monthly payment almost {$400.00} a month. I called the customer service line to discuss my options and I was told that because I made too much money I did not qualify for a repayment plan, the only thing that this organization would do for me is to put me on forbearance. I am currently still on forbearance until I can file my XX/XX/2016 taxes showing that my husband and I are filing married but separate in order to be able to get My payments lower. This system makes sure that people that try to better themselves by getting an education are stuck with crippling debt for years to come, with no way of getting ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Submitted request for modification and mortgage servicer didn't process with loss mitigation correctly.

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 2016-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
In XX/XX/2012, when mobile deposit was taking off, I was a customer of Bank of America with XXXX checking accounts and XXXX savings. I was using the mobile deposit service and followed all instructions of taking the picture of my check and had a few incidents where the check never deposited. I went into the branch on XXXX NC and was told by a Personal Banker that if the check did not deposit via mobile, just put it into the ATM. I performed this action a few time subsequently. In XX/XX/2012, I awoke to find all my accounts were closed and they stated I committed fraud. When I informed them that I was following information that their banker provided, they stated it was not their issue and my accounts were gone. Since 2012, but they have refused to assist.

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 2016-05-28
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
XXXX XXXX XXXX XXXX Begin forwarded message : From : XXXXXXXXXXXX Date : XX/XX/2016 at XXXX EDT To : XXXXXXXXXXXX Subject : Complaint I had applied for a loan XX/XX/XXXX and was told that they could not approve me until I cut some of my debt down and they recommended that I speak to one of their credit counselor for additional assistance. I got some of the debt paid and also was at that time was in a court process for a company to get that balance off that I did Not agree with. After that I applied for another loan XX/XX/XXXX and got denied, I was confused. So I applied for another loan and was again denied, I called the contact center on XXXX and was asked why was I denied because I knew I got some of my debt down. The First Lady I talked to started reading off some of my credit report and this credit report was very different from my current one, come to find out they were using my old credit report started by the representative. She pulled my new report and sent it to a lender officer and approximately 2 1/2 hours they called back and basically said that I was denied because my credit report was different than the old one that they were using!!! ( Really ) .... So I said my farewell to that representative and called back an hour later to speak with another lender why I was denied a small loan. He preceded to say after he pulled up the notes, my current credit report and application stated that he was just as confuse as I was. He stated he was going to contact me back after he spoke to the agent who declined my loan. I received a phone call from supervisor who informed me that I was denied because of a 1. late payment on a secured salary advance loan, that is secured by my deposit and the only reason why I was late due to the fact of sickness and was out of work, but if that was the case they would not have approved me to get another secured loan 2. Because I had a XXXX collection account that they wanted resolve. 3. My current credit report did not reflect my old credit report that they were using the whole while I was applying for a credit. 

These were not a good answer for my denial and of course my credit file will be different especially when I was told by SECU lender officer to pay off some of the debt. I feel like I 'm being discriminated, because I took the advice and also to make sure I take better care of my credit! The denial reasons was bogus, some of the representative I talked to did not understand themselves why I was denied and neither do I. I was asking the supervisor XXXX XXXX and she gave me them denial excuse and say it because of security reasons I need for someone to clarify this mishap!!! The consumer protect act requires accurate and honest reporting, and my credit is just that accurate!!!

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 non-monetary relief
Consumer complaint received 2016-02-04
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
This complaint involves unlawful third-party contact in an attempt to find a relative. After receiving numerous letters attempting to locate a family member with whom I am no longer in contact, I wrote Navient in XXXX, XXXX and demanded that they stop contact. In XXXX, XXXX, Navient attempted to contact me again on my mobile phone and through the mail. By law, Navient may only contact once and must cease when asked to do so. They have never been authorized by me to call my mobile phone. They have abided by no provision of the law created to protect me. The name of the customer/account holder is XXXX XXXX XXXX ; address XXXX XXXX XXXX XXXX ; XXXX, FL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I was trying to sign up for the community college around XXXX 2015 and my cousin dropped me and my other cousin off there. I accidentally left my bag in the car when she took us home and not realizing that I did until she had left. A few weeks later I needed my birth certificate and when I could n't find it I remembered that she took us to sign up for school. I asked her over and over again about my information and she tried to make it seem like she did n't know where it was at. So a few weeks after that she called and told me that she had my social security card and birth certificate and that she would take it to her mothers house. I went over to get my papers and my aunt said that her daughter never came over that day and my cousin was swearing up and down that she did. After that she stopped answering my phone calls so I went and filed a police report. I 'm just now figuring out that someone is using my information to open bank accounts in my name. I filed the police report in XXXX of 2015 but I 'm just now finding out about fraudulent behavior using my information. I was calling my debit card to check my account balance and I got lazy and did n't feel like typing in the whole card number so I just typed in my social and birthday but it said that I have multiple accounts using my information. I should only have XXXX account which is my checking account but it was saying that I have multiple accounts so I instantly knew that something was wrong. If you can please help me and contact me soon as possible I will greatly appreciate it. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Abuse # 1 ) Every year for the past several years we have had to contact BofA and request that transactions never be paid for our debit card if there are insufficient funds in the account. And every year Bank of America resets our debit card so transactions will be paid regardless of balance and a {$35.00} fee charged. 

It is a violation of both federal and state law for Bank of American to alter a customer account in this way, against the customer 's continued requests not to, just to continually perpetuate the scam of {$35.00} transaction fees. 

Abuse # 2 Further, we receive an email immediately after the {$35.00} dollar fee is charged. An honest bank would send an email immediately but before charging {$35.00} stating there are insufficient funds should a customer want those transactions paid ( we do n't but other customers may ), in which case one could have the option of using another debit card or transferring funds immediately to BofA. Transferring money between accounts is instant and free and easy online or via an APP. This kind of abusive behavior by any bank, especially a national bank such as Bank of America, is absolutely inexcusable. 

If BofA is running this abusive scam with us year after year, they are certainly scamming and abusing other customers continually year after year as well.

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 2017-04-05
Company: Forster, Garbus and Garbus
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I received notice from XXXX XXXX XXXX of an attempt to sue my XXXX mother, who has passed away on XXXX/XXXX/2017, There was never any communication to my mother from these people, Forster, Garbus & Garbus. This is their first communication, and it came in the form of a lawsuit to a deceased XXXX! 
The amount they are suing for is {$1400.00}!! 
I called the court and explained my mother had passed away, and there are no assets or estate. 
The court told me to report them to you, as they frequently do this to deceased people to see if there is an estate. I told the court I would send a copy of death certificate to them. 
These people really are the lowest of low. They should be sued for not validating the debt, and harassment. 
Even the court personnel now they are bottom feeders

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My interest rate with XXXX XXXX XXXX card raised without my knowledge. I sent XXXX a certified letter asking my interest charges back and they never responded. I can submit to you all of the paper work if you wish. I just got off the telephone with XXXX now I was told that I was notified of the interest rate increase. This is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
CFPB mishandled complaint # XXXX. CFPB should have contacted JP Morgan Chase ; to the best of my knowledge, they did not. There is no reference or communication from Chase, but the case was CLOSED based on XXXX 's words, not documents which banks must use to complete transactions. Therefore, this complaint is against Chase. 
Chase did NOT advise me, their customer, that items were returned and at one time the account was frozen. XXXX reports actions beginning in XX/XX/XXXX which were NEVER reported to me until XX/XX/XXXX. Chase has denied -- several times -- that they received EFTs from XXXX ; they deny that the account was ever frozen. 
The account was NEVER overdrawn : Chase emails notifications for transactions over {$150.00}. and reports when the balance is less than {$100.00}. 
I questioned their system in XXXX, XXXX and PURPOSELY overdrew the account with an EFT. I was notified immediately and the item was paid. 
JP MORGAN CHASE notifies me of all actions regarding the checking account yet they failed to point out the problem with XXXX BECAUSE they deny any irregularities with the account. Never FROZEN, no UNAUTHORIZED USERS, no OVERDRAFTS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Over ( 7 ) years ago, I was an account holder with Bank of America. During said time I rented a vehicle from XXXX and paid for the car rental weekly. During said time, while traveling out of town to visit friends in South Carolina, a tire came of the resulting in a dangerous situation/accident. During which time, I did contact the rental company and notify them of the incident. My bank account was closed as a result. The XXXX rental alleged that I owed them for the vehicle, when I had insurance. They sued bank of America for the funds and they claimed to never have collected on this rental. To date I am unable to open a bank account with any bank based on incorrect information presented to the bank. I would like my rights to open an account with a lending institutions/bank restored. Including my car rental privileged.

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 2016-01-26
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX & mary jane elliott pc obtained a judgment after i paid as agreed 18 monthly payments, then my student loans were garnished & i had to replace a furnace. I live in michigan & was unemployed for about 24 months, lost equity in home & small XXXX. I 'm XXXX yrs old. The underlying credit card ( XXXX or XXXX XXXX XXXX ) was weeks away from expiring when it was transferred, possibly sold outright so i dont know who owns it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: DCN Holdings Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On Monday XXXX XXXX, 2015, Agent XXXX called my office, scared my staff and ask my assistant to deliver his urgent message that I need to call him back at XXXX regarding a very serious issue. I called back and the operator could not reach him. On Tuesday, XXXX XXXX, 2015, he used a different phone XXXX to call me on my cell phone number which was neither given to the operator nor him. He demanded me to pay the debt owed by a person and business who I do n't even know. He claimed that the debtor and I are living in the same address, and threatened to file a complaint to the Board to ruin my professional license. Even though I explained to him that I have no business or relationship with the debtor. He rudely said that he knew who I am and threatened to take legal action, then he hang up.

Company response to consumer: Closed
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Trans Union simply refuses to delete the XXXX ( XXXX XXXX ) XXXX dated XX/XX/27 that is not mine. Customer Service expected me to do their job and as well as asked me to submit irrelevant documentation. XXXX and XXXX with no questions asked deleted the incorrect XXXX inquiry from my reports with them. Furthermore, there is a fraud alert on my Trans Union report that I did not authorize and needs to 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 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Recently, I did an investigation on my consumer report which has caused XXXX XXXXXXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act XXXX, XXXX and TRANSUNION has violated my rights. 
-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 

The following accounts are errors : 1. XXXX XXXX XXXX Date : XX/XX/XXXX 2. XXXX XXXX XXXX Open Date : XX/XX/XXXX 3. XXXX XXXX XXXX Open Date : XX/XX/XXXX 4. XXXX XXXX Open Date : 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 non-monetary relief
Consumer complaint received 2020-12-16
Company: Experian Information Solutions Inc.
State: CA
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:
Due to me being a victim of XXXX XXXX .I have unauthorized accounts that appears on my credit report I request the above accounts to be delete and removed off my Experian XXXX XXXX  XXXX and XXXX credit report. Doing the trouble sometime of Covid 19 when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my Experian, XXXX, and XXXX credit report due to my identity been stolen.

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