BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: OH
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:
XXXX ( now Navient ) is my original lender for XXXX PRIVATE student loans taken out between XXXX. I have been trying for over a month to get in contact with someone, anyone, there. I would like a copy of my original promissory notes and all loan documents for all XXXX of the loans mentioned above. You ca n't get ahold of anyone, I 've left messages on their " customer service '' line, I 've even tried calling another number I 've had saved from when I was on a repayment plan with them years ago, no luck. I frankly do n't even know who " owns '' my loan at this point because it 's been passed around so much. They are the original lender, I still can log in to an account, and they are sure as XXXX still showing all my loans with past due balances even though I 'm getting calls from another shady sounding company claiming to be in control of my student loans now. I just would like copies of all of my original loan documents, which the lender should be able to produce. Yes, my loans are past due, probably in default by now, but that does n't give them the right to flat out ignore me. If they would offer any kind of customer service, repayment options, etc, I probably would n't be where I 'm at - but that 's a whole other issue. I just want all my loan documents for all XXXX loans they report to my credit every single month. And some kind of tracking number for the package ( if they even can produce the documents ) - because their " word '' is XXXX in my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America 's claims department oversight and lack of supervision has repeatedly set me at a financial disadvantage. For instance, when merchants reimburse or refund before the temporary credit is applied. The bank overlooks these refunds and adds an additional credit leaving the client owing an excessive amount or having to pay back. This time the merchant reimbursed me on the XXXX of XXXX and BOA ignored this transaction and applied the temporary credit after I was reimbursed. I was unaware until a reversal posted of XXXX. The bank tends to do this allot in my account and I am held liable on every transaction. Furthermore, the bank has a habit of extracting funds from a checking to put into my savings when funds are not available. This also leaves me at a defecit and fees are imposed.

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 2021-03-14
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 while I was riding bicycle with my friend someone broke into my car and stole my wallet. This can be proven easily by an affidavit from him and the invoice from dealership for the repair. 

Several purchases was attempted on my Goldman Sachs XXXX ( XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX accounts. I was not even in the same city as where the charges were being attempted and I can prove this as well. 

I responded to all authorization request that was texted to me. XXXX and XXXX XXXX XXXX did not approve any transaction. 3 charges was attempted on Goldman Sachs XXXX XXXX XXXX XXXX and 1 on XXXX XXXX XXXX They were all declined except one that was approved by each bank. 

XXXX XXXX have recognized the error and have approved credit to my account. 

3 charges was attempted on Goldman Sachs XXXX XXXX XXXX XXXX XXXX. 2 charges at XXXX XXXX ( {$1500.00} & {$2400.00} ) and one at XXXX ( {$650.00} XXXX. XXXX declined the charge at XXXX and one of the charges at XXXX XXXX. But XXXX approved {$2400.00} at XXXX XXXX. WHY not decline all of them? Screen cap from XXXX card attached. 

XXXX claims that it was me who made the purchase and that is simply false and impossible. I was 30 minute drive away in a different city. 

I am not responsible for this charge hence can not pay it. Please reverse this charges and credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: NY
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 a student loan with NAVIENT, upon looking at my credit report i noticed i have 14 missed payments from NAVIENT. I recently called them up to set up a payment plan to get ahold of my student loans. It was expressed in the past that i had a rough time after graduating college so i was going to be unable to make payments. I was told that i would be able to put my account in Forbearance. it was explained that it is a period during which your monthly loan payments are temporarily suspended or reduced for a year. During this time i was trying to work, i did not have access to a phone, email barely had a place to live. When i finally got a part time job i was able to turn my pre paid phone on and i was contacted from NAVIENT, i put my account in forbearance for another year so i can get on my feet. The issue today is when having my account was in forbearance NAVIENT reported me to the credit bureau and stated i have missed 14 payments. This is inaccurate information. I recently called NAVIENT they stated they can not help me stating their records indicate they tried to contact me, i explained i had no means of communication, due to me not working i had no phone, also i was under the assumption i was good with my student loans since i was told my account was in forbearance. A representative from NAVIENT said " send a letter to the credit bureau attached with my credit report and dispute it '' that is all she could assist me in today. 

The fair outcome would be to take off the late payments that NAVIENT claim i missed. I currently work for the state and i am able to make my payments. I am up to date on my payments, enrolled in auto pay and i pay extra on my loans each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently reviewed a copy of my credit report on XX/XX/2019 and noticed that were unauthorized, inaccurate, or made in error. 

Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit

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 2015-06-30
Company: Account Discovery Systems, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received repeated calls from a " XXXX '' at XXXX who claims that I am listed as a " contact '' for my brother-in-law XXXX XXXX XXXX. This is patently false. I told them from the first call that I was not ever a contact for him, that this was my personal phone they were calling, that I was on the do not call list. They have called several times since then. They just called me again and I found out that today they called my parents XXXX parents XXXX wife ). They need to stop calling me and my parents XXXX parent 's phone is XXXX ) and they should be fined out of existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ND
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My wife received a statement last week from Bank of America for a Core Checking account that she never opened. It was addressed to her parents which was her old address, so luckily it got fwd 'd onto our new address. It was also in her maiden name, which is another sign of fraud. We called Bank of America 's fraud department, waited for a rep for 80 minutes, explained the situation, he confirmed our identity, looked up the new account, then we asked how this ever got opened since we never did this, and also asked if this was an account setup by a Bank of America employee to get a bonus, then he put us on a hold and then hung up on us. We are fairly certain this has been unresolved, and that Bank of America opened this account without my wife 's permission. I looked up the details of the Bank of America Core Checking account and see there is a fee associated with the checking account that we never opened. Bank of America does not have a branch or ATM in the state we live in, which is another red flag.

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 2015-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgaged harassed me say and reporting me late on my home loan I was XXXX prepaying most the time I got one month behind and they stopped taking my payments they sent them back to me for XXXX and XXXX. They for closed for the 3 months of XXXX XXXX and XXXX. They would not take my payments its an FHA /va loan I over paid the interest I have all receipts from XX/XX/XXXX'till now. The bank bankbank of america terrorized me to where I was XXXX. I am permanently XXXX. I have XXXX. I have XXXX problems. They called me everyday for months. They took a total over a 2 year span of XXXX full payment out of my escrow and could not explain to me why. There are about XXXX different discrepancies with the entire loan starting with a forged signature and the lawyer knew it. 
You ca n't sign a dead mans signature especially when you as the dead mans brother do n't even have the owners rights to sell this hour. The lawyer/ city judge allowed this individual to sign a forged name on our original warrenty deed which has been in my possession since XX/XX/XXXX a month after we signed on the house come to find out the man who signed on this house had a loan still out on this house well it did n't get paid off until after the house contract deadline.I purchased a title insurance policy for my title company and XXXX for myself. I do n't believe it was even a binding loan. There is more to it like the down payment and closing cost exceeded my contract allowance by XXXX. The bank went above and beyond in not showing effort in resolving any of my disputes and if did was not accurate. Y They did not fix any of their mess ups. Please help me I ca n't afford a lawyer and legal aid is a slow process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient pushed me to drop my income based repayment in favor of their forbarence plan as ND mt payments tripled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: RSI Enterprises, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had gone into to a minute clinic to receive some treatment as I was experiencing some discomfort in XXXX. There was never any request for lab work nor was I disclosed any additional charges. Now they have reported collections in all three credit bureau an unpaid balance for l tests that I never agreed too nor knew was being billed for. They have taken advantage and when I have tried disputing have not gotten any resolution. I have also sent them a letter back on XX/XX/21 that they have yet to respond too as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I wired money with bank of America. on XXXX XXXX, 2016. I provided the information they requested. I called them today to inquire about the status and they said it did not go through because there was an " ABIN '' that was required but BAO did not ask me for when we sent the wire. 
BOA returned a portion of the money to my account but kept {$40.00}. I called BOA to inquire but they were rude and the person that handled my call placed me on hold for 45 minutes and never returned to the call. I spoke with a supervisor ( XXXX ) who was extremely rude and unprofessional. She talked down to me and insulted me. 

She refused to help whatsoever and said that I should call the bank on the receiving end to find out what the issue was. I paid BOA to do the money wire and provided them with the information they requested. They failed to wire money and now they are failing to return all my money and I lost {$40.00} for their failure to do their job. 

They should know what information is required for the wire.

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: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I am one of the people that was encourage to go into forbearance, but not told there was a limit to forbearance. My loan has ballooned to over XXXX, and I am being charged interest on the interest. And now, being told I have used up deferment and forbearance. I can not even begin to make this payment at this point, but only have hardship option which I do not meet. I am now being harassed with calls daily, and not helped by them at all. I have tried to consolidate but can not get anyone on the phone for this- I was given a phone and told to register but there it stopped. I do not know what else I can possibly do. Help! Please! I am being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had a lein placed against me by the state of California for unpaid state taxes in XXXX. The lien was registered in XXXX XXXX XXXX in XXXX XXXX and paid off in full in XXXX XXXX. I have asked Equifax to remove the notice of the lien but I am told it is their " policy '' to keep liens for seven years FROM THE DATE OF PAYMENT. So, if you pay off the lien, you 're penalized for seven years after the fact. This is n't a good policy. It 's harmful and it punishes the very people it should be rewarding. 
I 'd like you to speak to them about this and, hopefully, have them revise this punitive policy. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2021 I made a purchase with XXXX using my Bluebird American Express card. I was double charged for the amount of {$170.00}. 

On XX/XX/2021 I went to XXXX. I went to pay using my Bluebird American Express card. My bill was {$130.00}. I was unable to use my Bluebird card. It said that it was " unable to process ''. It was not declined. I had to use my Visa debit card to pay for my bill. I was unable to check my app to see what was going on, also customer service was unreachable. You were greeted with a message saying " due to high call volume no one was able to take your phone call at this time ''. Really? My money is unavailable. And no one can take people 's phone call? 

I was able to finally log on to my app at XXXX. I was ENRAGED to see I had a XXXX DOLLAR balance. I was charged by Bluebird {$150.00}, and charged again {$140.00}. My charges say " ON HOLD ''. 

I thankfully do not ever use this account. However, this is disgusting. I can not reach anyone at this company. I called the main number to American Express a few times, and I called XXXX twice for my money back ( they said I have to call the card company ). I waited on hold for one hour to get through to someone, explain my situation, tell them I want the charges reversed to get my money back TO GET LAUGHED AT AND HUNG UP ON. I would like an answer, I would like my money back, and I would like this company prosecuted!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent in a follow suit letter to XXXX and Equifax about the XXXX XXXX XXXX collection because XXXX  removed the collection. I sent in the supporting document showing XXXX XXXX XXXX was removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this account was a result of fraud i have filed a police report and ftc identity theft affidavit has been notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Rushmore Service Center, LLC
State: NJ
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:
I FILED AN FTC COMPLAINT AGAINST XXXX XXXXXXXX XXXX BACK IN XX/XX/2020, FTC FILE # XXXX. THIS COMPLAINT WAS FILED DUE TO FIRST XXXX XXXX 'XXXX FALSE AND DECEPTIVE ADVERTISEMENT TACTICS OF CREDIT PROTECTION. THE CREDIT PROTECTION PROGRAM XXXX XXXX CHARGED FOR EACH MONTH WAS IN THE EVENT OF LOSS OF EMPLOYMENT, OR NO LONGER WORKING, THE CREDIT PROTECTION THAT THEY CHARGED YOU FOR EACH MONTH WOULD PAY THE MINIMUM MONTHLY CARD PAYMENT EACH MONTH FOR UP TO A WHOLE YEAR. HOWEVER, ONCE THE COVID 19 PANDEMIC STRUCK AND SHELTER IN PLACE ORDERS WERE IMPLEMENTED FOR THE STATE OF NEW JERSEY, THE COMPANY BEGAN REPORTING DELINQUENCIES TO THE CREDIT BUREAUS EVEN AFTER ADVISED THAT I WANTED TO USE MY CREDIT PROTECTION THAT I HAD BEEN PAYING FOR. THE CREDIT PROTECTION PROGRAM WAS A FRAUD, MORE OF A SCAM IN ORDER TO GET EXTRA MONEY EACH MONTH OUT OF CONSUMERS. AND THE COMPANY WHILE ON THE CREDIT PROTECTION PROGRAM SENT OUT THREATENING LETTERS THAT STATED THEY WERE REPORTING NON PAYMENTS/DELINQUENCIES TO THE CREDIT BUREAUS. AFTER I CONTACTED XXXX XXXX XXXX CERTIFIED MAIL WITH A DISPUTE LETTER. XXXX XXXX XXXX FAILED TO RESPOND TO THEIR FRAUDULENT CREDIT PROTECTION PROGRAM. INSTEAD, XXXX XXXX WAITED NEARLY 8 MONTHS LATER FROM XX/XX/2020 AND RE-SOLD THE EXACT SAME ACCOUNT TO RUSHMORE SERVICE CENTER. AS A RESULT, I HAVE FILED AN FTC COMPLAINT AGAINST RUSHMORE SERVICE CENTER. THE FTC FILE # IS XXXX. NOW RUSHMORE SERVICE CENTER IS CONTACTING ME REQUESTING PAYMENT FOR THE EXACT SAME DISPUTED ACCOUNT THAT XXXX XXXX IGNORED ALL CERTIFIED DISPUTES ON WHEN THEY RECEIVED THE DISPUTE LETTERS CERTIFIED MAIL. THESE TYPES OF UNETHICAL BUSINESS PRACTICES NEED TO END. AND COMPANIES SUCH AS XXXX XXXX XXXX TOOK ADVANTAGE OF VIOLATING THE LAWS OF THE FTC DURING COVID 19.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: TENET HEALTHCARE CORPORATION
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
In XXXX XXXX I obtained health care from XXXX XXXX XXXX through the market place which ended in XXXX XXXX. During that time I received services at XXXX XXXX XXXX XXXX XXXX In XXXX and I was billed for those services without notice. At the time I had medical insurance. In XXXX XXXX I spoke with XXXX XXXX. She explained that my medical bill was n't covered because XXXX XXXX is an out of network provider for XXXX XXXX XXXX. When I receive the services, I had no knowledge of that. They accepted me as a patient and told me that my insurance would cover my services. 

XXXX XXXX XXXX has XXXX different plans. XXXX is covered through XXXX and the other is n't. This is a common case for XXXX. Instead of correcting the matter, they offered to give me a discount on the bill. If I knew they did n't accept my insurance, I would 've never come to them. 

There should 've been additional questions asked to determine the type of insurance that I had given that this happens frequently with this particular medical provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Exeter Finance Corp.
State: OH
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation