BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-23
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
XXXX XXXX did n't explain the loans and did n't tell me about the loans being private. they also told me that I could pay {$25.00} and there was nothing that could be done to me which is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had an account with Bank of America , Home Loan, that has since been closed with a XXXX balance. They are reporting the date of last activity, or last payment made on XXXX, which is correct. This information is now outdated, and should have been removed XX/XX/XXXX, which is 7 years from the date of last activity. I have disputed it with the credit bureaus, and XXXX and XXXX have removed it, but XXXX kept it on. I disputed it with XXXX again, and they said to contact Bank of America. I sent BOA a dispute, and they simply sent a form letter stating that their " records confirmed the information is accurate ''. They gave me no proof and no indication of their " records '' or how they obtained their decision. They are violating the FCRA and this is damaging 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 explanation
Consumer complaint received 2016-10-14
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Other

Complaint:
I have had a citi bank simplicity card for 3 years and never made a late payment and always paid more than the minimum balance. I used this card when my wife and I moved to a our home and incurred an outstanding balance of about {$6800.00} dollars. I called to negotiate a lower interest rate and they gave me a 11.99 % rate and my minimum payment was {$130.00} so I began paying more than that, around {$200.00} dollars per month, however, what I was not told by the representative when I was given this rate is that it only lasted 12 months and all of sudden I am being charged {$130.00} per month in interest alone and I do not even use the credit card. I called to ask them to reduce the rate so that I could not pay that amount in interest and so I could pay the card off and I was told no and there was nothing they could do for me. I believe that this is unfair to a person who has paid them on time since I had the card and never been late and always have paid more than the minimum balance. I was passed along to person after person when I just recently called and asked to have the outrageous interest charges which this past month was {$130.00} and my monthly purchase amount ( which was a mistake by me ) was only {$40.00} that is 3 times that amount. Please help me stop this company from taking advantage of a person who only wants to pay what I owe them and end this situation.

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 2022-10-02
Company: Credit Karma, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Credit Karma sent me offers to apply to a XXXXXXXX XXXX XXXX they said my approval is outstanding well i apply and was denied my credit score down for this fake offer of Credit Karma

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient is unlawfully pursuing my client, XXXX XXXX XXXX XXXX, after being notified as far back as XX/XX/XXXX, that his alleged signature on the promissory note is a forgery. By letter dated XX/XX/XXXX, Navient sent XXXX XXXX a letter stating the account is now under review for litigation. Total amount owed is {$8500.00}. Forgery is believed to have been committed by XXXX XXXX 's ex-wife, XXXX, who took out student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I contacted the bank requesting to freeze my account, due to losing my job and no longer having direct deposit. I have XXXX checking accounts and I did not want anything drafting from my account creating a negative balances. I was told I could not freeze my accounts. An item debited from both of my accounts and I had no funds available. The bank allowed the items to debit my account which created a negative balance. A fee of {$35.00} was added to both of my accounts. Long story short my account was already in a negative and the bank continued to add fees. I currently have a negative balance between both accounts of {$560.00}, with {$310.00} being bank fees due to overdraft and returns.

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 2017-04-03
Company: Navient Solutions, LLC.
State: NJ
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 originally had XXXX XXXX as my student loan provider, but they were bought out by Navient. I never had issues with XXXX XXXX, but Navient has been one headache after another ... 
Ever since I used my savings account to pay a couple of my loans off, my account has been incredibly inconsistent. Even though I owed less, my monthly payment went up and I was bumped out of my income based repayment plan. I called numerous times to try to fix the situation since I was on automatic debit and I was not informed that my payments went up until they took more out of my account automatically. After speaking with someone, every month the issue was " resolved '', but it was never fixed. Someone finally had told me they would pause my payment for one month so I could get my finances back on track and that the next month my payments would automatically be coming out of my account again. This did n't happen, and I was actually taken OUT of automatic debit, so my interest rates lost the discount. I was so fed up with everything, I just used that motivation to pay the most I could each month to get my loans down. After doing this for about a year, I started realizing that the amount of interest they were taking out of my payments also was n't adding up. For example, I could pay {$200.00} and out of that payment, {$40.00} would go to interest, but if I made another payment 3 days later, they still put a large portion of it to go to interest. About a month ago, I realized that the interest rates they were using on my accounts were also incorrect. My interest rates are fixed, but they were charging me a variable interest rate. After dreading calling them, I finally did, and they had an " investigator '' look into my account. Turns out they " fixed '' my account, but all they did was finagle the numbers to make it look like a fixed amount was coming out of my payment for interest every month, but that was n't the case! I have no access now to the real numbers beforehand, and I still owe the same amount! It is absolutely ridiculous! For some payments when I payed {$20.00} in interest for example, the numbers when they " fixed '' my account make it look like only {$9.00} was taken out of my payment in interest. I just know something is seriously wrong and has been for awhile with my account and it 's very frustrating! The more people I talk to at Navient, the more inconsistent information and answers I get. I just want to feel like I am being treated fairly with my loans and that my hardworking money and my payments are being allocated correctly. I would like to get a copy of my payments before they " fixed '' the interest to compare the numbers from before to the numbers now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Good day to all at the CFPB. Thank you for your service. My name is XXXX. I am being discriminated against and treated unfairly by the false and deceptive business practices of the for profit and non government affiliated company called EQUIFAX. I contacted EQUIFAX on XX/XX/XXXX and spoke to the agents about the discrepancies on my report and that my consumer report is more accurate and much different on XXXX than Equifax and I also notified them that I sent over a hand written letter outlining my instructions on how my personal information on my consumer credit report is inaccurate and came from the EQUIFAX data Breach in XXXX including but not limited too misspellings of my name, employer, collections, and negative accounts and that I want them removed within 5 days because I want to buy my XXXX home. The EQUIFAX agent told me that in order for any information to be disputed on my consumer credit report by me that I need to send in a copy of my Social Security Credit Card. I found that odd considering what I told the agent. I asked the agent to start a consumer investigation on my behalf and the agent said I had to send in my Social Security Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: Delinquent account

Complaint:
Last month I started receiving calls from unknown numbers. They did leave a voicemail to call a number back or log on to citicards.com and they could help me. I XXXX the numbers and there were multiple people suspecting the number of fraud. So I logged on to citicards.com and there were no alerts. I sent a secure message about the calls and they gave me this reply, " Dear XXXX, Thank you for contacting us. We appreciate each and every opportunity to serve you. 

Our records do not show that we have called you regarding your account. 

If you think that the card information is at risk, please call Customer Service immediately. Once your closure request is processed, the current card is closed and a new card number is established. 
XXXX. 
If there is any way we can be of further assistance, please feel free to contact us. 

Sincerely, Account Specialist South Dakota '' So I assumed it was fraud, but the calls continued. I finally was able to answer XXXX and it said that it was a citicards account that was past due. Because of the additional time that lapsed, they reported my account as delinquent. This seems unfair since I took the exact step from their phone call and was told by Citi that they were n't trying to get a hold of me. Now I have a late payment on my credit report from Citi because Citi told me they were n't trying to contact me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have attached an FTC report with inquiries I did not authorize and need to have them deleted, Please also update my personal information which is wrong

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 2022-11-15
Company: Brightfunders, LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Mortgage Company : Lower, LLC When I first contacted Lower, I asked if they offered no closing cost HELOCS. I was very clear that I was not looking for a HELOC that didn't require cash at closing ( closing costs folded in ). The man I dealt with throughout the process said they did. After we discussed the project, he recommended getting a second mortgage for a portion of the amount, with a HELOC as a backup in case costs went over the expected amount. This made sense because interest rates are going up and we proceeded with the process. I received several disclosures during the process regarding the mortgage, which included normal closing costs. I do not recall ever receiving any disclosures about the HELOC. Additionally, at one point in the process, I asked if I should increase the amount of the mortgage and not get the HELOC. The man I dealt with said I should just go ahead with the HELOC in case there was a need for extra money, so I didn't have to go through the loan process again. In hindsight, this seems to be motivated by collecting an additional loan fee. 
I was also told that payments on the HELOC didn't need to be made unless we used money, so I was surprised to receive a bill with an interest payment. The lending institution sent me a copy of the HUD, which we did sign, with the closing costs on it. This was certainly an oversight on my part. I didn't look at it closely enough during the closing, but I wasn't expecting surprise closing costs to be added. Additionally, the closing was very rushed, but that's another story. 
When I contacted Lower, they said the origination charges for the mortgage were waived, but not for the HELOC. This was never mentioned during the mortgage process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I Went to open my account. The Teller add a persons in to my account as a join account I have been Fraud.The money missing from my account The account closed by others. Now what? RE : FTC Ref. No.XXXX wish to continue thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America has represented to me multiple times and as recently as XXXX XXXX, XXXX the assigned dedicated single point of contact ( SPOC ) issued the Making Home Affordable ( MHA ) Home Affordable Modification Program ( HAMP ) denial letters on appeal. This is in violation of MHA HAMP guidelines and the National Mortgage Settlement ( NMS ) enforced by the Consent Judgement Order of XXXX XXXX, XXXX. Just to be clear, the SPOC may not conduct reviews on escalated cases including, but not limited to, appeals and incorrect denials upon completion of an initial review. 

On XXXX XXXX, XXXX Bank of America represented to me my home and property has been sold on XXXX XXXX, XXXX. This must refer to the Trustee 's Sale at public auction of XXXX XXXX, XXXX. I have informed Bank of America of my continued property occupation and possession prior to the recording of the Notice of Trustee 's Sale ( NTS ) and sale date through a claim of right and by color of title, and virtue of property tax payments for sixty continuous months, concurrently. 

All previously mentioned resolutions are desired and mandatory. 

Causes of Action and applicable state and federal law : 1 ) Intentional infliction of emotional disstress. 

2 ) Negligent infliction of extreme emotional disstress. 

3 ) Fraudulent infliction of gross emotional disstress and stress. 

4 ) Intentional misrepresentation on a mortgage or Deed of Trust. 

5 ) Negligent misrepresentation on a mortgage or Deed of Trust. 

6 ) Fraudulent misrepresentation on a mortgage or Deed of Trust. 

7 ) Unfair, poor and deceptive practices. 

8 ) Mortgage negligence. 

9 ) Mortgage fraud. 

10 ) Modification negligence. 

11 ) Modification fraud. 

12 ) Foreclosure negligence. 

13 ) Foreclosure fraud. 

14 ) California 's Unfair Competition Law ( UCL ) Claim. 

15 ) Privacy Act. 

16 ) Racketeer Influenced Corrupt Organizations ( RICO ) Act. 

17 ) Real Estate Settlement Procedures Act ( RESPA ( enforced by Regulation X ) ). 

18 ) Truth In Lending Act ( TILA ( enforced by Regulation Z ) ). 

19 ) National Mortgage Settlement ( NMS ). 

20 ) California Homeowners Bill of Rights ( CalHBOR ), California Civil Code Section 2920 - 2944.10. 

21 ) California Business and Professions Code. 

22 ) Title 12 United States Code Chapter 28 - Emergency Mortgage Relief. 

23 ) Making Home Affordable ( MHA ) Act. 

24 ) Home Affordable Modification Program ( HAMP ). 

25 ) Rosenthal Act. 

Continued in Desired Resolutions portion of complaint.

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 2022-11-15
Company: Experian Information Solutions Inc.
State: FL
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:
I have attached XXXX FTC reports with inquiries I did not authorize and need to have them deleted, Please also update my personal information which is wrong

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 2022-11-15
Company: The CMI Group, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine and I received a letter from what I think is a legitimate debt collection agency. 

The company that sent the debt to collections is not a real company and the debt is not real. 

If you look on XXXX  reviews, over XXXX people have submitted reviews that this is fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This " company '' is fraudulently attempting to scam people by telling them they owe a debt that they do not owe. 
I have never heard of this company, it's not on my credit report ( yet ) and I do not have a previous bill from them. I checked online and they claim to run diagnostic imaging. I have not had any diagnostic imaging in over 2 years and my insurance company has not received a claim. 

They claim this debt is from less than 30 days ago and according to the letter to me the service was rendered XXXX days before it was sent to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a payroll check deposited into my checking account with usaa. My account was then put on hold for the funds but ended up being closed and was told I had to wait 60 days for them just to close the account all the way and send a check afterwards for the funds. There wasnt any fraud committed nor did any check bounce on my account. Im not getting the proper help with this issue through usaa the representatives have been rude and non insightful pertaining this issue. I have spoke to both departments I was told 10 days at first now XXXX and I am currently stuck in XXXX XXXX TX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Every year for the last 3-4 years I 'd receive a letter from wells Fargo that my mortgage amount was going up because insurance premiums or property taxes were higher but they never did, I just did n't know who to reported it too.

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 2021-07-30
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Navy Federal credit union is under fbi investigation for crimes against me for hacking per agent # XXXX with the national threat operations center. Cease all INCOMING CONTACT WITH NAVY AND DO CONTACT THEM. UNABLE TO ACCESS OPEN ACCOUNTS LOANS SAVINGS CHECKING CREDIT CARD. BANNED FROM BRANCHES AND CALLING IN BUT NOT APP PER XXXX XXXX CA BRANCH ASSISTANT SUPERVISOR XXXX AFTER 1 HR OF ME BEING IN BRANCH USED MY ID TO VERIFY ME KICKED ME OUT NOTHING IN WRITING WOULDN'T PROVIDE LETTER. KICKED ME OUT AN HOUR IN AS XXXX XXXX AND MY CAREGIVER UNDER ADA. AGENT XXXX STATES THE OFFICE OF THE CONTROLLER OF THE CURRENCY TO INVESTIGATE NAVY FED CREDIT UNION FOR SYSTEMICALLY DISCRIMINATING AGAINST ME AT THE LOWEST LEVEL TO EXECUTIVE CASE MANAGER FOR UNFAIR LENDING PRACTICES BASED ON AGE SEX DISABILITY ECONOMIC BACKGROUND RACE. I HAVE ACTIVE LOAN CHECKING SAVINGS CREDIT CARD W NAVY THEM CAN'T ACCESS ACCOUNT ONLINE. INCIDENT REPORT TAKEN FROM XXXX XXXX CA POLICE OFFICERS # XXXX # XXXX XX/XX/21 INCIDENT # XXXX NO DETECTIVE CALLED NO WATCH COMMANDER CRIMES STILL HAPPENING HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Privacy

Complaint:
Best buy credit card Citibank refuses to allow me to opt out and provide a copy of my choices. I have requested this 3 times and they refuse to comply.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation