BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-26
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am XXXX, with a retroactive date to XX/XX/XXXX. I found out I had student loans with Navient, they refused to help me file an identity theft issue. I spoke with them multiple times, between XXXX and XXXX, and told them I was XXXX and could n't work, and was waiting for a decision from Social Security. I told them I had Medicaid and got XXXX. They told me to put my loans in deferment and forbearance status, and that no interest would accrue. They told me that once I was approved for XXXX, they would discharge the loans. I was approved for XXXX in XX/XX/XXXX. When I sent them the award letter, they said that they could n't discharge it because my review would be in XXXX, even though they said I was XXXX since XXXX and that entails a review 5 years from the date of award, they said I did n't qualify for XXXX discharge because I had a review scheduled in 2 years, not 5 or 7. They then told me to defer and forbear my loans again, and that no interest would accrue. I told them I made XXXX per month. Last month, Navient sent a letter saying a payment was due for {$9.00}. I paid it. Then they told me next months payment would be {$150.00}. I spoke to the Department of Education, because I had loans due to them to, and they told me I needed to apply for income based repayment. I applied through student loans.gov to do income based repayment for navient and department of education. They approved me with a monthly payment of {$0.00} over the next 25 years. I logged in to Navient and it was approved for {$0.00} over 25 years, with annual renewal forms. However, I noticed interest has accrued on my loans since XXXX. Navient never told me I could apply for income based repayment, and the department of education did not tell me that either until I started crying on the phone because I could n't afford payments and the interest kept accruing. Basically I qualified for income based repayment since XX/XX/XXXX when I applied for social security benefits. And nobody told me. I could have entered an IBR then and had three years worth of {$0.00} payments completed and be 3 years closer to having my loans forgiven/paid off! And I also would n't have to pay back as much money, because instead of interest building up for three years, I would have made the $ XXXX monthly payments. My credit score was destroyed because of this, and I had to go to bankruptcy because my credit score was so bad. I cant get a mortgage or anything because my credit score was severly damaged by navient and the department of education. they should have told me about income based repayment years ago when I became XXXX and told them I was awaiting a social security XXXX decision and had NO INCOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Wilber and Associates, P.C.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
While attempting to negotiate some sort of settlement with Wilber Law Firm/Group, etc., I was repeatedly spoken to with complete disrespect. The representative XXXX, was rude and unprofessional on most every call I 'd ever experienced with her ( about 4 or 5 ). After several unsuccessful attempts to negotiate a reasonable repayment plan and consistently being spoken to like a useless bum of some sort, I eventually decided I 'd need to find a different route to settle this debt especially being that all of the harassment was coming from a " debt collector ''. I later learned that law firm had already sent a letter to the DMV causing my driving license to be suspended months earlier. I am currently in the process of researching if the action was even a legal one on their behalf. I even mailed a letter to the firm during all of this informing them of the tactics being used to force me to pay the debt. Who responded? XXXX. When I called for the last time to attempt speaking with a different person ... again I was taunted my none other than XXXX. When requesting verification of the debt, she mailed me cut off documents that explained none of what I 'd asked for After she 'd already let me know that the company should n't need to waste their stamps due to me being irresponsible. I later researched to see if I was the only person having such a problem from this company to learn that several complaints have been filed against this company for many of the same reasons and some even worse. The lists of complaints go back for years. Well, add this one to the list.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: WESTERN UNION COMPANY, THE
State: MO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Western Union has put my money transfer on hold and asked me to provide more information which I did. I was told I will get answer after 2-3 days. Now ten days passed no answer. Talked to their service staff all I got is that it is in their compliance dept. to subject to approval. Same answer each time I called. I said I want my money back they said they ca n't do anything untill they hear back from the dept. Now I am totally exhausted. What a disappointing service they provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Delbert Services
State: AR
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I received a called from wertern sky stating I have a default loan from XX/XX/XXXX of XXXX which is now XXXX. 
I did n't take the loan out with WS but with XXXX. WS had made several calls to relative and friends giving out by social number and threating to send legal documents for me for court. I have n't heard from WS nor XXXX in 5 years. It 's my understanding that CFPP filed a lawsuit for unlicensed loans XX/XX/XXXX. 
The representative who called was very rude not only to me but to the others who they called looking for 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 explanation
Consumer complaint received 2016-08-02
Company: ALLY FINANCIAL INC.
State: LA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
North star locations services had been constantly calling my phone and sometimes even my mother 's phone early in the morning claiming I owe money to them. My car got picked up XX/XX/XXXX. About two days after I sent my payment through XXXX XXXX sent a repo truck to come pick up my vehicle. About a month later, the north star location services phone calls started. The first call from them thru told me my vat had been sold through an auction. I did not receive any documentation about this matter. Ever since then they have been calling me early in the morning while me and my XXXX are still sleeping. I just want the phone calls to stop because I just about had it.

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 2015-11-15
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a Regal Buick XX/XX/XXXX, 3 years ago through Ally. The term of the lease was 36 months with XXXX miles per year. I returned the car 2 months ago ( XX/XX/XXXX ) with only XXXX miles. I had still 2 months to terminate the lease and I was aware that I had to paid the remaining lease months, and I did. I left the car in an excellent condition with the normal use/ware of 3 years or XXXX miles. Ally did the inspection and determine that I had to pay for the tires. I paid on time all the lease payments and took very good care of that car, I consider an abuse from Ally to request that I pay them for new tires ( {$940.00} ) when I even under use the car ( XXXX miles less that the contract ) and was return in spotless condition.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have sent a hand written letter to dispute the false 30 day late report via certified mail. I have disputed to Transunion and XXXX. I have written a complaint to attorney general and various other agencies to help me resolve this matter, I have never been 30 days late and in XXXX 2015 I had spoke with a XXXX XXXX XXXX XXXX that had promised me a arrangement due to unemployment. That I could make the regular car payment and that if paid late would accrue fee however, I would never be reported due to late fees for not paying on time. So fast forward 8 months and arrangement was kept on there end. I made the payment for XXXX 29 days late due to financial struggle and they reported me as 30 days late. I wrote a letter in regards to the FRCA 611 ( a ) act that this was indeed false report and I have been hounded in regards to payment that I have always paid. The collection department refused to work with me and where so rude and I feel like I have no control of being bullied in this matter. I need help as XXXX is lieing and holding to keeping this false information active so they do n't get in trouble. They are reporting falsely and I am paying for this emotionally and it is got me so distraught that they continue to bully me in this matter. I can provide documentation however want to make sure it is taken care of to protect my identity. Please if you can help me in any way. I await your response, thankfully yours. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America is having me pay {$130.00} per month into an escrow account for taxes and insurance ( says it on the bill. ) The taxes are $ XXXX/month and the insurance is {$26.00} per month. Neither bills have been paid, and after 3 hours on the phone and bank visit, no one can figure out why. They are saying that I either need to pay it myself, or wait one week to be contacted by them. Meanwhile, I received a letter on XXXX/XXXX/15 stating my insurance was going to be cancelled because of this. They ( XXXX XXXX ) said they sent Bank of America several bills for {$310.00} ( now {$340.00} for late fees ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our new loan servicer has arbitrarily altered the terms of our HAMP Loan Modification by failing to accurately report our deferred interest which is a fundamental part of the written contract between us and our prior loan owner XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: ALLY FINANCIAL INC.
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a hard inquiry on my credit report that I did not authorize. I did send them a letter but it came back undeliverable.

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 2016-04-20
Company: Arcadia Holdings, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
During yhese numerous phone calls they are extremely rude but I have asked them on numerous occasions to send me copy of the bill so I can pay it and they have yet to do that. They just want me to give them my bank info over the phone and they get real nasty when I wo n't. I do n't know for sure if phone call is really who they say they are.

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 2016-06-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
What 's up with these XXXX banks, forcing us, against our will, to use their flawed, chipped cards? On XXXX XXXX, 2016 I stopped to get some groceries on my way home from work. I bought XXXX dollars worth of food and was told at the check stand my card was refused. On XXXX XXXX I called my bank ( Chase ) and was informed that they de-activated my ATM card, which expires XXXX, and that I HAD to use the chipped card that they sent me. I told them that I never received a new card from them, that I did n't want to use a chipped card, and that short of going into the bank for each and every transaction that I had no access to my money. Their response was that they could direct me to a place where I could go to pick up an expediated card! their card is flawed! I 've seen Chase Customers go up to Chase ATM 's and walk away saying that the ATM was broken. I put my non chipped card in and the ATM worked just fine! Many stores are NOT or only partially set up to use a chipped card. A flawed system should not be foisted upon people who do n't want it. When they came out with a finger print option on your card, it WAS just an option. Now Chase and a few other banks are forcing customers to use a flawed system and I 'm unable to reasonably be able to access my funds! Ca n't Chase and these other banks be told to honor their customers valid ATM debit cards? Is n't there a way that they can be forced to give their customers a choice as to the service they want? XXXX shoe does NOT! fit all! I 've received absolutely no prior notice from Chase and they are denying me proper access to those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I currently am the verge of defaulting on this private loan. I sent Navient XXXX and am willing to send another XXXX every month. The payment amount is XXXX per month and im 3 months behind. At this time i am unable to afford XXXX a month. A representative on XX/XX/XXXX took a financial statement from me and offered me a program that is for 15 mos at a interest rate of 2 percent of the loan and it only covers interest. The payment would be XXXX. I told her i am unable to afford the XXXX this time. I have a financial hardship what else can you offer me? She said nothing can be done. 

I need something else done with this loan. This loan is illegal it originated in my early XXXX. The interest rates are so high that its designed for me to never pau it off. 
The school XXXX that signed me up for this illegal loan had many lawsuits due to their bad business practices and has since gone out of business. I asked that this loan be forgiven. Ive been paying pure interest to this loan for 10 years and i now owe XXXX and i fear itll be XXXX by the time i reach retirement age. Again, since i do not meet any of your programs i ask for this loan to be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Bank of America has placed a Hard Inquiry on my Equifax report without me giving them permission to do so.

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 2016-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent a letter to TransUnion on XXXX/XXXX/2016 in regards to inquiries on my credit report that I have not authorize, apply for a job, credit, nor was credit granted to me. I asked for them to provide documentation showing proof of my authorization. On XXXX/XXXX/2016 I received a letter from TransUnion that provides information about inquiries and to contact the creditors although, it does not resolve the my concern. I also placed a fraud alert on my credit file the end of XXXX to try to alleviate anything further and I have since had inquiries reported on my file. I contacted TransUnion on XXXX/XXXX/2016,XXXX/XXXX/2016, and XXXX/XXXX/2016 to discuss my dispute and ask that they be removed since I did not authorize. I was told I needed to contact each creditor and ask them to request the removal. I was told I needed to contact the creditor each time and I requested a supervisor call and never got a call. So on XXXX/XXXX/2016 I was told by XXXX they were contacting the creditors for verification I have since contacted each creditor by phone and by letter. I have already contacted each creditor by phone and they directed me to mail a letter. I have not received a repspone from the creditors to date. I called on XXXX/XXXX/2016 and was advised no dispute was being processed that I needed to contact the creditors and I stated that I already did contact them and asked for a supervisor and they hung up on me. I would like the inquiries to be removed from my credit file as I did not authorize them. Any assistance would be greatly appreciated.

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 2015-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I previously challenged the accuracy in reporting of several bankruptcy listings on my Transunion report. Federal Courts, because of privacy laws do not release social security numbers to credit bureaus. Pursuant to Rule 1005 of the Federal Rule of Bankruptcy Procedure all documents filed with the court are to contain only the last four digits of an individual 's social security number or tax identification number. The XXXX XXXX of Illinois does n't provide any information to any credit bureaus, all this information is obtained via third party. I would like to know how Transunion can verify the validity of the bankruptcy entries listed on my credit profile. Transunion has also failed to provide the name of the furnisher, address and telephone number. My social security number and the social security number listed in the federal courts do n't match. How can Transunion tie this account to my name and credit profile? This is inaccurate reporting and a violation of the Fair Credit Reporting Act. My social security number does not match what is in the bankruptcy records. I 've verified this information through XXXX. If, the bankruptcy does match my records Transunion needs to match my full nine digit social security number along with a filing date and case number and if not Transunion must DELETE the entries associated with bankruptcy from my credit profile.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
a tax lien was issued for property not located in XXXX county. The personal watercraft was purchased in XXXX, bout subsequently transported to XXXX. it was not stored or used in XXXX county, XXXX. tax lien was vacated immediately vbut the lien release continues to reside on my credit report. 

lien release was based upon incorrect information, e.g a Tax Notice on property outyside the county of XXXX. Lien on out of state property was void, Because no lien was perfected on personal pro recordation of ; Lien Release should not be reported to credit bureau and allowed to diminish credit score as if valid. 

LIEN WAS PAID UNDER PROTEST TO AVOID THIS OUTCOME.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
all credit agencies reporting incorrect data, never had any " Public Records/ TAX LIENS '' not mines, same infor on file 2 times ; violates FCRA with re-appearance of infor on file

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Collection is being reported that was paid to the original creditor. I have had no contact with the collection agency prior to the debt being paid to the creditor. They refuse to remove it from my credit report.

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 2016-10-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
I was told I was receiving a 24 month promotional period for my enrollment and I only received a 12 month promotional period. My original purchase was {$2200.00} and after over a year of making payments each month, my balance is now {$3000.00}, more than the original purchase and the interest accrued is roughly {$1500.00}. This should not have happened as I was told I was receiving a 24 month no interest promotion.

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 2015-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Checked my credit report and it is showing a delinquency on a credit card that I do not have. Says I have a past due balance with XXXX and I do not have a XXXX card.

Company response to consumer: Closed with explanation