BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I recently pulled my credit report from XXXX and noticed many accounts listed on each of my reports as a collection/chargeoff. I immediately disputed this information with XXXX multiple times and the results of the investigation have always came back as " verified ''. I did not have an account with any of these creditors during this time period. 
Since I have disputed the account with the credit bureau, and they have verified them, I would like to see what sort of records they have for these alleged accounts. Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it. I will seek legal action under FCRA 623 ( b ) for violations of the FCRA if you do not comply and respond to me with the results of the investigation within 30 days of your receipt of this letter.
In order to clear up this matter, I would like to see, a signed contract showing me that I indeed had an account with these companies. If you do n't respond with the results of the investigation ( as is required per the FCRA ), I will assume you have no documentation and therefore you were negligent in reporting accurate information on my credit report. At this point, you would also be in violation of the FCRA merely for not responding within the 30 day period.
To avoid a lawsuit, I request that you remove the accounts from my credit report. Please delete these listing or I will be forced to seek legal action.

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 2017-10-08
Company: Santander Consumer USA Holdings Inc.
State: NE
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
OnXX/XX/XXXX I sent the company a letter demanding validation of the balance they are seeking to collect. The company has failed to respond to my request for validation of the account but is still reporting the information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion is reporting a collection item by XXXX XXXX that is not a validated debt. I have asked for this information from them but they will not provide it to me. They say they previously sent it to me but I have not received anything. In my recent complaint about them through consumer finance they said they sent me a notice in 2013, but I never received the notice and invoice they say they sent to me. 
I am disputing this debt because I am not being given enough information to figure out what these charges are specifically for. I gave XXXX of XXXX XXXX the proper notice, letting them know I was moving at the end of XXXX of 2013. I believe they are trying to charge me for rent after we moved out. There should be no late fees because I provided notice. What is the misc Fee I? Why is there a Pest Charged Owed? Why am I being charged {$430.00} for rent - for what time period? How is this being calculated? What is the prorata amount and how many days am I being charged for? Why is there a utility reimbursement for trash, sewer and water? Where is the proof that XXXX of XXXX XXXX assigned this collection item to XXXX XXXX? How did they verify with XXXX of XXXX XXXX that these charges are valid, legitimately owed, and properly calculated? Did they simply look at a statement and take it as face value? How do I know they are licensed to collect in the State of Ohio where I reside? They have n't provided me with their license number and registered agent as I requested. I want this item removed from my credit report because it is an unvalidated debt.

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: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I applied for a loan modification through Ditech XX/XX/XXXX and was told that it was approved XX/XX/XXXX I then started making the trial payments. I was told to expect the final contract papers XX/XX/XXXX. I have not yet received any paperwork to finalize the modification. Ditech has been reporting my mortgage payments in default since early last year. They have said that they are having a " system error '' and the system is not updating the modifications as it should so they are unable to even manually generate modification documents. Their rep says that she has been complaining but it is not getting fixed. Recently my car died and I had a huge amount of trouble securing financing due to the dings on my credit report and subsequently have not been given a good interest rate for the life of this loan which has cost me money. I have kept up the trial payments through XX/XX/XXXX, but would like this issue resolved and the modification made permanent and my credit report corrected. I have escalated it to HAMP, but still have got nowhere with Ditech.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Advised to consolidate my loans with my parent loans for better payment plan. 
They paid my XXXX XXXX even though it was specified to be excluded as it was free for1800.00 for XXXX. 
Called servicer when i was notified they paid XXXX and told too late too bad nothing I could do. 
After consolidation, turns out now I have unqualified loans and now I can not get better pay plans. 
Placed all in forbearance as could not affordXX/XX/XXXX sent IBR application, debt breakdown and taxes for self and spouse with taxes for payment plan After acknowledging receipt, XXXX advised too old and missing documents, but none were ever requested. 
XXXX Reapplied IBR Spouse and self and payments were now 40 % of our household income. 
CalledXX/XX/XXXXadvised by servicer that I needed to complete another IBR which was doneXX/XX/XXXX and told I need to fill out form to take out of deferment. They would mail form ( form came XX/XX/XXXX ) and told they see the mistake that my spouses loans were not considered when paymnet was calculated and she would send for evaluation. 
Called XX/XX/XXXXfollow up on evaluation and told that servicer no longer automatically calculates payments with spouse even when box is checked because too many people check in error. Advised that we would need to each fax in a letter requesting our accounts be reviewed together. Also this staffer was able to end deferment without a form. 
Bill Came XX/XX/XXXX again wanting 35.5 % of our household income for my spouse and I. 
his dropped from XXXX to XXXX mine is XXXX due in 14 days from notification giving us a total of XXXX due on our ICR plan. 
As of XXXX/XXXX/XXXX no word on if our faxed letters were ever received or being processed. 
Letter came XX/XX/XXXX explaining how they calculate ICR : XXXX or amount repaid annually over 12 years under standard plan multiplied by income % factor with XXXX divided by 12 or 20 % AGI - 100 % of poverty level which the calculate as XXXX however, we calculate jointly as XXXX total. 
We want to pay these loans, but need something we can afford. 
My husband and I work 2 jobs each and if we work a third job each next year the payment will just be higher so we are really stuck. 
We have consistently been provided with bad advice, wrong information, delays in processing which continues to grow interest debt, loans erroneously added to consolidation that was to be left out and inconsistent payment plans by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Navient Solutions, LLC.
State: GA
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:
I filed for a discharge with XXXX once I terminated my classes due to the fact that I was not employable in the XXXX field due to my XXXX and XXXX XXXX. Once I was told I would not qualify for any employment I immediately resigned from my classes @ XXXX University. XXXX XXXX told me I needed to file a discharge based on failure to benefit when I did they refused my application and wanted me to put a different school, aa school I never attended. Then I was told to file a discharge based on school closure. Because I attended XXXX and it changed to XXXX. And personally I would have never attended XXXX College and was not attending an XXXX College due to the fact their diplomas and certificates were not vaild any where. After I filed, XXXX XXXX refused to accept my discharges kept telling me the school info was not correct and I explained to them I never attended XXXX, That was not the name of the school I signed a contract with and I never stepped foot in the doors of the school once the name had changed to XXXX. Also I noticed that XX/XX/XXXX it stated I went to school again, I did not apply to go to school nor did I sign up for school or attend school XX/XX/XXXX. I moved to XXXX XX/XX/XXXX I have tried disputing this charge for long time Navient and XXXX XXXX keep claiming that it is mine nd I told them I NEVER went to school or attended classes XX/XX/XXXX. I have also conteacted The Dept Of Education Obudsman and did n't receive any help there. So now I am being informed that years ago I should have been offered the repayment plan based on my income, and I was never once offered that plan. they just kept sending me to forbearance and deferment, after telling them I was on SSI and had no other income due to my XXXX, If the law was based that I was eligible for the student loan repayment and then forgiveness based on ability to pay I would n't even have these loans. So now my loans are inflated with ridiculous interest charges, I cant get no credit due to my debt to income ration because of my student loans. Then I found out they took it upon their selves to consolidate loans. and when I asked for a promissory note they could n't provide one from XX/XX/XXXX when I applied for school at XXXX. But instead they sent me something from XX/XX/XXXX that I never seen. So I am looking for help to either discharge my loans, get into the payment plan based on income, and get rid of all those interest charges, I am willing to negotiate based on the original amount before I was blind sighted by highway robbery and thievery from XXXX XXXX and Navient. XXXX XXXX XXXX University ( XXXX Colleges ) for Online classes thru XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an old Wells Fargo credit card debt. This all started when I decided for my own reasons to try and settle it. I contacted Wells who sold it to XXXX XXXX. I contacted XXXX XXXX who sold it to XXXX XXXX, who sold it to XXXX XXXX XXXX XXXX, who sold it to XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX. I confirmed that the principle amount of the debt was {$16000.00}, and that it was " worth '' well over {$50000.00}. I negotiated a settlement of {$2800.00} which I paid that date.

Then on XX/XX/XXXX, I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Tel. ( XXXX  ) XXXX ). The person on the phone threatened that process servers were being sent out. I asked for what and was told Wells Fargo. I said that I settled that debt already and was told this was a " different debt. '' I should add that I am XXXX XXXX and was quite shaken up by this. I was told it was a {$50000.00} debt, but I could settle it for {$5000.00}. I did not have the money, but borrowed it from my Mother to pay off this debt collector. When I got the letters, I noticed that the two accounts were the same! I contacted XXXX XXXX XXXX  at XXXX XXXX XXXX repeatedly, but he would only suggest that Federal Pacific was fraudulent, and he would not refund my money.

I will submit letters from both firms listing the same accounts.

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 2017-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My prior complaint # XXXX has yielded no results even though billions of homeowners continue ( like myself ) to be victimized by Bank of America. I am requesting information as to who is the legal owner of my mortgage? Also what securitization of trust information is connected to this loan. Complaint # XXXX. Neither I nor my attorney XXXX was offered a loan modification even when we requested one. Also the reason for denying my loan modification request.

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 2017-10-08
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This collection agency calls me continually over and over from different phones numbers even block call numbers. They are looking for a person who I do not know. I have no idea who this XXXX person is or why she gave out my number. I have been repeatedly asking them not to call me since I do not know this person but every 5 to 10 minutes they call back asking for this XXXX person. This company XXXX XXXX will not stop harassing me.

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

Complaint:
Navient charged me interest in the 12 months I was on military XXXX, when it CLEARLY states on their website the following : 0 % Interest / Military No-Interest Accrual Benefit You may be eligible for the Military No-Interest Accrual ( MNIA ) benefit while you are XXXX that qualifies you for special pay under 37 U.S.C. 310 ( " XXXX XXXX XXXX '' ). During MNIA XXXX XXXX, you 're eligible for 0 % interest on your Direct Loans for up to 60 months. 

This benefit is only available for Direct Loans, disbursed on or after XX/XX/2008. For Direct Consolidation Loans, this benefit applies to the portion of the consolidation loan that repaid loans first disbursed on or after XX/XX/2008. 

They also ignored any attempt I made to put my loans in deferment due to financial income purposes when I was struggling to find a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am a long term account holder with Bank of America. In general, I have never had a problem until XXXX XXXX, 2015 at the Bank of America XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. 
I had calculated a XXXX minute stop at the drive through teller of this branch, to withdraw funds for my travel XXXX. I was on my way to the airport. I wrote my deposit slip, the teller XXXX XXXX XXXX returned it saying that I could only withdraw up to {$2500.00}, but she did not send another slip. I requested a XXXX slip and wrote it out for the allowed sum and XXXX minutes later, she tells me she ca n't help me because I signed my initials and they did not correspond. She stopped serving us, did not even offer to send another slip. I parked my car and went into the bank, I saw the teller had called a manager and I was actually relieved thinking he might speed up the process so that I could get my money and leave. 
I was frustrated and complained to the manager about the teller, he then proceeded to treat me and my mother in the most unprofessional manner, at one point telling us to " get out '' and calling us rude. I was very angry and said I would not leave without my funds and that he and the bank are supposed to provide me with at least professional service. Finally after XXXX kind ladies gave me their turn in the line, I was able to withdraw my funds. I then asked for his card. The name of this man is XXXX XXXX, and apparently new as small business relationship manager. Although I do not want anyone fired on my behalf, I strongly suggest better customer service training for your personnel. I left the bank XXXX minutes later for what should have taken a maximum of XXXX minutes. 
Sincerely, XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: Navient Solutions, LLC.
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have communicated with the organization, Pioneer Credit Recovery, in XX/XX/XXXX regarding an alleged debt. This was immediately after a 3rd party contact they had made. I requested that they discontinue contacting 3rd parties and I provided my all of my current contact information and requested that communication continue via mail. In XX/XX/XXXX, they once again contacted a 3rd party contact even though I had contacted previously and provided all relevant information and instructions.

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 2017-10-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have a loan with one main financial.they call here 5-6 times a day and even on sats.what happened was back in XXXX I needed a loan to get my vehicle fixed for inspection.they told me I could get {$500.00} loan if my wife cosigned. it did n't happen after running to the banks and XXXX to get sattements. I had been paying {$230.00} a month be fore that, only about {$100.00} was going on the loan the rest was interest.so I borrowed the money from realitives to get it inspected.i told them ( one main ) I would n't be able to make a paqyment for 2 months because I had to pay my realitives back.that would of been XXXX only the car broke down again I needed a coil it cost over {$150.00} to get it towed and fixed. so XXXX came by, was going to make a payment. but they call here fromXXXX, 5-6 times per day .I asked them to stop and sent them letters did no good.so now were are in XXXX I sent them a check for {$20.00} and told them to stop calling and I d start to pay them that did no good either.so XXXX the stsrter went out there was another {$150.00} bill towing to garage and fixing. itsw a XXXX XXXX and I ve had a lot of problems with it lately, its XXXX XXXX XXXX. any how they call 5-6 times a day XXXX asked them to stop that does no good and I told them in a letter if they keep calling I wont pay them anything.and on sat. they called twice.XXXX.if theyd stop calling me XXXX d start to pay them again iwas paying them {$230.00} a month that 's {$2700.00} a year and onl ; y {$1200.00} went towards the loan.and they could n't give me {$500.00} loan it really ticked me off. I am XXXX and on XXXX XXXX.and tired of this XXXX.plus they changed my loan date when I asked them not 2. so they really got me going.i ve had an account with them for years.i d like them to sue me in court so I could tell my story so other people borrowing from them know wht they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I have a complaint about Merrill Lynch XXXX Alabama office. My XXXX account was taken over with funds exceeding over {$76000.00} and ML allowed a person that was never on account to withdraw all funds. The local Judge heard the case and has ordered that account be refunded, however to this day from XXXX nothing has been done. I have court order with me as XXXX account sole custodian and I have every check that ML has allowed to be cashed and taken from account even after account was frozen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Fidelity Properties Inc.
State: OH
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:
On or around  XXXX   XXXX ,  XXXX  I was notified by   XXXX   XXXX   XXXX   XXXX  that  XXXX  had posted a collection notice  to Fidelity Properties fo r a medical bill from  XXXX   XXXX  from  XXXX   XXXX  who has since closed   XXXX   XXXX   XXXX   and left the area. There was a bill for {$72.00} outstanding ? Two other  charges from the clinic where covered.     After contacting  XXXX  a nd Fidelity I was to ld they had sent any letters to me of which I never received. After MANY hours searching I found out  the Dr., Fidelity  and   XXXX    HAD TH E WRONG STREET AD DRESS LISTED FOR ME!     I paid the bill and fee wit h Fidelity  on  XXXX ,  XXXX ,  XXXX  for {$73.00} on the phone with a Check electronically with m y Credit Union.       XXXX   XXXX ,  XXXX  I filed a report  XXXX  with  XXXX  an d Fidelity and hav ing my address corrected and was told by both that this collection would be removed and my  Credit Score would b e CORRECTED. Experian still shows it has DROPPED FROM  XXXX  TO  XXXX  WITH A FAIR RATING?

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 explanation