BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-09
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
took out student loan through American Education Services in 2007 and began repayment same year. I was XXXX XXXX XXXX when I initiated the loan. The amount I received was {$21000.00}. With the addition of an origination fee, my original balance was {$23000.00}. Over the past 8 years I have paid a total of {$18000.00}, never utilized any of my forbearance, and my current loan balance is {$21000.00}. I can no longer afford the {$230.00} payment and AES advised me that the only option I have is to place my loan in forbearance, as I have 12 months available. I do not want to do that as while the loan is in forbearance I will do nothing but raise the balance back up. I can only afford a {$120.00} payment. I additionally can not let the payment default as having good credit is a requirement from my employer. I have an unemployed wife ( student ), XXXX children, a mortgage, an auto payment as well as usual utilities and living expenses. I simply can not afford the payment and have been struggling for quite some time. The loan was too easy to receive and this is a prime example of predatory lending. I must have the payment dropped to {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Paypal Holdings, Inc
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received XXXX debt collections letters from XXXX XXXX XXXX stating I owe {$2500.00} to XXXX credit. The address they have for me is incorrect, but our mail delivery person knows me and puts it in my mailbox anyway. I do not have a XXXX account, I never have. I have checked my credit reports and they show no debt.There are several hard inquires that I did not authorize or request. After the first letter, I sent a response to the collection company stating I did not authorize or acquire this debt and it was either a mistake or a scam. I would like this company to stop contacting me, and I would like all the hard inquiries on my account from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2015 removed for my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My name is XXXX XXXX - I would like to dispute the 4 CLOSED student loan accounts and my personal information, including outdated time-barred inaccurate addresses and employer. I have attached a letter detailing the disputes along with supporting documentation. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NC
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 obtained a {$4000.00} loan through Navient and was forced to pay a high interest rate of 10 % for a 15 year term. I attended college at XXXX - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: CREDIT ACCEPTANCE CORPORATION
State: VT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a XXXX XXXX XXXX from XXXX XXXX of XXXX XXXX on XXXX XXXX, XXXX and they obtained financing for me from Credit Acceptance Corporation. I made my first payment in XXXX of XXXX after receiving my coupon booklet from Credit Acceptance Corporation ( CAC ). CAC had also contacted me prior to this via telephone to confirm my information, address, payment amount, etc. Then, at the end of XXXX XXXX, I received a letter from CAC stating that they were cancelling my loan at the request of XXXX XXXX XXXX. They gave no reason why and did not offer any alternative or other information. On XXXX XXXX, XXXX, XXXX XXXX XXXX went to my mother 's housing and took the vehicle without informing 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 2021-08-26
Company: Santander Consumer USA Holdings Inc.
State: FL
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 financed a car with santander on XXXX of 2019, I was up to date with my payments up until The COVID-19 Pandemic. Not only was i reported to the bureaus as late on my payments but also the vehicle was repossessed during The COVID-19 Pandemic and according to The CARES Act and The HEROES Act my rights are being violated

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Navient Solutions, LLC.
State: FL
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:
Subject : Problems with XXXX Deleting Defaulted Loans In XXXX, I got into a Loan Rehab program for my defaulted loans with the servicing provider XXXX ( XXXX ) who was the gurantor and servicer of my loans since XXXX. They agreed to delete my loans from default and remove them from my credit ( See, Exhibit A1 and Exhibit A2 ). I successfully completed the rehab program in XXXX, XXXX. I contacted ( XXXX ) directly and they said they notified XXXX XXXX/Navient to remove the credit file from each of the credit bureaus. ( XXXX ) told me that it should take up to 60 days for XXXX to remove it according to 34 CFR 682.405 - Loan rehabilitation agreement. It has now been close to 500 days and they have not been removed. ( Exhibit " B '' is a sample listing on XXXX showing defaulted loans ). XXXX also stated that the problem is with XXXX and Navient because they handled there part. 
I 'm preparing to shop for a mortgage and was told those defaulted loans still showing on my credit will keep me from getting the best interest rate. I 'm requesting your assistance to correct this error that is being caused by either XXXX, Navient or XXXX on these loans since the defaults do not reflect my current payment status and agreed upon rehab arrangements. 
Bigger Issue : XXXX has split into Navient Solutions and XXXX, but they are the same exact company. On my credit reports with XXXX every few months those loans appear by different names, sometimes XXXX and sometimes as Navient Solutions. I have contacted Navient Solutions several times and they refuse to help. I have asked the XXXX credit bureaus to help as well. The last time I asked for help from credit bureaus ( Exhibit E ) was on XX/XX/XXXX. I also asked XXXX to remove these items as well ( Exhibit C ) and sent them a letter ( Exhibit D ) on XX/XX/XXXX. I am needing for the original owner XXXX to remove these defaulted loans from my credit immediately as agreed with the service provider who handled my account at that time. Also on XXXX of my credit reports Navient Solutions is listed for the accounts that started in XXXX even though Navient was formed in XXXX. I know that Navient and XXXX is operating outside the laws of the land. This gives them no right to continue to harm my credit like they are doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Synchrony Bank Closed my QVC card due to me missing 2 payments. I understand that that is their policy however during this time of the pandemic I am able to make my payments and on time. I SWITCHED BANKS from XXXX XXXX XXXX XXXX to XXXX  XXXX XXXX and missed the second payment ( {$40.00} ) although I did make my payment they refused to work with me and will not RE-OPEN or " REHAB '' my account. I still have my QVC card set up on automatic bill pay because I don't want a " charge off '' however, considering that the whole country is in a perilous time they could consider re-opening the account for a customer who is 'ACTUALLY '' paying their bill.

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 2015-08-18
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was confusion on why a collection agency reporting to my credit report that I had an account in default as I had no knowledge of any account of the sort and the location of the collection agency was in a state that seemed like it was not related to me either. Anyhow I opened an inspection into the collection agency through the cfpb which allowed for the collection agency to look further into my case and they found that I had indeed not been notified by the hospital of what was a special deductible/co-pay for a hospitalization emergency surgery. I did n't realize that this deductible was separate from my normal medical deductible which had already been covered for the year from a separate hospitalization. As a result of this reinvestigation on the Collection Agency 's Part explained to me what the charges were and why I had not been informed about them. They also offered me a " one-time special offer, '' as they put it, this offer as they explained would remove any mention of the account going to the collection agency from my credit files and it would resolve in full all claims by the hospital in question. They said that they would be willing to discount the amount that I would need to pay by 50 %. I took them up on their offer and their word that it would not appear on my credit report. It now appears on my credit report as settled legally for less than the full amount and it has it under the collection agency 's name as the creditor claiming this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I attended University XXXX at XXXX for two years and needed to take out private student loans to be able to afford school. My private student loans are through Navient, formerly known as XXXX XXXX. XXXX 2015 they withdrew XXXX dollars from my bank account without notifying me of my change in repayment terms. They had overdrawn my bank account weeks before XXXX. When I called to ask them to please refund the money to my bank account so I was n't charged an overdraft few they said it would be impossible for me to get the money back for up to three weeks and that if they cancelled the payment I would have to pay them immediately another amount even without the money being refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Exeter Finance Corp.
State: WA
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 have been disputing this account since XX/XX/XXXX and I have been asking for verification documents to show that this account does in fact belong to me and they have not responded in writing with any information. When I contact these companies by phone they are not even able to locate my account with my name, social, and address.

Exeter claims that they responded to my validation request on XX/XX/XXXX and XX/XX/XXXX but I never received any contract or validation documents from them. I would greatly appreciate these documents being uploaded to this site for The CFPB and myself to see. 
I would also like to request a payment history. There is different payment history being reported between the three credit reporting agencies that are changing the statute of limitation of this account and re-aging the account which is against the law. This alone is reason enough to delete this account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Purchased a new custom built home on XX/XX/19. The mortgage agreement had to include a holdback, in escrow, for several landscape related items that were outline in the Purchase and Sale, but not done by the time of the sale closing. After several attempts we did not accept that these items were completed and requested that the Mortgage lender, Bank of America, not release the funds and to use them to correct the issue. After a year + of dealing with Bank of America, the issues were never corrected using the escrow funds. The funds were also not returned to us. 

Bank of America 's advice was to get a lawyer, but a ) can not explain how we are actually have any legal standing with this as the escrow agreement appears to be between the Mortgage Lender and Seller. b ) decided, without our approval, to say that the items are close enough and that the Seller may have the funds. 

I have had numerous discussions with Bank of America and their subsidiary, Merrill Lynch and just feel like I am getting the same canned answers and brushed off.

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 2017-01-21
Company: Navient Solutions, LLC.
State: WA
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:
Can you explain to me the issues surrounding current loans thru Navient and also the issues surrounding Everest loans from Corinthian? Would the loan forgiveness have an effect on my loan amounts with Navient as well? Im confused I would just like some clarity. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America refuses to give me consistent and accurate information for removing my PMI payment. Every time I call I get a different requirement for an appraisal or loan to value amount. I have an appraisal they refuse to accept even though all appraisers are supposed to be selected at random and I was told before that it would be accepted if it was done within the last 3 months.

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 2021-08-26
Company: ENCORE CAPITAL GROUP INC.
State: NY
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 misplaced all of my information during Hurricane Sandy and I was homeless for 3 years. last year I had XXXX XXXX and I was in a XXXX  and XXXX  for 2 months. When I returned to my home, I started receiving these letters from collection companies and upon further investigation I realized that these accounts were never opened by me. I contacted the various collection agencies on XX/XX/XXXX and again on XX/XX/XXXX. I have not received responses from many of the agencies that I contacted and as a result, none of the issues have been resolved. 

I have a child who has started college last year, and this has seriously affected my ability to obtain financial assistance for him to further his education.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-29
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX XXXX added a {$75.00} charge to my gas bill because my payment I mail in was XXXX cents short due to a typo. I called and spoke with the Rep. I think XXXX and ask to dispute the Charge of {$75.00} as being excessive for being short XXXX cents and I wanted to cancel my cards until we cleared up the matter. He email me a form which I completed and was told I would be contacted by another representative. 

No one has contacted me and every 2 weeks XXXX adds another {$75.00} plus interest to my bill. I have no way of getting them to stop adding more charges. I have contacted the Governor of XXXX and the Texas Attn General office for help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-03
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient took advantage of me I have XXXX loads XXXX is Stafford unsubsidized the other is Stafford subsidized I could have been paying on this. But the staff employees told me it would be better to go into deferment. Also in ten years they said I would n't have to pay anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Navient Solutions, LLC.
State: TX
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 've tried to increase my amount for payment with Naviet, which is virtually impossible. I am paying interest upon interest, and have called to her crease my amount which I can not separate towards principal. I have had automatic draft but I can. It change my draft date so it is drafted the same day and thus if it takes 48hrs to post I am then added additional fees that are then capitalized. I 've called to ask to have my draft date changed and they say they can only change to due date not the draft date. It 's unfortunate to have such a deceitful could no any taking advantage of so many college students. This process should not be that difficult, but they make it all most impossible to be able to reduce your debt without any penalties or red tape. I hope this company is investigated for all their corruption.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX is listed as a derogatory items on my credit report.XXXX is reporting wrong information on my credit report for a debt that was paid in XXXX 2015 in flagrant violation of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX is reporting a rating of XXXX on a scale of XXXX on my credit for a debt that was paid off in XXXX 2015. It is a wrong credit rating because the debt was paid off. XXXX XXXX is intentionally reporting wrong credit information on my credit report and it has negatively affected me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
An ATM claim was filed with my bank, TD Bank, for a charge in the amount of XXXX which occurred on or around XXXX XXXX from XXXX. I received an information packet from TD Bank today, XXXX XXXX, with information denying my claim, there is documents from XXXX showing information on the charge but did not prove the product/item was delivered. The product/item in question is XXXX tickets to XXXX XXXX in XXXX XXXX on XXXX XXXX, I live in XXXX and have not been to XXXX XXXX on or around this date. In fact, my last visit to XXXX was XXXX XXXX to the tenth of 2015. I explained to TD Bank rep taking claim that the product/item was not received and did not make the purchase, it appears someone used my card number to purchase tickets while person was in XXXX, the purchase was made over internet. I suspect their website might have been hacked and or person had my card number written down. The card was not lost or stolen and explained that this is the only unrecognized charge Ive seen so far, did not feel need to order a new card. It appears tickets were not used upon learning ID had to be shown to get into event, Ive checked into this and learned that they were not in fact used. This information was provided by rep ( s ) at Venue Driver as well as XXXX XXXX, the party owned by XXXX. Ive attempted to resolve matter directly, however, XXXX has a strict no refund policy and will not issue refunds, even if fraud occurred. They will even deny a charge is fraud so as to avoid having to issue refunds. Their rep ( s ) have referred me back to TD Bank. They have a complaint with the XXXX as well as XXXX Attorney General 's office, both unresolved. I called TD Bank today to further dispute charge, however, I was advised it is considered closed as merchant provided proof tickets were received, this proof is merely a confirmation showing tickets were sent to my email. However, no such email was received as I have a block preventing any email from unrecognized senders. Also, as mentioned previously, I was not in XXXX on or around time of purchase and no way I would purchase tickets to an event I could not go to. In closing, please advise TD Bank I need this item further disputed. Ive attached an email from XXXX with XXXX denying refund. TD Bank recently replied again denying further inquiry into dispute, did not provide any new information as they have nothing to show any email received by myself. The information they have shown thus far is merely an email was supposedly sent but not received with item or product. Again, I wish to reiterate I was not in XXXX to attend any such event and would not purchase tickets for something I can not go to. Please do not mark this as duplicate, there is additional information contained.

Company response to consumer: Closed with monetary relief