BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX   XXXX  claims they are servicing a loan for the   XXXX   XXXX   XXXX   XXXX    XXXX .   XXXX   XXXX    XXXX   XXXX   XXXX  was conveyed a Trustee 's Deed on  XXXX   XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  filed a Forcible Entry and Detainer Suit in  XXXX .   XXXX   XXXX   XXXX   XXXX    XXXX  was awarded Judgment of Possession in  XXXX   Court and County Court  in  XXXX . I filed a lawsuit to enjoin a Wrongful Post-foreclosure eviction. On  XX/XX/XXXX  in open Court,   XXXX   XXXX   XXXX   XXXX    XXXX  's advised the Court they would not eviction me during the pendency of the lawsuit. This lawsuit is currently pending in the  XXXX  District Court,  XXXX  county Texas.     On  XX/XX/XXXX ,  XXXX  's attorney admitte d in Open Court th ey were only responding to a dispute letter. They had sent me no default letter, notic e of Acceleration, or notice  of foreclosure. However, my credit report shows I 'm delinquent.

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 2015-12-28
Company: The CBE Group, Inc.
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This matter involves credit card debt with XXXX XXXX XXXX which was referred to CBE Group for collections. XXXX XXXX XXXX had my correct address as bills were sent monthly to me. Once this was referred to CBE Group they used an old address where I have not resided for years. When this was sent to the old address it was opened by the occupant at that address who in turned contacted me about the letter, debt and what it was about. This resulted in great embarrassment and mental anguish. There was no reason for this to happen and I believe that corrective actions need to be taken, including fines and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have a loan with Sallie Mae ( XXXX ) that I 've been struggling with for years. I 've been able to make payments again recently but still have a small balance past due as they will no longer grant me forbearance. In addition to calling me and my cosigner at least 7 times per day, they have begun calling family members of mine who are not on any of my loan documents. Specifically, they have begun calling my father 's girlfriend on her private, unlisted home phone. My father did not cosign my loan. He had nothing to do with it. He 's not even on my birth certificate. He lives XXXX miles away. I 'm not sure how they found him or gained access to their private phone number. It 's terrifying. My loan is roughly {$20000.00}. I 'm past due on about {$1000.00} but have been making payments. This is effecting my mental health especially now as they seem to be stalking me and somehow gaining access to my personal information outside of my loan documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I ordered new Bank of America checks online in XX/XX/XXXX. On XX/XX/XXXX I still had n't received them, so I called the local BoA office to ask about the status. They said they could n't help me, but that they could connect me with customer service, which they did. After going through a XXXX automated phone system, I eventually learned that the checks had been mailed to me on XX/XX/XXXX. But when I selected the number to speak to an XXXX, the system said it could n't help me and hung up. I called the local office again, and they told me to just keep saying " Speak to an XXXX ''. I called BoA customer service back and kept asking to speak to an associate. The system hung up on me. I Googled BoA customer service, called the XXXX number, chose the option for " stolen checks '', and after providing some additional info, finally got a real person. He then put me on hold for a XXXX time before transfering me to someone who confirmed that the checks had been ordered correctly and been shipped to the correct address. Since we never got them, she reordered the checks. This whole process took XXXX minutes. I would have been happy if I had gotten the woman who reordered the checks the first time. We have been with BoA/Merrill for many years, including all of our banking, investments, mortgage, and credit card, which together amount to a lot of money. It seems to me that we should receive far better service. This seems to happen every time we deal with BoA. We stay with them because we want everything in XXXX place, and we are relatively happy with XXXX.

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 2016-03-23
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:
I was overcharged by original creditor. I contacted original creditor about the issue, original creditor corrected bill, and I paid the bill in full. Nearly two years later, I found that a collections agency has reported this debt to ALL XXXX credit reporting agencies. I have not received a bill from this collection agency, nor have I been contacted by them in any other way. In fact, I do n't even know where they got the {$120.00} figure from that they claim that I owe. It is not the original amount owed, nor was it the difference between the original bill and the corrected bill, and since I paid the corrected bill in full, it is DEFINITELY not an outstanding balance. I DO NOT OWE ANY MONEY TO THIS COMPANY, AND IT SHOULD NOT BE APPEARING ON ANY OF MY CREDIT REPORTS.

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 2017-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Original Creditor   XXXX   XXXX  continues to report account on my Transunion report as charged off sold to another vendor. Numerous attempts have been made to Transunion indicating Original creditor sold debt meaning they wrote off the debt on their taxes which also wrote off the obligation to pay. Which means " contract was cancelled '' " NO CONTRACT ''. Numerous letters have been sent via certified mail starting  XXXX    XXXX   thru present. Transunion continues to have the incorrect information reporting on 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 explanation
Consumer complaint received 2016-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Applied for refinance with Bank of America after being a loyal customer of over 10years. I have never missed or been late on any payments with them and the debt to equity ratio is less than XXXX. They made a mistake on other properties I own and are asking me to send information that has been already submitted prior to their mistake. They actually closed the loan refinance due to their mistake. I have answered all of there questions and sent all of the information to them, at least once. I am fed up with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: NC
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:
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX, & XXXX/XXXX/XXXX As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.

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: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
When I first graduated, I was not notified of any payment plans I was eligible for. Due to my significantly lower initial income at the time, an Income-driven payment plan would have significantly lowered my monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is a XXXX action which the sent to jefferson capital i have literally been asking for verifaction of this bill i have never seen a bill i went to XXXX in XXXX az with id and was told the would not verify.i cant get them to send me nothing on this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was in an active Bankruptcy that was finalized and suddenly I receive a default letter from Navient that I am XXXX delinquent. This was the first notification I had received from them since my Bankruptcy was finished. I called to work out payment options to lower my payment and they immediately put me in forbearance with no option to make a payment. Penalties and interest are continuing to mount. All I want to due is lower my payments and start paying my debt back, but they seem to make it difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: TX
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:
They off set my income tax on a loan I never recieved for {$5000.00} on a {$6000.00} loan. They sent the money back to the school and sent the loan money back to the school 3 months later. They never informed me they were charging me for that loan and I ended up owing {$2000.00} to them for that loan but have no record of who the loan was transferred to in XXXX and why there is a balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Account number : XXXX On XX/XX/2019 someone walked into a Bank of America branch in Florida and withdrew {$3400.00} from my account. It is showing on bank statement as check # XXXX. 
Bank of America gave this person, not me or my wife, these funds. 
This is an identity theft or a mishandling of accounts by Bank of America giving funds to a person who is not who they say they are, theft. 
Called the bank immediately about this unauthorized withdrawal as I was not in Florida but in my home in Connecticut at the time of this transaction. Bank of America said it is an identity theft problem and we need to file a Police report. 
Police report filed, sent to Bank of America ( BofA ) and B of A said we would be reimbursed on receipt of Police Report. I have NOT received any funds, return of {$3400.00} and my enquiries to B of A are falling on deaf ears. Need the to return my {$3400.00}

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 2017-10-08
Company: Skopos Financial, LLC
State: NC
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:
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX & XXXX credit file dated XXXX/XXXX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is  informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a checking account with Bank of America that was canceled on XXXX XXXX without notice. I visited the XXXX XXXX XXXX branch in XXXX XXXX Fl that morning to check on my SS. and left the bank with {$5900.00} in my checking account. Later that afternoon I attempted to charge my credit card and it was declined along with a notice to contact consumer service. I tried to access my account online but was denied access, No such account, I called XXXX and was told that they did not have a record of my account number or my SS number or my name. I was transfered to the fraud dept and put on hold for two hours. I went to the local bank the next morning and the branch manager was locked out of the account. She eventually got a notice that I was to call XXXX. I called and was informed that due to " suspicious activity '' my account had been canceled. A team would be assigned to review the account and an email would be sent informing me of the status of the account. A certified check would be mailed to me if it was determined that I had funds due. I have not heard from the bank and have not received my funds.

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 2019-10-19
Company: EQUIFAX, INC.
State: WV
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 was looking over my credit and I seen a address that I never lived at in XXXX OH. XXXX XXXX XXXX XXXX, OH XXXX. Someone was apply for accounts in my name for cellphones an credit cards at that address. There are several accounts from XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX that I do not recognize. I have filed a complaint with the FTC and the CFPB to protect my identity. I live in XXXX West Virgina. I never live in XXXX OHIO. I am trying to refinance my home and I need these accounts removed they are fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to 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 2017-01-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I 've tried to explain to them that my income changed dramatically within past year and unable to afford. Ask for assistance with forbearance long term but only granted one month. 

School Name - XXXX University, XXXX GA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
Month after month XXXX is wrongfully reporting inaccurate information about my account status to the credit bureau. Since XX/XX/XXXX of 2017 they are reporting inaccurate balances and inaccurate payment status. I have contacted XXXX every month to fix this issue and every month they claim it will be fixed and is not. My balances are always wrong and when I call they say they are adjusted then a week later they are wrong again. My balances fluctuate because they are constantly adding and taking off late fees and I have never been late. The month of XX/XX/XXXX they reported I was late again when I was not and was told by their manager they  would fix the error on my credit report. My credit has significantly dropped because of them and I 've lost an incredibly large amount of time every month trying to fix this issue and it 's just not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had set an overpayment on my account with Navient ( Formely XXXX XXXX ) - which was to help reduce the total cost of my Student Loan. This had been in place for at least 2 years - then out of the blue I received a message stating that there has been a change to my account - and some dates & terms. It never stated exactly what had changed. Then I checked my Navient account and realised they REMOVED my overpayment - so now they were only taking out the minimum to cover - which in effect means I 'd end up paying more on the balance over time if I did n't realise this ( accrue more interest ). This was Totally not cool.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America keeps reordering debit card transactions in various ways that does n't reflect my debit transactions. I 'll have a zero transaction and all of a sudden an old debit is processing or they change the order causing me to have less than what I previously had. I also had an incident in XXXXXX where I was charged an overdraft fee, and I had put enough money in my account to cover it. Had I not caught it, the charge would have stuck. My purchases should not be shuffled or debited by large to small but as I purchased. I 've complained about this before. The womam from bank of America who called was extremely rude and I would not speak to her.

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 2015-05-25
Company: Navient Solutions, LLC.
State: PA
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 made an " extra '' payment on my private student loans on XXXX/XXXX/15. The payments due on XXXX/XXXX/15 had already been made on XXXX/XXXX/15 so no payment was due. Navient deducted late fees from my " extra '' payments even though these were not late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Continuing to call, despite being asked to put a note in their file to not call until issue is resolved. Talked to another woman today, I was asking legitimate questions in a calm manner, she was extremely rude and disrespectful towards me.

Company response to consumer: Closed with explanation