BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-10
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
On XXXX XXXX, XXXX I got a credit alert from my credit monitoring service that there was a change in my credit bureau. I went online and looked at it and saw simply a reference to a collection from a company called National Credit Systems. I had never received a phone call or letter or any other communication from this company. 

I called their offices as soon as it opened, inquired about the debt they were collecting on, and realized it was related to an early termination fee from an apartment I was renting in XXXX! I do n't dispute the amount, but I was never billed for the early termination fee and did n't know it was outstanding. 

So, I informed the agent that I had never received notice from the apartment company or from the collection agency that anyone was trying to collect. I told him I would pay the debt that day, which I did, if he could ensure that it would be expunged from my credit bureau because I 've never gotten any phone calls or letters from anyone. The agent said " absolutely ''. He suggested that they did n't have any contact information for me even though I kept the same mailing address and phone number before, during and after the time I lived in the apartment. Surely the apartment complex had all that information from my initial application. Even so, a simple google search could have easily found me. 

I paid the bill that day and continued to follow up with the company about expunging the collection from my record because they had n't provided any notification or made any effort to notify me about collecting a debt. My bureaus show the credit as paid off, but its still on there as a derogatory, negatively impacting my credit score. 

I have no way to contact the prior apartment management as the complex was sold. And my attempts to resolve this with the collection agency have obviously yielded little result. 

I believe that a collection agency, as a furnisher of information to the credit bureaus, is required to Inform consumers about negative information which is in the process of or has already been placed on a consumer 's credit report within one month. I received no such notification from the time I vacated the apartment ( XXXX XXXX ) until the time I got the alert from my credit monitoring ( XXXX XXXX )!!! 

Thanks for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, XXXX, I received a letter from Citimortgage stating that they would no longer be servicing my mortgage, effective XXXX XXXX, XXXX. The letter is dated XXXX XXXX. I am aware that banks are entitled to change mortgage servicer, however I thought they were supposed to give 30 days notice.

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 2020-04-18
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have multiple store cards with Comenity Bank ( XXXX XXXX  XXXX XXXX, Victoria Secret, XXXX XXXX, XXXX  ) I have been out of work since early XXXX due to the global pandemic. I have been trying to contact them through their secure messages and it says you have to call for CO-VID19 assistance. I have called numerous times there is a 2 hour hold, and you never get through, they have limited staff due to them practicing social distancing, and staff safety so how can someone get help? The responses through the secure message is call you can never get through when you do call. How can a consumer get help if they can't reach a creditor?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-29
Company: Navient Solutions, LLC.
State: NJ
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 am a customer of Navient. Approximately 3 months ago, my student loan payment was lowered approximately {$15.00} without my consent. While lower payments would normally not be something to complain about, I just found a letter from Navient informing me that this would result in " now hav [ ing ] more time to replay the same loan balance resulting in lower monthly installments but the overall cost of your loan will increase. '' I then attempted to go on Navient 's website and adjust the monthly payment myself but it is literally not possible to do that. The only way to change the payment is to call. I then called and the representative tried to give me a different payment that was " automatically calculated. '' I then told her exactly what I wanted my payment to be and she said she would have to speak to someone else because you ca n't just pick the number you want. After some back and forth ( and complaining ) I was able to get the payment I wanted. 

This seems to be a not so subtle way for Navient to increase the interest they collect on loans. Again, I did not ask for my payment to be lowered and I have no negative activity on my account that would change my status with them. I am not sure if this is common practice but it seems, if not illegal, extremely disingenuous. I do understand they sent a letter informing me of the change, but I also think we can agree that most are not likely to read the letter and/or note the implication.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Harassment ( multiple calls and emails nearly every day ), unwillingness to give me an affordable monthly payment ( $ XXXXa month is well over 50 % of my income ), I was told that if I payed less, they would n't accept it, Demanded that I pay XXXX of dollars before they would renegotiate my monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I was attending the XXXX college XXXX and i have a genesis loan and i would like to know if they were included in the CFPB settlement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX XXXX have wrongfully placed a collection account on my XXXX, XXXX and equifax credit bureaus.The collectors responded in CFPB complaint XXXX that I had electronically executed a lease in XX/XX/2017 resulting in the debt.I did not execute this lease nor give anyone permission to do so. 
I have attached an FTC report and affidavit along with the CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX A Account XXXX : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXhas violated my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-10-12
Company: National Credit Systems,Inc.
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
National Credit systems claims I have a debt from breaking a lease at an apartment I lived in in 2012. The amount that is being said I owe is over XXXX $ When I contact the credit company they can not tell me or show me in my lease where I am obligated to pay for rent even though I gave a 30 day written notice. I was under the impression that if I gave the apartments a 30 day notice that was all I had to do. The credit company can also not see where it says in the copy of the lease that they have obtained that I would be required to pay for these months. They have called and requested more information from the apartment company to no avail. After many conversations with a supervisor, i made a phone call to National Credit Systems to get more information today and requested I speak to the same supervisor I have been speaking to, however I was transferred to a representative. When I tried to stop the representative and tell him I was working with a supervisor he proceeded to scream in to the phone numerous times that " I was rude '' When finally in contact with the supervisor she stated to me that the information requested from the apartment complex was just to " do me a favor '' not because they needed the information to verify this was correct information. She then told me that I could call back after I receive a letter from the apartments. This information is not correct and is affecting my ability to purchase anything.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a {$400.00} Citi bank promotion. The {$400.00} promotion required {$15000.00} to be deposited. They failed to send me a PIN so I wasn't able to open online banking and fund my account with the required amount. Due to the COVID lockdown their physical locations were closed. I reached to them on the following dates to solve the situation on time but they never got back to me : XXXX XX/XX/2020 ( got a replied for them to tweet back on XX/XX/2020 ) XX/XX/2020 XX/XX/2020 XX/XX/2020 Chat XX/XX/2020 XX/XX/2020 XX/XX/2020 Calls XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ( they opened a case for me ) They were not helpful at any time. After going through so many hoops on XX/XX/2020 they opened a case. They denied me and never even informed 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 2015-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Delinquent account

Complaint:
I 've had this Bank of America credit card since XXXX. This is the ONLY card that my wife and I have that does not have the ability to setup payments online to pay the minimum payment each month automatically. Instead, it requires that you declare a payment amount to make automatically each month. Since we did n't use this card often, years ago, I set it to pay {$50.00} per month believing that it would easily cover the minimum payment and then some if we did decide to use it. For literally years that assumption held true. This XXXX, purchases were made that resulted in the minimum payment being greater than the {$50.00} that was setup previously. As soon as I realized the problem, unfortunately in XXXX of XXXX, I payed the overdue balance, and contacted Bank of America to attempt to have my credit report corrected based on several limitations on their part : First, we NEVER received supplementary contact to indicate a problem. It is true that I did sign up of paperless statements in XXXX, and I routinely do not check those statements because I rarely use the card. If there were a problem, I had expected Bank of America, like ALL of my other creditors do, to attempt to contact me to indicate such. NO phone calls or letters were received to indicate a problem with the account. 
Second, this is the ONLY account that we have that does not have an option to pay the minimum payment each month on their online bill payment system. Coupled with a lack of communication from the Bank, it would seem to me that this situation was engineered to make money for the Bank through the generation of late payment and over limit fees. 
I submitted requests to Bank of America several weeks ago to make the requested adjustments to my credit report given my exemplary history with them spanning a decade, the above described limitations, and my immediate payment to bring the account current on the day that the problem was finally brought to my attention. When I called today to follow up on the issue, I was notified that my request was denied. I asked them to reconsider my request, and to escalate my request beyond the department that had made the decision to deny my request and was told that was not possible. At that point I cancelled my account with Bank of America and notified them at the same time that I would be making a formal complaint with the appropriate consumer protection agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-10
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
When trying to set up my XXXX bank account for payments, Citi charged me a {$29.00} fee claiming that Citi IT system failed to connect with XXXX  IT system and that my payment was therefore flagged as return by Citi IT system. Therefore I was responsible for paying this fee because the option to reverse this fee is not available in Citi IT system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Exeter Finance Corp.
State: IN
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:
XXXX XXXXXXXXhard inquiry that I never did myself

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
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: Personal information incorrect

Complaint:
hey, I sent a dispute letter XX/XX/2020 and as of today I still havent recieved a response and by the law if im not mistaken the bureaus have 30 days to respond

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 2015-08-05
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I attended XXXX XXXX XXXX University XXXX XXXX and owe about {$110000.00} in private student loans. I am not able to make the payment of over $ 4,000/month because I am not working in my field XXXX. I am also experiencing a financial hardship XXXX loss of job ). I am not able to make these payments and do not want to default and ruin my worked-for credit score!! What do I do help? Navient is impossible to deal with and they wo n't help me at all. Can I lower my payments?? Can I postpone them until I am working again?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
XXXX/XXXX/2016 On XXXX/XXXX/2016 XXXX XXXX returned dispute form to bank of America disputing {$150.00}. XXXX XXXX 's bank of America mastercard XXXX XXXX XXXX XXXX failed to dispute {$150.00} charge from XXXX XXXX/XXXX/2016 which was returned to XXXX via XXXX XXXX because punch did not work. Resolution is immediate permanent credit of {$150.00} from bank of America. XXXX XXXX XXXX/XXXX/2016 Collapse transaction for Transaction date : XXXX XXXX XXXX MA Transaction date : XXXX/XXXX/2016 Card type : Mastercard Transaction type : Purchases Merchant description : STATIONARY, OFFICE SUPPLIES, PRINTING AND WRI Merchant information : XXXX, MA Reference number : XXXX Dispute this transaction Type Purchases {$150.00} XXXX XXXX 's bank of America mastercard XXXX XXXX XXXX XXXX failed to dispute {$150.00} charge from XXXX XXXX/XXXX/2016 which was returned to XXXX via XXXX XXXX because punch did not work. Resolution is immediate permanent credit of {$150.00} from bank of America. XXXX 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 monetary relief
Consumer complaint received 2017-03-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
on XXXX 2017 my mortgage account with Select Portfolio Servicing was {$79000.00} the next day it was change by account manager to {$80000.00} which is more the my original balance of {$79000.00}. the XXXX of the month is when the SPS reports to the credit reporting agency. I fill a deputes with XXXX to no avail. i have documet which i will upload. please make this mortgage company make this correction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I notified Experian that an account on my credit report from XXXX XXXX should be removed and they are continuing to report it. XXXX agreed to remove their trade line from my report due to a complaint I made with The Consumer Financial Protection Bureau. I disputed the account with Experian 's on-line dispute process and uploaded the results from XXXX that clearly state the account should be removed Instead Experian is reporting it as a paid account. The letter explicitly said the item would be removed. Experian did not remove the account. I tried to call, but Experian will not accept phone calls for this 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 2015-04-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
After i graduated XXXX I attempt to find employment in the my field of study, but was un successful. I found employment else where, but I was laid off ( XX/XX/XXXX ) thru a site closure for XXXX. During my employment i struggled to make my Loan payments, but i managed. I obtained employment in XXXX making a only {$XXXX} a year, which is a decrease in pay. In addition, I need to commute XXXX hours XXXX way to my new employment. Which has cause a large expense in gas. With all this i still unable to pay the current payments the offered to me by Navient. They are very rude when they call me and just insist I need just pay the loan. I would be more than happy to if i was able to find employment that would pay what i expected when i went to school. I currently owe {$240000.00} in all my student loan. I wish i would have never went to school. The promises and dreams they set forth in the finance office of the school seems realistic. So, at the time I did not have a doubt i would not be able to pay this off after college. Making only {$XXXX} and owing a house ( {$240000.00} ) is putting a strain on my health, as i stress over this daily and the constant calls do not help. No matter what amount i pay monthly i will never pay this off and will die still owing an education I will never be able to use. I am asking please help me forgive the interest on all my loans and have my payment be applied to my principle balance and lower a payment i can afford. I am very desperate they other thing for me to be homeless and without food, to pay the loans ( which the balances never will go down ). PLEASE HELP! ASAP! Thank you in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, the Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting inaccurately on my report : XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX  XXXX XXXX XXXX : {$810.00}

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 non-monetary relief