BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-11
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
XX/XX/XXXX XXXX XXXX/ NAVIENT XXXX action to collect debts for student loans for which I requested verification. I was told over the phone I had used all in-school deferment and they were going to report it to the credit bureau without verifying because they did n't have to verify at this point. I never claimed ownership of the loans, I asked for all communications to be written because the employees of XXXX XXXX/ NAVIENT would call 6-10 times a day from different numbers and yell and communicate threats to me. When I told them I was in professional school they got even more aggressive and called 6-10 times daily from XX/XX/XXXX-XX/XX/XXXX to " intentionally disrupt me until I make a payment. '' Then XX/XX/XXXX they did negatively impact my credit and I sent them a legal document detailing every illegal thing they did in a letter letter with the help of PACER.GOV along with a police report filled for harassment and again asked then to keep communication civil and written so that there can be clear language used to discuss the loans XX/XX/XXXX. They never responded nor did they ever attempt to verify, they never tried to contact me again. This month XX/XX/XXXX they handed my accounts over to XXXX XXXX XXXX , XXXX to which I requested them to verify claims made by XXXX XXXX and requested that they not contact via phone but that they mail a letter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My husband and I were facing foreclosure back in 2005 for property located at XXXX XXXX XXXX in XXXX, Texas. We had a mortgage insurance policy in place at the time. We approached the mortgage company, XXXX, regarding a short sale to prevent the forclosure process. XXXX told us that we could " only sale the property if we signed a promissory note to pay back the insurance company '', XXXX XXXX XXXX We sold the home and are currently paying back a non-collateral promissory in the amount of {$20000.00}. We recently discovered that this practice was inappropriate/and illegal for both mortgage and insurance companies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I received free-and-clear property ( primary residence ) in a divorce settlement in XXXX, XXXX. I then took out a HELOC loan with Bank of America ( " BOA '' ) to pay for debt incurred on the property to pay for renovations. In XXXX, the HELOC amount was rolled-over to a conventional, 30-year fixed mortgage ( sold to XXXX XXXX ) with BOA. However, BOA never filed the necessary paperwork to put the HELOC into a second position. Technically, I had ( XXXX ) first mortgages. Foreclosure was filed XXXX XXXX, XXXX. Because XXXX loans with considered first mortgages, they were treated as coupled together by the foreclosure documents. BOA kept the HELOC open on my credit report until XXXX, XXXX and erroneously reported late payments for years XXXX, XXXX, XXXX, XXXX. BOA admitted verbally that they were in error with the filing of the mortgage documents, with the title company, and with their internal accounting system. I have never received documentation concerning these transactions as promised. As of today, I am being denied credit for inaccurate information reporting by BOA to all XXXX credit rating agencies.

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 2020-07-11
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
COMMENITY BANK AND VICTORIAS SECRET ARE THE WORST. THEY SOLD MY DEBT TO XXXX XXXX XXXX AND WHEN I CALLED XXXX TO PAY IN FULL FOR DELETION, THEY DID NOTHING! XXXX DELETED THEIR NAME FROM THE COLLECTION INSTEAD OF DELETED THE ACCOUNT IN FULL. AS PROMISED, LIKE I HAVE IN WRITING FROM THEM. THE ENTIRE COLLECTION FROM COMMENITY BANK WAS SUPPOSED TO BE REMOVED FROM MY CREDIT REPORT. COMPLETELY ERASED. INSTEAD, XXXX TOOK MY MONEY AND GAVE THE ACCOUNT BACK TO VICTORIAS SECRET/COMMENITY BANK. I HAVE BEEN TRYING TO FIGHT THIS FOR 2 YEARS NOW!!!!! THIS IS RIDICULOUS!! XXXX SAYS IT IS OUT OF THEIR HANDS NOW AND COMMENITY BANK/VICTORIAS SECRET SAYS THEY CANT DO ANYTHING AND THAT THEY DONT HAVE ANYONE I CAN TALK TO ABOUT IT! THIS WHOLE THING HAS BEEN A NIGHTMARE!!!!!!!!!!!! I HAVE CONTACTED XXXX, VICTORIAS SECRET CUSTOMER SERVICE, COMMENITY BANK, AND EVEN DISPUTED THIS XXXX   XXXX  ACCOUNT FOR 2 YEARS AND STILL ONGOING!!!! THEY REFUSE TO DELETE THIS COLLECTION EVEN THOUGH I HAVE A LETTER DIRECTLY FROM THE DEBT COLLECTOR STATING IT WOULD BE A SETTLED PAYMENT IN FULL FOR DELETION!!!!!!!!! REMOVE THIS COLLECTION NOW!!!!!!!!! -XXXX   XXXX XXXX , IL OR XXXX , IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: National Credit Systems,Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
i was contacted by national credit systems inc they informed me they were collecting a debt on a defaulted apartment lease XXXX. i informed them i have lived XXXX all my life and then filed a police report and mailed it to them via certified mail. They keep sending me bills demanding that i pay them {$3200.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We are behind by 1 day on our personal loan from Onemain Financial in XXXX Pennsylvania. They call myself, my wife, and my mother ( whom does not live with us ) normally 20 times or more per day each. They have been doing this for four months now. They use multiple numbers, we have asked for them to stop harassing us they always get their money it 's never more then 21 days late ( 1 time ) mostly 7 days late, because they do n't allow us to change our due date. We make our payment which is supposed to be {$240.00} but we pay {$250.00} to allo {$4.00} to go towards the principal. He keeps telling us we are two months behind, however we are not. The calls start the day the payment is due and continue until the payment is made. We have had legal action threatened against us for being 1 day late! He told me that there was a {$7.00} charge that causes their system to assume we are 2 months behind but since we pay {$4.00} more every month that charge should n't exist. It 's more then a " system '' thing they physically dial the numbers and intentionally harass us because we do n't answer their numerous calls after we tell them when we will make our payment A date and time is given but the calls keep coming 20 or more times per day each.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: National Credit Systems,Inc.
State: TX
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:
I lived in XXXX XXXX XXXX for two years and have been having problems with them since before I moved out in the end of XX/XX/XXXX. I paid my rent early more than XXXX time and XXXX of the times they tried to evict me for unpaid rent. I have every rent receipt from them starting from XXXX - XXXX. My car was broken into XXXX times on their property, before I moved out someone broke into my apartment while I was at work, I have police reports for all of these things as well. After my apartment was broken into they put a note on my door saying I owed {$100.00} for unpaid rent. I am on XXXX, so that is why you will see different amounts. But I attached my run down from XXXX, so even if there was unpaid rent due I would NOT owe the full amount. And if I did even owe them a full months rent that would mean I would have had to not pay my rent for more than one month. And if I did n't pay more than one months rent why was I NEVER evicted? Why are they coming after me for the full amount and not charging XXXX XXXX for not paying their portion? Cause it 's a false claim. They sent my name to XXXX collections and I asked them to prove the debt they sent me a bill & I sent them my proof. They left me alone and a year later another collections agency is trying to collect from me. They have reported this to my credit which is effecting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX-XXXX-XXXXConsumer Financial Protection Bureau AndSenator XXXX XXXXLast year XX/XX/XXXX I filed complaints against Bank of America. Case numbers XXXX and this year case number XXXX. I was happy to report back that Bank of America was working with me concerning Loan Number XXXX. All I wanted was to be allowed in a Short Sale and for the bank to be fair with me. 
After XXXX year, having detailed phone calls, emails and XXXX Contracts on the House, I find out its all been a lie I was told verbally that I was approved for short Sale. I received a letter from XX/XX/XXXX stating I was. But for the last XXXX months I have been trying to remove an IRS Lien off the Property I find out today that I have not been approved ( only an Candidate ) I said all along I did not trust Bank of America. They miss led me for over a year accepting Contracts, working with my Realtor,, etc. while I am thinking I am in a short Sale. Running up the totals and closer to foreclosure. The problem did not surface until I was trying to remove an IRS Lien in order for these buyers could close. I asked repeat ally for the Documents the IRS was requesting. I feel I was lied to and the Home is now in Foreclosure. I have exhausted very attempt to make this work. I feel beat up and abused and giving upI am disgusted with Bank of America and I do n't believe anything they say.. To be honest writing this letter will not help either. So I guess Bank of America the BIG GIANT wins. 
This is beyond being unfair, A lot of people has worked hard this past year, all for what? 
XXXX XXXXLoan Number XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance to the fair credit reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have to be right of privacy. 

15 USC 1681 Section 604 A section 2i it also states a CondumeT reporting agency Can not furnish a account without my written instructions. 

15 USC 1666B : A Creditor a payment On a credit card account under a open end consumer Credit plan as late for purpose.

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 2017-01-06
Company: National Credit Systems,Inc.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Had no idea I owed the Debt Collection Company any money for an apartment that I rented. When I moved from the apartment I owed no money to the apartment complex. Balance of {$830.00}. The apartment company attempted to collect money of which I do not owe, never presented me with a full break sheet showing me why i owe the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CA
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:
Based on all the news about the lawsuits against Navient, I 'd thought I 'd make a formal complaint that seems to be in line with the lawsuits. I 'm actually speaking on behalf of my wife, but I 've thought for years the way Navient collects and distributes my wife 's payments to her loans has been suspect. I believe they have falsely or deliberately delayed the payment we sent a day later in order to accrue an extra day 's worth of interest when I send two payments on the same day ( one payment being for what is owed via the IBR plan and additional payment to decrease the principal ), they never both hit the loan on the same day. I 'm sure there 's other issues I 'm missing too, but we have been trying to pay more than what the plan calls for to try to pay off the loan faster, and it never seems to make any dent in the total loan amount. This would most definitely be the case if Navient is indeed trying to swindle us and not credit our payments to them in timely and ethical matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX failed to correctly file medical bill with XXXX. Filed with XXXX in wrong name. Account was sent to a collection agency Receivables Management Systems. I made calls to XXXX XXXX and learned they had not put my name as it appears on my XXXX card and XXXX would not pay the bill. Consequently, due to XXXX not paying our other XXXX insurances rejected the claim as well. 

We have XXXX and XXXX. However, if XXXX denies a claim for any reason it is rejected by the secondary and third insurance. 

I have also learned even though I spoke to XXXX XXXX in XXXX, XXXX, the file was not resubmitted until XXXX XXXX. This caused the Receivables Management Systems to continue to carry the bill as a collections. 

I spoke to XXXX at Receivables Management Systems before the account was added to my credit file and let her know that the bill had not been properly submitted for payment. She said she would wait to hear back from XXXX XXXX. But the account was still placed in collections and sent to the credit bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX and myself! Please send the proper validation

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 2015-09-22
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have had a long standing negative account with XXXX, I have paid this in full long ago and in doing so the collection agency hired, agreed to delete the account from my credit report. I have faxed over the documentation more than once, but was told to deal strictly with the collection agency, after numerous disputes, despite documentation XXXX was provided, they are not doing anything. I disputed this already once, even the statue of limitations in Michigan is 6 years, the credit reporting agencies status was " XXXX XXXX .... 
PLEASE CONTACT CREDIT XXXX AT -XXXX-this was all I got. I feel like we are going in a circle over and over again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
this is a continuation of complaint XXXX banksaid that they had previously looked at the complaint andbasically refused to look at the facts again. they have notlooked at them the first time. this is not acceptable. 
they want me to go back to my credit union. the creditunion did not submit the check, Bank of America did ( note onsignature line says that check was verbally authorized bytheir depositer ). 
bank of america used a pre authorized checkBank of America submitted it overa, month after the loan had been paid off. 
the loan number is on the front of the check. 
the back of the check proves it has been cashed. 
b of a maintains they did not cash the checkthey are misrepresenting and denying what thefacts show happened.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: SC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. Iresearched how to remove the fraudulent items in my report and found that I need to visitFEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section605b Credit Reporting Agencies are required to remove/block any items listed on an idtheft report. Please find the ATTACHED documents to assist in blocking the erroneousinformation which is being posted to my report. Here is the list of items that do not belongto me or were opened without my permission. XXXX XXXX ; XXXX XXXX ; XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX  XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Owed : {$470.00} ; XXXX  XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$570.00} ; XXXX XXXXXXXX Balance Owed : {$200.00} ; XXXX XXXXXXXX Balance Owed : {$680.00} ; XXXX XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Experian Information Solutions Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I attended XXXX XXXX in 2012 and they did n't not tell me that I was signing up for student loan, i was first to get my XXXX which I never did. So I got charged for a student loan that I never finished or even got a XXXX, and they signed me up for college! Now I have a XXXX debt on credit score for something that 's was not explained to me. If I new that I would have never sign.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: LD Holdings Group, LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX, 2016, I used a website ( I believe XXXX XXXX ) to inquire about refinancing my mortgage. Naturally, as a result of this query, I received a number of telephone calls from various lenders, XXXX of which was LoanDepot.com. I never authorized, granted permission, or indicated with any of these lenders that I wanted to move forward, mainly because my local credit union offered the best terms and I already had an existing relationship. However, on XXXX XXXX, 2016, I received a full loan packet ( completed mortgage application, addendums, etc. ) for a 10 year mortgage for $ XXXX, from LoanDepot.com, license ID XXXX, requesting signatures for loan ID XXXX. I subsequently called the loan officer listed on the documents, XXXX XXXX, license ID XXXX, telephone XXXX and left him a voicemail indicating my dissatisfaction especially since I never expressed interest in proceeding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I received a copy of my credit reports and noticed some erroneous items on my credit reports. After reviewing my records I could not find any documentation of any contractual relationship between me and Midland Credit Management Agency who reports and represents a Credit Card Company. 
This is not a request for verification or validation. This is a request for strict proof of a copy bearing my signature. I have sent certified letters dated XXXX/XXXX/XXXX and another on XXXX/XXXX/XXXX to provide me with a copy of an original application with my signature but to no avail. MCM Inc insists that I have a charged off amount totaling {$810.00}. To show how irresponsible and negligent they are, in their most recent response I received an invoice belonging to another consumer, which is presently in my possession. They have violated the FCRA and at this point and time they must delete all negative items from their report. I will not upload this consumer 's personal information until I get a response.

Company response to consumer: Closed with non-monetary relief