BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-22
Company: GREAT LAKES
State: OH
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:
In XXXX I requested to be put on the Income based repayment plan. I was ( and am still ) working but could not afford my bill. After some demanding they did put me on the IBR plan at Navient. Every year I have diligently renewed my application. In XXXX, I had lost my job and pretty quickly was hired by a non- profit. I called Navient and asked how this affected my IBR plan. They told me that I was still eligible and that my loan would only be for 10 years as long as I requested each year for my IBR renewal. In XXXX, I learned that ( on my own, not from Navient ) that it is a good idea to check with your loan company to be sure that you have Qualifying payments and loan forgiveness. I began then to send the forms for loan forgiveness. It was not until XX/XX/XXXX that I learned that my student loans were not eligible for forgiveness unless I consolidated them to a different loan company - XXXX. So in XX/XX/XXXX I began the process of consolidating to XX/XX/XXXX since I still work for a non- profit at very low wages and still can not afford my student loan payment. I feel however, that Navient did an injustice by not telling me that my student loans were not eligible sooner and not notifying me in anyway that I would need to consolidate with a different company. I lost seven years of qualifying payments for loan forgiveness and had to start all over again at 120 payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XX/XX/XXXX I RECEIVED A COPY OF MY CREDIT REPORT FROM TRANS UNION DATED XX/XX/XXXX WHICH IS ATTACHED. I DISCOVERED NUMEROUS ACCOUNT REVIEW MADE BY XXXX FROM XXXX XXXX XXXX. XXXX INQUIRIES WERE MADE XX/XX/XXXX, XXXX INQUIRY EACH MONTH PRECEDING XX/XX/XXXX. I WAS TOLD BY THAT NOTHING COULD BE DONE ABOUT THESE INQUIRIES SINCE I HAD AN ACCOUNT WITH THEM WHICH IS AND WAS NOT TRUE. I EXPLAIN TO TRANS UNION THAT I DID N'T HAVE ANY BUSINESS WITH AND AGENCY AND THEREFORE THEY HAD NO VALID NEED OF MY CREDIT INFORMATION OR ACCESS TO MY CREDIT FILE.I AM APPEALING TO YOU STOP THIS PRACTICE AND ENFORCE THE FAIR CREDIT REPORTING ACT. I HAVE HAD SIMILAR PROBLEMS BEFORE AND THE XXXX RESPONSE WAS " WE CA N'T MAKE THEM RESPOND TO US. '' THEREFORE NOTHING WAS DONE TO PROTECT MY RIGHTS BY THIS STATE AGENCY, THIS WAS DONE XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Prestige financial constantly uses tactics such as harrasment and providing false information in an attempt to receive vehicle loan payments. I was advised for my XXXX 2015 payment that I owed an additional {$340.00} in fees. I received no advance warning via mail, email, text, or telephone although they constantly use those methods ( excluding mail ) to harras me if I am one day or more late with making a payment. I requested Prestige provide me with breakdown of additional charges on XXXX/XXXX/15 and as of today have not received any documentation, and am still being harrassed to make payment for fees. Prestige has reported multiple inaccuracies regarding car loan, and it has gotten to the point I dont even know my accurate loan balance. The online system reports one amount, and the representatives give you another amount. Prestige financial uses predatory lending practices and needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: Tebo Financial Services, Inc.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I can only make my payments online or by calling into the business, but I will be charged a {$5.00} fee. I have been denied access to my account online for the last 8 months. I have no way of getting my balances and seeing if any of the payments I am making are being applied to my balance. I do n't have a coupon book or receive any statements from this company. I have been asking to have access back to my account and the only thing I am told I am sending to the supervisor to unlock your account. I am constantly harassed both at home and on my cell. I have so XXXX and I would just like to know what my balance is and at least get a email telling me where my account stands. I feel that I am blindly making payments and I will like to get a resolution to this ongoing problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a {$1000.00} payment to Ditech Financial LLC on XXXX XXXX XXXX that has not been credited to my account ( XXXX ). I have sent a copy of my bank statement showing the payment. Ditech told me this was not good enough proof and they could not find the payment.They instructed me to go to my bank and get a check or tracing/tracking number which I faxed to them on XX/XX/XXXX. I am still not getting results from all the information I've given them. I am also being charged late fees. they have recently transferred my account to XXXX XXXX ( XXXX ). I feel as though Ditech is giving me the run around and making me jump through hoops to avoid doing anything about my " lost '' payment especially since they transferred my account. Please help me correct this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient 's customer service rep factually and legally misrepresented that I could not lower my monthly payment back to the minimum without defaulting on my loan, and he encouraged me to become deliquent in my repayment. Navient improperly applied a lump sum payment, when I was current and in good standing, in part to interest and against my express intent to apply it to pay down principal. Navient improperly applied late fees. Navient 's wesbite and account history is innacurate and misleading. Navient failed to adequately explain or disclose terms and allowed oral modification of the repayment, without providing sufficient explanation, in violation of the terms of the promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Navient Solutions, LLC.
State: CT
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 am having trouble with Navient. This is n't my first time. They are demanding that I pay close to {$1600.00} a month for my student loans - a very substantial increase from the {$500.00} I have been paying. I only bring home {$1600.00} a month from my job as a XXXX Team Member at XXXX XXXX. I am lucky enough to still live at home with my parents, essentially with free living expenses, but I do have a car payment, car insurance, and other living expenses I must meet. They will not come to terms with me but rather are hassling my father and aunt who are co-signors on the original note. Neither of them are able to pay what Navient is requesting either. My aunt is XXXX and retired with a very limited income. My father is in his last year of employment before he retires. I am not unwilling to repay my loans but I need to come to an agreement with Navient so that it is an amount I can afford. I borrowed {$57000.00} originally. I have been paying for 7 years and still owe {$80000.00} due to the compound interest. I will never be able to repay them at this rate. I will never be able to leave my parents ' home either to live on my own. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: IL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States , if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2016-01-26
Company: Navient Solutions, LLC.
State: LA
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 just do not know what next steps to take regarding my private loans. I can not afford to pay on these loans at all. I only brought home XXXX last year and I am a single parent. I would like to pay what I can which is not a lot, but the lender is saying it 's not enough. Since I have graduated I have not had a good paying job that will allow me to pay for my private student loans without sacrificing necessities. I have been trying hard to find a better paying job but I am afraid that the negative marks from these loans on my credit report are playing a huge factor as to why I am not able to succeed much in being offered a better paying job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 

XXXX XX/XX/2015 Banking XXXX XX/XX/2015 Banking XXXX XX/XX/2015 Banking I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.

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 2016-05-24
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:
I recently submitted financial information to Navient for the IBR annual review. I received notice from Navient that they had received the documents but received an additional email stating that 'one of your loans can not be considered for IBR ' or words to that effect ( my loans were consolidated years ago ). I called to clarify this issue as it made no sense. I was told 'do n't worry about it. It 's a mistake and we 've received lots of communications from others who got the same mistaken information. ' This is the second time that Navient has sent mistaken emails to me after I sent documents required and requested for IBR review. It 's very XXXX to get these mistaken communications. And it 's disturbing to understand that many others are receiving similar emails. I have not yet received the results from Navient regarding my new monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Noticed {$25.00} fee on my XX/XX/XXXX Mortgage Statement from BofA. When I called to inquire, they said, they had done an audit on my account. That fee is from an occurrence XX/XX/XXXX ( over 10 years ago! ) which had never been charged by my prior lender, Countryside Home Loans. Refused to eliminate the fee. Maybe BofA is in desperate need of money?

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 2015-06-02
Company: CL Holdings LLC
State: FL
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 am a victim of identity fraud since 2011. 
XXXX XXXX XXXX XXXX XXXX is representing XXXX XXXX XXXX XXXX & XXXX XXXX XXXX who claims I owe them for purchases made in the amount of {$660.00}. I have already sent them a letter in writing with police report & other documents as proof that I had my identity stolen and that someone duplicated my social to file taxes in this same year. Since then yearly I get my credit report and the government sends me special instructions in order to verify myself when filing taxes. I have never ordered any items nor have I received merchandise at my permanent address ( 10 years ) XXXX XXXX XXXX XXXX XXXX Fl XXXX. I checked the only personal bank I use to confirm that I have not been charged nor was my account used to make purchases to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: UT
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:
My son attended XXXX in XXXX, Utah. When he and I first talked with them about financing his education, we were informed that the total program would cost {$40000.00}, but he was given a scholarship from XXXX in the amount of {$20000.00}, which would leave a total of {$20000.00} that we needed to finance. 

I was given ParentPLUS loans, which we began paying before they entered repayment status. These loans have exceeded {$30000.00}. We just learned that my son also has Stafford loans that are approximately {$14000.00}, which he needs to begin repaying in XX/XX/2017. How can this be? That totals more than the initial cost of the program itself! 

XXXX is now closed for unsavory financial business practices. I believe my son and I are victims of these practices. What do I need to do to see about loan forgiveness in these circumstances? 

Any help you can give is GREATLY appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
Describe what happened so we can understand the issue ... 
I paid XXXX bills at Bank of America on the XXXX. I paid through their online billpay service. XXXX was the closing date for the month. Bank of America credited the XXXX payments for XXXX although I was paying XXXX bill as presented on bill pay. The next day I receive XXXX more bills for XXXX. I called on XXXX and I was told that they could n't switch the payment over to XXXX and that it would be " much more complicated than that ''. The whole process will take 5 additional business days ( with weekends that is 9 more days ). They would now need to credit the XXXX payments back and I would need to repay them again. The whole process would take several days in addition to me providing my checking account and routing numbers over the phone to a complete stranger. I asked to speak to a manager and continue to be on hold for the manager. I do n't want to lose the days of interest as they are figuring this out. I also paid the bill online and was told " never to pay my bill on the closing date ''. I held for the manager for another 10 minutes and was told the same thing. I paid my bill that was presented to me for XXXX online. It showed the minimum balance due. I then received XXXX more bills for XXXX the next day. I do n't want to wait 5 business days more to refund for a payment that was made 3 days prior. That is 8 days of additional interest. Both reps. at Bank of America can not just credit the payment for XXXX? 
Consent to publish the description of what happened? Consent provided Issue Billing statement Date of incident XXXX/XXXX/2016

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 2015-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 'm writing to report questionable activity of XXXX companies attempting to collect a debt from me that is not mine and I did not incur. 

The XXXX agencies are ( 1 ) Bank of America, the original debtor, ( 2 ) XXXX , XXXX, the junk-debt buyer, and ( 3 ) the XXXX XXXX XXXX, XXXX, who is attempting to collect on behalf of XXXX , XXXX. 

I received written correspondence from XXXX XX/XX/XXXX, claiming I owed {$78000.00}, with no reference as to what it was for. I understand upon initial written contact, the debt collector must provide me with certain information, including an itemized account claiming to be owed in connection with the debt including loan principal, interest, and all fees. Additionally, they are to provide me with the debtors name and last known address. On my own, I discovered they were attempting to collect a debt incurred by a business line of credit through Bank of America. Incidentally, I was terminated from that business XX/XX/XXXX. The XXXX XXXX XXXX, XXXX, failed to provide me with the above information. 

I sent a dispute letter to the XXXX XXXX of XXXX XXXX ( return receipt ) well within the XXXX day time period. They have yet to respond, which I know they are n't obligated to do. However, I received a letter from Bank of America on XX/XX/XXXX, also asking me to contact them regarding this alleged debt that THEY claim is for a mortgage loan. The convolution, ambiguity and confusion as to who actually owns this debt, and that no one can tell me exactly what it 's for, is of huge concern to me, and something I wanted to let you be aware of. 

Considering the above, I wish to inform you again that I was terminated from the company XX/XX/XXXX, also released from all current and future liability and obligations arising from the operation of that company, known or later discovered. My ex-husband was awarded the company as his sole and separate property in the Settlement Agreement. He warranted to me there was NO unsecured community debt, which means this line of credit was at a zero balance at the time I was severed from the company in XX/XX/XXXX. Any and all company debt incurred after XX/XX/XXXX, is the sole responsibility of my ex-husband and his company wherein he is 100 % owner. Of course my Marital Settlement Agreement is legally binding and has the full force and effect of a court order. 
Thank you in advance for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Note : This complaint does not match exactly XXXX of the choices above. I selected the closest XXXX. 

I have attempted on multiple occasions to initiate a dispute about an item on my credit report online with Equifax. Each time I try, I enter the correct identifying information and get a message stating the following : '' The information you provided does not match our records so we are unable to process your request online. Please FAX your dispute and a copy of your driver 's license to XXXX XXXX. " I see XXXX problems with this. First, if I am submitting a new dispute, how could my information not match their records? Second, no reasonable person would submit personally identifying information, including their driver 's license, to a fax number without some level of confidence that it is legitimate. If the system can not recognize my correct information, I have little confidence in a fax number. 

My impression of the Equifax Online Dispute system is that it is functioning as Equifax wants it to : It limits the number of disputes that can be submitted online and discourages alternative methods of submission with vague instructions for faxing personally identifying information to an anonymous number. 

Furthermore, when I click the link on the dispute submission page for the FCRA, I get an " Untrusted Connection '' message, which further discourages people from learning about their rights as consumers under the FCRA. 

I have seen numerous reports of the same problem with Equifax online by other consumers. Please add my name to the long list of people who have voiced their frustration with Equifax, about this issue and many others.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
When I set up my checking and savings account with Bank of America, I was assured that I didnt need to opt out of the option to allow my card to work when the account was overdrawn, because I had set up my overdraft protection. Imagine my surprise this morning when my account was - {$400.00}. Had I known on Thursday that my account was overdrawn, I wouldnt have spent all weekend using that account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief