BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-15
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
They called my ex husband in another city and tried to say they knew me and were looking for me. They gave him a false XXXX type company name. They harassed my granddaughters father by saying that they received his number by going through copies of my phone records. They are sending me text messages saying that I am already pre approved to student loan forgiveness when I have ever spoken to them in my life. When I call back to ask when the forgiveness starts, they say I have to fill out paper work to see if I qualify. I have had it with these crazy people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: GA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXXXXXX ( XXXX, XX/XX/XXXX Credit Limit : {$500.00} ), XXXX XXXX ( XXXX, Date Opened : XX/XX/XXXX Balance : {$960.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2015-04-06
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We submitted a Request For Modification ( RMA ) to PNC Mortgage. We fully completed their in-house RMA and the governments RMA form. When PNC Mortgage reviewed the documentation they denied the request on the basis that the non-borrower income was not allowed because they did not live in the subject property. The Borrower : XXXX, a XXXX and his daughter XXXX both attested that they reside in the property. They provided the water bill in XXXX XXXX 's name and the light ( XXXX ) bill also. The PNC Mortgage representative informed XXXX XXXX that his XXXX had to place the light bill ( XXXX ) in her name to prove occupancy. The XXXX bill was then placed in XXXX ( Daughter ) name. The certified non-borrower application was completed as well as the non-borrowers bank statement reflecting the subject property address. 
PNC Mortgage later denied the modification stating that the XXXX account had switched back and forth and the Non-Borrowers {$1200.00} contribution was not accepted because she does not live in the property. The fact is the Non-Borrower and the Borrower do live in the property. To add insult to injury, the Borrower attended a conciliatory mediation with the PNC Mortgage Analyst and legal counsel. The XXXX Judicial Circuit Court stated that ; " the banks representative must attend all mediations with full and complete settlement authority ''. At the conciliatory mediation the PNC Mortgage representative stated he had full and complete settlement authority. But at the end of the hour and a half discussions the PNC Mortgage Analyst declared that before he can make a final decision he has to review the file with the Investor for the loan and it could not take place now. When asked who the investor for the loan was? He stated ; " he did not know ''. That is not full and complete settlement authority. 
Unfortunately, there is no venue for borrowers such as XXXX XXXX to turn to in an effort to cure such flagrant disregard for the rights of borrowers like XXXX XXXX. It seems that at every turn PNC Mortgage changes the rules to confuse, delay and where down XXXX XXXX in an effort to foreclose on his home. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: Direct Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On Saturday XXXX XXXX, 2015 at XXXX XXXX an unsolicited email addressed to me was sent to an email account. The email stated I owed {$790.00} for a cash advance at XXXX XXXX XXXX. 

I have prepared a request for debt validation to be mailed to Direct Recovery Services on XXXX XXXX, 2015. I am concerned that the debt collector sent information about me and the alleged debt to an email account that is not registered to XXXX XXXX. 

Furthermore, the debt collector sent the email from XXXX XXXX 's account ; yet the email states the communication is from someone named XXXX XXXX. 

I am concerned that this correspondence is a scam.

Company response to consumer: Closed
Consumer complaint received 2016-01-09
Company: Reliant Capital Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The correct high balance that was sent to the collection agency has not been reported. The collection agency reported a different amount than what the documentation says. The collection agency did not report the amount that the original creditor provided them with. The collection agency reported XXXX different amounts of {$950.00} and {$1.00}, XXXX. The company is named reliant capital solutions llc.

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 2016-02-03
Company: PNC Bank N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My PNC account which I never use was overdrawn. I made the ACH transfer of the remaining balance and asked to close the account. They debited my XXXX account on XXXX/XXXX/2016 and it had still not posted it to my account after 3 business days. 

They are piling on overdraft fees while still holding my transferred amount and giving me incorrect phone numbers to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-03
Company: Navient Solutions, LLC.
State: CA
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 'm a Navient customer I went to XXXX College XXXX which lied to me about their accreditation. I did not find out that they were not accredited XXXX until I applied for my XXXX Degree at another University. I was denied due to the non-accreditation. Apparently, XXXX College was only accredited by XXXX at the time which most Universities do not accept. However, I was making payments on time for about two years on Federal and Private Loans. All payments were current and fully paid. Without my knowledge or approval Navient took my private loan from XXXX. I did not learn of this until I noticed that I was no longer receiving my billing statement from XXXX. I then made calls and was then informed that both accounts were being serviced by Navient and I was delinquent. I called Navient which worked out a payment plan to bring my account back to good standing. I asked for the XXXX seperate account number so that I could write a check to both accounts each month. Navient refused to give me XXXX seperate account number of both accounts. They told there was no need and that they would split the payment. I agreed and complied with their instruction to send a single check for both loans. A few months past and then again I was notified that I was delinquent. I called Navient again and they informed me that I had not made a payments on my second loan. I repeated to the representative what I was told me on the previous call, to send a single payment for both loans. I was then told that those were incorrect instruction. I told him in full and complete compliance of what the representative told me. I informed him that previous agent gave me disinformation and asked to remove all late fees, any penalties, and to restore the original interest rate. They refused. I asked for a copy of my signed contract and they refused. I was so angry I hung up and I refused to pay as I felt I was being taken advantage of and scammed twice by Navient and by XXXX College XXXX which claimed to have a 95 % success employment rate in the industry. These are all lies to steal money and entrap students in unfair high penalty loans. I can not find a job in the industry as I 've applied over a XXXX positions. This is really has destroyed my confidence in our society. I live in deep despair, mistrust, and hopelessness each day. I wish no one else to go through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: PA
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 graduated XX/XX/XXXX with about XXXX in student loan debt. They were first serviced by XXXX XXXX and I was making intermittent payments at the time because my income just did n't allow me to make the over {$1000.00} a month payment. I went through several forebearances and deferements and then Navient became the servicer. Since then I have tried to get them consolidated or on a lower monthly payment but 2 1/2 years later, I still have payments that I ca n't make and now my debt has increased to over {$77000.00}. What little bit of payments I have been able to make have made no impact and I am still trying to get my loans on a reduced payment plan especially since I had been layed off on XX/XX/XXXX and just went back to work on XX/XX/XXXX. Each time I call Navient they say I was told the wrong steps or the paperwork is n't in the system for the consolidation or the lower payment plan. I never get the same person and I never get the same information. They keep me going in circles so I never know what I should be doing to get things going in the right direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: CITIBANK, N.A.
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hi - I am writing to complain about false advertising regarding a promotion to open a CitiGold Checking account. In XXXX I was offered a promotion via mail that I would receive XXXX AA Advantage Points ( XXXX XXXX XXXX XXXX is worth around {$500.00} ) if I opened a CitiGold Checking account using code XXXX which was entered upon opening the account online. After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. I then met the requirements that I spend {$1000.00} in purchases during first 60 days and set up XXXX qualifying Bill Pay. 

I also confirmed with Citi representatives both that I met qualifications to be enrolled in the offer ( XXXX/XXXX/XXXX ) and that I had completed the requirements and should be receiving the points within 90 days of completing the requirements ( XXXX/XXXX/XXXX ). I have PDF 'd records of these chat conversations but threw out the original targeted offer. 

On XXXX/XXXX/XXXX I reached out via chat saying that my points have not posted and wanted to confirm I would be receiving them. I was told that an investigation will be opened. 

On XXXX/XXXX/XXXX I received a letter stating that my account promotional offer would not be given because there was not a targeted offer on my account even though I confirmed via call/chat that I was eligible for the offer and had met the requirements. I called Citi back and spoke to a manager that said that they would open another investigation and I would hear back by XXXX/XXXX/XXXX. It is past that point and I have not yet heard back. 

I have called numerous times and got nothing but a run-around. They have not acknowledged that if I was not going to receive a bonus it should have been communicated to me during numerous confirmations about the offer. It has been weeks of dealing with this and I am very disappointed that Citi would mislead and treat their customers in this manner. I have been a customer since XXXX and if this is not handled appropriately I will pursue it further with litigation and no longer do business with this company ever again. 

I appreciate any help the CFPB can offer to resolve this issue in a timely and satisfactorily manner. I can provide PDFs of the chat records if need be. 

Thanks, 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 non-monetary relief
Consumer complaint received 2015-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hi my mortgage with Bank of America, loan number XXXX, property is XXXX XXXX XXXX, XXXX XXXX NJ XXXX. I was discharged in a Chapter XXXX bk XX/XX/XXXX, the mortgage was included in the bankruptsy. The bank was to stop reporting the XXXX bk was dismissed. I shortsold the home for them after many attempts to modify the mortgage XX/XX/XXXX. XXXX issues XXXX the bank admits they was to stop reporting the mortgage XX/XX/XXXX, however continued to report until XX/XX/XXXX, they need to correct that with the credit vendors, they are well aware of this as they admitted it to me on the phone, yet have not corrected. Second issue is they have the home as a foreclosure in XX/XX/XXXX? It was not it was discharged in a bk XX/XX/XXXX, it shortsold through their shortsale dept in XX/XX/XXXX. This is damaging my credit as they have incorrectly reported it. I lost my job through the financial meltdown and had to do what I had to do. However due to their errors in not reporting the facts on my credit they are continuing to hurt my credit and cause me harm. I want it corrected immediately. I do n't want calls from them telling me they are working on it, I want it corrected. Its their fiduciary responsibility to report the affore mentioned events correctly and they need to be held accountable and get it right! 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Recently contacted Navient to ask what the " Unpaid Accrued Interest '' was that was recently applied on the account. I have been making the payments on the account for the last two/three years, and it should not have had any missed or unpaid interest on the account. 

On XXXX/XXXX/XXXX, I spoke with XXXX ( XXXX ) about the {$94.00} that was added back to my account under the line item described as " Unpaid Accrued Interest '' on an account summary letter. 

After looking into the account, he identified the original balance financed and that the account was on a payment/interest reduction plan back in XXXX and XXXX. He explained the interest is coming from the interest reduction plan and added as " Unpaid Accrued Interest '' and added back to the loan. 

When I asked if they ( Navient ) were trying to make up for the lost interest while the account was on an interest reduction plan. He replied, " Yes ''. 

He offered his advise to refinance at a lower interest rate ( currently at 11.25 % ) or suggested that the borrower and myself pay-off the loan. 

It is my understanding that an interest reduction plan should be for that period of time and after that plan is complete, the consumer should n't get penalized for the plan by adding the lost interest back to the loan. Otherwise, why offer or have the option of these types of plans, if the company is going to try and get the money back from the consumer anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
BANK OF AMERICA REFUSES TO ANSWER QUESTIONS OR GIVE A VALID ANSWER, Subject : Your submission, number XXXX We reviewed the complaint you submitted and sent it to the company for a response. 

The company was unable to respond to your complaint because they believe you may have been a victim of fraud. You may want to contact the company directly for more information. 

THIS IS NO VALID ANSWER, ITS XXXX!!! OF COURSE IM A VICTIM OF FRAUD, AND BANK OF AMERICA IS THE PERPETRAITOR!!! CRIMINAL, THEYVE BEEN REPORTING ON A DEBT THATS ALLEGED, THEY CANT SHOW ANY VALIDATION NOF DEBT, FURTHERMORE ITS OVER 7 YEARS OLD!!! AND THEY PERSIST ON COMMITING CRIMES, THATS OK, WHEN THEY RECEIVE MY COMMERCIAL AFFIDAVIT AND DO NOT RESPOND THEN I WILL FILE A NON-JUDICIAL COMMERCIAL LIEN AGAINST THEM BECAUSE OF THEIR PROVEN CRIMINAL INTENT RIGHT HERE ON THIS PUBLIC FORUM IVE COMPLAINED ABOUT 10 TIMES AND THEY REFUSE TO ANSWER SILENCE IS ACQUIESCENCE SILENCE IS FRAUD SILENCE IS GUILT THEIR XXXX CRIMINAL WORKERS IN THE FRAUD DEPARTMENT KEEP ASKING ME FOR A DEBIT CARD NUMBER FROM 8 YEARS AGO,!!!! THATS PRETTY XXXX!!!!! 
FURTHERMORE THEY CAN NOT PRODUCE A VALID CONTRACT WITH ME AND THATS MORE DAMAGES!!!! THE ACCOUNT HAS BEEN CLOSED SINCE 2009,!!! 
XXXX CRIMINALS!!!!!

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 2016-08-09
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I TOOK A LOAN IN XX/XX/XXXX TO ATTEND COLLEGE AT XXXX XXXX UNIVERSITY. I GRADUATED FROM ANOTHER COLLEGE IN XX/XX/XXXX. 
AT THAT TIME NATIONAL COLLEGIATE LOAN TRUST WAS UNDER A DIFFERENT NAME. I COULD NOT PAY BACK THE LOAN BECAUSE WHAT THEY WERE ASKING FOR PER MONTH WAS SOMETHING I CAN NOT AFFORD DUE TO MY INCOME. THEY WERE NOT WILLING TO WORK WITH ME. IN XX/XX/XXXX, I RECEIVED A LETTER FROM A DEBT COLLECTOR FROM A LAW FIRM THAT I WAS ORDERED TO PAY OVER {$28000.00}. MY MOTHER, XXXX XXXX, WAS ALSO COSIGNER. I SETTLED WITH THEM TO PAY XXXX A MONTH UNTIL PAID OFF. I MADE 12 PAYMENTS OF XXXX ON TIME UNTIL XXXX XXXX. I LOST MY JOB, AND MY MOM COULD NOT PAY THE LAW FIRM BECAUSE SHE NEEDED TO HELP ME. IN XXXX XXXX, I RECEIVED A LETTER OF DEFAULT OF LOAN. I RECEIVED A NEXT LETTER THAT THEY NEEDED PROOF OF WAGES AND ASSETS FROM ME AND MY MOM, AND DUE WITHIN 45 DAYS. IT HAS ONLY BEEN A FEW MONTHS SINCE WE HAVE NOT BEEN PAID THEM. I HAVE SINCE FOUND A JOB IN XXXX, AND WE WERE GOING TO START PAYING THEM AGAIN. BUT NOW THEY HAVE GONE TOO FAR TO TRY TO COME AFTER OUR WAGES AND ASSETS. I AM A SINGLE MOTHER WITH XXXX CHILD, AND MY MOM IS ABOUT TO RETIRE -- I WILL NOT ALLOW THEM TO TAKE AWAY WHAT WE HAVE WORKED HARD TO EARN OVER A FEW PAYMENTS THAT HAVE BEEN MISSED. I HAVE ALSO PETITIONED TO FILE FOR CHAPTER XXXX BANKRUPTCY, BUT THIS DOES N'T TAKE CARE OF MY PRIVATE LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Leased a vehicle through chrysler capital XX/XX/XXXX. I moved forward with buying out the lease XX/XX/XXXX/XX/XX/XXXX, as my spouse was pregnant and this was the best decision for my family. My spouse and I worked with our credit union to buy out the lease. When the pay off amount was given to my spouse and our lienholdder, they both questioned Chrysler on several phone calls asking if the state sales tax was in fact included in the pay off amount. My spouse and lienholder were advised on three separate phone calls that the sales tax was included in the payoff amount so there was no need to pay the DMV directly. These phone calls are recorded and on record with my current lienholder. 

Fast forward to XX/XX/XXXX - the DMV is not allowing us to re-register my vehicle because the sales tax was not paid. We contacted my lienholder who stated this would 've been paid by Chrysler since the amount was sent in the pay off check to chrysler when the lease was bought out. We contact chrysler who stated they would look into it and get back to us within 72 hours. 10 days later, we still did not hear back, so we called chrysler again. Chrysler stated their procedure state That CA sales tax must be paid to the DMV by the individual. We escalated the call and requested that all calls be pulled as not only myself and wife, but my lienholder was advised the sales tax was included in the pay off amount. Chrysler stated they would research further, but it is not in their policy/procedure. 

My wife is currently out in XXXX leave, as she had a XXXX a few weeks ago. My registration is past due and the DMV is now charging a late fee. With XXXX income for the next few weeks, I am not sure if I can pay this out of pocket. This is a significant expense that I was advised was financed into the loan. 

I 'm not sure if I have a case here, but I 'm desperate to find out what my rights are. I am XXXX military and do not want my command or the military police to suspend my driving privledges on base due to an expired registration.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Santander Consumer USA is reported false information to the XXXX major credit bureaus for an auto loan. They also breached the contract and wrongfully taken the auto before the first payment was ever due. In addition, they never returned the tendered payments and violated numerous laws, policies and codes.

Company response to consumer: Closed with explanation