BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-21
Company: Monterey Financial Services LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I cosigned for a XXXX loan for a friend of mine. She was unable to make payments since she recently moved and did not have a job. We called and set up payment arrangements to stop the debt from going to collection. She satisfactorily made the XXXX payment. XXXX payment was due on XXXX/XXXX/2015. On XXXX XXXX XXXX, rep ID XXXX contacted me directly, instead of calling my friend first and demanded that I pay before XXXX or I would be sent to a collection agency with derragotory marks and the full {$9000.00} would be immediatly due. I did not like the tone of her voice ... she was being very rude and demeaning. She would not let me explain the situation and she only concentrated on the debt, and paying the debt NOW!. At one point XXXX asked me if I was, " enebriated. '' I am completely awstruck at the level of service this company is providing. They treated me as just another debt and personally verbally abused me. We called back later and spoke to XXXX ext XXXX, she is a supervisor, and she adv that there is a 10 day grace period and paying on friday would be ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: Specialized Loan Servicing Holdings LLC
State: WI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
All of this started back in XXXX 2012 because my husband had surgery. We fell behind and we had requested to have our mortgage put into a locked in rate and in the HAMP program. They had us keep sending papers and nothing was ever done. Somewhere in the process our mortgage was sold from XXXX XXXX XXXX to SLS. Somewhere they had claimed we had a modification done. This was n't true, we had a mediation with the court and they were unable to provide us with this. They are trying to add {$100000.00} to our mortgage and want us to sign this for a house that is valued at {$120000.00}. This equals to $ XXXX.This is totally unfair and to me actual robbery in my opinion. How can they ask to add that kind of money to the loan. All we ever wanted was a lower rate. We wanted the rate to be lowered from 10 % to an affordable rate. Then we tried to hired an attorney because they served us papers and that scared us. So we do n't have her anymore. She was clearly taking advantage of us and all we ever wanted was to have the mortgage payment to were we can afford it. They are in the process of foreclosure and all we ever asked was for help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been a federal employee since XXXX XXXX. According to student loan forgiveness programs, such as Public Service Loan Forgiveness, I should have had my loan paid off after 120 payments as a federal employee ( which would be XXXX XXXX ). However, according to Navient they told me my loan type did not qualify and that if I did convert to an income based loan that my payment would go up and I would be paying even more every month and the 120 payments would start from the beginning. I graduated from college in XXXX of XXXX and my balance is higher than it was when I graduated?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently conducted a review of my credit report, and I noticed that your agency showed one ( 1 ) credit inquiry that I find to be problematic. It states XXXX made a Bank / Credit Card Inquiry by checking your Transunion Credit File. It declares : Credit Alert New Inquiry Reported By XXXX Reported On XX/XX/2020. I understand when you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. This inquiry was made by https : //www.finder.com/barclaycard-pre-qualify-credit-cards online website. I remember working with Barclaycard.com on XX/XX/2020, as they are the company I used for a pre-qualified credit card application. ( see attached screenshot on attached letter ) However, I applied with the understanding this would NOT be a hard pull on my credit report. Pre-Qualified has the benefit of No effect on credit score. 
Under no circumstances did I approve a hard inquiry to my credit report. XXXX website clearly states pre-qualified. 
Transunion sent a letter on XX/XX/2020, stating inquiry stays on your credit file for two years and the XXXX website clearly states this for pre-qualified application.

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 2016-08-01
Company: TENET HEALTHCARE CORPORATION
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The company refuses to talk to me when I have another party on the line. Additionally, the debt is not my responsibility. I was a medical student at the time I was exposed to blood. I used to appropriate avenues and the hospital and the school is responsible for any debt that my insurance does n't cover. They contacted me about this debt the first time through a collections notice they sent to the wrong address. It says in the XXXX XXXX XXXX that I am not responsible for the debt as a student and should have never been billed, since I got exposed while working at XXXX. This debt agency has hung up on me several times when I tried to call with representation. No one contacted me before this debt was sent to the collector and they collector refuses to acknowledge it is not my debt/I am not responsible. XXXX XXXX 's knows this.

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 2021-01-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have contacted Experian MULTIPLE times in regards to numerous inquiries that appear on my credit report that were not authorized by me. 

I have contacted them through the mail as well as over the phone. 

Experian has blatantly ignored my requests to delete these inquiries from my reports. 

I did not authorize these inquiries and I can not file a police report when I do not have the correct information to do such a thing.

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 2016-08-29
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
they do n't have a number to contact them by. Google them and the company is out of business? Can not find anything else on this one please help!!!!! 
Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
When my loan was serviced with XXXX I was locked in with a low interest rate. Once navient took over the loan, my rate increased and payments have doubled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX 2016, I stepped into a Bank of America branch to make a deposit. I was alerted by the teller to contact Bank of America customer service ASAP as there was a flag for suspicious activity. I completed my deposit and returned to work in the same area as the branch I visited, XXXX, CA. My phone and wallet had previously been stolen. BoA was aware of this. I contacted Bank of America and discovered that, at the same time I was making a deposit, my card was being used in XXXX, CA over XXXX miles from where I was making a deposit. Bank of America refuses to honor my claim even when presented with this evidence. I have supplied the bank with a police report and supporting details and after XXXX evaluations, BoA will not issue a credit to me and has closed my account.

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 2021-01-03
Company: Exeter Finance Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Harassing phones calls this debt is over 7 years old. They are now reporting it as a new debt which is completely false. They call all day leaving very threatening voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I sent a letter out on XXXX-2020 regarding the inaccurate accounts on my credit report. It has now been past 45 days and still to this day I have not received a response to my letter. According to Section 611 ( a ), a failure to properly investigate these items within 30 days gives a reason to have the items removed from my credit report immediately. Its now past that grace period and I am demanding that the items be removed now. Failure to remove these erroneous items will cause me to file for litigation. Also due to the XXXX  Data Breach my information has been compromised.

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 2016-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
bank of america contacted me to say my debit card had been compromised and closed the card. i called the fraud department and theywent over the charges that were not mine and i rcived a credit the next day. 
on XX/XX/XXXX i looked at my account and saw they took the money back and called them the associate told me to give him a couple of miutes to readthe notes but did not mute phone. 
He read the notes from the screen out lould saying i was being denied because i showed no signs of urgency, i was not upset and did not put to much intrese in the situation so he came back and said te claim was closed and if i wanted to reopen i have to fax in a letter and gave me the numer. 
I find this unfair, degrading and ilegal that they contacy mr knowing the charges are fraud and then acuse me of making them becaus i dont get worked up. 
clai # XXXX and claim # 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 2021-01-02
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020, I received a letter confirming that I do not have any property taxes due to me being a 100 % XXXX veteran, total and permanent. I submitted this documentation through email and I uploaded it to their online portal. I received a reply from Quicken Loans saying that my email address is not attached to my mortgage, which isnt true whatsoever. They in fact harass me almost daily through my email, to the point where I had to tell them if they didnt stop harassing me, I would be retaining legal counsel. They are liars and have no moral compass. 

After I inquired again his email, I was told that they will not provide any information to me. I had to send yet another email, and received the same thing. I sent another one, and finally I was told that it would take 3-5 business days to have my property taxes removed from my payment. They also said that I would receive a refund that I demanded within the same time frame. The refund I am referring to is what I paid for property taxes which is in escrow. This was on XX/XX/XXXX. 

It is now XX/XX/XXXX, and after repeated emails and phone calls, I have been left with no answers whatsoever. They hung up on me three times, have transferee me to different people, and I have spent hours upon hours trying to get my payment corrected and my money refunded. 

If this isnt resolved by XXXX, XX/XX/XXXX, I am retaining council and we will go through the court system. Obviously these people at Quicken Loans/Rocket Mortgage choose not to make this right. I am urging anyone and everyone I see to NOT get a mortgage through Rocket/Quicken. They have been unprofessional from the very beginning, rude, and incredibly unpleasant to work with. In fact, the only reason why I closed the loan was because I was so far into it that it would have been a mess to start with another company. I should have gone with another company.

I need my payment adjusted, my refund sent to me, and Quicken Loans/Rocket Mortgage needs to report my account and all of my payments, which have been on time, to the three credit reporting agencies. This has been a nightmare. My lawyer knows about this and is ready to file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'M STILL HAVING ISSUES GETTING THESE ACCOUNTS REPORTING ON MY CREDIT REPORT REMOVED THAT ARE DUE TO IDENTITY THEFT.

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 2015-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card
Issue: Billing disputes

Complaint:
I disputed in the latest part of our case, number was XXXX. 
XXXX XXXX and XXXX XXXX could not get my full response inside the small box, so I did say that in my pushing dispute I have to open a new number to our case. 
I tried to attach the response letter, but it looked like it did not attach like the rest of my previous attachments did.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
There is a collection that is onmy credit report that is [ ast the 7 years statute limitation of debt collection on my XXXX, Equifax, and XXXX  report under the account named XXXX they have incorrect account numbers as well this should not be reporting XXXX this account was reported from XXXX it is XXXX. 

XXXX  XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX Equifax Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: John C. Heath, Attorney at Law, PLLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
According to the Credit Repair Organization Act, businesses are not able to charge for credit repair services until they have been rendered. This business has charged be for 7 months, approx {$900.00}, with no ability to show actual services rendered. They say they are sending repair request letters, however some of the things that need to be repaired are incredibly simple items that I was eventually able to solve on my own with a simple stock letter from XXXX. And I have my account set up to receive alerts when disputes are returned. And I have not received dispute resolutions from my creditors, which means no letters have been sent out. This is blatant fraud, and illegal according to the CROA. 

I have tried multiple times to cancel with the company and they keep charging me. I have called and cancelled over the phone and sent letters through the mail, as is stated in the agreement in how to cancel. But they simply say that they never received the letters. This company is blatantly committing predatory fraud. If you do start doing business with them, the only way to stop is to cancel/change your card so they can't keep charging you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Navient Solutions, LLC.
State: NY
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 cosigned a private student loan for my sister. She used it for lawyers as she was getting divorced. She never used the funds for college. I went into bankruptcy and they refused to discharge this loan even though it was n't federally guaranteed and the monies were not used for educational expenses. I 'm out of bankruptcy now and all of my student loans are suddenly under Navient along with my sister 's loan. I 'd like to discharge them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card
Issue: Rewards

Complaint:
I signed up for an American Express Platinum card that promised a XXXX point signup bonus when a spending requirement was met. This offer was publicly available on the Internet. After reaching the required spending amount, my points posted. Shortly after this, my reward account was frozen by American Express with no written notice. The only way I found out the account was frozen was by attempting to make a points transfer. After this failed I contacted the company. They stated that the account was frozen pending a review that would be completed in 6-8 weeks. After waiting this period of time, I tried another transfer. This transfer was declined as well due to the account being frozen. I have paid off the balance of this account as well as the {$450.00} annual fee. There was and has been no notification from American Express to me about the freeze of my rewards account or when the freeze will be released. American Express is electing to audit this account, freezing my ability to use my earned reward points. I feel that they hooked people into signing up for the {$450.00} card with an offer and did not deliver what they promised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-06
Company: Stellar Recovery, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I have not received a letter from them prior to them placing this on my credit report. I was not afforded my right under the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Upgrade, Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is a follow up to my complaint of XX/XX/13 and my follow upon XXXX to # XXXX I have not received a promised refund of my money from and overpayment from this UPGRADE Loan and I continue to receive emails that my account is OVERDUE and AFFECTING MY CREDIT REPORT WHEN ACCOUNT HAS BEEN PAID OFF 6 MONTHS AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Comerica
State: NY
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Fraud or scam

Complaint:
Hi I have a a direct deposit comerica bank card which I withdraw my fathers benifit money every month which is XXXX monthly.But on XX/XX/2017 I went to the ATM at XXXX to withdraw a XXXX all of a sudden the machine stops and no money comes out just a receipt saying the full amount which is XXXX.So the next day. I go out the window to withdraw he money they told me my card is declined. So I go to the ATM and I only see I Have XXXX dollars left in the card. I call the the bank I explained my problem and they told me to wait for a claim form it 's been a week no form came. I call again and they tell me to write a complaint letter. I confused I do n't know wats going on my father needs his benefit money back to proceed with his life with it which is XXXX please help us as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-24
Company: Pinnacle Credit Services, 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 physician, and as such I am very reliant on having a functional phone. XXXX sold me android phones which were constantly and consistently breaking down. They replaced the phones numerous times. The last time they replaced the phone with a new one it did n't even last a day before it stopped functioning properly. When their representative told me he was going to have another android replacement sent to me I said that that was not acceptable. I told him that I needed a different phone that was more reliable or I was going to switch to a different service provider. He said he could only order me another same type of phone. Therefore out of frustration I switched to a new carrier.

Company response to consumer: Closed with explanation