BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-17
Company: Choice Recovery, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I remained in contact with XXXX  XXXX to include additional appointments at which no time they mentioned the bill nor sent me a bill since XX/XX/XXXX. I was paying {$25.00} a month. I sent in for financial assistance on 3 occasions, I called, I emailed. Then it began to report on my credit as of this month, XX/XX/XXXX. Again, I contacted XXXX  XXXX and emailed them. They have not responded. I contacted Choice Recovery and disputed also via phone. I have disputed on my credit bureau also. This is ruining my credit. I am XXXX with limited income and they are failing to properly communicate with me and they have reported debt to damage credit and are causing undo hardship without assisting me financially through a hardship program! 
Choice Recovery has NEVER contacted me. This just appeared on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are some closed collection accounts on my credit report which do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06
Company: SLM CORPORATION
State: NM
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have want to remove a co-signer from a private loan that I got through Sallie Mae to go to school and they have refused to do so. I followed THEIR guidelines for doing so by obtaining my degree and sending them a transcript, showing that I am financially able to pay the loan, and made XXXX non XXXX late payments as they requested after my disenrollment. I am not sure what else I am to do if they do not follow their own guidelines. I believe that they, Sallie Mae, for whatever reason are not following their own guidelines in reference to my account. I have no issue with continuing my agreement without my co-signer and I am unsure why Sallie Mae has not allowed me to remove the co-signer as the reason to have a cosigner is for that fact of being financially secure. Also on a side not they apply a {$10.00} charge to my account if I make my payments one or more days past the payment due date. For example the payment is due on the XXXX of every month, if I make a payment on the XXXX I incur the fee, which is fine as a business practice but I am unsure if because of that they are unable/unwilling to remove my cosigner. I have made no XXXX late payments to Sallie Mae and that is reflected in my credit reports as well. I seek to remove my co-signer because when my account does come due on the XXXX, they begin calling my co-signers home and work multiple time a day after he has asked them to stop, it places an undue hardship on my co-signer being on the loan. I understand that I must make an effort to make MY payments on or before the due date but also according to " standard late '' guidelines I am not late. As I said I am not 30, 90, or 120 late to Sallie Mae therefore I am unsure why they prey on my co-signer as they do. To reiterate the point I followed THEIR guidelines and would like my co-signer removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have called these ppl on several occasions, to access my own account, with no results. I owed XXXX, 5 years ago, trying to gain access to see if I 'm eligible for help, for a forgiveness. I get yelled at and told, very harshly, IF YOU DO N'T WORK FOR A NON PROFIT, FEDERAL, OR IS COMPLETELY XXXX, THEIRS NOTHING OUT THEIR YOU 'LL HAVE TO PAY! Well now it 's over XXXX from deferment, e t c. When i call these ppl needing help, they just put me on deferment, like that 's the only choice. I make under the poverty line in income. I will never be able to pay this back. It put my credit in the trash, for the rest of my life. I 'm XXXX yrs old, no life insurance, or anything to fall back on if i chose to retire. This company is a blood sucking vortex. If i ca n't access my own account, which i have n't been able to for 5 years, how do they expect any money to be paid. I no theirs a forgiveness plan out their for me, but they do n't want me to gain forgiveness, i feel they do n't care, ppl are really going under, owing student loans, and they take advantage of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We are trying to get BOA to waive late charges and past due interest so that we can pay off the Home Equity loan. We have been in this home 15 years and never paid a late payment on our first mortgage. The problem started with the balloon came due and the payments were more than our first mortgage and higher than what we could afford with the first and second. We contacted BOA at that time XX/XX/2015 to try and combine both as they had both loans. They would not agree to combine but the first agreed to refinance us through the Harp Program. The second assigned us a case manager which seemed to always be away or missing appointment times that they scheduled. We were surprised to get an agreement in the mail saying we agreed to 5 increased payments that we could not afford nor had we even had a discussion about. We got money from our credit union to bring the loan current but the problem was still there as we could not afford. It 's very difficult to speak with someone and after several more attempts and trying to make the payments that were too high we just decided to sell our home that we love. In trying to speak with a person to relay this information the next information we got in the mail was the intent to foreclose. What we 're asking now and still can not get assistance as we 're getting pushed through the phone maze again and no one will take ownership and our case manager XXXX XXXX was not available, we actually had XXXX in collections ask if we considered a deed in lieu, I was shocked as we 're trying to pay them off which is why I was calling them today. We need them to stop treating us differently due to our age and race. 1. We need a payoff on the XXXX mortgage without the past due interest and late charges, the last balance I showed was {$47000.00} 2. Since the sale of our home would be enough to pay off the XXXX and the XXXX, we need them to remove all late from our credit score so that we can qualify for another home. It a bad situation that can be resolved but we do n't want to be prevented from purchasing another home as a result of us making many attempts to resolve this situation.

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 2017-01-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are multiple entries on my credit report file that belong to my father, whom shares the same name with me. I would like the issue resolved as soon as possible, as to amend this situation. The incorrect entries are the following in the document attached : Reference Number : XXXX Reference Number : XXXX Case/Docket # XXXX I have never filed for bankruptcy, nor approved of any filing of bankruptcy on my behalf. Furthermore, the lease taken out for occupation at XXXX was not, and could not have been done on my behalf at the time as I did n't have a credit score or history ath the time of the lease. Again, as my father and I share the same name, it appears there was a clerical error in entering it on both of our credit histories.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I reviewed a copy of my credit report and the companies below ran an unauthorized credit inquiry on me on date provided. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact each company and investigate such occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I keep trying to dispute an inaccurate late payment and Equifax system keeps kicking me out. XXXX and XXXX have removed the inaccurate XXXX bank late payment info

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Back in 2006 I opened an IRRA account through Bank of America and administered by XXXX XXXX ( Account # XXXX ), transferring my retirement funds from my previous Employer, XXXX. I am now employed by XXXX and wished to roll the money into the State of Washington Deferred Compensation Program ( DCP ). I started this process back on XXXX/XXXX/2015 but continue to encounter roadblocks. 

The state has requested the funds be sent over as a check, see attachment, per their procedures. However, Merrill Lynch claims they can only transfer funds only after I receive a XXXX XXXX XXXX. According to the State, they are not a banking institution so they do n't use or provide Signature Stamps. I 've never heard of such a stamp but the people at Merrill Lynch assured me I could get XXXX from any Bank of America. I went to XXXX different banks ( XXXX in XXXX XXXX and XXXX in XXXX ) and all indicated they could n't give me this stamp. I was then directed to check with another institution ( XXXX XXXX in XXXX ) and they said although they could provide a stamp they do n't do it with a document stating that a stamp was required. 
I 've left numerous messages with staff at Merrill Lynch ( XXXX and XXXX XXXX ) but have been unable to reach them for further assistance. I 've believe that I have been patient in trying to move my funds from XXXX organization to another. ( See attachment ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Monday, XXXX XXXX, XXXX Honorable to FDIC officials : Please forward emergency requests to XXXX. Senators : URGENT EMERGENCY CONTACTS WITH XXXX XXXX XXXX XXXX AND XXXX XXXX : I write in complaint against Bank of America that discriminates against me with overdraft checking account. I am not happy with Bank of America that Bank of America made harmful discriminates against my XXXX and appearances in horrified addresses as they insult XXXX XXXX XXXX in ugliest appearances that Bank of America does not allow XXXX XXXX XXXX entered in their bank because of overdraft discrimination, so they insulted me in more overdraft discrimination. Again, I was not happy with Bank of America because of my overdraft history continually. I complain with overdraft records at Bank of America continually telling to XXXX Attorney assistance with XXXX XXXX XXXX in coping problems. 
Please assist me of XXXX XXXX in cope problem with Bank of America requests through male Attorney helping me with finding funds should go deposit cover up overdraft complaints to be requiring assistance XXXX XXXX XXXX along with Male Attorney in seriousness matters in law requests. 
In requiring law applies to XXXX XXXX XXXX must having a male attorney assistances with banking issues that I need helping requests with banking addresses in serious matters. Please requires applying to male attorney investigates on my bank account finds out overdraft records that they uses discriminates against me with XXXX as Bank of America does not like me having banking account because of overdraft periods. 
Please take this letter to Male Attorney requires taking me to investigates with Bank of America requests according to the law requirement to make deposit amount cover up overdraft fees. I do not have any extra money for deposit that I am having lot of stuck with no funds for deposit continually. 
I do n't like XXXX Apartments involved my political letters and stay away from XXXX Apartments that I do not like participate XXXX Apartments as I do not want reside at this bad housing at XXXX XXXX Apartments that they made me in baby diapers. They called me in sick and dumbest gentleman messages telling to XXXX. XXXX and XXXX XXXX. 

Please share with XXXX. XXXX and XXXX XXXX help me out with banking discrimination report to Male Attorney in XXXX XXXX deals with me in coping problems. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, OR XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-14
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
They have been calling me with robo calls 6-8 times per day. Never a person always robo. I have told them numerous times to call me with a person only. I have asked them to call me during specific hours when i can take their calls. my cellphone does n't work well when im at home so i cant answer it. they have my house number but again its always a robo call never a person. Robo calls always tell me to call back a specific number but when i do Im in line waiting for more than 30 mins everytime. I am now over 5 months overdue and would like to become current but cant get a hold of them ( i do n't have time to sit on hold for more than 30 mins ) .Now they are threatening a judgement againest me. I want to pay but they wont contact me and i cant get a hold of an actual person within this stupid company. they seldomly call my home phone when i 'm actually there to answer and again even if i am its a robo call so when i call back i 'm on hold. I try to login to my account online and again their system does n't recognize my information and i 'm told to call only to get put on hold. Ive told them numerous times to call with a person not a robot and i will talk and usually by now they switch to people but still after 5 months still robo calls only never a real person. ive told them numerous times about the online login system not logging me in without calling first and they say to just call in again i do n't have the time to sit on hold " waiting in line '' for 30+ minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Navient Solutions, LLC.
State: VT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had defaulted on XXXX of my private loans due to not being able to pay the over {$700.00} a month payment. My Mother and I had called them and went through all the steps to sign up for a lower payment that would include all XXXX loans. We have made XXXX payments so far and was told that if we made XXXX consecutive payments, my loans would come out of default. I am now, along with my mother, getting notices saying that I am in default with my loans and I need to take action now. I am very confused as I thought everything was settled and worked out. I am very upset because we were given an amount based upon the financial information we had given and now even though we are making these payments and on time, we are still being told that my loans are in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
I 've been a Bank of America customer since 1996 and the only reason why I 've continued to use their services is because the long standing credit history is good for my credit score. However, their incessant terrible customer service has finally compelled me to pay the card off in full and to drop the card ( as well as my banking account ) with this poor service institution despite the imminent drop in my credit score. Their interest rates are ridiculous and they are never amenable to lowering the rate, their customer service wait times consistently exceeds 45 mins and the last time I requested an interest rate reduction, the customer service contact was rude and falsely noted that my rate would not be reduced due to my credit history with the bank. I calmly asked the representative to elaborate and she could n't ( by the way -- I 've never had a late payment in my entire 20 year relationship with the bank and always pay beyond the minimum due ). I told the representative to please provide me with evidence of any history as it is a mistake and she kept deflecting the issue. ( By the way, I watch my credit like a hawk as a fico.com member and all three of my scores are around XXXX ). 

Furthermore, the bank service is terrible as well. In one instance, I was in the process of notarizing a document at a bank, provided my identification, signed the document, and the XXXX customer service rep accused me of forgery. I had my SS #, license and birth certificate in hand and finally, XXXX of the bankers ' superiors was able to assist me and apologized for his colleagues lack of professionalism. Consequently, I will move my $ XXXX/month automatic draft, checking and credit services to XXXX. 

I 've had many peers tell me about Bank of A 's notoriety and frankly, I will encourage all of my peers to never bank with such a terrible institution. There are much better alternatives available.

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 2015-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
There is nothing more frustrating than spending over an hour being bounced around from department to department for what should be a VERY simple request. Like many homeowners across the country, our property taxes increased. That means that our monthly payment went up. To make the burden less impacting, I called Bank of America and asked that they spread the shortage over 24 months. The responses I got were, " the system wo n't let me do it '', " you need to talk to Collections '', " Reg E prevents us from being able to do it ''. Not only are these responses not helpful to the consumer, they are inaccurate. I am beyond frustrated and unfortunately, this happens every time I call my mortgage company. I am beginning to wonder what type of training the customer service department receives and at what point they will take their customers seriously.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-31
Company: Nelson Cruz & Associates LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NELSON CRUZ & ASSOCIATES ; LOCATED AT : XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX  HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$1900.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Freedom Mortgage Company
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hi so to make a long story short back in XXXX my mortgage company decided to pay my taxes annually. This happened to many companies all of a sudden which made it seem as if my balance in my escrow would be - almost {$4000.00}. The only option I gave me was to send a payment in full or take the mortgage payment of almost {$300.00} more. They did not give an option they did this because the 2 percent savings by paying it annually. They did it again in XXXX and now again XXXX and 4 next year. I got nervous that something would happen back in XXXX and they gave me the option of paying it over 36 months I believe. My town does not require XXXX  they require quarterly. That being said they would only money and my mortgage payment would be much lower. I started fighting again with them back in XXXX about this and I keep getting the runaround they're talking about my mortgage insurance and about my fire taxes and they keep stating they pay my annual taxes annually for my town I have told them over and over again it can be paid quarterly and I do not want them to pay it anyway. I feel as if this getting pushed out because the longer it waits it'll be too late for them to do a quarterly for next year. My mortgage was XXXX in XXXX took forbearance which in itself is very difficult because I did it on my own and every time I tried to submit something another document or over the 30 days so my credit score went in the tubes. After the forbearance I believe it went up to about XXXX a month right now it's at XXXX and they're saying next month starts XXXX. I have spoken with the tax assessor 's Department four times in the last month and still nothing gas been done. Mortgage company us freedom mortgage. Ty I was told us to be rectified by the beginning of. XXXX and then again I was told by mid to end XXXX and it is still not done and I have not paid XXXX though I have the money because it should be much much. I just spoke to a member services person and they told me to not pay it and to call on Monday to talk to the assessor office I have very little hopes that I'll be able to get through and not be on hold for 3 hours or transferred to different departments and then disconnected. Now because of all of this my credit is too low to refinance somewhere else.

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