BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
In  XXXX   2017 I g ot a credit report pulled and it was showing that I had been   XXXX  t imes late on my car payments with   XXXX   XXXX   I call them that day and they told me that I was behind on my car payments  XXXX  difference cars. I told them that I had the bank statement show that I did pay them and on time. I had to fuix to them my Bank statements it took them three months before they gave me credit for  thos  payments there was two payments that they told me that I did not pay I fax a letter to  XXXX  and told them they must report to all  XXXX  credit agents that I had not been late. But they never did. I have been on them since  XXXX   2017. I g ot a call today from  XXXX  saying they wanted to let me know that they was going to have  XXXX  late 's removed from my credit reports. i told them that they was going to cause me to loss our home because I have a bloom payment in  XXXX    XXXX  . The lady said so there is nothing that I am going to do about that. I call the head office of  XXXX  in  XXXX  IL. and they sent me my pay History and it show that I have never been Late on my payments. I have a loan company called  XXXX   XXXX   XXXX  that is working with me on refinancing our home But they are telling me that they can not do the loan until I get all off my report. I even sent they my bank statement showing I had paid them on time. I need your help. I have all the proof to all  XXXX  credit Bureau 's and they still have not removed anything and it has been three months. I have sent it them each month and all the proof that this is fraud from  XXXX   XXXX . Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: EQUIFAX, INC.
State: MI
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:
Equifax after several complaints about incorrect information involving   XXXX   XXXX  ,  XXXX   XXXX ,   XXXX   XXXX   Equifax keeps opening closed accounts and showing us as overlimit on a closed account while I and my wife are in chapter  XXXX  bankruptcy. the following is occurring without proper correction,   XXXX   XXXX   should be open and current and is showing closed and  one  missed payment we have never been 30 days late ever on it,  XXXX   XXXX  showing open and current they are closed and part of chapter  XXXX  to be discharged when chapter  XXXX  completed.   XXXX   XXXX   started open and 109 percent over the limit now its shows closed and  109  percent over the limit. all this is totally incorrect and driving my credit down below what it should be with misinformation. and after continually disputing them all the they can find is the debts are mine. well duh they refuse to make the correction without admitting errors

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-18
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 've spoken to the company ( Navient ) many times and told them I am unable to pay my student loans until the end of the month. i asked for a reduced payment plan or a forbearance. I was denied a reduced payment and I 'm charged every time I need to delay payment and can only hold payment for one month at a time. I asked that they stopped calling. My request was ignored and they call me no less than ten times a day, every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Credit Management Services, Inc.
State: NE
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:
When my husband left me in XX/XX/XXXX, I struggled to survive. I had a dentist bill of about {$00.00} and a electric bill of about {$600.00}. A credit agency got a judgment against me I could not pay. 

now, just today in XX/XX/XXXX that agency garnished my wages for {$430.00} per month. I am a single mother and me and my XXXX kids will not be able to make it if they succeed in doing this to me. 

I have since that time rebuilt my credit and I work full time. I am making it by the very thinnest of margins. I checked the law and the Statute of limitations has long, long since past by years on this debt. The have it worked up to {$4000.00}. now. The garnishment is illegal. But the credit agency just does what it likes, knowing that I can not afford an attorney to protest this. They figure we can get away with it XXXX times out of XXXX and the worst that can happen is XXXX in a while someone will make us stop. Most cant. Me being XXXX. Why do these credit people just do as they please with no accountability? 

This collection effort is some 6 years beyond the legal statute of limitations. And I will begin to suffer the garnishment next week. 
I beg you to help. This is illegal and will devastate me and my XXXX kids lives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: ACS Education Services
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I attended XXXX XXXX XXXX from XXXX. I took out private loans. I have since been repaying them on time. I only had XXXX six month forbearance for the life of the loan and used that in XXXX. I was laid off last XXXX and was collecting unemployment insurance. That ran out at the end of XXXX. I called ACS Education who I make my payments to and requested some sort of hardship forbearance. This was on XXXX XXXX, XXXX and I spoke to XXXX XXXX. This call took place around XXXX central time. I made my request, she put me on hold, then came back and told me that I was granted a two month hardship forbearance. She told me that I did not need to pay my loan for the months of XXXX and XXXX XXXX. I explicitly asked her to confirm and she told me not to pay my loans for those months. They have the call and record and you will be able to retrieve it. She sent me the forbearance request form to sign and I signed it and emailed it back to her. 

In the beginning of XXXX I received a call from the ACS collection department. I told them I had applied for a forbearance and they explained that it was still in the approval department. At no point was I told to make a payment for XXXX or XXXX. 

In late XXXX I logged into my account to see that I had XXXX past due balances. I called to inquire why this was only to find that the forbearance request was denied. I explained the situation the representative, XXXX, said she would research it. She did over a few weeks. In that time, I received a call from XXXX and XXXX, a collection agency who is extremely nasty. In the time they were researching this situation, ACS reported me to a very nasty collection agency who demanded I make payment. I researched this and contacted XXXX, and called XXXX and XXXX. back only to find out they had sent the case back to ACS. XXXX then contacted me a few days later I was told that they went back to the lender who denied the forbearance. 

I then requested to speak to her manager. I told him that this was on ACS for giving me misinformation and that I want them to credit me for the total past due which is {$620.00}, as I can not pay it. He said he 'd look into it. He called me back yesterday denying my request. In XXXX separate calls, admitted this was the fault of the ACS represntative. XXXX of those calls was on XXXX/XXXX/XXXX at XXXX central time. Again, I urge you to pull that call for this investigation. I was basically told this was their fault, but that I have to pay the past due. I was not offered a payment plan or anything. I was simply told that I need to make a payment by the end of the month or it will be reported to a the credit bureaus. 

This is beyond unacceptable. I was TOLD to not pay my loans for XXXX months by a representative of ACS. They are ADMITTING fault, and yet refuse to work with me. They must make reparations and pay for the XXXX past due balances, a total of {$620.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
1.  XXXX  credit if  XXXX  to old, closed debit card.     Never received to my account. Given the runaround for almost a month now. They are telling me almost every time I speak to " tomorrow '', we do n't know, it " should '' have happened. They have stolen my money and gotten away with it.     Today they refused to open a dispute for this money because they " could n't. '' Item 2. I had a service call LAST MONTH where the work was unsatisfactory and I was scammed. The bank 's alleged protection guarantee is essentially faudulent on everything. They do n't back anything.     3. I was ALSO a victim of identity theft and they sent me a FORM LETTER telling me to open a new account WITH THEM and closed my claim. They did n't take any of it seriously.

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 2017-05-11
Company: Shellpoint Partners, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had to relocate to Iowa for employment last year. I tried to rent this condo out since I was underwater on my mortgage but unfortunately shortly after I left there was a huge roof leak that caused major damage. The insurance covered a portion of the repairs but the rest were up to me and I do n't have the money. The stairwell is damaged and so is the top floor of the home making it unrentable. I hired an Agent to help me short sale the property and we submitted all of my paperwork. Shellpoint had the locks changed adn left the wrong keys in the contractors box, locking my Agent out of the home for full month making it very difficult to get an offer. Once we finally gained access we got an offer within a few days and submitted it to Shellpoint. They state they will not postpone my foreclosure date because they have not received a value they ordered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX XXXX XXXX Also, by TransUnion Credit Reporting Agency and XXXX XXXX XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas ? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made TransUnion aware of this they have not done an accurate investigation on XXXX XXXX XXXX XXXX XXXX. So, I checked XXXX Texas Debt Collections XXXX website and found out that XXXX XXXX XXXX XXXX XXXX is breaking : " Texas XXXX XXXX XXXX XXXX which prohibits a XXXX-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a XXXX bond and file a copy of the bond with the Office XXXX. Also, you can not operate in the state of Texas with a XXXX '' I am in need of another Investigation to remove them from my credit report please.

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 2017-05-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My Name is  XXXX   XXXX . I am card member of  Chase Sapphire Reserve  card ending  XXXX . I have an unauthorized charge post on  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX  for  XXXX   .  I never went to this restaurant. The charge is happened on  XXXX  MO on  XXXX / XXXX /  XXXX   according to the Chase representative, post o on  X/XX/2017 .  However I am at  XXXX   XXXX  all day on   X/XX/2017 .  I have attached my hotel receipt  at   XXXX   XXXX  MO from  XXXX  to  XXXX  as evidence. I file dispute immediately after I found this charge shown on my account, but I do n't only response after the dispute. I sent online message many time for inquiry and each time is just we are working on it and no useful information. I called  Chase t o find out, but the representative is really unprofessional. She just read the outcome that  Chase w ill not refund the fraud charge because the fraudulent restaurant provide you the receipt who know what it is and you can not get money back from the restaurant. And refuse to connect to manager for help me solve this issue after I requested. After file official complaint in BBB, the  Chase executive off ice 's response is even worse and does n't care if I am  Chase 's customer or not. Chase can  not provide any solid evidence such as the restaurant receipt with my signature. I never receive any solid evidence from  Chase by mail indicate this charge is valid, but Chase is  so rude and said its their final decision and if you do n't like you can cancel the card. I paid  XXXX  $ annual fee for this credit card and this is not the customer service I expected. It seems that Chase does n't value their customer at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: H. Kent Hollins, Attorney at Law, P.A
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A company called and stated we owed a debt. We asked for proof and never received any. Years later they called again. We still were not given answers. Then they sent a letter stating they were garnishing my husbands wages. We never had a chance to fight it. We lived in Florida and the debt collector is in Kansas. They claim the debt is from  2007 b ut fail to provide proof. Now they keep sending letters that show debt and a 12 % interest rate monthly. They garnished my husband wages until we moved and he changed jobs. Now, they 're sending letters again demanding money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I received a notification from Navient on XXXX XXXX, XXXX regarding the removal of the delinquency reporting for all my XXXX XXXX Loans and XXXX XXXX XXXX Loans reported for XXXX and XXXX ; NAVIENT submitted a request for removal of delinquency reporting on XXXX XXXX, XXXX. I 've recently received an updated credit report from XXXX ( attached ) and my student loans are still reporting 120 days past due for XXXX. In my previous case with CFPB ( CASE NUMBER : XXXX ), I was reassured via phone from a Consumer Relations representative on XXXX XXXX, XXXX and via CFPB ( CASE NUMBER : XXXX ), all delinquent reporting for my NAVIENTXXXX student loans would be removed for XXXX and XXXX ; XXXX XXXX, XXXX the request will be submitted to the credit reporting agencies to remove any delinquency reporting but, I 've recently received an updated XXXX credit report that shows all loans in XXXX are still 120 days past due. I 've never been past due on my student loans and all my student loans with NAVIENT/XXXX are current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have tried to resolve my payment problem with bank of america. But they keep giving me the run around. They have sent my account to their fore closing department ove r 3  payments which equal to {$3000.00}. I have applied for a home loan modification but was denied because they said my income was hire. I have appealed it and its in the appeal processing. I believe they are retaliating because of my past complaints. By Alabama law its suppose to be  17 pay ments past due and I have received a letter from them to still keep making my payments during the appeals process. They gave cancelled my payment plan of {$740.00}. I have tried everything to resolve this with them about them not applying my recent payments to my balance, when I have my checks that have cleared the bank.

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 2016-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a secured credit card with XXXX XXXX with a credit line of {$200.00}, that was secured by a savings account. After a few years, I was issued an unsecured XXXX XXXX XXXX credit card with a {$500.00} credit line. Since I received the unsecured card, I did n't think it was necessary to still have the secured account, so I requested that the account be closed by XXXX XXXX. Soon after I requested the account to be closed, my credit score dropped dramatically, which is negatively impacting me with trying to obtain a mortgage loan. Why would a consumer who is wanting to eliminate unnecessary debt be penalized. The account was always paid on time, the account was paid off in full and yet the credit bureaus pinged my credit. Does n't seem fair at all. Any assistance you can provide will be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I HAVE ALOT OF INQUIRIES ON REPORT THAT ARE NOT MINES NOR DID I AUTHORIZE. I HAVE also submitted XXXX for user accounts still on credit report. I ALSO HAVE SUBMITTED FTC ID REPORT FOR ITEMS THAT SHOULD BE DELETED. 

XXXX XXXX ACCOUNT SHOULD BE DELETED AS WELL SINCE COMPANY SOLD MY AGREEMENT.

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 2017-05-11
Company: PENTAGON FEDERAL CREDIT UNION
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 status incorrect

Complaint:
I was a member of  XXXX   XXXX   XXXX , which was acquired by Pentagon Federal Credit Union. The process of merging, transferring, and issuing new account numbers were phased-in over three months :   XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  .     I have had a  XXXX  Visa card ( " loan account '' ) since  XX/XX/XXXX  that I paid via my accounts page. My accounts page included my savings account and I would pay my Visa by simply transferring money from the savings account to the Visa account. During the phase-in transition however, the banking accounts ported over to the Penfed website  in   XX/XX/XXXX  , but not the Loan accounts ; those would not phase-in until  XX/XX/XXXX .      In  XX/XX/XXXX  I sent a secure message to Penfed customer service about making my Visa payment, the response was to mail it, and I was provided an address. I se nt a Bill Pay p ayment from my main banking institution to the address provided. I verified that it had been delivered. A few weeks later I receive a letter saying my payment was not received, so I sent another Bill Pay payment overnight via  XXXX  and it came with a tracking number. I verified with the  XXXX  ' website that it too had been delivered. Both payments were sent and received before the due dates.     On   XX/XX/XXXX , I  receive a credit alert from  XXXX  that Penfed reported my Visa account as 30 days late. The effect of this reporting tanked my  credit score.      When I called Penfed 's customer service I was told that they were behind on processing former  XXXX   XXXX   XXXX  loan payments.

Company response to consumer: Closed with non-monetary relief