BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-16
Company: Southwest Credit Systems, L.P.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a bill in XX/XX/2022 stating that I owed XXXX XXXX dollars for equipment I had loaned to me from XXXX. So I called and asked if I return it. I talked to a XXXX, ( she said she was my support person ) she told me she would send me a shipping label, which she did. I packed it up and mailed it back. Well needless to say I received another bill about a month later stating I still owed the XXXX dollars. I don't understand why they get the modem back and the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: RS Clark and Associates, Inc.
State: TX
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 have repeatedly disputed an account listed on my credit report as not being my account. I have submitted numerous requests to RS Clark for validation of the debt and have not received validation. This is a collection account for an apartment complex. I have never entered into a lease with this apartment complex and I have asked RS Clark to see a copy of the lease I allegedly signed. They have not been able to produce said lease in almost a year of communicating with them. In fact, RS Clark has recently closed this account because they recognize they can not validate it. However, the account needs to be removed and not just simply closed. Please remove the invalidated debt or I will have no choice but to file a complaint with the Federal Trade Commission. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Fraudulent Inquiries my credit report. here are the names of the companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-16
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have repeatedly asked Vance and Huffman, XXXX, XXXX and XXXX to validate this collection account. I have received any validation at all. Vance and Huffman is collecting for XXXX XXXX and I dont have any idea who XXXX XXXX XXXX other than another collection company. If this is the case who are these collection companies collecting for? I need to know what service I received from XXXX  XXXX and Vance and Huffman. I also, need proof such as signed agreements that I agreed to services from them. Is it legal for a third party company to collect for a third party company?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
In 2005 I wanted to attend a XXXX in XXXX, IL. The only way to do so was to take out student loans with XXXX XXXX. I know I was not educated about student loans at the time, but Financial Aid failed me, my parents could n't afford to send me to college, student loans were my only option. I want to say XXXX XXXX was the only company that would give me a loan. 

For two years of college and a XXXX semester my loan total w/accrued interest was roughly a little over {$63000.00}. XXXX XXXX would pay whatever it cost the semester then would mail me a check for the remainder of the amount. I took out XXXX {$20000.00} loans and XXXX {$10000.00} loan, and each time I got money back. I think student loan carriers should n't be able to do that. I received close to {$7000.00} at XXXX time back for a semester. I used that money to live off of because I was a student and needed the money. Looking back, the money that 's only needed for college should be directed to that and whatever money is left over goes back to the loan. Students should not be seeing that money. I wish I had done things differently, but to be honest no one prepares you for the cost of college and how to deal with it once you graduate. High school and college do not prepare you for life. You 'd think with guidance counselors and advisors they 'd help you, but they do n't go in detail about these decisions except " go to college and get an internship or a job. '' All our lives we hear it 's the American Dream to go to college. I do n't regret my decision, I do n't work in the field I received my degree. I pay on my student loan each month. This experience makes me weary of loans. I do n't believe we have to go into debt for these things. I ca n't blame anyone but myself. But going forward if there 's any money left over from a student loan you take out, it needs to be credited back to the loan company. America would n't have a student loan crisis if this was done correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Issue: Balance transfer

Complaint:
Bank of America provided no warning, written via telephone nor via email though in full possession of those facts about the expiration of an offer. In point of fact in violation of the Fair Credit Reporting Act have forced me into a negative option.

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 2017-01-19
Company: Navient Solutions, LLC.
State: LA
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 try for deferred once and I got it. But this time I try they told me I had to pay the note, but I told them I make certain amount a month I ca n't afford XXXX dollars a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
XX/XX/XXXX I was interested in attending The XXXX XXXX. After being accepted to the college the financial adviser said I would need to apply for a student loan if I was not able to pay for the tuition out of pocket. The school 's adviser filled out all the paper work for me. Then the loan company ( XXXX XXXX ) said I was not approved for the student loan, but if I had a co-signer they would approve the loan. Under the assumption that I would need XXXX co-signer to be able to go to college and receive a college degree, I agreed to use my mom as a co-signer for the student loan. The school had me in a fast track program, I was in school from XX/XX/XXXX to XX/XX/XXXX and have a student loan for over 30,000 $ US. After those months had passed, the school told me I would need another student loan to continue my education. Again, the loan company said I did not qualify for the loan, and this time, they said my current co-signer did not qualify for the loan as well. Growing up with XXXX parent and not having any relatives this forced me to be unable to continue my education. I have been working ever since I had to stop going to school to be able to pay back this student loan which I feel I should have never received if my co-signer and I were both denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Have written you folks before about the incompetence, uncaring, and indifference of Bank of America and the charade they refer to as " customer service ''. Been trying to arrange a short sale of property financed by BOA in Virginia for the past several months. At one time, actually had a bonafide offer. Our loan # is XXXX. 
The most recent agent assigned our tentative sale is XXXX XXXX, XXXX, ext. XXXX. She sent us a ltr regarding same on XXXX XXXX, XX/XX/XXXX Attempts to contact her have failed. Prior to her supposed assignment, we were told to call or contact : XXXX XXXX, XXXX ( ext. XXXX ) ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; etc., etc., etc. 
Needless to say I have left msgs when possible at the above phone numbers. Our realtor, XXXX XXXX has had similar luck. I have even tried actually walking into a BOA branch office and speaking with a gentleman dressed in a coat and tie and seated at a desk to ask his help. I was told ( albeit politely ) " he knew nothing about mortgages ''. 
If I 'm not mistaken, in XXXX when the real estate market crashed badly in a number of states ( including XXXX where we had recently purchased a home ), BOA was XXXX of the institutions that received federal financial help and assistance. ( My wife and I did n't receive any such help and truthfully, did n't expect any. ) XXXX. At present, we 're not sure if said " short sale '' offer still exists. We do know our realtor is trying hard. We 've never had an offer before in over five years. XXXX would think when and if such an offer surfaced that BOA would take aggressive and immediate action to close the deal. But, now we 're in the XXXX century and everything is different. Glad I 'm old. 
So, I 'll continue to try and make phone calls to BOA and sadly continue to make mortgage payments.

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 2015-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America not only charges for checks, but also for deposit slips to loan OUR money to them. I would like free slips, and also checks, which formerly were given free. I was told by a cashier that they could be ordered FOR A PRICE, but if enough complaints were filed, corporate may yield. We have a regular checking account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-03
Company: Wilber and Associates, P.C.
State: IA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have received repeated calls from this company stating that I owe them over {$16000.00} for an accident from XXXX of 2015. The police report lists the accident as a no fault accident. When I have told them that they scream at me and tell me that I know it was my fault and I just need to pay them. I have repeatedly asked for documentation showing myself at fault, as well as a breakdown of what they are trying to charge me and they refuse, telling me that I just need to pay them. They have threatened to put me out on the street and take everything I own. Also have threatened to have my License revoked. Every call ends with their representative telling me to pay them and then them hanging up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XX/XX/2016 I sent a notorized letter by certified mail # XXXX to XXXX, Bank of America,XXXX XXXX XXXX XXXX NC XXXX stating I wanted my Bank of America Credit Card account and the credit I have refunded. It was delivered on XX/XX/2016 Several times I was contacted by BOA about closing the account and getting a refund. I answered all the questions, but BOA has failed to close the account or refund my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXXXXXX XXXX  Account # XXXX has violated my rights. 
2. XXXX XXXX XXXX Account # XXXX has violated my rights. 
3. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
4. XXXX XXXX XXXX Account # XXXX has violated my rights. 
5. XXXX XXXX XXXX Account # XXXX has violated my rights. 
6. XXXX XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Source Receivables Management LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
accounts paid but never left my credit report as well as outdated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Professional Medical Management, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FINANCIAL RECOVERIES ( XXXX XXXX XXXX XXXX ) i disputed this account requesting THE VALIDATION to this account and all document that this company have to send me to validated this account. i never received any document from this company. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine. 

i'm requesting to remove unverified account to my credit report immediately under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.

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 2022-04-20
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I received a wire from the sale of a vehicle through my Navy Federal Savings Account. On XX/XX/XXXX I went into the branch to engage and use my money, upon meeting with a representative I find out my account has been frozen and I have to contact security, which is usually a two hour hold. I get in contact with security and they tell me theyre going to need verification from the other bank to confirm the wire was valid. Ive waiting more than 7 business days, and up to yet my funds havent been received. I contacted the other party to let them know and they said my bank is refusing to accept the wire and that theyve sent over everything they needed. This is unfair and unpractical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card
Issue: Other

Complaint:
I was never late in paying my XXXX XXXX account. The account was on autopay set up through Synchrony Bank and that had been the mode of payment since establishing the account. I paid the account off in 2013. I do n't know how they can justify destroying my credit by stating that I was 30 days late for account number XXXX. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus!! When I call and wrote ( certified mail, twice ) Synchrony Bank they refused to take this enormous mark off my credit. That account has been dormant for several years. This behavior is not in good faith and I dispute the last report to the credit bureau. Please investigate and remove the late payment from 2013 off my credit report.

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 2016-04-27
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 am in the repayment phase of my student loans and have been for the last XXXX years. 
I consolidated my loans with XXXX XXXX and that loan was later transferred to Navient. 
During the consolidation process around 14 years ago my loan interest rate was locked in for 30 years at 3.375 %. I have been paying {$250.00} / month ( via direct debit ) since I consolidated my loan at that time. 
Recently I received a letter from Navient stating that they had to " recalculate my payment '' but that the other terms of my loan ( principle owed, interest rate, and number of payments ) were not being changed. When I called customer service ( on two separate occasions ) and later uploaded an email message online, eventually I was advised that they are now using the original interest rate of 4.625 % to calculate the payment ( but I am " still getting the lower interest rate of 3.375 % '' ; huh? ). Even though they state that this will pay the principle down faster, they still show the same number of payments being paid ( 196 total monthly payments ). ( Anyone with a sense of numbers knows that this makes no sense. ) {$38000.00} - amount currently due 3.375 % interest rate XXXX payments. 
Based on these numbers my monthly payment should be {$250.00}, not the {$270.00} to which they have raised my payment. 
I have spoken to them on the phone twice and emailed them with no better response ; at first I just thought I was speaking to a dullard on the phone but the consistency of their responses makes me think otherwise. I think the company is making a concerted effort to defraud me ( and I would presume others as well ), as clearly the terms have changed on my loan, which is NOT a variable loan. Please help. 
Look at the numbers on their website, which I have uploaded. ( It is broken down into the XXXX loans that were consolidated. The numbers do not add up when you put them into an amortization calculator. If I pay the principle due with the payments they have calculated, it should pay down faster than what they have listed. In their email response to my inquiry they noted that " the minimum monthly payment amount for your loan needed to be modified to ensure that your loan will be paid off by your agreed upon loan term end date. '' If you calculate the numbers you will see that that statement is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bank of America provided XXXX a false address located in XXXX XXXX Nevada on XX/XX/XXXX under my name and phone number in an attempt to re-open a closed settlement in XXXX. 
Bank of America then enlisted the services of the XXXX XXXX XXXX in XXXX XXXX California to send collections notices and harassing phone messages.

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 2020-06-18
Company: Experian Information Solutions Inc.
State: UT
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:
While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.

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 2017-04-30
Company: Equidata, Inc.
State: AZ
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:
EQUIDATA was collecting a debt on behalf of  XXXX  which I paid in full. Upon me making in full, they agreed to remove the derogatory account from my credit report ; which they have failed to do. I paid the account off in full, and would like them to keep the part of their agreement to have it removed from my report.

Company response to consumer: Closed with explanation