BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On or about XXXX/or XXXX of XXXX, XXXX XXXX company had placed a judgment on me in lieu of {$800.00}, and we came to agreement when we went in front of the Judge, in which XXXX XXXX represented agreed that I will pay my past due bill of {$800.00} which I did, and upon my paying off the debt that they would in return send a settlement letter to the court and me, which they failed to do as a result you have a unlawful judgment against my credit. Furthermore I have found out that XXXX XXXX has been out of business, because XXXX XXXX was contacted on XXXX/XXXX/XXXX by the BBB. In which the company stated they are out of business BBB also reports on a company that is out of for three years from three date the company closes its doors or ceases to do business. Please understand that I 've tried numerous times calling to find out what happen to the settlement letter they were suppose to send me, way before I found out that they were out of business, I 've went to the Courts etc ... trying to get some type of number or address on XXXX XXXX, just to find out through the BBB that they closed or folded their business in XXXX, but never up held their end of our agreement. Now here some 4 years later I find that there is a judgment on my credit by Transunion from XXXX XXXX which is false and need to be removed. Not because they went out of business, but because they never contacted me to let me know that they sent a settlement letter to me or the courts. So with that being said I 'm requesting that Transunion remove this judgment off my credit and send me a satisfied letter stating that this judgment is removed and settle with 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 explanation
Consumer complaint received 2016-11-05
Company: Navient Solutions, LLC.
State: NY
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 have several private student loans through Navient for approximately $ XXXX. I have made every attempt to pay them and made several ; repayment agreements that Navient never fulfilled. I would make an agreement and start paying and they would continue to harass me and mis appropriate my payments. This has severely impacted my credit as well as my husbands. They are false reporting information to credit bureaus. I make am payment and then 2 days later i get called, my family gets called, and we are all threatened but meanwhile i already made my payment. The payments I do make are specific to certain loans. They have taken my payment and put them towards newer loans and others loans. All but the ones I specified. 
They even went so far as to call my neighbor and threaten him telling him my personal account info including total amount outstanding, social security number, and account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Despite signing up for auto debit, which includes automatic forbearance while it is processed, Navient continues to call cosigner to collect payment. In XXXX 2016, each time I called customer service, I was transferred from department to department as my account is a " special collections '' account which has to be handled by a " special collections '' department. Twice when I called I was never able to be transferred to the correct department or associate. 

They refuse to conduct business via email, despite offering email on the website as a contact option. The " special collections '' department can only be accessed through a transfer by another representative. Additionally, in XXXX 2016, I requested multiple times when prompted by the phone reps to have my account removed from all phone contact. Yet they are still calling cosigner misrepresenting that I have made no payment arrangements. There had been issues with the misapplication of payments to the interest and principal of the loan, and I owed a much lower amount for XXXX and nothing for XXXX. 

I have previously requested forbearance due to unemployment and financial difficulty and they make you pay {$150.00} for 3 months of forbearance. I am waiting to see if they will charge the {$150.00} forbearance fee this time. I also wonder if every customer has to pay {$150.00} for forbearance. They have provided no information how they determine who has to pay the fee, and if they ever waive it for any customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Santander Consumer USA Holdings Inc.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
they are charging interest on my separate principal only check. and they are taking interest out of it. when i specifically said not an the check and a note.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The RS CLARK & ASSOCIATE RS Inc. XXXX XXXX, XXXX XXXX XXXX, Texas XXXX keep calling me to pay the debt since XX/XX/2019. I called them to tell them not to contact me, without my consent of obtaining my personal cellphone number, they said : " they have the right to call me anytime and from a debt collector, not from soliciting business. '' They have numerous number to contact me : XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: IQOR US INC
State: CA
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 reported this on XXXX/XXXX/2016. I checked the status of my case and it says that it is closed with non-monetary relief. The problem is, they are still calling every weekday and multiple times. If it is closed, then why are they making multiple calls?

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 2016-01-04
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Mortgage Company has a pay-by-phone option that I utilized in XXXX 2014. I lost the transaction number, so I checked my bank statement and verified that both the mortgage payment and the telephonic transaction fee had both cleared ( by name ). Within months I noticed that the XX/XX/XXXX payment was NOT acknowledged as received. I began receiving late fee charges, correspondance suggestioning financial assisstance (! ), and eventually threats of foreclosure (! ). Simultaneously I am attempting to go through the 'proper channels '. I contact the mortgage company telephonically, to no avail, all personell maintained that the payment had not been received. I then attempted to contact the complaint dept, and forwarded all pertinent bank statement info, also to no avail. I then secured legal assistance who again forwarded all pertinent info on my behalf. They ( legal ) also received the 'company line ' that the payment had not been received. At that point the my legal service suggested I contact CFPB, as solving this type problem falls within your specific function. Please assist as my Mortgage company is now threatening foreclosure within the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Northwest Collectors Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Northwest Collectors Inc. has been calling my job 's main phone number using an automated message divulging information of a debt I supposedly owe for some traffic tickets to the switchboard operator for the company ; who is one of my subordinates ( I have attached the most recent phone recording from this morning ). This has been going on for several weeks. I do n't believe it is appropriate to be calling people 's workplace using an automated system that discloses information that they are a collection company calling about an amount owed for a specific individual.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
On Wednesday, XXXX XXXX, leased a new Toyota Sienna. I called Trans Union and " unfroze '' my account for 72 hours. The dealership was unable to get a copy of my credit report as it was still listed a frozen. On XXXX XXXX, I placed a second unfreeze request for 7 days. Again, the dealership attempted to pull a copy of my credit report and was unable to do so because the account was frozen. I called Trans Union at XXXX on XXXX XXXX, escalated through XXXX Supervisors, until I reached a XXXX who claimed that she corrected the issue and everything was fine. However this morning, XXXX XXXX, the dealership attempted XXXX more time - and was unable to pull my credit report. I called Trans Union and they claimed it was corrected. I called the dealership, and once again, they are unable to pull a copy of my credit report because it is frozen, but the supervisor I talked with today XXXX assured me that the problem was corrected. I do n't know what to do next. The dispute is still open and Trans Union does not seem to know what the problem is.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I went to get a withdrawal of {$10000.00} dollars on the location XXXX XXXX XXXX XXXX suit XXXX XXXX XXXX tx XXXX. 
The person who took care of me asked me so many questions and told me to go inside the lobby just to ask more and more questions to the point that I feel very uncomfortable and overwhelmed. I tried my best to be nice and get out of that situation I FEEL DISCRIMINATE BY HER AND ATTACK!!! 
They only give me {$5000.00} and told me to come back the next day ( XX/XX/XXXX ) Today i went back to withdrawal the other {$5000.00} just to find out she froze my account because she want to know from where I'm getting paid. It is no fair to put me under this stress simply for not sasease the curiosity of an employee " manager '' who is asking me very personal questions. I have every right not to respond especially if this person is making me feel discriminated and personally attanked.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our home loan is a balloon, we knew it would need refinanced and worked hard for two years to build a good credit score to prepare for the refinance, when it came time to refinance we had a great score but was shocked to learn that we are underwater and lenders would not finance the full amount. The first step we made was talk to the mortgage company and ask for a modification of the loan by either extending the length for a few years to 30 yrs, at least until we could wait out the value decline and hopefully improve value as well. We were immediately declined because " We both have jobs and can afford our monthly payments '' to which we completely agreed except for the balloon has now matured and we are not allowed to make payments. We then found a company that would refinance at the value that was stated by Mortgage company and submitted it as an offer of settlement. Example home mortgage owed is XXXX we offered XXXX the mortgage company kept sending letters that it was under review and had us wait even longer ( no payments allowed to be made ) We are not going to look good for our credit now. Today I was told simply the lender wants full amount, we do n't have liquid assets to make up the difference we explained that. No explanation as to why our settlement was declined. I was told our next step could be Deed in Lieu.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 explanation
Consumer complaint received 2022-01-21
Company: National Credit Adjusters, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
YOU SENT ME A LETTER ATTACHED TO THE LAST COMPLAINT SAYING THAT I OWE TOTAL XXXX  YET YOU ARE REPORTING THIS ORIGINAL ACCOUNT FROM AN ADDRESS THAT WAS NEVER AN ADDRESS OF MINE THIS IS FRAUD AND HAS BEEN REPORTED TO THE ORIGINAL CREDITOR AS WELL AS VERIFIED THEY RECEIVED THE POLICE REPORT FROM XXXX COLORADO POLICE DEPARTMENT FOR ID THEIFT, THEY HAVE RECENTLY REMOVED THIS AS THEY WERE REPORTING THIS AT THE SAME THIS COLLECTIONS AGENCY WAS WHICH IS IN VIOLATION OF The Colorado Fair Debt Collection Practices Act ( CFDCPA ). 

TILL THIS DAY HAVE YOU BEEN UNABLE TO PROVIDE THE FOLLOWING FOR Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Please provide the name and address of the bonding agent for THIS COLLECTION AGENCY in case legal action becomes necessary. 


IF YOU ARE UNABLE TO PROVIDE THE ABOVE REQUEST THIS WILL BE FOWARD TO THE ATTORNEY GENERAL OFFICE AND A LAWYER.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Pre-Legal Notice XXXX Company-Best Buy XXXX  will be forwarding account to an attorney for litigation. 


XXXX XXXX Envelope to my address

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: 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:
TO THE CREDIT AGENCIES, YALL HAVE WILLFULLY AND KNOWINGLY, DISHONORED THE FCRA 605B LAW - IDENTITY THEFT. IT HAS BEEN 3 MONTHS SINCE IVE NOTIFIED THE CREDIT BUREAUS WITH THEIR FALSE REPORTING, I HAVE NOT GOTTEN ANY GOOD RESULTS BACK, AT ALL!!! I'VE CONTINUED SENDING ALL NECESSARY DOCS FOR THE REMOVAL OF THESE FRAUD ITEMS. ALL 3 BUREAUS HAVE UNDOUBTEDLY THROWN OUT MY INVESTIGATIONS TO THE WIND AS THEIR HAVE BEEN NO RESPONSES OR RESULTS, THESE ARE UNFAIR BUSINESS PRACTICES. MY NAME IS XXXX XXXX AND YALL HAVE NOT GIVEN ME A FAIR INVESTIGATION, NONE OF THESE ITEMS I'VE LISTED ON DOCUMENTS BELONG TO ME. THERE IS NO WAY YOU'D HAVE EVER VERIFIED ANYTHING, ESPECIALLY UNDER FCRA XXXX GUIDELINES, SHOW US!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NY
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:
First National Bank has only owned my equity loan account for a few months however they have reported XXXX missed payments on my report. They also fail to apply payments to my balance and after paying over XXXX in payments since XX/XX/XXXX they still show I owe my monthly payment. O hav3 contacted them numerous times and they can not find my payments although the payments show clearly on my online account. The last XXXX times I tried to contact them they disconnected on me for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Progressive Management Systems in XXXX XXXX, CA sent me a letter/correspondence and disclosed their company name and information on the outside of the envelope for my neighbors to see. This is a violation of my privacy and the FDCPA. The account number is XXXX and the letter states they are a debt collector. Even though this is a letter stating the account was withdrawn by the creditor they have now shared their company name and information. They should have put the address only on the envelope so my neighbors would not have seen their agency name.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have to believe there's incorrect personal address/employment, and phone number information reporting on my credit report. I am requesting the information is removed/deleted.

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 2016-09-17
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I had Medical Insurance those medical bills on my account should have been removed or never put on my credit Report i have been trying for yrs to get them removed and they are still showing up on my Report plus i also did a Bankruptcy and they were all suppose to be on that Bankruptcy report..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank risk department has been placing a hold on my payroll check deposits. The last XXXX. The last XXXX I converted to cash, got a cashiers check, and depositedthat. Again after a few days, a hold was placed on the funds. The first time, I went to the issuing bank, while I had Bank of America on the phone. The issuing bank, XXXX, had a record of BOA recieving the funds the day after I made the deposit. Yet XXXX days later the risk department software froze my ability to use my money. I feel strongly that there is a problem, if BOA does this to XXXX people monthly, that check kiting software they have developed improves their bottom line at the expense of the public. It 's a sofisticated way to kite checks, a practice that should have been regulated out. They take my {$1100.00}, and even XXXX other people 's funds for a week and then have the resources to loan out for mortgages or investments. While my XXXX year old wonders why there is no milk, and Daddy works every day. The BOA Vice President suggested I " climb the phone ladder '' but that stopped at the second rung and no money for a week. And this last check was a printed cashiers check, banking gold as I understand it.

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