BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: MI
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 done everything possible besides file a lawsuit- My case with Navient screams of class-Action- I have meticulous records of every phone call ( recorded ) every letter, every dispute filed with XXXX, XXXX and XXXX- My insurances have increased over $ XXXX monthly directly due to Navients willfully neglected investigating and reporting. In 30 years the only negative information on my credit reports is the inaccurate information Navient continues to report. 
Summary : from XX/XX/XXXX-XX/XX/XXXX I co-signed student loans for my daughter XXXX XXXX, after she restructured her loans under one payment to be split between all her loans ( i believe XXXX of them ) Navient misappropriated the payments and never applied a portion to XXXX loan account, as a result that account went into charge off, After years of complaints I finally filed a complaints with the CFPB. First on XX/XX/XXXX Case # XXXX and again on XX/XX/XXXX case # XXXX. However, I just applied for an auto loan and was denied due to " recent serious delinquencies '' I pulled my XXXX and XXXX credit reports to see Navient again inaccurately reporting me 150 late XX/XX/XXXX. ( see attachment ) Insanely, this is after Navient claims to have investigated and ADMITTED their errors and promised to correct my credit reports. Numerous times Navient claimed to correct my credit reports, each time I fount the corrections incomplete. I have given Navient more than a reasonable time and many many more opportunities to correct their admitted mistakes. I am not a wealthy person, I immigrated to the United states XX/XX/XXXX from XXXX. My father was a XXXX politician and very wealthy, I left all that wealth to come to the USA with nothing but a promise for labor work as my father cut me out of his will for leaving. I have been working as a XXXX since. I have contacted an attorney XXXX XXXX of XXXX law group. He is willing to take my case but currently in the middle of several other class-actions and informed me his schedule wouldnt allow him to take my case until XX/XX/XXXX. I hear he is the best there is. I have not yet retained him and truthfully i was preferring to avoid litigation. However, Navient seems to have left me no other choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
Please see my Complaint # XXXX of XXXX XXXX. The following information refers to an additional letter received from Bank of America, and your office may want to add it to my first complaint or else establish a new complaint. The reason is that I intended the complaint of XXXX to cover XXXX, but Bank of America apparently has separated my dispute of charges into XXXX cases, the first one with Bank America Case # XXXX concerning XXXX and the second XXXX received recently, as described below, with Bank America Case # XXXX concerning XXXX. As described in the enclosed copy of my faxed reply to Bank America 's recent XXXX letters dated XXXX, the XXXX paragraph describes some kind of activity after you put the original complaint in motion. However, Bank of America sent me XXXX letters re their Case # XXXX, XXXX requesting more information which I do not have and the second requesting that I choose XXXX " description of my situation '' as well as requesting my authorization to cancel my current credit card and let them issue a new XXXX. The enclosed copy of my fax indicates these facts that I ca n't provide more information requested in the first letter and that I will not authorize the cancellation/reissue move. With reference to my refusal to authorize the cancellation of my current credit card and issuance of a new card, I crossed out the authorization because it will not solve the dispute but it will have an adverse effect on my currently excellent credit rating. I believe that with this latest request Bank of America is now resorting to threats, which is simply reprehensible. Finally, as noted in my faxed reply to Bank of America, I was unable to learn who XXXX Customer Care Resolution is or who FIA Care Services is, but the message one gets upon dialing XXXX XXXX XXXX XXXX is that FIA Care Services is a debt collection company. I would appreciate your help with this additional turn of events since Bank of America has created this confusion and threat.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America OverDraft Items fees ', XXXX Putting consumers into more debt and or taking their hard earned money. Bank of America rearranges accounting to suit their needs. They also should not charge if deposits are made to the account within XXXX hours, fees ' should be reversed, especially if a consumer calls and requests assistance. Email notifications of low balances do not occur at times for up XXXX hours after. I made deposits on so many occasions on the requested fee reversals.

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 2016-11-14
Company: Navient Solutions, LLC.
State: PA
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:
Payments have been recently misapplied. Whole payment amount is being applied toward interest only & I am not on any type of workout plan. Everytime I call Navient 's customer service they advise its because of the interest accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I spoke to XXXX with Bank of America on Tuesday, XXXX XXXX at XXXX. She indicated to me that I needed to be a minimum of XXXX months late to be eligible for a short sale on my home. I have a fundamental issue with this because of the Fair Credit Reporting Act. There is a hardship. I need a modification. I 'm in the hardest hit state. Why are they telling people this when it 's a violation of the Fair Credit Reporting Act?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I contacted TD Bank XX/XX/XXXX requesting an extension to my maturity XXXX. After having paid perfectly for 10 years, I was informed that they were not renewing land loans and could not extend my maturity date. They suggested I move the loan. I informed them this was not possible as other banks were not financing land loans and the property was worth XXXX % of the loan amount. TD Bank suggested that I file a " Request for Assistance '' ( RFA ) package. I obliged and completed the information. They approved a deed-in-lieu ( DIL ) after 6+ months and I requested that either they forgive the residual balance or we agree to terms for the repayment of the residual balance. They refused and the DIL was cancelled. They had me complete the RFA again for a loan extension/renewal. The loan modification was again denied after another 6 months. XX/XX/XXXX I first contacted the CFBP. I immediately received a response from TD Bank. I explained the situation and was told to complete a RFA again. For the 3rd time I completed the RFA. I then spoke directly to a representative and he again informed me they would not extend the loan as they are not extending land loans. I indicated that I understood and would except a DIL so long as the residual balance was forgiven. The representative asked if I was able to make a principal balance if the DIL was approved and balance forgiven. After consideration, I concluded that I could provide an additional principal payment to the bank of $ XXXX. The bank verbally agreed and committed to this action XX/XX/XXXX/XX/XX/XXXX. It is now XX/XX/XXXX and TD Bank is suggesting that they can not abide by this agreement. I have been contacting them repeatedly without success. They continue to indicate that multiple departments are involved. Please provide any assistance necessary as my note matured XX/XX/XXXX. I stopped making payments based upon the bank 's acceptance of the $ XXXX principal offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: TMX Finance LLC
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have a title loan on my XXXX Chevrolet Equinox through Titlemax located at XXXX XXXX XXXX XXXX, VA XXXX, phone XXXX. The state of Virginia requires a 10 day written notice to be sent before repossession of the car. That was not done and the car was repossessed XX/XX/2016.The repossession agents told me they were going to charge me with a felony if I did n't give them the car. They did or acted like they were calling the police and told my wife I was going to jail. I called Titlemax and I told the person answering the phone I would come in and pay today. The repossession men called Titlemax and they said no but to tow the car in. When I was trying to call the District Manager they pulled up to attached the car to the wrecker. He said I would be responsible for repossession costs. According to 6.2217 of the Code of Virginia, I am not responsible for these costs without a 10-day notice. Also, I was willing and offered to pay today to avoid this repossession. I was denied my rights under Virginia state law.Also, I was threatened with the police and to be charged with a felony and I know that type of intimidation is not allowed according to the Fair Debt Collections Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: Altisource Portfolio Solutions, S.à r.l.
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We purchased a house at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX on XXXX XXXX, 2015. The house is in the name of XXXX and XXXX XXXX and XXXX XXXX. We were told that we had to use XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX ; telephone # XXXX. The mortgage with XXXX XXXX, # XXXX is only in the name of XXXX and XXXX. The reference # at XXXX XXXX is XXXX : XXXX. My daughter, XXXX and her family are living in the house, and we want to file for a homestead exemption. However, XXXX XXXX has not filed the necessary paperwork with the Recorder in XXXX County, XXXX. The deed and mortgage have not been recorded. We have called and emailed XXXX XXXX many times all summer long, but can not get this recorded. Months ago, they told us there was a paper that did not get signed at closing. They sent us some papers, we all three signed them and sent them back. Still, nothing gets done. We told them we are going to sue them since we will have to pay higher taxes without the homestead exemption, and still nothing gets done. The recorder in XXXX County, XXXX advised us to contact the Attorney General. I filed a complaint with the XXXX Attorney General who advised my to contact the GA Attorney General. They sent me to the Banking and XXXX XXXX and they sent me to CFPB. Please help us to get XXXX XXXX to file the necessary paperwork with the Recorder in XXXX County, XXXX to get this sale recorded properly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX I opened up a joint TD Bank account ( with my mother ) for use while I was studying abroad. XX/XX/XXXX I took out the balance from the bank account, walked into TD Bank and asked to close my account. The teller led my mother and I to a banker who reviewed the account information, and said that we do not have to do anything else but 'cut up our debit cards and discard them '. Since there was a XXXX balance on the account, he will close it. After that date, I would receive statements from TD Bank. After contacting them several times, I was told that they are unaware of why I am receiving statements since there was a XXXX balance and I closed my account. I walked into the TD Bank on XXXX XXXX and XXXX XXXX in XXXX and asked to speak to a Banker to handle this issue. The Banker could not find my account information and said that it was closed. At which point I asked to speak to a supervisor. The supervisor was not present and I was told he will reach out to me after I provided my information. I stopped receiving statements and assumed that the issue was handled. At the time I was in college and was aware that I should documented this situation with more rigor. 

Today my husband and I decided to apply for a mortgage and after checking my credit history, I was told that my score is XXXX because I have {$41.00} outstanding as part of collections on that account. The {$41.00} is related to overdraft fees because I had no money in the account ( when the bank account required a balance at all times ). I have never received notice of collections related to this account. Furthermore, I have done everything in my power to close the through TD Bank and was misinformed throughout the entire process. This has now wrongfully affected my credit score and I was mistreated as a consumer. I am a working individual with XXXX debt, but I refuse to pay the {$41.00} as it was wrongfully incurred and should be removed completely from my credit history.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The lender reported my account as 30, 60, and 90 days late. I was not able to access my account due to my account registration information being lost in the mail and simultaneously did not receive the bill ( letters being sent to an incorrect address ). After I was contacted via phone by a collector, I promptly paid the debt and the account has been in repayment since. This account should not be marked as late, I had no knowledge of how to pay or that I was even late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: RateGenius Loan Services Inc
State: AZ
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:
XX/XX/XXXX, rategenius rep XXXX XXXX pulled a hard hit on my credit score without authorization. I applied originally XX/XX/XXXX and refused the loan. I did not agree to have my credit score pulled or checked again. I do not want this loan. He had no permission to incur another hard credit hit and offer another loan I do not want. When I tried to contact credit union west I was on hold for 20 minutes and hung up on. Tried calling XXXX directly and went to voicemail instantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I report the case to my bank and a credit was issues of the amount of {$1300.00}. Am amount was took out of my bank account through XXXX XXXX on XX/XX/2020 at XXXX with the amount of {$1300.00} from this individual $ XXXX, I try asking for my money to be sent back from that particular person but I was blocked and declined, so I report the issue to my bank which they credited my account with the amount {$1300.00} but later took the money out of my account because XXXX  and my bank can not reach an agreement after I told them I was scam or fraud. I also reach out to XXXX XXXX but they told me I should contact my bank which I did but still I was not been taking care off. And the fact is if XXXX XXXX can not provide my money because they are the third party my bank should because I report the case and they do absolutely nothing to take care of their customers.

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 2016-10-26
Company: Senex Services Corp.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Senex services continues to drag their feet validating this debt i 've contacted oringinal creditor and they stated i have a zero balance and they have not sent anything to collection with my name a ssn # it 's been over a month since i requested validation from them and i keep getting the run around, but yet they can verify to the credit bureaus that the debt belongs to me and negatively impact my credit score for a debt that i do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: TD BANK US HOLDING COMPANY
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
We are an oilfield family. The last XXXX3 years have nearly sunk us. I have repeatedly sought assistance from TD Auto Finance to work out some other means to get through this without bankruptcy or reposession. They once gave a deferral, but said we had to pay on time for a year before another deferral could be offered. The website only allows partial or future payments if you are caught up on your payments. It refuses to allow partial payments if you are 30+ days over due. They are causing more late fees by not taking partial pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09
Company: TD BANK US HOLDING COMPANY
State: UT
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
TD BANK XXXXTARGET is reporting a Credit Card account XXXX to the credit reporting agencies XXXX , XXXX , and XXXX XXXX I have sent police report # XXXX to TD BANK XXXXTARGET back in XX/XX/2013 that account XXXX listed with them was due to identity theft. They have failed to comply to the FCRA law of removing these accounts. In this police report attached, the officer documented under property report # XXXX, the LOST/STOLEN reported to the officer XXXX of the Target Credit card account and Identity theft. Including a XXXX card and checks stolen and used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16
Company: Exeter Finance Corp.
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:
Exeter Finance has continued to be untruthful about the status of my account by reporting that there is a balance due of {$1600.00} and that the account is in a charge-off status. The account was settled in full last year in XX/XX/2020 and I was told it would take time for the status to update on my credit report. I called back to follow-up on the status of my account about every two weeks since then and was told to keep waiting as the account would be closed. After two months, i disputed the account as inaccurate status with the XXXX  credit bureau and had to wait 30 days for the investigation to take place. 30 days later the investigation was complete and they were able to confirm with Exeter that my account was still active and that I had a balance of {$1600.00} due immediately and the account was charged off. All of this was continuing to be updated monthly on my credit report even though we had an agreement in place and they already took my money. I continued to call every other day in XXXX to ask why this was being reported when we had an agreement in place and the account was already settled. I finally spoke with someone who acknowledged that the account should have been closed out in their system long ago, but they could not tell me why this was the case. It took them getting a manager involved ( XXXX XXXX ) to comprehend their own information showing the account should have been closed already. I was then able to request a letterhead proof of my account status be emailed to me since they offered nothing and I had to ask for everything myself. The manager ( XXXX XXXX ) called back a week later to thank me for my time. The damage has already been done to my credit as I have a job that requires I do not have unexplainable debt on my credit report and I am now without a vehicle since I am not able to obtain a new vehicle loan due to apparently still owing Exeter Finance for a vehicle that was totaled over a year ago in a hit and run accident, which they for some reason were also not trying to collect and never reached out to me to pay this mysterious past due balance. I fail to understand why I had to invest any time at all into this situation and was not given any explanation as to why this occurred. As of today, Exeter is still reporting inaccurate information to my credit report simply because they are allowed to as that is how the system is designed to work. Whatever the creditor states must be accurate, so I unfortunately have to face the consequences of their lies and jump through hoops in an attempt to resolve their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a XXXX XXXX for {$330.00} and XXXX PET Ugly Sweater with Candy Cane for {$7.00} and a 3 year Target warranty for {$45.00} and taxes of XXXX was the total..ordered on XXXX. Target delivered to XXXX XXXX????? XXXX in XXXX XXXX???????????? They ( Target ) made an error and shipped o the wrong person and address of a person and state i do not live in!!!!!!!!!!!!!!!!!!!!!!!!!! They will only refund me {$330.00} and are charging me the difference for their MISTAKE!!!!!!!!!!!!!!!!!! No refund for sweater, warranty and taxes!!!!!!!!!!!!!!! Target is a bunch of crooks and i will TELL all my friends to NEVER EVER use this place! I had to go to XXXX and buy the mixer and it arrived in XXXX says!!! and at the correct address i might add.

Company response to consumer: Closed with monetary relief