BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I used my Bank of America Visa credit card in this transaction for which I disputed the charge. I pre-ordered an aquarium from the online retailer XXXX in XXXX XXXX with an expected ship date of XXXX XXXX. Multiple delays led to an estimated ship date of XXXX XXXX, and then finally XXXX XXXX. However, the seller stopped communicating earlier in the year and I have tried multiple times to contact them through various methods such as email, online form, and chat. In addition, I moved in XXXX and have been unable to successfully update my shipping address. I called Bank of America initially to start a dispute and the person I spoke to on the phone said that even though this was charged in XXXX XXXX, that because the latest updated shipping was XXXX XXXX, that it would be no problem and still within timeframe and she was able to initiate a dispute. I received a fax number which to fax in my request and all supporting documents. After doing so, I received a letter saying the dispute fell outside the timeframe and they can not do anything. I called in again and this time a different representative said there is nothing they can do, contrary to what I was told the first time I called.

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 2016-09-01
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
SYNDICATED OFFICE SYSTEMS XXXX {$1000.00} XXXX I 've never been to XXXX.This is a result of someone using my Id. I 've had a fraud alert on my credit file for years

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 2015-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I contacted Transunion via telephone on XXXX XXXX. Talking to the customer service rep to have them remove an OBSOLETE account- XXXX XXXX XXXX # XXXX is showing as account paid in full WAS a charge off. The date of first default on that account was XX/XX/XXXX. They were not helpful and trying to tell me date of last default was XX/XX/XXXX. I called Transunion again yesterday, and they also agreed that an account that old should be removed and it looked odd, but could n't remove it. I am requesting they remove it now. This is violation!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09
Company: Navient Solutions, LLC.
State: VA
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:
Loans are duplicated on my credit report. Report shows I have XXXX student loans. I have XXXX originating from XX/XX/XXXX through XX/XX/XXXX when I graduated. The loans originated with the Dept of Ed and transferred to XXXX XXXX and then to Navient. XXXX loans reported 3 times. XXXX entry states that the balance is {$75000.00} which is inaccurate. The loans are separate. I am in the process of filing disputes with credit bureau. Also, once the loans transferred to Navient XX/XX/XXXX, I was told my first payment date was XX/XX/XXXX. I filed paperwork for a renewal of my income based repayment plan. My payment was {$80.00} a month. Though I was not scheduled for payment, Navient attempted several times to deduct the full regular payment of {$470.00} from my bank account. When I contacted Navient, I was told it never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America sent me a false email and stating that I did not pay my mortgage for XXXX 2015. I paid my mortgage and called them and the refused to mail me a written receipt. 
Please have Bank of America sent me a written receipt for my XXXX 2015 payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
When trying to make a payment or get in contact with someone it is nearly impossible. The past two years Navient has not posted my payment to my account on time and it has been reported to the credit bureaus as being late or not received at all. They will then proceed to call and harass me for payment. Navient has beyond damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: JPMORGAN CHASE & CO.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We were approved for a Repayment Plan in XXXX and sent the Acceptance Form on XXXX/XXXX/15. Our first payment was due on XXXX/XXXX/15 in the amount of {$1000.00} which we paid on XXXX/XXXX/15 via payment over the phone with a Chase Bank representative. We made the 2nd payment of {$1200.00} on XXXX/XXXX/15. On XXXX XXXX, 2015 we received an Acceleration Warning XXXX Notice of Intent to Foreclose XXXX letter in the mail. I contacted Chase and they stated that they Repayment Plan had been canceled as they had not received the Acceptance Form. I advised that we did sign that and fax it back to them. They stated that there was nothing that they could do and I would have to apply again. I requested to speak with a Supervisor, at this point I was transfered to XXXX XXXX who went over the same information with me and stated that she would see if they could reopen the Repayment Plan and asked me to fax the form that I had signed and sent to them in XXXX XXXX I refaxed this to them on XXXX/XXXX/15 ). I then received a call from XXXX on XXXX/XXXX/15 stating that she had discussed this with the managment in charge of the repayment plan and they stated that it could not be reopened and that we would need to go through the process again. XXXX also stated that the Acceptance Form that I had sent back was not the document that they were looking for, I advised her that this is the only document that I received that had to be sent back and had made the first 2 payments and when I made these payments via phone with their representatives nobody told me that they were missing another form. Obviously if I was making the payments I would have sent the document that they wanted back, therefore I must not have received it. I asked if I could have a copy of the document that was supposed to be signed and sent back. I was told that I could not have a copy of it. How can I validate that I did or did not receive the document if I do not know what it looks like??? I was asked if she could have her Manager call me back and I was advised that Managers do not call customer 's back and that I would have to be transferred to the Executive office ( I have talked with someone in the executive office in the past and they were not helpful at all ). They always place the duty onto someone else and it is a vicious cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2017-01-20
Company: Navient Solutions, LLC.
State: SC
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 feel like I was put into forebearance and i did not even know that it would be less costly to pay on income driven repayment plan. No one even mentioned it and now my loans have accrued so much interest. No one even told me about options they just suggested forebearance. I feel like we should be able to trust people working there to have our best interest in mind. We are calling you because we need help. Help us not hinder us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Tormey Bewley Corporation
State: NM
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:
Several attempts to contact the Advantage Group regarding alleged debt collection accounts which are appearing on my credit reports. All correspondence sent to Advantage Group is via US Certified Mail. Despite having received my correspondence this company fails to reply. Despite the collections accounts not being verified, I 've attempted to expedite deletion of these accounts by offering to settle. No response.

Company response to consumer: Closed
Consumer complaint received 2015-07-23
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I recieve a call from Jefferson Capital Systems threatening to have me arrested and other legal actions for a debt that I am not certain is even mine. I requested proof of the debt and recieved nothing, they left more threatening voicemails.

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 2015-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I attempted to purchase a phone from XXXX and they told me that my credit was badd and I had to put down a huge deposit. This sparked my curiosity about my credit because I am XXXX and never put anything in my name. So I went to credit karma to try and get my credit score and it kept saying my personal information I provided did not match the records. Then I went to Transunion to request a free report and it told me that my personal information was also incorrect. My name, birthday and social I entered I know is 100 % mine and correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been trying to work with Navient about lowering my students loans for months now. I have called and faxed documents to my advocate their with proof that I do not have enough to pay the full amount of the loan but need to lower the payments. They requested my mothers expenses which I provided as well proving we do not have the full amount and can not afford the full payment asking for them to help. They have refused to help me, they denied my claims and said I need to figure out a way to get the money. I was told to get a second job or ask family and friends to help pay my loans. I have filed a complaint with the Attorney General of NH and I have not got anywhere. I want to pay my loans but I am asking them to reduce the rates but they will not help me out at all. I have done everything they asked but I am at a loss now. I have been threatened, harassed by them several times a day and my mother has also. I need help with this and can not get anywhere with Navient. I have documents to prove/backup everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
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:
I am the victim of idenity theft. I have disputed fraudulent accounts on my consumer credit report from XXXX Trans Union and XXXX. The continue to report the fraudlulent information on my reports. They are also reporting the wrong date of birth on my credit report. I have submitted a copy of my driver 's license and ss card to verify my identity and each bureau still report wrong information. They also continue to report fraudulent information after I have disputed it multiple times.

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 2016-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have two issues with report. 

1. This is a student loan collection/rehabilitation account with performant recovery which is open and I make monthly payments to rehabilitate the loan but I have disputed the account and they are reporting it as closed derogatory. The account is open. 

2. The original loan was opened with XXXX ( XXXX ) When the loan defaulted, there was a XXXX balance transfered to Collection and a new collection account was opened on the credit report also labeled XXXX. Not only does it look like I 've defaulted on XXXX loans, my credit reports show XXXX in debt, which is clearly inaccurate.

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 2016-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have had my credit monitoring account for 2 years and never had a problem with any alerts reported about my credit account. I received an alert back in XXXX of 2016 that XXXX inquiries had dropped off my report. As I have been monitoring my credit file within this last month the inquiries were added back to my credit file. I have called the credit bureaus as well as the credit reporting companies and I keep being told to by both companies to dispute the inquiries with the other. I was never notified in written about the inquiries being reinserted which is violation of the FCRA Part ( A ) ( 5 ) ( B ) ( ii ).

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 2023-09-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-05
Company: Experian Information Solutions Inc.
State: ID
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2016-11-15
Company: DriveTime
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Within 120 days of the Effective Date, not call a particular phone number related to an account if any person has requested, orally or in writing, that DriveTime XXXX stop calling such number or has stated, orally or in writing, that the consumer that DriveTime XXXX is trying to contact can not be reached at that number ; Must not communicate with any person including references. Requested to do so by the person after the account has become delinquent or DriveTime XXXX reasonably believes that the earlier response of such person is erroneous or incomplete and such person now has correct or complete location information ; and DriveTime XXXX has not had contact ( meaning outbound call with right party contact or inbound call, email, or letter ) with the consumer in 30days or more. Must not communicate with third parties, including references, after the third parties have requested, orally or in writing, that DriveTime XXXX not communicate with them must take the following affirmative actions within the time periods provided : Within 30 days of the Effective Date, not adopt and implement reasonable policies and procedures to prevent communications that would be violation damages to the accountholders. Must not communicate with consumers at their workplaces if consumers have requested that DriveTime XXXX not communicate with them at their workplaces fully aware DriveTime XXXX knows that the consumers ' employers prohibit communications to their workplaces XXXX of FL adhere no personal use company 's property business lines, fax, copier, email and computer system etc.. 

The written consumer information furnishing policies and procedures that Furnisher Rule in compliance effective date cease furnishing information related to a voluntary or involuntary repossession verified the information is falsehood written that must be permanently block the refurnishing of the inaccurate information the accountholder motion name XXXX instance that Motion Consent Order requires the Board to ensure adherence to, or undertake to perform, certain obligations of DriveTime XXXX, the Board must : a. Authorize whatever actions are necessary for DriveTime XXXX to fully comply Motion with the Consent Order ; Require timely reporting by management to the Board on the status of compliance obligations ; Require timely and appropriate corrective action to remedy any material non-compliance with any Board directives related to this Section and more.

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 2016-01-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, XXXX at approximately XXXX hours, I checked my credit report using Experian because this was the ONLY credit bureau which gave me negative remarks with a credit score of XXXX points. I noticed the address of XXXX XXXX XXXX, XXXX, California was wrong. I disputed through Experian by explaining to the bureau that I have NEVER lived in XXXX, California in my life. I live in XXXX XXXX, California since XXXX. Someone stole my personal information such as my social security number and date of birth to open several credit card accounts since XXXX XXXX. I had to dispute several fraudulent charges to several credit card companies by explaining to these companies that I do NOT live in XXXX, California. I would like Experian to remove this address of XXXX XXXX XXXX, XXXX, CA and restore my excellent credit score of XXXX points which I have maintained XXXX years of my life. I owned a townhouse in XXXX XXXX since XXXX due to my credit score of XXXX points. I just refinanced my house on XXXX XXXX due to my score XXXX points. I paid ALL my bills on time throughout my entire life by working hard. The suspect stole my identity on XXXX XXXX and has ruined my life since then. ALL I want is 100 % closure and Experian to restore my credit score of XXXX points. I sent a XXXX XXXX Police report to Experian by mail on XXXX XXXX, XXXX to verify what I said is 100 % truth. Experian still refused to assist me and refused to restore my credit score of XXXX points. I do NOT live in XXXX, California and will dispute many fraudulent charges against me. Experian has most of my personal documents such as my CA driver license, social security card, DMV bill, property tax bill and a XXXX XXXX Police report to prove my identity. The suspect committed the crime of theft using my identity in southern California by avoiding capture from the law and payments. I ONLY live in XXXX XXXX since XXXX. PLEASE remove XXXX, CA from my credit report since I have been a victim of Identity Theft. And PLEASE contact XXXX XXXX by having XXXX XXXX close my account due to fraud and Identity Theft. And PLEASE help me restore my credit score of XXXX points which I work very hard throughout XXXX years of my life. Thank you.

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 2017-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
BofA did not post my payment correctly in XXXX of 2011. This resulted in me being labeled as delinquent. They then posted me as delinquent for the next 8 months as 60-89 days late. They refused to speak with me on the matter. This has had a tremendous negative effect on my credit score.

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 2015-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had an account that was deleted on XX/XX/XXXX from Trans Union and reinserted on XX/XX/XXXX.And it was removed on XXXX on XX/XX/XXXX and then reinserted on XXXX. I never received any notification that it was being reinserted from either bureau and there was no reason for it to be reinserted. Per the FCRA laws I am to be given a 5 day notification and I wasnt .I have at this point contacted an attorney and will go forward with a law suit if not removed and hopefully with your help it will be removed again finally. 
I want the account re-removed because they have failed to follow the law 1681 a 5 a of the FCRA 611 5b.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation