BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-23
Company: LEXISNEXIS
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: Old information reappears or never goes away

Complaint:
XXXX AKA Lexis Nexis is Reporting to DMV and Insurance companies about my past Driving history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This collection agency has placed a negative trade line on my credit reports indicating I owe them, or the original creditor they represent, money. I have not received any notices in the mail regarding this account nor was I given the opportunity to dispute the validity of the debt. Once this trade line appeared on my credit reports, I sent a certified letter to this collection agency requesting validation of debt. I have received no response. I sent another certified letter to them informing them I intend to sue for violating my rights under the FDCPA. I still have not received a response. The trade lines are continuing to appear on my credit reports even after I have presented the letters to the credit bureaus. Collection activity continues to occur after I requested validation. The lack of action and/or response by this collection agency demonstrates noncompliance with section 809 of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XX/XX/XXXX, my stepson, had started a new job. It was a good one, and it seemed that his life was starting to take a positive turn. My wife asked to help him with the purchase of more reliable transportation. We wound up purchasing a new Ford Focus through a dealership near XXXX, TX. I assumed that it would be reliable, and that he would have pride of ownership. I put in a {$2000.00} down payment and agreed to cosign the loan ( Regions # XXXX ). My Father had done the same for me when I graduated from college and I appreciated his assistance. The intent being that my stepson would handle the car payments, insurance, and operating costs. This all went smoothly for a year, until in XX/XX/XXXX, he was released from his employment. Although constantly reminded of his responsibility, he demonstrated minimal motivation for making the car and insurance payments. XX/XX/XXXX, payments began to falter. Being the only one who would respond to Regions calls about the delinquency, I had a number of conversations with your representatives to discuss possible resolutions. I did not see making the payments myself as a long term solution to the problem. I was able to buy a bit of time with the deferment of a couple of payments to the end of the loan with the hope that my stepson would make the payments as required.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I never received statements from   XXXX   XXXX   When did get them I was in hospital and explained to them. Caught payments up and they closed my account. Have asked them to reduce interest rate or reopen account. This is the only mark 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 2017-05-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied to consolidate and refinance my federal student loan from an agency called   XXXX   XXXX   XXXX   XXXX   in   XXXX   XXXX  , in order to reduce the payments I was making at the time. I completed my application for consolidation and refinance, and received word that my new consolidated private loan was sold/given to  Navient. I  prepared to begin payment of my loan in   XXXX   XXXX  , and continued to receive billing statements from   XXXX   XXXX  , my previous federal loan servicer. I proceeded to call and speak with customer service representation at   XXXX   XXXX  , who stated that there was no information in their data base indicating my loans had been paid off and/or consolidated. In turn, I called   XXXX   XXXX  . The customer service representatives at this agency also stated that it appeared as if my consolidation process/payoff was not presenting as complete. In turn, I called  Navient, wh ose customer service representatives stated that no evidence of partial consolidation/payoff was observed, and that further inquiry would be required. Thus, I had received verbal guarantee from representatives of both   XXXX   XXXX   and  Navient tha t inquiry would be made regarding the observed and confirmed error, and follow up communication would occur. I waited for a period of weeks, with no reply from either entity regarding this matter. Meanwhile,   XXXX   XXXX   continued to bill me for the federal loan. In the same period, Navient private loan department began contacting me about payment deadlines for my new private loan. At this point, I became very concerned, as I had  XXXX  agencies billing me simultaneously, and no follow up communication to update me about the progress of my consolidation, even though my loan was stated to be complete and privatized p er Navient.  Without any further communication from the aforementioned parties, I developed an emotional panic, and reached out to a third loan consolidation agency, which in turn led to financial victimization  ( See  CFPB complaint #  XXXX   ) .  The ultimate res ult of this error has been significant unethical financial loss to my family, as well as a persistent emotional distress I have experienced since it became apparent that multiple agencies were billing me for a student loan, and I received no follow up assistance despite the appropriate communication efforts, which I made in good faith and trust in these entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2017-02-20
Company: EOS Holdings, Inc.
State: KS
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:
The firm EOS CCA in XXXX, MA contacted me saying I owe thousands of dollars to a phone company I have never used. I mailed them a dispute letter. In response they mailed me a copy of a bill, which is clearly not mine : incorrect last name, incorrect location of residence, account number I do n't recognize, service provider I have never used, etc. The evidence shows the debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: CITIBANK, N.A.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I received communications from : XXXX XXXX XXXX XXXX XXXX XXXX. 
United States ( XXXX ) XXXX And stated that I owed money on online installment loan. I did begin payment on the debt they claimed believing that it was indeed valid. However as time went on with monthly payments they requested payments on an iPhone gift card. I have never ever had to pay any company for any debt with this method. It was very odd and raised an immediate flag. When trying to obtain information on it they went directly into threatening an arrest warrant and court procedure. I want to make sure this is a valid debt and if not report them for fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: DISCOVER BANK
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a United States  XXXX  who partied in  XXXX . When my  XXXX   XXXX  contract ended, I attended  XXXX  University where I obtained a  XXXX   XXXX . To cover the cost of tuition acquired federal and private student loans. Shortly after acquiring my loans,  Discover increased my monthly payment to {$650.00}. I call Discover  on several occasions to negotiate a lower monthly payment, and I was told to pay {$320.00} at the due date and pay another {$320.00} before the next due date to avoid going into collections. Managing my payments that way would eventually became very problematic for me. However, I did as I was told for as long as I could, until my contract at work wasnt renewed . I called Discover a gain to explain my situation and I also explained that I had an arrangement with  XXXX  to cap my monthly loan payments at {$450.0 0}. Discover woul d not offer any flexible options for repaying loans. I had to decide between, rent, and keeping my other debts  (  credit cards ) current. I am not proud of my financial circumstance ; however, I feel I did all I could to keep my loans from going into collections. As I write this letter I still owe over  $     40K in Federal student loans and I have close to $ 10K worth of credit card debt. I want to pay all of my de bts and improve my credit worthiness but at this point in my life I dont make a whole lot of money. Outside of my private student loans, I have never defaulted on any loans or credit product. My federal student loans, credit cards, and car loan are all current. The primary reason for all this is because they were willing to offer me a flexible payment option. Today I can honestly say, my private student loans are  one of t he reasons for my  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a third party debt collection agency. I have n't done business with this company  Choice Recovery  #  XXXX . Choice Recovery is in violation of the HIPPA act by accessing my personal medical records and billing. This account was never validated, by telephone conversation,  Choice Recovery was unable to locate exact information pertaining to this account. Please cease and  desist all communication and collection actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: UT
Product: Credit card
Issue: Other

Complaint:
Wakefield & Associates is collecting a debt that is not valid on my report. I have disputed them through all XXXX credit reporting agencies, XXXX did not verify the debt as valid. XXXX said the company verified the debt. When the company was contacted, they were very abrasive and rude. XXXX is lazy in their verification process. XXXX reported that they did a XXXX part inquiry to verify. The company could not verify the information, yet somehow XXXX insists that they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: GREAT LAKES
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I make my monthly payments on time to Great Lakes, however when I make my extra payments, Great Lakes misapplys these payments. They did this to me 2 times. I made  2 extra pa yments of {$50.00} dollars toward   XXXX   XXXX   on  XXXX  and  XXXX . Both payments got misapplied even though I provided Great Lakes with instructions in a certified letter on how to apply the payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In   XXXX   XXXX   Chase approved my application for the  XXXX   XXXX  credit card and I added an authorized user. In   XXXX   XXXX    ,  Chase  charged me a total of {$520.00} annual fee, which was {$450.00} for me and {$75.00} for my authorized user. Please see attached  XXXX  statement. In   XXXX   XXXX    , I paid the annual fee. Please see attached  XXXX  statement. In   XXXX   XXXX    , Chase closed my credit card. In   XXXX   XXXX    , I asked Chase for a refund of the {$520.00} annual fee and Chase refused. Please see attached correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
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 've had so many issues with Navient : Taking money from my account ( in amounts of XXXX, leaving me XXXX in the hole!! ), lying, threatening me on the phone, suggesting I become a XXXX or XXXX to assist in paying my student loans. They play games and I have to obsessively monitor my account for errors to the point where I have have XXXX regarding these loans. Just this morning, I check my bank account like I usually do in the XXXX because of Navient 's game, and my XXXX payment was put back into my account with no explaination or response from Navient. There is no documentation I made the payment or was refunded. So now I am at risk of losing my special payment plan because of their errors. 
I also requested they mail me every single statement from the last ten years ( my borrowing time frame ) and after a month and a half later, I received statements dated from XXXX with XXXX missing. The errors I am questioning have occurred from XXXX ( the statements missing ). 

I 've made complaints before and e-mailed politicians and lawyers on this company, and since then I have had these questionable issues happen with my account! 

Attached you will see a screenshot of my bank account from XX/XX/XXXX, with a bunch of unauthorized transactions totaling {$40000.00} that were attributed to a " XXXX dial '' of a payment. Which is false, because you can not process a payment of more thn {$10000.00} online you need to call! 

Please please fine this company. They are ruining my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
There is a full deposition of the stamped fraudulent signature of  XXXX   XXXX  entered into a court case No. XXXX  In the United states court of appeals for the fifth circuit which is also stamped on our note this by law makes the note void

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
Hi, On XXXX/XXXX/XXXX I charged {$86.00} worth of merchandise at XXXX. Due to no bill coming in the mail or the computer email reminder stating this bill is outstanding, I forgot and failed to pay the original balance of {$86.00}. I received a call from a collection agent XXXX XXXX, XXXX informing me my bill is PAST DUE and outstanding and I owe {$200.00}, I asked why I was now being informed the cost is {$200.00} and I was not notified by written or email the original balance {$86.00} was outstanding. I asked for the dates XXXX notified me and the collection agent XXXX on XXXX/XXXX/XXXX could not provide dates I was supposibly notified ), I explained what happend and I was sorry I overlooked the {$86.00} charge, however I did not receive a statement by mail or email and could not understand why I was not notified. I immediately paid the {$86.00} and XXXX late fee to the store directly, I had no help from the collection agency so I called XXXX directly to explain the situation. XXXX representative was able to see the payment from the original purchanse and XXXX late fee and was able to credit fees and interest that were adding up after the payment was made. I was still receiving statements with late fees and interest on the late fees after my call. On my final call to XXXX customer service supervisor on Tuesday XXXX XXXX, XXXX XXXX waived the additional fees and explained the situation is closed and I should not receive any other bills reflecting the late fee and charges. XXXX reported to my Bureau as if I was consistantly not paying and it dropped my score considerably. I am requesting this derogatory tradeline be deleted from XXXX, XXXX and XXXX. 
Thank you for taking the time to investigate.

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 2015-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
with " automatic bill pay '' my account was withdraw XXXX ( same amount XXXX dollars, on XXXX XXXX, and XXXX XXXX. ) When I checked online to see if my pension money was available I noticed the mistake. This mistake made incur in overdraft, so they start withdrawing a XXXX dollars fee ( XXXX times ) they did n't do it more times because I got my XXXX money deposited and the account had founds. 
Bank of America, send emails to see if their service was good, they call you to offer you new products, but they never called me, to tell me they were withdrawing this fee in an abusive way. Because, XXXX can be a punishment, more than XXXX about the same without notice to the affected person shows they are profiting without any ethical principles. 
I went to the bank in person, they sent me home, this issue can be solved only over the phone ... Next day, called at least they transferred me to XXXX different people and explain the whole issue since the beginning, maybe their solution was to make me give up, instead to give me a professional answer. 
They agreed about the mistake ( almost one hour later ), and refund XXXX dollars ( when really they deducted XXXX ), so I have other call pending to claim on the same. 
This is no the proper way to treat a XXXX who is a loyal customer of them for the past XXXX years at least. 
I got punished for their mistake in XXXX, and same problem had occurred on XXXX, so is recurrent this unfaithful practice. 
How they can do with me and my money whatever they want, and I have just to watch? 
I am just a person who lives on his retirement money not an account knowledge professional. 
Why Banks do n't inform the client as soon as they take money as " penalty ''? and really at my XXXX years old I did n't feel treated with respect and understanding.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-08
Company: FIRST CITIZENS BANCSHARES, INC.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX   XXXX   sold their banks to  First-Citizen s Bank & Trust Company  ,  XXXX , NC. My direct deposit on  XXXX / XXXX /   2017 was not   received, causing an overdraft of {$37.00} and I was charged a fee to high for a program I was part of, paying {$7.00} a month fee. If I was over drawn I was charged an aditional {$2.00}. My account is {$190.00} overdrawn. Why were the ccustomers NOT notified.  <P/> I am changing to another bank and receiving a check from the company that pays me   2x a month.
<P/>  I was unable to go into my investment acoount to pull mony out on Friday  XXXX ,  2017. It was  too late in the day when I discovered  XXXX  was sold.  <P/> I had Banked with   XXXX   XXXX   for  10 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 monetary relief
Consumer complaint received 2017-05-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
They denied me I sent many complaint cfpb does n't care if I become home les s u n eed to be more sgressiev e Wachovia is a  reason for my loan this loan was trouble since  2007  the invester for this loan should held accountable he sticked this fraud loan to me and now his having a good life and I have to suffer forgive this loan I have a  XXXX  husband I have enough to deal with loosing my home is a death to me.

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 2022-10-15
Company: Maximus Education, LLC dba Aidvantage
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
requested refund for {$24000.00} from aidvantage on XX/XX/2022 in order to qualify for student loan relief. I was told I would receive the refund in 4-6 weeks and no payments would be taken from my bank account until after XX/XX/2022. My balance is showing XXXX ( paid in full ) but a payment of {$320.00} was taken from my account on XX/XX/2022. It has been 7 weeks since I requested the refund and I haven't gotten it or any confirmation that it was even processing. Can not get a straight answer from any customer service agent when I call.

Company response to consumer: Closed with explanation