BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-21
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
In 2004 the for-profit college XXXX XXXX XXXX XXXX and XXXX scammed me. I intentionally misled first by the recruitment department and then by the financial aid department. When given the sales pitch of what the institution offers, the recruiter failed to mention that the institution lacked regional accreditation, which I later found out meant my credits were non-transferrable. To add insult to injury, the financial aid department led me to believe that any unspent loan dollars would carry over to the next semester, which in essence would mean that the maximum loan amounts would not be taken out each semester. It was n't until I completed the program, that I later found out the maximum loan amounts had been taken each semester ... even the semesters I had not spent the entire loan amount and once the recruiter resigned from his position, he later called everyone he recruited to inform them of the lack of accreditation. What confused me most was during the exit interview when I was informed that my loan amounts exceeded the program cost. When I asked how that was possible even with me receiving XXXX grants? I was told to be grateful for what I owed because some students have left the exit interviews in tears once they were told what they owed and the exit interviewer also explained that they were told by other students that financial aid had provided them with misleading information as well, but still I was not given an answer as to how this matter would be resolved. Now here I am years later required to re-pay student loans on a degree I could not utilize, forced to start my academic studies completely over as a new student because employers deemed my degree worthless and the credits are n't recognized by the regionally accredited institutions. Any assistance with resolving this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: Global Credit & Collection Corporation
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received a message from Global Credit and Collection company who said it was attempting to collect a debt I owe. I called the number back who said it was a non working number for XXXX. This same company left a message on XXXX other phone numbers that have never been associated with any account I have. It was disclosed on answering machines/voicemail that they were attempting to collect a debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have told them several times that I have no way to pay this, and yet they continue to harass me. I 've asked for a deferment quite a few times, seeing as I 'm unemployed with no way to get a job, but they have n't done anything but demand money. Now, my grandfather has called me to let me know that now they 're sending him letters, saying they ca n't find me. They know my number, they send me bills all the time at my address. I 'm afraid they 're going to start harassing him like they have me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
In 2008 my daughter was a XXXX at XXXX XXXX. I received a call from the school asking if I would cosign a note for her tuition. I did cosign. I did not receive any paperwork. I understood the loan was approximately {$20000.00}. I was told that if I made all the payments for XXXX years, the loan would be put in my daughter 's name and she would have a lower interest rate than I would. At the end of XXXX end of XXXX years XXXX XXXX denied having told me that, Several years later while paying $ XXXX month, I learned I had XXXX loans totaling {$49000.00}. Only in the last XXXX weeks did I learn how the loan escalated from {$20000.00} to {$49000.00}. The note apparently allowed the school to receive additional funds as it saw fit. 
Last week I was told I owed {$400.00} in interest and {$49000.00} in principle, All my payments for the last XXXX years have been applied to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Credence Resource Management has called me repeatedly at my place of employment after I have asked them to remove my work number from their call database. The representative continues to try to talk to me and sometimes escalate their voice trying to talk over me. 

In addition, the representative asks me to confirm personal information prior to disclosing the company in which they are calling from and about. 


Not only is this annoying, it seems to be a violation of my rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28
Company: TMX Finance LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a title loan in 2019 with Title Max. I never missed a payment but when covid happened I had trouble paying some months. I lost both my jobs and title max didnt care they still added interest and I received harassing phone calls daily. I finally borrowed the money from family to pay it off because they started threatening to repossess my vehicle. Title Max is a scamming company who prey on people who are experiencing hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: NEXA Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have a XXXX exchange and contracted XXXX XXXX to do these loans. We had used them recently on a refinance and they had all the documents on file to close escrow. I asked them if they knew who to handle a Corporation loan and XXXX exchange and they stated that they had a lot of experience.Escrow opened on XX/XX/XXXX, XXXX Broker waited until the day we were suppose to close to let us know that they needed a Letter of Opinion form a Attorney and the Operating Agreement. When I asked them why they did not tell us about these letters they stated that they had just found out 2 days ago about the letters. I called the bank who was doing the loan and spoke with the person handling our loan and she advised me that the Broker knew about these letters for a long time. I called several attorneys offices and was advised that the letter of opinion would cost {$5000.00} to {$6000.00} and the letter of organization would cost {$1000.00} and that they would take approximately 4 to 6 weeks to finish. I called the Broker and advised him of the cost. He stated that even if we paid for these letters there was not guarantee that the loan would be funded.We were already 53 days into escrow. We had no choice but to cancel the loan as the sellers were not going to wait. We requested a refund on the Appraisals as they should not have been ordered until they were 100 % sure that the loan was going to be funded. They refused to refund the amount of {$1500.00} stating that they had lost money on this loan. 

Attached is a more detailed description of what happened. 

We are requesting that they refund us the {$1500.00} and that we get compensated for losing our investment monies due to their negligence. 

Thank you very much for taking the time to review our complaint. We hope to hear from you soon. 

Have a wonderful day. 

XXXX & XXXX XXXX XXXX Home XXXX Cell

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. 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 explanation
Consumer complaint received 2015-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Other

Complaint:
XXXX Bank of america accounts over 10 years old. 
Ending in XXXX settled years agoEnding in XXXX settled years agoEnding in XXXX settled years agoI was told upon settlement years ago Bank of America would not report any Derogatory information to the Credit Bureau and they still are beyond statue of limitations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Experian Information Solutions Inc.
State: CO
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:
I have reached out to the companies listed below to provide proof and documentation for these inquiries on my credit profile. No such proof was found or given to me. 

XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2016-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America mortgage department sold my loan to a servicer call XXXX without notify me or acknowledge me. Since BOA took over my loan from countrywide, they discontinued my online bill pay services. Unless I open a BOA saving account otherwise they wo n't let me use online billing services. After awhile they sold my loan to 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 2016-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Billing statement

Complaint:
The last few ( at least XXXX ) statements for my Bank of America credit card have not shown the balances subject to various promotional balance transfer offers that I have taken advantage of. I had this same problem in 2015, and the problem was corrected on a few statements. But now the error has returned. When this happened last year Bank of America took months to resolve the issue and did n't seem to care that they were sending out XXXX incorrect statements. The person assigned to handle my case often did not return calls and was basically useless. A perfect example of a " too big to fail '' bank that does n't care about 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 2021-06-29
Company: EQUIFAX, INC.
State: TX
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:
After a comprehensive analysis of my credit report. I have 4 accounts with late payments that are negatively affecting my credit worthiness and are also in violation of the FCRA.

Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under credit device existing for the purpose of obtaining money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate all 4 consumer credit transaction negatively impacting my credit report. They should all be removed from my consumer report pursuant to USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: AmeriCash Holding LLC
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
The company keeps calling my workplace even though XXXX have demanded that they stop. It has caused me much embarrassment from my staff members as well as comments about me by them. I am uncertain if my references have been getting the same calls or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: EQUIFAX, 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 : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$13000.00}, {$1900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
today XXXX ocwen called to inform me AGAIN that i needed to fax them our tax returns and a letter stating when our hardship began and our application would be complete. i have faxed it XXXX times now along with the letter of hardship. this is ludicris. i have never in my life seen something like this. this is exactly what ocwen did to us when they told us if you want help you must fall XXXX months behind and we did and after we called for help and we sent in a complete application they just kept wanting things over and over and over again the whole time assuring us they would help us to find a resolution to stay in our home. they did this to me for XXXX months, mind you we were already XXXX months behind bc they told us in order to get help you must fall behind, now XXXX months into that help how can you get caught up. does anybody care what they do? is anyone listening to me? if i find me a lawyer that aint scared of ocwen im suing their pants of them. they better cross their every t and dot their i because if their paperwork is wrong i will fight them all the way to the top.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal suddenly closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
My wife and I have been asking Ocwen to verify its information it has been reporting for the past XXXX years on our credit. We have sent numerous certified letters to Ocwen and the reporting companies asking for written verification of the account and the information being reported. We only receive generic form letters in return without any verification of any kind. We believe we have the right to ask for this verification or the removal of all the information they report. We also believe they are only allowed so many days to comply, not the XXXX years it has been.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: MOHELA
State: MN
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:
Because of losing a XXXX I was unable to work for almost a year. I fell behind on my bills. I filed a chapter XXXX bankruptcy. I paid back everyone I owed % XXXX of what I owed! Three months early. Even my daughter 's student loan that I had signed for. Now two months after my discharged in which I thought I was debt free I get a letter from XXXX XXXX XXXX XXXX stating that I still owe MOHELA money. Apparently even though I was making monthly payments to them through court. they were charging me interest. Now they what that interest to be paid. They are charging me interest on my interest. They said that becuse I fell behind that they could " capitalize '' the interest and turn it into principal. therefor I ca n't even get the tax deduction. When I file my chapter XXXX they submitted a claim to the court for what I owed them. Why did n't they ask for the full amount then. 
it 's like a loan shark. Even after you pay them you will always 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 2016-11-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is an additional complaint to the previous XXXX. I already a confirmation number. My account was reported to XXXX on XXXX XXXX, 2016 as increase of {$540.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: MN
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: DISCOVER BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX, 2021 Discover Financial submitted a hard inquiry and pulled my credit without authorization. I spoke to Discover Financial and they removed this hard inquiry off my XXXX and XXXX and they refused to remove it off of my XXXX credit report. I filed a police report to investigate this fraudulent activity back in XXXX. Discover Financial did not have my permission to pull my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The credit bureaus state that inquiries on my credit file that were not authorized are " a factual record of file access '' and refuses to investigate per my written request to dispute. Also the credit bureaus refuse to delete these unauthorized credit inquiries.

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