BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
In XXXX, I received notice that my credit score went down due to a late payment of {$6.00} from XXXX XXXX XXXX Bank. I called them as I was never notified of the {$6.00}. In addition, I paid this account in full on Line in XXXX. XXXX XXXX 's said that it was an automation process and would take care of this issue immediately. By the end of XXXX, the credit reports were corrected and my credit scores went back to over 800 where they should have been. NOW, in both XXXX and XXXX, I contacted both verbally and online, the TRANSUNION agency as they reverted My credit score back to the 600 's after the problem was fixed. Both times they sent me stating the problem had been resolved but have not set my credit score back to the 800 's. I am just totally frustrated with TRANSUNION. They are the worst. I want the problem solved. 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 2017-04-27
Company: NCB Management Services Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this for over a year now. I have letters from  XXXX  of   XXXX   that was sent ask ing NCB management a nd  XXXX   XXXX  to send me a payment history, which they refuse to send because  the SOL  in North Carolina have ran out and they are re-ageing the account to add a negative report on my credit report.   XXXX   has removed it because they would not verify the information. I 'm still disputing it with   XXXX   who refuse to send me the verification as well. I 'm giving bo th NCB management  and  XXXX   XXXX  15 days to comply with my dispute or I 'm taking them to small claims court which they would have to provide what I 'm asking. a payment history. this is my final attempt to contact them. I will see them in court. THIS IS MY FINAL ATTEMPT. I have sent more certified letters again. still no response to what I 'm requesting. a payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
XXXX XXXX XXXX in XXXX XXXX, CA made false claims that they would provide job prospects and placement upon graduation and sold high cost loans to pay for that false hope then harassed me for overdue debts while I was in school. The school never intended to extend classes to allow me to finish my educational program. I made several attempts to continue classes but the school never complied. This was negligent on the school. I did not get the opportunity to finish school, so I was never allowed to get job placement. I filed for discharge on the loan based on False Certification Ability to benefit and I am in legal pursuit for debt forgiveness by defraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
BANK OF AMERICA WITHOUT CONSCIOUS FILED A WRONGFUL FORECLOSURE SUIT FOR A MORTGAGE LOAN XXXX THAT WAS PLACED IN A XXXX XXXX XXXX XXXX TO WHICH XXXX XXXX SIGNED THE CUSTODIAN AGREEMENT AND XXXX XXXX & XXXX WAS SERVICER OF THEIR LOAN NUMBERS. THIS LOAN IS A MULTI-PLEDGED LOAN AND NOT MY MORTGAGE LOAN. XXXX GOT XXXX FOR THIS POOL AND OTHERS LIKE IT. BANK OF AMERICA IS TRYING TO MAKE ME PAY FOR THE FRAUD OF OTHERS. I DID NOT SIGN ANY LOAN DOCUMENTS FOR THIS LOAN NUMBER XXXX AND BANK OF AMERICA HAS PRODUCED NONE. THOUGH THIS LOAN NUMBER SHARED THE SAME FHA CASE NO AS MY LOAN IT WAS A SEPERATE LOAN AND PLACED IN THAT POOL PRIOR TO MY XXXX PAYMENT XXXX 2008 AND ACCORDING TO BANK OF AMERICA MY LOAN XXXX WAS ALSO PLACED IN THAT SAME POOL. BOTH LOANS TAKEN OUT OF THAT POOL AT XXXX DIFFERENT TIMES AND BOTH XXXX SEPERATE LOANS. THIS COMPLAINT GOES WITH COMPLAINTS XXXX & XXXX. FOR SOME REASON I CAN NOT ACCESS MY ACCOUNT TO REVIEW, COMMENT, ETC.

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 2017-01-28
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been affected by the recent allegations against Navient regarding my loans as well. My loans were originally with another creditor and transferred to Navient. As early as 2007 I have fallen under all poverty income guidelines for all government agencies and/or have attended school at various places. Instead of offering deferments, or offering with income driven repayment plans, I too have been offered economic hardship deferments, where my interest rates have continued to soar. They would capitalize interest and let it build.I am now paying monthly out of pocket to an accredited online learning institution because I can not afford otherwise to attend school. I can not afford to pay the payments each month requested while not in the IDR plan. They have request XXXX per month out of my XXXX income which supports XXXX people in my household. I also work for XXXX for over 15 years and this was never asked of me and loan forgiveness ever discussed either. I feel this is unfair and I will have to pay thousands in interest that could have been avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I had my student loans with XXXX XXXX at first then Navient took over. My student loan went from about XXXX to now {$37000.00} plus. I could not afford even the IBR payment at the time and had to keep my loan in forbearance. I would call and tell them that I could not afford the payment and they would not help me telling me there was nothing more they could do for me. Then 2 years ago when student loan forgiveness was in the forefront I called to see if I was eligible and now I have my loans with XXXX. I struggled months and months of making payments to XXXX/Navient. I was wondering if I would be eligible for any monies if Navient has to pay a fine and would give students back monies for their scary practices? I will never get my student loan paid off but I am eligible for loan forgiveness in 10 years because I work for a XXXX through the Public Service Loan Forgiveness program What is unfair is I have made many months of payments to XXXX XXXX and when I found a way to be able to get my loan bought from XXXX I had to start over making payments that would have counted for student loan forgiveness 10 years of payments. XXXX XXXX was not very helpful when I asked them for help when my loan was with them. I know I accured many late payments because of trying to stay current on my loan with them. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Second or third time I 've had this issue with capital one. When I was upgrading my card I was told there would be no annual fees not only for the first year, but no annual fees ever I am always very specific about this. And after a year I received an annual fee! I call in ( takes over an hour! ) Manager says although I was given incorrect information there is nothing she can do and I will unfortunately have to pay it. This is YOUR business YOU are the one responsible for what you say, you 're the professional not me. She agrees but says i 'll have to pay the fee for their mistake ... That 's crazy. I insist i 'm not going to and that you 're not allowed to lie to the customer and after about 10 minutes of standing my ground she said she would 'look into it. ' First of all they are n't going to look into it they never do, and second had I not insisted for 10 minutes, spent over an hour being transferred from one person to another I would have got stuck paying this bogus fee ( and as of right now they still want me too! ) {$19.00} is worth an hour of my life and a lot of americans feel that way too so they do n't even call in to argue. This needs to stop! Oh and they also 'correctly upgraded my card ' so there should n't be a {$19.00} fee next year ... or so I was told. They just prey on people forgetting and not wanting to waste their time calling in. Insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result I have been gravely effected and my credit score is suffering as a result. No notice of was ever given to me which is also a violation. I am requesting that ALL inquires be removed. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2015-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had a auto loan with bank of America in which we agreed on a payment to close the account out after they sold the vehicle at a auction. they also stated if payment was made in go faith they would delete this item from all three credit bureaus I made the payment as agreed and this item is still reporting on all XXXX credit files. I contacted them and disputed several time but no success.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
In the beginning of re-payment, payments were misapplied. Co-signer was harassed with 30+ calls a day. It took at least 5 phone calls to several different people for them to figure out it was there issue. Two years later, I 've never missed a payment and asked for a 6 month deferment due to attending the XXXX and was told " NO, get you cosigner to pay it ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
NAVIENT has change my Federal Student Loan to a Personal Loan and they are trying to send my loan to a collection agency, even though my other loans that Navient has on their books are in Forebearance

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
On XXXX Bank of America sent a notary to my property @ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX for me to sign DEED IN LIEU paperwork. 
Bank of America has not submitted this paperwork and has reported the property as " abandoned ''. 
Bank of America has forced me out of my home that I built in XXXX, ruined my credit, and caused me undue amounts of unnecessary stress related health issues. Bank of America has harassed me to no end while trying to work out this issue. They were supposed to modify my mortgage, then turned around and SOLD my house! I got that issue resolved and then they still have n't ended this nonsense. Earlier this year, I thought filing bankruptcy was the answer, however, I rescinded that option. I thought signing a Deed in Lieu would bring me some closure with Bank of America and it has not. 
Please, can you help me with this situation with Bank of America.

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 2017-01-27
Company: Navient Solutions, LLC.
State: MI
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:
I have been repaying more each month than is due. However, Navient still attaches late charges to the month that I paid after my due date. Even though my account was paid in advance. They also make impossible to speak to a representative who is within the United States who I can understand. I emailed them and they do not respond.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-06
Company: Southwest Credit Systems, L.P.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2016 I signed up for XXXX XXXX internet and phone service. Over the course of the next several months the services would constantly come and go. On 3 occasions XXXX sent service techs to our house to try and remedy the problems. After doing so, they would work intermittently and stop working for periods of time. My wife and I rely on dependable internet service to do our jobs and so after 40+ hours of lost time working and several other hours speaking with XXXX representatives we decided to cancel the service and get something more dependable. I called and cancelled my service with XXXX and told them I would no longer pay them for the service they were NOT able to provide, in doing so they also tried to tack on an early cancellation fee which I also refused to pay since they could n't provide the service. At this point, XXXX was attempting to collect a {$90.00} for service and plus another {$90.00} for an early cancelation fee. After sending them a letter stating all this, they sent it on to a 3rd party collection agency to try and collect. I relayed this 3rd party that I was disputing this debt they say I owed due to the reasons listed above and I did not hear from them again. Now, another 3rd party collection agency is once again trying to collect this debt now totalling {$250.00}, and they have gotten far more aggressive. Today alone, I have 5 incoming calls from Southwest Credit. To sum it up, I would be happy to pay for service provided but I refuse to pay for service I did n't get and ulitmetely cost me money for lost work and I definitely refuse to pay a cancellation fee for cancelling service that did n't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: FACTUAL DATA CORP.
State: NC
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:
I was trying to get pre- approved for a home loan and there are three address listed as my residence that I have never lived at and do not even know where they are. They are listed as XXXX XXXX XXXX, XXXX, NC ; XXXX XXXX XXXX XXXX XXXX, XXXX, NC ; and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NC. I have never lived here and need these removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I would Like to file a complaint on bank of America On XX/XX/XXXX I sent a request for them to investigate a authorized credit inquiry on my XXXX and XXXX report I sent in a copy of a police report explain that I was a victim of id theft. Bank of America never replied back the inquiry was Pulled on XX/XX/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 2016-01-19
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient misled me and my family into a payment plan to prevent any negative credit reporting but then they reported all of us to the credit reporting agencies. The Navient representative told me that I only needed to make the XXXX qualifying payments to prevent any negative reporting on my credit and to bring my account current. This conversation was on a recorded line. 
Furthermore, I am ran into technical problems paying them in XXXX ( I used the same bank account for 13 years but they said it was my fault ). 
Here are my last XXXX payments. 
XXXX XXXX XXXX payment in new payment plan XXXX XXXX Paid for XXXX and XXXX. XXXX did n't go through? No record of them attempting a payment in XXXX. 
XXXX XXXX No one knows why they charged me. 
XXXX XXXX No one knows why they charged me. 

And somehow they are demanding {$1300.00} this month? Plus, they refuse to remove the negative report on my credit. 

Can someone please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America has refused to give me any credit for a {$4900.00} check that was taken, but not processed, by a malfunctioning ATM ( ATM ID XXXX at the XXXX XXXX XXXX, XXXX, PA XXXX location ) on XXXX XXXX, 2015 at approximately XXXX. I am a student at XXXX XXXX XXXX XXXX XXXX. The check was issued by XXXX University as a tuition refund. I spoke to multiple supervisors at the branch, including the Branch Manager, XXXX XXXX. I also spoke with multiple supervisors in the Electronic Claims Services Dept. They refused to give me any credit for the check, although I explained the circumstances of the malfunction, including the amount of the check, the issuing party, and my relationship to the issuing party. 
Additionally, I cited a previous instance in which a Bank of America ATM took approximately {$400.00} cash that I deposited. I was given a {$200.00} dollar credit while they investigated the issue. Yesterday, Bank of America informed me an investigation would take 1-10 business days to be resolved. XXXX XXXX advised it would take 2-3 weeks to cancel the check and have another re-issued. Bank of America declined to issue any credit for the check due to the amount of the check. Moreover, today I was informed by an account manager that there was no record of my card being used at the ATM, nor any record of the check at the ATM ( XXXX XXXX was witness to this conversation ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I deposited my paycheck from the state of California at a Bank of America teller on XXXX/XXXX/16 for {$16000.00} at XXXX branch. Bank is saying they have no record of the check. They have refused to credit my account. I have a receipt that they issued when I deposited the cheque. What should I do?

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 2017-03-12
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been repaying for years almost XXXX a month. When I call they tell me to do a forbearance and everything I pay never goes to any of the the loan I first took out. In fact the loan amounts are higher. They add the interest to the principal no help from navinet at all. They just tell me to pay more then the min. I have switch to auto debit pay and there is no discount as I was told when I sign up for their autopay. I graduated 2010 and my loan is now higher then what I took out. I have paid them almost XXXX so far for a XXXX loan and I still own them XXXX ...???? I would have been better with a loan shark. On top of that when I was in school the loan I got was not enough to cover everything. I had to get a private loan to cover more or else they would n't let me go to school

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
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:
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX/XXXX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.

Company response to consumer: Closed with explanation