BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-01
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I took out over {$100000.00} for an XXXX degree. This was foolish. I graduated in XXXX, and found a job at a school making around {$16000.00}. For many years I missed payments. Depending on the credit agency you consult, I 've made between 59-65 % of my payments. I am current with my loans as of today. I am making {$32000.00} a year or {$2000.00} a month, and paying a little over {$1000.00} a month in both private and federal loans. After taxes, I 'm effectively making around {$12000.00} a year. Navient, to whom I pay around {$800.00} a month, will not provide another payment option, and I 'm not sure I would want it if they did. If my payments were much less, they would no longer cover the interest accrued that month. Since I took them out, my loans have grown by {$10000.00}. Furthermore, I have no hope of paying this off in less than XXXX years. 

Frankly, if I were to default and Navient and the federal government garnished my wages for the rest of my life, I 'd still end up paying significantly less per month than I do now, at least under Illinois law. 

I admit I was naive to think taking out such enormous loans for a degree in XXXX was a sound investment. But there were hundreds of trained professionals at XXXX XXXX ( now Navient ) who could have decided these loans were predatory and did nothing. No sane individual would think giving someone over {$100000.00} to study XXXX at an unknown private university would ever return reasonable dividends. But I was the first person in my family to go to college, and believed the hype about college as the XXXX to employment and success, when for me, the reality is I would have been much better off without it, or at least this particular degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: PA
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 am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I want to make you aware of the VISA and MC " VAU '' Visa Account Updater and for Master Card, The Automatic Billing Updater or " ABU '' Programs. These are Programs whereby if you report your card lost or stolen, issuers of credit cards automatically issue your new credit card number to merchants that request it when you have a monthly billing or " continuity '' subscription with that merchant. They do this without asking or notifying you. They are in essence giving your number to a third party without your consent. In my situation, a fraudulent billing account was set with an online Merchant named XXXX. I was unable to get any redress from the Merchant as I did not create the account and could not provide them an account name or number to cancel. It was set up fraudulently. I called my card issuer ( BofA ) and they canceled the account and issued a new card. A month later the same charge showed up on the new card. BofA again cancelled the card and issued a new one. Its now 3 months laster, I am on my XXXX card and again the merchant charged my card without any contact from me. Someone is providing them the new card number to continue billing me erroneously. The problem lies in the fact that VISA, MC and all major banks like BofA have this program that provides the merchant the new card number to ensure a smooth transition to KEEP BILLING THE CONSUMER even after they have filed a fraud report. I find it incredible that BofA Fraud department keeps taking my fraud report, changing my card but VISA keeps giving out the new card number to the merchant without my approval. I am stuck in a never ending cycle of fraud, perpetrated by the bank and VISA and my only recourse is to cancel my relationship with the bank. 
This is a Bad financial policy. I urge the CFPB to investigate the financial industry giving out personal financial info without my consent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-31
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card
Issue: Rewards

Complaint:
I am writing you to lodge a formal complaint to TD Bank regarding the sudden, unjustified closure of my TD Cash Rewards credit card account. 

When I opened the TD Cash Rewards XXXX credit card account on XXXX/XXXX/XXXX, there was a promotion attached to my account for " Earn 5 % cash rewards statement credit on eligible purchases with your TD Cash Rewards XXXX card. Eligible purchases include dining, groceries, gas and cable, phone and utility bill payments for the first XXXX months after account opening ''. Everything was fine for the first XXXX months. However, in the XXXX month, all grocery store purchases I made between XXXX only earned me 1 % cash rewards. I called TD bank to inquire about the missing rewards on XX/XX/XXXX and without any notice in advance my credit card account got cancelled on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-02
Company: Navient Solutions, LLC.
State: NC
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 received a letter in the mail a couple of weeks ago stating that my student loan payment was being reduced because of a government ruling. It dropped a few dollars. 
Then I received another letter in a non-descript junk mail looking envelope. I opened it and it stated that my payment had dropped because they were reseting my loan to the maximum term under federal guidelines..My monthly payment would go down but the overall cost of my loan would increase. 

I immediately called them to correct the situation. Had I not opened the letter by chance I would not have known, and the provider would have gathered an extra year of interest fees. This was from Navient. It was very deceptive and with the sole purpose of trying to slide by an increase in my payment amount over time. 
This is not forthright or ethical, downright sneaky and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
There is a loan for which I co-signed for a college student. This student has had very a difficult time repaying the loan. He has contacted Navient on numerous occasions to try to restructure this loan to make it easier for him, but they will not help him. He has XXXX XXXX XXXX, and the cost for his insurance and XXXX take the majority of his monthly income. Navient services this loan. If he is less than a week behind in making his scheduled payment, Navient begins calling me. As the past due time continues, they may call me 3-6 times in a day, calling my home as early as XXXX or as late as XXXX, calling my business provided cell phone the same number of times. They will not work with him to adjust the current terms, and will not consolidate this loan with his other loans to create new terms.. on loans which they also service. Currently this loan has a payment that is scheduled to be made from the student 's bank on XXXX XXXX 2016. When this payment is made his account will be current ( at least for now ). Despite this arrangement, which I have had Navient confirm for me over the phone, they call me a half dozen times a day demanding payment. 
There was a time when I was willing to take this loan over and just pay it to stop the calls and the stress ( I am not going this route currently, as I need the student to take responsibility for his loan ). However, at that time, I begged Navient to adjust the terms of this loan for which they were holding me accountable. They would not adjust anything on the loan to meet my needs and financial situation, despite holding me responsible for the repayment of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: AES/PHEAA
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have a dispute comment on my credit report : Delinquency past due account ( note on credit report ) I have contacted the agency to have remove this from credit because I have make s payments and the account is in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: Brightfunders, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2021, I faxed my 3 tax bills to Homeside to make sure that they had the bills in order to pay my property taxes from escrow. The 3bills are as follows : 1 - 2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX- {$830.00} ( PAID ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX- {$2200.00} ( PAID ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - {$200.00} ( NOT PAID ) I have corresponded with Customer Service and the Research Department by phone. I have also sent in multiple emails with the documentation including the bills, the deed to the property, as well as a map of the property. The tax commissioner also faxed in a letter explaining that my taxes were delinquent but Homeside maintains that their tax department 's research concluded that I owed no further taxes. Much to my surprise, the tax department can not provide documentation as to who they talked with and when they communicated with this person. I have requested that this information be provided, but to date, it has not. I am asking for Homeside to pay the taxes that are itemized in the bill as well as included in the closing documents. Additionally, I am asking them to pay for any late fees and/or interest associated with this incident. I should not be encumbered by any of the late fees or interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Experian Information Solutions 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2015-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX debt collectors incessantly called me during the months of XXXX and XXXX 2013 to collect on an alleged Bank of America credit card debt. I remember these repeated calls as annoying, aggressive, intense and oppressive. All of these calls took place while I was attempting to work. 

XXXX insisted that I had to settle my alleged debt before the end of the month or the settlement talks would end. It appeared, based on their aggressive and oppressive behavior, that they were indeed desperate. Therefore, I better settle the alleged debt by the end of the month or the endless and degrading phone calls would never end. 

The calls, to my recollection, started with the initial collector who was rude and aggressive and tried to force me to settle the alleged debt at a price that I was unable to afford. Then I was moved around between different " levels '' of surly and degrading debt collectors. This culminated in a high pressure settlement on XXXX XXXX, 2013. ( See the attached letter from XXXX XXXX, dated XXXX XXXX, 2013. ) As I state below, the only reason I paid the alleged debt was to end the incessant and harassing and oppressive XXXX XXXX phone calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Harpeth Financial Services, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX. I didn't receive the letter until around XX/XX/XXXX or even later. I just found out that this client/law firm filed a lawsuit against me in my county on XXXXXX/XX/XXXX. I just made a complaint on them yesterday not knowing they did this. 

This law firm did not give me the required 30 days to even RESPOND to their letter and filed the suit early. 

I have no notice of the suit being filed, no summons, no letters, etc. that the suit was even filed or going to be filed. The letter was a demand letter to send payment. 

I told them yesterday that I would be happy to make payments on this account at $ XX/XX/XXXX month or even more increments but I dispute the almost {$600.00} in attorney 's fees. 

I REFUSE to pay ANY attorney 's fees, especially ones that are {$600.00} to write a one paragraph letter. 

I will also complain for the second time regarding this to the TN XXXX XXXX regarding their lack of communication tactics. This lawsuit was filed LESS than the 30 days that is required for me to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Mr. Cooper Group Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
We contacted XXXX XXXX to inquire about a home equity line of credit. XXXX XXXX XXXX XXXX NMLS # XXXX was the agent assigned. I explained to her that I wanted a home equity line of credit only. She said that was fine and just needed to run our credit. After running a hard inquiry on our credit history, she stated our credit was good however XXXX XXXX does not offer home equity loans. I asked why she would do that when she was aware we only wanted a home equity loan. She stated that it so she could offer others XXXX XXXX products. The credit report was ran under false pretenses and caused our XXXX XXXX to drop. We have contacted XXXX XXXX to ask for help with correction of our credit report. She has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My loan was recently transferred to Navient. I have received multiple emails, calls and letters about renewing my income-based repayment plan in recent months. Each time I call, I am given different, contradictory information and told I have to call back at a later date. Half of the time, the call is dropped, and I have to call back and start the process over again. Eventually, after at least six calls over two months, I was told I had to make an extra payment to exit income-based repayment. At fist, I was told that one-time payment would be credited toward my next month 's payment. But after I agreed to the one-time payment, I was told my next payment would still be deducted. Given this frustrating experience, I have no faith that anything I am being told is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: Colony Brands, Inc.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Someone stole my identity and used it to open a fraudulent credit card with Montgomery XXXX to purchase merchandise. The first time I heard about, I received an invoice from Montgomery XXXX for products that were shipped to a different address than mine. That should have been a " red flag, '' which they ignored. I contacted them by telephone to advise them about the fraudulent credit card. They promised to take action and did nothing. Since advising their credit department, I have written several letters explaining the situation. However, they actually let the criminals charge more goods, and continue to send me invoices and reminders about payment. I am at wits end. Today, I received a letter from them stating that they have heard nothing from me, which is a lie. I believe they have tossed my letters into the trash and continue to harass me. I wonder if Montgomery XXXX is a legitimate retainer, or a scam organization. Please let me know what I have to do to get these predators out of my life.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2022-06-10
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid when wages were garnished beach in 2019. I received a letter from the court stating it was paid in full. They have now come back twice trying to garnish again over the same debt. 
They are saying {$1500.00} are owed that was all paid already. I called many times and I have been put on hold. This is ruining my credit and my health. I need this to be settled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Recovery Partners, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a complaint from XXXX XXXX against Recovery Partners for Recovery Partners failure to provide requested information for the debt alleged. On XX/XX/XXXX, XXXX XXXX received a demand letter from creditor, Recovery Partners. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.

It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
EXPERIAN is reporting the incorrect address. I have attached documents stating the specific information I am disputing, the nature of the dispute as well as documents to verify who I am and my only address.

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 2022-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Recently opened a new credit card, and they went through double verification to process the account. A week later, they have an error code that was not consistent with the account closure. Stating that there were returned payments. No payment was made. And the due date is not until XX/XX/XXXX. 
Furthermore, they then " said my documents were not valid '', when indeed they're. 
Moreover, my privacy was violated, and a major banking error occured -- which has violated my rights as a consumer and protected class. I feel very much victimized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the Fair Credit Reporting Act : XXXX account number XXXX has violated my rights, XXXX account number XXXX has violated my rights, XXXX XXXX account number XXXX has violated my rights, XXXX XXXX  account number XXXX has violated my right, XXXX XXXX account number XXXX has violated my right, XXXX XXXX account number XXXX has violated my right, XXXX XXXX account number XXXX has violated my right, XXXX XXXX account number XXXX has violated my right, XXXX XXXX  account number XXXX has violated my right, XXXX XXXX account number XXXX has violated my right, XXXX XXXX account number XXXX has violated my right, XXXX XXXX  account number XXXX has violated my right, 15 U.S.C. Sec. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. Sec. 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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