BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-25
Company: Navient Solutions, LLC.
State: OH
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:
I have an IBR plan. My first payment was due XXXX XXXX or XXXX. 
I set my online banking to mail the payment so it got there by the deadline. I got an email on XXXX XXXX or so saying that my payment was late. I called and spoke to someone who told me she had located my payment and applied it to my account. Today, I got another call from Navient saying that my account is 20 days past due. They are saying that I have to get proof that the payment was sent from my bank because they ca n't find it, even though the woman I spoke to earlier this month TOLD ME SHE FOUND IT AND APPLIED IT TO MY ACCOUNT. Even if she had n't, they should have processed it by now anyway. Since this is my very first payment, I am very worried that Navient ca n't correctly process my online banking payments and that I am going to have to deal with this problem every month. I also do n't want to have to go through this rigmarole of phone calls and sending proof of payment every month just because they ca n't keep track of payments. They also offered to give me a forbearance until this is resolved, but that is really dishonest of them since I only am allowed a certain amount of forbearance during the life of my loan. I should n't have to use it to let them fix their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sold my house on XX/XX/2014 and paid the money at closing to Bank of America. They went and reported me late to all XXXX credit bureaus thus causing an issue with buying a new home. It still shows up on my new credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-02-02
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
This company was unwilling to work with me when I was unemployed and They finally put me on an interest only payment plan when I asked to get my payment lowers. THey left. XXXX this plan for years and never offered me something better until recently. I filed letters with the bbb and contacted then numerous times. Everytime I got a different story and no one could give me correct information. Because of their lack of support my private loans have tripled the amount of what I borrowed. They told me at one point I could consolidate my loans to later be told I would have to consolidate them with another company as they no longer consolidate private loans. My interest rate on my private loans is 10 % on each theee loans. When I asked them for information on who I could consolidate with they kept giving me information for federal loans not private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed into my Bank of America Business account today and noticed that I have had fees for the past 3 months of $ XXXX/month for XXXX business checking account and $ XXXX/month for the other. On XXXX XXXX, 2016, I had downgraded both of these accounts to a Business Fundamentals account which required minimum $ XXXX daily balance or $ XXXX average monthly balance, which has been met with over $ XXXX average monthly balance since then. The agent had informed me that I only needed to meet the requirement of average monthly balance in XXXX account because the accounts are linked. However, it looks like that starting in XX/XX/XXXX, the fees started to be assessed again. The total sum of the fees is {$45.00} for XXXX account ( {$15.00} x XXXX ) and {$36.00} for the other account ( {$12.00} x 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 monetary relief
Consumer complaint received 2015-08-27
Company: Navient Solutions, LLC.
State: CA
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:
Navient took XXXX payments from my bank account without my authorization. Since then, they have continued to try to charge me XXXX my monthly payment and threaten me by saying they will raise my interest rate. In conclusion, they are bullying me into paying too much on my monthly payments as well as causing overdraft fees at my bank without my authorization and threatening me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: CL Holdings LLC
State: MS
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:
This company keeps on coming after me regarding a XXXX XXXX account which I have never owed XXXX. I did call XXXX XXXX and it was a sewing machine ordered and deliver to an address I never lived at. I am XXXX XXXX XXXX male and do n't even know how to sew. This is not mine I never had an account with either of these companies. I disputed received a letter XXXX/XXXX/2016 stating they are going to remove and then another letter XXXX/XXXX/2016 stating they are collecting. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
At the time repayment of my loan was expected I was encouraged to do deferment and while waiting on the forms I should place my loan in forbearance. Forms for the deferment never came. I called XXXX times and was given the run around. I also asked about my repayment options and did not receive adquet assistance. I was told I did not qualify for repayment arrangements ( IBR ) but my income is below the poverty level.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have attached the complaint which makes it easier to read. Bottom line, GR Mortgage contracted to deliver a 30 year 3.375 % interests rate mortgage and then did not deliver yet we delivered. This company is a con artist of the largest proportions and has cost of hundreds of thousands of dollars due to the illegal conduct. We need you help in finding a resolution immediately since they did not feel at all obligated to us yet the consumer delivered and GR Mortgage did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: PA
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:
My student loan is with Navient, although I pay monthly at an 8.25 % interest rate, the principal never comes down, I 've been out of college since 1999, have been steered to go into forbearance at one time and still owe the same amount as 18 years ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My wife and I bought a new vehicle from a local dealer. The financing was placed through Bank of America. After receiving the first billing, I attempted to pay online. This did not work. It was a trying circumstance to establish the online presence. I ended up calling in and making a payment over the phone. 
The second month payment became due and I was agin unable to get the website to recognize me. I ended up calling an XXXX number and got a wrong department and was transferred. That call then lasted 17 minutes and led to more frustration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filled BK in 2012 so everything was discharged including all tax liens. 
In all XXXX credit bureaus still shows that i owe tax liens and property lien. 

I have proves from the court, BK discharge certificate. Please assist. 
XXXX XXXX XXXX XXXXXXXXXXXX

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 2015-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have not had a XXXX phone since early 2007. I have tried to resolve my bill in the past but XXXX XXXX XXXX keeps reposting an old bill. I have no way to provide financial info from 8 years ago and they know that so they want me to prove it to them but I have no way to do that. Is there anyway to get XXXX to find out how old it is.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
trans union allowed XXXX aka XXXX XXXX to report a medical collection to me credit file this account was being paid by XXXX and can not legally be reported Tranunion has no right to allow a collection agency to report medical information this in against hippa laws and in violation for the Privacy ACT this account was report with a XXXX balance and needs to be removed.

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 2015-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
HARD INQUIRIES : I 've been through this before with these XXXX. This has to do with recent complaints against XXXX XXXX XXXX. In closing out my line of credit ( my choice ) and in lowering my line of credit limit without telling me just 1 business day before I CLOSED ALL XXXX XXXX ACCOUNTS, I have been through this multiple times with XXXX XXXX. Two years ago they HIT HARD INQUIRIES ON MY CREDIT REPORT 5X for just a small line of credit. I complained to the CEO. Off course that took me to the CEO 'S TEAM in Arizona WHO ALSO HIT MY CREDIT REPORT HARD INQUIRIES. I have NOT applied or requsted anything from XXXX XXXX. I am ONLY GUILTY OF VOILA! ... wanting to pay off my bill with them and close account due to their poor business practices. Since I have CLOSED MY ACCOUNT WITH THEM MISQUOTING MY FINAL BALANCE DUE, WHICH WAS WRONG, NOW THEY OWE ME MONEY, I AM TOLD XXXX XXXX HAS HIT MY CREDIT REPORT 2 HARD INQUIRIES. I applied for nothing. HAVE THEY HEARD OF SOFT INQUIRIES? Apparently not! I WANT THESE INQUIRIES REMOVED IMMEDIATELY FROM ALL CREDIT REPORTS. Credit reporting agencies DO NOT GIVE CNSUMERS THE RIGHT TO DISPUTE THESE. THIS WAS DONE FOR MEANNESS AND MORE ANGST. THEY HAVE SOMEONE HERE THAT DOES NOT SING THEM PRAISES, BUT WILL TAKE STEPS TO PUT THEM OUT OF BUSINESS AS FAST AS I CAN. 2 TIMES AND MY CREDIT REPORT GOES DOWN XXXX POINTS. TAKE THEM OFF XXXX XXXX. I WILL REPORT YOU TO THE BBB FOR IMPROPER BANKING PRACTICES,, THE FDIC FOR IMPROPER BANKING, AND I HAVE REPORTED YOU HERE. I WANT MY MONEY YOU HAVE BACK IMMEIATELY IN OVERNIGHT MAIL AS I WAS IN AND PAID CASH. THAT IS NOT GROUNDS FOR A HARD INQUIRY AND YOU DID NOT HAVE MY PERMISSION. In tthe past, I dealt with XXXX XXXX of XXXX XXXX Exec Branch in Arizona. They even hit all HARD INQUIRIES. I WANT ALL REMOVED AND I WANT THEM REMOVE NOW. I WILL THEN REPORT EACH INDIVIDUAL CREDIT BUREAU FOR PUTTING THEM ON. I never requested another thing from XXXX XXXX and want nothing but the money they overcharged me on XX/XX/XXXX to close my account and each day they keep it, I want interest that they charge me daily added to it. RETURN MY MONEY. REMOVE HARD INQUIRIES OFF MY CREDIT REPORT. YOU ARE NASTY NASTY PEOPLE. THE PEOPLE ARE ON TO YOU!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: Arcadia Holdings, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 'm victim of identity theft

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 2016-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This item is n't mine XXXX XXXX XXXX I would like this removed

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 2016-03-22
Company: Clarity Services
State: OK
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Clarity Services has been giving, trading or sharing information on my credit report without my written consent as required by the 1974 Privscy Act. I tried to file a dispute with Clarity, but the website had no place to file a complaint. So, i am here to do so. I recieved a copy of my XXXX credit report on XXXX XXXX. I noticed there were XXXX inquiries on my credit report by Clarity and called the phone # listed. I got a message to leave a voicemail and someone would return my call. I did so, but nobody has reached out to me yet. Today i got my Experian credit teport and again XXXX inquiries not authorized by me. Thete are XXXX, by another company, XXXX from another company. Some one has to stop this. In todays world it seems we need a better way of credit reporting. And i for one think that we need to start from top and totally revamp what appears to be an outdated and corrupt system. I am fighting tooth and nail to get things off my credit report that are wrong, or left on for 6 yrs after they were told to take them off. Something needs to be done and fast.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12
Company: ALLY FINANCIAL INC.
State: DE
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I made an interest only payment one month on car loan and for 4 months now they call me 8 to 10 times a day on my home phone and cell phone. Most are robo calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My husband and I sold our home in XXXX, XXXX XXXX. We paid our portion of the property taxes during closing to the new owners and they were to pay the taxes for the remaining portion of the year when the bill came out XX/XX/XXXX. They were late in making the payment. As a result, a predatory collection agency paid the taxes and put a lien on the property. They sent the new owners a bill for the taxes due and a hefty fee to remove the lien. She then paid the bill and the lien was removed a few months later. We were made aware of this when a credit report was pulled for my husband and I during our NC home purchase process. It seems that XXXX County does not immediately update the tax database when a home is sold to show the new owners. They wait until they issue the next tax bill. Our names stayed in the system from XXXX XXXX until XXXX XXXX when the next bill was sent out. When the new owners were late in making the payment, XXXX County sold the debt to this collection agency. It seems this is a controversial process they use to make it seem like they have a lower percentage of delinquent tax bills. There is big money involved. My home was nearly {$800000.00} and I do n't know if this collection agency does this for all price points, or just singles out higher priced homes. I filed a complaint with TransUnion and their solution was to show on my credit report and my husbands, that there was a lien and it was paid off. I explained everything, sent documentation and they think it is acceptable to simply say the matter is resolved because the lien was paid off. It never should have been on our credit reports to begin with. I will have to explain this every time I apply for large amounts of credit. As someone who pays bills on time and has a very good credit score, I want this removed from our credit reports. It was n't our lien.

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 2016-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On a few separate occasions I have disputed with all three credit bureaus XXXX, Transunion, and XXXX pertaining to a credit card with XXXX XXXX Bank acct # XXXX for the date of last activity, payment history, status, high credit and the dispute was returned verified. I have included the excerpts of my credit reports showing how these accounts are reporting.

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 2016-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TRANSUNION HAS VERIED INACCURATE AND INCOMPLETE INFORMATION MANY TIMES. 
XXXX DEFRAUDS ME.THE XXXX BALANCE VIOLATES THE XX/XX/XXXX CREDIT CARD ACT FOR DELINQUENT OR DEFAULTED ACCOUNTS. 
THEY HAVE NO BALANCE HISTORY FOR XX/XX/XXXX TO HIDE THIS FROM SIGHT. 
THEY DO NOT REPORT THE SCHEDULED PYMT OR MIN. PYMT PAID ON XXXX/XXXX/XXXX BECAUSE THE ACT used it as an index for fees and charges.With a balance history from XX/XX/XXXX to XX/XX/XXXX showing the increase in balance from less than XXXX to XXXX their crime would be discernable. 
INNACURATE BALANCE, CHARGEOFF AMOUNT, HIGH BAL.ORIG. CHARGEOFF, PAST DUE INCOMPLETE : NO SCHEDULED MIN. PYMT NO, ACTUAL MIN. PYMT, BALANCE HISTORY MISSING ALL OF XX/XX/XXXX, PAYMENT HISTORY MISSING XX/XX/XXXX YEAR, NO CHARGEOFF DATE, NO BALANCE ON XXXX/XXXX/XXXX AND ON GOING TILL C/O

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 2017-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion has re-inserted a collection from XXXX that was deleted months ago. XXXX Debt is now the handler of it This debt was deleted 2x last year already.

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 2016-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
File # XXXX I received this updated report. Still concerns : XXXX-I have previously requested this be removed as it is XXXX years old. REMOVE XXXX-I have requested this be moved- This account was never used by me and it is over XXXX years old. REMOVE XXXX-I have previously requested this be removed as it is old-over XXXX years old. REMOVE

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 2015-07-10
Company: Pacific Union Financial, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was transferred to a company with a horrible record of misappropriating escrow accounts and causing numerous other financial hardships. Do I have any recourse or say in this matter so that I may prevent the same issues from happening to me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
A satisfied judgment was filed XXXX and placed on my credit report. I would like this item removed from my credit report as the 7 year waiting period has expired. XXXX have dropped the item from my report. I would like Transunion to do the same.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: I.C. System, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXXXXXX XXXX  reported a debt by a company called XXXX for {$840.00} by XXXX XXXX. I disputed this debt. I talked to XXXX XXXX and they had no knowledge of me owing this money. I talked to XXXX and they wanted to charge me money to investigate this debt. I do not owe this amount and I am in good standing with XXXX XXXX and XXXX XXXX XXXX. I disputed this with XXXX  and they deleted it from my account. 

XX/XX/XXXX XXXX has again reported the same debt by a company called IC System for {$840.00} by XXXX XXXX XXXX. I disputed it again with XXXX telling them that they had already deleted this once from account but did not do so this time. 

This is not my debt and would like to have it permanently removed from my account.

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