BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Last XX/XX/2017 I went to Bank of America in XXXX California around XXXX to in cash my check. The teller put my cash ( {$600.00} ) money in an envelope. As she handed to me my cash she asked what else can she do, so I asked her to check my balance. Out of my mind I forgot my cash ( envelope ) in the counter. I went to my safety box and when I 'm about to look for my cash in my bag nothing. So I went out to the teller and asked her if she saw any envelope no help. I went to the manager if she can help me, to view the cameras. But still no help. She even told me if I 'm accusing the teller, I just want her to help me. She told me to file a police report to view the camera. So I went to the police and ask me what happen. He told me You are still in their premises. Still their responsibility. But if you want file on line. So I went back to the bank and told the manager that I 'm still in your premises but no luck or help. I still filed a police report. I 'm just concern being a customer and are safety inside their premises. The way the manager attitude toward me is no help at all.

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 2015-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is a legal item listed on my credit report that I paid and is listed as paid but I can not seem to get anyone to help me take care of it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Rewards

Complaint:
This how my ordeal with Bank of America Started : Bank of America issued me a credit card that comes with a XXXX % cash back reward on all purchases. I accepted the offer because of the terms and conditions on the card. The card has 0 % apr for purchases and balance transfer still 2017. I felt the card would come handy for the project I need it for. 
After having shopped with the card I saw the imaginary reward appear on my banking app issued by bank of america. 

But the irony to this shady and unethical practice is, when I clicked to apply the rewards to my account, a note popped up stating " this offer can not be redeemed, call customer service for assistance. 
I called customer service as noted and I was told by the service associate that my account has been closed that 's why I can not redeem the offer. 

Wait a minute. I said okay and I told the service representative since my account is closed, apply my rewards to card and still have the card remained closed. Mind you, the never notified me that my account has been closed despite making timely payments on my account. 

In order to be on the safe side, I closed my checking account with them because the derserve a penny from me after many years of rip off. 

I told them plainly, " no rewards no more payment '' not until this dispute is resolved. The next time will be to file class action suit against the financial institution for operating and running a ponzi scheme. 

And I believe some hard working american are falling prey to this financial predators. I will not stop until justice is done.

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 2017-02-22
Company: OLIPHANT FINANCIAL, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
When we divorced in XXXX, my ex-husband agreed to be responsible for his business debt. In XXXX, XXXX XXXX XXXX XXXX tried to pressure me to pay it, I replied right away and then they filed a suit against me in court without proper notification. They wrote me late XXXX XXXX, I called right away and then wrote in the first half of XXXX XXXX and the next thing I knew was that they had filed in court, no notice. It was very upsetting. 

I just read how Atty General XXXX successfully sued companies in XXXX back in XXXX for not providing due process and directly filing suit. Not only is my ex-husband over $ 72K in child support arrearage for our XXXX children, I have been making monthly payments to Stephen Einstein so they wo n't hurt my career. This Civil suit judgment is adversely impacting my career as a Registered Representative - I 'm the only one providing for my kids. I spent over {$2800.00} for a lawyer trying to avoid this hurting my career. I do n't want my ex-husband 's debt on my XXXX XXXX file - I need this cleared up. XXXX also got the judgments vacated, the payments made returned for XXXX since they were n't properly served. Can you help do the same for a working XXXX resident like me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Payments are extremely high. Have n't been able to pay. I applied for IBR in XX/XX/XXXX. Did n't know I needed to annualy renew. Whenever I spoke to a representative they just suggest I do a forbearance. I didnt find out until XX/XX/XXXX that I was suppose to renew the IBR in XX/XX/XXXX. Now my loan is double the amount of what the orginal loan was for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
MY 2ND MORTGAGE WITH Bank of America was forgive, but they fail to remove the CHARGEOFF FROM MY XXXX CREDIT BUREAUS. 
This is wrong and has severely damage my ability to rent an apartment. 
Because of this I am HOMELESS.

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 2016-01-02
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian is reporting that I have an open and unpaid judgment in XXXX County, NY court. I have previously disputed with the bureau because the judgment was vacated due to improper Process Service. They have refused to remove the public record. The judgment has been vacated and therefore should be removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-20
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello and THANK YOU for being a viable avenue complaints to financial institutions, I hope you can bring my particular issue to a person that can rectify it. 38 months. 38 months is how long I 've been trying to rebuild my home after a fire. Last month I have been issued an occupancy permit, so I 've moved back in with what little furniture I have left. My issue is with Ditech ( formerly Greentree ) Mortgage and the fact that they are currently holding on to about {$7000.00} in funds waiting for me to complete the home before they release them. {$2100.00} was the last check sent issued XXXX XXXX, and have been assured by my account manager XXXX, that this money will be sent for the XXXX for the portion of the project which he has completed. The only thing required is that the insurance company send something stating what the funds are for. I have no problem with this other than it took XXXX phone calls, several emails and calls left with XXXX direct report before I even got a response, then about 12 days after that, I get a call saying she needed the email from the insurance company. I 'm relaying this because this is a perfect example of what I 've been dealing with for ... ... .38 MONTHS. 
Now, after the {$2100.00} due to be released shortly there are XXXX aspects of the project that Ditech is holding on to ( for 4 months now ). I have sent in check from the insurance company for approximately {$5000.00} to finish the basement and to put on a rear deck to the home. I 'd need them to release this money. I 've made my mortgage payment for 38 MONTHS, put in excess of XXXX of my own money and easily XXXX hours of my own time into this project. This has run at a snails pace most of it due to the fact that I have to complete projects with my money and then submit for a reimbursement. I am working 60 plus hours in my regular job ( XXXX ) then trying to finish the last bit of this home and it ridiculously frustrating when I think about the money just sitting there waiting to be used, yet not released because they do n't trust me to use it for it 's proper intent. The tax assessment office has been by twice to reassess the property, yet can not due to the fact that I 'm going week to week finishing what I can with the funds I can direct to this project. Release the rest of these funds so I can complete this project. 
I 'm not interested in what your " procedure '' calls for. I fully understand the reasons behind it with rampant insurance fraud but this is not me. I 'm not leaving my XXXX home to run off with XXXX ... ..K? Please call or email me with notice on when this can be accomplished. Again, THANK YOU CFPB for this avenue and I 'll enter specifics later in this complaint. 

Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am a XXXX. I understand that I may be eligible to have some or all of my student loan balance forgiven based on my payment history and years of service. I have repeatedly requested my payment history from Navient but have not received a clear breakdown. I know I made multiple payments then put the loans into forbearance when my spouse left and I was supporting my XXXX children. I believe if I am not at the ten year payment requirement I am close.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
XX/XX/XXXX or XX/XX/2015, I referred my mother XXXX XXXX to apply for a personal loan at OneMain Financial in XXXX XXXX, MD. There telephone number is XXXX.My mom 's loan was approved. Also, I have been a customer with this company for approximately 3 years and have referred others to the company. My mother called to inform me that I can be rewarded for referring people and I would receive {$100.00}. When my mother informed me of this, in XX/XX/XXXX or XX/XX/XXXX, I contacted the company and spoke to XXXX XXXX. I asked XXXX XXXX if I could be reward for my mother 's referral. XXXX XXXX stated that normally it has to be done at the time the customer completes the receives the funds. However, XXXX XXXX said that she would contact her manager to see if they could give me the offer. XXXX XXXX called by back to say that she was going to do it this time but in the future I would have to give my clients a number ( she provided me a number ) so that I could receive the {$100.00} for referring them. On XX/XX/XXXX, I contacted XXXX XXXX asking the status of my {$100.00}. XXXX XXXX told that that since it was too late she could not do it. HOWEVER, IN XX/XX/XXXX SHE TOLD ME THAT SHE DID IT AND IT WILL TAKE 6 TO 8 WEEKS TO RECEIVE THE CHECK. THIS IS FALSE LIES TO A CUSTOMER AND POOR CUSTOMER SERVICE. WHY XXXX XXXX NEVER CALLED ME BACK TO SAY THAT THE DECISON HAD CHANGED. YOU MEAN TO TELL ME THAT {$100.00} WILL HURT THIS COMPANY MUCH AS I HAVE BEEN AN CUSTOMER AND MY FAMILY. I FEEL THAT ONEMAIN SHOULD AWARD ME THE {$100.00} SINCE XXXX XXXX STATED THAT SHE PROCESSED THE ACTION. IT IS UNPROFESSIONAL TO RUN A BUSINESS TELLING CUSTOMER FALSE INFORMATION. IT IS NOT GOOD CUSTOMER SERVICE FOR ME NOT RECEIVING A FOLLOW-UP CALL TO INFORM ME THAT THE ACTION WAS REVERSED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion has been advised via registered mail, phone, fax since XX/XX/XXXX, etc. that multiple hard inquiries were made using my information in the XXXX area via ID Theft. A few of the many hard inquiries which were made resulted in fraudulent accounts opened in my name. I have worked since XX/XX/XXXX to try to Restore my previously very good credit score, without success. I was unable to get a loan to refinance my debt and I have had to spend many XXXX of dollars in interest in addition to probably XXXX + hours of my time spent calling, writing, etc. etc. Now I see a new fraudulent hard inquiry was made by a company called XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. I received an email stating I had applied for credit on-line on XX/XX/XXXX. I did NOT apply for a loan from this company. When I called the XXXX #, it was full of inducements to buy services from TRANSUNION!!!! 
TRANSUNION has failed to remove the fraudulent accounts and fraudulent hard inquiries that I reported between XX/XX/XXXX and XX/XX/XXXX. I am worn out and seem to take XXXX steps forward and then XXXX back. Please investigate. Help!!! Thank you!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Amsher Collection Services, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving calls and voice messages on my XXXX cell phone, once per week for the last 7 weeks from XXXX debt collection agency. I have recorded the dates of the calls and saved several of the voice messages. I do not owe any debt. I have sent a text message instructing the company to stop. I have registered my cell phone number with the do-not-call registry to no avail. I have not called XXXX because I do not want to be subjected to a scam to collect personal information or money from me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are inquiries on my report that do not belong there.

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 2017-01-24
Company: Navient Solutions, LLC.
State: TX
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:
In XXXX I began taking classes at XXXX. In XXXX XXXX informed me that the course I was taking was being canceled and the teachers were being let go. They then hired replacement teachers who did not know the subject matter to finish the year out. Subsequently I would never work in my field, as I did not have the education I needed and was paying for. 
My student loans of about {$15000.00} have been in Forbearance since I completed my courses. 
During this time, we had to file XXXX Bankruptcy 's, which we have been recovering from since. 
Beginning of XXXX Navient told me that I had only one more Forbearance left. That time has expired and no more Forbearance 's are allowed. I must start making payments. That in itself is fine, but now my loan amount is over {$32000.00} and they have set my payments at $ XXXX. They said that 's a 15 year plan to pay it off. If I followed their plan, I would pay over {$50000.00} for a {$15000.00} loan! I offered to pay the original loan amount of {$15000.00} plus some reasonable late fees. They flat out rejected my offer. 
I want them to take my offer to pay off the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am in the process of obtaining a mortgage. I applied with a mortgage company that after looking at my credit report indicated that they not process my application because I have XXXX accounts with disputes, and that they would not process the loan unless I remove the dispute. XXXX of the disputes is with collection accounts with XXXX. 
I had disputed the account because XXXX was never able to validate the account and they are claiming an amount for medical services received in NJ in 2012. I have not received medical services in NJ. Last time I received services was due to hospitalization in 2012. 

Reluctant to do and following the instructions of the mortgage company I requested ( see attached a removal of the dispute ). Transunion incorrectly classified the account as a new account placed for collection. My credit score declined overnight from XXXX to XXXX due to the wrong coding of the account. 
Although, I know I do n't owe the money I called XXXX to try to settle the account because I will not be able to obtain a loan with the decline in the credit score caused by Transunion. When I called XXXX today they indicated that they do n't have that account anymore and refused to provide me with an explanation of what happened. Nevertheless Transunion continues to report the account and now to make matters worse they reported this as new account placed for collection. 
In addition to that Transunion does not let me do a new dispute online to provide them with the information I am including here. 
I am requesting that Transunion take immediate action to remove the account completely from my credit report and bring back the score to the level it should be without that 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
Consumer complaint received 2015-10-28
Company: Premier Portfolio Group
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i keep getting calls from premier portfolio group about a bogus debt i want these scammer to quit calling me now

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
They make it hard for you to get into the loan forgiveness program. I also think that they are overcharging my student loan, and that they increase my late payment to get into the forbearance program.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Bank of America is declining legitimate charges because of fraud. I have tried to get them to stop claiming everything is fraud when it is not, but they refuse to assist me. I called it today and they wo n't help me ( after getting routed around repeatedly ). I have no problem with being protected against fraud, but this is not protection. Legitimate charges are being declined and it creates a significant headache and a lot of effort for me to fix, not to mention a lot of wasted time.

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 2015-11-24
Company: TENET HEALTHCARE CORPORATION
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Central Finance Control had placed this negative items on my credit reports without notifying me. I filed an dispute with Central Finance Control on XXXX and they never responded to my dispute. Central Finance Control violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. I had requested this items deleted off the CRA within 15 days from the date of the dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing a complaint because Transunion has ignored my request to provide me with the documents that their company have on file that were used to dispute the account I disputed. being that this is gone pass the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( a ) of the FCRA, they are required to promptly delete all information that can not be verified, that I have disputed. Please resolve this manner as soon as possible 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 non-monetary relief
Consumer complaint received 2016-10-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed several times items that do not belong to me, items that are past the 7 year statute and many names listed many names which do not belong to me. I need some help

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 2016-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX accounts that did not belong to me was deleted and now its back on my credit report. It 's seems like another company bought the files.

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