BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-10
Company: DM Motors
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I already had initiated a complaint against DM motors because of an illegal repossession that cost me my job daycare issues and humiliation because they acted as if I was seriously behind yet the payment was n't even due. Then repossessed it and was very rude toward me. I initiated that complaint in XX/XX/XXXX, and it was brought to their attention in XX/XX/XXXX. They proposed a settlement offer but my reasonable outcomes I suggested initially were many months ago and based on a prompt solution not months later. Their offer of {$500.00} plus demanding me to remove any complaints I filed I declined. It cost me well over that by losing my job having people know I was repossessed even though it was n't even supposed to happen plus a day fdaycare I had to pay even though my child did n't go, I do not feel removing any complaints is even a fair suggestion because people need to know this happened and how the business is run. I 'm not the only one who has had trouble. To day I have many mechanical issues with the van as well. I have called and called, emailed, XXXX every way possible but not a single person responds or returns a call. Even for account. Nobody even acknowledges me. Not a proper way to handle a customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: AL
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:
I have had the same student loans in my name since XXXX XXXX. My ex husband was ordered to pay them in the court of XXXX County Alabama. He of course did not follow through. I have been put on forebearance and on income driven repayment plans as well as in default before, where they took every cent of mine and my husband 's federal income tax refund ( which was over $ XXXX ). in review, I have noticed that I have several old accounts on my credit that reported as of XXXX, that were. NOT servicing my loans and that has hurt my credit. Navient has had my loans for a while. I paid {$50.00} a mo for 6 mos and I was supposed to be " forgiven '' by one of the " servicers '' and once those payments ended, they stopped taking the money and ended up going into default and then being sold off to other servicers. This is bait and switch. I make $ XXXX a year and can not pay anything back, especially since these student loans are over 20 years old. Currently, I am on an income driven plan with Navient and XXXX. I do.not understand why I have so many different servicers. I have asked in the past to have them all consolidated, they say ok and never do it. So I get one caught up with whatever they can give me and then the other is not. This is so confusing and never ending. I also want to know where that $ XXXX went bc I should be $ XXXX less than I was. It is n't showing that. I am very frustrated and tired of having to worry about it bc they hit my credit..Also, I applied for IDR from Navient, sent in all my Info and they said they could n't read it and I had to resend. Sadly, they did some system update and it kicked out EVERYONE who was trying to get any sort of repayment plan approved so they put me into " forebearance '' until XXXX to get things " fixed ''. This sounds a lot like the whole mortgage industry XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Bronstein & Weiss Arbitration
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Received numerous phones call regarding a possible debt that someone else possibly did. I have had my identity stolen and filed all proper paperwork with the FTC, the Police department, Social Security administration and the FBI. They have called my parents home, my unlisted cell phone and made a number of threats. I have called and explained to them that this is not my debt and my attorney will be contacting them.

Company response to consumer: Untimely response
Consumer complaint received 2016-10-30
Company: FIRST MORTGAGE CORPORATION
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
We refinanced with First Mortgage Online through First Mortgage Corporation. We never had the FHA policy regarding if we sold and did not buy within a stated amount of time that our FHA Mortgage premium would not be returned to us. We just received a {$20.00} check from First Mortgage Corp marked " PIF '' on the check and telling us to cash it quickly as they are closing down their bank accounts. I would have no issues with the cashing the check if it had the other {$5500.00} attached to it! Once again, we did not received disclosure that the FHA changed their policy on this practice and who oversees the companies to make sure that they are following the laws ... as established by FHA?

Company response to consumer: Untimely response
Consumer complaint received 2017-04-08
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Issue: Other fee

Complaint:
I obtained a Barclaycard, MasterCard Gold Card, with the agreement under SCRA benefits that the annual {$990.00} fee would be waived while I remained on XXXX military service. Recently I received notice in the mail that Barclaycard is now revoking their promise to honor this agreement and will be applying the annual fee at the one year mark in XX/XX/2017 ( my ownership of the 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 2022-02-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello, I am trying to get the bureaus to remove these incorrect inquiries. I am trying to purchase some property these incorrect items on my report are halting the process heavily. I am at a loss at to what to do now and have not heard back from the three credit bureaus since I first did a report. It has been over 30 days and I would like these items 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 2015-08-27
Company: U.S. BANCORP
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Several months ago I opened an account at the US Bank XXXX XXXX XXXX, AZ on XXXX XXXX. I was told that I would have a maintenance fee free account if I had a direct deposit. I knew that I was getting my SSI check in several months, so opened the account. There is a variety of banks in the area, chose this one for location convenience but would not have opened the account if I had been told that the direct deposit had to be over XXXX dollars. I started getting my SSI checks, asked the bank to correct the charge and then was informed that it was n't going to happen. I feel that the representative lied to me knowing that I would not have opened the account if I knew that there would be a fee and that once the SSI check was direct deposited, it would be too complicated to make changes to another bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I have been trying to work with the bureaus and they have not responded to my letters. I am trying to provide for my family and make a better life for myself and they will not and have not removed these inaccurate items from my report. I need to hear something back from them so I can finish this process. It is causing immense hardship.

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 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I have been trying to work with the bureaus and they have not responded to my letters. I am trying to provide for my family and make a better life for myself and they will not and have not removed these inaccurate items from my report. I need to hear something back from them so I can finish this process. It is causing immense hardship.

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 2015-10-20
Company: Credit Bureau of Lancaster County, Inc.
State: DE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Please note my complaint is against XXXX XXXX XXXX XXXX who does the billing for the Physicians at the hospital ans also against Lancaster Collections .I found out about this debt when I applied for credit and was denied due to this derogatory information being reported on my XXXX. Through further investigation, I found out that " XXXX XXXX XXXX XXXX. had placed my account with a XXXX party collection agency, Lancaster Collections. I never received notice of any such bill and had they sent the correspondence to me and or contacted me by telephone then I would have made an arrangement to resolve the debt. This is the XXXX time this year that this same exact scenario has played out.Where both companies FAILED to make an attempt to contact me via phone or email and just placed an account in collection.Therefore, I was NEVER afforded the opportunity to resolve the debt in a timely manner prior to it going to collections and effecting my credit in a negative way. The hospital has my current information and sends me a monthly billing statement every year. The first time it was in regards to account # XXXX and after speaking to XXXX from XXXX XXXX at XXXX ext XXXX she promptly resolved it by recalling the account from collections and having all derogatory information deleted form all national credit bureau agencies. Therefore, I should not be going through this a XXXX time around for a different account as they have my current address and telephone number. However, once again they placed me into collections and failed to contact me via mail or telephone in regards to my daughters account # XXXX and on XXXX/XXXX/15 I contacted XXXX XXXX at XXXX and spoke with XXXX at XXXX XXXX who ASSURED me that he would recall the account from Lancaster Collections as well as have any derogatory information deleted form the national credit bureaus. Unfortunately, he FAILED to follow through on any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
HI, my land lord was doing a credit report check when he found out that i dont have a credit history, But i have been using my credit card for the last 11 months.and i have been getting free XXXX credit score for the past 6 months .So how long before Trans unioun reports my credit score in the system. 
regards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: Bryant, Hodge & Associates LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XX/XX/XXXX I started receiving debt collection notices regarding cell phone bills in my name. After I looked into it I found out someone was using my personal information to get phone service in my name. I contacted the phone companies and they agreed I was not responsible for the debt. 
In XX/XX/XXXX I started getting calls from debt collection agencies trying to collect the debt I was not responsible for. I asked these debt collectors to send me a debt validation letter, they never did. I disconnected my home-line due to all the collection calls I was getting but they still call my cell number sometimes several times a day. The most aggressive debt collectors that contacted me are XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX XXXX, and XXXX. 
After more than 4 years of this abuse from debt collectors I want to file a complaint and hopefully put a stop to it.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX is reporting an account on all XXXX credit bureaus that is not mine. I have requested for years they provide/send me an original signature of mine on their contract to verify its my account, but they have been unable verify the account is mine, so by law they must remove the account immediately. They then proceeded to report to the IRS a charge-off notice for {$30000.00}, causing me even further damage, that is completely inaccurate. I have sent them years of letters, as well as to all XXXX credit bureaus requesting they delete the account. They refuse to provide any original contract to prove its my account, and refuse to remove it from the credit bureaus, which is illegal. They have seriously damaged my credit and now will cost me a lot of attorney fees to clean up their mess with the IRS. Please make them remove the bogus 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 2022-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a Capital One XXXX card in XXXX of last year that promised to pay me a bonus of {$200.00} if I charged and paid off {$500.00} in charges in the first 3 months. I applied on their site and was immediately approved for the XXXX card without any problems. 

I did make the charges for over {$500.00} in the first XXXX months and paid off the charges before any due date. They did not pay the bonus and when I called, they said they changed the card to something else that would not received the bonus. I did get the XXXX card that was shown on the promotion and they never told me about any change or reason that I would not receive it. 

They owe me the {$200.00} that was the reason I chose the cards. I am mailing a copy of the letter my grandfather helped draft in XXXX to try to get their compliance department to research and do the right thing. They have never even responded. 

This shows that they intentionally had a deceiving promotion, or just lying about paying a {$200.00} if you get their card and charge at least {$500.00} in the first 3 months. I would like you to make them pay me the money they promised by the add that led me to apply and be approved for their card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: LAW OFFICES OF MICHAEL K. SIPES
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Around XXXX XX/XX/2017 I hear a loud banging of the door of my residence. I peak out my window and do n't notice the XXXX car parked right outside. 
A man keeps banging out my door and now yells if I ( says my full name ) did n't answer that he threatened to call the Sheriff 's Department. *My brother is a witness to this entire incident. 
With fear of possibly being arrested I open my door where a XXXX man in plain clothes with XXXX hair possibly in his XXXX 's hands me what is now a Summons against me that states I am being sued. He does not give me his name or where he was from.

Company response to consumer: Closed
Consumer complaint received 2017-10-12
Company: SYNCHRONY FINANCIAL
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: Old information reappears or never goes away

Complaint:
I have been trying for over 30 days to get Synchrony Bank/Carecredit to stop reporting to the credit bureaus that this account is paid by a credit counseling program. I was on Consolidated Credit counseling for three months from XX/XX/XXXX to XX/XX/XXXX. They mailed me a letter and Synchrony Bank a letter showing I am no longer on the program. I have been paying this creditor on my own since XX/XX/XXXX. After disputes with XXXX and XXXX, Synchrony Bank refuse to remove the clause that I am on a credit counseling program and it is causing me to be denied for credit. I need your help is getting this resolve because it 's been over 30 days and I have not received an results

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 2017-02-06
Company: Colony Brands, Inc.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have written to this company called Swiss Colony and disputed the item on my credit report and requested them to provide documentation bearing my signature associate with the account. They did not do so. I also let them know that the account may be fraudulent as well. I have an fraud alert on my credit files because of this company. I have looked at my credit report dated today ( XX/XX/2017 ) and before that date I did n't see the statement disputed by consumer in the remark area on my credit files. Instead in the remark area : Profit and loss write off. This statement is in the remark area. This company has broken the law called FCRA because they failed to place the statement : " disputed by consumer, '' and I do want the company to delete the entry from my credit files. I have requested this company to provide proof of any documentations bearing my signature with this account. They failed to do so with that being said I want the entry to be deleted immediately.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06
Company: Navient Solutions, LLC.
State: OH
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 have been able to repay my student loans. I have been unable to work for the last two years. I am currently waiting for a " XXXX '' from the VA. I have used all forbearance 's and would like a repay as you work loan, but have never been offered one from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a loan modification from Bank of America loan on XXXX/XXXX/2010 currently owned XXXX. I never received XXXX HAMP Modification - Borrower Incentive XXXX as on the site XXXX XXXX ) '' If the borrower 's monthly payment ( principal, interest, taxes, and all related property insurance and homeowners ' or condo association fees, but excluding mortgage insurance ) is reduced by 6 % or more, the borrower will earn an annual " pay for performance '' principal balance reduction payment for up to five years equal to the lesser of the following : {$1000.00} XXXX {$83.00} per month ), orone-half of the reduction in the borrower 's annualized monthly payment for each month a timely payment is made. 
I would like the {$83.00} per month borrower incentive applied to the principal of my loan for 5 years then on the XXXX anniversary I would like the {$5000.00} applied to the principal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
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 both private and federal loans through Navient that are set up to automatically debit every month from my bank. I try to make extra, separate payments. I am unable to make a direct payment to one loan online ( trying to decrease the principle ). Only option is to mail in payment, with a note telling them how to apply the payment. It does n't matter if my note is clear and concise, they never apply the payment to the one loan requested. The money is spread over multiple loans, not only to the loan with the highest interest I am trying to pay down. They ignore that I say to not advance the automatic debit - if I do n't catch it, i could have a loan with potentially months of time passing without payments being made automatically. This happened with XXXX and navient.

Company response to consumer: Closed with explanation