BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-19
Company: Navient Solutions, LLC.
State: IL
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:
In XXXX I paid off a XXXX smart option loan in the amount of {$1100.00} to a closed school. The school has been closed since XXXX/XXXX/XXXX. XXXX XXXX I told Navient that I would be able to settle my second private loan that is {$5600.00} in the XX/XX/XXXX. Navient reneged and sent me to XXXX. I agreed to settle for {$2500.00} with XXXX. XXXX bank felt as though that the transaction to XXXX XXXX was fraud and froze my account until XXXX XXXX. XXXX XXXX asked if I can get a third party involved to make payment. My third partys bank is XXXX. When he was getting ready to make the transfer XXXX XXXX acted like they did not want to give him their routing number. In order to do a wire transfer here in the USA you need a routing number for the bank. Two weeks went by and XXXX XXXX contacted my third party again about payment. XXXX broke the law by contacting hmi without my consent. I spoke to XXXX XXXX manager XXXX XXXX and he said he would write a letter to settle the account for a {$0.00} balance.I waited two months contacting XXXX XXXX with no resolution they were ignoring my calls. I contacted NAvient in XXXX XXXX abou this issue. Their escalation deprtment admitted that have had problems with XXXX and I asked them why did they send me to them if they knew that. All year XXXX the escalation deprtment has done nothing to resolve this issue. I contacted the Consumer Advocate group this past fall. They keep saying that the School I still open and that they need a letter from the XXXX. I gave them a letter from the XXXX XXXX XXXX XXXX XXXX, email from XXXX office, XXXX email, and email from XXXX other federal student aid agents. would like a refund for the private loan I paid for to the closed school to be settlement for my second private loan with Navient. Navient refuses stating that the school is open. It is not. I keep uploading pictures, documents to no avail. Even though Ive been in contact with Navient they told me in XXXX that my loan was coming back to them so we can resolve the issue. That was a lie They sent my loa to another collection agency in XXXX with the amount owed of {$7000.00}. That is not right

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2021, I experienced an issue with my mortgage payment. As a result, I failed to make the month 's payment, but upon notification, I paid it immediately and kept the mortgage current. 

In XXXX of XXXX1, I we served a legal notice unrelated to this issue by my ex-wife. In the document, reference was made to my payment history, including the event mentioned above, as well as the exact payoff, etc. This contemporary information would only be available with access to my account. I realized then with Suntrust 's automated phone system, with my social security and property zip code, anyone could access my account for protected financial information. This access is available to my employer, creditors, educational institutions, and any other entity with access that data. 

In talking with Suntrust, they stated there is nothing they could do to resolve or prevent future access by any unauthorized person. I even offered a current post office zip code which is different, but they stated it had to be the same as the property location. The customer service representative told me not to worry that many people have this problem. After demanding to speak with a manager, he stated he would research it and contact me today. I have not heard from them and my personal information remains exposed.

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 2016-12-20
Company: Santander Consumer USA Holdings Inc.
State: NH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Bought a 2016 XXXX XXXX in XXXX of this year. Financed through Santander consumer. Made payments at our local Santander branch every month. Receipts to prove this. Tonight they repossessed my car saying no payments had ever been made. Offered to send them the receipts that I gave and was told I 'd have to take it up with the branch I made payments at to see if they could find the money. Refused to work With me at all, or even really listen. XXXX with a supervisor who said same thing. The repo order us out, nothing we can do. You should n't have made your payments that way. You can go to the branch tomorrow but we are taking the car tonight.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: VA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: GA
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 with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Eaton Group Attorneys LLC
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Call originated from an automated caller ( ie ; robocaller ) and identified itself as an attempt by Eaton Group to collect a debt. I and my wife have been retired now for several years and have never had and do not currently have unresolved financial problems that would explain why our phone number be on a debt collector 's list. Furthermore, a brief web search of Eaton Group indicted the web site was 1 ) not available ( error XXXX ) and 2 ) associated with complaints of unprofessional collection tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: NJ
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
ON XXXX XXXX, my car was totaled by another driver that hit me. Her insurance contacted ALLY FINANCIAL on XX/XX/XXXX to request a letter of guarantee. Ally claimed they needed more documentation. On XX/XX/XXXX the documents were faxed to them. We have a confirmation page. On XX/XX/XXXX we had to call Ally to check the status of the letter and they stated they did not receive the documents. The insurance agent faxed the documents again. This time Ally claiming they received the documents and it will be XXXX business days. XXXX contacted Ally again on the XX/XX/XXXX to check on the letter and the said they were going through system change and it would be another XXXX business days. Meanwhile my husband and I have contacted Ally to find out what is the hold up, due to we are having to still make our payments and do not have a vehicle. My last attempt was on today XX/XX/XXXX and the loss department informed me it will be XXXX business days. They have not gave me any answer to the letter and are telling me false timelines. They have treated me very unprofessional and this has put so much stress on my husband and I. At one conversation with the loss department ( XXXX ) customer service said we will not get our letter before XXXX. I feel like Ally has took advantage of us by continuing to add interest and late fees.

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 2022-05-13
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00}

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 2018-01-31
Company: AFNI INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFNI company sent me a collection notice trying to collect a debt of {$1600.00}. I do NOT have a contract with AFNI, and I am NOT liable for this collection for this debt from XXXX. I am requesting that AFNI cease and desist all collection attempts. I do not have any accounts with XXXX either. I am also a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Santander Consumer USA Holdings Inc.
State: MS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
XXXX of XXXX, XXXX sold me a car and after 6 weeks, the car had trouble. So, I took the car back, and XXXX gave me a loaner car. I explained to them that I could only afford a certain note amount. XXXX allowed me to keep the loaner car, but the car note doubled. Now Santander Consumer contacts me up to 7 times a day if I 'm late by a couple of weeks. Sometimes they even call me early in the morning waking me up and late at night.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is my second time contacting you regarding the same issue with Bank of America milking the corona virus situation to hold around {$3000.00} of my money. 

I purchased 5 airline tickets on XXXX XXXX from XXXX at the same instant for my wife and XXXX kids. The total price for all five tickets was around {$7000.00}. I bought the tickets with my Bank of America credit card back in XXXX. The flights were cancelled and XXXX refunded the tickets, but Bank of America have not refunded all tickets : they refunded 3 tickets on XX/XX/XXXX, and Im still waiting for 2 more refunds. I called them many times, and they are using the COVID-19 excuse. I checked with XXXX XXXX and they confirmed that they refunded all tickets. So the hold up is from Bank of America who are deliberately delaying my 2 other refunds. 

After the first complaint, they emailed me to say that they are working on it. That's it. I still don't have my refunds. The person who emailed me ( listed below ) does not answer her phone, does not email back. I left 3 voice mails and emailed her twice since I got her useless generic response on XXXX. 

XXXX XXXX Resolution Specialist Regulatory Complaints Department XXXX extension XXXX XXXX- XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX reported an account of mine as a charge off. I have proof from XXXX sub company ; under the same company as XXXX, XXXX stating that the account was settled in full. I have disputed this account numerous time to change the wording from charge off to paid in full however they wont change it. I am an XXXX XXXX Soldier  that has been refused a security clearance due to the wording on this account. This is affecting my livelihood and my career.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
BOA is requiring approximately 3 times the amounts due for escrow. Please provide a copy of any relevant regulation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Focus Holding Company
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Focus Management is attempting to collect a debt for XXXX that I do not owe. XXXX never provided the service. I have a gated yard and XXXX did not have access to provide the service they are attempting to charge for. I verified this three times with calls to XXXX. When I received a notice requesting validation from Focus Management I informed them the account was not valid and that XXXX agreed and instructed them I was in dispute and NOT TO REPORT THIS as they had not validated the debt they still reported the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My checking and savings account were levied a total of {$840.00} from my bank account. I was told by Wells Fargo that if I handled the problem the XXXX ( XXXX ) had with me, and the XXXX faxed Wells Fargo a release-of-levied-funds letter by XX/XX/2017, they would return said funds to my accounts. I handled my problems with the XXXX and they, in turn, sent Wells Fargo a fax to release my levied funds ; a fax for which the XXXX received a return confirmation fax from Wells Fargo, at XXXX on XX/XX/2017 with a " Withdrawal of Withholding Order # XXXX '', confirming they received that fax from the XXXX. 
On XX/XX/XXXX Wells Fargo disregarded the release-of-levied-funds fax from the XXXX and sent those levied funds to them anyway. When questioned, the Wells Fargo legal department said they did n't receive the release-of-levied-funds fax from the XXXX until XX/XX/2017, which was past the XX/XX/2017 cut-off date. Wells Fargo told me those funds are gone and there 's nothing I can do to get them back. 
The XXXX faxed me the confirmation fax they received from Wells Fargo at XXXX on XX/XX/2017 ( included ) that proves when Wells Fargo received that release-of-levied-funds fax. The Wells Fargo legal department has lied to me and I have the proof! 
I keep being charged for overdraft protection for automatic payments that were in place, because Wells Fargo did n't return my money as they said they would! I have no money! I ca n't even feed my mother, for whom I take care of, and I 'm running out of gas in my car and I do n't know when I 'll get paid next. I have borrowed all I can from friends. I have all documentation from the XXXX ( including a voice message sent on XX/XX/2017 saying they faxed the release-of-levied-funds letter ) showing that a mistake was made on Wells Fargo 's part and nobody else 's.

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 2015-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was unaware for two days that my bank of America business checking was XXXX dollars in the negative. I rely on my phone for bank alerts, but was having technical difficulties with email updating. In the course of 2 days, XXXX XXXX and XXXX I had XXXX - {$35.00} fees from BOA that equated to {$310.00}. Mind you that my account was only {$110.00} negative. I promptly went to see a representative at XXXX sharp. Was extremely professional and said to him " I have a bunch of overdraft fees in just two days, and I 'm sure you 'll be able to waive them for me since I am a long time customer. '' Well ... I could n't have been more wrong, very, snootily and with much disdain he and confirmed by his manager, clearly stated that these were my errors and not the banks and under no circumstances will they waive the fees. I continued to be courteous and professional and pleaded with him to re-consider. He refused. I then said " Well if that 's what BOA considers Great! customer service, I no longer want to bank here, and lets please start the proceedings to close my business checking and savings account. I then in a last ditch effort, asked him squarely, " You would rather take my money in fees ( {$310.00} ) and lose my business, than help me on this matter, to continue having a loyal bank customer. His reply was " Its out of my hands the people upstairs call the shots, and I 'm sorry there is nothing I can do. " Then to make matters worse, I had deposited the amount I was over drawn, but did not have the money to pay the late fees remaining, {$280.00}. The manager then with no emotion whatsoever forewarned me that if the remaining fees were not paid XXXX things are going to happen that BOA will implement to take action against me. 1. In two days the balance will go to collection, 2. we send an alert out to all banks in our system, and you will NOT be able to open an account ANYWHERE!!! 
I own a small business, I need a business account, I had to borrow the {$280.00} to be able to open an account somewhere else. So in less than 20 minutes I went from a faithful BOA customer to we could care less about you and your problems. I left there feeling so helpless, and absolutely bullied by this way too big bank, BOA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: IL
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 loans with Navient/XXXX and I have been affected by their illegal and unethical business practices. I have had payments incorrectly allocated to my loans, been put on forbearance without requesting it, was not allowed to apply for an income-based repayment plan or any other plan to help lower my monthly payments, and I was sent multiple generic emails that ended up being very important documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have 7.25 % rate mortgage with HFC ( household Finance Beneficial ) They are and have been uncooperative in all aspects of business. They claim to have no fax, or email ... absurdly. 
When trying to refi, they strung us out as long as possible we waited a month for a confusing mortgage statement, consisting of XXXX pages ... ( via USPS ) the rates rose, and that hurt us, and also the new lenders could n't make sense of what was sent. " never saw anything like that before ''. It took weeks just to affirm our request, as the agents for HFC somehow did not understand what we wanted. about a dozen calls later, finally we are 'in-line ' for it. 
We currently are under a modification of 2 % less interest than normally, no help here either. 
Intentional Lies and confusion of facts and numbers ... long term as well

Company response to consumer: Closed with explanation