BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
TransUnion 's initial web page does not provide a way to obtain a free credit report. Instead it provides a free credit score and a credit report for {$1.00}. You have to create an account with them in order to get either. Both are part of a 7 day trail. After 7 days you have to pay {$17.00} a month for their monitoring service. You can cancel within the 7 day trial period. This TransUnion web page came up on the www.freecreditreport.com site. I have no idea how to get my free credit report from this company. I do not feel I should be required to create an account with them in order to get my report. The other reporting companies do not require this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My husband graduated during the recession, had to defer for a few years because the job he got for his career could not afford the payments Navient/XXXX XXXX was saying he needed to pay. Went to grad school and graduated in XXXX 2015 and had to start making payment on the undergrad student loans, first payment being XXXX 2015. Filled out paperwork that rep said we qualified for a program to lessen the amount we had to pay monthly from {$1200.00} to {$850.00}. Called to set it all up and they said the new amount would be {$900.00}. This is half of his annual salary and is no way we can afford that. They have not been returning phone calls or willing ot work with us and have a lesser monthly payment. We want to make these payments but they are causing a lot of financial hardship because they are not being flexible. We need help with the monthly payments and they wo n't ever help us or give us a rep that who knows what they are talking about and being very unforgiving even though we want to make payments that are affordable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
XXXX XXXX has spun off my student loans to their new company Navient. I have historically worked with the office of the umbudsman to be a participant in their rate reduction program. When Navient took over my loans they canceled my rate reduction program and now my interest rates are at obsurd levels that I can not sustain the payments. I 've tried to work with Navient and XXXX XXXX directly but they always say they do not have a rate reduction program. Last year to get my rate reduction renewed I had to enlist the CFPB, Social Media and a reporting team at XXXX. I 'd like for Navient to re-institute my rate reductions and make the reductions permanent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received the check in the mail for secret shopping opportunity to evaluate the customer service at a MoneyGram location. After I completed the job a couple days later my bank said it was fraud. And they froze my account and would n't let me access my funds in order to pay my rent. I could be kick out soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was the victim of identity theft and started the path to both block the fraudulent information and correct it by alerting the Credit reporting agencies, Transunion being one of these agencies. 
I followed the Credit reporting agencies requirements ( Police report, affidavit, outline of data the result of identity theft, Identification ) to make this happen and the TransUnion Credit reporting agency has not followed the law. As a result, I am still suffering the effects of documented and filed identity theft against me that is being furthered by Transunion not adhering to the protections afforded me in this situation. I 've done everything they 've asked and provided all the documentation and they still have not blocked the fraudulent information from my credit file. 

Below is part of the copy of the letter I sent to them outlining my rights and their obligations under the law. In spite of all the documentation they requested that I sent, they had not and still have not blocked this information. 
Blocking Bad Credit Information from Credit Reports The law ( RCW 19.182.160 ) also provides a civil remedy for consumers. Under the law, a victim of identity theft can block any adverse credit reports resulting from the crime by filing the police report of the crime with the credit-reporting agency and supplying the agency with other proof of identification similar to those above. Provisions are made for denial and removal of the block in cases of fraud or error. The effect is that the victim 's credit record is restored to reflect only the victim 's true credit history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: Norwich Commercial Group, Inc.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had the same mortgage payment since purchasing my home in XX/XX/XXXX. In XX/XX/XXXX I received a mortgage payment statement increasing my payment by about {$300.00}. When I attempted to call the lender it took three days to get in touch with anyone. Finally I was notified by the lender that I was sent an escrow analysis ( which I did not receive by mail ) and they have found there was an error made and for the past two years they have been not charging me enough PMI and now I owe the difference for the past two years, therefore significantly increasing my monthly payment. I can understand small increases due to insurance or taxes, but because of an " error somewhere '' I am now unable to afford my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
There is a tax lien and a release of tax lien on my credit report. I informed TransUnion that was an error. I have never had a tax lien. They investigated and reported nothing different. The public record they showed had no name on it.

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 2015-08-26
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I attended XXXX University from XXXX 2015 to XXXX 2015. Navient repeated states that they can not see the loan in XXXX, stating that they need a paper proof of attendance to give in school forbearance for that period. I printed off the only copy available on their site & the school completed it and sent it in. Daily calls continued and at least XXXX I have provided this information. They state that a federal form was provided but the representative from Navient can not find the private form they say is required on their site. 3 weeks ago, they said they would put in my Navient correspondence inbox. They have now put delinquient notices, and I have told XXXX callers, I need the form they require & they did not provide it, nor could they show me how to find it on their site.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: National Commercial Services, Inc
State: NC
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:
In XXXX I was the owner of a 1996 Jeep Cherokee. In XX/XX/XXXX my daughter totaled the vehicle and XXXX my insurance company paid full claim on the vehicle. I then purchased the vehicle totaled back from my insurance company for {$600.00}. 
The vehicle was sold to a XXXX XXXX, I signed the title over to him and removed my lic. tag from the vehicle. 
I was contacted in XXXX XXXX by a National Commercial Services , Inc., XXXX XXXX, stating that I owned {$3900.00} and if I did n't pay it my drivers license would be revoked, I would have a claim against my credit report and I would be sued. I informed XXXX XXXX that I did n't own the Jeep in XXXX. I had sold it way before that. He said he did n't care, that I was listed on the police report in XXXX XXXX NC and that I needed to pay. That the vehicle had hit another vehicle in the rear and the driver was XXXX XXXX, I was the owner. I again explained that was n't true. XXXX XXXX has harassed me, yelled at me in front of my employees at my bank on the phone and wo n't stop calling me. He says he is representing XXXX XXXX. I have tracked down XXXX XXXX and verified that she had the accident, was n't insured and that XXXX covered the claims because the woman she hit had XXXX. XXXX stated that she has been making payments on this same amount to National Commercial Services for six months. However they are trying to get the funds from both of us at the same time. 
I have lost time at work, personal time and have been harassed by this company. I have spoken to XXXX multiple times with no assistance. I have called the XXXX XXXX Police who stated that the info on the police report may have come from a old registration card in the car. The tag on the vehicle report was my old tag that I had long returned to DMV. 
Today at XXXX I was told my XXXX XXXX that they would remove my name from this claim because they talked to XXXX XXXX who took responsibility and said that the car was not mine but was titled in her name at the time of the wreck. Then at XXXX he called saying that XXXX would not allow him to remove my name. 
What I do n't understand is that the lady hit by the jeep was covered by uninsured motorist and it paid the claim. The claim is done and paid ... .who has the right to harass myself or XXXX XXXX for payment. 
The police report clearly states that the hit was at less than XXXX and that there was NO damage to either car. YET the people in the car hit has made claims of XXXX and XXXX of dollars for medical cost. 
I feel that there is fraud being committed here in many directions and I want this stopped. 
I should not have to take my time away from my job and family to get out of this ... it was not my car, not my wreck and not my fault. 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 2015-11-28
Company: Synergetic Communication Inc
State: PA
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 continued to be called incessantly and at all hours by various representatives of " Synergetic Communication, Inc '' with a " Settlement Offer '' of {$410.00} on a " Current Balance '' of {$740.00} with XXXX. I do NOT owe XXXX, " Synergetic Communication, Inc '' nor anyone connected with either firm ANYTHING!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: Navient Solutions, LLC.
State: MI
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:
XXXX XXXX XXXX I am sending you the credit report number from XXXX. I am requesting the collection be cleared from all credit reporting agencies and my account be put in good standing and paid in full. I also am attaching Navient 's written correspondence indicating not to make any payments while the funds were being processed. I called at XXXX on XXXX XXXX asking about the delinquent status being reported on my credit report. I spoke with Christen ( XXXX ) and she gave me a request work number of XXXX. I am requesting immediate action on this request with follow-up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23
Company: Empowerment Ventures, LLC
State: NJ
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Fraud or scam

Complaint:
When I received my income tax with rushcard in XXXX. I had damaged my card and called for a new one, weeks later I notced I stI 'll have n't received my replacement card I called them and asked what was going on. They told me thy had already sent it out and I sold have reicieved it by now. They went on to tell me what address they sent it to wic was not mine. I had been usin the same address for rush card since XXXX. I do n't know how they got the one that they " sent it to ''. The balance of my account gets sent to me everyday via email and txts. I noticed that I had not XXXX a text from this card I never received stating my balance was XXXX cents. And immediantly called rush card to see what had happened. They told me my card had been activated and used. I told them that it was n't me who did it and tmso they hsd me file a dispute report for all transactions made on that card. It has been since XXXX XXXX that I have been dealing with this. Months later I was told by me calling cm rushcard to ask for an update they told me that all the funds I disputed was going to be returned to me wich was {$800.00}. I was happy, they then told me they will send me a new card. I waited and waited for it to show up and nothing came. I called them back and they said for security reasson I needed to send identification. All the documents were faxed to them and I still have n't received anything. Today I got an email saying that {$72.00} was credited to my account. I again immediantly called them to see why is it so low.?? They told me that there were only XXXX disputes that were fon in my favor. But months ago they told me that allll of t he disputed would be credited to me. I feel lied to, scammed, and chested out of my hard earned money. This isnt fair. I do n't trust anything they say. And I demand answers please help me. It 's been since XXXX I have been waiting for all of my money and today I found out that I 'm only getting not even 10 % back. My email is XXXXXXXXXXXX my phone number is XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
According to the FEDAL FAIR CREDIT REPORTING ACT consumer reporting agency may not report negative information that is more than seven years old from the fist date of that account being late.According to credit report file from XXXX/XXXX/XXXX and credit report file from XXXX/XXXX/XXXX show that the items is do for deletion

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 2022-03-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and did not open these accounts. I ask that the items be deleted to correct my credit report. I have reported the theft of my identity to the Federal Trade Commission as well as the identity affidavit. I would like these accounts removed as soon as possible please

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: TENET HEALTHCARE CORPORATION
State: AZ
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:
I had a XXXX vist which my ins paid but it still got sent in to collections central financial control i was told on XXXX XXXX by central financial that they XXXX dollars owed is not my hospital bill but actually a bill because it was sent to collections.i have sent repeated letters asking verifaction never seen a bill to date the oringal creditor has sent letters to all credit bureaus. Plus central financial not only will the not validate they are in willingful uncompliance

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 2017-01-19
Company: Navient Solutions, LLC.
State: CA
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:
This is regarding student loan servicer Navient. I was granted in In-School deferment XXXX that was scheduled to end XXXX. On XX/XX/XXXX I was informed by e-mail that they had granted by deferment in error and that I would go into repayment immediately. I got over XXXX e-mails from Navient over the next 24 hours. One e-mail informed me my payment due was {$680.00} ( this is the amount that has been listed for several years and the payment I was financially preparing for ). When I logged into the Navient website, it informed me that the payment was now {$720.00} and that they had added over $ XXXX in capitalized interest. before this my total in loans was approx $ XXXX and now it has swelled overnight to $ XXXX When I spoke to the customer advocate, she said some interest was added because the in-school deferment was granted in error and I now owed interest for that time period. She also said there was another mistake by Navient and I was never charged interest for a previous forbearance so that was added as well. However, I have gotten no explanation and no correspondence explaining why $ XXXX in capatalized interest was added to my account with no warning. I requested that since this is Navient 's own mistake that they remove these interest charges from my account. I have not gotten a response, the only resolution they offered was changing to a different payment plan, but that would still make me responsible for paying the interest for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was selling my car on XXXX. A potential buyer contacted me via text, followed by a phone call where we closed the deal at XXXX. It was for a 1969 XXXX XXXX. Buyer sent me a check telling me to wait for funds to clear before shipping the car. A few days later all my accounts are closed and assets frozen. Since then this has been damning. I cant open a regular checking account anywhere. Im not a check expert or fraud expert. I was selling my pride and joy just to get taken for a ride myself. Luckily the check bounced before I shipped my car but nonetheless Im stuck holding the bag as if im the criminal. This is not fair, and is taking a huge toll on my life. Please help. 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 2015-05-26
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In reviewing various statements from Owen Loan Servicing # XXXX, which was transferred from XXXX XX/XX/XXXX. There are various discrepancies that need clarifying.The original loan amount was {$640000.00}. Why does the statement say, {$640000.00}. Additionally, I need a breakdown of all costs that the transfer of the servicing to OCWEN such as the alleged interest in the amount of {$120000.00}, alleged Late Charges, {$7200.00}, alleged Escrow advances, {$75000.00} ( copies attached ). In addition, on XXXX of the statements that name at the top of the letter says XXXX XXXX on my account. I need to know why would another person be on my account with my loan address, unless this account in fact does not belong to me. Also in the payoff statement dated XX/XX/XXXX, which has the name XXXX XXXX, and my address, how can the amounts be verified is another person 's name is on my loan. 
I would appreciate your attention in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Transunion has fail to provide me with proper documentation regarding a XXXX account that I have disputed in the past and is still been reported as accurate.

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: CITIZENS FINANCIAL GROUP, INC.
State: IN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I had an issue with a customer service group at the number listed on the back of my credit card. The rep could not resolve my problem, so I asked for a supervisor, which I was given. The supervisor did not resolve my issue. I asked for a manager. She refused to pass me to a manager. She stated she was the highest level of authority I could speak to. I asked for a corporate phone number. That was refused. I was given a physical office address to write and snail mail a complaint to. I contacted directory assistance, and the number listed for that address rings fast busy all day ( on purpose ). I tried the web site. No phone numbers or addresses are listed on the site. I tried their live chat on the site. The representative could only refer me to the original customer service number. I am wondering if my only recourse is to cancel the card. My issue is that despite having had the card with the company for XXXX+ years with an impeccable payment history, each payment over {$500.00} has a XXXX day hold placed on it, despite the method of payment. My payments were EFTs, and therefore immediately transferred. The EFTs are also being held. Based on the customer service reps ' responses, it appears they are doing this to all customers. I understand the bank may be concerned with bad checks and are initiating a hold. However, on customers with clean histories? On customers paying by EFT? On all their customers?

Company response to consumer: Closed with explanation