BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-13
Company: Bonneville Billing and Collections
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
On  XXXX   XXXX ,   XXXX   in the evening, a collector came to my parent 's address in  XXXX  Idaho. I no longer live in the state, and stated that I was being sued due to a debt that I owe. The collector stated it wa s for Bonneville Collections. The collector shared my name and personal information with my parents and asked wher e I was and was living now. I feel this violates many laws and regulations set out and my privacy rights and was very unprofessional. I have had no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: Fedloan Help
State: ID
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I used a company called FedLoanhelp.org to reduce my monthly payment on my student loans. They took monthly payments from me by automatic withdrawl for over a year. However, they amde it look like it was through the regular student loan program, XXXX. It appeared for the whole year that XXXX was getting paid and all was well. I was just contacted by XXXX that it is time to renew my repayment plan. When I investigated the information they have, it turns out, they were given fraudulent information about my family size, which reduced my payments to XXXX for the entire year on their end, and they have not received any money towards my student loans. In the meanwhile, the Fedloanhelp company has been collecting {$120.00} a month for the past year. It has not been applied to my student loans. I do n't know where it has gone. How do I get my money back, and how do I report this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: Nationwide Intermediary Services llc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have no idea who this company is that is calling me. This company claimed that I took out a payday loan in XXXX in which I was never aware of taking out. I have statements from my bank in which it shows that not payday loan was received during this time. The representative told me that they was a legal firm, taking me to court if I did not pay this payday loan debt off today and that they were filing the paperwork with XXXX XXXX. The representative would not give me the name or address of the company, they only said that they had my name and my file. I asked for verification and validation of this information. I continually asked for the address of this company and I was told that they represent a group of attorneys and they refused to give me the physical address. I was also told that I was a lying disgruntled consumer and they have to protect themselves. The representative also called me a liar and that she made more money than I did which is why I ca n't afford to pay my bills. Once she said that, then she hung up the phone on me. I called back several times and got no answer ; I was forwarded to the company voicemail. I called back a 5th time around XXXX XXXX on XXXX/XXXX/2016 and spoke with a gentleman who would not give me his name, nor the address and told me that the attorney 's information who filed the lawsuit against me was confidential. He hung up the phone on me and would not tell me anything about the alledged debt, the debt collectors or the attorneys. The representatives of this company called me names, threaten to take legal action against me, made jokes about me not having a job and was totally unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an account under a promotion with Santander Bank. In order to receive a promotional bonus of {$220.00} I needed to keep my account open and make a direct deposit within the first 90 days of opening the account. I kept my account in good standing and did everything the bank asked of me. My account was closed by the bank due to their arbitrary rules with no notification or warning. My employer direct deposit was denied and had to receive a paper check after my pay date because I was given no warning. The same week I would meet the qualifications for the promotional bonus I was approved for the bank closes my account. Here is a timeline of events with my account. XXXX/XXXX/XXXX - Applied for Simply Right checking account with promo code XXXX XXXX/XXXX/XXXX - Date account opened and opening deposit deducted from my other bank account XXXX/XXXX/XXXX - Receive welcome kit and enrolled in online banking XXXX/XXXX/XXXX - Mailed signature card back to Santander in self addressed postage paid envelope XXXX/XXXX/XXXX - Received letter stating they have not received my signature card. Letter included additional signature card to return XXXX/XXXX/XXXX - XXXX EST called Santander and spoke with customer service for 12 minutes. Asked if the have received my signature card yet. Female representative said she could not confirm and need to email another department. She should receive response in 2-3 days. Assured me she noted my account and said accounts would not be closed for this kind of issue. I asked for fax or email where I can electronically send signature card. Rep advised no such way. Only mail. XXXX/XXXX/XXXX - Mailed second signature card XXXX/XXXX/XXXX - Received email saying my statement was available online. Logged in to find account closed. General customer service phone number provided. XXXX/XXXX/XXXX - Called Satander. Spoke with XXXX, ID # XXXX, advised no way account can be reopened. Can not confirm if they have received either signature card or not. Stated that was the reason for closing. Asked for manager. Still unable to provide any resolution other than I can apply for a new account. Put in request for corporate complaint unit to respond. XXXX/XXXX/XXXX - Corporate unit called. The representative empathized with my situation and the poor handling/customer service by Santander. I have not received a return call in a week which I was told they would look into their signature reception unit for my documents. No successful resolution.

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 2016-11-01
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX 2015 i was evicted from the department i was leasing, we went to court and the court order the eviction and settle that we owe the the leasing company {$1400.00}. 

The leasing company first sent us a letter stating we owe them {$4700.00} with braking up the amount. 

After that we receive a letter form Professional Debt Mediation stating we owe {$4700.00} and they send this debt to the credit reports. 

Also they post the debt 2 times like if i owe {$4700.00} 2 times, when i contact them trying to settle, i ask them why they post my debt 2 times, the answer from the was that this way my credit score will be lower with the XXXX postings and i will be more urge to pay my debt, i offer to pay what the court settle {$1400.00} and they refuse to settle for less than {$4700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In   XXXX   XXXX   XXXX     I filed for Chapter  XXXX  Bankruptcy. I had  XXXX  tax liens at the time for {$250.00} and {$3400.00} respectively. These tax liens were covered and paid through the bankruptcy. The Bankruptcy has dropped from my credit report but the tax liens have not. The tax liens report as released - but  XXXX  and Transunion have both responded to my disputes saying the information is accurate. It 's my understanding that the tax liens should drop 7 years from the file date once paid or if paid through Chapter  XXXX  bankruptcy - when the bankruptcy is removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I made a change to the withdrawl date of my car payment, last time I had chosen to change the date I had spoken to XXXX that informed me I had the option do so so myself online and make changes without having to call the office. I took it upon myself and followed through online, I came to find out today that there were XXXX withdrawls on my account which are not authorized. I called the financial institution and was told XXXX XXXX that I had set up XXXX accounts, the rep cancelled the 2nd withdrawl but informed me that it was my fault therefore there was no refund to be made.She apologized for the miscommunication but that is not what I had been told.

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 2017-05-13
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed a debt listed as a hospital bill for {$360.00} on my credit report. I contacted the company listed as owning the debt, to dispute it, as I knew the debt did not belong to me. The company listed as debt owner was  Mitchell D. Bluhm & Associates  -  XXXX   XXXX . The date of the account being opened was  XXXX / XXXX /   2016. I kno w for a fact, that I did not receive the services being billed.  Mitchell D. Bluhm informed me that if I made a full payment, the debt would be cl osed and deleted from my report. Due to me not owing the debt to begin with I refused to make a payment.  Mitchell D. Bluhm & Associates  is violating the Fair Credit Reporting Act, by continuing to report a debt on my report, after being informed that the alleged debt is in dispute, I feel that the company is attempting to extort, money from me that I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-13
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient has on many occasions refused to give us the best repayment option.
They have steered us into forbearance after forbearance stating that if we didnt take it our payment would be {$1200.00} a month.     I mention ed IBR and Obamas PAYE and the y told me time and time again that we didnt qualify leaving us no choice but a forbearance.   Even with my husband out of work and my income at {$37000.00} a year they still told me my payment would be {$1200.00} a month.   It wasnt until I threatened lawsuit did they budge and finally give me a decent repayment option.   But now the year is up and they are at it again with the high repayment terms that we cant afford.   For years they have intentionally forced me into forbearance exhausting all my forbearances while refusing me a decent repayment schedule that I could afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: American Financial Resources, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XX/XX/2016 I began the process to refinance through " eLend '' and signed the initial mortgage disclosure package. I agreed to a XXXX year loan fixed rate of XXXX %. I provided all requested documents in an expeditious manner and satisfied all requests from the lender to include an appraisal they directed me to use. On XX/XX/2016 I received an email from processor XXXX indicating my loan has been conditionally approved and the rate lock of XXXX % would be expiring on XX/XX/2016. In addition the email requested documents within XXXX hours. I immediately sent all requested documents, satisfying the request and sent an email to XXXX indicating the documents were sent. I did not receive a response until after the rate expired on XX/XX/2016. I was informed the rate would be extended. After several attempts to contact XXXX to once again check on the status of my loan, I received an email indicating the rate lock had expired again on XX/XX/2016. I spoke to origination XXXX XXXX and explained I have sent all requested documents and did everything on my part to satisfy the loan, but " eLend '' has allowed the rate to expire twice. XXXX apologized, but said the best they could do was increase the rate to XXXX % and charge me fees. I pleaded my case once again and XXXX called back explaining he would waive the fees, however could not give me the original rate of XXXX % even though it was " elend 's '' fault for the rate expiration. As a result, I have lost credits paid towards closing costs and have an increased rate due to elend 's lack of ability to process a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
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: Credit inquiries on your report that you don't recognize

Complaint:
I called  XXXX  about an inquiry on   XXXX   and was told to send a copy of my credit report to the proper department as it was confirmed I did not apply for any products on the inquiry date. I have not heard back and the inquiry has not been deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have written letter and made calls for a couple of years with no help. I have been trying to get an FHA home loan. There is one Navient account showing a charge off. This is a private loan from several years ago. I had my mother cosign the loan. I was diagnosed with a XXXX XXXX and went on XXXX. All of my loans were discharged due to total and permanent XXXX. If you check the National Student Loan Database, my balance is zero. Navient shows one loan as a charge off and a few more as delinquent and paid by insurance. Every other company has the information correct. My mother died in XXXX and I still get letters from her by collection agencies. Navient shows the balance as of over {$84000.00}. The original amount was {$40000.00}. Since I live on XXXX income, I have very little money. I called into Navient about the loan in question. They still want the money. Guess what, it will NEVER happen. I followed the process and my loans were discharged. They now want me to file another application for total and permanent XXXX for this loan. So since they cant get the credit reporting correct and can not get their XXXX applications in order, I am unable to buy a home. These people need to be stopped. Navient needs to be investigated and closed down. They should not be a for profit company. I have read about current litigation about Navient and XXXX reporting and would like to be contacted. Like I said, all other student loan companies have my loan information correct. All except for Navient. Since I cant get this resolved, I am going to seek the help of a bankruptcy attorney. Since I am permanently XXXX, I should get a discharge. It is sad that one must go to this length. I have been dealing with Navient for several years about this issue. I have to say that Navient is the worst company I have ever dealt with in the XXXX  years I have been alive. I have no idea why the government would ever do business with them. If everyone who has been harmed by Navient filed suit, maybe they might take notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-13
Company: ERC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I contacted this company on  XXXX   XXXX ,   XXXX   asking for validation of this debt. They have not responded, I did not enter into a written contract with this company and do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I am just trying to get my financial situation in order and was looking at taking care of my student loans and was dumbstruck at the interest charges on my loans. I started with an initial XXXX loan and now I am owing over XXXX! This is outrageous and no wonder people are in debt until they did for trying to pay these off!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: PENTAGON FEDERAL CREDIT UNION
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: Credit inquiries on your report that you don't recognize

Complaint:
I called  PenFed a bout an inquiry on  X/XX/2017    and was told to send a copy of my credit report to the proper department as it was confirmed I did not apply for any products on the inquiry date. I have not heard back and the inquiry has not been deleted from my report.

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 2017-05-13
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been a   college student   since   XX/XX/XXXX . I attended a private college until  XX/XX/XXXX , and then in  XX/XX/XXXX   I started attending public universities- First was  XXXX  University  XXXX  There I received federal subsidized and unsubsidized loans without any problems. I beg an      XXXX   XXXX   at  XXXX   XXXX  University in   XX/XX/XXXX , a nd received  XXXX  PLUS loans unt il  XX/XX/XXXX . Aga in, no problems. For the past 2 years I have been attending     XXXX   XXXX     at  XXXX  University, and continued to receive  XXXX  PLUS loans with no problems.. UNTIL my servicer got switched to Navient. As soon as my loans got transferred from  XXXX   XXXX  to Navient, my financial aid was cut off, and loans immediately went into repayment. Navient claims that  XXXX  University borrowed too much money for me in   XX/XX/XXXX ,  and I have to consolidate my loans and begin repayment immediately. I am poor. I am  XXXX . I am a former   XXXX   XXXX   XXXX  . I do not have an income besides small  XXXX  payments  ( social security ). I do not have a family to fall ba ck on. I survive on my   XXXX    PLUS loans which pay for my cost of living. I was never given any notification, phone call, or email informing me there are any problem. I am about to be evicted, and I will be homeless on  the street in 1 w eek because of this problem Navient claims that no other servicer or university claimed. I am about to lose everything as a result of this claim  Navient  is making which there is no evidence of anywhere. Additionally, I am still enrolled in school full-time. Yet they have still put my loans into repayment. After doing some research, I have found Navient is being sued by th e U.S  XXXX  Consumer Financial Protection Bureau for doing similar things to other consumers. Add my story to the list of evidence against them. If you know how I can get help, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report I noticed a credit inquiry that I did not authorize made by  Chase  on   XXXX    . I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act  Section 1681b  ( c ) and a serous breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a collection that 's been showing on my XXXX and Transunion report for a while that is not mine. I disputed through XXXX, and receive a verdict that they were unable to verify this was mine, and they agreed to remove trade line from CRA 's in 2012. They are still on today and disputes did not work with XXXX or Transunion, and Collection Agency is not acknowledging the letter they send agreeing to remove from my reports. 

The tradeline on reports is XXXX, they also go by XXXX XXXX XXXX XXXX XXXX it looks like. 

Please help me get this resolved, it 's making it hard for me to get an affordable rate on a vehicle for my family.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation