BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-29
Company: Bread Financial Holdings, Inc.
State: IL
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'm trying to have this item move from my credit report, causing problem, paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Dovenmuehle Mortgage, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I paid my Mortgage on XX/XX/2016. The funds have been withdrawn from my back account. The mortgage company, DMI then sent on XXXX a statement that I owed then {$40.00} for an NSF fee. In addition, they reversed the payment as well. My bank maintains they have my payment and no NSF was ever indicated by them. I spoke to DMI team member, XXXX on XX/XX/XXXX, when I received the notice. I emailed my bank statement and she said this would be corrected that night. I still have not seen the correction online, nor does XXXX return my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I recently applied for an urgent loan with my credit union. When they tried to pull my credit report from Transunion, they were told that no information was available. My credit union called Transunion and were told that I needed to contact them. When I contacted them they told me that for some reason their system/company has XXXX different files for me and they need to combine the files before they could release my credit report. When I asked how this happened as I have never had a problem before they said it was just a system problem and that all I needed to do was send in a copy of my social security card and they could resolve my issue within XXXX business days. I immediately sent in my card copy as requested and after almost XXXX weeks they still had n't been able to get the issue resolved. I called them everyday, and everyday they told me it should be working now, but when my bank went back to pull the report they were still not able to obtain it. I call them, they tell me it 's okay, the bank calls and they say they are n't done working on it yet. I have asked several times to speak to a supervisor and have not been allowed to do so. Now today, my bank has reported that because of their lack of ability to obtain my credit report from Transunion they will not be able to grant my loan request and are closing out my application. The issues with my report are solely those of Transunion 's system and to no fault of my own. The other reporting agencies are n't having a problem, but my bank only uses Transunion who refused to correct THEIR error. I read online that this has become a normal practice for them and many people have complaints. In the meantime, my credit report is still unavailable and because of this I am unable to obtain an urgent loan that I need.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-02
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
The complaint that I have is with SYNCB/DKS. Over the last 6 months I have requested validation on multiple occasions for a debt that is listed on my credit report. I have been asking for evidence that bears my signature that shows that I have contractual obligation to pay SYNCB/DKS. I have not received anything that I requested and it is still on my credit report from all XXXX of the credit reporting agencies. All my letters where sent certified with signed receipt verifying they received the letters. 

can you Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I closed out my bank account over 3 years ago. At that time I turned in my keys to my safe deposit box. They continually send me bills for the safe deposit box that I do n't have and closed out correctly. The bills have added up to {$240.00}. 
I do n't owe this and contacted them in writing several times only to be ignored. 
My name is XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX. The Bank is Bank of America, XXXX XXXX XXXX, XXXX, XXXX XXXX. 
XXXX XXXX XXXX My email is XXXXXXXXXXXX

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 2016-09-23
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My school submitted a private loan in-school deferment form XX/XX/XXXX, which had been approved until XX/XX/XXXX. The private loan Navient charged me for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX along with a late fee when the deferment form had already been approved in XX/XX/XXXX. I graduated XX/XX/XXXX and am frustrated with their customer service department. I have spoken to numerous customer service representatives who have given me conflicting information regarding my account and the forms that my school must submit. Since, XX/XX/XXXX, I given a great deal of effort calling and notifying my school registrar regarding these issues. My school registrar have made numerous attempts to fax, refax, and resubmit necessary documents to rectify this issue. Navient supervisors have also told me they would resolve and submit requests to correct the error on my account. 
During this time, I have been receiving unending inappropriate calls as early as XXXX regarding my account. Their calls continue to disturb my life and my peace. I am completely stressed from their calls and have now sought a counselor to talk about my stress issues. My health is failing from a precancerous growth in my body from the stress and now will need to go in for XXXX as well. 
Since, then, I have done my part to make payments from XX/XX/XXXX ~ I graduated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Navient Solutions, LLC.
State: OH
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 a loan with Navient, one of two that were not consolidated. I have been on a XXXX for several years. in 2019, Navient closed one account as a charge off. Now each year they re-report the same account as charge off and closed with a new close date. This will never drop off my credit if they keep this up. I have tried to dispute it with the reporting agency, and with Navient and have gotten no where. This loan is over XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: MD
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:
Account Name : XXXX XXXX  Account Amounts : {$10000.00} XX/XX/XXXX I disputed this account with all three credit bureaus, XXXX, Equifax, and XXXX. There was an update XXXX reflecting a resolution, but my credit report still shows inaccuracies with the agency name and account numbers. According to the FCRA this account is not accurate. Please delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX I entered into a loan agreement whereon the interest was 16 %. Due to the fact that I was a victim of the downfall real estate market - this was the only loan I could obtain. It was essential I hold onto my home. In XXXX I attempted to obtain loan modification which took 3 years to effectuate. Now in my senior years I have attempted 3 times to lower my interest rate to no avail. I live on social security : my mortgage is {$1000.00} ; my coop fee is {$660.00}. ONCE AGAIN XXXX TURNED ME DOWN. XXXX TOLD MY MORTGAGE CO. I HAVE TOO MANY RATIOS. I AM CLOSE TO XXXX ; NOT IN THE BEST OF HEALTH AND I AM SAD THAT THIS COMPANY DOES NOT LIKE SENIORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: LUMINATE HOME LOANS, INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a loan with a company called American Mortgage & Equity Consultants back in XXXX. We were told that we could start construction on a new home before our old home sold and would not have to put any money down until construction was complete. This turned out to not be true. They expected money up front before construction started so we left and went to another company shortly thereafter. Recently I received a letter stating that our loan with them was not approved because of a lack of funds. We did not give them permission to run our credit report within the last 6 months, and we were not rejected for a loan. We left them because we did not trust working with them. I am afraid this fake rejection will negatively impact my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: EdFinancial Services
State: NY
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 am in the public service forgiveness program and now they are telling me I am not in the right repayment. It has to be income based repayment, when I went home and looked at all my papers from 2010 when I applied. I applied for the income based repayment and application I have all the supporting information. EDfinacial is telling me none if my payment will be counted towards the forgiveness. They are trying to scam me. This is ashame that they do this to students who have debt and are working hard and they do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Affirm Holdings, Inc
State: IL
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, the following accounts have violated my rights. 

XXXX XXXX  Account # XXXX Account # XXXX Account # XXXX**** 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
as of XXXX XXXX convergent sent me a letter saying I owe XXXX for wireless phone service from XXXX XXXX called XXXX spoke with agent explained I never activated phone I cancelled phone service the next day after original talking with them about getting service.I have phone service with XXXX all along never used XXXX XXXX  XXXX service.XXXX gave debt to convergent for collection I called them explained situation and sent proof of bills from XXXX.They have not resolved this situation.XXXX  has reported this to my credit agencys giving me a bad credit rating reducing my score.I do not owe XXXX XXXX any money for a service that I have never used.

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 2016-04-22
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Repeated, daily phone calls, paper mail and emails. Calls made were repetitious and at inappropriate hours. Phone calls to family members, giving information about my debt when they were not given family member phone numbers or consented to give out information to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Mercedes Benz Financial Services
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
I was buying a car, and they ran my credit once, and I was unable to do it by myself. So then they tried with my aunt, and that did n't work, and then finally they ran it with my mother. However they ran my credit 3 different times causing me to go over the yearly " good '' inquiry allotment. They are Mercedes Ben done on XX/XX/2016 and 2 are MB Fin Svcs done on XX/XX/2016 and XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: BOK FINANCIAL CORP
State: NC
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My husband and I both received separate written letters from XXXX XXXX XXXX XXXX, XXXX claiming that they were collecting an unpaid debt from our mortgage lender, Bank of Kansas City. Our mortgage account is in good standing and has no unpaid balances or late fees and this has been confirmed by our lender. XXXX XXXX XXXX XXXX is falsely attempting to collect debt that does not exist in a predatory manner. It also appears that our mortgage lender sold information about our mortgage to this debt collector without contacting us and/or without our consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I had opened a savings account in college that waived various fees because I was a full time student and under the age requirements. A couple of years after college my account automatically switched to a different/default choice of savings account without : a formal notification to me, a choice or preference in the type of account I was going to transfer to, providing a clear explanation of the new terms of that account. These new account terms changed a couple months after I was legally married and my husband XXXX. I began to accrue monthly maintenance fees within the first XXXX months and now have totaled over XXXX months and draining my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On Wednesday XX/XX/XXXX, XXXX XXXX mis-charged my account {$440.00}. They were willing to help but explained the refund would take 7-10 business days to show on my account. They advised me to call my bank so they could expedite the process. Called BOA and waited for a rep for 47 minutes before an answer by the claims department. This employee told me there was nothing she could do for my account at the time. After going back and forth for 15 minutes, she transferred me to customer service. I explained my story to the CS rep who, once I finished, full-bellied LAUGHED at me. Said he did n't know why I would have been transferred to him. He sought out a supervisor who said she would call XXXX on my behalf and call me back. She never returned my call. On Thursday, XX/XX/XXXX, I called BOA again and spoke with a XXXX in CS. After 14 minutes on hold waiting for an answer, she was able to add a temporary " memo credit '' to my account. On Saturday, XX/XX/XXXX, the " memo credit '' expired but I was not notified this would occur and received an e-mail on Sunday XX/XX/XXXX that my account balance fell below {$25.00}. Called BOA again, waited on hold about XXXX minutes before speaking with a CS rep who told me she could n't help me and would need to transfer me to claims. After about 40 minutes on the phone with claims, they forced me to open a claim when all I wanted was for someone to put another credit on my account until XXXX finished their refund. Claims rep told me to check my account Monday XX/XX/XXXX for the claims credit. Come Monday XX/XX/XXXX there is still no credit on my account from BOA or XXXX. I call BOA AGAIN. 47 minutes waiting for an answer and an hour on the phone with a CS rep I finally get a supervisor named XXXX who puts another memo credit on my account and assures me she will keep on an eye on my account until everything is righted. On Tuesday, XXXX, XXXX 's refund and the claims credit posts to my account. I now have XXXX credits on my account. Wednesday XX/XX/XXXX the second memo credit expires. On Thursday, XX/XX/XXXX the claims credit is removed from my account and now I only have the refund from XXXX, which is all that should be there. Thursday XX/XX/XXXX, BOA has deducted ANOTHER {$480.00} from my account. I spent 2 hours and 37 minutes on the phone with a claims rep and a claims account manager who both insist that this is my fault and everything on their end is correct. I was meticulous in keeping records on my account during this entire process and am 100 % sure that BOA has taken an extra {$480.00} from account that they refuse to give back.

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 2015-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I did a loan modification with bank of America last XXXX, It was very easy and after a short time I got a coupon book in the mail to make XXXX trial payment that were a lot lower then my original mortgage payment. I made all three payments that were for XXXX, XXXX, XXXX. and my payment was then set to that low payment. I then made the XXXX, XXXX, XXXX, XXXX, XXXX payments. My XXXX payment jumped up {$600.00} dollars. When I called Bank of America they stated to me that there was a {$5000.00} dollar balance left owed on escrow. That I was never told about. They also said that they wanted a cushion in the escrow account for future payments on taxes and Ins. I informed them that I could n't pay the new mortgage amount. I then was told that I could do a modification after a year has past. I was also told I could start the process in XXXX 2015 and in XXXX it would be a year. So I Filled out the Modification application and started to gather all my copies and statements. It was the worst experiences I have ever had. I was receiving XXXX packages almost every day requesting more stuff. My contact person was XXXX XXXX Who did n't care about me just the numbers. I was being called for paper work that I already sent and questioned on accounts I paid off. Now three months later they send me a denial letter stating the reason they could n't do the modification was I needed to wait 24 months not 12. to apply for a new modification. When I spoke to XXXX XXXX after receiving the letter I asked her why was I still sending papers and faxing things to her if all along you know I was n't in the guild line of a new modification. Her answer was. That 's the FHA guild line. So the time and money I spent on coping and faxing was all for nothing. Thank you Bank of America Sign XXXX XXXX. a very disappointed customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: Dovenmuehle Mortgage, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We sold our house on XXXX XXXX, 2015. Escrow check never came. Called end of XXXX. Said they did not have address. Checks do not get forwarded. Sent letter with new address ( By the way though XXXX they should have all our information ). Still do n't receive check by XXXX XXXX. Call again. Will send 2 day mail after I complain. Send 2 day mail to old address! Get check and call to make sure I can cash. Dovenmuehle says yes. Cash check in XXXX account. Receive another newer check from mortgage company. XXXX gets returned notice check and charges account. Call Dovenmuehle and explain situation. Also ask for escrow accounting. Never give me {$5.00} service charge back for returned check. Do n't provide escrow accounting. Not the money but the principle of matter. They sat on over {$3000.00} of escrow funds and never attempted to get in touch with us. We have all our banking and insurance through XXXX. Totally disappointed with everyone I dealt with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: NY
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 saw this in the news : XXXX I used to have loans through XXXX , which is now Navient. Am I entitled to any payback? My name is XXXX XXXX. I have since paid my loans off, but I had loans just up until last year. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient has made it very hard to stay on track with my student loans. They raise interest rates on them the more I pay. They have capitialized interest on me while ive been in school. They have never let me release my co signor. They said it was n't possible. At this rate I wil be paying $ XXXX a month for 30 years. My original balance of {$35000.00} went up to {$54000.00} in 6 years just due to the interest.

Company response to consumer: Closed with explanation