BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-15
Company: Navient Solutions, LLC.
State: NH
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 have contacted Navient via telephone regarding co-signed loans requesting information to be sent in writing showing the amount of the loan ( s ), distributions, date of all transactions ( payments credits, fees, interest ). I informed Navient that i just started receving notices about the loans in the last few months, nothing prior. Also that one of the loans was fully paid in XXXX 2013. I have also requested information for a release of this co-signed loan and the status of the application.on the second student loan. 
Navient will not provide the requested information in writing and has ignored all my requests. Previously Navient filed false and inaccurate information with credit bureaus which has caused me financial harm. Navient stated they investigated my complaint saying the false statements were accurate even after I sent proof of their false statements to both Navient & CFPB. No further action was taken on my behalf by either Navient or the CFPB

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

Complaint:
For the past XXXX months I have received notices that my mortgage payment was past due. I 've been paying my mortgage on time, through my financial institution, for XXXX+ years. For the past XXXX months my mortgage payment has been applied to a credit card that I also have with this company. This is odd since I have n't used this credit card in more than a year and it has had a XXXX balance during this time. I have sent them proof from my banking institution showing the funds were sent on time each month showing my loan number, yet I continue to get calls from collections. I have spent HOURS on the phone with the mortgage company, spoken to multiple people, put on hold for excessive amounts of time, been transferred to incorrect departments, been told that my banking institution was responsible for the error, and disconnected more than once. I 'm sure you realize that each time I call, the story has to be explained to a new representative ( who usually asks multiple questions ). XXXX months ago, while on the phone with the lending company, and learning that my XXXX mortgage payment had been applied to my credit card account XXXX the one with no balance ), I requested they close the credit card account so that I would only have one account with them XXXX my home loan ). I was transferred to the credit card department and the account was closed. Unfortunately, my next XXXX mortgage payments were applied to this CLOSED account. After another round of phone calls, I was told that yes, indeed, the credit card account had previously been closed at my request. So, how can my mortgage payment continue to be applied to a closed credit card account??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a bank of America account, and they decided to close my account without notice. I called to let them know that those charges, and fees were not mine or authorized and they proceeded not to help me. Since, my account has been sent collections, and i lost funds that were taken from me. This happened a couple months ago, but i have not gotten around to it till now, because I lost my job, and my father this year alone. I been going through the hardest times of my life, and now this and the bank cant help me. I been a customer with bank of America since 2006. I wish these banks had better interest in their customers and their needs. Money is evil, and i work hard and live day by day to get by. I just want the bank to fix this and reopen my account and refund me the money taken. I love the Bank Of America family and would love to stay in 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 explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: FL
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:
Hello, Please help me and do not ignore my message as I have something wrong in my profile. I am writing to you as I have a big mistake in my credit report .... I found the accounts that I do not recognize, I believe I became a real victim of identity theft. I kindly ask you to help me because I do not recognize these items in my profile. I am requesting that you delete information from my credit report because I am not connected to any of those accounts like absolutely. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In my credit report from XXXX XXXX requested by XXXX XXXX, an incorrect creditor showed up with a debt in the amount of {$22000.00}, by XXXX XXXX. This debt does not belong to me. I want an investigation and the same be eliminated from my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: Other

Complaint:
In 2012, I believe that I became a victim of a phishing scheme and credit card fraud. I also believe that I am wrongfully being held to blame for the charge-offs on my credit report because Bank of America refused to accept my disputes against the fraudulent charges to my credit card and they failed and refused to protect me from fraud as implied in their Visa protection policies, after I did file my disputes " on time '' with them. // After a " no settlement '' with them, I filed a complaint letter to the Consumer Financial Protection Bureau and received a return letter without the said " attachments ''. // A request for the attachments has been submitted to the CFPB. // Once I had spoken with XXXX XXXX and the credit card account was closed, I was never notified that any charge offs were being placed on my credit report. I had never even heard of a " charge off '' and had known nothing about what it was " ever ''. I feel that I 'm being deliberately " set up '' for some sort of further damage to me by Bank of America. // I 've always been told that any credit card purchases have guarenteed protection and money back protection against " any '' fraudulent transactions. // Only until now, I accidentally found that I could file a complaint about this matter to the Federal Trade Commission . // When the bank closed my credit card account, via XXXX XXXX actions, I believed that the matter was settled and over with. Nothing was said to me about it, no mail notification, no phone calls, no emails, so I believed that I was cleared by their " fraud protection policy ''. ( Now, a double fraud against me ). // I now wish to demand that this matter is to be cleared and erased from my credit report history and my normal credit score restored, ( about XXXX ) with all of the credit score companies. // To me, in 2012, as a normal and un-informed person, I considered that a closed account was now null and void. // Any damaging information being added to my credit report without my " consent or knowledge '' is what I would call " illegally withholding damaging information against an innocent person '' ( by Bank of America ). // I wish to demand justice. // I had no idea that this was going on against me, whatsoever. // End.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Flagstar Bank, N.A.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XX/XX/XXXX I moved out of my home that was mortgaged with Flagstar Bank. 
XXXX Loan # XXXX XXXX I rented the home until XX/XX/XXXX when my situation dictated that I could no longer afford the home to to debt, divorce, car loans, 2nd Mortgage, etc. I tried to get Flagstar bank to refinance my home at the appraised value which was {$60000.00}. They refused to help me even though my loan amount with my 1st and 2nd was over {$100000.00}. I could not make the payments and could not rent the home to recoup what I owed per month. I also fixed up the home and tried to sell it at the lowest amount possible. Nothing worked. 
I walked away from the home due to these factors and Flagstar took it back and sold it afterwords. I am now trying to refinance my current home and can not because this is still showing up on my credit score because of the gap between what I owed them and what they were able to sell the house for. I received no help during my process of trying to keep the home at a reasonable amount due to the constant hurdles and road blocks put up by the finance department at Flagstar.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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  XXXX Balance : {$0.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX  XXXX  XXXX Balance : {$690.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX  XXXX Balance : {$4500.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/2016 I went to Bank of America to open new checking and saving account. I had an offer with me ( Internet offer printout ) which says, " Get {$300.00} once you open a new checking account and set up and receive direct deposit totaling {$4000.00} in the first 90 days. '' After reaching the branch I met with a banking personnel ( XXXX ), I showed this coupon to him which he said the bank will honor this coupon he also took the buy in from his supervisor ( XXXX ). After this I opened the bank account and set up the direct deposit which totaled beyond {$4000.00}. 
After this I visited the bank 2-3 times and the same guy told me that I need to wait for 90 days. After 90 days when I again visited the bank ( date : XX/XX/2016 ) XXXX called his marketing team and told me that it will take another 60 days but I was not convinced as I thought he is just buying some time but when I argued then he and his manager told me that they will open a case in their system and I will get my {$300.00} promotion in 30 days. The case ID is XXXX. 
After 3-4 days I got another phone from BOA case department and they told me that they will not be honoring that coupon as that was an internet generic offer. I tired explaining them that I already said the same thing in the initial time of opening the account and that time your guys promised me that they will honor it and after 4 months you are declining it. She kept on apologizing as their banking officials gave false promises but refused to honor this and told me to check with branch officials and closed my case. 
I completely felt cheated as I did n't conceal anything and told everything before clearly.

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 2015-11-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: KY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Improper contact or sharing of information. Contacted me AGAIN instead of my attorney. ( See previous complaint ). I received a letter from SPS, postmarked XX/XX/2015, addressed to me. It should have been addressed to my attorney, XXXX XXXX. This is the XXXX violation of consumer financial protection law, in my case, concerning improper contact. Letter and envelope is available on request. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was notified that the company/sole owner that I am XXXX to ( I am an XXXX ) was contacted by the debt collection law firm Messerli & Kramer asking questions about me and although told I was not a employee but rather XXXX was asked to verify my name and my social security number. The owner did not give out this information however the collection law firm proceeded to state my name and social security number as well as other personal information to the owner ( my XXXX XXXX ) considered third party and asked if it was correct. This is illegal, an invasion of confidential information and a privacy issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Payments are n't applied correctly and have been paying on them for nearly 20 years. I have had no help in understanding why the amount is barely reduced and sometimes increased monthly after a payment is made. Lately I have to call 9-10 times just to get an answer or things corrected. This is from my XXXX from XXXX University and my XXXX XXXX from the University XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In 2012 I paid off a collection and now the debt is back on my credit report. A collection agency named " XXXX XXXX, XXXX '' is harassing me by telephone trying to collect the debt again. I have attached my original receipt as well as the recent letter I received threatening to sue me. I believe I am being scammed. Can you please help?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-21
Company: Titan Receivables, Inc.
State: CA
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:
I was a co signer to bail a friend out of jail i she stop making payment and i can find her now it on my credit im looking at the term and amount it inncorrected and on my credit

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Sent in all the documentation required for a modification review on XXXX/XXXX/2015 and my lender is refusing to review the documents because of the foreclosure sale on XXXX/XXXX/2015. I had an authorized 3rd party call my lender on XXXX/XXXX/2015 and they stated that it was too close to request a postponed. They had previously reviewed me in XXXX of 2015, but at the time I was only a part-time employee. I have now received full time employment. Since my situation has greatly changed and I submitted the documents to my lender 11 days prior to the sale I am asking for them to postpone to allow for a proper review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX, XXXX Acct # : XXXX Date Reported : XXXX/XXXX/2014 Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE this account was apparently transferred to another lender sometime ago, so how can current acct status be showing as late?? this is inaccurate

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: PHH Mortgage Services Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have previously submitted XXXX complaints regarding our mortgager PHH and the illegal sale of our home. We were in foreclosure in the XX/XX/XXXX and were in the process of completing a mortgage modification application. PHH sold our home on XX/XX/XXXX. The sale occurred prior the the deadline for submission of required documents. When we brought this to the attention to PHH and the XXXX, PHH rescinded the sale almost 2 months later. This was after we moved out of our home out of fear of a sherrif 's eviction and a local realtor pressuring us. We have experienced stress and financial burden as a result of this. In a prior complaint with the XXXX, PHH responded, stating that an offer for modification was given in XX/XX/XXXX and was not returned by us. This was immediately after the sale rescinding. We did in fact respond to the modification offer in a letter stating that we were officially opting out of the offer. A letter was sent to PHH and we verified receipt. 
We are in the process of suing PHH for fraud, breach of contract, and damages - as a result of the illegal sale of our home on XX/XX/XXXX. We are asking that you be part of the monitoring process, or if possible, assist us with this. 

We have made initial contact with XXXX XXXX, liaison to the office chairman at PHH - XXXX X XXXX We have tried unsuccessfully this week to speak to an attorney at XXXX and XXXX, who represents PHH, - XXXX. 



Please see attached documentation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I went online to the Bank of America online banking to view my mortgage account. On my Summary account page it shows double the amount that it should. Today XXXX as mentioned my online banking accouunt shows XXXX identical mortgages and a zero balance for my Principal Forgiveness mortgage. No on has been able to explain why my online banking page shows XXXX mortgages or why that page shows a balance of XXXX dollars. I have spoken to XXXX representatives in XXXX different departmments and no on has answered my question. BOA was forced into the Principal Forgiveness Program apparenetly due to unsavory practices. I wonder is this another? XXXX associate at BOA stated that my present mortgage balance was XXXX dollars. Another associate stated that my mortgage balance was XXXX dollars, yet online shows XXXX dolllars. I am a XXXX veteran and I unfortunantely suffer from XXXX and I get VERY VERY upset when professsional ethics are in question. Especially wjhen the representativess can not clarify nor rectify THE ( IR XXXX mistakes. Any help will be greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: Elite Student Solutions
State: TX
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I was making payments to this company in relations to my student debt and I had found out that this company I had been paying has not been putting it into my loans. 
I got a call from XXXX, my primary student loan provider, and it came to my attention that there was no payments being made to my loans.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
i try to login into my transunion account to access my credit file and check the status of open disputes. every time i try to i get an error message saying that my file ca n't be accessed due to data provided. I have had the same account info for many years and the system shows me logged into my account. When i call in to the csr dept they tell me its nothing they can do. I want someone to tell me if there is an alert on my account that i 'm unaware of or why when i 'm denied credit i 'm unable to obtain a copy of my credit report that is entitled to me by law?

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 2016-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
i was recently denied credit and i want to start a dispute online using Transunion website. The site keeps denying me access saying that my URL is incorrect. I tried using multiple computers and it seems Transunion has a block on my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation