BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-13
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have multiple federal and private loans with Navient. After my wife lost her job I was the only one working and made attempt to get lower payments and Navient would not work with me so at that point, I was unable to make any more payments as the payments they want me to make are well over what I could afford. Since then collection attempts have begun, and they are not only calling me 7+ times a day from a robocaller but also calling my family or anyone that has had contact with me. They have left several messages indicating that they need to get in touch with me " regarding your student loan ''. They also have denied me any deferment or forbearance as they state I do not have that option any longer. The funny thing is I am still in school yet they refuse to work with me so I cut all contact with them. They continue to harrass not only myself but also family members, they have called my parents giving the same information. By giving 3rd parties information about my loans I believe they have broken the FDCPA. They have called my wife stating " this is XXXX from Navient calling for XXXX in regards to his student loan debt ''. My wife said they do not have the right to keep calling her and she said they have every right to call her. They called my cousin today asking for him to get hold of me regarding my " student loan debt ''. The harassing calls also are becoming too much to deal with, calling 7+ times a day, calling and hanging up and then calling right back, calling from multiple different numbers. I plan on seeking an XXXX as I feel that they are breaking the law and harassing me and my family members as they will not work with me. They also put on my online account my work number after I have never given it to them. They called my work and also left a message stating they were calling regarding my student loans. Phone records and/or other documentation that may be needed can be requested if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Navient Solutions, LLC.
State: TX
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 am a victim of fraud from XXXX and their false promises of employment ; I have tried several times to request help from Navient and they are refusing to assist me. I am stuck with a XXXX debt with no hope of repaying because I can not find work in the field that I trained for because of the lies of XXXX a school that was closed by order of the US Department of Education. I am asking for the same treatment as other victims received including tax-free loan forgiveness. I have read on several websites of these programs and Navient only tells me, there is nothing they can do I will have to pay the loans in full. No exceptions. 

Also, they have a " Private loan '' in my name that I never authorized, I 've talked to a few people and they told me the loan was paid to the school ... however, there are no records!!! I am paying for a loan I never asked for!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Before I graduate from graduate program, I have made consolidated efforts to pay my student loans. After graduation, it is my expectation the loans be consolidated, I contacted Navient and they gave me the run around. They also did not openly disclose that my accounts have one identifying number. Unbeknownst to me and my cosigner, the payments was routed to one account number. XXXX conveniently made sure that this information was not public knowledge. Every month I am saddled with paying a high interest rates because the loans can not be consolidated. I now have multiple loans and there is little assistance from the company to transparently disclose options or to consolidate the loan to one interest rate. This is unethical as I expected an open and honest communications and one identifying loan number. This deceptive practice should stop as there are honest individuals like myself who would like to repay the loan and get out of debt. In addition, since I have been paying, the payments have only gone towards interests payments and the loan amount have remained the same since graduation. This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I 've noticed that since I took this loan out, in 2011, I 've only paid {$270.00} in principal. I 've called and emailed to inquire about getting a lower interest rate ( this one is at 7.125 %, yet I have another loan with them at 2.875 % ). They wo n't budge or offer any other help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Navient Solutions, LLC.
State: TN
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:
I went to school and graduated. Cant get a job in the field, due to the school not being accredited. There were extra fees added that i was not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Sveral months ago XXXX sold my mortgage back to Bank of America. I had previously fought with BOA with an attorney for 2 years unitl they gave the loan to XXXX.XXXX and I resolved the mortgage and a contract was drawn up changing my interest and payments to {$780.00} per month for 40 years and they would pay the taxes. This contract was signed by the VP of XXXX and myself as bonding as it was negotiated between attorney 's. Within 2 months of BOA taking the loan back they started adding fees for taxes, their attorney 's payments and insurance running the monthly mortgage payments over {$1100.00} per month and climbing. They refuse to acknowledge I have home owners insurance and requested to pay the taxes myself. I was never contracted to pay for their attorney 's fees as I paid for my own fighting with them and their repeated lies. Their unlawful demands are now hurting my credit. I owe {$190.00} on a home valued at approximately {$130.00}. And am ordered to pay the bank {$54000.00} cash when I turn XXXX years of age. I have been a XXXX for 32 years and am currently working for XXXX in XXXX, Pa.

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 2022-08-04
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
SCOTT & ASSOCIATES continue to harass and come and constantly have individuals come to my home on holidays, nights and multiple visits during the day. This is harassment and I have requested ALL COMMUNICATION BE DONE VIA MAIL. It does not make any sense for someone to come ring my doorbell while and impersonate as if they are delivering a package, I have had individual say they are from the courts only to be given a outdated document stating court for over a year ago. 

I DO NOT WANT ANYONE COMING TO DELIVER ANYTHING FROM THIS COMPANY THAT CAN BE SENT VIA MAIL. This is harassment and I want it to stop. I am gathering videos of each of these encounters that continue to happen after i have requested for it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Navient Solutions, LLC.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Pioneer Credit Recovery is Cursing me out hanging up in my face there not willing to negotiate at All. They are not even giving Tax payers a Chance to pay back on the Loans. I 've attempted to send them payments they will not except what I can afford to send them to pay off the loan. Pioneer Credit Recovery is the worst government collection agency collecting revenue for the United States of America. They continue to attempt to Garnish funds form my Job event after I have attempted to pay them and make Payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2015-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I received a letter from XXXX with a debit card of {$50.00} representing a rebate because of prior repairs made to my XXXX Ford Taurus. The letter stated that if I did not want the debit card I could call XXXX to request a check of {$50.00} and cancel the debit card issued by the Bank of America. I paid for the Ford repairs in US legal tender and since I am entitled to a rebate I want my rebate in US legal tender and not in the form of a debit card issued by the Bank of America. I called in XXXX XXXX and cancelled the card and the customer representative from the Bank of America said that I would have the {$50.00} refund check in XXXX days. In the meantime the debit card was cancelled. I have not received the check and it has been 4 months and I have made numerous inquiries with the Bank of America and each time they say the check will be in the mail within 7-11 days. My XXXX communication was on XXXX XXXX, XXXX and the supervisor, whose XXXX name was XXXX promised that a check would be in the mail within 11 days. The check has not been received. I want my {$50.00} check in lieu of the debit card which was cancelled. I am tired of making telephone calls and being ignored. The number of the original debit card which was cancelled is XXXX expiration XXXX ccv XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
TO WHOM it may concern : I am filing this complaint because ocwen my loan servicer for XXXX had approved me for loan modification I did not receive any paperwork.I then had to resubmit to them. 
have been waiting over a month to hear anything other then they are still looking at it I started this process in XXXX of 2015 with the help of law firm. 
the reason for my hardship is separation from my wife. 
I work in the construction field so I have a slow season. 
with work getting ready to pick back up I was hoping to be around the house when they make a NEW DECISION but since I was approved I was wondering why this has to be drug out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX XXXX. I am an XXXX military XXXX. In XX/XX/XXXX, while I was stationed at XXXX XXXX XXXX XXXX, XXXX, XXXX, I purchased my first home in my career. It was financed by Country Wide Home Loan, which was later taken over by Bank of America. Everything was going fine and I had no issues with monthly mortgages until I was notified I will be reassigned to Overseas military base in XXXX in XX/XX/XXXX. I was n't expecting to move so quickly after I purchased my first home, but military needed a person who spoke Fluent XXXX Language at XXXX XXXX XXXX, and I was selected to go. I tried for 6 months to sell the house, but could n't find a buyer. I was willing to take $ XXXX loss, but still did n't get any offer. As soon as I arrived in XXXX, I lost my XXXX allowance because I had to live on base housing. Since I no longer was receiving monthly housing allowance, I asked Country wide and Bank of America to refinance my loan. I just could n't pay {$2300.00} monthly mortgages when XXXX allowance was stopped and requested Country Wideif I could pay {$1500.00} dollars monthly instead. My offer was rejected. Within 20 months my house was foreclosed XX/XX/XXXX. My questions to CFPB is : Are there military clauses which should have protected me when reassigned to XXXX military installations. Also is there any way to verify Country Wide and Bank of America Foreclosed my home properly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Ive been homeless in a shelter in XXXX for the last 2 years but my report says a mortgage leoan is out in my name as of XXXX XXXX and a bank card is out in my name as of XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am having and still is having issue with the XXXX Credit Bureau for the last two years. I have been told that I have to provide information in order to Requested my credit reports and all I get is nothing. I have sent Experian XXXX the information that was requested in order for me to receive my free annual credit report and I have yet to receive my credit reports from either XXXX of theses agencies. I feel like some XXXX with in these agencies are monitoring my credit report. I also believe that XXXX, Experian and XXXX has been issuing my credit report to somebody else other then me I also have belief that my information is being sold through XXXX and Experian there is no reason why I am being Deny my rights to my free credit report every year. I feel like my EUAL RIGHTS ARE BE VIOLATED AND I PLAN TO TAKE THIS AS FAR as I can I also believe that these company in General has share my information with my employer and several others with out my permission. every time I request my report they come up with that same line that I did n't provide enough information well how much is enough. I had enough!!!! I feel like your company is challenging me to legal battle see I only see what I think you are doing and I am aware as long as negative marks remain you are less likely to obtain fair market rates also I understand you carless because its big business for the Credit Bureau to deny you a report then because you need it you will pay for it is the thought I believe

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 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have submitted dispute letters and i have yet to receive anything about my results. I feel there has more then enough time to send me my results.

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 2016-08-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been dispute the negative accounts on my report over the past year with the credit bureaus. The information is continuously coming back as verified. I have asked about their verification or investigation process as well as proof of verification and yet I have n't received any information regarding this.

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 2020-08-18
Company: Experian Information Solutions Inc.
State: CA
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:
I have submitted dispute letters and i have yet to receive anything about my results. I feel there has more then enough time to send me my results.

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 2015-04-27
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Since. I paid {$1.00} to view Credit history on trial and Experian charged me {$24.00} and I can not access account called and I 've talked to the Rep said will send me an temporary password to access but I never gets it and never have a chance to view a Credit report! 
I felt Totally cheated and scam! I already read carefully a about " Review Experian " should learned from customer with ton of complained about it!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
My daughter signed up on-line with Experian to look at her credit score. I gave her permission to use my credit card for the {$1.00} fee. The credit score was available for 7 days, however, if she did not call to cancel, you would then be automatically signed up for monthly monitoring at a cost of {$21.00}. I saw that charge on my credit card statement and thought it was just for the original credit score look-up. When I saw another charge the next month, I called immediately. Experian said that she did not contact them to cancel, so I was billed. Experian agreed to cancel the service and refund as a courtesy the second charge. They refused to refund the first month charge. I asked them to send me copies of exactly my daughter signed up for and copies of the terms and conditions. Experian said that they could not provide me with any printed documentation of what my daughter signed up for on line and could not provide me with any documentation of the terms and conditions when my daughter signed up.

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 2020-08-18
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Continues to call me even though debt was erased from report knowing they cant legally collect on debt due to wrong information. They call me 8 times a day and sometimes after XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-10
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian received my dispute request on XX/XX/2016, this is regarding the inaccurate reporting on XXXX XXXX accounts. I requested that Experian send me verifiable proof ( an original consumer contract with my signature on it ). According to the FCRA Section 609 ( A ) ( 1 ) ( A ), Experian is required by federal law to verify, through the physical verification of the original signed consumer contract any and all accounts Experian posts on a credit report. I received report number XXXX Dated XX/XX/2016, stating this would be completed by XX/XX/2016. I still have not received verifiable proof of my signature form Experian. 
Since they can not verify this debt, and did not verify within the required time frame, I am requesting they remove the items from my credit report immediately. If not completed I will be forced to take Experian & XXXX to small claims court. 
I have included the letter I have sent by certified mail, tracking number XXXX Experian had 30 days to respond and failed to respond to me with the information I requested by XX/XX/2016, I am requesting the items are removed from my report immediately.

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