BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have sent letters to the credit bureaus, called Tham and dispute account and inquiries, they continue saying that they are verified. However, as per the Credit Report Act, the bureaus have not provided any proof of verification, and continue to report unverified and false information in my report which is hindering my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Navient Solutions, LLC.
State: WI
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:
We received a notice via email this morning that our terms had been changed for us from a payment of {$110.00} to {$780.00} /month. No previous correspondence had been received via mail or email. The Navient customer service was unhelpful in providing a reasonable resolution that would make this oppressive payment something my family could afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: Navient Solutions, LLC.
State: VA
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 went to XXXX school at XXXX XXXX College XXXX XXXX in XXXX from XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX/Navient 's ( SMN ) deceptive practices over the course of last 8 years has left me in a crippling position with respect to my loans, private and Federal. The total original principal amount was {$200000.00} XXXX XXXX - {$96000.00} ; private - {$100000.00} ). For three years after law school, I was either underemployed or unemployed due to the market crash. Since 2011, I have made approximately {$63000.00} in payments toward my student loans. XXXX strong-armed me into recklessly prioritizing my private loans over my Federal loans. My current indebtedness is approximately {$420000.00} ( Federal - {$250000.00} ; private - {$160000.00} XXXX. 

For five years, I have been asking for a way to permanently reduce my interest rates. My XXXX private loans have rates that range from 8 % ( XXXX loan ) to 10 % ( XXXX loans ). Each year, XXXX enrolled me into a Rate Reduction Program that was initially sold to me as a way to permanently reduce my rates. Yet, every year I am told that I have to re-enroll for another year in order to qualify for a permanent reduction. In XXXX, I was re-enrolled and payments were set at approximately {$1000.00} ; this is in addition to the {$1000.00} payments to XXXX for my consolidated Federal loan debt at 7 % interest. In XXXX, I was told I had been rejected from the Rate Reduction program, that my monthly payments were {$1700.00} and I had to re-apply by submitting three months worth of bank statements ( and had to include 3 months of my sister 's bank statements because she had co-signed one of the loans ). I asked for something in writing explaining the application process and the Rate Reduction Program. I told the XXXX rep that bank statements seem awfully invasive. He threatened to write in his call notes that I was being uncooperative and had voluntarily rejected applying for the program. He also said that they were not allowed to share any written details of the program or the process by which they calculated enrollment/payments. 

I 'm completely at a loss at what I 'm supposed to do. My Federal loans skyrocketed because of the advice I took from XXXX five years ago. I have no hope for a future that is n't filled with crippling debt. I 'm XXXX years old. I have no family, social life, health issues due to stress, and no way out. I do n't want this to be the rest of my life. I do n't want to die alone. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
On my reports there is a closed account with huge amount of missed payments. THD/CBNA XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA THD/CBNA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2016 I received a refund check from my insurance company, XXXX. When I called them, they told me that my home owner 's policy had been canceled. A new policy had been issued, but was not paid for. 
I went to a local Bank Of America office on XX/XX/2016, from whom I have my mortgage. They repeatedly told me that BoA could not have canceled the policy. They also told me they had paid for the policy, twice, in XX/XX/XXXX. After much repetition, BoA acknowledged that they had altered my policy without my permission, to change the deductible for wind damage from XXXX % to XXXX %. They also reduced my coverage for personal property loss. 
According to XXXX, BoA called at least 4 times from XXXX XXXX. There were no specific notes on any of these calls. The cancellation and reissue were handled at the XXXX office, not my agent, but the policy was given a new agency code, still with my previous agent XXXX XXXX XXXX of XXXX, DE. 
I believe that neither party should have altered my policy ( paid for with my money ) without my knowledge and approval. No one can explain why they were able to or justified in doing so. 
I am enclosing a copy of the new policy, which I received only because I asked for it today, which includes the details of the agent, the issuer, and the mortgage holder. 
I wish both parties to refrain from altering my policy without my knowledge and permission.

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 2015-10-06
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
NAVIENT has contacted me via mail, telephone and email ( somehow they have reached out to me and my co-borrower via e-mail, though I have never provided them with this information ) about XXXX private student loan disbursements that I have no record or knowledge of ever obtaining. I have since fallen past due on amounts for both of these loans and when I called NAVIENT to seek an economic hardship forbearance and/or deferment of any sort, they told me that they required a significant payment in order to process any kind of deferment or forbearance. I am attempting to research these XXXX loan disbursements, but I wanted to have a forbearance granted in the meantime while I figured out what exactly these accounts pertained to. NAVIENT refuses to work with me in any way, shape or form, and they seem determined to ruin my credit over unverified debts in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was never told about any options due to student loan forgiveness programs or income driven repayment. I was told to keep applying for forbearance and deferments. My loans are in default and i can not afford the payments with all the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: IL
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation 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 2021-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Several months ago Capital One sent me a letter saying they were closing my account because I had not used it in 24 months. I owe no money - I always pay my cards off each month. I asked if I could go use it and keep the account and they said no. I got the card for travel and have not traveled in a while. Now I keep getting statements from them ( somehow, they owe me {$0.00} ). I called to completely delete my account and erase all my personal and financial information with the company. I spoke to XXXX, ID XXXX associated with their customer service number of XXXX. The phone connection was horrible ( I was using a land line so it was not me ) and I could not understand much of what she said, but the gist is that I can " change my preferences '', but can not delete my personal information. I do not, and do not wish to have an account with them. I do not want them to retain information about me, because I do not have an account with them. I want them to delete my account fully and delete any personal or financial information about me that they have. Why can't they do that? I can only tell you the last 4 digits of my account ( XXXX ) because I cut up and threw away my card months ago, and these statements I keep getting have only the last 4 digits. It strikes me as very wrong that this company can keep personal and financial information about me when I have no association with them. It is not right!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX. I am a retired XXXX. For the past six years I have applied for loans from Bank Of America and XXXX XXXX. to secure financing for XXXX XXXX to help with the Affordable Care Act.Both banks denied the loans. XXXX XXXX 2015 I filed suit against the Bank Of America for inaccurte information they reported to the Credit Bureaus. This discriminatory act violates the Equal Credit Opportunity Act negatively impacting my business plans and giving less access to financing.. The Bank Of America put a lien, a subordinate loan on my property preventing me from using the equity in my home for a loan. I need immediate help and your assistance would be greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: Navient Solutions, LLC.
State: MN
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 keep getting harassed at my work of employment by Navient Solution student loans. My manager has spoke to them and stated not to call at my place of employment. That we do not take personal calls at work and to call my personal number. They still keep calling and bothering me. It is to the point that my job is on the line because of all the harassment that my company is looking to let me go. Please help. I am a service member and under SCRA I have been done wrong. Not only have they been adding interest, I was not promised my 6 % APR for my finance. This is just wrong and they wo n't stop to the point that it is ruining my credit. This is a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America is in the process of modifying my mortgage. Bank of America has misled me by charging me for services never performed. The charges make my true payoff significantly different than the true balance.

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 2021-02-15
Company: FORD MOTOR CREDIT CO.
State: NJ
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:
Despite my three written requests, the unverified items still remain on my credit report in violation of Federal law. In the results of your investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? How did they verify them? You still have not provided me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. You have yet to provide me with any original consumer transaction documentation with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
trying to remove these accounts  XXXX , from  XXXX , equifax, and  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
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 XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1400.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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
Consumer complaint received 2017-03-30
Company: The CBE Group, Inc.
State: MI
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom It May Concern : I had taken out two ( 2 ) Parent Loans for my son when he attended XXXX University. He left college and the loan payments came due at a time I was dealing with debt left by a divorce. Rather than file bankruptcy I opted to settle with all creditors except for the parent loans. As time went by they did start a garnishment XX/XX/XXXX. 
My employer has deducted {$190.00} every two ( 2 ) weeks beginning XX/XX/XXXX per the United States Government Wage Garnishment Order ( XXXX ) in the amount of {$20000.00}. 
I contacted the Creditor Agency ( CBE ) last week to confirm the date I thought this should be paid in full ( approx XX/XX/XXXX ). I was told I still had {$5500.00} plus to pay and interest accrues daily. At that time I requested a transaction history on the collection of my two ( 2 ) accounts. 

I received their transaction history report that carries NO BALANCES. I received the payment history from my employer that carries remaining balance after every payment. I created a spreadsheet using BOTH CBE and my employer. 

First, the garnishment order of {$20000.00} consists of : 2 parent loans totaling {$14000.00}, Interest due of {$1900.00} and CBE Fees and Costs of {$3900.00}. 

Secondly, in addition to CBE 's fees/cost of {$3900.00} INCLUDED in the garnishment, they have collected ADDITIONAL fees of {$37.00} every two ( 2 ) weeks processing payments received as follows : XX/XX/XXXX - {$410.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$970.00} XX/XX/XXXX - {$220.00} ( as of XX/XX/XXXX payment processed of XX/XX/XXXX payroll deduction - Why does it take so long for them to process? ) The collection company is receiving over half the cost of the original debt IN FEES to collect the debt. It 's a wonder anyone goes to college or that parents take out these loans not knowing what the future holds financially for them. 

Both myself and my employer have a total balance left on my garnishment of {$1700.00} per the payroll deduction of XX/XX/XXXX ( which CBE processed XX/XX/XXXX per their transaction history report ). CBE verbally told me I had a {$5500.00} plus balance as of XX/XX/XXXX. 

Finally, How can a wage garnishment order that is almost fulfilled have a balance that can keep growing seemingly never to end? 
Where are the checks and balances for the consumer or in this case debtor? Is n't a garnishment order for a specified amount only as listed in black and white on mine?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
The three main issues : ( 1 ) Mortgage payments for an ( 80/20 ) loan taken out in 2006 do not appear to have been applied properly to the mortgage. 
( 2 ) XXXX issued an 80/20 mortgage and communicated they would aggregate the monthly payment into " XXXX '' payment request to us, and they would allocate across the XXXX loans. It appears that never happened as the 2nd mortgage looks like it never received a payment. 
( 3 ) Post a serious delinquency during the financial crisis, we reinstated the loan thinking we were obviously reinstating both loans ( 80 / 20 ). We have since learned only the first mortgage was reinstated, the 2nd charged off, the balance on the first has only dropped by {$10000.00} over the past 10 years although we have made over {$100000.00} in payments to the various mortgage companies & banks that have owned our loans, and the balance for the 2nd is reporting the same as the original 2nd loan amount. 

Please note : These loans were with XXXX XXXX, then both went to Bank of America, then to XXXX mortgage. Currently the 1st mortgage is with XXXX and XXXX placed the 2nd mortgage with another company. We did not have the original mortgage documents but were able to provide documents from the courts to substantiate the loans which includes the lenders name, loan number, and dates. We have also provided a copy of the credit report which shows the balances quoted in this complaint.

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 2021-02-15
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfers
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I recently ( today ) had to make an online transfer from myBank of America account to a International German account. 
I always relied on good service and integrity of the bank buttoday just really made me very upset. I checked the nationalexchange rate for XXXX euros and its XXXX dollars. I checkedseveral other currency exchange online and they all say onon or about XXXX dollars. I made a XXXX euro transaction andBank of America says it is XXXX dollars. " Their '' currencyexchange is really XXXX dollars more?? It is honestly pathetic. 
I did not looked at this before, I did not know this was thetype of services I was getting provided. It is unfair for thepeople whomake an honest living getting cheated this way.

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