BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-03
Company: NAVY FEDERAL CREDIT UNION
State: NY
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:
I am consumer writing this without the assistance of any third party. This is my understanding and account of the instrument attached in this complaint with the Bureau. Promissory Notes are negotiable instruments according to UCC 3-104 ( b ). 

Navy Federal Credit Union, who in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis, helped me finance a credit sale. The took place XX/XX/2021 I was given a purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who in this case is NAVY FEDERAL NFCU. 

Attached is my consumer credit contract. This instrument which evidences or embodies a debt arising from a Purchase XXXX XXXX transaction or a financed sale. '' This instrument was electronically signed by me the consumer on behalf of an individual. 

Pursuant to 16 CFR 433.2, It is unfair and deceptive for NAVY FEDERAL NFCU to directly or indirectly take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

In careful review of the instrument, this notice was absent, willfully. This means this is unlawful pursuant to 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 

Pursuant to 16 CFR 433.3, this contract cuts off my right to assert my claims and defenses because it did not include 16 CFR 433.2 which is unlawful. This is not my obligation. In addition, I did not know it was possible to pay on a positive balance which is what NAVY FEDERAL NFCU mislead me into doing. 

All Consumer Reporting Agencies claimed this has been verified by NAVY FEDERAL NFCU however, I am requesting a complete and accurate disclosure of the nature and scope of the investigation. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. This is pursuant to 15 U.S. Code 1681d - Disclosure of investigative consumer reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Midland Funding is the largest junk debit buyer in the country and purchased a presumed debt. With only a single computer generated document, this company filed a lawsuit against me in Magistrate Court. There was no proof of debt, no signed credit card agreement copy, no application copy with terms of interest and fees, no 12 month period payment history. On the only single document presented, there was an amount of {$430.00} for fees with no determination or detail of how these fees were determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have repeatedly disputed an account listed on my credit report as not being my account. After submitting numerous requests to XXXX XXXX for validation of the debt without response, I disputed the account with Experian. Experian supposedly investigated it and came back and said that proper validation was provided to them. I have requested a description of how the investigation was conducted along with the business name, address and telephone number of the source of information. I have requested this information more than once and they will not provide it. Experian is bonded by the State of Texas and they are required to remove any and all invalidated debts. They are refusing to do so and are refusing to provided the written documentation showing this debt has been properly validated. They are violating my rights and I will not allow it to continue. Do your job and remove this invalidated debt. YOU ARE REQUIRED UNDER THE LAW TO DO SO. In fact, XXXX XXXX has now closed this account because they recognize they can not validate it. Obviously, Experian is not doing their job and has not been able to validate the debt. This is not my debt and must be removed. I asked to see said documentation containing my signature since I would have had to sign a lease ( this is a collection account for an apartment complex ). I did not enter into any lease agreement with that apartment complex. HOW CAN IT BE VALIDATED IF YOU HAVE NO DOCUMENTATION CONTAINING MY SIGNATURE?? Experian will not remove this account even though it has not been able to properly validate it as being my debt. My next step will be file a complaint with the Federal Trade Commission regarding Experian 's unethical and improper reporting activities. Thank you.

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 2017-01-20
Company: Navient Solutions, LLC.
State: AZ
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 tried to pay my student loan off faster and applied money to XXXX of the loans. The money was reversed and applied to both loans. A navient customer service rep advised me the federal govt has regulations in which they must adhere too. And they would not reverse any pmts for these reason. They also extended the length of my loans with new pmt amounts again following government regulations. When I complained I received a nasty letter from indicating I was informed of theses regulations but could not do anything about it because they were only following what the federal govt had given them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
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:
In XXXX 2015 I contacted Navient to set up a reduced Payment plan for my monthly payments. The representative at the time was setting it up for 6 months to bring the account current and then the next 6 months to be paid on time. I had started receiving phone calls in XXXX informing me that I am $ XXXX passed due. I informed that I had a payment plan set up and should n't be passed due. After they investigated they told me that the representative back in XXXX did n't calculate the payments correctly. I had asked for them to correct it to show it not passed due, due to the fact that they had messed it up. They told they would not and that and can only bring the account current if I made the pass due Payment which was n't my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I recently pulled an Employment Data Report which indicates XXXX XXXX has reviewed my information monthly for the past year. 

The information on the report and the information I have reviewed on XXXX XXXX do not match. The company is not utilizing my information correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Countrywide used a bait and switch at the time of the Mortgage signing and split the loan into XXXX loans. Countrywide went out of business partially because of their illegal practices. Bank of America took over the XXXX loans and they are calling the smaller loan an EQUITY LOAN. It is not an Equity loan and never was. After four years of disputing - what they call an equity loan - they finally Modified the loan with the same terms of teh original illegal loan. How is this legal? Because they are calling it an equity loan, they will not modify it the same way the modified the first loan. Bank of America is using the illegal terms of the COUNTYWIDE LOAN to make us pay all the interest they caused by delaying the modification for four years.

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 2016-08-03
Company: Navient Solutions, LLC.
State: CA
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:
Loan Original Disbursement - {$21000.00} - Payments made towards Loan - {$14000.00} This loan has been on repayment and throughout time I have paid off {$14000.00}. However I still have an unpaid principal amount of {$32000.00}. The interest rate, fees and terms seem to be a scam. My remaining balance after interest should be hovering around $ XXXX instead it is nearly {$33000.00}. The loan is making around {$25000.00} if I pay off the loans currently OR if I continue to pay off the loans the company is making nearly {$36000.00} off of a {$21000.00} original disbursement. This is disheartening as the {$14000.00} payments that have been made seem to have gone no where except to a entities pocket. Please inform me what can be done to bring my remaining balance to a manageable number as I have nearly payed off the original disbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Mutual Management Services LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX - XXXX {$920.00} XXXX Apartments XXXX XXXX XXXX. XXXX Ga XXXX action was taken 5 years ago because of a break in and entry by some so called maintenance department, sheriff 's department was called. 

XXXX - XXXX XXXX XXXX team XXXX still charging me for rent after lease expired in XXXX to this very day. offices located in florida and here in XXXX georgia. 
sent to collection agency Mutual Management without asking for dispute information or contacting me about collection agency at that time. with out my permission. 

The XXXX apartments XXXX XXXX XXXX. XX/XX/XXXX Ga XXXX ( XXXX ) XXXX charged me {$150.00} to collection agency XXXXXX/XX/XXXXXXXX in XXXX Florida for a rental unit I never rented or left a deposit or filled out an application to move in?., FRAUD!!! 
year XXXX. 
XX/XX/XXXX XXXX XXXX XXXX Georgia has over charged me for a room for carpet cleaning and repairs that were never there the room was not carpeted or damaged sent to another collection agency for rental history and i can prove my room did not need cleaning carpet and repairs at that time in XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My daughter and I tried to buy a XXXX puppy from XXXX XXXX XXXX, we agreed to a price of {$810.00} including shipping. We each sent {$400.00} via Zelle to XXXX. Upon getting the money, we were sent an email from XXXX asking for an additional {$1500.00}. We immediately asked for a refund of our money and that we were not interested in completing the transaction. We have not gotten our refund yet. 
The transaction occurred on XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/XXXX, each major credit bureau ( Transunion, XXXX, XXXX ) were sent dispute letters via certified USPS mail regarding specific inaccuracies on my credit reports which are heavily restricting my ability to obtain credit and to increase my credit score overall ( letters attached ). 
On XX/XX/XXXX, each major bureau was informed via certified USPS mail that they have violated federal law by not responding or removing these inaccuracies within the allotted 30-day period. So, by federal law, they must comply and remove these inaccuracies on my credit report. 
Attached to this complaint are my initial letters sent in XX/XX/XXXX and my request to remove letters sent in XX/XX/XXXX. 
Each letter has USPS certified mail info attached as well.

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 2021-06-30
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-27
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Everyday I get numerous phone calls from Navient to collect on my loan. It normally begins at XXXX, sometimes as early as XXXX, and sometimes they like to wait a little after XXXX and right before XXXX. It 's a daily occurrence, they also call me during work, which I have stated to them before is not allowed according to the rules of the company I work for. Yet they continue to do so, using many different phone numbers from all over the country. I refuse to pay my loans when they refuse to show me respect and wake me up hours before I need to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In late XX/XX/2020 I lost my job and have been out of work since due to Covid-19, I was unbale to make a payment for XX/XX/2020. I have spoken to a few agents since XX/XX/2020 an agent explained that they are able to defer 3 payments to assist with the loss of income I even received a letter explaining such said agreement therefore I was under the impression that my account will go to normal and late payments will be removed. Moving forward to XX/XX/2020 I call to make sure everything was squared away at this point an agent advised that in fact I did not qualify for this program and that I must make a payment for XXXX XXXX if not they will once report to my credit. Knowing that I am without work and I have been experiencing hardship. I immediately made these payments to make sure that this will not keep affecting my credit. 

My overall credit history is excellent, and this has a negative impact on that. Since these notations do not reflect my overall credit worthiness, I've have sent 3 fax and one mailed letter kindly requesting that they give me a second chance at a positive credit rating by revising the XXXX late notation and adjusting these with the Credit Reporting Agencies. And not once has Td auto contacted me. 

Please let me know if any additional documentation would assist you in reaching a positive outcome, and I thank you for the time you have spent reviewing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This complaint is about a checking account in Suntrust bank ... ... On XXXX/XXXX/2017 I deposited a personal check from my brother in law for the amount of {$1200.00}. 
{$510.00} of that money was available in my account on Tue XXXX/XXXX/2017 morning. So I registered my car in the state ( I just moved from another state ) paid {$250.00}, paid my water bill {$65.00}, made a purchase of {$31.00}, so when I went to check the balance in my checking account around XXXX because I was in the process of insuring my vehicle, my account was overdrawn for {$370.00}. The bank put a hold on the {$1200.00} deposit until XXXX/XXXX/2017 I 've called numerous of times I even went to talk to XXXX, GA XXXX. branch manager an no one can do anything. The check I deposited already cleared my brother in law 's account, he gave me the name and phone number from a representative of XXXX Bank ( bank where the check is drawn from ) so a representative can call her so she can corroborate the funds were already cleared. I 've tried to have someone from Suntrust call XXXX and my message never gets forwarded. All I get is " your deposit is being held and it will be available on XXXX/XXXX/2017 '' it looks like the bank refuses to help. Oh before I forget I do not have a dime on 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 2020-12-31
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our mortgage banker lied to us about processing times, and was shady about our interest rate. Dropping it a full 1 percent when we engaged with other lenders just ot keep us working with him.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: VIRTUOSO SOURCING GROUP, LLC.
State: NY
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:
A rep.at XXXX signed me up for a lease without my knowledge, I attempted to correct it from the time I recd the bill and they did not believe me, then the reps that would listen, kept telling me there was no such plan, over and over they declinded to understand what had happened, I had been wuth them for a few yrs, went in for my free phone upgrade, and the guy signed me up for something I did not ask for, it was the third bill that had finally told me the plan ... befire I knew it it was in collections, now im harrassed by them..XXXX did me wrong, and lost a loyal customer because of a crooked salesperson.

Company response to consumer: Closed
Consumer complaint received 2016-09-15
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am a parent looking at what my husband and son signed to borrow for college. By the time he is done with school, we probably will owe $ XXXX. For the XXXX loan, we will be owing 6.31 % and the fees are 4.276 %. If the money did n't come in on time for us to make the payment when the fees are due, we have an option to make 3 payments to the school, at the additional {$35.00} charge each time for a {$840.00} payment ( 4.13 % ). This case scenario, my husband and I will be owing 14.716 % on a $ XXXX loan. Please explain to me how 14.716 % is acceptable for a borrower with good credit who is just trying to help his kid out?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Doctor was aggressive in pursuit to get us to come to his office for his service, which is a diagnosis of XXXX, i.e., XXXX. Multiple persuasive phone calls. Over the phone assurance to reduce the bill after I advised that I am a single mom and not able to pay for this service. I finally caved and took my son to see XXXX XXXX / XXXX, FL. XXXX XXXX was not there for the appointment. Instead, we were surprised to be taken in by a Technician. My son was given a pill ( I believe XXXX ). We were strong armed into taking a test. This test was advertised as {$600.00} over the phone by XXXX XXXX. I was concerned and researched the doctor after the test finding multiple complaints about aggressive sales tactics ; inability to be reached or not being present at appointments ; as well as inflated billing and collection practices. I opted to cancel the follow up appointment with XXXX XXXX. Numerous sales calls by XXXX XXXX followed, advising me that my son had serious issues and problems and that I needed to address same. I did not make another appointment with this doctor. 

I was billed {$1500.00} against verbal {$600.00} price assurance over the phone. 

The bill, supposedly consists of {$600.00} test ; {$100.00} cancellation of supposed XXXX appointments ; and a {$450.00} deductible sum for what I am not certain of. 

This breakdown by the office secretary named XXXX still does not mount to {$1500.00} sent to collection. 

This doctor is unethical and as a single mother, I am not able to cover this amount. I do not want my son to be pushed on medicine. 

Having given my son a pill for testing without first advising me prior to the test and without a consultation prior to the test is absolutely incredible. 

To make things worse, XXXX XXXX office waited until my son turned XXXX years of age to turn this manufactured bill into a collection against my son 's credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation