BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am a veteran of the XXXX military and I have student debt mainly from XXXX. I read about the lawsuit between the XXXX XXXX XXXX XXXX and Navient and want to tell my story. I started repaying my student loans through XXXX when I graduated University in XX/XX/XXXX by auto-drafting from my bank account. I have never missed or been late on XXXX single payment and remain in good standing with my loans. In the summer of XX/XX/XXXX, Navient ( after XXXX split ) my loan service provider unexpectedly and without my consent changed my monthly payment amount and automatically had me pay a significantly lower monthly amount while simultaneously extending the payment term dates in order to generate more interest profits for the company. Once again they did this and did not disclose they had done so ; I reviewed my online account and noticed the change myself. Navient never sent me any request for this change. I contacted the company by telephone and asked them how they could possibly alter my payment agreement without my consent. They stated that they were trying to save me money by reducing my monthly payment. I explained that this would not save me money, but increase my interest payment by extending the term of my loans. I had them alter the payment back to the previous payment schedule with a slight increase in principle payment in order to close the loan out faster. I never received an amoritization schedule and do not know if the multiple changes performed to the account ever created any principal balance errors. This covert action has probably happened to millions of other student loans potentially generating millions if not billions of dollars for Navient, who is supposed to simply service our loans to the contracts subscribed. At this point I had been paying my loans for XXXX years when they attempted to cheat me. They may have even cheated me previously under XXXX and I may not be aware. Need to watch this company like a hawk as they have no moral compass. Please contact me if you would like to speak or include this information in the lawsuitXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Explanation of item being disputed : XXXX has reported incorrect information on my credit report. XXXX has listed that I was 90 days late on XXXX of XXXX, then they listed 120 days late on XXXX and XXXX of XXXX. If you take a look at my payment history you can clearly see that I made good payments in XXXX, XXXX and XXXX so how is it possible to be 90 days late in XXXX when I just made good payments the month before. Being that this information provided by XXXX is inaccurate I want to request that this file be deleted for my report. 
XXXX has also posted these inaccurate late payments in 3 different file what there is only supposed to be listed under one file. I request that all 3 file be deleted from my reported as listed in the follow suit policy. 

ATTACHED IS A COPY of the request for deletion from XXXX BUT non of the reporting agencies have deleted it from their files

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 2016-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
The flight attendants on several of my XXXX XXXX flights got on the intercom and advertised that I would get a free ticket and extra miles for signing up for the XXXX XXXX / Bank of America credit card if I submitted my application while I was on the flight. I filled out the application and handed it to the flight attendant. The credit card I received in the mail was different than the XXXX advertised. What they did n't tell you on the flight is that they have XXXX classes of credit cards, and only XXXX of them has the benefits they advertise. I got the one without the free ticket. I also never got the extra miles that were promised for signing up on the spot. Once I realized I 'd just experienced a classic bait and switch, I refused to activate the card. I also called and cancelled the account. The customer service rep. told me that the annual fee would be waived. A couple weeks later, I received a bill for {$50.00} for the fee that had allegedly been waived. All in, it took three calls to customer service for the account to be closed and the fee to be waived. I love Alaska XXXX. It 's unfortunate they are pitching awesome benefits with no qualification and then delivering something else. The last customer service rep. mentioned that he had heard this complaint XXXX times. At best this appears to be ignorant flight attendants, but it feels much more like deceit.

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 2017-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My case is about a withdrawal of cash from an ATM, the ATM only gave me the receipt of the transaction but NOT the money, this happened for 2 consecutive days, the bank approved the transactions and they took the money Of my checking 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 2015-09-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I recently tried to refinance my home and XXXX open collections showed up on my credit report from Equifax. XXXX was for XXXX and the other for XXXX ( for XXXX ). I filed for Ch XXXX bankruptcy is 2009 and XXXX was included. When I saw this on my cr rpt I called XXXX and they said it was sent to collections post bankruptcy by mistake. They apologized and called the Collection Co. and reqt 'd they reporting it as a collection and close the account. I reqt 'd the Cr Bureaus to notified. But Equifax , et al, are still reporting it as a Collection but adding a note discharged under bankrutpcy. The XXXX acct was never in collections prior to the bankruptcy. It should be removed from the Collections section of my report. I have, in writing via em, from XXXX that this is the case, see attached. The second collection item from XXXX now shows paid in full, again it should never have been in collections. I have XXXX and XXXX XXXX. XXXX GA Med'l Ctr never billed my supplemental. I paid my co-pays and XXXX paid XXXX % of discounted fee, the remainder should have been sent to XXXX carrier, which was not done. I contacted to CEO office of XXXX GA and informed them of the open collection from XXXX whom XXXX GA employs as their collection agency. XXXX was ordered to show the accounts paid in full and to have them removed from collections. The accounts now show a zero balance but are still shown as collections. I have repeatedy ask Equifax & others to correct this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
BACK IN XXXX OF THIS YEAR ( 2021 XXXX WHEN I CHECK MY CREDIT REPORT XXXX  MONTHS AGO I NOTICE THAT THERE WAS ALOT OF HARD INQURIES FROM COMPANIES I NEVER GAVE MY PERMISSION TO RUN MY CREDIT. I HAD WRITTEN TO ALL XXXX CREDIT COMAPNIES AND PLACED A CREDIT FREEZE ON MY REPORT AS WELL. WITH NO LUCK, NONE OF THE CREDIT COMPANIES REMOVED ANYTHING. 
I HAVE BEEN WRITING BACK AND FORTH TO THEM AND STILL NO LUCK. BECAUSE OF THIS MY GOOD CREDIT HAD DROP AND I AM NOW NOT ABLE TO GET A HOME LOAN. I AHD GAVE ALL XXXX CREDIT COMPANIES DOCUMENTS SHOWING I DID NOT GIVE MY PERMISSION AND I ALSO HAVE AN I.D . THEFT ALERT ON MY CREDIT FILE FOR ALL XXXX COMPANIES. I DO NOT KNOW WHAT ELSE TO DO, CAN YOU PLEASE HELP ME OUT ....

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
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: Information belongs to someone else

Complaint:
I dont have any knowledge about the accounts stated below.My personal information has been compromised. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX ( Original Creditor : XXXX XXXX OF XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX ( Original Creditor : XXXX XXXX OF XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Convergent Resources, Inc.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I sought to establish internet service in XXXX, RI with XXXX XXXX. The service was to provide high speed internet, but upon installation was often only providing 1-2 Mbps as measured by my speed tests. This connection speed is not fast enough for even modest internet usage let alone to stream a program or otherwise effectively use the XXXX. The problem was confirmed by innumerable XXXX technicians over the next year. There were at least half a dozen technician appointments which included checking termination of cables and even changing the cable on the electric pole by XXXX XXXX. In providing access for technicians at these many appointments I often took time off work. Despite their best efforts, the technicians never were able to resolve the issue at this location and explained that the XXXX infrastructure would simply not work to provide internet effectively as currently cabled in this location. Yet I was being charged upwards of $ XXXX for high speed internet with cable. During my time there I paid XXXX over XXXX XXXX dollars for services that were never fully provided as promised. Upon receiving a final bill, I sent a letter to XXXX XXXX department to notify them that I was in fact owed a refund for the services I paid for but did not receive. This letter was sent by certified mail on XX/XX/XXXX. 
XXXX XXXX has now in XX/XX/XXXX caused a collection agency to make a report of unpaid debt in the amount of {$77.00} to the credit agencies thus lowering my credit rating from 830+ by 100 points and thus disqualifying me for a loan from the lender with whom I was working. 
I believe that this action is egregious and has caused me significant monetary damages. I would like this credit damaging report to be retracted at once.

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 2022-04-14
Company: Minto Financial dba Minto Money
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a quick payday loan for {$1200.00} to have it paid off they are charging 642.59 % APR. Which I feel is an unfair rate for such a small loan. i can pay off the XXXX but do not wan na pay over XXXX XXXX dollars interest

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: IN
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-16
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I called Rash Curtis & Associates and they advised me that I owed nearly {$9000.00} in medical debt and they agreed to settle with me for {$5500.00}. They said by paying this, I would be completely cleared and no longer have a balance. When I called, I provided them with my previous married name, XXXX XXXX XXXX and my current ( Maiden Name ) XXXX XXXX XXXX and provided them with my Social Security. My Credit Report began to show them as Paid/Settled except for a handful of accounts. I called them again on XX/XX/XXXX and was once again assured that my account was settled. I filed a dispute with the Credit Bureaus and they were told by Rash Curtis & Associates that I still owed a balance. I called Rash Curtis XX/XX/XXXX and they advised I still owed a balance of {$700.00}. I feel they baited me into settling for a large lump sum and are now trying to take advantage of me by asking for more money, after assuring me that I was completely settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX, equifax, XX/XX/XXXXrefuse to correct info on my report even though it is paid in full. I have email confirmation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: WI
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX account XXXX opened on XX/XX/XXXX is still showing on Experian with late payments. I have opened disputes with documents showing that the last payment made on this account was XXXX of XXXX. When disputed, XXXX XXXX XXXX changed the date to XX/XX/XXXX so it has not been removed by the federally mandated removal of late payments after seven years. You can even see in the reporting the last payment was in XXXX. XXXX XXXX XXXX is playing illegal games by changing the information as Delinquency First Reported to XX/XX/XXXX. Remove this account immediately as it is in violation of the FCRA. It fell off my XXXX and XXXX last year at the right time.

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 2021-08-31
Company: EQUIFAX, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the Metro 2 Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I discontinued insurance with XXXX XXXX and ended my policy. I was told by XXXX XXXX that the policy amount was prorated due to the XXXX and circumstances involved with XXXX and not driving and I paid for the amount of service i retained before cancelling. Due to serious XXXX related instances I was not able to drive. My family is still feeling the effects. I told this XXXX  company that this was settled and please stop sending harassing letters because I don't owe XXXX XXXX. All they sent me for validation and verification was a XXXX page bill. I asked for them to send me documents with the vehicles involved, even though I lost my vehicles, and the dates of the kind of insurance that was not claimed to be settled. Company has not responded to the requests I have made for proof and I would ask please to close and remove from my credit reports. After all that I have had to deal with during the past XXXX years, it is disheartening to have to go through this. I have no accounts with XXXX and please show me documents or policies I signed that claim I do. I also contacted the XXXX credit bureaus for a dispute investigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America sold my VA Home Loan to XXXX. The official loan transfer date was XXXX XXXX, 2015. Bank of America failed to pay city taxes to the town of XXXX, CT in the amount of {$2000.00} by the due date of XXXX XXXX, 2015. Consequentially the town charged an interest penalty. Bank of America refused to pay the {$62.00} payment. 

I spoke with XXXX from the Bank of America tax department at XXXX extension # XXXX. He was unable to help me and said XXXX XXXX should pay even though the official transfer date took place after the payment was due. 

I just got off the phone with XXXX and they said they have paid the payment out of my escrow account and have paid the interest penalty from lender funds not my escrow account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Residential Credit Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX and I work for XXXX XXXX XXXX. My clients XXXX and XXXX XXXX have been working with XXXX to complete a Modification on their home .... XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The loan was sold to XXXX, XXXX and they retained my services to do a short sale. I placed the home on the market for over asking price per comps and it sold in a week for full price of {$400000.00}. The buyer is putting down $ XXXX and has a solid loan. I called XXXX to confirm a short sale approval and they advised they could not short sale the home, they said the sale date is XXXX and the only way to get the sale date postponed would be to have the XXXX XXXX XXXX XXXX approve it. XXXX said that is wrong and the owner of the loan has to approve the postponement and the short sale. Now XXXX is telling me I need to talk to the owner of the loan and XXXX XXXX XXXX is telling me they sold it to XXXX. I have a full copy of all paperwork regarding what I am trying to do. I specialize in Short sales and this seems to be a huge run around. XXXX myself and the owners are getting no where and the time is counting down to the Forclosure sale date on this property. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX, transunion refuse to correct info on my report even though it is paid in full. I have email confirmation

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 2021-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to a Bank of America atm on XX/XX/2021 to deposit {$3000.00} cash. All of a sudden the atm stopped working. I did not get a receipt about my deposit. I immediately contacted customer service and was told to leave and they would investigate. They credited the money to my account. I received a letter saying the investigation didnt show my deposit and the money would be taken out of my account. I went to the local branch and was told they would further investigate and that they would not take the money out. The {$3000.00} has been taken out my account now leaving me in the negative. I left the ATM because I was told too, I told them I would stay until someone showed up to fix it but they said NO that they would send some the next day. Customer service confirmed the ATM had messed up, they said it had lost network.

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