BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-17
Company: HW Holding, Inc
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:
XX/XX/XXXX, My roommate and I moved out of my apartment called XXXX XXXX in XXXX XXXX, GA. The leasing office refused a walk-out inspection and said they'd send an inspection on their own time the next day. 

XX/XX/XXXX, we received a bill of {$540.00} of misc. fees from XXXX XXXX. 

XX/XX/XXXX We responded to XXXX XXXX demanding copies of the move-out inspection reports, our original lease, and disputed the charge. We never got any response from them. 

XX/XX/XXXX - XX/XX/XXXX We emailed XXXX XXXX multiple times requesting a response to our original dispute, no response. 

XX/XX/XXXX ( We found out way later on ) XXXX XXXX actually already sent our bill to a collection agency in XXXX named Hunter Warfield by this date, only 14 days after we moved out. 

XX/XX/XXXX Received first call from Hunter Warfield regarding the debt. Again, we contacted XXXX XXXX on XX/XX/XXXX, asking for the same documents and reason for the charge. XXXX XXXX finally responded this time with the documents they should have provided us within 3 business day after we moved out. 

XX/XX/XXXX I found a mistake in my last bill from the {$540.00} bill. XXXX XXXX " mistakenly '' over charged {$87.00} for XX/XX/XXXX in our final water/sewer bill. XXXX XXXX said they would look into it with the utility office. We questioned how come we could use {$87.00} worth of water within one day and demanded investigation into the charge, and also wondered how many times these hiddencharges are overlooked by other tenants and customers. 

XX/XX/XXXX XXXX XXXX emailed and took off {$87.00} from our final bill, admitting that it was an error on the final month of water/sewer. 

XX/XX/XXXX I sent a letter of dispute to Hunter Warfield, claiming that this debt is unmeritorious because the leasing office took legal actions before responding to our dispute. According to the GA code, the renter should always respond to the tenant 's dispute before taking legal actions. XXXX XXXX never provided us the opportunity to inspect the premise within 3 business day. We never got the chance to sign that list, with the statement specifically in writing any items on the list that we would have disagree with. 

XX/XX/XXXX Received a letter from Hunter Warfield saying they would look into the matter with XXXX XXXX. 

XX/XX/XXXX Received a new bill of {$450.00} ( {$540.00} - {$84.00} ) from Hunter Warfield with the {$84.00} deducted from original bill. 

XX/XX/XXXX Received phone calls from Hunter Warfield threatening to report this debt to the Credit Bureau on XX/XX/XXXX.

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 2022-02-24
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX reported to the three credit agencies that I paid my XXXX, XXXX, and XXXX bills very late. This was not true. ( If you check ALL of my credit history, you will see that I've charged about {$80000.00} a year almost every year for the past four decades and never once paid a bill late or incurred a late fee. I contacted XXXX at the time, we settled the matter, and they said they would report the update, but they haven't. I also contacted Experian to try to get them to get this updated but they didn't respond. This is badly damaging my credit score. Please can you help 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 2022-07-06
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited a check from my insurance company ( XXXX  ) into my account. All my chase accounts right now is being restricted because of something with the check. they said they have to verify the check which is understandable but why is all accounts being restricted I have kids.. they stated that the number they called no one is answering. I gave them 2 other number s to call and they said they couldn't call those numbers. I called my agent before calling chase just to make sure the number was good for them to verify the check.. they are attacking my character by restricting my account before doing an investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Each and every time I submitted documents for a modification I was repeatedly told that the documents I submitted were lost, missing information or out dated and needed to start the process again with a new application. I was repeatedly told my file was " under review '' to be told a day or week later it was not ready for review. Even with the assistance of an outside foreclosure prevention specialist - I remained on this hamster wheel. I am a XXXX, so I understand the process. I finally was approved for modification trial period upon which I have been locked out of Bank of America 's communication portal. I have called the representative I was told was assigned after my file was sent to the escalation department as a result of a complaint I filed just a month ago. Now, I do not receive call backs from the assigned escalation department and no one is assisting with explaining why or correcting my sudden inability to access the portal, which is stated as being the bank 's " preferred method '' of communication and the only place where I can verify documents that I have sent or received. Can someone please help get Bank of America 's stated protocols and to follow procedures.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I 'm currently back in school as a XXXX and working a part time. Navient will not postpone my payments and I 've been checking my loans and I feel that they are overcharging by a lot. The amount that owed them is now almost twice and triple the amount my loan was. How did these loans balance increased like that? How is it that the balance owed is now triple the amount of the original loan? 
Below are couples of examples of my loans are looking like right : XXXX Signature Student Borrowed : {$5200.00} Amount owed : {$12000.00} XXXX Tuition Answer Borrowed : {$5200.00} Amount owed : {$12000.00} XXXX Tuition Answer Borrowed : {$10000.00} Amount owed : {$26000.00} XXXX Tuition Answer Borrowed : {$15000.00} Amount owed : {$37000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-24
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:
As I reviewed my recent report, I have found an erroneous information reporting on my TransUnion Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to TransUnion to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX Balance {$1300.00}

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 2022-02-24
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a new washer and dryer from XXXX. It was delivered damaged so I refused it and they did not show up twice for the rescheduled delivery so I cancelled the order. XXXX processed only a partial refund however. The order total was {$2500.00}. They processed two refunds. One for {$2000.00} and one for {$360.00}, leaving me with a balance of {$170.00}. I filed a dispute with Synchrony for the {$170.00}. They denied the dispute based on information from XXXX stating the items had been picked up. The information they provided showed my receipt as well as a screen print from their system showing picked up items. However, the screenshot was of someone elses order and the items in the screenshot do not match those on my receipt. I notified Synchrony of this as well as provided screenshots of the XXXX website showing the items had not been picked up. And their response was to congratulate me that XXXX 's had already credited me the {$2300.00} and my dispute was approved. However, this still left me with the balance of {$170.00}. So my dispute was not resolved. I contacted Synchrony by phone today t ask them to resolve and their response was they would open another dispute and see what XXXX has to say. This is unacceptable.

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 2016-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I went to my local branch of the Bank of America to cash in some cashiers checks we had been holding onto. It was {$14000.00}. I am XXXX and my wife is XXXX and that money is all we had, our life savings. I am a XXXX Veteran XXXX and my wife is also XXXX. 
As we went to cash them the bank said to us that they had to hold them for a few minutes while they called someone. We were told to go home as they had n't received the call back from their superiors. The next day we still had heard nothing from them. We went to the bank again the next morning. The manager, XXXX XXXX, continued to tell us he had to speak to someone to ok our transaction, and that everything was ok .... we just had to wait. On XX/XX/2016 he called us and told us our money had gone to the state. He said he had to send it address unknown because they did n't have our address. We 've been banking there for 14 years! 
I called the California State Controller. It is a law that we are to receive a 30 day notice before the bank can take our property. We did not receive 30 day notice from the bank. 
That is my issue. We did not receive proper notice from the Bank of America on XXXX XXXX XXXX XXXX, XXXX, CA.

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 2022-02-24
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : State a consumer reporting agency can not furnish a account without my written instructions

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 2020-01-17
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120 150 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The bureaus are reporting a current balance of either {$72000.00} or {$82000.00} as of XXXX. Both of the balances being reported is wrong. I have attached copies of my bank statements from XXXX, XXXX to XXXX, XXXX. These statements clearly show every on-time payment that has been made on this account along with the correct current balance. The lates being reported on my credit report are absolutely false and need to be removed IMMEDIATELY. This false reporting of lates is seriously harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My wife and I are having a lot of problems with BMO/Harris. We 're now seeing the same check going through twice and SOMEHOW the check seems to land in an area where I was short -- SO & lt ; I will be charged XXXX NSF fees for the same CHECK! Now, I got one of them reversed, and YESTERDAY I went there to talk with the bank manager in XXXX, WI and I know that she could see that it was going to be charged another NSF fee and she did n't say anything about it. I ca n't trust them, by the end of this month, I plan on taking all of my monies out and transferring it to another bank.

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 2017-01-21
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 was on a payment plan with XXXX XXXX and when I went to see what payment options were available for me with navient because of financial difficulties they told me they did n't have any available and I have to pay the full balance. After numerous phone calls and speaking with several representatives and supervisors I was finally told I could do a financial statement and someone would get back to me within 4 business days. I never heard anything back so I contacted them only to be told they did n't make a decision yet. I waited another week and called back only to be told again no decision was made I asked for a supervisor and was told it was sitting on someone 's desk because they were on vacation. I had to call back yet again he next business day only to be told I did not qualify because I made {$15.00} too much and there was nothing more they could do. Now mind you I have a XXXX loan and I have to pay have my car payment a month for it and hats a minimum payment. It 's impossible for me to put anything extra towards it therefore it 's impossible for me to ever get out from under this loan. Also looking at my credit my loan has actually gone up this past year by {$22.00}. And while making my payments on time they still continue to call my co-signer and tell them I do not make my payments while I make them before they are due!! This company is a real piece and should not be in business. Their customer service is horrible and they really need to learn how to work With people, they make it impossible for people to ever pay back their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
i was trying to open a new credit card account and equifax has a freeze credit on the account, i dont know why. i tried calling equifax about the issue and they can't find me in their system so i have no idea where to get the help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
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:
This is XXXX XXXX XXXX and this complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX, XXXX XXXX Balance {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$1900.00} XXXX XXXX Balance {$170.00}

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 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
We have been on a Forbearance Plan which was offered by XXXX XXXX Mortgage numerous times due to XXXX being a Veteran. We elected this option and were guaranteed there would be no reporting of negative information on our credit report. However, the company continues to report negative information. 

I have called the company 3 times to get this resolved. The second time, XXXX I was told the matter would corrected and a letter sent out confirming the negative information would be removed. I never received the letter, however I did receive a statement. I called the company again today. I was told again no negative information should have been reported on the account since XX/XX/2021 because the account was " coded for protection '' from modification to Forbearance again because of it being a VA Loan. The representative even offered another Forbearance since ours is soon to end, again. 

I informed the representative it was imperative to get this issue resolved or I would be reporting to CFPB. This been so frustrating. We would never done the modification or Forbearances had we not been offered or had known our credit was going to be affected negatively. We feel the company needs to better train their Representative 's on how these programs work. We have spoke with several Representatives over the pas months and we continually told our loan has been in 'protected status ''. Due the misinformation provided to us we want our credit report fixed asap. 

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 2022-07-06
Company: EQUIFAX, INC.
State: ND
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:
We have been on a Forbearance Plan which was offered by XXXX XXXX Mortgage numerous times due to XXXX being a Veteran. We elected this option and were guaranteed there would be no reporting of negative information on our credit report. However, the company continues to report negative information. 

I have called the company 3 times to get this resolved. The second time, XXXX I was told the matter would corrected and a letter sent out confirming the negative information would be removed. I never received the letter, however I did receive a statement. I called the company again today. I was told again no negative information should have been reported on the account since XX/XX/2021 because the account was " coded for protection '' from modification to Forbearance again because of it being a VA Loan. The representative even offered another Forbearance since ours is soon to end, again. 

I informed the representative it was imperative to get this issue resolved or I would be reporting to CFPB. This been so frustrating. We would never done the modification or Forbearances had we not been offered or had known our credit was going to be affected negatively. We feel the company needs to better train their Representative 's on how these programs work. We have spoke with several Representatives over the pas months and we continually told our loan has been in 'protected status ''. Due the misinformation provided to us we want our credit report fixed asap. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Key 2 Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I enrolled at XXXX University using federal funds and scholarships. I was XXXX assaulted and withdrew from school. I let the university know what had occurred and I could no longer start the semester. I received a bill from KEY 2 RECOVERY INC stating that I owe a balance of XXXX. I called the University and the collector to get this resolved but no one could assist me. No one sent the bill on how I could owe this. I also received a notice from my student loan servicer from XXXX showing the loan was taken out. I have not had any explanation as to why I owe when I withdrew from the courses in a timely fashion and it shows up as a student loan on my credit report. The only notice I continue to receive is a notice saying that I owe a balance. I have disputed this account with the credit bureaus with no course of action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
According to section 6.11, I have been gravely affected and my credit score is suffering badly. I am requesting that all the credit inquiries be removed.

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