BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-26
Company: Pendrick Capital Partners Holding, LLC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX company contacted me on be half of Pendrick Partner in regards to XXXX medical debts from XXXX i sent off request for VALIDATION made pursuant to 15 USC XX/XX/XXXXg Sec. 809 ( b ) of the FDCPA. I respectfully requested that there offices provide me with competent evidence that I have any legal obligation to pay and proof this debt was indeed rightfully min. Soon after on XX/XX/XXXX i received notice from XXXX / CURRENT CREDITOR, PENDRICK CAPITAL PARTNERS ; saying that they have investigated my dispute and at the time does not have sufficient information to fully respond so they discontinued collection effort on these XXXX accounts : conformation number XXXX TODAY IS XX/XX/XXXX THESE ACCOUNT ARE STILL ON MY CREDIT REPORTS AS COLLECTION NEGATIVELY REFLECTING. 
BUT PENDRICK CAPITAL PARTNERS HAS SOLD TO ANOTHER COMPANY THESE EXACT SAME DEBT NOW SOLD TO XXXX I HAVE REACHED OUT TO XXXX AND PCP REQUESTING THAT THEY PROVIDE OR DELETE THEY WERE ASKED TO KINDLY WHICH HAS NOT BEEN PROVIDED ITS BEEN 90 DAYS SINCE IVE ASKED VALIDATION made pursuant to 15 USC XX/XX/XXXXg Sec. 809 ( b ) of the FDCPA. 
Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. 
THE COMPANY IS CLEARLY RESELLING DEBT THAT HAS BEEN CLOSED TO OTHER COMPANIES

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: MD
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 feel that I am the victim of predatory lending. The school that I attended was fraudulent, and it is now closed. The school was not even accredited. I received almost {$48000.00} in private loans from XXXX XXXX to attend the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Florida. My loans accrued interest while I was in school at a high interest rate. However, upon graduation when I was unable to find a job in my field I put my loans in deferment for 24 months. During that time each payment that I deferred was added to the principal of the loan, and interest was then added to that amount. I was also charged a fee to put my loans into deferment. Since I have been making payments on my loans to Navient all of the money has gone toward interest and fees. For example, in 2014 I paid Navient {$7000.00} in interest. I was told by a representative at Navient that when my loans are finally paid off in 30 years I will have paid over {$150000.00}. The {$150000.00} does not include any fees. I feel like it will be impossible for me to repay my private student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was denied a loan modification by Caliber Home Loans. I was told by a HUD affiliate at XXXX XXXX, after reviewing my documents, that my chances of getting a modification were good and there was plenty of room in my existing mortgage for modification ( my APR is 7.12 % ). I feel that I was not provided a fair review because I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Bread Financial Holdings, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Here is the deal ... I do n't owe a debt collector as this issue is with XXXX and they have refused to put down the proper information on this, so it makes it look like I have an account in collections which is inaccurate ... You ca n't have a debt in collection, when it was closed due to a bankruptcy ... This is impacting my life and has caused me to be turned down for a loan and a credit card as I am trying to rebuild my credit score ... I have been working hard on getting things in order and this has put up a road block ... It 's being reported to Transunion credit bureau ... I currently have an attorney who is ready to move on this if it does n't change and get reported as " closed '' due to Bankruptcy ... 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
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 currently have around XXXX in debt. I have both federal and non federal student loans. I have tried multiple times to contact Navient because the payment options were just to high for me. I am currently making payments however those payments are only interest and that 's {$750.00} a month no including payments i cant afford that are under forbearance which will soon be ending. I will never be able to pay the actual loan itself with the interest rates the way they are. Navient claims to offer tons of ways for them to help you lower your payments or to try and find something that works for you but as I/ve noticed they really do n't care and are totally fine with the idea that i will continue to pay {$750.00} a month and not see a dent ever in the actual amount I owe. I have had deferments and forbearance 's in the past which I am no longer even allowed or offered with the private loans but when it was offered the representatives at Navient were always quick to offer one of those options instead of just finding out what I could afford to pay. Its all or nothing with them which makes it very difficult for someone who 's middle class. The school I attended for college is now shut down and from my experience with others that attended this school all of whom are drowning in debt from going to school there. The financial aid department there was a joke and was never clear about anything. I believe tons of students there got into way more then they agreed upon and will not be paying for the rest of their life. I think that there should be more help for people like myself that are TRYING to make payments and want to get it resolved versus doing nothing. The school name was The XXXX located in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This debt is inaccurate. I never received notification of this debt. Ihad XXXX with a deductible which was met for the year and afterwards insurance paid XXXX %. I never received bill for this debt, call or notice. I have requested many times for a detailed bill of services rendered and account bill with no response and no information received, ever. I have asked this debt from all credit reporting agencies to be removed due to failure to show accountability and it remains on my report. Thus i will not pay this debt and will continue to refuse and dispute this account because my account payment history as shows is XXXX % on debts i owe not ones i never received notification or acceptance on sevond and third party billers who falsely report negative medical bills on consumers who are more than adequately covered by insurance. My insurance company still doesnt knowwhat this charge is as well. 
I want this removedfrom my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Our house was foreclosed on in XXXX, 2009. There was no deficiency on the XXXX trust ( there may have been an overage ). There was a HELOC on the property. It does not show up on a title search. We have been contacted by attorneys claiming to represent the BoA. One of osur credit report shows this debt has been sold. It is showing as fully due on our credit report even though XXXX attorneys have told us that this debt is no longer collectible thru the courts in Virginia. We recently applied for a mortgage and even the loan officer can not explain how this is being represented on our credit report and suggested that we contact you because she ca n't even figure out who we should contact to get it updated to reflect the actual situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Bank of America is not trying to help me get the paperwork done so that I can get the fha loan modification in my name only, they expect me to get a modification with the co Barrower.! no Disclosure statement, they have had the Special Waranity Deed from my divorce attorney sence 2012. They also had the Divorce Decree, letter from the court, ,letter from the co- Barrower, Chapter XXXX Discharge papers, proof of The Barrowers Protection Plan insurance from BOA when I got the mortgage loan, and the personal protection order /restraining order against the co Barrower.

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 2017-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I lost my debit card and someone made some transactions that was no me and with the bank close my account and im desputing those charges and with i want tham to take that off my record

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 2022-05-20
Company: Bridgecrest Acceptance Corporation
State: OH
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:
BridgecrestXXXX  is reporting inaccurate information to all credit bureaus. They're reporting to XXXX that I have over 5 missed payments and the account is in negative status. However, this vehicle was totals in XX/XX/2021. It was paid in full and in good standing and payments were made until the point insurance took over. They have reported that insurance took too long to send a check therefore inaccurately reported delinquency. My insurance partially paid and quick. Their additional GAP insurance issued through XXXX XXXX  is what prolonged the check. This is a partner company for them so they both should have been communicating with each other. 

I have contacted the CEO of the company, and she made an XXXX call from the executive offices who was no help whatsoever.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The bank overdraft fee are to much they sometimes they will charge me twice for a bill

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 2015-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America refuses to add beneficiary to accounts for attorney-in-fact presenting duly registered North Carolina durable power of attorney.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX is reporting a debt on my account that is inaccurate. It also has incorrect information reporting. The amount is {$700.00}. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Account # 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 non-monetary relief
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was XX/XX/2022. Upon Reviewing a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to comply with the FCRA section 605b which states that the Credit Bureaus are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. Delete the Following items as they resulted from the Identity Theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$410.00} ; XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XXXX Balance Owed : {$250.00} ; and XXXX  XXXX Balance Owed : {$350.00}.

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 2021-03-23
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY fcra violations not mine all listed on all : XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$16000.00} written off. 
Account TypeCredit card Balance {$16000.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$810.00} written off. {$810.00} past due as of XX/XX/2021. 
Account TypeCredit card Balance {$810.00} Date OpenedXXXX Dispute XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3600.00} written off. {$3600.00} past due as of

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My Student Loans are currently being serviced by Navient. In this environment of historically low interest rates, the interest rate on my loans are 4.5 %. The legal agreement does not specify how they are calculating my interest rate in full. It only states that it uses the prime interest rate plus some margin rate but it does n't explain how it calculates this margin rate. In speaking with the company they change their story about how this figure is derived. Additionally, there are several administrative errors on my legal agreement such as labeling the loan as being for a graduate student when the loan was taken out to cover my under-graduate degree. Furthermore, they charged me a $ XXXX repayment fee the day I began repaying the loan. The contract states that they may charge me a repayment fee but it does not specify how much this fee is and {$1000.00} seems very egregious. I do n't think most people expect this fee to be $ XXXX or about 3.5 % of the loan. Lastly, my loans were accumulating interest while I was still a student which seems wrong to do to a XXXX XXXX XXXX but after doing some research I found that this was in fact permitted by the contract and by law. Nevertheless, this seems incredibly unfair to do to a XXXX XXXX XXXX college student who does n't have a job or money ( hence why I took out a loan ) and resulted in {$5000.00} of additional interest before ever graduating, having a job, or the having the means to pay off the loan. 
I have called the company and complained about these things and they told me that all of this is within their rights per the contract. 

I graduated college in 2006 and after over 10 years, I still have nearly 75 % of the loan to pay off. Please let me know if I have any recourse for any of these things or if you can suggest a better way of managing these loans. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient agreed to enroll me in their rate reduction plan for one year so I could afford to start paying these loans back after I got out of bankruptcy. After the year was up they denied me to be able to re-enroll because they said I had taken out new credit. I had to buy a new car to get to work and refinanced my house and the motorcycle my husband uses to get to work to lower those payments in order to compensate for the new debt. We have to have reliable transportation in order to work. When I was first enrolled in the program they did not tell me that obtaining any new credit would disqualify me from re-enrolling in the program. I also was not told that {$29000.00} in interest would be added to my account in exchange for being enrolled in the rate reduction plan. My payments were {$910.00} per month. So in XXXX payments totaled {$10000.00} but {$29000.00} was added just so I could participate. That does n't make any sense. I certainly did n't save anything with this plan like they said I would. It would have taken me almost three years of making those payments just to make up the amount they added for me to participate. This was not told to me at the time I enrolled in the program. They also will not stop automatically taking the payment out of my bank account even though they denied me to re-enroll in the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my instructions and permission. They do not.

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