BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XXXX XXXX, XXXX I mailed an unauthorized inquiry letter certified to this Credit Bureau upon checking the letter was delivered XXXX XXXX, XXXX here it is today XXXX XXXX well over 30 days. I have contacted Equifax in regards to this dispute because I have not received any documentation in reference to this dispute. And I know my rights as a consumer when it comes to the Bureaus not responding within 30 days. Upon talking to a Representative she was able to tell me that they had received the letter that was mailed out XXXX XXXX, XXXX and received by them XXXX XXXX, XXXX but was unable to tell me why I never received anything in regards to the dispute. And then proceeded to tell me she can mail me out a letter stating how to have these unauthorized inquiries removed well after the 30 days from when the Bureau received my letter, also proceeded to tell me I have to contact the companies when I have contacted them on numerous occasions and was told I have to dispute them thru the Credit Bureau and that was my purpose for sending off the dispute letter that was never taken into consideration by Equifax. I know my rights as a consumer and know that inquiries are only allowed to be placed on your report for 1. Firm offer of credit 2. Insurance 3. Employment and 4. Court order. The following inquiries listed on my report are related to none of the aforementioned permissible and would like them removed from my report. As follows 1. XXXX XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XXXX/XXXX/XXXX 8. XXXX XXXX Bank XXXX/XXXX/XXXX 9. XXXX XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX/XXXX/XXXX 11. XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 12. XXXX XXXX XXXX XXXX/XXXX/XXXX 13. XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had moved out of the Property in XXXX due to a job in a different city. I attempted to sell in XXXX, I bought in XXXX so the Property 's value was severely under water. I applied for a short sale through Chase. I was expressly promised a short sale was approved several years ago. I had several offers fall through due to Chase 's failure to timely respond. After losing several offers, it came to Chase 's attention that they need FHA approval. In a letter dated XXXX XXXX, XXXX Chase indicated that the short sale was denied due to a " second lienholder '' not approving. There is no second lienholder. Chase 's failure to properly respond for years has caused me continual decrease in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT OFF EXPERIAN

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 2016-04-21
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Spoke with my spouse without prior consent and I live in the state of Georgia which prohibits that

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 2016-02-26
Company: Genesis Lending
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
In XXXX of 2012 I inquired about obtaining a degree in XXXX. I was soon bombarded by phone calls from the XXXX XXXX and finally was scheduled for an in person meeting with a counselor in the XXXX XXXX, NJ location. I was XXXX years old and unsure of what I wanted to do with my life. My counselor convinced me that the medical assistant program was for me because I would be certified in 9 months and XXXX would help me secure a job after my graduation. Even when I hesitated and told my counselor I wanted to possibly start in XX/XX/XXXX, he insistent that I start by XX/XX/XXXX, meaning I had less than 3 weeks between my first introduction to the XXXX XXXX, to when I would start the medical assisting program. This was short time to make a decision. When I met with the financial services representatives at XXXX they quickly told me they could secure a loan with the Genesis Lending Services to cover the cost of school remaining after federal loans. Again, I was XXXX years old and did not have a parent or guardian present to help with my decision ; just the knowledge that I was now starting school in less than 3 weeks and needed the funds to pay for it. The interest of my loan or how long it would take me to finish payments was never explained to me. I feel the XXXX XXXX in XXXX XXXX, NJ pressured me into enrollment and further more encouraged me to make an irresponsible decision in obtaining a private loan from the Genesis Lending Service.

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 2016-01-20
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA
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:
The bulk of my student loans are with the Department of Education and are currently in deferment while I complete my specialty training. However, there were XXXX minor loans through XXXX XXXX, which they sent to Campus Partners to collect those loans. I was unable to get a deferment for those loans, despite completing the paperwork ( no reason was given, just a denial ), and I contacted XXXX XXXX to make repayment arrangements that I could actually afford to pay : Campus Partners was demanding $ XXXX, which I certainly could not afford with my training salary. ( Campus Partners had tried in XXXX to tell me that I had to IMMEDIATELY repay $ XXXX in loans and tried to get my parents to sign an equity loan on their house to repay - or they threatened I would not get my XXXX. I contacted XXXX XXXX, and they intervened. I have attached the email to this complaint ). My problem is that I am repaying the loan on a schedule that I had agreed with XXXX XXXX in XXXX, but Campus Partners continues to provide extremely negative input to my credit report. I will complete the specialty training in XXXX XXXX, and will be in a better position to pay both my Federal and private loans ( Campus Partners ). Is n't there a way to have my credit report reflect my payment of the XXXX XXXX loans instead of the continued negative monthly reports??? Campus Partners is unbelievably unresponsive, and it is hard to believe that they are really a non-profit. Their collection tactics are aggressive and money-draining, including the exorbitant fee that they charge for online payments! 

Please help me! 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Altisource Portfolio Solutions, S.à r.l.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX. In 2013 I had renters staying in my home for 3 years. When they moved out I needed time to get the place ready to re rent. I chose to do loan modification. Because I am a XXXX XXXX. My husband and I needed to clean the place mow the lawn spray for termites and fleas as it was infested and paint. a company was hired by XXXX called altisource solutions. They broke into my home, they broke sliding glass doors to the kitchen, theback sliding glass doors, the front door, and broke the locks both regular lock and deadbolt off the door and replaced the regular lock and a lock box. This make the property less secure. Once inside they left a sticker on the window and when we called the number had been disconnected so we called the police. They started charging fees. Meanwhile we were in the middle of going through a mortgage renegotiation because it was so high. The home was not vacant nor was it in foreclosure and they had no rights to the property. For 2 years we have been asking to get this resolved! We filed a police report. We called many times only to be told to call and speak to our " relationship manager '' which is a joke as we have had so many of those we cant count. They have added and refuse to remove their " Maintenance '' fees which they never provided any maintenance. Today altisource called stating they tried to contact us in XXXX of 2013 by mail. ( never happened ) and gave me crazy off the wall phone numbers they said were supplied by us LOL! ( I know my own phone numbers and they have n't changed in 2 years ) Yesterday the guy called me and asked if I was the guy who was supposed to be helping me from XXXX. When I said excuse me? He said oh " this is n't XXXX? I do n't think I sound like a XXXX .... He offered to fix the damage and add it to my loan. Can you imagine? His company broke my property and he will buy materials and contract to fix it and charge it to me to pay for so I get XXXX twice. What a happy ending. I pray no one ever has to deal with XXXX or altisource solutions as they wolves in sheeps clothing pretending to be helpful all the while and XXXX as soon as you turn around.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX I called TD Banks customer service, and asked them to close my account. In the XXXX of XXXX, I went back to TD Bank. To reopen my account, to my surprise the account was never closed.And on top of that, they told me that I owed the bank {$61.00} and some cents. I was told that I could not have the account closed over the phone. But the customer service representative that I spoke to over the phone, did not tell me that. On Friday XXXX XXXX XXXX. I went into a TD Bank on XXXX XXXX, in XXXX. And i was still not helped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-22
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I accidently sent XXXX to a closed account at TD Bank. I immediately tried to reverse and was told by TD Bank my account I sent from would be credited by TD. This happened XXXX XXXX, 2016 and I am still awaiting a positive response from TD. I have provided the tracking number to them from my " send '' account with no reolution bt TD. I am at a loss

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-11
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Im definitely glad to see this I 've been complaining for years my student loans have jumped tremendously over the years I owe almost XXXX dollars because they always had reasons why I was not eligible for a repayment plan instead they keep putting me on forbearances which you continue to incur high interest on your loans Also school I went to all closed and unable to even get a job in the filledZ it was a waste.. the school was also misleading signing me up with these different type of lisns

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
TD Bank provided me XXXX different visa debit cards for the same business account. In trying to obtain help on which to use, TD Bank had me on hold for over 15 minutes, playing advertising continuously the entire time, which means that it was not even possible to turn down the volume and wait for a voice. Also, no call back option. They have proven themselves the opposite of their slogan " America 's Most Convenient Bank '' and have egregiously wasted my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion has failed ( as usual ) to adhere to proper procedures and credit laws. A XXXX account is on my credit report and needs to be deleted immediately XXXX correctly removed this account that is reporting incorrect information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2015, Bank of America, XXXX XXXX Branch gave my checking account information XXXX XXXX XXXX XXXX. Despite having a written policy against allowing anyone to deposit money into my bank accounts. Bank of America willfully violated it 's own policy. I have XXXX previous open complaints against Bank of America for violating this policy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card
Issue: Other fee

Complaint:
On XXXX/XXXX/2016 I closed the Bank of America XXXX credit card account ending in XXXX. An annual fee of {$75.00} was assessed to that credit card account on XXXX/XXXX/16. Upon closing the account, I was informed that the annual fee could not be refunded. I then requested a partial refund since the fee covers usage of the card for the next 12 months and aforementioned credit card account had been closed. Bank of America refused to provide a pro-rated, or partial refund of the annual fee.

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 2017-01-19
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
When I asked about lowering payments Navient advised that I could reduce payments or take advantage of forebearabce but never explained how this would affect the loan and or interest associated with loan. In fact they almost insisted I take the forebearance every time I asked about my options. Navient did n't inform me of any deadline or proper documentation either. I feel as though a Navient did n't have my best interest in mind when assisting me with my loan. Disappointing! This has also impacted my credit dramatically as the fees and interest are way out of control.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
The complaint is with Navient. 
Navient refuses to provide the outstanding balance on loans when interest is capitalized or payments are received. Their online service only provides the original loand amount and the current balance. However, when viewing transaction history, the total balance is not shown, only capitalized, charges, and payments. Upon calling to ask for balance amounts before and after payments, all supervisors refused to provide me with this information. I was instructed to take the original loan amount and manually go through the transactions line by line ( from origination date in 2007 to present ). 
The practice of refusing to show a running balance due per transaction hurts consumers, and can esily lead to unscrupulous or abusive practices, as the consumer is essentially 'flying blind ' on the total due per each transaction. 
Upon speaking with Navient, they were unwilling to provide a transaction history with all transactions listed and how the balance has increased or decreased. This should be mandatory to provide this information to consumers upon request. Please investigate the legality of this practice by navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Other

Complaint:
I received a XXXX from Bank of America regarding a check for {$12000.00} they sent me in XXXX of 2014 as repayment because they violated the SCRA on my credit card account while I was deployed. Upon receiving the check last XXXX, I verified with BOA that the check was legitimate and asked what it was for. They said they were repaying my interest on my credit card account that I had over payed due to their error. Now I have received a XXXX for a different amount, {$9000.00}. I spoke to a representative this morning and she claimed this amount was the real amount of the overpayment and that the difference between the check and the XXXX was something akin to restitution. She said the difference was nontaxable, but the portion recorded on the XXXX was taxable. According to her, the XXXX amount was credit card interest I paid while deployed. This is fraudulent however, because I already paid taxes on that amount when I included it as primary income from the XXXX when filing taxes. They are offering no further help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I made a deposit on Wednesday XXXX in the amount of {$9500.00}. The receipt shows that on XXXX, {$4800.00} will be released with the remaining amount released on XXXX. 

In a letter dated XXXX from Bank of America states that the ENTIRE deposit would be held until XXXX. Since the letter was sent on the XXXX of XXXX, the date my receipt stated that {$4800.00} would be release I was not notified that all of the funds were held until AFTER I made purchases as I was notified from the receipt that I had {$4800.00} with which to work. 

Therefore, I was charged XXXX overdraft fees of {$35.00} each for monies I had on hand. When I spoke to your customer service representative, XXXX, this morning, she attempted to first say it was because I deposited the funds into an ATM, no matter that it was a Bank of America ATM.

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 2015-07-20
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Financial Control attempted to collect more than I owed for medical bills, that my insurance Company, XXXX XXXX had paid. I did pay CFC a lesser amount that we settled upon more than a year ago during 2014. They stated that the collection would be removed from my Credit Report if I agreed to pay that day! I felt forced to pay it, since I knew it would negatively affect my credit score. A year later it is still on my credit report!!! I want Central Financial Control to remove this from my credit report as they stated they would. This is an unfair tactic, that destroys ones credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: PA
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 got a loan with Navient for school. When it came time to pay i had set up automatic payments with them from my bank. They stated it would be more easier that way and also save me a percentage on the loan through lower interest with on time payments. XXXX payment was made this way and after that they said i was late in paying which was impossible because it was automatically set up and the funds were there. I fully believe they manipulated the payment some how just to stick me with higher interest through FALSE/DECEITFUL business practices. Im very upset with them but stuck with Navient until my loan is paid in full. When i inquired about another copy of the letter they sent me telling me about my rejection from the program they were not forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
SW credit systems no longer has the account and still reporting on my credit report after I disputed it.

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
Consumer complaint received 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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: Problem getting your free annual credit report

Complaint:
I have tried to get my credit report from annual credit report ; trans union. 
The website refused my request and directed me to call TransUnion. 
TransUnion provided me an error code, and directed me to a further number, which failed to rectify the situation. 
Thus far, TransUnion has refused to provide me a credit report.

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 2016-03-15
Company: Southwest Credit Systems, L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Southwest Credit XXXX continues to harass me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed