BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion continues to report an inaccurate account status on a closed XXXX CARD revolving account ( XXXX ). As of XXXX/XXXX/XXXX this debt was cancelled by XXXX and reported to the IRS as income. The account status that Transunion is reporting does not reflect that the account is closed and paid in full without a remaining balance. I have been disputing this inaccurate information since XXXX/XXXX/XXXX and Transunion has failed to update with the correct information or delete the account since it 's closed and outdated.

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 2015-06-18
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My husband and I opened an account with SunTrust and three days later could not get access to the account. We called SunTrust and they told us that they could not tell us why our account closed and that we needed to call the fraud department. The fraud department looked XXXX of us up and told us that nothing was flagged on our account and that they saw not reason as to why our account got closed. Next, we went into an actual brand and again were told that they could not tell us exactly why our account got closed and when we would get our money back. Every time we talk to someone they tell us that they ca n't give us a time when we will get *ALL* of our money back. This is ridiculous and no one will help us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: Stellar Recovery, Inc.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
they keep calling me to get debt i do not owe. i couldnt understand the women she was talking too fast but she mentioned that the debt belongs to comcast. i do not owe comcast anything and comcast did not contact me about any debt issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: CarMax, Inc.
State: NC
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Carmax auto finance was recently disputed from transuion credit file and was removed from file on XX/XX/2016. They re- inserted the account on XX/XX/XXXX but with no notification to me .I have disputed this fraudulent account with this company with deceptive tactics that they didnt consider my dispute because they responded before they got the notified letter they sent me which should be documented. I am backing up this claim with a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I bought a computer from XXXX. It was suppose to arrive on XXXX XXXX, 2016. However, when i came home that day, a box was in front of my door step and it was empty. Called XXXX immediately and was transferred to a higher customer department, and was then told that i should dispute the charge with my bank as they would n't be able to refund me back through their system and there seems to be a mistake made by the shipping department. I disputed the charge with my bank and told everything that happened. On XXXX XXXX, the dispute was closed in favor of XXXX as they provided the tracking number and a valid statement that said the shipping carrier delivered it to me and was signed by me. However, I do n't recall ever signing it. I called my bank but they were unable to help me make an appeal or anything but just suggested me to speak to XXXX. I spoke a executive from XXXX and was able to get some help, but in regards to my money, the executive told me that it 's highly unlikely that they can do anything other than speak to XXXX and find out more information about this issue..

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 2016-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Mortgage note has an endorsement undated and the actual possession or date in which Bank of America came into possession can not be established. Assignment of mortgage was robo signed by XXXX XXXX. It is apparent Bank of America attempted to assign interest in itself and used false exhibit in my foreclosure case and recorded against my title which is Fraud.

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 2016-04-25
Company: Navient Solutions, LLC.
State: WA
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 finished XXXX XX/XX/XXXX. I XXXX for forty years. Why am I not eligible for debt forgiveness? Because my loan is beforeXX/XX/XXXX!!! How ridiculous is that?!! XXXX University ONLY offered XXXX XXXX at that time. I retired and still owe approximately {$11000.00}. 
Recently, Navient lowered my monthly payment, but that just extends the time and ads on LOADS of extra interest. 
Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I am on the REPAYE program but my servicer, NELNET, has formulated it so that the first 12 months are {$220.00} and then my payments balloon to {$650.00} a month until it is paid off, no matter my income. I can not afford this. And the only other options that allow me to pay less are NELNET 's program, which will incur a larger amount paid in interest over the life of the loan. 

The REPAYE program is quoted to be 20 years for XXXX loans, but NELNET has told me that my payments do n't take 20 years and can not explain why I 've been put on this particular schedule. 

Further, they will not give me a spreadsheet that itemizes my payments, interest vs principle payments, and note the interest paid by the Dept of Edu by way of the REPAYE plan 's feature.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: Automated Accounts Management Services
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I sent a letter to AAMs to validate the debts on my credit report and when I asked for proof that they own the debt or that the Hospital has placed them in charge of collecting the debt they refused to send me the information. I inform them I never received the original validation letter that they claim that they sent me years ago. They are still refusing to send me that copy of a validation letter I am demanding a copy of that validation letter stating that they are the original creditors or are in charge of the debt from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Delta Management Associates, Inc.
State: MD
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This matter arises out of a dispute sent to XXXX XXXX on XXXX XXXX, XXXX at XXXX XXXX XXXX in XXXX, NH XXXX. ( See : Attachments ) XXXX XXXX failed to reply to my XXXX request and upon dispute transferred the debt to Delta Management Associates. ( See : CFPB Complaints # XXXX and # XXXX ) Upon the CFPB complaints Delta Management Associates then transferred the debt to XXXX XXXX who is attempting to collect the same debt that has yet to be validated by XXXX XXXX and/or Delta Management Associates. In response Delta Management Associates in complaint XXXX I specifically stated my opposition to Delta Management Associates that I did not authorization and/or consent to the release, transferring, selling, intrusion, data sharing, etc., of my private and/or personal identifiable information. I requested that any and all file ( s ), contract ( s ) and or information containing the name " XXXX XXXX '', address, email address, phone records, social security number, credit card information, phone number ( s ), etc. in any variation, spelling or derivative is to be DELETED from Delta Management Associates records. The company has dishonored my request. I also opposed to the disclosure, publicizing or revealing of any personal identifiable information to Delta Management Associates or any third party entities ; data broker services, direct marketing services, directory services, sponsors and entities in which Delta Management Associates is acting as an agent ( s ), licensee, joint venturer, publisher and or any other services that are affiliated with Delta Management Associates. XXXX XXXX and the aforementioned companies have violated XXXX XXXX et seq. in attempts to collect a debt by using false, abusive, deceptive, or misleading representation or means in connection with the collection of a debt ; attempted to extort payment with false litigation threats, false garnishment threats, threatening to enter a judgment also in violation of Section 807 ( 5 ) of the FDCPA, XXXX ; XXXX XXXX are " debt collector ( s ) '' engaging in deceptive and abusive practices that violate the FDCPA. In XXXX, the " FDCPA was enacted as a broad remedial statute designed to 'eliminate abusive debt collection practices by debt collectors, to insure that those " debt collectors '' who refrain from using abusive debt collection practices are not competitively disadvantaged. ' '' ( See : XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX see XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX. XXXX. 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 2016-11-29
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Over 10 years ago my wife and I obtained a mortgage for our first house. Sun Trust administers our mortgage. We have a first and second mortgage. The first mortgage is 7.75 % and the second mortgage is 9 %. We have repeatedly over the years attempted to refinance this mortgage, but Sun Trust has stonewalled and frustrated the process at every turn. Even when we go to our local Sun Trust branch the teller and local reps always ask have we considered refinance. Our response is yes we have. The response is yes only to later hear that some policy at corporate prevents the refined. In 10 plus years we have never been late with a payment. We are seeking assistance in getting Sun Trust to work with its customers in getting a more reasonable and fair interest rate. My wife and I welcome your assistance. Sincerely 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 2015-06-13
Company: National Enterprise Systems, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls identifying their purpose as a debt collector ( NES Ohio ). A recorded message leaves an XXXX number for a response, offers no information as to the source of the " debt '', who they represent, or an amount. I do n't know why they would call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Pinnacle Credit Services, LLC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XXXX XXXX debt of {$300.00} ending in account # XXXX was discharged in Chapter XXXX Bankruptcy in 2011. XXXX has sold the debt to several debt collectors since and it is erroneously reporting on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Comerica
State: OK
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
direct express wo n't send me a replacement card for my expired card. My calls to them have resulted in no human voice contact, no automated venue to fix this problem. When I have almost got to a real person, they hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OR
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
was issued a check via mail, to deposit into account for a sale made through internet- the check cleared - on request have a XXXX made for amount of fee to be sent to XXXX party. - on doing so ( XXXX XXXX Me ), the purchasing party pulled/ declined payment on their check - taking from my account amount paid out on money gram.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This property has been in and out of foreclosure since 2010. Because of this, the owners refuse to pay any of their HOA dues and/or maintain the property - citing that its the banks problem. They still live there and owe over $ XXXX. There are now holes in the side of the home and the property is a complete eyesore.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
We appreciate this opportunity to file this complaint.This is an overview of our point of view in our dealing with AMEX. we had been paying on our account in a timely manner. in the fall of XXXX we made a payment 1 day late. We have been in the XXXX business for 30 years. The winter of XXXX was extremely harsh. we were unable to perform roofing work because of the adverse conditions. we made our XXXX payment of about {$14000.00}. This is a considerable amount to pay without being able to perform much work.In XXXX we made our payment of about {$16000.00}. again this is a considerable payment to make in the winter months without much work. AMEX allowed us a no pre-set spending limit. In XXXX we obtained work then ordered materials to perform the work. AMEX declined the cc charge with no warning. 
As a result we needed to obtain resources elsewhere to purchase materials. This was necessary for us to continue to have our business and make an effort to make a living. Our business was severely crippled by their actions. 
About that time we were told that our pay over time would not be available. We were also told that our credit limit was lowered considerably.These actions were done without notice. So now instead of being able to make our payment to AMEX it has been necessary to obtain funding from other sources in an effort to remain in business. That being said it has been not been possible to make a payment to Amex. 
We have talked to the AMEX representatives on several occasions. On the XXXX occasion we were told everything was determined with " ratio 's '' and with " formula 's ''. The representative wanted to know how much we could pay. When i replied, it was NOT enough. When i was asked when we could pay. When i replied, it was NOT soon enough. This belittling dialog went on for some time. We are a business and human beings.We should be treated as such.Not as " ratio 's '' and " formula 's. 
On another occasion i was treated in the same manner. We were told that AMEX could do what they wanted, the representative was sure that it was in the " fine print '' somewhere! 
We are not " deadbeats ''. Our track record with AMEX goes back to XXXX. They should take that, the winter weather conditions, and our determination not to lose our roofing business into account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My deceased father had a mortgage with the servicer Ocwen. I am selling the home and when I requested a payoff, I was told that it was {$100000.00}. The purchase price of the house in 1978 was only {$100000.00}. Although my father refinanced the home, I believe that Ocwen has greatly inflated the payoff amount for the home. Will you please look into the payoff for me and make sure that Ocwen is asking for the correct amount. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Flood insurance claim check being held too long from Ocwen mortgage services, LLC. 
Over 2 weeks. 
Am I allowed the interest made on my claim money?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I would like my loans verified and I am are concerned about the recent allegations against Navient. I would like them to be removed from your report if they can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: GREAT LAKES
State: CA
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 company handling my private loan is called XXXXGreatLakes and I have recently noticed that they are not applying my payments correctly. I have a monthly payment of {$77.00} that is due on the XXXX of each month and I end up paying {$100.00} instead to pay down the balance or so I though. What this company has been doing is using that extra amount and setting it aside labeling it as " Paid Ahead '' total thus preventing me from quickly reducing the balance. I have contacted them several times now and each representative has refused to apply that past extra amount and all future excess payments to my balance. Right now there is nothing that I can do but ask for your help. I am already burdened with a massive amount of student loan debt and this just adds to the feeling of hopelessness.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: GULF COAST COLLECTION BUREAU, INC.
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 've contacted this company and sent proof of my XXXX to show the debt they seek should be taken up with the insurance company. I 'm not liable for this debt and exempt from collection attempts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Roquemore Holdings LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a voicemail today from a XXXX XXXX, who said she was calling from a firm XXXX and XXXX out of XXXX, TX. She called from XXXX trying to reach my husband XXXX XXXX. Her message stated : " I 'm reaching out to a family member regarding an insurance claim in my office involving a ... .a family member, uh, that has recently passed. If you could please, give me a call back directly at XXXX or toll free at XXXX. Thank you. '' I do not know what this is in reference to, nor do I plan to call back. I am appalled that someone would call and say that a family member has passed to get me to call back! 

The best I can find is that the company is XXXX. Reviewing feedback as best I can online ( which may or may be trusted ) says that this is a debt collection agency, they will do whatever they can for you to call back ( must be their effective methodology as touted on their website ), and that it has to do with a vehicle that may be potentially repossessed. We have no such vehicle, as we are current on both car loans. We have paid off our vehicles in the past, and had clear titles before trading them in. I 'm not sure who or what they need, but I will not be calling them back. 

Again, I am appalled that their methodology includes telling someone they are calling in regards to a family member who has passed away. My dad passed away recently, and it 's not a matter to be taken lightly. Just another example of how we ca n't trust those who call us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: H. Kent Hollins, Attorney at Law, P.A
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt collector has garnished my wages, assumingly illegally, in XXXX for supposedly a {$20.00} bad check in XXXX at a XXXX XXXX DBA XXXX XXXX XXXX in XXXX , Kansas . On my notice of unpaid judgement it has an Account # of XXXX balance of {$1300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: Empowerment Ventures, LLC
State: CA
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
Rushcard has ignored my dispute that I made directly with them. A merchant had somehow debited my rushcard account using the ACH method

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I requested validation upon receiving notice but the letter was lost in transit. Which I will attach proof of that. So I sent a new letter which they signed for and never responded. They continue to report the debt without validation which is illegal under 809 ( b ) of the FDCPA.

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