BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-04
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Today XXXX/XXXX/16 at my place of employment I was contacted by Weltman, Weinberg, and Reis. This is the 2nd time they have contacted me at my place of employment even after I submitted a complaint to the consumer financial protection bureau on Friday XXXX/XXXX/16. Today was a different man attempting to contact me. His name was XXXX XXXX. Phone number XXXX ext XXXX. He would not state what debt the call was about. This is the second time this company has attempted to make inappropriate contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: TCF NATIONAL BANK
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have become between 30-45 days late on my auto loan. Gateway one is attempting to collect the debt. I spoke with a supervisor, XXXX XXXX today who told me my only option was to pay {$470.00} today or my account would be out of his hands and reviewed for other action. I offered to make a payment dated for Friday XXXX a mere 3 days later and was told that is unacceptable. XXXX was vague and dismissive regarding what the next action would be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This is not my debt, this is my brother 's debt. This company ( Navient ) has obtained mine, as well as my husband 's information and has been contacting us. I have already told them I do not know where my brother is and asked them to stop calling me, but they have persisted. I am on the " Do Not Call Registry '' and have made a formal complaint with them as well. I have made multiple attempts to contact them regarding this issue and have been hung up on, lied to, and treated poorly. I attempted to block their calls, but they call from a different number every time. This company seems to be looking for contact information for anyone who knows or is related to the debtor. It is completely inappropriate to harass innocent people to get what they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: RoundPoint Mortgage Servicing LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company incorrectly reported my payment history as XXXX days late to all three credit bureaus. I am currently XXXX days late, not XXXX. I am requesting this information be corrected immediately. The entire reason for my payments that started falling behind was because Roundpoint did not pay our Homeowner 's Insurance despite it being escrowed. In order to avoid our policy not to lapse, we had to pay our of our pockets. Roundpoint took almost 2 months to rectify their mistake and reimburse us for the error.

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 2016-05-11
Company: Credit Bureau Collection Services, Inc.
State: IL
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:
On XXXX XXXX, 2016 I was contacted by a collection agency on behalf of XXXX XXXX XXXX regarding an electric bill which was due for payment on the XXXX of XXXX 2016. However, I never received any previous notification regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: KEYCORP
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
KeyBank is charging a {$51.00} interest charge on purchases despite the balance being paid in full prior to the monthly due date. Their printed statement states, " Paying Interest : ... We will not charge you interest on Purchases if you pay your entire balanace by the Due Date each month. '' The monthly statement from XXXX/XXXX/16 to XXXX/XXXX/16 includes a previous balance of {$7200.00} along with payments and other credits of {$7200.00}. When customer service was called, the representative indicated that they would not refund interest charges and indicated that interest in incurred daily. When I disagreed and told her that was true unless the balance was paid in full, she hung up on me. I called back upset and spoke with another representative. She indicated that there was nothing that she could do other than create a ticket number to have my account reviewed. I indicated that I did not want a ticket number and wanted to be transferred directly to someone who could review my account as I had recently called about another issue 3 times with no call back when issued a ticket number. The representative could offer no help other than a promise to call me back ( which has been made before ) and could not provide any information why an interest charge was being applied. I have a ticket number for the request but am not confident that the issue will be resolved given their past performance of not calling me back. The representative could offer no resolve on my previous ticket number either so they are clearly not looking into the issue reported in XXXX 2016, giving me no reason to believe they will look into this one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX account XXXX seems to be reporting the wrong date opened for the account and the credit account is reporting and re-aging serveral times on my Transunion report. It was a XXXX account XXXX which became a XXXX XXXX Account XXXX which became a XXXX Account .Its seems the same account is being reported XXXX different times on my report. XXXX XXXX is refusing to answer my complaint or change the re-aging or fully investigate. When accounts are duplicated they should be removed from my credit report. Requested a validation of debt also.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14
Company: ALLY FINANCIAL INC.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Ally Financial blocked me from viewing past payments history online, to see if there 's any missed payments on the account.According to the [ EUTA ]. 
Electronic and Record Act I should be able to access and retrieve records / data online if I did business electronically with Ally via. eBill, email or any other type electronic transactions. Ally Financial used my personal authenticity [ username and password ].

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 2017-01-20
Company: Navient Solutions, LLC.
State: PA
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:
In XXXX, XXXX XXXX which was the loan holder at the time now taken over by Navient, when the original loan was issued in XXXX my ex-husband XXXX XXXX, XXXX & his wife, XXXX XXXX forged my name & signature on the Parent Plus Loan online electronically using my name XXXX XXXX XXXX & Social Security Number from their home computer used all my personal info so they could obtain the loan & unknowing to me. This loan also did not need a co-signer since it was a Parent Plus XXXX which did not need a co-signer. So 8-1/2 yrs. went by & they were paying the loan, when suddenly they stopped due to financial reasons & stuck me with the loan. I tried every local resource the Dist. Atty., the local police, gathered all the information I could submitted it to XXXX XXXX ( at that time ) they claim there was nothing they could do even though it was identity theft. Long story short, I feel that due to the identity theft & fraud using my naming I should not be responsible. I addressed this w-my son & they brainwashed him & he told me my dad, XXXX XXXX, XXXX & his wife, XXXX are paying XXXX of his loans & basically he would not pay this loan at all and is now estranged from me over it. Pls. I need some help on this as I can not afford it to continue to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had an auto loan with Bank of America. That auto loan was fully paid-off in XXXX of 2016 -- no dispute on that fact. 
In XXXX we have an " electronic title '' system, where once a lien is fully paid-off, the lender ( BofA in this case ) is obligated to then release the title to the State of XXXX, who then ensures that the XXXX DMV has a record of the title being free of encumbrances. At that point, as the owner of the vehicle ( free and clear ), I am supposed to be able to go process a sale of my car with little effort, again, since the XXXX DMV should now have the clear title in their systems, ready for transfer. 
It turns out that for whatever reason in my case BofA failed to release the title. The XXXX DMV still shows the lien recorded against it, and BofA, when contacted admitted " Oh, yes, we can see that the release was never completed. '' The problem I am facing is that I am moving from XXXX to XXXX next week, and as part of that process it is essential that I sell my car ... i can no longer do that because I do n't have the title. And because BofA will take 7-10 business days to process the release ( again, a release that they were supposed to process 9+ months ago ), and the XXXX systems take 7-10 business days of their own to update once the release is received form the bank, I am left to wait out approximately a month before I will have access to the title I should have access to today. 
The impact for me is that I guess I will need to reschedule my movers, my home sale and my transportation across the country -- seemingly thousands of dollars of impact. And thus far the response from BofA has been " yeah, sorry about that. '' In particular, I took note of the comment from the Customer Service Supervisor when I was asking how this could have happened in the first place and why the bank never caught the problem until I called. He told me " we do n't have any process to check if the release actually occurs. And we do n't have any staff that is assigned to follow-up on that. '' They actually just wait for their clients to catch it and then it is our responsibility to follow-up, figure out what has happened, and in my case at least, be left with the huge financial impact of their failure. That seems like a massive failure of internal policy -- I am not sure how it is even possible this is legal -- they are single-handedly denying me the ability to dispose of my property. Is n't that theft? 
What a joke.

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 2016-09-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was in the final stages of closing on my home- I was locked into a rate of 2.75 % and pre-approved by Wells Fargo XXXX About one week before closing they said we are in level two of approval and it seems you have too many outstanding student loans ( most likely may not be approved ). However, it was never an issue -as I was told because they were deferred for more than five years until I finished my PhD program. I pleaded and wrote a letter indicating my status as a single parent and so on I was told to seek financing else where one week before closing. I did - after paying more fees for a broker and other costs and a rate hike of 3.50 % after purchasing points- more $ $ $ - I closed on my home loan. Within less than a month Wells Fargo bought and owned my home loan. I am not sure what this is called but it was clearly unscrupulous. It felt very bad not only from the aspects of stress and dissatisfaction, the lack of any recourse as I was locked into WF and owed them even more- yet would not want to have my loan there. I asked many questions and asked why I was put through this to reach the same conclusion, yet paying several thousand dollar more in initial fees and thousands more dollars over the life of the loan. The branch manager told me they had just finished training to deal with those of us who were rejected and sent to another broker and then were returned back with WF. I said it must be a big problem if you are receiving this training she stated that many customers were caught- up in this and were very dissatisfied. I was amazed that this was allowed or possible in light of all of the fraud and distortion of home buying in the last 10 years- I believe WF was fraudulent in my pre-approval and rejection- where there was no grounds for denying my loan and repurchasing it to make more money over the life of the loan. My XXXX score was over XXXX and payment history is excellent- this was blatant and unethical as I experienced it. Nonetheless, it is finally apparent there was more to the WF business model than poor judgment and consumer mishandlings as being fleshed out in the latest reports. I am happy I finally get to express my disgust with the way I was handled in the mortgage process. They did give me a reward credit card to earn rewards money towards my purchases for my home at 26 % - talk about capitalistic and opportunistic business. As a single parent with no support I feel like it is next to impossible to create a better life for my child - when too much is never enough for those who squeeze you at every possible chance.

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: Navient Solutions, LLC.
State: GA
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:
I have XXXX private student loans ( $ XXXX+ ) with Navient, formally XXXX XXXX from when I attended XXXX XXXX Universities XXXX Program. Nearly a XXXX ago I had to nearly default on the loan to get into a reduced rate program. While in that program my rates where reduced to 1 % and after tabulating my income ( family of XXXX, wife XXXX ) and expenses they determined the best payment I could get was {$310.00} a month with was 95 % of my discretionary income. To contrast I have an equal amount in Federal Student loans and my Income based repayment is {$31.00} a month! This program I am in has to be recalculated and I spent an hour today speaking with representatives at Navient XXXX XXXX XXXX, XXXX XXXX XXXX. And they told me that my interest rate would be increasing and that the BEST payment they could offer me is {$380.00} which is 117 % of my discretionary income!! My rent has gone up and my family of XXXX is living in a XXXX bedroom house! This is no way to live! I need help here!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NY
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 switched over to XXXX servicing because I qualify under the public service forgiveness loan. I spoke to several representatives from navient assuring me that all my payments from XX/XX/2015 would count towards the forgiveness. Well I was told my XXXX that I had to change my payment status. So I redid my information and was told of my new payment but that none of my payments from navient would count for the forgiveness loan. Navient assured me it would. Now 2 years of payments meant nothing for the forgiveness. I would like that rectify since the only way I will go income base with XXXX is if my payments from XX/XX/2015 count towards the forgiveness of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have been fighting with Transunion for quite some time to get my credit report straight. Other than my open accounts i have applied for NO credit anywhere as my wife and i prepare to purchase our fist home. I have filed a complaint with the XXXX and there response what that people do n't need my permission to run my credit. This is inaccurate and these fraudulent inquiries are messing up what would be a good credit profile. All recent requests for my credit are fraudulent and i request that they be removed. You can see on my report the accounts that are open and in my name because i pay them monthly. However i have not seeked new credit. Please help me in getting transuion to remove these several inquiries off of my report that are fraudulent so that i may continue on the road of preparing to purchase my first home. As a Vet and XXXX it sickens me that i have to go through all these channels just to get my credit report accurate because the agencies refuse to do anything. All they do is call the creditor and say " did you get a request for credit '' and i assume they say yet and this makes it a valid inquiry? NO i do n't think so, because anyone could call and say they are me and if it is not me i do n't want to be penalized for it. Again my only complaint is that most all of the inquires on my report are wrong. Please help me get them removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX XXXX, NC XXXX and these accounts XXXX XXXX XXXX XXXX and these others XXXX XXXX XXXX. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
On XX/XX/XXXX I pulled up my credit report XXXX TransUnion, I pay XXXX a month so I can do this. My credit score was XXXX then. On XX/XX/XXXX I pull it up again and my credit score is XXXX. 
At XXXX I called Transunion to find out why my score was down XXXX points. I was asked '' which apatment number is yours? '' I OWN my house, since XX/XX/XXXX, I do not live in apartment. XXXX said I did and I would have to prove I own my house. I told them to look on report and it says my mortgage company. They said I had to get letter from mortgage company saying it is a house. Then they said I had a delenquent account from over four years ago and that would bring my score down. I told them it was from four and half years ago that should not have brought it down in the past few days. They refused to check on this. They also said I need to prove I own a home, with XXXX different mortgage companies because I refinaced it over a year ago. They also refuse to add a credit card that I have had for over 22 years now- -saying, after the bank even sent XXXX letters verifying this, that I do not have this account. I have wrtten about this charge card XXXX times, called XXXX times, bank has sent XXXX letters. 
I can not get them to understand a single thing. I still do not know why I lost XXXX points in just a few days. Nothing is past due except the account that is over XXXX years old. XXXX guy flat refuse to do anything ( talked to XXXX people including supervisor ) because it went back to " you live in apartment ''. Please help me here, please. TransUnion is the ONLY agency that has my credit all messed up. I finally ended the phone call at XXXX AM- -the whole time they would nto do XXXX thing except refuse to add credit card I have had 22 years and refused to know I own a home, that I do XXXX live in apartment- -which is stupid, it shows on my credit report of home mortgage. I need HELP, please. I have worked hard to get my credfit pass XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have tried to get the free credit report from TransUnion but their website has indicated it will not send it to me and gives me no option for addressing or resolving their decision. Additionally the site would give it to me no problem if I pay them {$22.00}. Is n't this a violation of the requirement for these bureaus to give the report free?

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