BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On theee occasions by certified mail I requested u see 606 that I be provided with proof and method of verification on several accounts because these accounts were verified with NO investigation no information was corrected or changed even the status date was years before the dispute. Further, they provided no proof of method of verification. They lied about verifying information andrefused to delete after missing the 15 day deadline. The rules say that they must delete accounts they do not provide proof of verification and they refused and ignored me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX sold my loan to penny mac back in XXXX 2015 the loan was almost 2 half yrs old there now saying that I owe them 2 months of escrow, have not have had any increase in tax or insurance when i originated the loan I paid 2monthes up front so why are they asking for more money in escrow. there reply has been u need to talk to XXXX,,,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
We agreed to purchase a bank owned property for full asking price in XXXX XXXX and the offer was accepted. We placed 10 % of the money into escrow. The bank delayed closing then until XXXX XXXX because of a right of redemption that was placed on the property. Then the ROR was waived and we signed closing documents on XXXX XXXX, XXXX and wired the rest of the money out of our account. Now, a week later, the bank has the entire purchase price but has failed to release the property to us and we are told that this will take more time because they require another appraisal.

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 2017-04-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX. XXXX XXXX XXXX, GA XXXX Or XXXX XXXX. XXXX XXXX XXXX, PA XXXX Or Experian XXXX XXXX XXXX, TX XXXX XXXX, XXXX SS XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam, Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : [ XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX ]. 
As required by FACTA and in support of my request, I am including a copy of my identity theft report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. I may be reached by telephone at [ XXXX ] Sincerely, XXXX, XXXX SS XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2017-02-14
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
spent one hour just now trying to dispute something and make a payment. while american express bills me for interest i was promised would not be, and which i will be unable to pay based on that. they wasted 70 minutes of my time with XXXX calls either answered with extremely limtied XXXX or transferred me to business.. sometimes you call you get business card sometimes you do not its random and its annoying. wastes my time so i still need to dispute XXXX dollar XXXX and get interest refunded and make a payment. in light of my time wasted today and being hung up on 2 times early am today i want my itnerest refunded was i was promised last year. To bill me for charges stemming from vandalism to my home is in poor taste. esp with what i endured now and have in the past. XXXX calls this am. and i was hung up on twice and transferred all over teh world i want interest refunded and XXXX dollars back from XXXX. period

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed these collections several times with XXXX, XXXX and Transunion and they refuse to remove the accounts off of my credit report for the account numbers XXXX, XXXX, XXXX. I have advised all bureau 's that this hospital refused to use to XXXX provided to me by the state at the time of nmy XXXX and issued these medical bills through the employer I no longer worked for as i was too ill to work and terminated my employment. These medical bills were processed fradulently and I request that they are removed immediately. Medical covered for my XXXX provided by the state of florida can be verified through the state or as requested. I am requesting all late fees and all XXXX account be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: TRANSWORLD SYSTEMS INC
State: PA
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:
there is a electric bill in my name from XXXX energy that I disputed years ago. they said I owed XXXX and I never believed that I owed that much. years later I receive a letter in the mail XX/XX/2017 stating that I now owe on the same bill XXXX which is ridiculous. I do not agree with paying this large amount. especially when the beginning was only XXXX which I felt I did n't owe that much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have attempted to have a blemish on my Equifax credit report removed. The inital creditor no longer holds the account. I have called the company and was advised although they no longer hold the account, it is still being reported. I have notified Equifax to request to have it removed because it is dated and can no longer be addressed by the initial creditor. Equifax denied my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I did owe Bank of americ {$52.00} and paid it on XXXX/XXXX/15. This of course was reported to XXXX and was told that it would state 'piad ' within XXXX days. To this date, it has not been updated to say 'paid ' ( not removed, just paid ) and I am unable to get XXXX to acknowledge the receipt or the bank to make the correction

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: WA
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 am contacting the CFPB with a shared concern/complaint against loan servicer- Navient . My student loans were transferred from XXXX XXXX to Navient. I did not have a choice or option to do so. XXXX XXXX made the choice stating that Navient was taking over because XXXX XXXX had too many loans to handle. I have been paying off my student loans to Navient ever since. I just about 'fainted ' this past week when I read the CFPB filed a lawsuit regarding Student Loan Repayments against Navient. Every news article I read as well as what I read online was an exact match to the horrific experience and relations I have had with Navient. I have cried, screamed and complained to different customer service people as well as spoken to numerous managers about HOW HIGH MY PAYMENTS WERE. I tried over and over and over to get my payments reduced according to my income. I was lied to over and over about what I did not qualify for in repayment for my student loan. I made so many phone calls to Navient stating that my sister who had gone to grad school was paying on her student loan ( s ) and I was forced to make monthly repayments that were twice as much as she repaid. It was so baffling to me because my income was so much less than my sister yet I was paying so much more. I have just me and my income to pay my student loan. I was shaken and dumbfounded, completely at a loss for words at what Navient was doing to me. I continued to ask about lowering my monthly payments, about the RePaye program set in-place, and options I had. But no, there were not any options and I had to continue to pay at the rate that I was told to. I knew they were lying to me. I asked so many times for a plan that reduced my monthly rate on my student loan, esp, when I had begun to ask my employer for an advance on my paycheck. So yes, I have received bad information, struggled, been lied to, and been made to feel very helpless in the repayment of my student loan after XXXX XXXX transferred my loans to Navient. I agree with the lawsuit and others who have filed a lawsuit against Navient. Navient lied to and defrauded persons who have had to pay back student loans to them. I have been very angry with how I 've been treated by Navient and customer service persons who purposely did not allow me plans or payments that were income sensitive to me. When I changed to a different paperless online payment due to a conflicting bank issue I had problems with Navient processing the new set up and not wanting to deal with fee issues that came with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card
Issue: Late fee

Complaint:
I submitted a check payment in full via USPS in around XXXX XXXX, but the amount was not posted until XXXX XXXX, two days past my due date. XXXX charged me a {$27.00} late fee and {$28.00} in interest. 
They refuse to refund my money when I called to complain. 
This card has an annual fee of over {$200.00} that I have already paid. For what it is worth, this card has award miles associated with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have received my Capitol One Bank Credit Card 3 weeks ago, until now I ca n't access my credit card online, I gave them several calls from 3 weeks ago I even visited there branch office to get this fix, until now no resolution, I have been promised several times 72 hours every time I call, fast forward to 3 weeks now still no resolution not even a tracking number for my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Recently attempted to purchase a car and got news of the state of my credit report. There has been a credit card and several banking/financial setbacks on my credit. The only items attributed to me are : student loans, XXXX phone cancellation charge, and late payment to 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 2017-04-11
Company: Paypal Holdings, Inc
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
My wife and I opened our accounts with Venmo which is a PayPal company. My wife transferred {$600.00} to my Venmo on XX/XX/XXXX, and then {$990.00} and {$800.00} on XX/XX/XXXX in XXXX transactions. However, Venmo froze my account and and wife 's account on XX/XX/XXXX. Next day they sent my wife and me an email to send Govt. issued ID for account verification. After I sent the docs on XX/XX/XXXX, and my wife sent on XX/XX/XXXX, they have not yet unfroze our accounts. It has been one full week and there is no satisfactory response from them. Their account team is email based. They do not talk on phone. I want to know 1 ) What process they follow for account verification? 
2 ) Is their account verification based outside of US? Because they seem to send emails at odd hours. 
They are using our money from last so many days and fail to respond and give a timeline as to when the account will release my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Dealing with XXXX XXXX was a pain. They were never clear about how to pay and any time I said I could n't pay the rates they were asking for and mentioned a lower rate, they denied it. So I defaulted on my loans with them because I could n't afford their rates. Many times I got them the breakdown of my current income and financial status. We even started repayment plans a few times, but when my financial status changed and I was unable to make a payment they were unwilling to help me so I had to default again. They even contacted my employer once without my consent to hunt me down at work and lied about who they were when my boss answered. One time I made a payment plan with them but they never followed through. They have also changed my loan servers so many times that I lost track. My cosigner finally contacted them after finding out my loan was with Navient and settled the loan on a special deal they offered. Once he paid he received no confirmation or receipt from the company. We are hoping it went through and was actually applied to my debt. If I knew that it was this difficult to deal with XXXX XXXX and their private loans as an XXXX year old trying to attend college then I would 've found another way. It seemed to good to be true and has been.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Well, I graduated College in 2007, Soon after then, XXXX XXXX wanted to collect, I tried to set up a payment I could afford, but they pushed deferment on me. The thought of no payment sounds great to a struggling single mother. As time went on and no other options where given to me when I asked for payment relief it was never anything I could afford, so my family suffers from high payments. I find my childrens needs much more important than Navients. I lost my job two years ago and all they can offer me is interest payments still way to much for me to afford! One of their employees was so mean when I was trying to work some kind of payment plan, she told me I needed to sell my car to make the payments. Totally out of line! So here I sit at the end of my six months of " interest payments " my payment is now {$80.00} more, I have no options but to be delequent? I have Federal loans that are under Income Base Repayment this is working for me. It is my understanding Navient should be providing something similar? ..I just do n't have money to pay them, it finacially straining on my family. I find talking to them is demoralizing, just because I am poor. This company accutually causes XXXX, XXXX, and hardship on families.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
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 get flexible payment options

Complaint:
Every time I had trouble making payments, the reps at Navient advised me to take a forbearance and stated " it 's okay, just put your payments on hold and then try to begin payments in a year or so ''. The additional interest rates that added to my total balance make it so much harder to pay down my balance. I switched to another lender ( XXXX ) and they have me on an reduced payment program. I feel that the interest added on by Navient should be removed so I can responsibly pay off my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
Dear American Express, I am disappointed to find out that you have changed the terms and condition on all of your cards to once-per-lifetime signup bonus. Having signed up for your XXXX XXXX card and XXXX XXXX card when it was only offering XXXX points, you have now increased the sign up bonus to XXXX during recent promotion. I contacted you by phone for a courtesy match for an adjustment of XXXX which was initially declined but was later offered XXXX instead. The points have not been posted yet and I kindly ask to please match the signup bonus by making a XXXX courtesy adjustments on both my personal and business XXXX card. I have been a long time customer with you and hopefully have put enough spend on the cards to earn such adjustment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I just was made aware of the CFPB 's Consent Order against XXXX ( case # XXXX ). I believe I am one of the victims of their unlawful collection tactics. Back in 2012, my wages were garnished by XXXX in the amount of {$3600.00}. XXXX did indeed use the tactics as described in the Consent Order in my case and I believe I am due a refund and have any negative credit report information rescinded. Attached are copies of the Case Summary against me filed by XXXX along with my XXXX credit report showing negative action from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: TRANSWORLD SYSTEMS INC
State: NC
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:
This acct had been investigation by XXXX and removed it under XXXX. XXXX XXXX 2014. I would it removed as soon as possible. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TMX Finance LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
VIOLATIONS OF XXXX and XXXX and XXXX XXXX error resolution 1693d-Notice of transfers 1693 g ( a ) Action or failure to act 1693 ( a ) ( c ) Intent 1691i- When a person can issue a of means of access 15 USC 1691- issuance of means of access EFTA Violations Section 205 Unsolicited EFT and issuance of devices 205.5 Terms allowed to issue EFT device 205.7 Disclosure requirements 205.8 Change in terms disclosures increasing consumer liability 205.9 Periodic Statements UDAAP- Unfair and deceptive acts ( attempt to coerce acceptance of deposit while omission of terms ) On XX/XX/2022, at approx XXXX received a call from a man who identified himself as XXXX, a manager at titleMax XXXX He thanked me for doing business with titlemax the previous XXXX  and wanted to notify me that he deposited funds into my pay portal account totaling over XXXX dollars for me to use when I needed to. When I advised that had not set up a deposit account or the pay portal, I was advised that they opened it for me. I refused the money and directed XXXX to remove th money they deposited from my account immediately. XXXX then tried several times to convince me to accept the money which i refused. First phone call to Title Max XX/XX/XXXX notifying them about unauthorized deposit remaining in account, Sent letters in XXXX, XXXX and XXXX in reference to investigation. Advised via email they were investigating in XXXX. XXXX I sent letter requesting results of investigation and any documents and information used to reach decision, if decision was made. At the time of this complaint, TitleMax has made no attempt to reverse deposit. I have received no resolution notice, basically I have been ignored as it pertained to deposit of funds into account on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Other

Complaint:
I have paid my account balance to XXXX with Bank of America, attempting to get a mortgage for a new home by improving my credit score. They are not updating my credit report to reflect this paid in full balance. 
Please help!

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