BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-30
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My name is  XXXX   XXXX  I am a   XXXX   XXXX   XXXX   who obtained private student loans from  XXXX   XXXX  total of {$43000.00}. For my education. I graduated in   XX/XX/XXXX  and  immediately I started making payment from  XX/XX/XXXX  a total of $  XXXX  /Monthly. Here is th e summary of my loans  : 1.   {$66000.00}, Paid in total since  XX/XX/XXXX   2.   XXXX  I have paid in capitalized interest.    3. { $76000.00} is my current balance.  <P/> I tried reaching out to Navient to explain that I am going through financial hardship and I cant pay anymore and if they can settle for $  XXXX , they refused.  <P/> Summary of my situation I have never borrowed money from Navient.   Now I Navient all of sudden started contacting me and telling me that they are  XXXX   XXXX .   They used information I provided to  XXXX   XXXX  and started taking money from me.   At the time of signing my note, I was never told that my loans will be turned to someone else, they never told me what my interest rate is, never told me how and when I should pay it, never told me that my interest rate is variable, and now I am in th is big miss and dont k now what to do.   I am seeking your help in resolving this issue with Navient. At this point I believe that I never borrowed any money from Navient, although I paid all this money to them thinking they are  XXXX   XXXX  but they claim to not be. Please advise me what to do at this point. I am in serious financial hardship and cant pay anymore that what I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Numerous times have called to get a payment that was affordable to my budget. I was told there was nothing they can do to help me with payments at almost XXXX $ a month. That would leave me on the streets! At one point I was in an affordable plan and was told just call to renew the plan I did and was told I can not get back in the same plan! It 's a scam and they do not work with you! And mKe more money by allowing customers to go into default intentionally!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Bank of America. I current principle balance of {$80000.00} on the original loan amount of {$92000.00} with original appraisal was {$100000.00} which put me at 22.3 percent equity in the house or debt of 77.7 percent. Bank of America had advised verbally that my PMI would automatically roll off after I reached 20 percent equity in my home. I have reached better than 20 percent equity in my home yet Bank of America consistently denies to remove the PMI. They have indicated it will automatically come off XX/XX/XXXX but at that point I will have paid well over {$800.00} from this point until then which is outrageous. 
At closing my lender was not onsite to disclose to me the documentation that I was signing. My lender specifically XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX at phone XXXX. The title agent was not knowledgeable enough to answer the questions I had regarding the paperwork. 
I have reviewed the documentation from my closing and have been thus far unable to find a PMI document that Bank of America has stated I signed/initialed regarding their PMI practices. Bank of America has indicated that I can, at my own expense, request an appraisal from ONE OF THEIR APPRAISERS and pending the value of the home not diminishing since the original appraisal XX/XX/XXXX they would remove PMI. All of the values of homes in my neighborhood have only been increasing based on sale prices alone. Bank of America has no standing or grounds on which to base their assumption that values have decreased since I purchased my home, but there is irrefutable evidence that values have increased. Additionally, I do have an appraisal report from a qualified appraiser indicating the value of my home to be in excess of {$120000.00} in the home 's current condition. I will be submitting to Bank of America a QWR as well as the appraisal in-order to have a copy of all the documents Bank of America has as well as to have the PMI removed. 
I feel their business practices are unfair and deceptive regarding their disclosure of PMI and requiring a borrower substantiate a non-decreasing value of a home when all property values regarding the neighborhood are increasing is unfair and puts a burden on the home owner that is fair from warranted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: PRIMARY RESIDENTIAL MORTGAGE
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was contacted by a mortgage broker that works for the company where I got a mortgage original mortgage approximately 20months ago. He asked if I was interested in refinancing to lower my payment. I told him that I really had n't thought about it because it had n't even been 24 months since my original loan. He asked if I wanted him to run the numbers and get back to me if it seemed possible. I told him that would be ok but I was n't signing anything. A couple days later I was alerted by XXXX that my credit had been run by this person. I never gave him permission to do that and when I confronted him regarding this, his reply was, well how else would I run the numbers. He said he pulled my file from the company database. I 'll repeat myself, I never gave him my social security number and I never gave him permission to run my credit and I am extremely upset about this!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
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 have Navient, which is being sued by you all I heard. If you want my voice heard, you will hear it cause I cant seem to pay off this college loan that I have. I completed my XXXX with the University XXXX XXXX online program! I currently owe about {$16000.00} more dollars, but now it keeps going up and never down. I called Navient cause I have never missed a payment. However, cause I was paying {$260.00} a month, the interest which is about 8 % does not cover what I actually owe. In other words, Navient said in order for my loan to go down, i would need to pay {$500.00} a month. I cant afford that and I am drowning trying to pay off my other bills that I have all the while, the interest keeps building. The other problem is that i had my loans consolidated and they said because of that, its a fixed interest rate which I will have till I pay off this loan. There is absolutely nothing they can do to help this loan go away. They said there are no options for me. I can pay less, but if I pay less, the more I owe in interest! There is no way to change that. I have been with about XXXX other loan companies before Navient cause something happened to each company and were bought out by another company and have paid on this loan since 2012 I believe. From the beginning my loans were consolidated, but was never told especially now with Navient what my options were. As soon as Navient took over, i was not told what my options were, or if I could change anything to make it easier to pay off my loans. I feel cheated by Navient and the last few companies I dealt with. Also the University XXXX XXXX is a fraud! They use sales tactics to get you hooked in to enrolling you into college and use pressure with the loan comapnies. I regret ever going to college! They hooked me up with XXXX XXXX and that was the biggest mistake I ever made. I was given bad information by the university XXXX which led to XXXX XXXX which provided me with bad information and I feel cheated and deceived, and now that Navient took over, I feel no different! Now I am paying {$170.00} a month, and I am back up paying what was once lowered. I need help! I feel stuck and frustrated cause I am not able to pay off this loan that could have been paid off had it not been for the stupid interest rate! I feel for everyone else who is struggling! I thank you CFPB for this lawsuit on behalf of all of us who are struggling. Keep me informed about this lawsuit, how I can be part of it, and if this is a win, how I may get some financial relief from it! I tell people now, go to XXXX college and learn a trade or skill such as XXXX., dont go to learn and get a degree with no skill or trade! Its a waste of money and you will end up regretting it as I have with nothing to show for it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not give my consent for them to report late payments to the credit bureaus. Also, my privacy was violated by doing this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Equifax failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XX/XX/XXXX they got a hard inquiry on my credit report today inquiry I didnt request ... 
XX/XX/XXXX XXXX got a hard pull I didnt request i never applied for nothing I disputed the inquiry and the refused to remove it XXXX XXXX XX/XX/XXXX have a hard inquiry on my account i did not to or approved I disputed the inquiry but they refused to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XX/XX/XXXX they got a hard inquiry on my credit report today inquiry I didnt request ... 
XX/XX/XXXX XXXX got a hard pull I didnt request i never applied for nothing I disputed the inquiry and the refused to remove it Credit acceptance XX/XX/XXXX have a hard inquiry on my account i did not to or approved I disputed the inquiry but they refused to remove 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 with explanation
Consumer complaint received 2016-09-20
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient has been on my credit report for some time now and refuses to come off. I have never had a loan with them. Magically one day they appeared on my credit. They do not have any signed written or documentation to prove that I have ever opened an account with them. I want them off of my credit. This is clearly fraud and they must be in the bed with all XXXX credit bureaus. I am filing this complaint before taking them, as well as the credit bureaus, to my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Made payment of {$2500.00} on XX/XX/2022, the payment cleared my checking account the same nite! Now 13 days later and the creditor has not made this payment amount available in my available credit! Not acceptable. Why?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity theft and have a address that doesnt belong to me on my file and a bunch of inquiries inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ 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 2017-11-22
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-28
Company: Square Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I applied for an account at Square and they are stating they ' can not verify my identity ' which makes absolutely no sense. I have bank accounts, credit cards, pay taxes etc and I have documentation to prove all of this. As well as a licensed LLC in my name with an EIN tied to my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: AXOS FINANCIAL, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i've gone for a home loan and they pulled up the report and find many hard inquaries that are not due to my asking.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Inaccurate addresses reported never lived here XXXX XXXX XXXX village XXXX NC XXXX Balancing XXXX XXXXt XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Card # XXXX XXXX XXXX XXXX Card # XXXX XXXX XXXX XXXX # XXXX The information listed has no relation to me I have not entered any agreement with any agency listed. Nor am I connected with theses inaccurate addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion failed to comply with the Fair Credit Reporting Act 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : 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 non-monetary relief
Consumer complaint received 2022-05-21
Company: Radius Global Solutions LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After bring a customer of XXXX XXXX XXXX for approx. 20 years, they began fraudulently charging me for services not used and after termination of services. They placed fraudulent debt on my credit report through multiple collection agencies. The debt has been removed numerous times but has now reappeared as a collections account by Radius Global Solutions. The account, which is several years old, is fully disputed yet XXXX XXXX  XXXX and Radius Global Solitions have fraudulently listed the alleged debt as a new debt. This is fraudlent, it's harassment, and it's illegal. The is at least 4 to 5 years old now. I have asked XXXX XXXX XXXX countless times to sue me and take me to trial. They refuse to do so because they know they will lose.

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 2015-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America ( BoA ) [ after just settling a class action lawsuit for their predatory fees structures ] has instituted yet another predatory policy that charges customers an overdraft transfer fee of {$10.00} *per transaction* ( no matter the amount, and with no cap on # of fees XXXX for automatically moving funds to cover overdrafts between customers ' linked accounts. For example : today, I received an email notice ( after the fact ) that my checking account was overdrawn by {$14.00} and " overdraft protection '' was applied from my savings, along with an " overdraft transfer fee '' ( OTF ) of {$10.00}. This has happened before, especially when I travel and use my debit card during the weekends and holidays. I 've been charged {$10.00} fees on overdraft transfers as small as {$1.00}, and I 've accumulated XXXX dollars in XXXX fees over the last few months. There 's no human effort involved in moving my money between my linked accounts XXXX which I setup specifically with overdraft protection ), and no clear rationale for why {$10.00} is necessary for these automated transactions. BoA is just arbitrarily collecting fees because they can. That 's insane! I 'm a XXXX student, with limited income, and these fees are killing me. I 've contacted BoA several times to request refunds and adjustments to their automatic OTF policy with no success. Please help. This is a legitimate issue for folks with limited incomes and understanding of how to avoid/fight these fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-13
Company: First Associates Loan Servicing LLC
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I chose to go to XXXX XXXX XXXX. When I applied for my student loans, it happened so quickly that I was n't even sure of what I signed. I was also told that through an XXXX program XXXX credit- I would have some, if not all, of my tuition reimbursed if I kept a grade level above XXXX which I did. That program then magically disappeared once I got in the door. I was told that ny student loans would go to XXXX XXXX and then they would be split between federal loan institutions. That did n't happen. Some of my loan when to XXXX XXXX, and the other part went to XXXX XXXX - a collection agency and private lender. Since they are a private lender, my interest rate is above 10 % and they refuse to work with you on lowering payments. This was a HUGE issue when I graduated. I called and asked when my first payment was due, and was originally told XXXX. a month later I received a call that my loan was in default and I had n't made my first payment that was due in XXXX. I explained that I had called and was told my payments were due in XXXX. They refused to listen to me, or work with me. I ended up owing over {$500.00} for my first payment with them because they refused to work with me. I could n't eat for a month because I had no money. 
This was above and beyond predatory lending on XXXX 's part and on XXXX XXXX ' part.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation