BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-16
Company: Navient Solutions, LLC.
State: TN
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 received multiple private loans from XXXX XXXX in XXXX to attend XXXX XXXX XXXX XXXX in XXXX, TN. Due to medical issues with my son, in XXXX, I filed bankruptcy. My bankruptcy was discharged XXXX XXXX, XXXX. During my bankruptcy, XXXX XXXX became Navient. Since my discharge, I have made multiple attempts to reconcile my student loan debt, including settling several of the loans. When I log into the Navient.com website and XXXX of the settled loans continue to show in a past due status. Another of the private loans, shows current but Navient refuses to apply any of the money paid them to the principal, apply it only to the interest. On the loan detail page, it states that my repayment plan is Full Principal and Interest, yet when I call Navient they state it is in an Interest Only repayment plan. On that same loan, in regards to the repayment, they send me a paper statement that I do not have a payment to make, then but I see on the website that they are expecting a payment. I call to the customer service department and they immediately transfer me to the collections department, who then states that my loans are not past due, so they proceed to transfer me to customer service who continues to be unable to help. I asked to speak with a manager, at which time I was placed on hold, then received a message stating that they were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Lennar Financial Services, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Contracted with Lennar Builders and Lennar Mortgage XX/XX/XXXX. Closing date pushed back several times with little to no communication. 

XX/XX/XXXX I reached out to LO at Lennar Mortgage to lock rate, she recommended I continue to wait for closing confirmation. 

XX/XX/XXXX received an email notifying me a lawsuit is pending on the new development for mold/mildew. Lawsuit states some units uninhabitable. Received a contact for questions in that email, reached out to that contact and sellers agent multiple times via phone and email, no response. 

XX/XX/XXXX sent LO email I would like to lock rate. LO did not respond for days and then relayed that the condo may be unwarrantable. Asked about financing options, LO could not assist. Asked on phone and email to speak with a manager. No communication. 

XX/XX/XXXX Contacted by closing attorney that I have to choose another closing attorney because of conflict of interest due to litigation. Called recommended closing attorney I work with and they said that they had a closing date of XX/XX/XXXX. 

I still have not received formal communication about the closing date. I cant make necessary arrangements for moving. This creates an issue for me to stay housed during the unknown delays. 

I dont know what my financing is going to be, no one will speak with me. I dont understand what my rate could be, if I can still get financing. 

Called the attorney that file the lawsuit, he said there are two lawsuits, another for brick brought by the HOA. I did not receive a copy. I emailed the Lennar contacts I was given asking for a call and copy of lawsuit, but received no response. 

I am confused, I dont know if I have a home to live in within the next 60 days, if I have enough money to put down, and if my unit has any mold or bad building materials.

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 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2020 Transunion is lacing my credit report with false entries again. 
XXXX XXXX XXXX XXXX XXXX XXXX is a CLOSED fraudulent account. Transunion is reporting missed payment-this is a lie. 

Transunion is to delete all auto hard inquiries from unknown source entries. Clean up my report FCRA!!

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 2015-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I applied and was awarded a Bank of America Platinum MasterCard in 2013. They approved and awarded me a credit limit of {$10000.00}. I have paid consistently without incident. Now they have dropped my limit to {$8600.00} which has impacted my credit score because I owe {$7500.00}. So instead of being {$2500.00} away from be 50 % below the limit the credit limit keeps getting reduced as I pay the credit card down. So my credit score is lower then what it should be due to no fault of my own. Please request that Bank of America increase the limit back to {$10000.00} as originally agreed. They do not have to permit or allow any future charges, but I want my credit score to increase by having them maintain our original agreement. Thank you for your assistance with this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I opened a Rewards Money Market Savings Account with Bank of America. Upon opening the account, I was informed that a {$12.00} monthly charge existed unless certain conditions were met, including linking my savings account to a Bank of America Checking Account which I also have. I proceeded to follow the steps to link the accounts and confirmed on the Bank of America website that my accounts were linked. However, I noticed that my account was still being assessed the monthly maintenance fee. Upon calling Bank of America, I was informed by a customer service representative that the " linking '' of accounts occurs behind the scenes and is not customer initiated. I was informed that I had only " linked '' the accounts for overdraft protection, and despite the information on my account webpage stating that the accounts were linked, they were not linked for purposes of waiving the monthly maintenance fee. I was further informed that I could not see from the website whether or not my accounts were " linked '' for purposes of waiving the monthly fee. Please be aware of this misleading a deceptive practice by Bank of America. While it cost me a relatively small amount, there could be much greater effects for others.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX  XXXX 15 U.S. Code 1666B - Correction of billing errors For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2022-07-13
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XXXX, I wrote a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored over my disputes. In Section 611 ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also compromised by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I am a Bank of America costumer and I have had my debit card replaced 3 times in the past 9 months because of a " data breech '' at an " undisclosed merchant. '' Bank of America will not disclose WHO the merchant ( s ) are or the situations leading to the breech. Going thru and updating XXXX auto-pay accts every 3 months is a hassle and as I am the customer, I feel that the absolute LEAST Bank of America can do is inform its customers of how/why my information was released. It 's as though they are protecting merchants instead of their customers

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Southwest Recovery Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest recovery services contacted my about a credit card swiper that was not returned. They could not provide proof of a contract, a signature, nor proof that a credit card was ever swiped by us on any kind of credit card machine. We do not use them as we are a wholesaler. Customers do not come into our factory. We don't have a public face and have no use for a credit card swiper. I repeatedly told them that the debt was not mine. Some how they got my personal info and put a derogatory remark on my personal account. We are shopping a mortgage and they tanked our credit. I feel like this is extortion. They want me to pay them to go away. They are scammers and need to be taken off the market place. Please help us, they should not be allowed to get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Experian Information Solutions 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've disputed this account and submitted an FTC report for this fraudulent account. The company keeps changing their name as well. I need this account deleted. I did not apply for 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 2021-08-27
Company: Self Financial Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened self.com/lender account aka an investment credit card in XX/XX/XXXX. Every XXXX and XXXX of every month self.com were paying themselves {$35.00} from my XXXX XXXX checking account XXXX by writing themselves a check for {$35.00}, payable to self.com. Those funds are for my personal needs in the near future incase of an emergency. Self.com back in XX/XX/XXXX closed my account ending in XXXX my investment of {$740.00} they kept, I never used those funds I invested in myself. They closed my account because I mailed them a letter informing them I was XXXX  with XXXX and that I would be mailing my monthly payment late, instead of cooperating with me, or at least showing some kind of sympathy they closed my account and kept my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX  XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$5800.00}

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 2016-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I requested a loan modification with our Mortgage Lender ( Bank of America ) in XXXX for XXXX and XXXX loan. In XXXX Bank of America finally approved our Loan Modification request. Recently, I have been getting calls from a XXXX XXXX company stating they our Mortgage Lender to our home. We have been making out payments to Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been trying for almost a year to get into an affordable repayment plan with my private student loan servicer, Navient. First I tried an interest only plan, but even that was almost $ XXXX/month, on top of the $ XXXX/month I have to pay on my government IBR plan. After multiple attempts at contact ( often having to wait on hold for extended periods of time and being transferred to multiple different people ), I was finally advised that I MAY be eligible for an alternative payment plan ( no details on what that means have ever been given ). I was sent documents asking for my personal financial information, as well as the personal financial information of my co-signers. When I asked my co-signers to complete the forms for my financial assistance application to Navient, they asked why the servicer needed their information to determine whether or not I was able to afford MY monthly payments. I again contacted Navient and conveyed my co-signers confusion. I was advised that, if my co-signers financial information showed that THEY could afford my current monthly payment, my application for a lower alternative payment plan would be denied and they would simply collect from my co-signer after I was forced into default. This is exactly what they and I both feared. While we understand that a co-signer is equally responsible for the full amount of the debt, the co-signer is only supposed to be collected upon if I disappear or otherwise refuse to pay my debt. The lender should not force me into default just so they can collect the higher payments from someone who was doing me a favor to further my education. I am trying to work with Navient in good faith to establish a payment schedule I can afford. Their callous disregard and refusal to work with borrowers who want to repay their debt is unfair and abusive to both borrowers and their co-signers. I only have two months of forbearance left and I fear my co-signers and I will end up facing negative consequences if Navient is not forced by the CFPB to act ethically.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: AES/PHEAA
State: PR
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 've applied to the Department of Education for a Student Loan Discharge based on False Certification - Disqualifying Status, as outlined in 34 CFR 685.215. They have denied me four times, citing a reason that is not supported in law. I have met the eligibility requirements to have my student loan discharged, but they are unwilling to do so since they are the holders of the debt. I am attempting to seek relief. Keep in mind, that the only reason they can come up with to deny my application is one that is specifically not included in the law. This is testament to how strong my application is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a Notice of Collection Placement letter from EOS CCA on XX/XX/XXXX. The original creditor was listed as XXXX for {$40.00}. I have received no bill from XXXX at any point before this, and I have a wireless account from them that is in good standing. I called the number for the Consumer Relations Department for EOS listed on the back on the notice. This was XX/XX/XXXX at approximately XXXX XXXX. 

I was connected to an associate who I believe said her name was XXXX. She asked for the account number listed and I gave it to her. She then asked if she was speaking to XXXX Something of a city in Pennsylvania. I said she was not. I am in no way related to this person. She then read me the last three digits of this person 's social security number, which seemed strange, and I said again that that wasn't me. She then apologized, and asked if she was speaking to [ my name ]. I said she was. 

XXXX then asked for some personal information ( I don't remember what it was ), but I said I was uncomfortable sharing that based on what had just happened. She said she understood and apologized again. She used the word " actually '' often throughout the call in a way that seemed strange. 

I asked for information on this debt, she said the company it was from and the amount. She mentioned the date of the service for the charge -- it was a service provided over two years ago that I had worked out payment for with XXXX itself at the time, and I have not received a single bill from XXXX since then. I have no reason to believe I owe them any money. XXXX then told me unprompted that someone else she knew had that issue and they called XXXX but they were referred back to EOS, the collection agency. I asked if there was documentation of the charge and she said, yes, XXXX had supplied the documents. I asked to see them. She said she could send them to my email. I said I also wanted to know how to open a dispute. She didn't answer and asked if I would be closing the account today. I asked if closing the account meant paying the charge, and she said yes. I said I wanted to see the documents from XXXX because I did not think I owed any amount. She then said she could email me documents and asked me to hold on a moment so she could arrange the documents -- I could hear typing in the background for a number of seconds, then the phone cut off. 

This was extremely alarming behavior for a debt that I believe I do not owe. I'd like to find out if I do, in fact, owe anything, how I can see those alleged documents from XXXX and how I can dispute this debt if necessary -- but I now feel extremely uncomfortable going through the collector, EOS CCA, and I suspect the debt is not real. Thank you for any help you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX-Date of Inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation