BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My son died in California XX/XX/2017 now since my sons account has been suspended they say they can not do chargebacks on charges that happened after his death. His account has been debited up to 5-times since his death. Nobody else had his debit card.

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 2015-03-26
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Loan is with American Education Services Acct # XXXX I 've only had one day of work since XXXX and got behind on my payments but I was never 30 days behind. The last XXXX payments have been for more than my minimum payment in an effort to catch up. Last week I started getting phone calls from something called XXXX Bank about my account. I just called AES and a representative claimed my account was 34 days late. She could not find my last payment of {$95.00}. My minimum is {$82.00}. I made the payment online through XXXX bill pay on XXXX XXXX the same way I 've been making payments to them since 2011. XXXX indicates it should have arrived on the XXXX. Today is the XXXX and AES is not showing the payment which is making me over 30 days late which is not correct. The representative demanded I send tracking information from my bank which I refused to do. AES is notorious for not crediting payments in a timely manner and this time I caught them red handed. Please have AES credit my account in a timely manner and remove any negative credit reports they 've made in the last few months. I 'm almost done dealing with this criminal organization and I would appreciate you keeping a close eye on them. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-23
Company: Global Resolution Group, LLC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Unsolicited calls from : Global Resolution Group XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: Schukei Chevrolet Volkswagen
State: OH
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
turned in leased vehicle, which I was suppose to either get another leased vehicle, or a new vehicle. I purchased a new vehicle in 2006. I was charged even though the agreement was that I would be able to take ownership and make payments. My car was repossed in XXXX the creditor changed hands 3 times, each time extending my lateness. car was sold at auction. it has been over 10 years and XXXX continues to have no information of my payment history, yet they do not know how much I paid, they say I have no late payments, they closed account and tell me I still owe XXXX. It was 10 years ago I purchased an XXXX, between my lease return, and purchasing the new vehicle, the XXXX original lender, sold my car note, then XXXX owned it and sold the note again to XXXX. XXXX is charging me for a repossession they have no explanation for what late payments, what paymens were made, and it is long overdue to remove this from my credit report since it looks like I own XXXX cars. my personal information was exchanged through all these agencies, and sensitive information. Phone calls 6x daily for years. I am now on XXXX, I was able to have XXXX and XXXX remove from credit report, but XXXX will not. They say it is closed account with outstanding balance of XXXX they charged me as if I never turned in the leased vehicle fully paid on time, added insurances I declined, and threatened me when I told them I was going to contact XXXX in Ohio XXXX the sales dealership was XXXX XXXX, XXXX, Ohio. I have no agreement with XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I recently visited XXXX, Equifax, and XXXX websites and purchased the credit score and reports products. The issue is that when I apply for loan through a lender all XXXX credit scores were completely different and drastically lower than what the website showed compared to what the lender provided me with. I contacted the XXXX credit bureau 's and they told me my score was based off educational score which when explained to me did not make sense. I then contacted lender and went to there office provided the online scores from each credit bureau 's. The lender explained that scores would vary but should n't have varied that much. XXXX shows XXXX actual XXXX ; Equifax shows XXXX actual XXXX ; XXXX shows XXXX actual XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
After first consolidating all of my loads with Fedloan Servicing, I have been attempting to get on the Income Based Repayment program since I received my new federal government job and my income increased and I qualify for the 10 year loan forgiveness repayment program. I submitted my documents twice. Every month they say they will calculate and notify me of my new payment but every month all they do is send me the same bill with the same INCORRECT amount due. This has been happening since XX/XX/XXXX and it is now XX/XX/XXXX, and I am really frustrated. I just want to repay the amount I owe, not have to call and re-explain everything every month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-16
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I was late verifying income, so my payment shot up by a factor of XXXX. That means FedLoan grabbed almost {$3000.00} out of my checking account, and by the time I found out what was wrong and reverified my income, another {$2900.00} payment had posted. They are now demanding that, even though it was due to a paperwork issue and even though I am making current payments. When I try to get help with the issue, they give me the runaround. This is the worst operation on the face of the earth.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-05
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
To whom it may concern : I applied for a fha XXXX loan to repair some roof damage to my home. I have very good credit and a long and stable job history. The value of my home covered the increase easily. The loan took over 1 year to close. My loan agent charged me {$3900.00} in points to lower my interest rate from 4.5 % to 4.5 % XXXX no it is not a typo, no change in interest rate XXXX. When I questioned him about this over the phone ( late closing ) he gave told me he was going to research it. During the closing I asked the escrow agent and she could not explain it to me. In order to justify the addtional fee, the loan agent ignored the instructions from the XXXX XXXX consultant and only accounted for partial fees that should have paid for my XXXX fees. I believe the agent knew what he was doing and stalled for time since he is no longer working with XXXX XXXX mortgage. I was purposely mis-informed, lied to, and the mortgage agent took advantage of my need to get my house repaired. I have reached out to the mortgage company and their management I am being ignored. I am now concern for that my credit identity and assetts may have been compromised since the agent in question has all of my personal information in order to process my loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The XXXX XXXX XXXX is reporting duplicate chargeoff on my credit report. Both was a part of an identity fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: Paypal Holdings, Inc
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
im a seller on ebay so I did sold a very expensive bag to a women in California at the beginning I have to open unpay case on her since she did not make the payment she she say was sick finally she pay and next day want to cancel the payment I did it later want to pay so she did throught paypal I send the bag so 2 day later she email saying she was on vacation and she came back the package was left with the neighbor and the package was damage and the bag was not there I told her to call the police she say no because police will not do any thing that she want we try to collect from the post office she was not concerned at all and I believe she did it with the neighbor now after 1 month she turn it to paypal and they took money from my account and refund her XXXX dollars from my account so now she have the bag and my money I use paypal to pay for muy post office shipping so they can clear see the I shipping the bag they have the trcking number and everything but still give the money to her im at total loss please help me this is not right I have all the proof the I shipping to her

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hello, i was looking through my credit report again couple of hours ago, and notice items that i been going back and forth with the 3 credit bureaus since XX/XX/2017 and they yet to get them resolved. I've called, mailed several letters and asked for update and they haven't updated those items. There are several accounts listed with multiple inaccuracies and it's a total violations to the state and federal laws. 

XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX  XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report.

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 2017-04-08
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Credit bureau is reporting inaccurate information to credit file, I have no accounts or contract with creditors. In addition unauthorized inquiries were listed. 
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 Acct # XXXX XXXX XXXXAcct # XXXX XXXX-Acct # XXXX I have asked for proof of Id of person who open the accounts as well as other identifiable information

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 2017-04-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I disputed the accuracy of a collection by a collection agency. The item was deleted by Experian on XX/XX/2017. It was them reinserted on XX/XX/2017. I did not receive a letter from Experian giving the reason for reinsertion, as is required by the 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 2017-04-05
Company: Lyons, Doughty & Veldhuis, PC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Based on information and belief, this not my debt. I have requested over and over for verification of the alleged debt. They have never sent me the verification because they keep changing the Collection Agency. Now they continue to call and make threats to me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: Exeter Finance Corp.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Hello I am a consumer and I am writing in reference to a vehicle I had repossessed by Exeter finance in XX/XX/2016 which i never recieved any documents concerning the repossession because I had moved out of state and was in the hospital for a few m I nths due to a XXXX so when i finally got out a few days later i found out that they came to my sisters house and made a big scene when they repossessed the vehicle embarrassed my family and i had no idea i was in default. The vehicle was sold Unbeknownst to me I havent recieved the amount it was sold for but the value of the car on blue book is between XXXX to XXXX dollars the finance company is still reporting I owe XXXX dollars all though they have sold the account to another collection agency I disputed this with XXXX and they still have not removed this account because it is not accurate and Exeter doesnt own the account anymore and I have never contracted with the agency it was sold to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Please see CFPB Case # XXXX and OCC Case # XXXX. I received a response concerning the cases cited above from Wells Fargo Bank ( WFB ) dated XX/XX/2917. That response is attached. In that response WFB admits they acted contrary to the laws of the State of California. I ask that as part of your investigation your review this illegally obtained recording of my telephone call with WFB. You will discover that not only did I ask not to be recorded but WFB advised me that I could not talk with them unless I consented to being recorded. Instead of providing and immediate remedy by removing the illegally recorded telephone call from their database, WFB advises in their response letter that I must now send a separate " letter '' asking them to remove the illegally recorded telephone call. WFB in their standard method on operation has not only demonstrated clear and deliberate indifference for law and statute they now want to place further burden on me to get their illegal activity remedied. This kind of indifference should result in swift and substantial monetary sanctions imposed on WFB in an amount so as to induce WFB to get their act together.

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 2017-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have recently checked my credit report and noticed that under public records there is a record of my BankRuptcy. the Credit Bureau are reporting a bankruptcy. The courts do n't verify that information that information was pulled from a third-party reporting therefore it needs to be deleted.

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 2015-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/XXXX, I become injury at work. On XXXX XXXX my employer let me gosince XXXX XXXX I have been injury and out of work, I contact Bank of America to seeking for help. In three times they denied simply they said YOUR LOAN MODIFICATION APPEAL HAS BEEN DENIED WHAT YOU NEED TO DO NEXT IS SHORT SALE OR DEED IN LIEU OR FORECLOSURE WHAT HAPPEN WITH BANK OF AMERICA. 
" I believe that banking institutions are more dangerous to our Liberties than standing armies. If the American people ever allow private banks to control the issue of our currency, first by inflation, then by deflation, the banks and corporations that will grow up around the banks will deprive the people of all property-until their children wake up homeless on the continent their fathers conquered. '' XXXX XXXX XXXX XX/XX/XXXX THEY GIVE ME A MODIFICATION BUT TO BE TRUE AT THE BEGINNING IT WAS OK BUT NOW THE INTEREST IS UP AND UP EVERY YEAR AND AT THE END IT WILL BE THE SAME THAT I JUST PAY WITH COUNTRYWIDE. 
THAT 'S WAY SEEKING FOR HELPI NEED HELP PLEASEON XXXX XXXX I JUST CAN MAKE MY PAYMENT AND I DO NOT KNOW WHAT IS GOING TO HAPPEN IF YOU NOT HELP ME PLEASE

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-03-09
Company: Exeter Finance Corp.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I got a 30 day late XX/XX/2017 and it 's reported on my credit report that payment was made on XX/XX/2017 when it was actually made on XX/XX/2017. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: National Credit Systems,Inc.
State: NY
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 collection account on my credit report with National Credit Systems in the amount of {$4600.00} for XXXX. This account does not belong to me at all. This was for my sister, XXXX and not for me. This was for her dorm room in XXXX. I live in XXXX so how is this debt possible. My sister said she is willing to pay this debt off so please contact her and remove it from my credit report. Also, I contacted and FDCPA attorney to see if there were any violations on the letter that was sent to me on XX/XX/2016. He told me to file a complaint with XXXX or XXXX because the violation was they are supposed to put the name of person on the letter in which I can contact with any questions. He said they did n't do that.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
In XXXX I obtained a private student loan from Navient ( formally XXXX ). I had to apply for a private loan because my ex wife was XXXX with my son and she could no longer work. I had to use my ex father- in- law to co- sign the loan. They promised to take him off the loan after two years as well as consolidate my loans. Its been over ten years and Navient has never helped me in any way. For 7 years I never missed a payment and during the economic downturn in XXXX I lost my job and since then I 've never been able to recover. For all those years I paid {$320.00} every month for both my federal and private loans and now in recent years I have to pay $ XXXX month even though I 'm earning a fraction what I was earning before. They refuse to assist me with reducing my monthly payments or in any other way. They have made the payment process extremely confusing over the years. One representative would tell me one thing then another would tell me something totally different. I simply can not pay {$500.00} per month! I earn minimum wage. even if I 'm a day late with a payment, they call my ex father- in- law numerous times a day and harass him. He 's an elderly man and it XXXX him out. I feel so helpless in this situation! 
Its also obvious that Navient has not been applying my payments to my loans. I have a billing summary from XXXX where my balance is {$25.00}, XXXX. 
My current summary states that I owe {$24000.00}. After making payments for almost three years, my balance has gone down by a mere {$1000.00}. How is this possible? I really want to do the right thing here and pay off the loan but {$500.00} is way too much / month on my salary. I do n't know what to do. I just want them to reduce my monthly payments and leave my ex father-in-law alone.

Company response to consumer: Closed with explanation