BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-02
Company: Navient Solutions, LLC.
State: CT
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 am a parent co-signer on my children 's student loans with XXXX, Navient and the XXXX. I want to pay down principal but ALL of them refuse to apply the extra payment to principal. I sent written instructions to XXXX twice and they ignored them. All of them apply it to the next payment. I sent an email to Navient and they sent me a generic " how they apply extra payments " with NO instructions about paying down principal. I 'm so tired of hearing about people in default. We want to pay it off sooner and all of them are blocking us from doing so. I believe this is intentional. 
If you could help me with this, I would appreciate it. If not, I 'll contact my Senators.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a phone bill from XXXX, stating that I owed XXXX in XX/XX/2021. Never had an XXXX account nor any of my family memebers. Called the customer service, the customer service representative told me not to worry about it without further explanation and just hung up the phone. On XX/XX/2021, I received a debt collection agency noticed that the debt is owed.

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 2016-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am facing a foreclosure sale by my mortgage lender Bank of America. I have gone through major hardship the last few years and was hopeful that they would negotiate with me fairly, but instead they have ignored my repeated requests for assistance. I am a single mother raising XXXX boys and this is a bank that received billions of dollars in bailout money from the government. This is not right. 

I bought my home in XXXX. At the time my husband worked full time and was the primary source of money. I worked several part time jobs. Not long after I bought our house my husband was arrested and went to jail. I suddenly had to not only raise the children but was the sole source of income. I was able to make ends meet for one year, then I lost XXXX of my XXXX part time jobs. My husband was released from jail but was XXXX, and I was in desperate need of help. I fell behind on my mortgage first in XXXX and tried to get Bank of America to work with me but could not make any progress. I did not give up and was able to find new work and somehow balance this with taking care of my boys. I eventually came up with {$17000.00} and paid this money to Bank of America so that I could get back into good standing with them. They gladly accepted this money. I told them that I needed help with my mortgage because there was no husband helping with the bills anymore and that I was barely making ends meet. Since I had paid and gotten caught up Bank of America did not care to help me. 

I ran into more problems with my employment and once again could not afford the payment and fell behind. I applied for a modification from Bank of America but could not make any progress. I called in many times and it seemed like all I did was play phone tag with the people there. They were not serious about helping me and I spent so much time trying to fix this issue but nothing came of it. 

I am very worried because they are now trying to sell my house at auction. I have a good job at the XXXX and they are increasing my hours. I can afford a reasonable payment if Bank of America would give me a chance and be reasonable, but instead they ignore me. When things were tough I did not give up, I got new jobs and worked hard to pay back Bank of America. I told them I needed help but they ignored me. I do not want to lose my home, I have XXXX boys to take care of and I fit into the rules for these government programs. If Bank of America would take the time to review my information they would know 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 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2020-03-10
Company: CAINE & WEINER COMPANY, INC.
State: PA
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:
this has been going on for way too long. i have filed many reports to the bureaus and have been in contact with the creditors. none of which resulted in anything getting done. there are falsely reported accounts on my credit from someone else and is really making my life inconvenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
XXXX has and is attempting to collect on a account from before XXXX they now have referred the account to some outside agency XXXX/XXXX/XXXX. this is beyond 7 seven years and illegal in my view. failed to contact me this was a phone from and employer XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have a credit card with Bank of America more than XXXX years ; never late payment or any problem. I was offer the check I can cash and just paid a fee and 0 % interest for a year. I call and make sure just a fee once and nothing else. So I used it and only one month later they send me a amended term I have to paid {$12.00} a month for protection fee that I do n't default the payment. I was never default or late payment why should I have to paid a protection fee. They said if I not accepting to paid a monthly fee than they have to close the account. I was totally deceived by Bank of America once they get you into using their promote now you ca n't get out of than they want to squeeze more out of you. I can cancelled the account that 's what they offer and that will ruin my credit even I have XXXX credit scroot. This is a total trap to their customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I am unsure of the school associated with the group of student loans serviced by Navient. What I am complaining about is the excessive times I am called during the day by Navient. Back in XXXX I informed Navient of the loss of my job and the denial of my unemployment compensation application. I have made payments and as of today I am approximately 25 days past due. This is no reason for computer driven calls to me at the rate of XXXX or more per day to take place. XXXX of these calls has taken place first thing this morning. I am a senior citizen and I consider this to be harassment. During XXXX of the calls yesterday I informed the representative that there was no change in my status since the day before, prior call, and that I asked to the frequency to be reduced or I will send a cease communications letter based on Paragraph XXXX of The Fair Debt Collections Act. I bring this matter to the attention of the CFPB as there may be other consumers that are experiencing this type of activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-02
Company: Navient Solutions, LLC.
State: OH
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:
In XXXX 2015, Navient Solutions XXXX Inc. sent me a statement that did not appear to be correct. In response, I attempted to contact customer service and get a complete accounting. Instead of providing me with the documents, they reported me delinquent to the major credit reporting agencies. I hired an attorney and in XXXX, my attorney requested all financial records from Navient Solutions XXXX Inc., including identification of the lender holding the note. In response, XXXX XXXX sent me a letter threatening to file a lawsuit against me if I did not make a payment. They still have not provided me or my attorney with an accounting showing the amount of money that is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/20 XXXX Called pretending to be PNC bank asked account info - i did not give it because they asked for my billing address, but did know me name. i told them i wanted the number to call back bc i have dealt with recent fraud they gave me this ext. when i called back XXXX. 

said " before we get into the issue, what is yiour billing address. '' I called PNC for real and they said they would never ask for that info they would ask for name and then list recent charges. 

FRAUD. Last week had to cancel and reopen new account bc they did this to my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 Transworld Systems Inc. Violated HIPPA in a response to a validation letter that I sent them on XX/XX/2022. They provided me a bill that included medical procedures, Dates, Cost, and date of birth.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 Have previously disputed this item XXXX XXXX XXXX XXXX, with Transunion. In response Transunion verified the item as accurate, Stating that they have verifired the information with the UNITED STATES BANKRUPTCY COURT. I contacted the court and their response was the Bankruptcy court does not have a relationship with the credit reporting agencies. It is clear the Bankruptcy cour does not report to Transunion or any other credit bureau, therefore Transunion 's response for verifying the item with the court was an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. and 1681 ) and the information must be deleted immediately.

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 2021-08-27
Company: Genesis FS Card Services, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My Indigo credit card has been locked by the credit card company because of one payment that was returned because the insufficient funds do me changing banks XXXX The payment that was returned was an additional payment I was submitted to lower my credit card debt but was not the minimum payment for that was already paid and honored try try it too I have only had this account for 2 months all my other payments have been successful and and I was only notified my credit card was locked 2 weeks after the initial lock I have respond out to the company and they refuse to unlock my card I was told I had to make a minimum payment that it's not due but I still made 2 payments as the act of good fate Is am I caught still not I have ACH payment coming out of that credit card that has known Practice and harsh rules and regulations regarding a {$300.00} account that's only been Open for less day I have another credit card with the same company which is on my destiny card of which my card was locked last month for the same reason and I'm being XXXX against all my accounts for submitting a complaint to the federal trade commission regarding that instance with that card And I'm going to the same situation with the new card Indigo credit card of which I received a offer lbecause of my good standards and payments with my destiny card My card was locked 2 weeks prior to receiving any correspondence both times and and the seasoned bit harsh for these penalties to be affected immediately on the 1st return payment Which was an additional payment Aside the minimum payment that was paid Which is a result for the complaint I made for my 1st credit card which is my destiny my destiny a month prior this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX  XXXX ( OPENED XX/XX/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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) HAS VIOIATED MY RIGHTS * 15 U.S.C 1681 section 602 A States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a acoount without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

THIS EFFECTING MY LIFE I BEEN KEEPING TRACK OF ALL MY CERTIFIED MAIL FOR TWO YEARS DOING EVERYTHING WITH NO ANSWERS FROM CREDIT BREAUES PLEASE HELP OR LOOK INTO THIS ALL MY RIGHTS ARE BEING VIOLATED FOR ALL THE MISREPORTING INFORMATION THANK YOU PLEASE.

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 2015-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
TO whom it may concern I was in XXXX working as a XXXX at the XXXX and left my account info in my book self at home in XXXX and Some how some one got hold of my debit card and pin number for my personal and business and tried to deposit bad checks in my checking accounts and my bank of america accounts was closed! Once I found out what had happen I called and explain my story but they said I was responsible if i did write my pin down in a business folder and I did n't file a police report me being in XXXX and this happening in another state I didnt know how to go about filling. as a result I was banned from bank of America forever! Also I have been reported in the XXXX with fraud on my account not being able to open checking accounts at any bank in any state reflecting my credit. Im a victim for Id theft most likey buy a family member. I am been treated like a criminal. I did nothing wrong. I would like for my accounts to be reopen with the funds that where there when i left XXXX. I think bank of america should have called me when these transaction happen so I could help stopped all of the head ache I had these two years please help my solve these issues thanks for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Forged signatures of my deceased father and step mother on XXXX note and deed. As well as loan application. By Countrywide Home LoansRefusal to take payment by Bank of America home loan servicing in XXXX XXXX, then defaulted the loan, then sold the the loan to XXXX. They never sent me notice of sale recorded with XXXX XXXX records office. And I received notice of transfer of loan to XXXX XXXX XXXX XXXX five months after transfer on XXXX XXXX XXXX. The document was dated XXXX XXXX. This was received only after calling them to report their sale being void and that I never received documents or any notice. 
Failure to allow me to assume deceased fathers loan. Required me to refinance in my name and credit. Recorded sale and transfer of XXXX forged deed and note being sold in XXXX has XXXX XXXX allegedly Vice President signature. No other signature. She has never been a vp for any company. And only a account executive. Last employed with Countrywide and Bank of America XXXX. She is listed as a Robo-signer online. Her profile online has her work history as proof. notary XXXX CA know for this kind of fraud. Request for recording made by B of A. Bank of America was not the lender only the servicer and can not default a loan in there name or transfer assignment or sale of deed or note. Only the original Lender which Countrywide went bankrupt XXXX. Also XXXX purchased and made deal with B Of A after knowing that their loans originated by Countrywide are fraudulently done by their own record of winning judgement XXXX of XXXX against Bank of America foe selling them these loans. Yet they still made the agreement. So XXXX is XXXX part knowing of fraud and still contracting and helping these defaults and foreclosures. So they are guilty willingly contracting. I feel like this shows back hand deals between companies to settle dispute. Why would either one deal with the other concerning these Countrywide loans??? 
Also cost of fees and charges go up and up. No reason for this increase in cost every year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
All  3  credit bureaus have failed to keep excellent history from a mortgage i obtained in   XXXX   to  XXXX  at  XXXX   XXXX   XXXX    XXXX   XXXX  , pa. I had {$410000.00} financed. Also i had  ( 2 ) lea ses with  XXXX   XXXX    XXXX    XXXX   XXXX  for a  XXXX   XXXX  and a lease later in  XXXX  for a  XXXX , all in excellent payment history. I never ask fo any of this to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
My credit score is inaccurate and hospital charges are incorrect. I am disputing them. Also, my credit cards have been stolen and my accounts have been hacked. This includes XXXX XXXX, XXXX, and 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 2022-03-18
Company: AMERICAN HONDA FINANCE CORP
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: Account status incorrect

Complaint:
Ive been leasing cars from XXXX back from XXXX and always had them on auto payments. My last car I leased in XXXX, XXXX. In XX/XX/XXXX, I set up an auto payment so going forward - XX/XX/XXXX, XX/XX/XXXX, etc my payments would be automatically deducted how I always had it. Suddenly XX/XX/XXXX I receive a credit monitoring alert about late XXXX payment and a huge drop in my credit score. If I wouldnt be monitoring my credit score I would never find out about it. I set up an auto payment for a reason- to set it and forget it. And I would assume if XXXX wouldn't receive a payment they would make an attempt to contact me via email/phone number. There was an obvious glitch with Hondas website system because when I found out about missed payment through the credit alert I tried to log in to my XXXX online profile but it totally disappeared and I had to add all over again with the help of Hondas customer service. Its not my fault that Hondas website had a glitch, besides that no one had a decency to contact me and let me know about the late payment they went ahead and reported me to credit bureau. I always had a perfect payment history and I had no problem making a payment. I know I set an auto payment. The minute I found out that something was missed I made a full payment. So my credit report and score should not suffer due to Hondas systems glitch, careless customer service and negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am receiving letters from Portfolio Recover Associates, LLC saying that I owe {$1200.00} from a transaction with XXXX XXXX  on XX/XX/2019. I do not have a XXXX XXXX account and believe that this is fraud.I called Portfolio Recovery to say that I did not make this transaction and they are asking for a lot of personal information which I am suspicious of. My attorney advised me to contact the CFPB to resolve this matter.

Company response to consumer: Closed with non-monetary relief