BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-25
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have been getting these collection letters from an agency called L.J. Ross and Associates in XXXX these letters have charges up to I believe XXXX dollars on them they say from a light bill which I know is not true because my light bill is current and paid on time monthly and I know a light bill company would never let anyone get a bill that high without cancelling the service. I dont have a contract or recall ever dealing with this collection agency and would like to know why are they sending me bills that dont belong to me or I believe they have the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Solutions To Portfolios, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have received XXXX phone calls on my cell phone, all threatening to take me to court and garnish my wages. My relatives have received XXXX phone calls at their home stating that I am legally in trouble. My employer has received XXXX phone calls on his desk phone stating I am involved in a complaint and am legally liable if I do not call back. All of these phone calls have happened in a matter of 9 business days. All phone calls have been from a XXXX XXXX, I have spoken to her XXXX time, in this conversation I asked her to send me documentation to verify that I owe this debt and XXXX XXXX response was that she would send me a letter after I paid the debt. I asked for their mailing address and she hung up on me. After this phone call XXXX XXXX started calling my relatives and employer, I also received a call from XXXX XXXX stating that I have a complaint filed against me, they seem to be from a company called STP Management. Further investigation on my part shows that their phone numbers XXXX and XXXX are associated with fraudulent shakedowns and illegal debt collecting practices. STP Management is listed as an F ranking on the XXXX and is currently being investigated by them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My student loans were turned over to Navient. They have really made it hard to make payments. My payments are so high and not affordable. They reported me to the credit bureaus without even giving me a chance to try to make repayment arrangements. My other loan company never did that. They always helped me and accepted smaller payments. Now they are trying to almost double my income based payment without even checking my income. It is so unfair and it is really causing hardship with my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
On XXXX XXXX, 2015, I received an alert notification from XXXX XXXX XXXX XXXX. The alert involved Bank of America reporting the following to XXXX, XXXX, and XXXX that following information respectively : Foreclosure initiated ; Foreclosure proceeding started.|Foreclosure proceeding started ; and XXXX account|Foreclosure process started. Bank of America through XXXX , XXXX XXXX XXXX, XXXX and the XXXX XXXX, XXXX initiated a foreclosure process in the Circuit Court for XXXX County, Maryland. Notices of such were sent to me and XXXX XXXX XXXX. Thereafter, a Foreclosure Mediation was scheduled in XXXX 2015 and BOA nor its representatives appeared at the mediation. Therefore, the Circuit Court dismissed the action. Since that time, no other foreclosure notice has been issued and once again, BOA has taken the low road to slander my and XXXX XXXX 's credit by reporting false and malicious information. I seek to have this information removed from both accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX XXXX Bank of America provided an Escrow Analysis Statement that showed I had a shortage of {$820.00}. On XXXX XXXX I went into the Branch and paid the Escrow shortage in full, which then reduced my payment by {$46.00} a month. On XXXX XXXX, BOA produced another Escrow analysis Statement showing an increase in Escrow payments and an Increase in mortgage payments. In XXXX I was a victim of Mortgage Servicing FRAUD by Bank of America due to BOA Increasing my escrows by {$2000.00} a month for Property Taxes " I did not owe '' ( as confirmed by the Independent Foreclosure Review ) on this very same mortgage. It appears their pattern of inaccurate Escrow Analysis and Payment changes have begun all over again!!!!

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 2016-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of American is charging fees in excess and not authorized with the business banking account with XXXX XXXX. We are not to have a monthly business fee if we pay our bills using our debit card like a charge card which we have been. We also indicated to Bank of America that we do NOT want any overdraft protection and if there is n't money in the account we do not want the transaction authorized. They 've been denying this request and they been deliberately causing our account to go negative and charging in excess fees up to {$35.00} at a time and every few days once they start the cycle of charging an account into the negative. These transactions were not authorized nor where these fees.

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 2016-01-07
Company: Navient Solutions, LLC.
State: MN
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 graduated from XXXX XXXX XXXX in XXXX. I have accumulated so much debt. In XXXX, I consolidated all my loans with the Department of Education through XXXX XXXX XXXX. To my suprise, I have received a XXXX summons from a client that I owed private loan in the amount of approimately {$23000.00}. I was not aware of XXXX scamming me to believing that my loans were consolidative. Now I am stuck with paying loan that I had no idea signing in the name of financial aid. XXXX degree is not worth anything. I could not even get a XXXX. I can not pay XXXX different student loans at the same time.XXXX XXXX scam me and now I am stuck with unnecessary bills and being sued XXXX times by the creditors. I do not know what to do now. 
XXXX XXXX have cause me serious pain and my credit is destroy because of judgement on my credit history. 
I need them to take their worthless, senseless and scamming degree. 
I am hoping the CFPB can find a resolution to helping the thousands of people who are victim of XXXX XXXX Scams. Be careful to sign documents from XXXX XXXX. They will tell you your loans can be consolidated but that is a lie. They will steal some of the loan they make you take and you are stuck with the bad debts. XXXX XXXX is a disgrace.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I 'm writing in pursuit of my owed money from my private loans. I have consiladated twice and my payments exceed well over XXXX $ month. I have joined XXXX and XXXX for 5 years and have received no discount or lower payments because of my civil service. I was told I was ineligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a a unverified account from CBE GROUP # XXXX. I had previously disputed this account this account. I have never done business with CBE GROUP INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of th debt CBE GROUP INC purport I owe. I request that CBE GROUP INC Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CBE GROUP lNC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been sending complete loan modification packages to my lender. He tells me to wait 30 days and after that he sends me a new package to apply again, without giving me any answer. We have repeated this process over and over again without any help. I attach the last letter they send me, equal to many they sent before.

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 2016-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I had checked XXXX on XXXX XXXX as I prefer to stay on top of my reports and I also checked on XXXX XXXX to find over XXXX inquiries that I did n't authorize. Nor is my signature on the inquiries. I only authorized XXXX I had called and spoke to numerous reps who just assume hang up on you or tell you repeatedly that they can not help you with the Inquires but also tell me no one was affected by the glitch when it was on all news channels even with proof in hand and they flat out refuse to connect you to a supervisor or anyone in the American offices to handle this matter per my request After 35+calls I gave up .None of the reps were remotely helpful or even knowledgeable some knew and some were quite belligerent and knew of the issue but just said sucks to be you

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 2015-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX CO on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX CO has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
There are repeats or multiple accounts of my student loans. I only have XXXX students loans. My report says I have XXXX open loans. It appears there duplicates of the same loan more than once. My total student loan debt should be around 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 2016-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion is not giving Giving me any Response from XXXX XXXX about why are they reporting after more than 2 years, They allow to poison my credit sending every month the account is off charge, is Poison my Credit, this is a illegal action from XXXX paying Transunion to Damage my Credit Report, Off Charge is one time action not a recurring action by the Fair Credit Reporting Act. I need them to Stop Poison my Credit for this Action.

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 2016-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A collections company, XXXX, CA XXXX posted false information on the credit reporting agencies, e, g. TransUnion, that I had not paid a towing charge- a non-payment- for what they claimed was my automobile, in an attempt to extort me into paying a bill that had nothing to do with me. It was never a car of mine. 

I took the car 's VIN and plate number to the CA DMV on XXXX/XXXX/16 to see if the motor vehicle department had some kind of bookkeeping error. They ran the plate and VIN and told me that I had NEVER had any ownership of the car. Well I knew that, but it meant that the collection company was deliberately filing a false report against me. 

I also requested on XXXX/XXXX/16 for the XXXX Police Department to run the car plate and VIN and they also affirmed I had NEVER owned the car in question. So both the police and DMV agree this was never my car, and I was not responsible for any tow for it. 

I realize the towing company may have hold of an erroneous report resulting from errors in original processing the VIN of this car. When the accident occurred that required a tow, that erroneous report caused my insurance agent, XXXX XXXX, to be called. They, and the insurance company of the other car, both investigated and determined it was not my car. 

Moreover XXXX XXXX, of the XXXX police department, also looked into the investigation file and agreed I was not the car owner. XXXX XXXX told me to have them call him and he would clear it up. 

But when I attempt to tell the tow company and collection agency to just check with XXXX XXXX of the XXXX PD they both just get nasty and insulting over the phone. 

I am recuperating from recent and XXXX and this continual battle with these vicious people has sapped my limited strength to an extent that I have to ask my XXXX to delay my return to work by 2 months, which wage loss will cost me over {$XXXX} Moreover their false claim on my credit report, which existed before without a blemish, will greatly reduce my employment chances, since they routinely run credit reports as part of the background checks I must undergo. So this collection agency 's false claim has already greatly hurt my life and career. 

If they were pursuing collections legitimately they would have contacted me beforehand, and we could have cleared this up. Or they could have simply run, or re-run, the car 's plate and VIN to see their error. 

But they did not, and are insulting and abusive when I call to clear this up. From their nasty behavior I conclude they know they are pursuing this false claim deliberately, and I want them prosecuted to the fullest extent of the law.

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 2016-05-27
Company: Northland Group Inc
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have received multiple calls to the office of my new employer about a debt no one will provide information to be about. This is very strange because I am a new employee of my company ( 3 months ) and am not publicly listed on a home site or staff directory. I also do not use my work line for online purchases or other transactions where my information could be passed along to third parties. I have no idea how they found my office line, and when I spoke to them once on the phone they refused to tell me where the information came from. 

Additionally, I have no account or outstanding debt with XXXX XXXX XXXX, the company they claim to represent. I have logged onto their system and it shows I have no account with them. None of my " Account information '' has my current work number listed as a way to contact me, which is another reason it is strange to receive multiple calls to my work line. In their online comment section, and employee told me that nothing was showing because they had passed my debt to a collection agency -- but refused to provide me with information on what the debt is, where it came from and for how much. 

I am not sure if this is a bad debt collection practice, or they are fishing for more of my personal infomration. At this point, I have no idea what I owe, or from where, or from whom -- and yet they are calling my office multiple times a week. This is a huge embarrassment as I am a new employee and the calls go directly to the front office staff, who now think I am a financial delinquent. 

I have sent letters directly to XXXX XXXX XXXX asking them to stop calls as directed in the FDCPA. They have not responded. I have also sent a copy of that letter to their email address and faxed a copy. The calls have not stopped, and I have no idea what the alleged debt is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
They are requesting information from me instead of following the proper Fair credit Reporting guidelines. It has been over a year and they want a bunch of documentation and will not send valid information to verify the account owner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I obtain services from XXXX a while I cancel the service because the services was not what I thought it would be. So I contact the company and the request me return the equipment becuase this equipment was self install by and they did offer installation. So we I was remove the equipment such censor and things I sent them the wrong item. So contact me and informed via mail and phone that I submitted the wrong equipment. So I final figure out the right equipment and return it to XXXX. On Friday, XXXX XXXX, 2015 I contact XXXX to confirm the receipt of there equipment. I spoke with XXXX who inform me that they receive the equipment and had process a refund. I ask the what account number or card number the credit was apply to because I made severall change far has banking and they might trace or put stop payment on the refund. So I aslo provide the credit card number and XXXX to apply the payment to my current card. On Monday, XXXX XXXX, 2015 I received a call from XXXX stating that I will not be receiving my refund becuase it has been apply to close bank account or credit card. Please explain how can a credit be apply to closed bank account and credit card. Then later I was contact be Staf trying to explain the situation that did not make any sense to me. How can refunds be apply to close bank account and bank card. Please review the Banking ( charges ) for XXXX and the account they said was refunding the money to I do not have the card order information anymore.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Previously deleted inquiries were deleted then read dedicated without notification or validation XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2015-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Incorrect address on a credit report ( most likely due to divorce : the address is that of my ex husband and his XXXX wife )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief