BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-11
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 have about XXXX seperate private students loans through SallieMae/XXXX ... and also about XXXX XXXX loans through them as well..I wracked up huge debt ... XXXX total ... I never graduated, had to leave with XXXX classes remaining because Sallie Mae wouldnt approve me for the final XXXX I needed. Ive paid off about half over the last 7 years, paying anywhere from XXXX amonth to about XXXX. I was able to pay it so i did, but recently ive had trouble paying on time because my checks from my job in the film business do not come in mail at appropiate and regular times.. the late fee are crippling.. i do t mnow if i can keep up with the payments.. and for years now ive been trying to ask questions and find out how to reduce my monthly payment ... I have not been able to negotiate anything with them.. the customer service is terrible ... often ive been hung up on after being toldto wait on hold for up to and over 60 minutes!! no answers and no negotiating and no consolidation. Im pretty sure they tricked me into doing half my loans or some kinda interest only payment early on .... im now buried in a pit of debt because of sallie mae/ navients misleading business practices, intimidation tatics, harrasment, and frustration ... .. 
I need to also mention that sallie mae/ XXXX have been calling and harrasing my co signers if ive been late by a day. They never call me, they straight call my XXXX year unlce and XXXX year old grandfather. Ive asked them to not call and bother them and to please call me instead. They have not stopped bothering my co signers ... .also it is impossible to find information on how to remove my cosigners name from my loans. I have so much angry and frustration about this situation ... i just want to be able to pay a resonable amount per month yo pay off my debt, i shouldnt be made pennyless by a vampiric corporation. 
P.S.- I want to click every button down below

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had a ck came in my acct for {$170.00} funds was low they paid it and charge me {$35.00} over draft fee, then XXXX foe {$9.00} came in when i already have an over draft they that and cause another {$35.00}. They paid a {$9.00} fee and charge {$35.00} which i think is a rip off because a few XXXX ago i had a ck for over {$100.00} came in, funds was not there that got return unpaid and charge me {$35.00}. also they charge me another {$35.00} because my acct was over for over XXXX days, i think thats double jeopardy. bk of Amer is the only bank that does that. i dont think the government should allow bank of America to continue to rip off consumers, also i was not aware that they would be an extra charge for being over draft fee after XXXX days. i contacted the bank and they refuse to reverse that exessive charges. Bank of America have been doing grave in justice to consumers for years, they have charges that no other Bank has. They need to be regulated. Please investigate. thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Experian has repeatedly not supplied me with a free credit report. Every year I use XXXX and I get the same message : " A condition exists that prevents Experian from being able to accept your request at this time. To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. '' This requires the cost of postage to remedy and does not include any details about the condition.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was issued an American Express Gold XXXX Card back in XXXX 2016. I have never been late, I have always paid on time and I have never had an issue. My daughter is an authorize user and went out of the country to XXXX in XXXX 2016. American Express declined her charges and I was contacted immediately. An AMEX representative told me that I needed to provide a XXXX and that they would walk me through the process. I completed based on the instructions, I was also asked to provide my XXXX and Pension information as well. All of this information was provided and I have the income so I was not worried. then 2 weeks later they cancelled my card. I contacted them to figure out they said a box was not checked on the paperwork they ask me to complete. They then told me to pay my balances early and then reapply for the same card it should be no issue. Well it has been decline 3 times stating AMEX cancelled my card. I have called 10 times plus and they are now saying my credit is the issue. There has been no change in my credit from issue of my card to now with the exception that AMEX has had me apply for several cards just to have mine sent back to me. They are very discriminatory and no explanation they have provided has made sense. I have every letter and they also say because American Express cancelled my card. I am a Federal employee and I know the law and will fight this to the end because I know how these companies try to get over on consumers. I have never been late, nor a slow or no pay with my American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been with Beneficial since 2007. I have refinanced a few time and received a loan modification back in 2007. I have asked for them to refinance my home because the interest rates sits at XXXX percent. When I make my payments which are XXXX monthly, XXXX is the mortgage payment but the interest is XXXX while the actual principal is only about XXXX per month. They are hitting us with unreasonable interest rates. I would like my interest rate reduced so I can afford to make the payments. The other charges are fair and are for property taxes paid. They also charge XXXX late fees per month if you are 11 days past due which is also unfair. 

If they modify and refinance our interest rate our loan will become more affordable. Their only options are to defer payments or to foreclose which is also unfair practice. 

They also frequently change Mortgage Servicing Specialists. Each month I get a letter stating I have a new specialist. 

Because of not so good credit and us owing XXXX on the house with it only being worth XXXX we do not have the option to sell it. 

Would like to see them at least let us refinance at a lower interest rate. I feel like they are just stealing our money with their getting so much in interest. 

My account number is XXXX, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I opened XXXX with American Express Serve card # XXXX and I saw some transactions for {$10.00} every month on my account which I do not remember this Company and to authorize them to charge my account so I called them and Serve Cst Srv Representative open disputes. However, instead of opening XXXX dispute for all charges related to this Company Serve Rep only open XXXX dispute. I called again on XXXX and I asked and different Representative opened about XXXX disputes -I did n't know what he was doing. All charges came from XXXX Company I should have only XXXX claim with disputes. On XXXX my account was closed due to filling fraudulent claims which Serve Representative cause not Me. I never filled that many claims .Serve Employee did not followed correct procedures and did not listened me when I called in XXXX with my not recognized transactions. He did not understand XXXXThese practice are unfair and abusive practices against the Customers. Therefore, I was trying to talk to with Supervisor and I was putted on hold for 1 hr and my next all called has been disconnected. by Cst Srvs ( Please see attached ) I never gave them authorization to file that many dispute claims!!! Today, I was disconnected by XXXX, XXXX, XXXX XXXX. I 'm filling this complain because no one will be accusing me for any frauds!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 have opened numerous complaints towards TransUnion. They haven't reported my bankruptcy to any other credit reporting companies in fact they haven't reported anything since XXXX of 2019, which ironically is when I filed my bankruptcy and it was discharged in XXXX of 2019. TransUnion refuses to give that information, they continue to get the information to show me on my own copy of my credit report. That it exists and the dates, etc. But they refuse to give that info to anyone else. I have been on XXXX XXXX, XXXX, etc. and there is nothing new reported to them. The last thing they have is from XXXX of 2019, how can they get away with NOT REPORTING the correct information to other credit reporting companies. If the right info was being reported my XXXX XXXX would be way higher than it is. I have been dealing with this problem since XXXX of 2019, I want them reporting the right info immediately. Almost 2.5 yrs is enough, NO MORE EXCUSES!!!! I had a screaming match with 3 separate employees at TransUnion where they told me it wasn't their job to report to credit agencies ... WHAT?!?! After 30 minutes of talking in circles I hung up!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: CA
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:
Theres a collection account on my consumer report that 1. isn't mine 2. Violates my rights .... I have reached over to the collector, and 3 bureaus to resolve this matter for about a year now and they've done nothing. 

in accordance with the Fair Credit Reporting Act XXXX  account # XXXX has violated my rights 15USC 1681 section 602A states I have a right to privacy .....

also 15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction and/or approval

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
During XXXX, Transunion, and XXXX XXXX after my disputes in XXXX, 2021 and XX/XX/2021 XXXX, Transunion, and XXXX has informed me via mail that they are going to continue to diminish the value of my consumer report and violate my consumer rights under the FCRA. I have included evidence that XXXX, Transunion, and XXXX is violation of the FCRA, has not investigated my matter properly pursuant to Federal law and have verified my dispute as " Accurate ''. 
XXXX. XXXX, Transunion, and XXXX has use my report improperly nor did they have permissible purpose or my written instruction pursuant to federal law-15 USC 1681b ( a ) ( 2 ). 
XXXX. XXXX, Transunion, and XXXX has Infringed upon my consumer right to privacy pursuant to federal law- 15 USC 1681 ( a ) ( 4 ). 
XXXX. XXXX, Transunion, and XXXX has not conduct a proper investigation pursuant to federal law XXXX15 USC 1681a- ( e ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I've held and paid on direct consolidation loans since XXXX. The loans were automatically placed in forbearance during the Covid pause ( XXXX XXXX ). Despite this, I voluntarily made payments on those loans until the XXXX waiver was announced in XX/XX/XXXX. I was serviced by XXXX XXXX during that time. Under the waiver, I knew that I was eligible for forgiveness, so I submitted an ECF on XX/XX/XXXX and was transferred to Fedloan by the end of XXXX. During the transfer period, I learned that I could request a refund of payments made on direct loans during the Covid forbearance, so I contacted Fedloan to ask for the refund in XX/XX/XXXX ( as soon as my information had transferred to them ). They said that they issued the request, and within two weeks the balance of my student loans increased by the approximate refund amount ( around {$4200.00} ). 

XXXX months later, in XX/XX/XXXX, I still had not received the refund, so I spoke with a FedLoan agent on the phone. They assured me that the request had been submitted, but could take up to 120 days. 

In XXXX, I called and spoke with another agent who assured me that the request had been submitted, but could not be sure when the refund would be issued. 

On XX/XX/XXXX I called again to check on the status of the refund. The agent said that the request had been filed, but the refund could take 6-9 months.

I want the refund of payments that I voluntarily made on direct loans during the Covid pause. It shouldn't take more than five months to issue a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Resurgent Capital Services L.P.
State: TX
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:
Certified letters were mailed to LVNV Funding and Resurgent Capital Services on XX/XX/2020 to validate or provide proof of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Kimball, Tirey & St. John LLP
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
KIMBALL TIREY & ST. JOHN has been violating me for the past decade. I have never done business with them but they have been reporting negative information to the credit agencies which is ruining my reputation and defamation of character the correspondence is false and misleading. I have requested proof of the debt that they say they have against me I never received a paper with my signature on it. The amounts that they say are owe are different.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received an email from McCarthy, Buress & Wolff , XXXX on XX/XX/XXXX. The firm sent a letter declaring that XXXX XXXX owes XXXX XXXX {$14000.00} ; this debt is a XXXX XXXX XXXX. We have had this insurance since XXXX and terminated my insurance services with the company in the year XXXX. The XXXX XXXX  replied to the firm email, commenting that their information does not match our payroll records. We provided proof that we faxed the documents to the XXXX XXXX XXXX XXXX to XXXX XXXX but never received an answer from the company. We sent the firm our payroll records which match the IRS. We also sent them the forms that clearly state XXXX, XXXX, and XXXX XXXX to be excluded from the policy because they operate as ( Partnership ). Also, the Builders and XXXX XXXX XXXX XXXX XXXX XXXX sent us a letter in XXXX informing us they would no longer work for XXXX XXXX XXXX. XXXX knew this information and still decided to work with us knowing we didn't have an agent representing us. The payroll information is incorrect, and they can not be guessing any incorrect payroll information. XXXX never asked for the partners ' information because from the start, they were excluded. We provided the correct information, but this debt collection company wants us to pay the wrong amount. Would you please look into this matter? Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
First I want to say thank you for everything that you do. Happy holidays if you celebrate it. I need help please. 

*** Being a victim of identity theft is quite embarrassing and I want to make things right. My name is XXXX XXXX, I have enclosed all verification documents of my identity. I am submitting this complain myself. I Advised the credit bureau of what happened and this account doesnt belong to me. Other credit bureaus removed it but this one did not. They are supposed to be the same information throughout all reports. Which means this account wasnt verified accurately. I Requested method of verification and was simply ignored. This account does not belong to me. This is unauthorized and needs to be deleted immediately. This has completely ruined my relationships with other institutions. Account needs to be deleted as it is showing as negative derogatory on my credit report and doesnt belong to me. I am receiving many messages with an urgency tone from this company. Which is violating my rights. I did not consent to this account. Fully unauthorized and needs to be removed. Delete the account as requested. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

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 2016-08-12
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I had man knocked on my door. My husband answers the door. He asked if I was home XXXX XXXX. Then he tried to serve me with some paper 's. I told him to leave are property. He then left got in to his truck. We later notice he left papers on are porch. We looked at them. It was a summons that XXXX was being sued for debt .by a dept collected. The debt collector bought it from fingerhut. We told the judge did not owe the amount. So the judge set another court date. We did not get any notification when the next court date was. So the collection agency got the judgement. I made arrangements make payments even this I did n't owe the amount. To pay a amount agreed upon. Midland funding llc would not except any payment but a higher amount. Which Midland finding was setting me up. Latter they got a garnish order and tried to garnish my husband social security. Which is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is not mine. I have sent dispute letter with know response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: TRANSWORLD SYSTEMS INC
State: GA
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:
While my son was a student at XXXX University ( XXXX, GA ) from XX/XX/XXXX - XX/XX/XXXX, he took out XXXX Private student loans to help finance his education. These loans originated with XXXX XXXX XXXX XXXX, XXXX. and I am listed as the co-signer. Since entering into these original student loan agreements, these loans have been transferred/sold multiple times to various depositors/collectors seeking payment. XX/XX/XXXX, we received correspondence from XXXX - XXXX XXXX XXXX XXXX ( at the address of a relative where neither of us has ever resided ) requesting full payment of these loans. After learning of this correspondence, we immediately contacted this entity disputing that we had any type of loan agreement or arrangement with them and asked for the supporting documentation to substantiate their claim. At this time we provided them with our current address and telephone number ( which is the still same in present day ) as a means of contacting us with the requested information. To date we have yet to receive a reply from this entity. 

On XX/XX/XXXX I was served with a court summons where I am listed as the defendant in a civil court case ( lawsuit ) where National Student Loan Collegiate Trust XXXX is the plantiff seeking full payment for one of the previously mentioned student loan agreements. Upon further review of the court documents, I learned that this civil court case was opened XX/XX/XXXX with the documentation initially being served to an address that is not my current one, a different address from where the correspondence we initially responded to was sent. Upon asking for the requested information from the loan depositor/collector, we were then served with a lawsuit, a lawsuit from an organization that currently does not have any agreement in place with us as they have sold this loan ( investment vehicle ) multiple times themselves. In addition to this civil case, I have since learned that a total of XXXX civil court cases ( XXXX for each of the student loan agreements ) has been opened although only one has been officially served. The plantiffs in these other cases are National Collegiate Student Loan Trust XXXX and National Collegiate Student Loan Trust XXXX respectively.

Company response to consumer: Closed with explanation