BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX mixed up my account with another XXXX XXXX living in XXXX who was seeking debt relief. They turned my account over to collections XXXX. My credit card account with XXXX was among the accounts that was entered into the debt settlement agreement with XXXX XXXX XXXX XXXX. The last XXXX digits of his Social Security number is XXXX and my last XXXX digits are XXXX. After numerous attempts to have XXXX take care of this, I finally filed a complaint with the Consumer Protection Bureau. XXXX responded to the complaint last week. I am attaching my letter to the Consumer Protection Bureau along with XXXX letter to me. They have indicated in their letter they have requested the credit reporting agencies to delete any delinquencies related to this issue. I want to be sure this is being taken care of as this has been going on for XXXX months and I need my credit restored ASAP. This has created an undue hardship on me and my family. My daughter is in need of a loan and needs me as a cosigner. I need to do this for her as soon as possible. Also I was not able to take advantage of a sales promotion on a car due to my credit score now being in the XXXX as opposed to the XXXX where it was at before this incident. Please let me know this matter has been taken care of and my credit has been restored. My daughter is in need of this loan. This has been going on for XXXX months now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX XXXX Acct # XXXX is reporting on my credit profile with a balance of {$80000.00}. This account was transferred from Bank of America. This account should not be reporting on my personal credit profile. This is ridiculous! I have demanded to see proof as to why this would report on my credit and have yet to receive documentation. Research and correct this information immediately or delete this account off my credit profile!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased a home in XXXX where my mortage loan was under 2 lenders. When the housing market crashed and the economy tanked my house depreciated in value significantly. I wrote to and spoke to both lenders at the time, XXXX ( the larger of the 2 loans ) and Countrywide. I hired a local realestate agent who explained the option of a Short Sale and informed me I needed to talk to my lenders. XXXX would allow me to move forward with a Short Sale on the house. Countrywide would not agree and said in order to do such a thing I would have to pay them for insurnce they bought for me for the house at {$30000.00}. I did n't have that kind of money and was expecting to be laid off as the compnay I was currently working for XXXX was financially failing. My assumption was correct and I was laid off. I did receive several Short Sale offers on the sale of my house that were even signifcantly high considering the market but every offer was turned down by the smaller lender, Countrywide. After being laid off I could no longer pay my mortgage and even vacated the house and left it clean and ready for sale hoping the banks would change their mind. XXXX did decide to forclose on me but Countrywide to this day wo n't foreclose on the loan and still shows on my credit report that I am missing a payment everymonth. This house sold in foreclosure for {$69000.00} in XXXX. My short sale offers were for more than double that amount of money.

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 2015-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX/XXXX/2015 I submitted a consumer dispute to XXXX requesting them to conduct a reasonable investigation regarding a Bank of America credit card ( see attached ) account that appears on my credit file. I faxed ( see attached ) a copy of a police report with the dispute.. I am a victim of ID Theft. On XXXX/XXXX/2015, two ( 2 ) days later, I received the results of XXXX " reasonable investigation '' ( see attached ). I specifically stated on my dispute that I was a victim of ID theft to XXXX. If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was reviewing my Transunion Credit Report and I confirmed that Transunion is still reporting my XXXX XXXX account still to be open. I paid this account in full 2 months ago and this is account is reflecting correctly on XXXX & XXXX as paid in full ( {$2100.00} - Never any late payments ). The dereliction of duty of Transunion to be reporting factual information on my Transunion Report is causing a negative impact on my credit worthiness and credit score and is a direct violation of the Fair Care Reporting Act.

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 2017-01-22
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been going on with this cycle with Navient/XXXX since I graduated back in 2008. I was unable to get a job in my field, and the XXXX XXXX XXXX I went to cut my program short ( due to lack of returning students ) so I was unable to obtain a XXXX XXXX to get the job I was studying for. Had to work minimum wage, and temp staffing. Was never able to make my full payments. I 've resorted to Sending what i could afford, only to get hit with XXXX in late fees each month each time my payment was n't enough. I tried forbearance/deferments which only ballooned my payments to about XXXX per month for both my private and my federal ( now consolidated ) loans. I am harassed daily and am about to be in default, despite me still sending them all I can afford. They said they were trying to reduce my payment but it was still about XXXX of my net pay for the month. Once I got hit with paying my own medical expenses, it only got worse. The daily harassment is an ongoing focus on my XXXX as I have often considered XXXX to escape this debt sentence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SSN : XXXX XXXX XXXX, 2016 Ref # : XXXX To Whom It May Concern : XXXX I would like to dispute the following item on my credit reports : XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX Partial account number : XXXX. 
Opened XXXX, my credit report shows a late payment in the amount of {$92.00}. As of now CHARGE OFF XXXX/XXXX/2016 However, I have enclosed copies of my cashier check purchased on XXXX/XXXX/2016 and forward via USPS overnight as payment on XXXX XXXX 2016. Payment was made in full amount of {$93.00} when the balance was {$91.00} at that time. 
See attached clearly show my payment ( Cashier Check ) for XXXX XXXX, 2016. The XXXX XXXX XXXX XXXX has verified the Check was posted for Payment Additionally, it appears that the same matter is being reported twice as a double/damaging. I say strongly state again the full amount was forward ( PD ) to Lowes of {$600.00} as payment as Lowes requested. There was not notice by either party at that time the account was sold or transferred. XXXX placed additional charges on the Lowes Balance placing demands after payment was made and forward to LOWES. I contacted XXXX and made inquiries / concerns there was no notices or request for payment stating the matter had been sold or transferred to them was forward to me at XXXX XXXX XXXX XXXX, LA XXXX. I was told that they do n't send them out. Then I was transferred to a XXXX manager who attempted to clean that statement up. After that conversation and it being placed on my credit reports notices was forward via the mail to my address. 
I dispute the most recent change to Charge Off being report by XXXX. It 's a paid matter in Full as of XXXX XXXX, 2016 payment was made overnight and received checking the tracking number given by the Post Office. Also the Credit Union states the Cashier Check shows payment / cashing by XXXX 1. Lowes : Charge Off : # XXXX ( Reporting ) Not PAID 2. XXXX : Charge Off / Dispute payment was made prior to reporting being made to the XXXX Bureaus : XXXX, XXXX and XXXX under # XXXX Please correct and I am requesting updating this as soon as possible as it 's incorrect reporting via the Bureaus. Thank you, XXXX XXXX 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 2015-10-02
Company: Navient Solutions, LLC.
State: HI
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 had a private navient loan in default which I settled in full last month ; however, this is not updated on the navient web portal, and it is not updated on my credit report either. Upon calling Navient multiple times, the reps always say its the wrong department before finally transferring me to a number that I get hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I applied for the student loan forgiveness due to the school I went to was not accredited and I was not able to obtain a job.This school also closed down I was not able to obtain my transcripts so I can go to school again.I reached out to the they told me to teach out to the Department of Education so I did.The department of education told me to reach out to them they can help me with this issue.I was advised today by Navient I have to reach out to the department of education again.Why should I pay for a loan for a school that was not accredited and I'm not even able to get my transcripts because the school closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had a Care Credit account for over a year for a {$800.00} balance. The balance has barely moved and if you are just a couple days late they charge about {$40.00} in fees every month. These guys are a scam and really should be shut down. They were recognized as such in the past, now they are back doing same thing. I have called to correct this a few times, but am fed up with their unethical stuff.

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 2017-01-20
Company: Navient Solutions, LLC.
State: WA
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:
I had a loan with XXXX XXXX, that was paid off by XXXX -- a Company that helps with student loan debt. Persels closed their operation. A year later, I received a letter from Navient Credit Solutions stating that I owed a balance and interest had accrued for the past 18 months. 

I attempted weekly to obtain verification of the debt and have never received it. I even offered to pay the minimum balance to bring the account out of default while I disputed the debt. 

My Credit Report is clean, yet they still maintain I have and owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
My wife used her Bank of America ( BOA ) credit card to book a hotel room in XXXX. She was half way there and had to return due to bad weather ( snow ). When she returned the hotel was ok with cancelling the reservation and understood. The hotel could not do anything since it was booked thru XXXX. My wife called XXXX and explained the situation. They told her she had to have permission from the hotel. She said she did and went in circles with XXXX for some time. She even called back with both parties from XXXX and the hotel on the line with her at the same time. XXXX still refused to remove the charge and wanted to charge us in full. We filed a complaint with BOA and they held the charge for investigation, then sent us a letter saying it was resolved, then removed the charge. We thought we were done when we saw the charge appear again several months later. BOA said we were accidently credited twice. We pulled our statements and got back to them to say that they were incorrect. They agreed and said that the charge would be removed. We then got a letter from BOA saying that they were going to proceed with the charges from XXXX. My wife spent at least 6 hours total on the phone with all parties to get this resolved, but had no luck. Complete lack of customer service by all parties. We will be getting rid of our BOA credit card ( after having it for about 16 years ) and will certainly never use XXXX 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 explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
U.S. DEPARTMENT OF EDUCATION XXXX .... Balance : {$760.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had an account with Bank of America for about a year. Up until recently it was closed due to the fact that it was overdrawn for about for months or so. The overdraft amount was XXXX and some change. Which all amounted, from thier overdraft fees which they kept adding for returned transactions. Now I 'm not at all denying the fact I have transactions that were returned due to insuffcient funds. However the reason the account was closed was simply due to the extented overdraft fees that BOA charged, which amounted XXXX. I refuse to allow them to falsly accused me of abusing an account. Which now un allows me to open any other accounts. I also had a savings account with them as well, they also reported that I abused that account simply because I did not put XXXX into that account within 4 months. I absolutely can not believe that this bank is allowed to do this! I accept my responbility in this matter. However I will not allow this bank to degrade my charater, simply because they closed my account, because of thier extended fees along with my returned tranactions.

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 2015-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Five or six months ago, I noticed a monthly overdraft fee of {$12.00} on my simple Bank of America checking account. For the last three months, I 've been asking my bank to stop the overdraft fee ( remove the overdraft protection from my account ) and explain the $ XXXX monthly maintenance charge. I 've gotten no explanation for either, I 'm just told that the bank can not do anything about it, and I 'm still incurring both fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-14
Company: Navient Solutions, LLC.
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:
It is with deep regret that I must contact you once again to obtain information that is permissible by law. Navient ( XXXX - XXXX ) was contacted with a request for complete account transaction history from the origination ( XX/XX/XXXX ) of my Parent Plus loan up to the current date ( XX/XX/XXXX ). Also, a request for an amortization schedule for the same loan was made. As usual, it was promised as a deliverable within 7-10 business days ( it came ), yet the history was incomplete and the amortization schedule was not included. The XXXX XXXX, XXXX and Navient information was missing, containing only data between XXXX and XXXX from Navient. The original loan balance was {$13000.00} ( XXXX XXXX ) and as of date with years of payments, the current balance is {$15000.00}. How can that happen? The servicer ( Navient ) is not supplying information that is promised. My problems are as follows : 1 ) application of payments ; 2 ) the amount applied to interest is higher than they were at the beginning of the loan - principal application is not going up ) ; 3 ) the incorrect manner in which capitalization of arrears is handled ; 4 ) Customer service does not provide information requested ( sent two sheets that were identical - happens all the time ). I am certain this is not an isolated situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
My loans through XXXX were deferred as I am a current student, when navient took over they began to bill me and affected my credit. When I called I was forced to begin paying on my loans which I can not afford since I 'm still a full-time student. My payments to navient cause me to fall behind on my other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Applied for a mortgage refinance with Bank of America, spoke with XXXX XXXX. After submitting my application, he said " thank you for your application '' I will work on your application over the weekend and get back to you. XXXX of the application questions was " are you a co-signed on any other loans ''. I explained yes, I co-signed for my son 's college loan but that he would be making the payments. XXXX XXXX stated he would look into it being a problem. We hung up. After not hearing from XXXX XXXX for several days I called him back. He replied " yeah, sorry for not getting back to you, but your income debt ratio is way too high with the student loans showing up on your credit report. He also said that once my son was paying on his student loans for at least a full year we could reapply and show proof that my son was indeed paying his own loans. '' Ok, so the loan was denied. Fast forward a month, I never got a denial letter and I know that the law states that denial letters must be sent out. I called the banking commissioner and was given this site to process a complaint. Also, last night XXXX XXXX called me to say that he heard I was upset for not receiving a denial letter but that I never submitted an application. What??!?? I worked for a mortgage company for years and I know when I submitted an application and hung up on him. Also note that roughly 2 years ago, I applied for a refinance with Bank of America and even had an appraiser come to my house which I had to pay for. I never got a denial letter from that application either. I was told over the phone that my income to debt ratio was too high. I questioned why then was an appraiser sent to my home if they knew my loan was going to be denied and they had to answer. Again no denial letter. I did file a complaint as to why an appraiser was even ordered and received an answer back basically telling me that they can do what they want. Again, no one has ever addressed the no denial letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I started getting calls from XXXX XXXX XXXX XXXX at XXXX on XXXX/XXXX/15. I also had a missed call at XXXX. I 've had 10 more calls in the 4 days since then some very early in the morning ( XXXX around XXXX ) until late in the evening. 

Most disturbing is that they have obtained information about me illegally and contacted my XXXX today. I have not ever and would never provide my XXXX office number as a contact for any credit application. The only place anywhere that I am associated with my XXXX is via XXXX as on of the contributors of the XXXX page. I have never been an employee or provided any official service at the address. 

I 'm not comfortable contacting them from my phone due to the fact that they have collected very personal information about me from an unknown source. I literally feel afraid with this latest development. 

I contacted the number from a computer phone at the business stated that they are Pioneer Credit Recovery XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I do n't have any additional information or bills from them as a direct or collection agency creditor. 

I 'd like to have some support in taking proper actions, as their approach has left me feeling physically unsafe.

Company response to consumer: Closed with explanation