BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: WA
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 got a diploma not a degree from XXXX college. Been fighting them ever since 2010. I was charged XXXX dollars for a diploma and ca n't even get a job with it EVER!! No one would except the diploma or credits, they never even helped get the job interviews or internships they promised. Im on medical leave due to a health issue now with no money coming in. So I can not pay anything now. Live at home with parents just to stay alive. I dont think I should be paying that much for a diploma. XXXX college only wanted XXXX for theres over 2 years, not 2 years at XXXX. The teachers were n't even good they gave you the answers and open book tests so you could just pass through without fully understanding it. I dont even recall now anything I tried to learn so it was useless to go. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: NC
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 to the Fair Credit Reporting Act, the companies below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX has violated my rights : XXXX XXXX XXXX ( XXXX ) have violated my rights by reporting inaccurate and inconsistent information that I have not authorized by verbal or written consent. 

15 U.S.C. 1681 section 602a - states I have a right to privacy. 

15 USC section 604 -states a consumer reporting agency can not furnish an account without my permission. 
15 USC 1681c ( a ) ( 5 ) - states no consumer reporting agency may make any report containing any of the following information ; any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15USC 1681 S-2 ( A ) ( 1 ) states a person may not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe the information is inaccurate.

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 2015-07-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 'm requesting to have this debt removed from the XXXX credit bureaus. I have not idea what this is from and it 's affecting my families ability to seek the financial help we need. I 've attached the mark on my credit report. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have tried and tried to get this debt taken care of. This collection account is for a workers comp claim. I have contacted GLA collections and Underwriters both and they will not help me. I want this collection REMOVED from my credit report. Underwriters said they would pay the account and GLA collections REFUSES TO SEND INFO TO UNDERWRITERS!! I am stuck in the middle with this collection on my credit report and it wo n't be removed!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I attended XXXX University until XXXX 2016. I contacted my professor and cc 'd my counselor that I was having a hard time completing my coursework due to unforeseen circumstances at home and work. I called and requested to drop my classes ( which they have no record of ). So, in XXXX or XXXX I contacted my counselor about continuing my education and was advised that I had a balance of {$3200.00} to clear before I was able to continue. 

Almost, {$2800.00} for classes dropped ( i 'm being charged for the full classes ) although I called to drop a few days prior to drop date and ( {$500.00} or so ) for classes that I never authorized them to put me in for the following semester ( I never even logged in to them ) and I talk to the counselor prior to XXXX 2016 term and advised her I did not want continue until XXXX due to starting a new job. My counselor recommend that I request a Corporate adjustment, so I contacted the department and sent emails back and forth for over 2 months at which time I was advised I was already approved for partial credit due to the documentation sent from my therapist. Then I find out a collection agency has added the {$3200.00} to my credit file as of XXXX, when no decision has been made as of yet on my entire balance, I also found out the collection activity started 2 months prior. 

Once I found out about the collection being placed on my credit I emailed the person I had been in communication with for corporate adjustment and was advised my request was denied and to follow up with the collection agency directly. Then I asked why it was denied and was advised it was due to insufficient documentation and that I would need to contact Student Affairs if I needed anything else. I call Student Affairs and leave a message, then I receive an email stating they do not handle this I would need to file a grievance. After almost 90 days of providing personal documentation about my work, school, XXXX health and my dad 's illness they deny my request. 

I am currently in the process of getting a pre-approval for a home and this debt being placed on my credit is jeopardising me receiving my pre-approval and has dropped my credit score. Also, I am unable to continue my education at another institution and not able to access my transcripts to transfer schools due to the hold placed on my file for this debt. This amount is not owed by me. 

I would appreciate someone looking into this matter and reading all of the attached communication and documentation sent to the school.

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 2016-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
BANK OF AMERICA HAS HIRED A LAW FIRM XXXX THAT IS VERY AGGRESSIVELY ATTEMPTING TO COLLECT ON THIS 5 YEAR OLD ACCOUNT. I HAVE ATTEMPTED SETTLE THIS DEBT WITH BANK OF AMERICA WHO IN WRITING CONFIRMED THEY STILL OWNED THE NOTE BUT REFUSED TO ACCEPT A PAYMENT OR TO NEGOTIATE A SETTLEMENT. 
XXXX XXXX HAS REFUSED ALL OF MY ATTEMPTS TO SETTLE THIS ACCOUNT ON BEHALF OF BANK OF AMERICA, AND ADDED ON EXCESSIVE FEES ON THESE XXXX ACCOUNTS EVEN AFTER I HAVE EXPLAINED THEM MY FINANCIAL HARDSHIP POSITION AND BEING A SURVIVING CHILD OF A XXXX VET ALL MY REQUESTS AND ATTEMPTS TO SETTLE PAY AND NEGOTIATE THESE ACCOUNTS WERE IGNORED ANY MY CONSUMER RIGHTS AND PRIVACY HAVE BEEN VIOLATED ON NUMEROUS OCCASIONS. PLEASE HELP

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 2016-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX 2016 Bank of America accepted a letter from me asking for verification of this with documentation with my signature. In response I got a letter asking for documentation from me instead of my request. That is the only response I received from Bank of America. Bank of America did not send me the required verification, nor did they mark my credit as disputed at any of the XXXX reporting agencies in the 30 days as required by the Fair Credit Reporting Act. I have since sent another letter again asking for verification with no response at all. Bank of America has violated my consumer rights and FCRA 623 ( a ) ( 3 )

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 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX 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 non-monetary relief
Consumer complaint received 2015-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
BANK OF AMERICA REFUSES TO ANSWER MY QUESTION CAN I GET BOA TO LEND ME {$30000.00}. FOR PRIVATE LAW SCHOOL TUITION? LAW SCHOOL IS {$50000.00} BUT US GOVT ONLY LENDS {$20000.00}. CAN BOA LEND ME {$30000.00} FOR XXXX SCHOOL?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
The student loan company refused to allow income based repayments while in school. Furthermore they failed to adhere to proper income based repayment structuring. The company continually improperly advised the student such that they would collect the maximum interest thereby making it impossible to payoff. Finally they have reported the loans in delinquent status while on automatic payments are being bade and are in full compliance. With approximately 7 % interest on the loans the interest alone is {$25000.00} a year which is compounding into the principle is increasing yearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: CITIBANK, N.A.
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Citibank obtained my name, date of birth and address and pre approved an {$8000.00} ready credit card. I do not know where they got my personal details since this an am American Credit card company and I live in XXXX. They then kept offering me unsolicited credit card increases to the amount of {$25000.00} without checking my income or any verification. They then applied a credit rate XXXX times the amount of what the original rate was. I tried to cancel several times and they refused. They eventually lowered to rate to keep me as a customer. I have complained in XXXX but not much was done due to FOS being bias and on the bank side, they have reduced what is owing but they did target me because I was in my early XXXX 's.

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 2016-11-17
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase closed all my personal accounts without reason - I am a business and American citizen - haver no overdrafts and use Chase for both personal and business accounts. They are closing the personal but keeping the business open? This is unfair and I feel it is discriminatory since I married a man who is an XXXX citizen and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear XXXX Relations : The reason for me filing this complaint is due to Bank of America trying to foreclosure on my property after sending me a letter my loan is paid in full. Furthermore, the court filing is filed under Bank of America ; and not XXXX Mortgage. I am requesting your assistance in doing an investigation into this matter. 

Respectfully, 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 2015-06-19
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debt is a result of me co-signing a student loan. They call allday long. If you do answer they demand personal information ( last XXXX of ss # plus date of birth ) before they tell reason for call, When I refuse to provide info over phone they hang up and call back within a hour. I have repeatedly ask them to stop calling. I 'm not avoiding the debt, they always get paid. I just do n't want to be harassed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-31
Company: Navient Solutions, LLC.
State: MO
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 co signer on XXXX private loans that was originally with XXXX but of course is now Navient. We are having all the problems you have descripted in this lawsuit. No way out and they have screwed us all and want answers Now

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
When I began repaying my loan back before Navient took over and the company was still XXXX, I owed a little over 14,000. 5 years of repaying my loan and my balance is still the same if not higher. I called Navient to find out why this was and received nothing but double talk and unanswered questions. At one point I was paying MORE than the minimum, so the interest talk I was not trying to hear. They are not applying funds to my principal and I want an updatedblance with a true amount I should owe. Never borrow from these scam artists ....

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
could no longer afford payments on my condo. Equity lost XXXX %. Could n't sell it, rent it and I am XXXX and could not live alone anymore. My income was cut in half. Neither Chase or XXXX would talk to me about modification so I could keep the condo. File a Chapter XXXX XX/XX/XXXX. Discharged XX/XX/XXXX. Surrendered the house to Chase at their request in XX/XX/XXXX and did a Deed In lieu of Foreclosure XX/XX/XXXX. Ever since I get harassing phone calls all week and at tleast XXXX letters in the mail a week. My health is suffering over a condo I do not own anymore. Moved out XX/XX/XXXX. Chase and XXXX are harassing me even after I filed a Chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I tried to short sale my home XX/XX/XXXX due to financial hardship. BofA agreed to the short sale but there was a purchase money XXXX mortgage ( also with Bank of America ) and they refused. The home went to foreclosure XX/XX/XXXX and sold back to original investor XX/XX/XXXX. BofA keeps reporting a balance due on my credit report which is harming my credit score and Inaccurate. In California Purchase money XXXX mortgages are supposed to be charged off when the property is liquidated. There is no recourse in this state. They are reporting a charge off but with a Balance. They keep changing what there reporting on my credit also. I have XXXX credit reports with them reporting different things on each one. I feel like there purposely trying to damage my credit by repeatedly reporting wrong dates and balances. I 'm sick of dealing with BofA, they are crooks!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I applied a mortgage from Wells Forgo in XXXX 2015. It has been a painful two months until I finally got the approval, as they asked excessive documents. Most of them were either trivial or irrelevant, as I have a perfect risk profile, with XXXX FICO, an income more than XXXX times of the monthly mortgage payment, no other debt, and was willing to pay more than 30 % as down payment. I complained to the loan officer several times, and each time WF cameback to ask for more unnecessary documents. Those included : my paystubs from XXXX years ago, all my bank and investment account statements back from 6 months ago ( totally more than XXXX of them ), explanation on every {$1000.00} dollar transfer between my bank accounts, and most ridiculously, proof of residence for some place I lived more than 15 years ago. I have also been asked for my intention for every my credit bureau inquiry in the past year. Overall, it seemed that they were conducting a criminal investigation instead of underwriting a loan. However, it became evident that they never looked at all the documents, as they had asked for some of them repeatedly, sometimes XXXX times during the process. 

Overall I have submitted more than XXXX pieces of documents and it cost me dozens of hours to prepare them. I am relatively financial savvy and very careful about documentation, and even so, the process took almost XXXX months and we nearly missed the closing date. During the XXXX months I have repeatedly asked to talk to the underwriter for her rationale to ask for so much documentation, but never got a response other than more requests. 

In my opinion, whether intentional from Wells Fargo or not, this cumbersome underwriting process has created a barrier for applicants with good risk profile to qualify for mortgages. It will be up to CPFB to decide, whether this practice is across the board, or only targets minority customers like myself. 

I have filed a complaint directly with Wells Fargo, but only received a plain vanilla response letter saying they have done nothing wrong. This was totally unsatisfactory and therefore I am filing this complaint to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: WELLS FARGO & COMPANY
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
1. I made a CASH deposit of {$1500.00} to my Wells Fargo Credit Card in error at a Wells Fargo office by mistake. It should have gone into my checking account. When I realized what I had done an hour later I called customer service to have it corrected. 
XXXX, CS told me it would take a few days to get it corrected. I waited a few days and it was not corrected. I called CS again and was then told it would take 10 days. I was in need of the money to pay bills so I tried to call again on XX/XX/XXXX and was told it would take till XX/XX/XXXX to get my money back by CSR, XXXX. I asked to speak with her supervisor XXXX ( sp? ). She told me the same thing. I asked to speak to her supervisor and was connected to XXXX XXXX from Consumer Care Dept and Research and Admin.. He told me he could do nothing to correct this until it was corrected on XX/XX/XXXX. We had a lengthy heated conversation at this point. Bottom line they would not give me back my cash until XX/XX/XXXX ( They would have then had held my cash for 23 days ) just because they said it takes time to process.. I asked for executive office number to file a complaint and XXXX XXXX told me he was it and their was n't anyone else I could speak to. 
I find this to be quite unfair to the consumer. In this computer age there should be no excuse that this could not be corrected sooner or quicker than 23 days. I believe that Wells Fargo is taking advantage of consumers like me and benefiting from the money be held for such a long. Just think, if this happened to other consumers, which I 'm sure I 'm not the only one that has made this type of error or similar error, how much it adds to their bottom line till they have to give it back.. If this 23 days is their process time to correct something, I think their process needs to be look at. and change.

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 2016-03-03
Company: TENET HEALTHCARE CORPORATION
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I recently checked my credit scores on XXXX XXXX. And I see there are collections from 2009. Syndicated Office systems, and central Financial Control. I have never seen a bill from them. They never even tried to contact me. I also don '' t remember even seeing a doctor that year.

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