BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-17
Company: ALLY FINANCIAL INC.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I filed a dispute with my bank ( Ally Online ) regarding charges from a XXXX merchant that I requested be refunded. The XXXX merchant did not comply with the refund so I had resorted to disputing the charges with my bank. The date of the charges were on XXXX/XXXX/2016 and I contacted the XXXX merchant on XXXX/XXXX/2016 to tell them to refund me the full amount. I also contacted my bank that day to open a dispute about the charges just in case. The XXXX merchant confirmed that I would see the refund by XXXX/XXXX/2016 credited back to my account but by that day, only a portion of the full amount had been refunded. So I proceeded with pursuing the dispute through my bank and on XXXX/XXXX/2016 I was given a form to give a written account of the dispute. I completed and submitted the form on XXXX/XXXX/2016 and received no confirmation that the form was received by the disputes department ( using e-mail address XXXXXXXXXXXX ) and assumed they would contact me if and when they had or needed more information. Jumping ahead to XXXX/XXXX/2016 ( the date of this complaint ) I called to follow up and learn that they incorrectly closed my dispute because I said I was going to pursue the refund with the XXXX merchant directly. Not only is that false, but its stated right in my written form that this option was already pursued, unfulfilled, and that I expected the bank to pursue this route on my behalf. They did not issue the provisional credit back of the amount that I disputed within 10 business days of me submitting the complaint and they also incorrectly closed my dispute without any notice to me.

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 2015-05-07
Company: Navient Solutions, LLC.
State: TN
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 took out loans for schooling when I was XXXX years old. I was an XXXX and left high school with XXXX credits in collegiate courses. As a studious person, I did all the desired paperwork and classes available to educate myself on the process of financial aid. My parents did not have the money to put me through college but were adamant about me focusing on achieving my XXXX. Financial Aid advisors ( both in my high school and my colleges ) told me ( and my parents ) that " student loans are the easiest loans to take out. Even if you have the money, you should take out student loans, they are simple. If you do n't have a job when you get out of school, you can wait to pay them off. '' I took those " authorities '' at their words. I finished my XXXX degree after being enrolled in XXXX schools with XXXX degrees. I was never instructed that there are differences between federal and private loans. I was never told about the differences in repayment and assumed all student loans were equal. It was logical, all my loans ( except for XXXX ) were coming from XXXX XXXX. Now looking back it is insane to me that we are asking XXXX year old kids, with little to no exposure to even running their own basic budgets, to navigate the complicated intricacies of loans and repayment programs. The market crashed in XX/XX/XXXX, I graduated in XX/XX/XXXX. It took me a very long time to find a career and a job where I could afford to pay my student loans. Needless to say, I left school $ XXXX in debt with XXXX degrees, and could not find a job. I had no idea, but interest was piling up on all the loans I had acquired. I have, since then, found a career where I make a good amount of money. However, it is impossible to get out from under the student loan debt. I have paid XXXX of my loans on auto-debit for XXXX years straight. The original amount of the loan was $ XXXX. I have been paying $ XXXX $ XXXX on auto debit for XXXX years. My principal balance is now {$14000.00}. AFTER XXXX YEARS OF PAYMENT. I am frustrated and overwhelmed. It is not SIMPLE interest, like my home loan, but rather compound interest. I NEVER would have taken out student loans if this was explained to me as an XXXX year old. I had to BUY A HOME, to understand the difference between the types of interest. The concept of simple vs compound interest was never explained to me and as a result, even though my salary is high, I have very little ability to pay off these loans. It is a travesty of the education system that those concepts are not explained to people. Even with the salary I have, I am UNABLE to make the payments and as a result, set up for financial failure. How is this fair? I am trying to get ahead but frankly I have paid more down on my house and car in XXXX years than I have in XXXX years on my student loan. Should n't this stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My bank will not cancel my PMI on a 30 year conventional loan despite a proper request. I first requested it be cancelled several years ago and I understood I had to have 20 % equity. We paid about {$500.00} for an appraisal and it was around the 20 % equity threshold. We received a letter rejecting our request from the bank stating we needed 25 % equity. Where did this arbitrary threshold come from? We had no known recourse. 

Second, I recently again requested PMI be cancelled. We paid about {$500.00} for a 2nd appraisal and this time we clearly have at least 20 % equity. However, in the interim, and for the first time ever in the almost 10 years I 've had this loan, we accidently paid the mortgage 1 day late. Let me explain - my daughter was very ill and we were focused on that and did n't pay on time. I realized the error on the last day of the month ( payment is late if it is not paid by the end of the month due ) and called the mortgage company to explain what happened and went online and paid that day when it was still timely. However, it was already in the evening and the payment could not be processed until the following day, making the payment 1 day late. Based on paying 1 day late we now have to wait an entire year before we can again request PMI can be cancelled so that we have a year of on time payments. I called the bank and asked them to reconsider as a courtesy and explained it was a one-time error due to extreme family circumstances ; I posted a payment timely, called to explain the situation and explained the situation online, but the payment did n't process until the following day. They declined and are still requiring we continue to pay PMI. 

Through paying for 2 appraisals and the continued cost of the PMI for at least another year, we are out about {$2200.00}.

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 2017-03-08
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I rented an apartment with my now ex. We finished our first lease and renewed the lease for a second year. We started having problems in our relationship and I moved out XX/XX/XXXX, the lease ended in XX/XX/XXXX. The lease was paid in full. My ex decided to stay in the apartment. I never resigned a lease and from my knowledge they allowed him to stay in the apartment and extend the lease without my signature for a new lease. I had told them that I no longer live there and do not want my name on the lease anymore as the original lease had ended. The lady in the office said I ca n't take your name off of the lease because XXXX does n't make enough income to pay for the apartment. I fought with her telling her that my lease ended and I no longer live there. So she knew that he could n't afford the apartment and still let him live there. He ended up defaulting on the lease in XX/XX/XXXX. Almost a year after I had moved out. There was also damages to the apartment that are charged in addition to all the late fees and court costs. 
I have a letter from XXXX himself stating that he is solely responsible for the lease and apartment. Also the bill that the apartment complex sent out was ONLY billed to him. I have been fighting with the collection agency letting them know that I was not a resident after my lease contract was completed and paid in full for the duration of the lease. I never renewed or resigned anything after the lease ended in 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 explanation
Consumer complaint received 2017-05-01
Company: Finance of America Mortgage LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My wife and I applied for a mortgage loan last year with  XXXX   XXXX  at   XXXX   XXXX   in  XXXX , WA. After providing all my paperwork, I was approved for right around {$240.00} on a Conventional Mortgage Loan. I began working with an agent names  XXXX   XXXX , who assisted me with finding a property. The home we found was listed for {$240000.00} but we needed our closing costs paid so we offered {$240000.00}. This was a push on my file and debt ratios and I barely qualified. When my wife and I saw the monthly payment, we immediately expressed grave concerns to ou r Loan Officer and Real Estate Broker  and said we werent comfortable with it. Regardless, they continued forward with the process and ordered the appraisal while assuring us that we would be fine with the payment. After attending the required class for Homebuyers using down payment assistance programs, I learned more about mortgage loans and the importance of not putting yourself in a position where youre house poor. After much consideration, I reached out to  XXXX  and  XXXX  and told them that if the payment could not be reduced I was not comfortable going forward. Instead of working with me on it, they sent me a form to sign and said I would not be getting my  Earnest Money  back.     My wife and I feel it is unfair that we lost our Earnest Money of over {$2700.00} because we tried hard to let our Loan Officer and  Real Estate Broker  know ( multiple times ) that the payment was too high. In addition, after signing the recession form and forfeiting my  Earnest Money, I  realized that the lender didnt include the child support payment I am obligated to pay and therefore I should not have qualified for the loan to start with.     We strongly feel that we were coerced into buying a home that we explicitly stated was too expensive for our budget. We feel that our  Loan  Offer and Agent were both using extreme force and ignoring our concerns to get our loan closed and get paid. If you can please address our concern at your earliest convenience we would greatly appreciate it. The loss our  Earnest Money  has been truly devastating to us and we feel it was not warranted. It is our hope that you can assist us in getting it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Debt is stale, from 2003. 
Original debtor discharged this debt ; MCM collection agency has failed to provide verification and that debt was sold to several different companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I graduated XXXX XXXX XXXX ( XXXX XXXX XXXX, TX ) back in 2006. They are supposed to help you find a job but later they just forget about you. I submitted my resumes to a lot of companies back then with NO LUCK / NO RESPONSE. I have n't been working on my field because I have not been able to ... I found out right after I XXXX tried to sue our campues because all of them went on job interviews and COULD NOT get a job - their reason was " XXXX software was too outdated and old '' and what they had been learning was not up to date in the " real world '' - I wish I would have known this while I was still attending because I would have dropped out .... They don ; t really help you get a job like they claim, they do not transfer credits so you ca n't really go anywhere else.. I am a single mom with no child support - I am stuck with a XXXX privete loan that I have not been able to pay because I was trying to make ends meet. I got evicted from my apt . a few years ago. I have been paying something every month towards my private loan but I can barely make that payment to NAVIENT ( well, directly to XXXX collection agency ) - There 's has been a lot of lawsuits against XXXX XXXX on different states and more and more students are joining. I feel like I should not be paying for this since no employer back then was interested at all and XXXX XXXX did nothing.That school is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have an interest only loan with Bank of America that is going to re-ammoritize to a XXXX year loan. My house was hit by Hurricane XXXX and has lost a significant amount of value in addition to the housing market taking a fall. My loan is not HARP eligible which would have allowed me to refinance without an appraisal thus getting out of the high risk loan I am in now. When calling Bank of America they told me they do not have an in house HARP loan that would allow me to refinance or adjust my loan for a fee. My only options from what they said is to modify the loan. In order to do so I will go on a " trial '' payment for XXXX months. For those XXXX months they report my mortgage as late. I have worked my entire life to maintain impeccable credit. This will be devastating to my credit score. My only options beyond that are to try to sell it as a short sale or foreclose. I prefer to work within the system, I understand it is not their fault my home lost value. I just want to be able to refinance for a lower rate to make the payment more affordable. They are not willing to help. I am hoping for some advice. I have an NMLS number and have taken continuing ed. In one of the statements from the CFPB it encourages banks to refinance high risk loans with limited documentation. How do I get them to do that without affecting my credit negatively? Thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
It has been drawn out into the open that CREDIT BUREAU is not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX IN XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$260.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$55.00} XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$280.00}

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 2022-04-22
Company: EQUIFAX, INC.
State: IA
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:
n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Have been trying to find out if I have been compromised by the Equifax breach for over one month.  Every day when I go to the website https : //www.equifaxsecurity2017.com/ I get the message that the service is " temporarily '' unavailable. Calls to Equifax connect me to an automated line which does n't give me the option to connect to them to freeze my credit, something I am considering, but I ca n't chose that option or speak to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
In XX/XX/XXXX my daughter wanted to attend XXXX XXXX University in NC. She had just graduated from high school and having made XXXX throughout school I did not hesitate to help her when asked to help with school loans. My daughter later transferred to XXXX XXXX University in NC to pursue her XXXX because XXXX had a three year waiting list on their program. Once again I supported my daughter. She was maintaining a good GPA and taking college seriously. We hit a few bumps along the way with my daughters emotional stability and in XX/XX/XXXX she was diagnosed with XXXX ( XXXX ). She instantly became XXXX dependent on her father and I. I would 've never in a XXXX years thought that this would happen to my daughter. Now my husband and I are left to pick up the pieces of my daughters broken dreams and financial responsibilities. I have XXXX XXXX children and we as a family are barely making ends meet. I encouraged my daughter to apply for total XXXX forgiveness and she was told that I was primary on XXXX loans and they can not be considered for the forgiveness programs available today because these are private loans. Navient has done nothing to resolve my issue or help my family with repayment. They have threatened every inch of livelihood we have. I was told they would garnish our wages and put a lean on own house if we did n't start paying $ XXXX {$700.00} right away. We can not afford that as a family. Also, I feel there should be some consideration made on behalf of my daughter because going into this situation my daughter was in her XXXX and she had every intention on becoming a XXXX and signing a contract with a hospital to get her loans paid off. As you have read things did not go as planned. XXXX I am asking for help because no one seems to understand the struggle that our family is going through! My daughter consigned on all XXXX loans and I feel she should be eligible for a forgiveness programs because she was the one enrolled in college. I was not given any other options from Navient. They want the money or say that I will lose everything we have worked hard to keep. I 'm scared to think about where my family will be then. Can I be considered for forgiveness due to this circumstance? If not, I 'm in debt for almost {$100000.00} with no way out. Please help my family today!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
after, my initial complaint with Bank Of America ( case # XXXX ) i decided to close my checking and savings accounts with them. I went to the bank on XX/XX/XXXX at approximately XXXX for that purpose. 
I spoke with the representative about my request ... ASKED HER SPECIFICALLY to make sure my last 2 checks had cleared ( 1 of which was written to XXXX mortgage company for payment ) she stated they both HAD CLEARED ..so I then initiated the paperwork to close the 2 accounts ... i was given the funds from those accounts and i left .the bank. 
4 days later I received a notice from Bank of America, stating that my check to XXXX had been processed, apparently on the EXACT SAME DAY I CLOSED THE ACCOUNTS XX/XX/2016 ) ... .and it was " denied " for insufficient funds ..that was my MORTAGE payment which was written and mailed on the XX/XX/XXXX!!!! how could that happen when the representative told me it had in fact cleared and why did it take 6 days for BANK OF AMERICA to process ... ..it appears to me the timing is off on this SCENERIO ... if i was told it had cleared on the very day i was in there ... how could BANK OF AMERICA NOT HAVE PROCESSED IT BY THE TIME I WAS IN THERE AT XXXX ... ..SO YET AGAIN I am on the recieivng end ... incurring the problem and i have to do damage control ... take a hit on my credit score ..i have NEVER had a check returned for insufficient funds ... i had to call my mortgage company explain to them this was A MISTAKE OF BANK OF AMERICA and begged them to not penalize me OR SUB, IT A " DELINQUENT DING " ON MY CREDIT HISTORY BECAUSE OF A MISTAKE FROM BANK OF AMERICA ... unfortunately it was too late to avoid THE REPERCUSSIONS OF THIS MISTAKE WITH XXXX ... that being stated it would be nice to have Bank of America contact my mortgage company and explain what happened and have the negative impact of this " bounced " check removed from my credit history and credit report, thus exonerating me ...

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