BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-10
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I contacted my loan servicer, Navient, regarding the Deferment for Active XXXX  Treatment Act ( as signed into law Sept 2018 ). I was diagnosed with XXXX XXXX in XX/XX/2018, and only recently learned of this provision which allows borrowers currently receiving XXXX treatment to have their student loans placed in deferment. I contacted Navient on XX/XX/XXXX to discuss this option. I was told initially that no such program existed, but after insisting, was then told that Navient has no application in place for this " since it is so new '' and therefore I can not qualify at this time. After further insisting, I was told that they could place my loan into temporary forbearance until such time as the " federal government '' makes an application available. If I understand correctly, while my loan payments are now suspended, Navient is continuing to charge interest on my loans ( while under the deferment this would not be the case ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: LA
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:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.

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 2023-10-06
Company: Nelnet, Inc.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
See XXXX for background. 

I ended up waiting 45 minutes to speak with the supervisor ( after 3 hours to get a single human ). They informed me that the interest would be lowered by .25 % the following business day and I need not worry. I told them the previous agent said it would take 30 days. They insisted that agent was wrong. I told her I was very nervous that she would be wrong after I spent nearly 4 hours on the phone to get to this point. She reassured me and I hung up. 

It has been 3 days and the rate has not dropped by the .25 %. 

Customer support supervisor deceives lenders to get them off the phone and back in the 4 hour queue to speak with a human.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: BARCLAYS BANK DELAWARE
State: MI
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:
I have noticed that account ( Barclays Bank Delaware ) is reporting on my report. This is not my account. Im not the primary account holder. I was added as an authorized user fraudulently. The primary account holder and the credit card company wont remove me without the primary account holders permission. The account is not my account. InXXXX 2020, I contacted the company to ask that I be removed but was told I needed the last four of the primary account holders SSN, which I didnt have because it was unauthorized.

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 2021-05-05
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted Wells Fargo for a loan modification on the mortgage for a rental home that I have had since XX/XX/2009. The costs have continued to increase every year for the past 15 years, while the Section 8 rent can not be increased and the tenant owes more than {$5000.00} in back rent spanning the 15 years. I can't evict the tenant because I don't have the money to rehab the house for a new tenant. The housing market crashed not long after I purchased the property, so there has never been enough equity to refinance to a lower interest rate. I struggle to pay the mortgage AND make needed repairs to the property. 

I am still paying 7.25 % interest on this loan which is double current rates. Wells Fargo 's " modification '' is to just increase the length of the loan to 40 years at the same 7.25 %. I currently only have 15 years left on this mortgage and Wells Fargo is trying to make me agree to a 40 years term. Wells Fargo told me to stop trying to make payments during their months-long review of my application for a modification. Now it seems they are adding the back payments to the balance as 100 % interest without applying any of the back payments towards the principal. But I don't really know what they are adding to my principal because they won't give me a specific breakdown on how they have inflated the amount owed. They say they can not give me an amoritization schedule until AFTER I am locked in to their " modification '' .So I can't even see how much excessive interest they going to make off of my hardship. If I refuse the modification, the total back payments of {$3200.00} becomes immediately due and Wells Fargo will start foreclosure on the property because I don't have {$3200.00}. Wells Fargo is not offering a fair modification, they are just maximizing the amount of interst that they can get away with charging 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 2023-06-02
Company: Experian Information Solutions Inc.
State: FL
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 with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that 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 2022-10-12
Company: Grain Technology, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have been trying to make my payment through the app but it is not allowing me to. Ive submitted several requests through their website for someone to contact me and have been unsuccessful and now my payments are past due. I attempted to reach them on : XX/XX/2022, XX/XX/2022 and today XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to request the immediate deletion and removal of the accounts and information listed below from my consumer report. It has come to my attention that these accounts and information are being reported in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I insist on their immediate deletion from my consumer report, as their presence is in clear violation of multiple laws. I urge you to take prompt action and remove these accounts and information without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late.

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 2021-01-11
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: Public record information inaccurate

Complaint:
I am writing to inform you about an error on my credit report and request that you provide me with verifiable proof or delete the record immediately. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the court sent to your credit reporting agency as evidence that the information is correct. Bankruptcy ( Discharged XXXX ) I found such inaccuracy in bankruptcy in credit report : Reference Number is incorrect ; No contact information If you are unable to verify the account. The information should be removed from my credit report. Thank you for your 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 2022-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX sent XXXX XXXX a collection letter for a debt that she is not aware of. This was first letter but it claims that it tried to contact XXXX previously. This is a scam.

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 2022-10-04
Company: Experian Information Solutions Inc.
State: MD
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 sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-04-27
Company: United Collection Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The original account was fraudulently opened at fingerhut then they sold it to a collection company I contacted that collection company telling them it was not my debt and they said they would remove it off of my credit then a week later they sold the fraudulent debt to another collection company who is threatening to put it on my credit and Garnish my XXXX XXXX. When is this gon na stop I've already filed for identity theft and have proven it is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: GA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. 
there are items in my credit report that are misleading and inaccurate, I need the items investigated. please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$700.00} XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Balance Owed : $ {$1400.00} XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I sent a money transfer via moneygram at an in store location to my reciever and he was told that the transaction was canceled. When I tracked the transaction it said the money was picked up. I called moneygram and I was asked for the address and phone number of the store and was told my complaint would be escalated. My receiver was told on two different occasions that he went to speak to the director that I would have my money returned to me within days. It has been more than 10 days and I had to dispute the charges with my bank. Moneygram had issues with thier systems. I was sent a screen shot of the error their computer gave when trying to track the transaction. This is the tracking number : XXXX. The directors name who spoke to my receiver XXXX XXXX, is Mr. XXXX. Address XXXX XXXX XXXX XXXX Phone number is XXXX XXXX XXXX XXXX XXXX. I spoke to a man named XXXX at the moneygram escaltion department. No one has reached out to me or contacted me. And now I can not even log into my moneygram account. This transaction was created on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Netspend Corporation
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/2021 I purchased what I thought to be a gift card at XXXX pharmacy in XXXX, MA. I paid {$2.00} for the card and gave the cashier {$100.00} to put on the card. The cashier informed that the {$100.00} would not be accessible to anyone until the account was activated. 

XXXX transaction # XXXX ; cshr # XXXX ; STR # XXXX NETSPEND XXXX EACH XXXX XXXX CONVENC FEE Once I realized it wasnt actually a gift but instead was a bank debit account, I tried to return the card to XXXX. I was informed that gift cards are not refundable under any circumstances. 

I then tried to contact the company, Visa, directly. There are two phone numbers and a website address to contact with any questions. I was unable to reach a real person to speak with about the card. Both phone numbers provided on the card packaging would not transfer me to anyone without entering my social security number. I choose not to provide my ssn. 

This is a time sensitive issue as the debit account will start to penalize me {$5.00} per month if the card is not used. I purchased the card in error at XXXX, as it was situated with many other gift cards by he check out line. I think a fair resolution would be for the company to cancel the card without penalty fees and to reimburse me the {$100.00} purchase price.

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-19
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-12
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX, XXXX and Experian is furnishing negative items on my consumer report that's suppose to be excluded. The information was obtained under false pretenses through aggravated identity theft to help the furnisher extort me by using racketeering activities to compel and coerce me into paying alleged debt not owed.

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 2022-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Hi, my name is XXXX XXXX and Im sure youve been getting a lot of complaints from Bank of America customers regarding their AAA advantage card. I went to use my card yesterday and unbeknownst to me, it was declined. I figured there was an error in reading the chip at the grocery store so I just used another card and didnt think much of it. Then when I went to pay my bill today ( because it is the due date ), I noticed there was nothing to pay as there was no account information on the Bank of America app. When I called the customer service number I was informed XXXX XXXX bought out this card. I received no letter in the mail, no email, and didnt read anything about this on the Internet. I have yet to receive a card and the guy on the phone today ( who was not helpful at all by the way ) told me I should get it by the end of the month. He had nothing to say when I asked him several times why I was not notified regarding this change and customers should not have to swipe their cards to just be declined without knowing the reason why. I now have no access to my old statements, can not use my current AAA credit card until I have a new one, I have no access to pay bills online since I dont have a card to connect it to, and I would like information on how to transfer my balance to another lender who I have been with for years. I find this extremely unprofessional that Bank of America did not notify their customers, or XXXX for. that matter. Ive been a card holder with BOA since 2008 and its frustrating to say the least that we were not notified. The customer service representative seemed to have no information and I only got one Im sorry for the inconvenience out of him at the end of our conversation when he tried to make excuse after excuse not answering the questions that I asked him. Terrible! One very unhappy customer!

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