BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-04
Company: Navient Solutions, LLC.
State: OH
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:
I graduated and consolidated my loan started paying on my loan consistently starting  XXXX   XXXX . Never made a late payment.  XXXX   XXXX  -I called  Navient  to get information on the  Public Service Forgiveness Program a coworker mentioned to me the program   existed. The representative from m Navient  explained to me the stipulations, terms of the program are the following- to pay on time  120  payments and work for a non profit organization. She checked my employer  {  same employer I have had since  XXXX  }. Stated the employer meets the criteria of non profit. I asked if Navient would consider ALL my payments I have made since  XXXX   XXXX . She stated yes they would go as far back as  XXXX   XXXX  and consider those payments toward the  120 p ayment that are required. She stated to continue paying as I have. Since, I am approaching th e 120 p ayment mark I started the process to forgive the loan. I contacte d Navient fo r information  XXXX   XXXX . They directed me to Department of Education. I spoke with a representative there who directed me to get the form online. I completed the application and employer validated. I sent in the form early  XXXX   XXXX . I just received  XXXX   XXXX ,  XXXX  the denial letter with the reason being based on the type of loan. I called  Navient   XXXX   XXXX ,  XXXX  spoke wit h two  representatives who apologized for the miss communication but made no effort to come up with a resolution. I spoke with a supervisor at  Navient w ho mentioned he would file a compliant on my behalf. He stated with the compliant I  " may ''  be able to have my previous payments considered. All reprentsatives at  Navient  mentioned I would still be able to qualify by consolidation and paying for anothe r 120  payment. I spoke  XXXX   XXXX ,  XXXX  to a representative from Department of Education. She stated the full process of what needed to be done. I needed to have consolidated as a Direct Loan -she even mentioned I should have been explained the process when I consolidated but I do not recall ever being told anything. I have worked public service since  XXXX  so I would have taken the opportunity to enroll in the program right away had I know about this. Even if I was explained the process in  XXXX  I would have enrolled at that time as well. Since I was told they would consider as far back as  XXXX  I continued to pay never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I opened the account in   XXXX   XXXX    2015 with the promise of a promotional deal to deposit {$20.00} and receive {$20.00} . I confirmed that the account had {$40.00} soon after. I did not use the account as there were fees to check balances, withdraw cash and other assorted fees. I let the account sit for a long time unused. I received a new debit card in the mail recently and thought it was an updated card. I activated the card and noticed a   XXXX  balance. I called the company on   XXXX   to dispute the balance. They informed me that this wa s not the same account. I asked about the old account and they informed me that it was also at a   XXXX  balance. When I inquired as to why, they informed me that because the account had sat unused  for more than 90 days, there was a {$5.00} account maintenance fee that was charged every month. When I asked why I was not contacted prior to this starting, they informed me that it was " on the box for the card ''. I have no idea what that means. I assume they are implying that it was on the terms of service agreement. In any case, I asked to speak to a supervisor and was told the same thing. I was not contacted once about this monthly maintenance fee nor about the requirement that the account must be used every 90 days.

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 2021-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have attempted since XX/XX/XXXX to refinance my HELOC with Bank of America. I learned in XX/XX/XXXX that they claimed they needed some additional documentation but did not contact me via email or in writing because they said I had a do not call on my account. This year, I got the same runaround and was jerked around in XXXX and XXXX of XXXX. I finally talked to a women at the bank who was not helpful, telling me that I had no equity in my home. I owe approximately $ XXXX on my first mortgage and $ XXXX on the XXXX. My house is worth at least $ XXXX. 
I am a XXXX old widow with only my XXXX  and XXXX income. I have no living relatives and do not want to lose my home. I have enough monthly income to pay my debts.

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 2023-01-13
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company refuses to provide me any information about this debt. Continually harasses me. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Hello, I am requesting the original wet signature purchase agreement that shows you are the legal owner of this alleged debt. 
Thank you, XXXX -- XXXX XXXX ( XXXX ) XX/XX/2023, XXXX XXXX XXXX XXXX XXXX, Im sorry for any confusion about our email, but Im happy to clear things up for you.

We are TrueAccord, a XXXX party collections agency, working on behalf of XXXX to help collect on this outstanding balance. We are happy to work with you to get this account resolved for the outstanding {$26.00}, but requests for compensation, refunds can not be resolved with TrueAccord. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX/XXXX  - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

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 2017-05-04
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A while back, I was thinking about switching from  XXXX   XXXX  to   XXXX   XXXX  . I ordered the   XXXX   XXXX   package but sent it back withi n 3 day s and told them why I sent it back ( I could n't set it up and  XXXX  would not send a technician out to set it up ).  XXXX  even represented that I had every option to cancel within  3  days. That 's exactly what I did. I sent them repeated notes telling them that I owe them nothing because they did n't provide any service and I canceled in time. Since then,  XXXX  has hired  1 debt co llection agency after another, and each time I tell the debt collector that this is a complete fraud. Yet, they persist. As of  XXXX     2017, this is  th e 3rd  debt collection agency attempting to assist  XXXX  in trying to rip me off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I bank with USAA, the app told me I could deposit cash at a local XXXX XXXX  ATM, on XX/XX/2023 I attempted to deposit {$1700.00}. It came back with an error and attempted to refund my cash. In the process the machine jammed and I only got {$200.00} back. When I called XXXX XXXX  they informed me to file a dispute with USAA since I'm not their customer. I did so and they declined the dispute stating they couldn't get information on the machine due to the fact that it isn't a machine they work with, even though they confirmed the transaction attempt. I've tried all avenues I could find and still haven't gotten my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 has continued to list the account with the credit reporting agencies when it had been deleted multiple times and reinserted which is a direct violation of 15 USC 1681i B requirements relating to reinsertion of previously deleted material unless confirmed by the consumer which is invalid. Please delete duplicative reporting that is causing harm to my financial reputation. These reinsertion is violating code of federal regulations FDIC regulations and compliance.

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-06-07
Company: Experian Information Solutions Inc.
State: NY
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 am a victim of Identity theft, I have submitted a report to Experian multiple times and haven't recieved any correspondence. My identity was stolen from a family friend and ex employee of mind who stole my identity to open up a fraudulent loan under my name from XXXX XXXX XXXX. I did file charges against him at the time but the XXXX  charged him with XXXX and XXXX XXXX XXXX XXXX XXXX XXXX against me and my family he is now serving XXXX to life for his crimes. This is not my account and should be removed right away. I am attaching an FTC report, my license, and a judges order.

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 2022-03-23
Company: Heartland Resolution Group, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Heartland Resolution Group called me from XXXX XXXX XXXX on XXXX around XXXX XXXX. My phone rang once and disconnected, so I called them back. They purport to be a debt collector company and alleged I owed a medical debt to XXXX XXXX XXXX. I told them I don't owe them or anyone any debt and none of my medical bills are in collections. They pressed me for personal information to " check my account " and I said no, and they hung up on me. I XXXX  them and they are a scam company that goes by the names Heartland Resolution Group, Heartland XXXX XXXX, and/or XXXX XXXX XXXX XXXX I called XXXX XXXX XXXX and asked them to check if any of my accounts with them are in bad standing or have gone to collections and they told me no, and that furthermore, they have no idea who the Heartland Resolution Group, XXXX or Heartland Group even are. I called Heartland back and let them know that I know they are a scam, fraud company and again they hung up on me. Read the reviews that are written about them online as it shows the extent of their con and fraud. They are basically conning people into setting up debt " payment plans ''. They keep the money you give them thinking you are paying off debt and do not give it to the real creditors. My outstanding bill with XXXX XXXX is around XXXX dollars and still in review with my insurance company so I have no clue how they even knew about it. I am reporting them to the Attorney General of my state for investigation. They are thieves of the lowest kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The account was open fraudently.I was XXXX.I never open nor gave consent to open using my name.The account been reporting on my bureau after contacting Experian and XXXX XXXX.I would ask respectfully that the last page of the documents.That not my signature on the contract for XXXX.I signs the XXXX behind my name see id and social.If this cant be investigated properly and what procedure taken be forwarded to me via mail or email, I personally would ask for the legal address to serve suit. The name of XXXX is on the face of the report as well as XXXX  dates and a letter of 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 2017-05-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Since  XXXX ,  XXXX  I have consistently requested that WFHM produce documentation ( proof ), that  WFHM has in fact re-affirmed my mortgage loan to the NC courts and credit bureaus. WFHM has repeatedly sent duplicate information to CFPB and will not send the requested documents stating the re-affirmation. Under the Fair Credit Reporting Act 1   5 USC S 1681i. It is the law that WFHM  produce a ( procedure in case of disputed accuracy ). Additionally I request a Promise to report payments in writing. As I have researched this issue, I have learned that this is common practice among WFHM, which in turn WFHM continues to fraud mortgage holders after a bankruptcy. WFHM  has a practice of not re-affirming the loan and floods the CFPB with constant duplicate paperwork as justification to said fraud. It is my hope as I state once again, for WFHM to 1 ) Produce documentation Under the Fair Credit Reporting Act 15 USC S 168i.
2 ) Produce documentation of Promise to Pay in writing.
3 ) Produce documentation of Re-affirmation of my loan after bankruptc  y  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 2023-06-07
Company: Experian Information Solutions Inc.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXXXX/XX/2023 - Unauthorized Inquiry XXXX XXXXXX/XX/2023 - Unauthorized Inquiry XXXX XXXXXX/XX/2023 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to XXXX5 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-10-18
Company: Nelnet, Inc.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I first applied to change my IDR plan to the new SAVE repayment program on XX/XX/XXXX. 

I received an email on XX/XX/XXXX that Nelnet was processing my application and if they hadn't finished processing in 10 days, they would send a follow-up email to let me know. 

I did not hear anything from Nelnet so I sent them an email on XX/XX/XXXX to request information on my account. I had read on XXXX that sometimes Nelnet needed tax return/pay stubs to process SAVE applications, so I submitted those directly on their website in case that was holding my application up. 

On XX/XX/XXXX, Nelnet wrote back and said that there was no additional information needed from me and my application was still pending. 

On XX/XX/XXXX, Nelnet sent me a form via their website that indicated I was required to make a one-time Reduced Payment Forbearance payment to continue processing my application. The letter stated " The one-time Reduced Payment Forbearance payment amount you chose is. The payment is due on. '' ( no typos, there was no payment amount or due date indicated in the letter ). 

On XX/XX/XXXX, I wrote back to Nelnet and asked what my required payment and due date would be. On XX/XX/XXXX, Nelnet wrote back to indicate my payment amount of {$5.00} is due before XX/XX/XXXX. 

On XX/XX/XXXX, I made a {$5.00} payment on Nelnet 's website. My payment was processed but no changes were made to my account on Nelnet 's website. I wrote to Nelnet and asked if my application would be processed. I have not heard anything back and Nelnet 's website states now that I am in Standard Repayment and owe the standard payment on XX/XX/XXXX. 

Between all of this correspondence, I have tried multiple times to contact Nelnet customer service via phone. Each of these times I have waited more than 2 hours and have not been able to talk to a person. Nelnet is only available during work hours and I can't wait on hold for hours and hours at a time. It is unacceptable that I can't get answers to these questions anywhere - on my account, via chat, via email, or phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Escalation of Dispute - Formal Notice of Intent to Sue I am writing to express my dissatisfaction with Early Warning Services ' continued denial of my requests and the lack of resolution regarding the unauthorized sharing of my consumer information. 

I understand Early Warning 's classification as a specialty consumer reporting agency under Section 603 ( x ) of the Fair Credit Reporting Act ( FCRA ). However, I strongly assert that this classification does not absolve Early Warning Services from respecting and upholding consumer rights, particularly regarding information sharing as outlined in 15 USC Code 1681b. 

Despite multiple attempts on my part to address and resolve this matter amicably, Early Warning has consistently provided the same response, citing their exemption under the FCRA. This response is both unsatisfactory and unacceptable. 

I want to reiterate the impact this situation has had on me, causing significant financial distress and hindering my ability to access essential banking products. The continued stale responses are not only unhelpful but also frustrating, leaving me with no choice but to escalate this matter.

Company response to consumer: Closed with explanation