BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-03
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
At the time of my payment being due I spoke to lender reps about other options I had to freeze payments for a bit, bc of the reason that my home income dropped during COVID. I went from 2 incomes to 1 income, and was struggling a lot to make payments. I asked for help and was told I could only get that help when the other borrower gave permission. However, I have told them repeatedly that the other borrower is no longer around, and there is no contact with him. I have been the one making the payments each month for several years, and on time. I can't help that our household income dropped to 1 only, nor that the other borrower isn't available.

Navient refused to help me without the permission of someone not even making the payments. It is my bank acct they have been pulling from for years not his. I asked if I could speak to someone higher up, and they said " the same info would be given ''. So I was refused any help. I explained to them, " Ok ... since I am not being given help, and the situation I am in is out of my control... you are giving me no choice, but to not pay at all. '' They responded with, " Okay, ma'am I understand. '' I told them to note that is the reason why they will not be getting a payment from me for a while, since they will not help me out. 

I keep getting calls non-stop and on several occasions have told them same thing ... : '' I need help with making my payments, and Navient won't help unless I get permission from other borrower. So basically you would rather not get a payment at all than help me out so I won't fault on my payments ''. They said, " That is correct ma'am... we need permission from the other borrower ''. 

I was never once offered the COVID relief program throughout the whole time of paying. I managed to pay them as long as I could, but when it came down to needing the help Navient refused to help me. I am now behind over XXXX. I just made a payment of a little more than 300, which will hurt my situation a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hi my name is XXXX XXXX XXXX I'm complainging about Western Union I Just want my bill to be paid on time I have to pay the XXXX XXXX XXXX XXXX.. dollers or XXXX .dollers for an Estate   reimbursement Reqsal  situation. Can you associate I'm useing the same debit card for my online purchases..as well I have three purcaess or rather Money Transfers in question but only have two tracking numbers and one of them are doubled for some reason they are XXXX which was supposed to go to my tax man XXXX XXXX XXXX XXXX also though he has the only other showing the amount for the same in-which not my intentions, I just wanted to associate for my Requsal I'm useing the same card this number or Mtcn is XXXX The other I had a hundred dollers sent to Mr. XXXX and they gave me a problem after I received my relieving I changed the name amen to XXXX XXXX .XXXX XXXX Please help I have a sick Mother.. 
My email is XXXX My Card Number XXXX XXXX XXXX XXXX XXXX ( for XXXX ) XXXX as seen on Card.. 
XXXX XXXX ... 
And my XXXX XXXX XXXX Exspired today ... and I sent a XXXX As well with a Notery to the people at Westren Union as well with what is a Insurance receipt for delivery from the Post Office..with tracking numbers Reqlusal  relivance of Notery within Reqlusal beats copy of I'd!!!! Ofcourse within whome gets notery Amritrad Obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: TX
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:
This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-12
Company: EQUIFAX, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX refuses to remove a settled debt off the account for my credit report to become more accurate!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Ascension Point Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My mother passed away 10 months ago. At the time of her death she has two credit cards with balances of about {$10.00} and {$50.00} respectively. XXXX XXXX. is the creditor for both accounts. I informed both accounts of her passing just a few weeks later and was told that AscensionPoint Recovery Services would contact me as the representative of her estate in order to collect the amount owed at the time of her passing. I was also told that this could take several weeks, but that no late payment fees or interest would be added to the balances. When we continued receiving statements for those accounts showing that late fees and interest were being added to the balances I called again. This time I was told that we could ignore the statements and that AscensionPoint would only request the account balance at the time of death. Over 8 months after my mothers passing AscensionPoint finally reached out to me about one of these accounts and then the other, attempting to collect debts from her estate of about {$160.00} and {$360.00} respectively, balances that DID include all the late fees and interest accrued over the months after my mothers passing. Because so much time had passed and it wasnt a very large sum I initially paid the first account without questioning it. Later I happend to notice my error. When I contacted AscensionPoint about this they were quite gracious in refunding the full amount to me with apologies. At the time, it seemed like an isolated incident and I didnt think much of it. A few weeks later when AscencionPoint contacted me about the second account, once again requesting an amount that was much higher than the account balance at the time of death, I started to get suspicious. I am still in the process of getting the amount they are trying to collect from my mothers estate reduced to the {$50.00} that it should be. It takes time, effort and patience. My experience so far, also from what I can gather from the AscensionPoint representatives Ive spoken to is that its very common for small credit card debts belonging to the recently deceased to be handled in this way. Its not unthinkable that XXXX and possibly other creditors intentionally delay the process of forwarding debt to collectors like AscensionPoint, letting the accounts rack up extra late fees and interest. Bereaved persons like myself, who have taken on the extra burden of handling an estates finances often dont have the time to double check every little thing or the energy to dispute the debts theyre presented with. Im therefore sure many people will pay smaller amounts like this without question. The fact that this happens to me not once but twice is disturbing to me. The question must be asked : Is XXXX intentionally or unintentionally taking advantage of the recently bereaved by charging unwarranted late fees to the accounts of deceased persons?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received a XXXX payment request for {$540.00} for XXXX This was a fraudulent request I logged into XXXX and saw the request There was a note on XXXX that said that if I didn't make the transaction, i should report it to the Fraud investigation team at XXXX I called this number thinking it was the XXXX XXXX investigation team they answered the call saying " XXXX XXXX XXXX ... '' they asked me to download the XXXX app to my phone so that they could see my activity, for the purpose of protecting me from future fraud they proceeded to ask me to log into XXXX, XXXX, XXXX, and XXXX. 
ultimately they asked me to add the recipent " XXXX XXXX '' to XXXX and XXXX for the purpose of verification and also to cover all of the bases for protection I did what they asked and then they asked me to type in XXXX on XXXX and send I ended up being scammed into sending " XXXX XXXX '' {$1000.00} I realized I had been scammed and hung up and called XXXX XXXX XXXX immediately to stop the payment which was still pending. They said there was nothing they could do except file a fraud claim, which I did. They then told me to call XXXX. 
I called XXXX and they said the only thing they can do is to alert the recipient 's bank of the scam. 
I'd like to file a complaints against both Chase and XXXX for not working with me to refund the money that I was scammed out of, especially because I called immediately while the payment was still pending and they didnt act quickly. 
scammers make millions off of the third party payers like XXXX and XXXX because they offer no protection to clients. They have an obligation to protect clients

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have already notified Macy 's and XXXX XXXX XXXX XXXX that this credit card was used without my knowing or permission. My now estranged wife had even used my social security number behind my back to open multiple credit cards without my permission. She is a con artist / serial defrauder and I have had to file for divorce because of this. I have severely and maliciously been defrauded by her. I am not responsible for the debt that she has incurred in my name. I am a victim of identity theft. Citibank even recognized this and deleted the Citibank entry from my credit profile. A police report was submitted to the XXXX XXXX Police Department on XX/XX/XXXX. I have found out that there are 7 other police reports with her as the suspect of fraud / theft. I opened this account on the day I purchased our wedding rings on XX/XX/XXXX solely to get a discount. That is the only charge that I am responsible for and I made that payment to XXXX XXXX XXXX XXXX on XX/XX/XXXX confirmation # XXXX. At the very least I should not be responsible for all of the in-store purchases that she made on my credit card because the employees failed to verify her ID against the name on the credit card. This is a practice that has disappeared in recent years and when my ID is checked I am thankful for merchants doing their due diligence.

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 2022-05-17
Company: EQUIFAX, INC.
State: NC
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 asked XXXX, XXXX, and Equifax on numerous occasions to remove personal information errors off my credit report, they either do not respond or the falsely verify with no grounds. These things need to be removed off my credit report at once. 


XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Several fraudulent charges made from XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX {$61.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$79.00} XX/XX/XXXX XXXX XXXX {$53.00} XX/XX/XXXX XXXX {$22.00} XX/XX/XXXX XXXX {$1.00} XXXX {$130.00} XXXX XXXX {$120.00} XXXX XXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello. 
This debt collector did not provide me with proper depth validation for this allege debt. Please delete this 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 2023-03-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
A duplicate payment of $ XXXX was made on my Wells Fargo credit card ending in XXXX on XX/XX/23. I called in to have it reversed and the person I talked to said that she made a request to do so but it will take about 11 business days to reverse the payment to a non-Wells Fargo checking account. 

I called in today, XX/XX/23, which is the 11th business day from XX/XX/23 because I still don't see it on my checking account. I was told that it takes 30 days for " research '' to be conducted and another 11 business days for the duplicate payment of $ XXXX to be reversed. This is LONGER than what I was originally told. I asked if there's an escalation process. The representative I talked to transferred me to his next level of support. The next level of support said there was no way to escalate or do a follow-up because there was no contact to talk to in the " research '' department. I asked what was the next line of support I can talk to. She transferred to her " manager. '' That manager hung up the line. 

The $ XXXX that was pulled out of my checking account was supposed to pay for my bills, mortgage, insurance, property taxes ( and checks that now bounced ) that I could not do because Wells Fargo wouldn't give it back 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 2022-10-19
Company: National Finance Company, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After disclosing to XXXX XXXX located in XXXX XXXX XXXX, SC on XXXX XXXX XXXX XXXX XXXX XXXX, that I was unable to make my next payment due to a death in my immediate family. They were reluctant to work out a payment plan with me at the time and encouraged me to submit payment as soon as possible. I immediately starting receiving threatening letters at my home address demanding payment or my items would be seized and/or I would be sued by their company. After carefully reviewing my credit report, I noticed that XXXX XXXX made UNAUTHORIZED HARD INQUIRIES on XX/XX/2022 and XX/XX/2022 that I did NOT give permission for. XXXX XXXX XXXX has no permissible purpose according to the FCRA. When I called to inquire about the unauthorized hard pulls on my credit report, XXXX, ( employee of XXXX XXXX ), claimed he had no knowledge that this was done. Due to those unauthorized hard inquiries and unfair reporting practices, Im unable to receive any further loan assistance. Attached is a document proving the hard inquiries were pulled via XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
there is this guy trying to get my information and try to ruin my life and getting my personal information and he's also making a XXXX XXXX against me and also he's trying to get my social security number and places where I live and I'm scared that he's going to take my identity and i dont know what to do and i need some advice or something please help me protect my credit card and my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: NV
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 have a charge off that is not mine I have uploaded all asked for documents including my drivers license social police report everything! The will not take it off my report even though I have provided proof! I have the right for everything in my report to be 100 % accurate

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 2021-01-12
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There was Fraud on my Bank Checking account starting on XX/XX/2020 XXXX for a total of {$28000.00}. I found out about the Fraud on XX/XX/2020 and called customer service at Atlantic Union Bank to alert them about the Fraudulent activity on my checking account and to freeze my account to prevent more charges. The next morning XX/XX/2020 I met with XXXX at the XXXX Atlantic Union Bank about the Fraud. She confirmed that my account is locked and I filled out documents to start the refund process. She told me it should not be a problem getting a full refund on the fraud transactions. Also instructed me to get a police report in which I did with the XXXX Police Department. I met with officer XXXX XXXX and my case report # is XXXX the same day. 

XXXX sent me an email stating that the refund was refunded on XX/XX/2020 but only {$15000.00} was refunded. I replied to the email and stated that I hav n't received the rest of the refund of {$12000.00}. She replied that the fraud department said that those charges were not eligible for refund. Here is the email below. 


This is what I got from the Fraud investigator XXXX, The customer has been reimbursed for the check and the eligible ACH transactions. It is my understanding that several of the ACH items that were disputed were not eligible for credit, as they were reported outside of the timeframe. The customer will need to continue to work with law enforcement to recover additional funds. Please let me know if you have any additional questions. 

XXXX XXXX Senior Branch Manager XXXX # XXXX T : XXXX Ext. XXXX XXXX XXXX XXXX XXXX, VA XXXX Here is my timeline. I reported to XXXX XXXX as soon as I notice it was Fraud on my account. 

Timeline : XXXX - The Fraud started XXXX - The day I noticed the Fraud and reported it to the Atlantic Union Bank Customer service number that day. 
XXXX I met with you that morning to make sure my business account was locked to avoid any more fraud and start the refund process on the fraud items. 
__________ I have banked with Atlantic Union bank for years and I'm very disappointed that they are giving me a hard time refunding my money back and being on top of the refund communication.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: FL
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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