BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-12
Company: Navient Solutions, LLC.
State: FL
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:
ON XX/XX/XXXX I was given counsel by Navient representative to consolidate my student loans through Direct Loan Program because my student loans would not be forgiven even though I met the qualifications for public service loan forgiveness during the loan period. I was told by Navient ( aka XXXX XXXX ) in XX/XX/XXXX that my loan would be forgiven in XX/XX/XXXX. Therefor, I did as they suggested an completed the Direct Loan Consolidation so that my loans would qualify ( yet again ) for Public Service loan forgiveness. 

On XX/XX/XXXX I submitted my application for consolidation. During that process, it allowed me to complete the Income Based Repayment plan as a part of the process in which I submitted ALL documentation during that session. 

I was also told to submit my normal IBR application for the original loans that was held by Navient. On XX/XX/XXXX I submitted my normal renewal for the IBR. 

On XX/XX/XXXX I contacted Navient because I had not received any notification of the status of my Consolidation nor my XXXX. I was told at the time that everything was still in process, and that i was given a 30 day Forbearance so that they would have time to process the consolidation and XXXX without penalizing me. 


On XX/XX/XXXX I get a letter in the mail that stated that My loan is due for full repayment within 9 days ( XX/XX/XXXX ). 

On XX/XX/XXXX I contacted Navient. I spoke with XXXX ID # XXXX. She looked into the issue and noticed that ALL my paper work for the consolidation was completed, but for some ODD reason the IBR was not processed, no one in Navient took any action to process it. She stated that all teh IBR documents were present. And that there was no known reason why my IBR should have not been processed. I expressed to her that Navient has a vendetta against me personally because I keep reporting and complaining about how they treat XXXX Americans conservative XXXX. They intentionally mess up my paper work to cause undo hardship and stress upon my life. 

The rep stated that she would expedite the IBR application and would send an email out at that moment as proof of our conversation. I never got the email. She also stated that the expedition would take until XX/XX/XXXX. However I explain to her that the forbearance ends XX/XX/XXXX. I told her that Navient would find a way to penalize me for this issue that was NOT my fault. I also told her that everytime I talk  to someone at Navient, each rep tells me something different about my account situation. 

These people have been lying to me for years. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
As the current co-borrower of the loan, I have requested to assume all of the loan as the sole borrower. During the application process, on XX/XX/2023, I was asked by the loan specialist to provide personal details related to bank, VA information, sensitive personal information that would be used for a " credit check '' and to move the application process forward. Nowhere during the application process did the specialist inform me that I had to sign 10 e-sign documents that were specific to the loan servicing company. 

On XX/XX/XXXX, I received an email from the same specialist informing me that I needed to sign all disclosures to continue to next step of the process. During the review of the non-editable documents, I found over 10 discrepancies that either was related to the servicing fees, mortgage insurance fees ( to be prepaid ), VA loan details that were inaccurate and/ or redundant. Additionally, one of the documents asked for my consent to share my personal information with a buyer 's agent. All of these documents were not discussed prior to the e-sign portal. 

On XX/XX/XXXX, in the same email, the specialist informed me that another specialist would assist with the next part of the process. I emailed with a response and all discrepancies to the other specialist and asked to raise this concern with the manager. I called the manager on the XXXX, as well, and left a voicemail. 

On XX/XX/XXXX, I emailed for an update and didn't receive a response. On XX/XX/XXXX, I emailed again for an update and received a response that the new specialist would not be able to edit the existing application documents and that I would have to go through the application process, with additional processing fees and credit check fees. I asked that we find another solution and to please escalate to the manager, again. 

Overall, the entire process, which is stipulated by the Loan servicing compliance department, is that this assumable loan be completed within 60 days of original date of my divorce decree. Due to this time constraint, and the Colorado law, I must comply with the removal of the co-borrower on my original loan and assume the loan as a sole borrower. 
If requested, I can provide email correspondence, from my personal email account.

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 2020-06-14
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/2020, I withdrew {$45000.00} from my XXXX XXXX   Account and transferred it into my J.P. Morgan Chase accounts ending in XXXX and XXXX. 

Chase gave me access to that money. Then, Chase performed a debit return. The money was transferred back into my XXXX XXXX   with the joint holder. 

My Chase accounts went into the red, and I had to deposit money to get them back to a surplus.

My Chase accounts are still frozen. Chase has blocked me access to my own money, even if I try to retrieve it from the branch bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
We have limited time to work with you before we must return your Crown Asset Management, LLCXXXX XXXX acct to our client. See your options at XXXX or call XXXX. This text is from XXXX XXXX a debt collector. Reply STOP to opt-out Ref # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Nothing happened and CFPB side with the bank and closed out my complaint What happens now? 
You dont need to do anything else. The complaint process is complete. 

We have taken the following additional actions on your complaint : We added your complaint to our Consumer Complaint Database Your feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share feedback with the company. 
We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. 
We appreciate your participation in the complaint process and your feedback on the companys response. Both are important to us and to other consumers who may have the same issues and concerns.

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 2023-02-19
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX  account should be closed after 7 years. 

XXXX and XXXX have closed XXXX XXXX. This is 7 year old account. Additionally, the account has been reported as fraud. The account information is not correct. The Florida address does not belong to me. 

XXXX XXXX is providing equifax with falsified information. They are misrepresenting my information. XXXX XXXXXXXX XXXX is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: EQUIFAX, INC.
State: IL
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:
All 3 of my credit reports have wrong information, all the companies that was Identity theft was removed. per XXXX XXXX XXXX, I also had to get connected with The Attorney General Office and made police reports. I been seeking help for over 3 to 5 years on some of these accounts. It was found out all the accounts is Truly Identity Theft and was Removed from my credit files. but yet its all still showing I have attached the information from my Attorney office to prove it should have been removed over a month ago. Life is not good with so much Identity theft. Im fighting hard to clear my name please you guys remove it forreal I have know Idea how its still showing when all the companies renoved it. Please see the attached proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023, my money was supposed to be transferred to XXXX XXXX XXXX  from XXXX  through XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the partner bank of XXXX has been holding all the money for XXXX weeks. 

Because the XXXX XXXX  and the beneficiary name/ account number don't match, Barclays is supposed recall the transaction and return all the money to my XXXX XXXX accounts.

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 2023-09-19
Company: Conn's, Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Conn 's appliance company acct # XXXX. I wrote them several times and the credit bureaus about these two erroneous errors on my consumer report or credit report. I dispute with # of months high credit amount last reporting and the last date of payments. These are reporting 3 different ways on all 3 credit reports. According to the fcra A 100 % reporting inaccuracy on my report. They keep coming back with verified. These are not properly investigated. They are reporting wrong. This is hurting my score and to refinance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: MI
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. 
Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # 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 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 2020-06-15
Company: CL Holdings LLC
State: AZ
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:
Jefferson Capital company Originally : 12 XXXX Debit card This account was sent to collections in XXXX I made a purchase, A few days later returned the item, it showed up on my bank account as a double purchase instead of a return. 

I disputed it with my bank and XXXX sent it to collections. It has been reported incorrectly as being in collections in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Mercedes Benz Financial Services
State: CA
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare an appeal for investigation before I confer with my own counsel to obtain advice on how to handle an incorrect and unverifiable account that is keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

MERCEDES BENZ FINANCIAL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am requesting a statement of account under Article 9 of the UCC for Bank of America EDD Debit Card for " XXXX XXXX '' account ending : 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 2018-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bank of America has reported me late on my credit report without sending me a notice that a payment was due. I have been on auto pay for the past year and have always made my payments on time. When I called the company I spoke with a Mr. XXXX who advised the bills and notice that my year was coming to an end was sent to the wrong mailing address as well as the incorrect email address. I'm trying to purchase a home and I need the mistake corrected. I 'am current on my payments, and Mr. XXXX has put in a request to have the mistake corrected. I need it updated with all 3 credit agencies ASAP.

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 2023-10-21
Company: Chime Financial Inc
State: TN
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I was XX/XX/XXXXon XX/XX/XXXX. I had a deposit to my chime account of XXXX I was released fromXX/XX/XXXXXX/XX/XXXX thinking I still had money in the account I didnt have acsess to the email connected to the account so I called they tell me my account had been closed for suspicious activity that my money was not in the account I explained that I had been XX/XX/XXXX for the past two years so they tell me the mine was taken out of the account in XXXX of XXXX I again explain I was in XX/XX/XXXX I couldnt have withdrawn any money and that no one had permission to acsess my account they give me the run around for 3 months email after email talk supervisor after supervisor finally one supervisor tell me that chime hadctaken the money for a credit builder card which they offer I had XXXX of credit with them and had not used it so where was my money she tells me that chime took it and closed the account that she was sorry nothing I could do basically and would never let me acsess the account so they stole my money which was deposited from the Florida XXXX I would like my money they are common theives please help me or give some advice of what should do thanks I dont have the card number my wallet was thrown away when I went to prison and chime would never let me acsess the account they closed it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-12
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:
This is XXXX XXXX and I am submitting this CFPB complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$120.00} - XXXX XXXX XXXX XXXXXXXX Date opened XXXX XXXX, XXXX Balance {$710.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA.

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 2023-09-18
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: OH
Product: Credit card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XXXX XXXX credit card company was no help in helping me reduce payments during financial hardship they turned payment over to Crown assessment management company. They harassed me repeatedly daily, even calling relatives that they could find harassing them. I set up a small payment plan with them but I do not get any monthly statements Ive been trying to reach them to see my balance on this account and I can not get through to them., nor will they email or call me back they are ruthless horrible people

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I asked them in XXXX to remove these crazy inquiries that arent mine I sent in and am again here my id theft report to delete this, they picked and chose some and left others this isnt okay Im sending proof again and want them all deleted please XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX 2025

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