BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-17
Company: Navient Solutions, LLC.
State: VT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Ever since I graduated college in  XXXX  I have been unable to pay the full monthly payments on my student loans without significant help from my family. I have made multiple attempts to lower my payments t o Navient,  but they are either unavailable or I have been unable to find them.   Either   XXXX   XXXX   or   XXXX   XXXX   I was unable to make any payments at all, and unable to find any option for deferral I stopped paying and went into default. Since then,  Navient ha s harassed me, my family members, my friends and my employers. I 've been told by Navient that they handle all debt collection in house and do no sell debts to deb t collectors, a  month later they sent me a letter telling me that they were  going to hand me over to a debt collector if I did not settle my outstanding debt, and 2 week s later they called me trying to settle and claimed that I was not being handed over to a debt collector. During that conversation I was also told th at Navient " does  not lie '' which was a flagrant lie.   Before going into default I had a single federal loan ( all remaining loans are private ) o n 3 separa te occasions I ( or my mother ) sent payments with instructions that they be applied only to the federal loan, all 3 times the payments were divided among all of my loans, so we gave up that strategy of paying off smaller loans first.   Trying to recall the litany of lies and harassment I have received from Navient/  XXXX   XXXX   would be impossible. I have receive d 8 robot  calls per day, every day for a week. They have called my mother, my brother, my father and my boss, and probably others. I get strange calls even now that sound like scams ( "  act fast  to take advantage of special student loan forgiveness '', that sort of thing ) and when I get past the recordings and speak to a human being, they hang up as soon as I ask who is calling. They do n't send me mail in normal envelopes like a normal business. Mail f rom Navient comes i n greeting card envelopes ( no return address ) with the address written in a font that looks kind of like it was written by hand, but they seem to have their printer o n color sa ver mode, because the dither in the printing and the faint scan lines give it away.   Dishonesty comes as naturally t o Navient as b reathing does for the rest of us. I once accused them of being run, if not by the   XXXX  himself, certainly one of his   lesser  XXXX . I stand by that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
Hi, My name is XXXX XXXX and i have been a BofA customer since XXXX and am a XXXX customer for the bank.. 



Complaint details : Last week i had put some furniture for sale and a person texted and called me showing interest to buy the furniture. The customer ( XXXX XXXX ) sent me a Cashiers Check for an amount of {$1700.00} ( {$500.00} for XXXX and {$1200.00} for transportation ). 



i deposited the check on XX/XX/XXXX and BofA took 1 day to verify and credit {$1700.00} into my account and i was asked by customer to transfer {$1200.00} to the transporting company once the check gets credited using XXXX another service provided by the Bank. 



Same day based on a call with the customer i got suspicious and asked the bank to stop the transaction of {$1200.00} ( on XXXX ) to this transportation company as it was still in processing and the movers never delivered the service as agreed. 



Late friday night ( XXXX ) i saw that {$1700.00} was being debited from my account by BofA saying that the Cashier 's check was fake. 







Issues : As a customer i trusted bank for XXXX of its services. first Cashiers Check and XXXX to do online transactions and Bank is refusing to block the {$1700.00} debit or {$1200.00} XXXX transfer. and as a customer i was cheated by a scamster. With BofA not taking responsibility and have stringent process in place it is helping scamsters to cheat lots of customers. 



Appreciate DOB helping me and other such customers from getting cheated and making Bank liable for giving scamsters loop holes that they can cheat customers. 



i have called and spoken to multiple support people from the bank and they are refusing to help. 



Thanks 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 2022-07-26
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I just found out about this agency from an article in a realtor magazine. My issue happened ten months ago. I applied to refinance my mortgage with United Wholesale Mortgage. I found a local mortgage broker on their website. I contacted him and submitted the requested documents, after a time I was told I was approved but would have to pay for a new appraisal, which I did. After the appraisal was completed XXXX ordered the title work from the closing attorney and set a closing date. That day was on a Friday so on the preceding Monday I closed out a my line of credit in preparation. I spoke to the closing attorney to see if I needed to do anything else and was told no. A few days before closing the attorney said the mortgage company was not responding to her request. She informed me the loan would not close on Friday. On the following Monday she was able to contact someone who said the loan had not been approved. I contacted the company and said your underwriting department ordered title and set the closing date. How could this happen if I was not approved. I got a lot of double talk. I said someone will have to pay the attorney and was told it would not be them. I said I would take them to small claims court, they then agreed to pay the attorney, but said they would not reimburse me for the cost of the appraisal. I also lost my XXXX XXXX line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have recently been unfairly denied credit because of information that has been included in my file. I have recently reviewed the copy my Credit Report report and I have found information that I believe to be inaccurate. The letter stated it was due to SERIOUS DELINQUENCY TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH I have worked really hard to raise up my credit score and feel this information is not right and is inaccurate. Also all my accounts have never been paid late nor have they ever been delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: JPMORGAN CHASE & CO.
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I've had checking account with Chase Bank since 2020. My monthly deposits avg {$3500.00}. 
I also own few stocks products, and a savings account. Chase amasses great revenue and number of account open due its partnership with XXXX in 2020, which requires drivers open Chase checking to receive their earnings.

Chase has been changing their way to operate, although I was never communicated about these changes, nor receive a document with the new terms.

What changed : Chase is using negative sign in my savings account when the funds available is used to covered checking transactions - you can see the screenshot - instead of savings going to XXXX balance, Chase now use negative sign, such - {$25.00} if the {$25.00} were transferred to checking.

The call center is now located overseas, and my information such phone number and ssn everywhere now, with repeatedly scam texts received.

The overdraft fee frequency : Chase decided that no longer use {$50.00} cap to issue an Overdraft fee, and I have one single {$34.00} dollars overdraft fee for every {$5.00} charged : that is I have 3 x {$34.00} posted overnight for {$5.00}, {$6.00}, {$17.00} charges posted overnight over XXXX I had month Chase charged XXXX overdraft fees ( {$300.00} ) without using the proper procedure as described in the contract.

Good thing is that with that I wake up and look to another bank to join.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: TX
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 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 explanation
Consumer complaint received 2021-03-30
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I contacted original Creditor and I got the paperwork corrected 2018 now new creditor threaten to take me to court and sue me for everything I got and that I can put my vehicle up for payment and that they can take my stimulus checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
this complaint is on Transunion and their unfair procedures that they hav been doing for months now on account XXXX XXXX XXXX XXXX XX/XX/2022 I sent Transunion a dispute based on the fact that transunion XXXX and equifax are all reporting a different running of reporting expiration period. by all 3 agencies reporting a different expiration date it is manipulating this account to be legally removed on 3 different dates. to my undestanding there is only one runnning of reporting expiration period under the FCRA 15 U.S.C 1681c ( c ) Running of Reporting Period.

transunion has sent me 2 different updated dispute results with two different dates but with the same file number. to my understanding if Transunion sent me two different dispute results then they completed two different investigations. if there were two different investigations then why are the file numbers the same? there is still inaccurate reporting on these results too. the estimated month and year this item will be removed still does not prove to be accurate when it comes to the payment history. the inconsistent information reporting is causing this account to be proven to be inaccurate and transunion keeps playing games. where are they getting this information from when I have never received correspondence from the creditor verifying they have disputed with the consumer reporting agencies based on my dispute. 

I took it upon myself to check all my transunion dispute results and I noticed that Transunion has been using the same file number since XX/XX/2022 when it comes to them sending me correspondences. this is not fair procedures that Transunion is committing against me. transunion is violating 15 U.S.C 1681 ( b ) Reasonable Procedure and also violating the respect for my right to privacy under 15 U.S.C 1681 ( a ) ( 4 ) I included copies of my reports they sent me. 

file number XXXX date issued XX/XX/2022 file number XXXX date issued XX/XX/2022 file number XXXX date issued XX/XX/2022 file number XXXX date issued XX/XX/2022

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 2022-07-26
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I need a confirmation letter that the trust was closed. 

When I call I get no answer. 

here is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Was the trust was terminated in 2007? 

This bank won't respond to my letters or calls and created a cloud in court

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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I would like to permanently delete the negatives items on my report that are paid. Details and proof is in the attachments.

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 2018-03-13
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, I contacted my mortgage companys customer service department to let them know that I received my XXXX XXXX property taxes in the mail and to ask if they had been paid. I found out through that call that they had paid only one of the four Parcels my home sits on. She asked me to scan the bills and email to them which I did XXXX XXXX. I was told to wait about a week and to call them back to check the payment status. I have called several times since then with no resolution, every time speaking to a different person. I actually spoke with a manager the last time I called and she promised to get back with me Friday XXXX that would have been the Friday before last. ) Everyone I have spoke with says someone will call me back. I have not received one call. At this point my XXXX XXXX taxes are late, which reflects poorly on my credit. I have been told by them that I can pay the property taxes myself if I am worried. Why should I do this when I have paid this money up front and it is sitting in my escrow? This mortgage was refinanced last year, but they have all the information. All 4 tax bills have always been paid from escrow in past.

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 2023-11-12
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/202XXXX XXXX XXXX EST, I scheduled a payment for a one time charge to Resurgent Capital Services L.P . The original creditor was XXXX XXXX XXXX XXXXXXXX. The amount that was due was {$880.00}. The customer service representative that successfully helped me confirm the payment was very informative & notified me that the payment processing would likely take up to 3 days. Today is XX/XX/2023, XXXX XXXX, so most federal institutions are most likely not taking deposits, which means the payment will be delayed for more than 3 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are credit inquiries on my report from XXXX XXXX that I did not apply for and I did not authorize this company to pull 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 2020-08-04
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I went to the XXXX. My insurance copay was {$200.00}. I paid it. The XXXX XXXX inappropriately billed me {$520.00}. I knew it was not my responsibility, but I called my insurance company to ask about it. They said that the bill was not billed right and that it was not my responsibility. This was in early XX/XX/XXXX. Then, I received a bill for {$520.00} from the XXXX XXXX later in XX/XX/XXXXand XX/XX/XXXX. I sent them a copy of the statement which said that the customer does not have the responsibility of paying the bill. Then, I began receiving bills from AR Resources, a debt collector. I called them in XX/XX/XXXXand explained that I had already tried to resolve this matter several times before. Their comment was, " If you had taken care of this before, I wouldn't be contacting you now. '' Ever since that conversation, their company calls me multiple times a day every day! I called them again on XX/XX/XXXX and stated that I never was supposed to owe this amount. I sent a letter as well as the insurance statement saying that after meeting my copayment of {$200.00}, I had no more patient responsibility. I am still receiving multiple calls every day pertaining to this.

Company response to consumer: Closed with explanation