BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-17
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My ex-husband and I consolidated a student loan back in 1996 for the amount of {$42000.00}. At the time we were married, and this was the easiest way to make the payments. Our loan was first with   XXXX   XXXX    and then was changed to Navient, whom we now have. After our divorce, my ex-husband went Chapter    XXXX    and by the time his repayment period was up, our loan had doubled to over {$80000.00}. During the repayment period, I tried to contact   XXXX   XXXX   and make payments but was told I could n't have access to the account due to the Chapter  XXXX . After this, we switched to an Income-Based Repayment loan, which was the only way we could afford the payments. We have continued to pay the loan every month since them ( with some time taken off for me to go back to school for a second   XXXX   XXXX   and a  XXXX these amounts are in a different loan with a different company which I repay through Income Based Repayment with no problems ) but our loan amount is now over {$120000.00}, and each year it gets higher because we are never able to pay anything to the principal.
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In addition, every time we try to recertify our IBR, it takes 4-6 months to get the process done. During this time, we are incurring late payments in the thousands and have no recourse but to defer those payments, thus adding to our overall balance. This year, I started recertifying back in  XXXX . I tried to submit my recertification information through FSA but my income on my latest taxes would not show, so I submitted the paperwork directly to Navient, including a copy of my taxes. They notified me that my ex-husband had not submitted his forms ; I notified him, and he did so. Despite that, the problem was not resolved so my ex-husband called Navient and was informed that I had to resubmit my information. I did this three weeks ago. Yesterday I got a notice from Navient saying that they could n't complete our recertification because they did n't receive my ex-husband 's income information ; this after they had told him his information was there, and I needed to resubmit. Now, of course, we have several thousand in payments due, which we ca n't pay-hence the reason for IBR in the first place.
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I want to pay this bill, but ca n't stand the run-around that Navient gives us every time we try to certify. I also ca n't see the purpose in paying a loan every month when the principal never goes down and when the amount is three times the original loan even after 20+ years of repayment. I believe that Navient purposefully gives us trouble with our recertification each year so they can collect more fees from us. To tell the truth, I do n't know where to turn to fix this and am ready to stop paying it altogether. The high amount is already hurting our credit rating in spite of the fact that I am conscientious about paying bills as is my ex-husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I disputed inaccurate information, inquiries, as well as accounts that was not mine that have been falsely reporting on my credit reports. I addressed these items was not valid and demanded they be investigated. I also demanded that any information not validated be removed from my reports, and anything that was verified I demanded to see proof of validation within 15 days of completion investigations. All sent certified mail it has been over 45 days and no changes to my reports have been maid nor have there been any proof of validation. According to the FCRA section 609 these agencies are violating my rights and reporting inaccurate and incomplete information as well as information thats completely not mine. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, are the accounts falsely reporting on my reports all information is different on each credit bureau as if there are duplicate accounts. XXXX refuses to remove old inaccurate address XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX and follow suite with XXXX and Equifax which have already removed this address. Even though I informed them of potential fraud. 
XXXX XXXX is reporting my wife debt which was just an insurance error and have been recently rectified and paid through my wifes insurance. Upon speaking with the original debt holder ( XXXX XXXX XXXX ) they informed me that they didnt tell XXXX XXXX that the debt was mind or that I was an co-signer, I was just listed on the paperwork as Spouse and as Father to my wife and daughter the two individuals who actually received the services falsely being reported on my profile. I requested debt validation from XXXX XXXX directly and they sent over what they have and upon reviewing items sent to me. There is nothing with my signature, nothing obligating me or co-signing, only debt in my wifes name. They have failed to validate the debt concerning me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: F&M Capital LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a phone call on Tuesday from F & M capital stating that I owe a past due amount to XXXX  University in XX/XX/2014. They stated XXXX XXXX paid for my tuition and I had to pay either a lump sum of {$3500.00} or the Full amount {$5100.00} in monthly payments. I wasn't comfortable giving them my information. They sent me a enrollment form to my email, However the address and zip code didn't match. They called me from 3 different numbers. ( XXXX  ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX. XXXX   called me this morning stating that he is from XXXX and that he would summons me in 48 hours. ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capital ones Fraud department closed my accounts due to fraudulent activity and never sent me a letter why the accounts were closed only that they were being closed and could not disclose why. The charges on these accounts were disputed and never fully investigated. Capital one has failed to provide documentation that these charges were made by me. Capital one is now trying to obtain judgements against me that I am disputing. Capital one removed  XXXX  of my accounts for this same reason but has failed to remove the other  XXXX . Now I want these judgements stopped and removed from my credit report since capital one is failing to respond to me with proof. They say no activity is found but yet there fraud department closed my accounts. Accounts were closed by credit grantor not by the consumer. I will be taking more legal action if these charges are not amended and the judgements are not stopped. Capital one is also still trying to pursue a judgment against me even though my wages are exempt from garnishment as well. I am considering filing a class action law suit because they will not provide me DETAILED DOCUMENTATION AS TO WHY MY ACCOUNTS WERE CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: MONEY SOURCE, INC., THE
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I had The Money Source take fund from my escrow account. Which then raised my mortgage payment. They tried telling me I have tax liens on my home. Which i did not. The closing company made an error. They never adjusted my mortgage payment. I have paid my mortgage on time since. I live pay check to pay check mind you. One income household. XX/XX/XXXX I paid my mortgage three days later XXXX  returned XXXX and XXXX payments. I called my bank to clear this up. They stated that this is on the mortgage companies end. I called XXXX  Monday they told me everything is fine and processed through to call back tomorrow just to double check. I called Tuesday another lady said the exact same thing. I said mark my account because this will be on you guys then. Sure enough I owe for XXXX and XXXX now. I used the money to pay off other bills I have. I am trying to catch up. One of their managers told me that my bank did it because they didnt recognize XXXX  XXXX Which is bull since I have been using the same account for 2 years. I paid XXXX back. I cant afford XXXX now. She told me they can add it for three months. Making my payment XXXX. Which is more then my pay check. I can't afford that. I had to fill out hardship paperwork etc. Now they're going to report to the credit bureau negative remarks. Which is not fair since I didnt mess this up. Instead of XXXX owning they XXXX  multiple times they blame me the customer. I don't want to hear I am sorry and hope your day is great. I want this fixed. I should not have a negative impact on this. Nor should I really owe this money. Noone I have ever talked to has heard of this happening who all own homes. It took me five years to get a home alone after I was cheated on and left with nothing. none of this really matters, but trying to survive in life is nearly impossible. I am in XXXX and need help with this. Really sad companies can do this. worst company I have ever worked with. I have also read multiple complaints from customers with issues with them. They need to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have applied for a hardship with cardinal financial for a total of 6 months. I applied to a program called Texas Homeowner Assistance to pay my past due payment. Cardinal financial has made it almost impossible to receive funds from this program. They have not called the program back after telling me several times they would. I submitted all modification department and they ensured me they were waiting on the HAf program to call them. When I called the HAF program to check the status they stated that they are waiting on my lender to contact them. I applied to this program on XX/XX/2023. 

Just recently cardinal financial applied a second mortgage onto my account for the past due balance that the HAF program is paying for me and will not call the HAF program back to ensure that the past due amount is paid in full. Instead that increased my payment and added the balance to my account as a second mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: FULTON FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This incident happened at Fulton Bank, XXXX XXXX XXXX - XXXX. We have a business account under name of XXXX XXXX XXXX. 

Check deposit was made in amount of {$150000.00} on Saturday XX/XX/2021. Service Officer/Teller told us that money will be available in 2-3 days i.e. max by Wednesday XX/XX/2021. 

Today when I went to the bank, I was informed that I won't be able to access the funds till Tuesday XX/XX/2021. Service Officer has placed a 7 day hold on the funds and there's no way to access the funds. When I requested to talk to Manager I was told no manager is available and surprisingly 2 Branch Managers have left the bank within last 6 months. 

After couple of hours I received a call from Ms. XXXX XXXX from Fulton Bank who identified her as the Manager - Vice President and informed me there's nothing she can do to help me. I volunteered to provide all the documentation showing the source of funds and also requested that we need to get this hold lifted. Only reply I got was she can provide me a copy of the 7 day hold that was placed on the deposit. 

Below are the concerns/questions that needs to addressed - - Why we were not told about the 7 day hold when we made the deposit? 
- Is it even legal to place a hold for 7 days without we being made aware? 
- Why we didn't receive any mail or electronic communication regarding that hold? 
- Why we were lied about accessing the funds in 2-3 days? 
- When I visited the Branch, why there was no Manager or a Supervisor to address my concern? 

This is a real inconvenient way to do banking when you can't even access our own funds. Please help to resolve this issue and lets make sure no one else suffers like I did. 

Thanks & Regards, XXXX XXXX Owner - 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 explanation
Consumer complaint received 2018-08-08
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX of XXXX my loans were transferred to XXXX XXXX XXXX ( PHEAA ) from XXXX as I had completed employment verification forms that would qualify me for Public Service Loan Forgiveness. I have had my loans in consolidation since XXXX and have been paying regular monthly payments on an income based plan. 

Since being transferred to PHEAA, they have not calculated correctly for how many monthly payments I have made and currently state I have made 23 qualifying payments. By my calculations, I should have 100+ qualifying payments. I have contacted them many times since XXXX and was first told that it would take 30 days to go through old records and review my previous payments with other lenders while I was on income based repayment plans. I was then told it would take 90 days. I was then told it would take 90 business days. I was then told it would take 6 months. It has now been 8 months and they have still not calculated the payments. I requested records of all the payments I have made for my personal records. They stated they did not have those records. I called XXXX and XXXX XXXX, my previous servicing entities, and was informed they do not have the records and they were all forwarded to PHEAA. I have requested my case be escalated to a supervisor and I made a complaint with the obudsman, with no response. 

Multiple times when interacting with XXXX  XXXX XXXXPHEAA I have had customer service representatives give me differing information, refuse to answer my questions, refuse to transfer me to a supervisor, and hang up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: RS Clark and Associates, 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:
My name is XXXX XXXX, a federally protected consumer, and I am making the complaint against RS Clark & Associates for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have never given RS Clark & Associates any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I have attached an FTC report which will be used when filing for litigation in Federal court to this complaint. I am aware that the in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and and the assigned are both liable for violation under 15 U.S. code 1692e ( 12 ). I have not validated any alleged debt with RS Clark & Associates and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving RS Clark & Associates any right to collect on this alleged date. It is my belief that RS Clark & Associates is attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from RS Clark & Associates before they committed multiple violated multiple violations under the FCRA and FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S code 1692d ( 4 ) which the FTC defines as debt parking. If RS Clark & Associates can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until RS Clark and Associates can provide me with sufficient documentary evidence that I have the legal obligation to pay them. If this documentation can not be produced and RS Clark & Associates continues its collection efforts I will file for litigation for actual damages caused and RS Clark & Associates will be held criminally liable for aggravated identity theft pursuant to 18 USC 1026A, extortion, theft by deception, security fraud, and mail fraud. Also RS Clark & Associates has committed a violation by reporting this alleged debt as a charge off which is in violation of 15 USC 1692d ( 4 ), advertisement of sale of any debt to coerce payment of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: AL
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. 

XXXX XXXXXXXX XXXX # XXXX Account XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ; I did not give them 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 explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Hello, I am writing to dispute the negative items on my credit report. Specifically, I am disputing the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  I believe these items are inaccurate and unfairly damaging my credit score. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute these items and request that they be removed from my credit report. 

I have never been XXXX  days late on my payments with XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX . In fact, I have always made my payments on time and have never missed a payment with any of these creditors. 

Furthermore, I have never had any dealings with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, or XXXX. XXXX, XXXX. I have no knowledge of these accounts and believe they may be fraudulent or a result of identity theft. 

Regarding the charge-off account with XXXX XXXX, I have made several attempts to resolve this account with the original creditor but have not received any response. As per the FCRA, a charge-off account must be removed from my credit report after 7 years. The date of first delinquency on this account was more than 7 years ago, and therefore it should have been removed from my credit report. 

Additionally, I believe that the inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX are unauthorized. I did not authorize these inquiries and have no business dealings with these companies. 

In accordance with the FCRA, I request that you investigate these items and remove them from my credit report if they are found to be inaccurate or fraudulent. I also request that you provide me with a copy of my updated credit report once the investigation is complete. 

Thank you for your attention to this matter. 

Sincerely, 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 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have attached 2 accounts that are reporting inaccurately to all three of my credit bureaus, per the FCRA they all have to report the same accurate information. I want these accounts that are reporting inaccurately to be deleted from all three credit bureaus. I have attached pictures highlighting the inaccuracies.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I am requesting to have these inquiries removed from my credit report. 

They aren't attached to me in anyway. 

XXXXXXXX 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