BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-02
Company: Navient Solutions, LLC.
State: NH
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:
I have been making monthly payments on my ten student loans serviced by Navient. My payment is {$370.00} a month dispersed to all ten loans. I specifically send an extra payment of {$300.00} to loan number ten which has the highest interest but lowest balance. I'm doing the " snowball '' debt pay off. 
In XX/XX/XXXX I decided to take a course toward my XXXX  's through XXXX XXXX   XXXX  University. I did not take a loan for this course or request any change in my current loan agreement with Navient. My employer offers tuition assistance. 
In XX/XX/XXXX I noticed that I did not receive a monthly statement from Navient for my monthly payment. I went online to check my account. I noticed all my loans were put into forbearance without my permission. They also put my parent 's Plus Loans into forbearance. 
I called Navient to reverse their action all while continuing to pay my monthly payment and extra payment to loan ten. 
Navient 's explanation was a bogus excuse. In my opinon, Navient should not have the ability to change the status of my loan payment without my permission or request. I never requested that my loans be put into forbearance. 
My recent statement dated for XX/XX/XXXX has me confused and angry. Not only did I never stop making payment to Navient at any time over the past three years, but they somehow charged me compounded interest for the time that they placed my loans into forbearance. I have called them to have the interest removed. I asked for an explanation. They blamed XXXX XXXX XXXX   University for placing my loans into forbearance. I was also told that the {$61.00} OF CAPITALIZED interest will not be removed. Navient is corrupt. I am also writing to the New Hampshire Attorney General. I have done my research. Navient is being sued for unlawful practice in many states. If Navient is allowed to do this type of bait and switch practice to someone like myself who has always paid my loans on time and has even paid extra every month, I can only imagine what they are doing to others. This needs to stop! Please do something about Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was sent a text from Wells Fargo saying that I needed to contact XXXX XXXX because I was being hacked by XXXX. I called the number provided ( XXXX ) and was told I was speaking to XXXX XXXX. He gave me a case number : XXXX. I was asked to download two apps. One is called XXXX the other is XXXX. I was told that a dummy account was being set up so that a couple of dummy transactions would occur to establish security. Four transactions were conducted and were shown to not affect my account. Then I was asked to do the same thing with a wire transfer of {$25000.00} to accomplish the same thing. I was instructed to call the bank immediately to tell them to make sure the wire transfer was completed. At this point I understood that this was fraudulent and contacted the bank immediately. The bank told me that wire was executed and could not be reversed. 

I am concerned that the bank did nothing to authenticate the wire transfer. I have never wired money before and I have never dealt with XXXX XXXX Bank. I contend that the bank is liable for not following a protocol to flag fraudulent transacti

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 2023-11-27
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2023 I called American Express in order to change my mix of credit cards. I have a Gold card and a Blue Cash Preferred Card. I'd like to have both a Gold Card and a Platinum Card. I was told that it is impossible to change a Blue Cash Preferred account to a Platinum since they have different reward systems ( cash back v. reward pts ) ; however, the offer on my Blue Cash Preferred account distinctly reads to upgrade to a Platinum Card for XXXX XXXX. That is a separate offer from the XXXX XXXX  offer to upgrade my Gold Card to a Platinum Card. I believe that this is misleading and fraudulent advertising. I have a screenshot showing the offer on my Blue Cash Rewards account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
As an XXXX XXXX Barclays credit card holder, I scheduled automatic payments in the amount of the most recent statement to come out of my checking account monthly on the date the payment is due. This month, Barclays took out XXXX payments, in the amount of the statement balance of XXXX, at the exact same time on XX/XX/XXXX, the statement due date, instead of the one that they should have taken. I have screen shots of the transactions as well of how the payment was scheduled to have happened. 
I called them on XX/XX/XXXX and was great accused of making the double payment myself. When I explained that was not what happened, that I had a scheduled auto-payment through their online payment portal, I was then told by the first customer service with whom I spoke and her XXXX to whom my call was escalated, that I would have to wait XXXX billing cycles ( XXXX months ) for them to return the money they took without my authorization. When I told them that I would contact my bank to have the unauthorized ACH withdraw corrected, both the agent and the XXXX told me that if I did so I would be charged a return of payment fee. I called again on XX/XX/XXXX and spoke to another XXXX and was told the same thing. They verified that even though it was their error they could not return my money for XXXX business cycles. I asked for a higher level XXXX and was told I would have to wait XXXX hours for a call back. I was also told, again, that they would charge me a return payment fee if I went to my bank. 
I went to my bank today and they have reversed the charges for the second payment and the unauthorized payment of {XXXX} was returned to my account. 
XXXX filing this complaint because I believe that their refusal to immediately correct their error, their holding my money that they essentially stole from my account for XXXX months, and their insistence that they will charge me a return payment fee so that I can get MY money back in a timely manner is not acceptable and they should be held accountable for changing these practices that harm me, as the consumer, because of their error.

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 2023-11-27
Company: Synter Resource Group, LLC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have told Synter Resource Group the debt collector company multiple time to cease and desist all communication activities just recently on XX/XX/2023. The debt collector ignored my request and persisted to call me even today. The company called me after I told them to stop on XX/XX/2023 and XX/XX/2023. This is debt harassment per 15 USC 1692d ( 5 ) Harassment or abuse ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. I am an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The debt collector is disrupting me from doing my job which also puts me at risk of losing my job and safety. I have already told them to cease and desist and that I will send a letter, but they are not respecting my federally protected rights and the Fair Debt Collection Practices Act. This is a violation of 15 USC 1692c ( a ) ( 2 ) Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known, or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I took out a student loan for {$27000.00} from SallieMae bank in XXXX After COVID in XXXX I had dropped out and never graduated. Around XXXX I started making payments on this loan for {$360.00} a month. I had noticed that interest was being charged 3-4 times each month for different large amounts. All together most of the time theyd add up to more than what I was paying. My payment went up to $ XXXX  monthly without warning. Recently my Father and I lost our home after my grandma passed away from XXXX. I used to worked full time and just lost my job. We are trying to just survive and pay for food gas necessities. I attempted to contact Salliemae via their chat system on their app. I was connected to an agent who stated all they could do was stop payments for only 3 months and interest would continue to add up. I refused hoping there would be a better option. She stated there was nothing and the conversation was disconnected. I was unable to make the payment that month and was harassed with multiple calls texts and emails not only to myself but my co-signer ( mother ). I tried to contact them again through chat and they said because i failed to make my payment I am ineligible for any aid and i need to make my payment now. I called the help number and the women i spoke to was very understanding and asked for a financial statement. She stated they would need a financial statement from my co-signer as well. ( I was on my break at work when I had called/ my mother is currently unemployed and always looking for work ) She was unable to pick up the phone and the agent asked me to have my mother call back as soon as possible to submit her financial statement. My mother called the same number MULTIPLE times on Multiple dates at multiple times coinciding with their posted business hours. Yet every time shed call shed received an automated answering system asking to please call back during business hours. They continued to send me emails with the business hours on them to call and we would and NOTHING. I tried myself on a Saturday as it was the only day i was free and I received the automated system as well. Recently before I lost my job they started calling me at strange times when I was at work like XXXX XXXX times you wouldnt be on lunch. I havent received any calls since ive lost my job. I attempted to email their customer service email with my loan information and my issue 2 weeks ago and have yet to receive any response in regards to my email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was just released from the Texas XXXX XXXX  XXXX and did not authorize anyone to use my information for any debt, I could not have made this debt nor did I and have asked for documents and evidence to be provided that I was indeed the one that made the debt. The debt is not mine and I need it fixed, My attorney suggested that I file with CFPB prior to seeking a suit against XXXX XXXXXXXX and the client

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX 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 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 XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: In progress
Consumer complaint received 2019-04-02
Company: ALLIANT CREDIT UNION
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: Account information incorrect

Complaint:
I sent this letter to Alliant Credit Union on XX/XX/XXXX, I have since emailed the XXXX and the XXXX XXXX XXXX XXXX  and have yet to receive a response. 

On XX/XX/XXXX I deposited an insurance check into the account reference above. Before depositing the check, I spoke to the mortgage company and I was assured as long as the amount was less than {$20000.00} there would no need for an additional endorsement. On XX/XX/XXXX the check was returned due to the lack of the Endorsement that I was told was not necessary. Once I realized the check had in fact been returned, which resulted in a negative balance in our account, I immediately contacted the Alliant Customer Service department and explained the situation to ensure they were aware of the issue at hand. In speaking with the representative, I communicated to her that I would be sending the check via XXXX to the mortgage company to ensure the fastest possible response time, after speaking with the mortgage company I was told I should expect to receive the endorsed check with 10-14 business days. This would be late XXXX or early XXXX. I received the endorsed check on XX/XX/XXXX. Upon receiving the check, I in turned sent a check via US Mail, made payable to Alliant Credit Union in the amount of {$4500.00} which would resolve our account balance and bring it current. My family and I were out of town for the majority of XXXX. Upon returning home on XX/XX/XXXX, at this point I was under the impression the check had been received, since I had not received any correspondence via phone nor mail notifying me otherwise. On XXXX XXXX both my wife and I received an alert from our credit monitoring service that a collection account from Alliant Credit Union had been placed on both my wife and Is credit file with a balance of {$4500.00}, which resulted in not only a negative account on our credit file, but also caused an 80+ drop in our credit score. On XX/XX/XXXX I contacted Alliant and spoke to both XXXX and XXXX in the Loss Prevention Department. After explaining the situation to both ladies, I proceeded to a make payment via my debit card for the entire balance. Our intentions were always to resolve this account, and upon being made aware that the check that was sent on XX/XX/XXXX was never received I immediately called and resolved the balance owed. 
The purpose of this letter is to request to have this account completely removed from both XXXX and Is credit file immediately. It is my understanding the account was Closed on XX/XX/XXXX, it appeared on our credit file on XX/XX/XXXX and was resolved in full on XX/XX/XXXX. 
I would appreciate your expedited attention in having this matter resolved, since time is of the essence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: ENOVA INTERNATIONAL, INC.
State: RI
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:
on XX/XX/XXXX a hard inquiry landed on my credit report for XXXX from a company called NetCredit. I called the company who had my personal information. I let them know that I never applied for any credit from them and did not want credit... they said there is nothing they can do because a request was made but didn't give me any info as to who or where the request came from ... they told me they would flag the request but they would not remove the inquiry. I let them know it was fraud but no one has gotten back to me about it. they refused to delete the request and said that they couldn't prove i was correct over the obvious thief of my identity. Shame on that company!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Williams & Fudge, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine. I never signed a contract with this company William and Ferch or XXXXXXXX XXXX I have never lived in XXXX XXXX XXXX Nevada. I have been at my home address for 10 to 13 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Edward F Bukaty III
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2020 I send XXXX XXXX XXXX, XXXX an Affidavit of Truth concerning an alleged debt certified mail that they were trying to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: EQUIFAX, INC.
State: GA
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:
Ive filled out an identity theft and sent information to the bureau. Items years old are just appearing on my report. I called and advised that they have my information mixed with someone with the same name. I called the companies and the social security number listed for the accounts are not my social security number and the directed me to contact the bureau. I am requesting verification that the social security number listed on the accounts belong to me and i did not receive the information that verified the information belonged to me. I had a credit report in XXXX that did not list these accounts that are years old

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: GA
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:
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 the 15 USC 1681. 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, 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

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 2022-10-10
Company: Experian Information Solutions Inc.
State: GA
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 received an inquiry on XX/XX/2022 from { XXXX } On XX/XX/2022 and XX/XX/2022 as well as XX/XX/2022 I submitted Written evidence as well as documents showing that the information that is being reported is incorrect I am not familiar with this inquiry 100 % no accurate chamges have been made to my report since I have submitted this evidence

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