BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-10
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had gotten into a major financial setback and was having trouble making payments to Navient for my private student loan due to my husband experiencing XXXX and awaiting a XXXX. On XX/XX/2017, I finally went into a repayment plan with Navient. It was my " last chance '' and the agreement was that as long as I paid {$50.00} to start the program, and got my monthly payment automatically deducted each XXXX of the month, then my private student loan WOULD NOT BE CHARGED off. I paid the {$50.00}, then had my first payment deducted XX/XX/2017. XX/XX/2017, I received a phone call from their charge off department, stating that my loan was charged off and I now needed a charge off plan. I explained my plan, and after a long hold time I was told I was correct and that I was not in charge off. On XX/XX/2017 I pulled my credit reports and it shows that Navient charged off my private loans. XX/XX/2017, today they took out their monthly payment again. I reached out to their consumer advocate group about my issues, and they called me at XXXX today and let me know that I was not in charge off, but that my credit report would not be updated until I had paid this payment plan for 3 months. I let her know this was not our agreement but let it go. I received a call at XXXX and XXXX from an automated system from Navient instructing me to call because I have " options. '' I received another call at XXXX from their charge off department. I tried explaining my situation to the rep-how I was no in charge off, that I had just spoken to someone today about it, etc, but she was very rude and condescending and told that it was incorrect and that I was in charge off! 
I am very frustrated with this company. They had me go into a payment plan that I set up for direct debit each month so I could avoid charge off and they still reported me charged off to the credit bureaus. They also refuse to remove this information despite our agreement. I can understand reporting me past due, because that is accurate, but not as charged off. If this was going to be the case, I would not have entered into the payment agreement since they were going to report me charged off anyway. Not only are they reporting me charged off to all the bureaus, but they also within their own system have me as charged off, resulting in threatening calls more than 3 times a day. I am paying per their terms and this is unacceptable. I am tired of feeling harassed, threatened, and humiliated by their representatives, I am a paying customer and do not deserve this. I also have been working very hard these past months to rebuild my credit and they destroyed it with their negative reporting. Please do something about this company and their terrible practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
State: IN
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 XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I just wanted to let you know I drop the ball about not responding back to the CFPB but I didn't stop disputing with the bureaus and these creditors. I have asked for documents to validate the debts that I have by sending me documentation. I have failed to receive anything. The agency should be making sure the account was accurate before putting it on my credit consumer report. Therefore, in my opinion the inaccurate information should be removed.

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 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-10-09
Company: EQUIFAX, INC.
State: TX
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:
fraudulent accounts were identified and disputed with the proper documents and they didn't remover the accounts per the law ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Avant Credit Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received an email about my loan application with Avant. I advised them I did not request a loan and they send me to their fraud department advising me to take all sorts of legal actions to prevent any unauthorized access, including a police report. I refused to do this action since it was a failure on their part to identify a fraudulent application. Their failure to properly identify and cancel the loan request has put me in risk for identity theft. I continue to receive emails to complete my loan application even after I alerted them to this activity. I am asking CFPB to look into this matter as well as the loan application process from Avant as they do no that the customer in mind and are only looking to process this loan request to boost their own bottom line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: ARVEST BANK GROUP, INC.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a Marketing solicitation from Arvest Bank. I do not have any relationship with them. When I emailed them to ask me to remove my address from receiving marketing offers they responded to a link where I can do that. Any other bank would have taken care of the request instead of making it difficult to do. 

When I went to the link it makes you put your account number and social secure which are mandatory fields. So clearly it was for existing Customers. When I replied back their replay was another link for the Do NOT Call List. Which only asks for phone number which makes sense because it IT a DO NOT CALL LIST opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: CA
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:
in regards to the XXXX # XXXX inaccurate reporting is a violation of my rights according to FCRA... .YOU MUST DELETE IF THERES INCONSISTENCIES ON YOUR REPORT ING!!! PLEASE REMOVE THIS NEGATIVE ITEM OFF MY REPORT BECAUSE ITS HURTING ME AND MY FAMILY... .DATE OF LAST ACTIVITY ARE TWO DIFFERENT DATES!!!!

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 2021-07-28
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a checking account with Citibank in XXXX this year. 

In XXXX they closed my account without reason and withheld my funds. I received no communication they had done this, I only found out when I contacted them. They originally informed me that I needed to wait up to 60 days to receive a check in the post for the balance of my account. The balance at the time of closing was {$3400.00}. 

After contacting them a few times for information, I just accepted that they had closed my account, despite giving me no reason for doing so. I waited patiently over the following weeks, but I never received a check. 

After the deadline passed, I contacted them again. They suddenly informed me that I would not be receiving a check for any money at all! Instead, stating that I need to retrieve the funds from whoever funded the account. However, the funds in the account mostly consisted of casino withdrawals. I have been in contact with the casinos and obviously they are unable to retrieve funds from an account they've transferred money to after the transaction is complete. 

I have tried multiple times to explain to Citibank and their customer service is awful. They're wrongly withholding my money and I don't know what to do about it so I am turning to you for help. I have no interest in banking with them, I just want my money back.

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 2023-02-17
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXXXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or a list of inquiries 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 an 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 or 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 2017-04-04
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Lakeview Loan Servicing/XXXX in XX/XX/XXXX. I have been having one problem after another with them, from not paying my homeowner 's insurance out of my escrow account and threatening to take out a very expensive policy on my home ( this has been resolved ) to failing to respond to or resolve a property tax error that is costing me hundreds of dollars every month in additional fees. 

According to XXXX, my estimated total annual disbursement amount is {$5400.00}, when it should be {$2700.00}. 

I first notified XXXX by email of the error XX/XX/XXXX. I received a notification that the issue was being forwarded to the tax team for review and resolution on XX/XX/XXXX. No one from the tax team corrected the error or contacted me to request additional information and the problem was not resolved. 

After speaking with a customer service representative XX/XX/XXXX, I emailed a copy of my tax documentation as instructed. In the meantime, my escrow account was assessed at XX/XX/XXXX and {$200.00} in additional escrow payments were added to my monthly payment. 

More than a month after reporting this problem, I mailed a letter with delivery confirmation, as detailed on the XXXX website, documenting the issue and providing supporting documentation. The letter was delivered on XX/XX/XXXX. According to XXXX, I should have received confirmation of receipt within five business days and a more detailed letter with a timeframe for resolution within 15 calendar days. I have received no communication whatsoever. 

I made one additional attempt to communicate with XXXX by phone on XX/XX/XXXX. The representative I spoke with spoke with his supervisor, who confirmed I have submitted everything required. I was told it had been escalated to the tax team and that I should not make my monthly payment until he called me to confirm the issue had been corrected. I asked that these instructions be emailed to me and was told they would ; I have received nothing. 

I have followed all procedures to communicate about this error and made every effort to resolve it with XXXX. At this point, I have to wonder whether this is simple incompetence or whether the company is illegally padding escrow accounts. Either way, I am trapped with this dreadful company until I am in a position to refinance my mortgage.

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 2017-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is ignoring my requests to investigate an account from my credit file that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I contacted Mr. Cooper to request a reinstatement figure so that I can make the decision to reinstate the account. I spoke with XXXX and she advised that the request was submitted and i would receive my request within 3-5 business days. On XX/XX/XXXX, i called back since I had not received anything, and XXXX advised that it was actually re-ordered with the Attorney Fees that same day and I would need to wait another 3 days. Again, I called on XX/XX/XXXX since I still had not received anything and XXXX shared the reinstatement amount with me verbally, however requested that I still get it in writing because I wanted to compare to the post petition payments I had been paying on under the Chapter XXXX. I received nothing. Yet again, I called on XX/XX/XXXX and spoke with XXXX, who then informed me that the request had to be submitted in writing and i would need to fax it to a direct fax number in which i did the very same day. As of XX/XX/XXXX Mr. Cooper has confirmed to have received my fax and my  verbal request. Today is now XX/XX/XXXX and I still have not received anything. At this point, my account is just accumulating and I just want to be able to get this taken care. I really need your assistance in getting this information. No one there seems to be able to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hi.My name is XXXX and i had filled a complaint against XXXX # XXXX on XX/XX/XXXX # XXXX.The complaint was about them lowering my monthly payments and lower my monthly interest as well. I was paying XXXX a month at XXXX that was all interest payed many years and seem like the was not budging. Then XXXX change the payments a month from XXXX a month to XXXX. When I made a complaint to CFPB they seem to lower the monthly payments to XXXX as of XX/XX/XXXX XXXX has transfer notice to my first mortgage company on XX/XX/XXXX to informed me that i will making payment with SPS Select Portfolio Servicing. This is my new account number my XXXX SPS account # XXXX this is my XXXX mortgage SPS account # XXXX im ok with the XXXX mortgage. i just want them to lower my monthly payments from XXXX/SPS now that i will be making payments to SpS. There address is XXXX, UT XXXX PHONE # XXXX thank you. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXXXXXX Balance {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: IL
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. 

1.XXXX XXXX Opened XX/XX/XXXX Account # XXXX XXXX XXXX {$1500.00} XXXX XXXX Opened XX/XX/XXXX Account # XXXX Credit Limit {$700.00} XXXX XXXX Opened XX/XX/XXXX Account # XXXX XXXX XXXX {$300.00} XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Account XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XX/XX/XXXX Account # XXXX Original Balance {$520.00} XXXX Resource XXXX Opened XX/XX/XXXX Account # XXXX Original Bal : {$3000.00} Balance : {$2900.00} XXXX System, XXXX XXXX XXXX Powered By Opened XXXX, XXXX XXXX Original Balance : {$350.00} 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Remitly, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
An unauthorized transaction for {$170.00} was made from an account that used my personal information that I knew nothing about nor the individual who money was sent to.

Company response to consumer: Closed with explanation