BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-25
Company: Navient Solutions, LLC.
State: KY
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 submitted this complaint once before and this company still does not apply payments correctly ( principal only ). They need to fix this as well as bring my due date current. I have a student loan with Navient and my company started to make extra payment as a benefit with my employment. I am still making my regular payment every month but the extra payment that my company makes gets applied to the next available payment instead to principal only. The payment comes with instruction to apply to principal only but Navient does not do this. I called and they said it is not there policy to do that when a payment comes in. I believe they should apply as directed so that my loan gets paid off faster. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I received a notice from NAVIENT DEPARTMENT OF EDUCATION LOAN SERVICING dated XXXX XXXX, 2017 about a loan consolidation loan program. 
I believe that NAVIENT is a debt collector trying to misrepresent that they are licensed and have the right to offer such consolidation program without notification that I have the right to dispute such an alleged debt in it 's entirety. I have no knowledge and consent to contract to such debt collector without disclosure of the nature of their business and authorities to offer such loan program.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: MARINER FINANCE, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I received another inquiry on my credit report that was not authorized. I am a victim of identity theft. I have a police report number for a report filed with the XXXX Police Department which is : XXXX This inquiry was not authorized by me. 

I have attached letters from other creditors showing their investigation results.

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 2019-02-12
Company: Northern Trust Company, The
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2018 XXXX XXXX XXXX of XXXX MI, my brother, attempted to make a money transfer from his XXXX XXXX ( XXXX, Il ) bank account to the checking account of XXXX XXXX XXXX of XXXX MA ( family friend ). XXXX 's bank is XXXX  XXXX XXXX ( XXXX MA branch ). The amount to be transferred was {$6600.00}. The funds were the last installment of a XXXX administered by XXXX for my use. The money never arrived. 

XXXX has pursued the matter with XXXX XXXX, who said they can not be held acccountable, and I have contacted XXXX 's bank who said that as the receiving institution there is nothing that can be done from their side. Each bank claims that an investigation needs to be made from the other bank. 

These funds are critically needed by myself and my wife ; both of us are XXXX and without other income apart from Social Security. I have all the relevant account and routing numbers if you need them later on. Many thanks, 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 explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: PA
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:
3 credit bureaus. are reporting late payments I have never been late on any payments.they stated 1 being mortgage I sent then full copy of all payments they didnt correct. They are Fabracating and reporting to banks credit card cos. etc. THE REPORTS I SEE FROM THEN DONT SHOW ANY LATE PAYMENTS ON ANY 10 ACCOUNTS.THEY ARE REFERING TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2017 I notice a collection from XXXX XXXX XXXX for the amount of {$970.00} from XXXX XXXX and I disputed the collection with XXXX and they couldn't fix anything in my credit report because I have an ITIN Number. 
Now I don't know how to remove that collection from my credit. I called XXXX XXXX XXXX Their phone number is not valid. There is no way to contact XXXX XXXX XXXX. 
I called XXXX XXXX collection department and they said : The account was open in a different name and address than mine. Don't worry they said, we are going to investigate this fraudulent account. 


Its been about 5 months today and XXXX XXXX XXXX still show in my credit report and now I got a call and a letter from a different collection agency ( XXXX XXXX XXXX ) saying same thing, I own to XXXX XXXX {$970.00}. 
I contacted XXXX XXXX and I'm disputing this supposedly new collection hoping that it will not show in my credit report like the one from XXXX XXXX XXXX because i called Called XXXX XXXX Sales, Billing and collection and customer service again and they just either hang up on me or they just wouldn't find the fraudulent account. 
I need help and resolving this issue since XXXX XXXX is not taking the necessary action in my behalf. XXXX Bless

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 2019-05-22
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX The US Department of the Treasury wrote me and stated the US Department of Education referred me to them to collect a debt I owned. 

XX/XX/XXXX wrote letter to US Department of the Treasury that I do not owe this debt. 
The US Department of Education has incorrectly identified me as owing {$100000.00} in student loan debt. 
Now, the Professional Bureau of Collections of Maryland has started taking money from my Social Security benefits. 

XXXX with no notice or reason defaulted my consolidation loan of {$45000.00} in XXXX. 
I had been making continuous payments for over five years XXXX to XXXX totaling over {$30000.00}. XXXX defaulted my loan for the entire {$45000.00} as if I had never been making payments. XXXX never said why they defaulted my loan. 
I need the collection activity to stop. This is my only source of income in my retirement and it is greatly effecting my quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: CA
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've been a victim of identity theft and i still noticed the fraudulent accounts appearing on 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 2021-09-09
Company: JPMORGAN CHASE & CO.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
In early XXXX I had an accident with my XXXX  XXXX XXXX  XXXX which is finance by Chase Auto. I agreed with my insurance company to declare the vehicle totaled. The insurance XXXX XXXX XXXX issued a check to me on XX/XX/XXXX for the difference in the market value of the vehicle less the outstanding loan balance. XXXX sent the payoff amount to Chase Auto via XXXX  XXXX on XX/XX/XXXX and it was signed for on XX/XX/XXXX. Following XX/XX/XXXX, I did not see the amount applied to the loan. After several calls it was agreed that the Insurance company send another check because Chase was unable to find it. The new check was received XX/XX/XXXX. Finally on XXXX after several call the amount was applied and the loan closed. Based on the payoff in XXXX I did not pay my XXXX bill given that it was going to paid off. On XX/XX/XXXX, Chase issued a default notice which has impacted my credit score by over XXXX points. Their most recent statement it that they submitted a credit dispute on the default which can take up to 60 days to hit my rating. This basically freezes me from applying for any credit. Can you push them to or help expedite the fix to the process. I'm planning on closing out all my Chase products and would like to apply for new products with my XXXX rating to get the most favorable rates. Further, a regulatory investigation seems needed to on how they can misplace checks and need to improve XXXX on closing out accounts. There should also be some restitution paid for the time and stress this issue have taken. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
Company: Bread Financial Holdings, Inc.
State: TN
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:
These accounts have been sold. As to knowledge, I am no longer liable for the alleged debt, and no written communication, contract, or signature. A bill without a signature does not indicate that the debt is valid, and anyone may file a bill and claim ownership. I don't owe this debt, Please be aware this is an attempt to a violation of the FDCPA. The section 807 ( 8 ) it state if you can not validate the debt, you must request all credit reporting agencies to delete the inaccurate information from my credit report IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt collection agency refuses to remove a debt that was dismissed in court back in 2019. I have disputed twice with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On or about XX/XX/XXXX, I obtained a copy of all 3 of my credit reports and showed NUMEROUS unauthorized inquiries via transunion, XXXX, and XXXX. I contacted all three of the credit bureaus starting with XXXX. XXXX had me get letters that I had to get sent into them and as a result of that they removed XXXX inquiries that were not allowed in my credit. I contacted TransUnion this morning XX/XX/XXXX and was told that I would have to get those letters again even though I 've already explained to them a XXXX has already sent me proof that they 've been deleted and be that XXXX has those original letters. TransUnion does not seem to want to comply and follow suit with the other creditors so I 'm left with no other opportunity but to file a formal complaint at this time. The creditors in question for TransUnion or XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX through XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX through XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX through XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX for XXXX on XX/XX/XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XXXX XXXX for XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX my social security number is XXXX my name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX Texas XXXX in my date of birth is XX/XX/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 2018-07-09
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
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:
I spoke with a representative with penfed credit union an offered me a re-age program to pay {$93.00} a month on my penfed credit card. My account wasn't past due. The representative stated I wouldn't be reported to the credit buero because I was offered a program to pay for 3 months the {$93.00} not my normal minimum payment. Well after paying the {$93.00} for 3 months, I was reported to the credit buero 30 days past due with no indication or notice I was late, after the representative told me I wouldn't be reported its was a safe program penfed offered to help pay off you credit card balance. I spoke with penfed and they said they don't record there calls, and they would try to fix it. Well they reported me current for the next month, but the 30 points I lost on the score didn't return. I would like a apology for them misleading me and my score dropping 30 points at no fault of mine.

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 2019-02-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I went to get my hair highlighted at XXXX XXXX. I asked for blonde highlights   on my natural brown hair. Bottom line, they turned out orange. I was charged {$110.00}. Granted, I left without getting blown dry because I had to be at work. The hairdresser ran a half hour behind my appointment time, which I understand things happen, but it was a rushed job and highlights/ color on long hair can not be rushed. Anyway, the front of my hair looked blonde and pretty, however, the back of it was all orange. I had not noticed that until I got home after work that day. I called the Salon to reschedule another appointment to get it fixed. I went back on XX/XX/XXXXand was charged another {$60.00}. It still was orangey. I ended up going to a different salon ( XXXX XXXX XXXX  XXXX XXXX ) on XX/XX/XXXX and spending another {$130.00}. After not one, but TWO hair stylists  at XXXX took a very good look at my hair, they found pieces that were bleeding, unevenly distributed highlights, color tone that was off and as mentioned, a ton of orange pieces. I was told I had a good 8 hours of work needed to fix my hair!! HSBC is giving me a hard time disputing BOTH charges. They reversed the {$60.00}, but not the initial charge of {$110.00}. Obviously I was not happy with the results because I went to a different salon so why am I still being charged?? I have tried to attach a letter from HSBC refusing to credit the {$110.00}, and I also have a letter from XXXX   explaining why it should be credited and the amount of work needed to fix it, however I am having problems uploading it on here. I will definitely mail both documents in to be reviewed. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have an account with Coinbase that was started with an email that I no longer have access to. This prevents me from having access to the account. I Called Coinbase support and had my ID verified with respect to this account. They told me they could retrieve it for me. I also have another account with coinbase with an email that I still do have access to, which would make this relatively easy. I was given a case number, # XXXX. However, this was more than 7 days ago, and there has been no follow up and when I call Support again they say there is no timeline to get back to me. So my complaint is I would like to be informed of a timeline to sole the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
To whom it may concern early XXXX I was severely impacted by the XXXX and was XXXX in result of XXXX  from the XXXX  reached out to my credit card provider so I could have my payments deferred it was a hassle to get through to the credit card provider as there was longer than normal weight time I did get through and spoke to a representative from an overseas call center she confirmed that my credit card will be deferred but I should call back at the end of the month if further deferment needed l also call in XXXX as well my credit card provider still reported to the credit bureau that I was late XXXX XXXX and XXXX I also went ahead and bring the account up to current status before the month of XXXX ended. Currently holds three credit card from this particular provider and never been late on any of my account before the mandatory shelter in place order due to the COVID-19 pandemic that was issued by my state and city Thank you for taking my situation into consideration

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 2021-09-09
Company: EQUIFAX, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Equifax multiple times over the course of 6 months to file a dispute and they make it very difficult to speak to someone over the phone. They made me go through an automated system answering questions from our credit report as " verification '' of my identity. Which is not an accurate way to verify my identity because the information they are reporting is not 100 % accurate. When I finally did speak to someone the same thing occurred and the representatives hung up on me. I had to keep calling back and go through the same difficulty. How can a company make it this difficult for me to access a file that they never even had my written consent to create in the first place. So, it's okay for them to create a file on me but not give me access to it? They can help themselves to my information but turn around and say I have to prove who I am to them? They should be proving to me who they are, and how they can create a file on me. Use of my personal information without my written consent is Identity theft and is punishable under the FCRA Federal Credit Reporting Act. I am absolutely disgusted that I have to go through this. My character has been defamed and my reputation ruined because of the things they have be reporting and not allowing me to correct them. Also, let this complaint serve as my authorization for the Consumer Financial Protection Bureau to handle this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: JPMORGAN CHASE & CO.
State: CA
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:
Received a credit alert regarding an inquiry on XX/XX/2018 from Chase Card. I did not apply for a credit card or no other type card, I only attempted set up XXXX with XXXX.

The transaction was unsuccessful because the recipient who has XXXX does not offer XXXX   through XXXX only XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: Credit Protection Association, L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a phone call on Friday XX/XX/XXXX around XXXX. A debit collection company supposedly representing XXXX XXXX Company. The person I spoke with explained I have an over due bill for the amount of XXXX $ I explained I never received a bill or a phone call. I said there is no way my electric bill could be so high. I asked for a copy of the bill. The person said oh that will take a few weeks to receive a bill. How so?? The person said well I can try to dispute the bill if you want me to. I called XXXX XXXX and explained everything, they said it's a scam. I also contacted the real XXXX XXXX Company and cancelled my account which I had since XXXX. I had an idea and called the fake collection company. It took to phone calls to convince them to send me an email of the bill. Of course they had an excuse after excuse saying well we really aren't supposed to send emails. Really since when?? Today I received a collection letter in the mail. There is hard evidence to prosecute these individuals that are responsible. I have the email with the bill, a hard copy of the bill, and voice mail. Hopefully this will be helpful. Thanks again. 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 explanation