BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-23
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient is the company that has my student loans. Since 2013, when I was medically declared XXXX, I've been dealing with Navient for student loan forgiveness. I qualify for student loan forgiveness. I've submitted the required and necessary information to Navient several times, each time being told I've been approved for student loan forgiveness, only to receive a phone call or documents in the mail from Navient stating my paperwork submissions are incomplete. I've ensured each time that I have the correct Navient paperwork, verify what the incomplete portion is needed, go back and complete the same paperwork according to the same standards multiple times that even my doctor is tired of filling the same documentation out that he is now charging me {$350.00} to fill it out. This paperwork is the same each time, I'm told each time that I'm approved and it's formally in the process for forgiveness and then each time told my application and required paperwork is incomplete and Navient has me redo the exact same paperwork. This is a circular game. This is now on my credit report and I'm receiving threatening phone calls and notices from Navient AND the Department of Education stating they will garnish my wages ( which are non existent because I can't work ), withhold my taxreturn etc

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my checking account with no prior warning on Sunday, XX/XX/XXXX.

Prior to this, on XX/XX/XXXX, I had opened a claim with B of A, as I noticed that a merchant I had made bitcoin purchases with charged my debit card a total of {$160.00} in which I never received the bitcoin. I noticed the issue immediately and reported it to B of A on same day the transactions posted.

I never got a temporary credit for this dispute, which I thought was very odd so I asked B of A why. I was told that I would get my credit no later than 10-days after filing the claim.

Last year, I had a dispute with XXXX, but all ended in my favor so not sure why that would be a strike against me.

I was sick to my stomach when I tried to use my debit card on Sunday, XX/XX/XXXX and it was rejected. I went right to check my mobile app, and it would not allow me to log-in to view my account. No email, no call, no letter regarding the closure. I have done nothing wrong at B of A to deserve being treated like a criminal. I can not withdraw any money from my checking account at a branch. B of A did tell me they will accept any deposits, credits etc that come in, but they will reject any auto-payments attempted.

The closure department said that there is no reason provided for this happening, but that they would not report my account closure to XXXX.

I was not a bad customer at B of A, I rarely overdrew my account and always made weekly deposits. If buying bitcoin with my debit was an issue, they should have made that clear to me and I would have stopped immediately.

B of A said the claim will remain open until investigation is complete, but I presume the bank is just going to reject giving me the money I am owed. I feel like B of A could, and should treat customers better by giving a heads-up when closing any account, to allow that person to make other arraignments.

It is disgraceful and inhumane to allow banks to conduct such horrid behavior towards their customers.

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 2018-03-24
Company: EQUIFAX, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
I have been working on repairing my credit after I found out I was involved in the Equifax security breach, so I started from the bottom and worked my way up. Well, I requested all my credit reports and I got examining them and I noticed that on all 3 reports there are several inquiries I did not authorize. So, I began the steps I sent in countless letters for removal they never removed them, now this costs money because stamps and overnight mail is not cheap, I emailed and nothing, I called and nothing, send more letters and nothing they keep saying they are not authorized to remove the inquiries. So, I called in and got the same answer. Now, my brother sat at my house and used my phone and called all 3 bureaus and asked them the exact same thing I did about having only certain inquiries removed that he had no knowledge of and withing 5 minutes he had 33 inquiries removed from all 3 bureaus with no questions ask! Well, I followed suite of him and called and said the exact same things he did and I got the same answer that they are not allowed to removed inquiries from the report, but they removed all his withing 5 minutes! And my brother is not the only person I know that has had inquiries removed from their report just from a phone call! My question is why do they do it for everyone else but refuse to acknowledge mine and remove them. I am not requesting everything removed just the ones I have questioned that I know for a fact I did not do! I believe this is showing favorite to certain people and also discrimination as to pick and chose who you want to remove items for. I have spent over {$200.00} in postage the past few months to no prevail at all and my brother and others make one simple phone call and boom things are removed! Absolutely not fair business at all! Also, all 3 bureaus do not follow suite with each other like I have ask ... I have also sent in letters, emails and phone calls about that too and each bureau is reporting different information when they should be all reporting the same like I ask. This is ridiculous and is negatively hurting my score because of their wrong doings!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
When I applied for the loan, on XX/XX/XXXX, I was told that it would take 30 days to approve and close on the loan. Then I was given a close date of XX/XX/XXXX, about 75 days. I let Wells Fargo know that that should have been made more clear before we began the process and I would do everything possible to get them the info they needed to expedite my loan. 

They would get my information, take a minimum of two weeks to review the information, sometimes a bit more, then tell me that they needed more information. I discussed these issues with a supervisor about three times. 

They never said yes, never said no. They just kept asking for more and more information. Then, about the time that the loan was supposed to close and they asked for more information, I told them that this was not working. I asked that a complaint be made on my behalf. And, I requested a refund for the appraisal cost. They refused the refund. 

Then I began to work with another lender. I asked if the appraisal that I had could be used in order to avoid paying for it twice. They gave me the requirements and I sent them to Wells Fargo. It was denied. 

Then I got a letter from Wells about my complaint and they gave me a contact. I discussed my request for the information to transfer the appraisal to my new lender, XXXX XXXX XXXX  XXXX, and she tried to get it done for me. I sent her the list of what was needed as I had sent before. 

She was supposed to have our complaint closed out by XX/XX/XXXX. They did not meet that deadline. However, I was told that they would meet our request. And, then they sent everything EXCEPT for one document. We asked them to send it. They refused. 

So, now, I spent additional time, had to pay to hold the rate lock on my refinance and still pay for another appraisal, all because Wells Fargo was not competent enough to handle a loan application in a timely and professional enough manner.

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 2017-12-01
Company: Strategic Alliances, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Several times, since the month of XXXX ( XXXX ), I have been trying to reach out to XXXX XXXX XXXX, via email regarding a debt ( {$1400.00} acct # XXXX ) that they claim I owe. Said debt is being reported on negatively on my credit report ( s ). I have asked for validation of debt ( original contracts with signature, etc ) However, the company has not  complied with my request, of which should be honored by law. My reason for demanding validation, including my signature, is because I have had medical insurance for well of 10 years and I NEVER received any outstanding bills to be paid ( from said original creditor-XXXX XXXX ). Either the hospital did not allow enough time for the insurance to pay the bill or they never submitted one- but either way, I was never notified and these items ( IF PROVED TO BE MINE ) should not be reporting on my credit report!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Commonwealth Financial Systems, Inc.
State: FL
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:
To whom this may concern, OnXX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX I sent three letters of disputes to XXXX, XXXX, and XXXX to remove the collections that was not invalided. I also sent debt validation letters certified to Commonwealth Financial for Account # XXXX, XXXX, along with another Common Wealth Account with no account # to display. ( please remove all ) These accounts were previously deleted in XX/XX/XXXXand reinserted back on in XX/XX/XXXX.Also for, XXXX XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX  accounts # XXXX, # XXXX, an # I also disputed 3 times and sent debt validation letters certified also XXXX Under the Fair Credit Reporting Act I have the right to demand that the documents that they have be disclosed to me since then I haven't received anything by mail at all from the following companys, but yet the information remains on my credit report after a year of me requesting it and disputing this.I simply requested that they send me any documents in my files to verify the accuracy of the accounts and if not I demand them to delete the accounts from my credit reports nothing. But just a letter from the credit company 's stating that the information remains on my file. Under the FCRA 15 U>S>C 1681, all unverified accounts must be promptly deleted.Please delete the accounts from all 3 bureaus ( XXXX, XXXX, and XXXX  ).

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. The following inquiries are unauthorized : XXXX  XXXX XXXX XX/XX/2019, XXXX XXXX XX/XX/2019, XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019 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 2017-12-01
Company: Mobiloans, LLC
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I moved and when I moved I closed the account payments had been drawn on. When the XXXX payment did not go through because Mobiloans had not changed the account, I paid from my new bank account. I told them when it was paid that this was the reason. In XXXX they were still trying to debit the old account and not registering payment. I sent them a check for what the last two payments had been with a note stating that this was the account they needed to draw the payments from and asking them in writing to please change to this account. Since XXXX XXXX, they have been calling multiple times a day every business day. At first I would not answer and within a few days blocked the number on my phone. Now they are leaving messages with nothing but background noise ( XXXX, XXXX, XXXX, XXXX, and XXXX ). If they ca n't use some common sense and change the account and if they refuse to stop calling and leaving blank messages, then I refuse to pay any more on this account.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-23
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Caliber Home Loans , Inc . I pre-paid a portion of my property taxes for XX/XX/XXXXin XX/XX/XXXX. I called Caliber in advance of doing this, and  they said that they would adjust the escrow if I sent them a copy of the cashed check and the receipt for the payment. They also confirmed in an email on XX/XX/XXXX that these two documents were all that I would need to provide. I sent the required documents in on XX/XX/XXXX, but my escrow had not been adjusted, so I called them on XX/XX/XXXX.

On XX/XX/XXXX, they now said they need a new tax bill  from the city before they can adjust the escrow payments. This was never told to me previously, and the city will not issue adjusted tax bills until after XX/XX/XXXX. The tax payments in my escrow account include Caliber 's  estimates for my future tax payments. They need to deduct the pre-paid amount from their estimate, since this is the amount that I have pre-paid and it will be automatically deducted from my next tax bill. Having a copy of a future tax bill is not relevant, as it is not material to the amount that I have already pre-paid - I am only asking them to credit my escrow by the pre-paid tax amount. By continuing to collect for these tax payments, I am effectively being billed twice for the same payments and Caliber is being unjustly enriched by collecting this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Diversified Adjustment Service, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX sent an outstanding phone bill to a third party collections agency. XXXX terminated my phone lease without my permission or authorization ; therefore, I do not owe anything to XXXX for breach of contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Paypal Holdings, Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Today we noticed a charge on our XXXX XXXX  XXXX checking account dated XX/XX/19 to Paypal Inst Xfer Web for {$24.00} with no further explanation. I have contacted Paypal where for an additional charge of {$42.00} they said they may be able to help!! 
We do not have a Paypal account and have refused all their efforts to open one. For online purchases we use XXXX and Visa only. 
How did Paypal get our check account number? 
This is a fraudulent charge which we have not authorized and dont even know what its for. 
Please help us reverse the charge and stop it happening again. 
Thanks, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-11
Company: Experian Information Solutions Inc.
State: MO
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:
After reviewing my credit report I noticed a few inquiries on there being reported by this credit bureau in which I have disputed them as well with the creditors and the credit bureau is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. The last letter I send certified with tracking number XXXX in which the credit bureau responded back still reporting these inquiries and ignoring my request of dispute. My complaint is towards these unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiry ( ies ) by Original Creditors on my Experian XXXX XXXX. Regarding the following inquiry ( ies ) 1XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX. 
I have also requested that they remove any and all of my personal information from Experian 's records.

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 2019-04-05
Company: DISCOVER BANK
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
Complaint Type : Customer Service Issues Description of Complaint : I made a transfer online from discover bank account from my XXXX XXXX account to go into my checking account. XX/XX/2019. The bank claims I got a credit, but then they reversed it out on XX/XX/2019. I spoke with 10 people made over 10 calls about this. In the last week i called three times at least and gave a manager and maybe two or three other people to assist me as well. I took up a lot of my time. The bank now says I owe the money because the XXXX XXXX put the money back in my account. It is beyond the point already when I gave a manager an additional time to help me as I had already spoken to them more than one time. I am now unable to call the bank about this matter and have already told them. I banked with the bank for almost 10 years I am at the point that I do not want to continue banking with them. The managers and bank told me, " It looks like this to me. '' That I didn't get the money because they gave me a credit. I let the bank know I would report them to XXXX and maybe go to small claims court because I had called more than enough times and was not getting assistance on my account. I am saddened to have to report this to XXXX but I feel very dissatisfied with the amount of calls and fully making them aware of the situation more than one time. 

( they reversed it out on XX/XX/2019 ) Had I known that I was not going to get assistance from XXXX XXXX on XXXX XXXX I would have asked for someone else to take the issue. 
As of today the issue is still unresolved so I am going to have to make a complaint somewhere else because I am not able to get the service I need when I have made major efforts to make time and call and communicate with the bank. The bank has accused me of stealing money and saying, " It looks that way to me, and I spent it. ", instead of listening to what I '' m saying and being willing to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
American Express has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
Violation : On XX/XX/XXXX American Express has incorrectly and illegally listed an over limit event from XX/XX/XXXX of another credit card user on my credit report. i do not have a responsibility for this credit card account yet it was reported by American Express for me. This resulted in a 50 point drop in my credit score. I have asked them to remove the item but have been unsuccessful to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have a dispute with the credit bureaus, all 3 have reported my score dropping 33 points between XX/XX/2018 and XX/XX/2018 when I checked it. 
Not one of them could tell me the event that caused it. Have yet to hear back from them and it has already been 3 weeks.

The credit bureaus are telling me to contact Capital ONe, Capital ONe is saying it is the credit bureaus fault and in the meantime I am not getting any answers from either one. 

My credit report with XXXX  showed that on XX/XX/2018 Capital ONe did a credit inquiry without my consent or knowledge. Subsequently the very next day they closed my account without my consent or knowledge. They have since reopened it sometime later to cover up their mistake. This is the only event that could have caused my credit score to drop. 
Capital One has denied doing this and suspiciously right after I filed the initial dispute on XX/XX/XXXX, all of a sudden I can not view this information on my credit report any more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A Negative mark was reported on my behalf that doesn't belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation