BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-28
Company: Navient Solutions, LLC.
State: MA
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:
Navient Account # XXXX Starting in XX/XX/XXXX, I had set up an interest only payment plan for 6 months with Navient. Their program allows you to switch from full payment, to interest only payments for up to 6 months. 

I have always paid my Navient loans on time, and have never missed a payment. 

Since switching to the interest only payments, Navient has consistently messed up on the allocation of funds. Even though they are the ones that established the monthly amount of {$570.00}, every month once payment is applied they tell me I underpaid. 

That means that every month I 've been on this program, I 've had to call in after payment was made, and have them put me on hold for 30 minutes just so they can fix the account. Each time they tell me that the problem has been resolved and it wo n't happen again, but it does. 

Now they are sending me e-mails and letters saying that I 'm past due again ( for XX/XX/XXXX ). 

They also changed the amount I needed to pay during the interest only period due to their calculation error. 

The whole process has been horribly handled, but since it 's the largest provider in the US, they  do n't seem to care at all about my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: EQUIFAX, INC.
State: IN
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 have contacted Equifax multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Equifax in regards to an account listed on my credit report as XXXX/XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Equifax, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Equifax and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, Equifax was reporting an open date of XX/XX/XXXX however XXXX was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Bread Financial Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I obtained a personal loan through XXXX XXXX - XXXX XXXX XXXX XXXX, for a XXXX procedure. The initial XXXX  caused XXXX XXXX issues, and I have had to move to a specialist to fix the damage. The initial XXXX, XXXX, returned the money to XXXX XXXX on XX/XX/XXXX, 2017. As you can see from the attached Documentation, XXXX XXXX XXXX XXXX XXXX XXXX, received the money at the end of XX/XX/XXXX. I  waited to be reimbursed for two months. After two months time I contacted XXXX to inquire where my money was : XX/XX/XXXX - spoke w/XXXX & supervisor to have my refund deposited directly to my bank account by giving them my banks routing number and my individual account number. Given confirmation # XXXX ( which really turned out to be XXXX employee I.D . ). I was told it would be done by electronic transfer, which could take 714 days to complete. 
XX/XX/XXXX- Spoke to XXXX & supervisor XXXX. Asked if any progress had been made in directly depositing my refund to my bank account. I was told it wouldnt be more than another 7 days. 
XXXX - Spoke to XXXX XXXX. Told her that I had neither received the refund amount directly to my bank account, nor had I received a refund check. I indicated to her if the refund was not posted to my bank account by the end of business day yesterday, I would be forced to file a complaint. The money was never deposited. I paid almost 24 % interest on this loan. Is XXXX going to reimburse me 24 % for the additional two months they have held my funds?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX {$11000.00} 52 % paid off 8 late payments Hover over labels for more details Account number XXXX Account status Open Date opened XXXX XXXX, XXXX Account type Auto Loan Balance Loan Amount {$11000.00} {$23000.00} Payment Info Status Current, was past due 60 days Updated on XX/XX/XXXX Past due amount - Original loan amount {$23000.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more You've made 87 % of your payments on time for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 30 XXXX  30 30 30 30 30 60 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXOn Time 30 Days Late 60 Days Late Data Unavailable Additional info Responsibility Joint Account Terms 86 Months Company sold - Original creditor - Comments Student loan - payment deferred Your statements XXXX Contact XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX  XXXX {$24000.00} 3 % paid off XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX. XXXX 
{$1100.00} 0 % paid off Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$1100.00} {$1100.00} Payment Info Original loan  amount {$1100.00} Balance {$1100.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX  Original creditor : XXXX {$530.00} 0 % paid off print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute

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: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
I had a IRA certificate of deposit that I opened with XXXX XXXX XXXX that Key bank took over. Upon the maturity of the certificate and transfer to another bank, Key bank kept {$25.00} transfer fees for itself. When I opened the certificate at XXXX XXXX XXXX in XXXX 2014, there nothing in the contract that I signed that stated I would be charged a transfer fee. Key Bank took over my ira from XXXX XXXX when it took XXXX over, but that does not give Key bank the legal right to change my ira terms without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: ACS Education Services
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Since my student loan servicer ACS merged with XXXX, I have not been able to log into the website. I am 100 % positive that my username and password are correct. Even so, I tried the reset function, and the temporary password does not work either. 

I called them last Monday, and they said they were aware that people were not able to log in, and their IT department was working on it. It is still not working 9 days later ( and was not working a few weeks before I called, too ). I 've  noticed many similar complaints online. 

I also just called the automated system to make a payment, and it successfully found my account. As directed, I pushed 3 to make another payment amount. All I receive is an error message there, too.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX informed my house note would increase i needed to paid XXXX toward my escrow.was not able to pay. XX/XX/XXXX I was notified that house noted would increase at time XXXX.XX/XX/XXXX XXXX I called US Bank and told them i would not be able to make those payments. XX/XX/XXXX I did pay XXXX and fell back on other bills in. In XX/XX/XXXX i was notified that Social Security was auditing my income would to change. US Bank and XXXX XXXX  company my loan application funds stating i made more money then i did and if i defaulted in the loan they would go after the Veteran affairs where I retired from, and at that time my income was workerscompensation and Social Security. and they want to keep it quiet by selling the house from under me. yes i need housing but not to live on a strict budget.I hired a mortgage company hoping not to be a victim. Because I am a victim of US BANK. My house was not built like the floor plan i had a XXXX Loan at the end of my loan i found it difficult to refinance. my house was priced to high. products used in my house were rejects. Social Security decreased from XXXX to XXXX until debt paid off. I am six months behind on note I am not a squatter. increased escrow due to taxes I was told this was my mortgage would not increase another lie. taxes went up so needed to increased mortgage.i do understand but on my part i called in XX/XX/XXXX trying to tell US Bank I was not going to be able to make payment.

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 2021-09-13
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Had a agreement with CPA vendor that was not fulfilled. Charge was on American Express card. American Express first declined pursuing the vendor when I initially filed the dispute and provided the support information ( contract and email from vendor they would not proceed and did not fulfill the agreement ). American Express after 5 attempts finally accepted the dispute but is making me still pay for the disputed amount less the interest. Previously ( no notice of change to process was provided as of XX/XX/2021 ) dispute charges were temporarily removed from the card holders account while the issue was being investigated. This has not happened and American Express is limiting my ability to use my card due to this charge even though I have paid off this card more than 4x in 18m and have a good credit history with American Express. 

American Express practicing anti-consumer and anti-black practices by limiting the ability of minority consumers to retain credit and obtain credit increases and use the full capability of their cardholder features which is offered to every other consumer. I have been a customer of American Express for over 4 years and have never received a credit increase with XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-28
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX transferred my loan to XXXX the loan was current with XXXX. When the loan was transferred XXXX had put in the XX/XX/XXXX and XX/XX/XXXXpayment owing as fees owed to XXXX XXXX which was made to XXXX in XX/XX/XXXXand XX/XX/XXXX my monthly payment. XXXX is showing more moneys owed which is not correct I should only have a XX/XX/XXXXpayment owed of XXXX. XXXX  is showing XXXX which is incorrect. XXXX XXXX account number is XXXX phone number XXXX. XXXX XXXX loan number is XXXX, Citi Morgage tranferred foreclosure fees and attorney fees which were collected in the chapter XXXX with the trustee. Citi Morgage account number is XXXX number is XXXX. The amount of XXXX of attorney fees and forecloser fees were paid from the trustee.

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 2020-05-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am not sure on the date. They continue to keep calling my mothers home and saying that I will go to jail or even get money taking out of my work check if I do not pay the bill. Portfolio Recovery Associates, LLC has called my work and inform my boss that they need to talk to me on a urgent matter. I am needing this to stop and want to know what else I can do for them to stop these type of calls. I went through a XXXX  divorce and this is a bill my ex-husband has did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-14
Company: CL Holdings LLC
State: TX
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:
Upon calling I informed them that the account is someone elses so they would not send any documents and said they dont have any. Plus the original debt appears to be over seven years old and I dont have a XXXX XXXX card which is the original creditor and now this is a debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: FastBucks
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have an outstanding loan with Fast Bucks in XXXX XXXX, ID. I was a repeat customer and paid off my loan numberous times. 
Due to health problems I had to quit my job. I had a few payday loans out and was in a bad spot. 
All the lendors except Fast Bucks have graciously worked with me and surprisingly didnt charge outstanding interest. 
Fast Bucks on the other hand has been horrible. My initial loan was for {$500.00}, now I owe them {$900.00} something. I called the office multiple times to arrange a payment plan. 
The furthest I got was they promised me a call back from managment, that I still havent had months later. 
They will not work with me. I know i owe them a debt and they will not work with me. They have told me the only way I can pay the loan is in fill or cash payments of at least {$140.00} in person. 
This is ridiculous. Every other collector and payday loan company jas worked with me. I have been contacting and working out my debts with all parties except this company. 
They are a preditory lendor that will not work with you no matter how long you have done business with them, and wo n't take money from you if it 's not enough to them. At this point I could have mad at least {$200.00} in payments, but they will not have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$0.00}

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 2021-09-13
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving continuos calls from the debt collector every day Monday through Friday for at least the last month If not longer. They have even left numerous voice mails. I initially talked to them and agreed that I will not take action on the bill until I see proof of the bill and a break down actual of amounts owed. My number is currently registered on the do not call list and I continuously receive calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: WorldRemit Corp.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, world remit allowed someone to make a transaction for XXXX dollars in my name. I do not have a world remit account, nor have I ever done business with this company. After reporting the fraud to my bank and initiating an investigation I researched world remit on the XXXX XXXX XXXX World remit has hundreds of complaints about the company allowing fraudulent transactions. World remit clearly has XXXX concern that their company is allowing people to easily commit fraud using their system and allows it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX is still reporting to the credit bureaus way past the statute of limitations for the state of Tennessee which is 7 years. Not only that but XXXX is constantly adding new balances and then removing them and adding them again later which is detrimental to my ever fluctuating credit score especially since I am in the middle of purchase. I am requesting that XXXX is completely removed from my credit report immediately. XXXX has been on my credit file with all three bureaus since XX/XX/XXXX. It is now XX/XX/XXXX. They seem to have some illegal collecting and reporting practices. Ive enclosed information for your review.

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 2017-11-28
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX is still reporting to the credit bureaus way past the statute of limitations for the state of Tennessee which is 7 years. Not only that but XXXX is constantly adding new balances and then removing them and adding them again later which is detrimental to my ever fluctuating credit score especially since I am in the middle of purchase. I am requesting that XXXX is completely removed from my credit report immediately. XXXX has been on my credit file with all three bureaus since XX/XX/XXXX. It is now XX/XX/XXXX. They seem to have some illegal collecting and reporting practices. Ive enclosed information for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: ERC
State: UT
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:
Enhanced Recovery Collection XXXX is reporting on my credit report in violation. I never got a notice for this debt. I just saw it on my credit report and I didnt't received my 30 day right to dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  and Transunion are reporting incorrectly that I am 30 - 60 days past due on XXXX partial account number ****XXXX. ( Please see page 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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