BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-03
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I applied for a loan consolidation and chose Navient as my servicer. When I submitted the consolidation application I also submitted an Income Based Repayment application. My payments were previously {$5.00} a month and I wanted to make sure they stayed that way. Navient accepted the consolidation application and have since placed my loans into forbearance. I dont want this. Its doing nothing but accruing interest. 

1. Have all documents needed been recieved to process my request for income based repayment. 
2. If so, how long until that becomes effective? 
3. I would to know when my first loan payment is due. 
4. I would like to know if my loans are no longer in default, I would like to return to school.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: EQUIFAX, INC.
State: NH
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 been trying to get a collection removed from my credit going on four years now! Equifax and XXXX  refuse to remove it even though I sent proof of XXXX  XXXX  inconsistencies as I again will copy what is reported and what they receive not only that is is past the NH Statute of limitations for which is 3 years! The account was closed in 2016 which is 5 years as of this year! Equifax and XXXX  day they removed the XXXX XXXX account yet that is the account XXXX says is what I owe I have sent proof they they have said it was removed but yet it is still there!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: Home Loan Center, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2021 submitted a requested to compare auto loan rates on Lending Tree with the promise it would not effect my credit or credit score. After this I received email alerts showing a hard pull on my credit from XXXX of XXXX. I also received calls and emails from said dealership. I contacted XXXX of XXXX and asked why they ran my credit. They told me Lending Tree provided the permission to run my credit and that multiple dealerships have been given permission as well. I called Lending Tree, they said they could do this even though their website promised not to. They stated that the information was in the fine print at the bottom of the " submit '' page. What both of these companies did was immoral and illegal, I gave no one express permission to run hard inquiry on my credit. Lending Tree 's website is extremely misleading and untruthful. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Bank of America card services was attempting to collect a debt and threatening to take legal action and then slandering and messing with my personal information as I give them to eliminate a debt

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 2018-12-04
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been trying to receive updated information about my qualifying payments from XXXX  XXXX XXXX for approximately 6 months. I submitted my employee verification forms in XX/XX/2018 however they are " still being processed '' even though I was told repeatedly typically this takes roughly 90 days, it is XX/XX/2018. I should have approximately 24 qualified payments to my account. I have been calling almost monthly to receive updated information or to inquire about when I could expect the information to be updated. The only response I receive is that they are still processing the information and it will be updated when it's updated. When I have asked why this is taking so long they do not give me any additional information other than they are waiting on information. To which when I ask from who they do not have an answer other than, " We are just waiting on information ''. When I have asked to file a complaint or speak with someone who can provide me with clarification I was told there is no one of that nature at thecompany. 

It is extremely fustrating to constantly be told by people who have my loans ( i.e., my debt, my constant worry, my money, a huge chunk of my financial stability ) they do not have information or do not know any information. How can this be?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: LEXISNEXIS
State: NC
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:
I wanted XXXX XXXX to validate the accuracy of what they was reporting on my credit report. Sent them 2 letters the XXXX letter was on XX/XX/XXXX they didn't respond within 30 days, 2nd letter was on XX/XX/XXXX they didn't respond within 30 days. Now they send me a letter saying for me to contact XXXX, XXXX, and XXXX myself to figure out what happened. I disputed with XXXX XXXX not the other 3 agencies, also was not notified of investigation status or results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dont know what this charge is i think it was my mothers but she is decease now Date XX/XX/2014 Portfolio Recovery original XXXX XXXX XXXX total {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Venmo froze my account with {$700.00} a month ago and still hasnt resolved the issue! This has now been a month of me fighting to have MY money transferred to MY bank. I verified my identity and now they want bank statements which is personal! The money I transferred was to my fianc and they froze my account and it cant even be put back into it! How does a company withold your personal money for a month!?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We've banked with Wachovia/Wells Fargo for years. 

This is our last year. 

Wells Fargo has opened XXXX different checking and savings accounts in my name over the past 10 years - Even when we told them not to. When we asked for an escrow account, they opened up another savings account. 

The real issue here is the fees. Each account has fees taken out every month. They are literally stealing from us. Then, when we had an issue with a check deposit in a branch, they drained our account, charging us fees for every transaction that was impacted by this event. 

I'm done. We tried to close these accounts. They keep charging and charging. I do not know how to end this one, but I know they've really screwed me here.

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 2021-03-28
Company: BANK OF NEW YORK MELLON CORPORATION, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
hello my i am a american citizen living in XXXX i am XXXX and recive my ssa through direct deposit to XXXX here thats routes it thro bny mellon my complaint is about the econaomic impact payment 3rd round the first 2 payments deposited into the account just fine however the 3rd that was due to be deposited the XXXX of XXXX was sent back and now i am waiting for a paper check due to be sent out the XXXX of XXXX and irs represenitive from irs is telling me it takes 9 weeks to get and i can not cash here due to my us dollar account is incoming electronic deposits only my bank is telling me i have to open a us dollar account and processing to cash the check will take 2 months not to mention i have to have XXXX dollars to open the account to cash it the whole ordeal has dug me even a deeper hole not to mention i have XXXX kids born abroad i am not getting impact payments for at all because i havent been able to file certificate of birth abroad to get a social security number because embassy here has been closed due to pandimic i get no benifits of rest of relif package because i dont live in usa food costs have shot thro roof here i was even evicted from my home and forced to move to small bachalors apt with XXXX children and barly room for my things this whole experiance has been a nightmare and i am forgotten and overlooked by my goverment i worked so hard for and became XXXX in service of unreal thank u but no thank u i live abroad because i cant afford to live in states and now cant afford to live here either

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Credit Mount
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
In XX/XX/2018, I entered into a contract with a company called Credit Mount to help repair my credit and increase my score. In the end what they did was damage my credit even more to the point of sending out fraudulent letter stating I am dispute the validity of all my accounts. This caused fraud alerts on everyone of my open accounts and also caused one account to be closed. 

I have emails from a rep from them stating that they would fix everything and even the manager who said that this never should of happened and that he would fix it as well and then continued to send out these fraudulent letters claiming I was disputing all my accounts. 

I contacted a legal service who stated that it is illegal for a company to obtain a fee for credit services in the state of New York, prior to the services being completed. I paid them a total of {$1200.00}. I have requested a refund and the legal service has as well and they have ignored all requests. 

I believe that, Credit Mount has violated 15 U.S. Code 1679b.  Prohibited practices, and I am looking for action to be taken against them. They have caused irreparable damage to my credit and I also want a FULL refund!! 

I have emails from a rep from them stating that they would fix everything and even the manager who said that this never should of happened and that he would fix it as well and then continued to send out these fraudulent letters claiming I was disputing all my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I put a credit freeze with all the credit bureaus due to a an identity theft incident. About a month later I lift the freeze from XXXX  and XXXX. But until now I wasn't able to take off the lift from Experian. I tried online and they didn't let me, so I send them a mail with everything they requested and still they didn't lift it. There is no way to speak with a live person there, and they don't give any indication or explanation for why they don't take off the lift. In the meantime because of this freeze I can't get order a new credit card and can't do anything else that require a credit report, like buying a house, which I started the process to.

Thanks for your help.

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 2018-02-27
Company: Westlake Services, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I called for a payoff amount in XXXX of 2014 on my vehicle loan, and I paid the amount I was told which was {$260.00}. I did not receive a clear title, however I still had my title with the lien holder on it, and I wasn't selling the car, so I didn't think anything about it. I tried to obtain the title recently, and I was told that I still owed money, however I was never contacted about this, and no attempt to collect the money was ever made by XXXX XXXX. I don't feel I owe this money, as I was told the amount to pay by XXXX XXXX when they gave me the payoff. I just would like to get a clear title.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On or about XX/XX/20 the consumer submitted to the creditor a notice of billing error, pursuant to and in compliance with 15 U.S.C. 1666 and 12 C.F.R. 226.13.

The creditor and Experian failed to send a written acknowledgement of the consumers billing error notice dated on or about XX/XX/20 within 30 days after receipt of such notice, as required by 15 U.S.C. 1666 ( a ) The creditor and Experian both failed to make any appropriate corrections to the account of the obligor as required by 15 U.S.C. 1666 ( a ) ( 3 ) ( B ) ( i ) and failed to send a written explanation or clarification of the reasons why the account of the consumer was correctly shown on said statement error within two complete billing cycles of the consumer after receipt of billing error notice sent XX/XX/20, as required by 15 U.S.C. 1666 ( a ) ( 3 ) ( B ) ( ii ).

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 2020-10-27
Company: Stenger & Stenger, P.C
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Stenger & Stenger failed to realize that this " judgment '' is not on XXXX XXXX 'XXXX  credit reports as a judgment, nor is there anything on his credit report for XXXX XXXX from XXXX. Also, Stenger & Stenger DID NOT allot Mr. XXXX his day in court to dispute anything regarding this TIME-BARRED debt. The ORIGNIAL supposed legitimate judgment was put forth on XX/XX/XXXX vis a Civil Summon that WAS never served to Mr. XXXX by 1st debt collection Attorney XXXX XXXX XXXX, nor was Mr. XXXX ever served when the 2nd debt collection Attorney XXXX XXXX XXXX. XXXX  tried to pursue this same so call judgment back in XX/XX/XXXX. And, NOW Stenger & Stenger are the 3rd debt collector Attorney to try and collect on this " said '' judgment that from Day 1 has never been handled, nor served proper that Mr. XXXX was able to go into the Court and dispute this so called Judgment. Stenger & Stenger, again is trying to collect on a time-barred debt & a Judgment that show nothing on Mr. XXXX 'XXXX  3 credit reports. There is ABSOLUTLY NO PROOF OF THIS DEBT under any of the Consumer Fair Debt Collection. Stenger & Stenger is try to extort money for a bad debt the chose to purchase from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I have reported the inaccuracies to all 3 bureaus showing it is not consistent. On XX/XX/2020 and XX/XX/2020 XXXX  XXXX/ XXXX reported I was late 60 days both months to XXXX  XXXX The same company reported I was 30 days late both months to Transunion and 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 2021-11-01
Company: Fairway Independent Mortgage Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hi, I closed on two loans on XX/XX/XXXX. First a Conventional Loan unwritten by Fairway Mortgage ( https : //www.fairwayindependentmc.com/ ) and other was HELOC by XXXX XXXX. In the entire process, I as a buyer was talking only with Fairway. The loan officer at Fairway was coordinating the HELOC loan with the other company. 

My concern is about the fees and Cash-to-Close for my house at XXXX XXXX XXXX. Cash to close communicated to me till XXXX XXXX was {$170000.00}, but I ended up paying {$170000.00}. The difference of {$960.00} came as a surprise to me, which I am not happy about. I had been asking for a final XXXX for a week before closing, and I expected to pay the fees that was in the closing disclosure given to me. 

I have raise this concern with the loan officer and their manager, but they are saying they can not do anything. 

My concern is not that I paid more than I should have. My concern is that I paid more than I was told to pay. The Loan officer was my single point of contact, and a day before closing he confirmed {$170000.00} to me and his Closer, but $ $ went high on me. 

What is the point of closing disclosure and all the communication when a Loan Office can not give final XXXX right before the closing date? 

Thanks, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-15
Company: Kriya Capital, LLC
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:
Credence Rm - XXXX - is reporting on my credit after my discharged bankruptcy, for a debt that was included in my bankruptcy. They are in violation of the bankruptcy stay. 
They put the collection on credit XX/XX/XXXX and the debt was included in my XXXX chapter XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
On XX/XX/2020 I received a prepaid debit Visa debit card from US Bank. It was postmarked XX/XX/2020 from ZIP XXXX. It appears it may be for the Ohio Unemployment Insurance Program. I do not live in Ohio. I have never lived in Ohio. I have never applied for unemployment benefits from ANY state. ( A couple of months ago I received a similar card from XXXX XXXX XXXX for unsolicited Arizona benefits. ) I do not know the amount on the card. I have not activated it. I tried calling US Bank but was on hold for 20 minutes with no end in sight. I am using a lot of my employer 's time trying to return/stop unemployment payouts.

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 2019-03-08
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Dear Sir / Madam I applied new credit card - XXXX EveryDay Card at XX/XX/XXXX with XXXX opening bonus Membership Rewards points and approved it. 

I confirmed that I can receive the bonus point from online representative at XX/XX/XXXX, but I still did not receive the bonus point. 

When I check it, American Express declined my bonus point because I opened more than 3 credit cards within 6 months. However, I only opened 2 XXXX  credit card within 6 months. 

XX/XX/XXXX Opened XXXX XXXX Credit Card XX/XX/XXXX Opened XXXX XXXX XXXX Credit Card XX/XX/XXXX Opened XXXX Everyday Credit Card In addition, I never heard or saw any terms which I can not receive promotional opening bonus point IF i opened many credit card within 6 months. 

This is unfair. I totally do not understand their decision. Please contact them and solve this problem. 

Thank you Sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
XXXX XXXX XXXX was included in my bankruptcy. However they are currently updating and showing a balance and this is negatively effecting my credit. It should not be updating and reporting lates when it was included in the bankruptcy.

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 2020-10-27
Company: Experian Information Solutions Inc.
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:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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