BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I attended XXXX in XX/XX/2009 I believe and was told if the money is used for school I will not have to repay. I only received one check for {$1100.00} the rest the school kept. I only applied for grants as well & I did n't think those had to be paid back. As far as XXXX College online, I was told the cost of my schooling would be {$9000.00}, I never once received a check from them, I applied for student grants and was approved, so I am not sure why my student loans are so high. Please help me understand. This has gone on entirely too long. They are taking advantage of less fortunate individuals and it is not right. I just want to be able to provide for my family as everyone else does. Being on welfare is not an option and I do n't want my family to think that is the only way to survive either. Justice needs to be present for all individuals no matter the race.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX  XXXX XXXX XXXX XXXX XXXX has ERRONEOUSLY reported late payments for the months of : XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 & XX/XX/XXXX. I have contacted XXXX and they confirmed the received of my payment for those months and the late payment remarks have not yet been corrected. Attached please find copies of my payments accepted by XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: BBVA FINANCIAL CORPORATION
State: TX
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:
On XX/XX/2020, BBVA mistakenly used a third party to remove my vehicle from my home. My security cameras were the only key to finding the perpetrators. To my surprise, a bank, BBVA, whom I never conducted any business with, was the culprit. I immediately acted : proved ownership, involved law enforcement, and reported my car as stolen. This was clearly a mistake by your internal office. Unfortunately, BBVA still refused to release my car for 14 days ( and counting ). Even the local police department called demanding the release of the vehicle. We were told to, just wait the process by several entry level employees. On top of not having my car, I was ignored and promised calls from managers which never happened. It took 14 days of relentless efforts on my part, before BBVA finally acknowledged they made a mistake and agreed to release my vehicle. 
BBVAs negligence, slow process, and poor customer care has inconvenienced my family greatly. All of this is to no fault of my own. Can you imagine coming home after working a 16-hour shift, to your car being towed away by a bank that you never had any loan, contracts, or dealings with? My car was basically stolen outside my home, and BBVA hasnt made any attempt to correct the situation properly. Instead, Ive had to deal with rude and uncaring managers that refused to address the situation in a timely manner. Before I accept my vehicle, I am trusting BBVA will do the right thing, take ownership, and quickly rectify the situation by compensating my family accordingly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-22
Company: Centralized Business Solutions Company
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
On XX/XX/2018 I had received a collection letter about medical bills that I allegedly owed to CBSC which is a collection agency. I had discovered that my personal information was in the collection such as my Social Security Number, medical diagnosis, and diagnostic codes. This clearly violates my privacy per HIPPA regulations. I did authorize the release of my protected information and contacted the XXXX, XXXX, and XXXX  to inform them that I did not give authorization to release my protected medical information. I have explained to the 3 bureaus that in order to aquire medical information about myself I have to sign a consent form allowing collection agencies access to my medical charts and billing information. I contacted the original alleged creditors who told me that they did not have any of the billing in question. CBSC had aquired my information illegally for amounts of {$300.00}, {$300.00}, {$270.00}, {$480.00}. I requested a copy of consent form for medical services as proof I received medical services but I have not received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: SUNTRUST BANKS, INC.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX, SunTrust Bank send me copy of application that look like a forgery signature. A copy of application is hearsay. Hearsay are not allowed to use in court room. I will like to set a day for us to meet in person in XXXX, Florida on any day of the month of XX/XX/XXXX. I want to have expert handwriting to look at the original application with wet ink signature that you claim is mine. If you do not pick a date to meet in XX/XX/XXXX, I  will assume that SunTrust Bank is trying to collect money from me by using a forgery signature.

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 2018-06-29
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Borrowed {$13000.00} in XX/XX/XXXX Current interest Rate 8.500 % We were charged late fees while loan was on auto pay. Also, we were charged interest while loan was in forebeance. Currently, loan is now XXXX and will be paid off in XX/XX/XXXX. 
I am the Co-signer and would like to pay offf loan, however, Navient will only settle for the above loan amount. I need advice on how to negotiate or not at all? I understand the California Attorney General has filed against Navient. Another question, should I just wait before settling with them?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
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/2018 I purchased a XXXX XXXX XXXX  from XXXX XXXX XXXX   in california  using my USAA XXXX XXXX card for {$1500.00} and {$1500.00} on a XXXX credit card. The vehicle broke down on the way home and I contacted everyone to get it resolved. The dealership told me to basically " XXXX off '' and that it wasnt their problem. I called XXXX and they resolved the issue within 1 business day and I had the money back in my account. USAA has now been " investigating '' this issue since then and still does not have the issue resolved. Every single time I call in there is a mysterious department that no one in USAA can contact who is " investigating '' this and that is all the info they have. At this point I have filed a XXXX claim, sent letters to the beuraus, sent letters to USAA and they refuse to fix this fraudulent charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am currently three months in default on my loan. I am able to make a payment around 1700 a month continuously until my income increase. I don't want to go into foreclosure. My lender has not reached out to me to do a face to face. I need your help as I don't want to wait until it's too late. Please audit my mortgage and make sure that their are not any improper charges added or calculations not properly deducted.

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 2018-07-15
Company: Total Card, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letter saying that I owed for a debt from a credit card that was over 8+ years old. This debt is no longer able to be reported to credit bureaus, it is out of statute and industry standards. It is also out of Colorado legal statute, therefore can not legally be collected. This debt is too old, and a closed matter. Trying to collect on it is an illegal attempt to bully, and negatively affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have reached out to SLS regarding our mortgage repeatedly trying to save our home. We have been intentionally lied to about paperwork sent for loan modifications. Our request to exercise our rights for an independent review on earlier modifications has never been answered and our loan has been sent to foreclosure on more than one occasion without giving us the due process afforded to all mortgage holders via the RESPA act. Through our research, it has come to our attention that Specialized Loan Servicing was found to be in violation of federal law by not adhering to the rules on RESPA. These are some of the same issues we have previously brought to your attention. Specialized Loan Servicing violated the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2601 et seq., its implementing regulation, Regulation X, 12 C.F.R. part 1024, and the Consumer Financial Protection Act of 210 ( CFPA ) by taking prohibited foreclosure actions against certain borrowers in violation of 12 C.F. R. 1024.41 ( f ) ( 2 ) and ( g ). SLS violated RESPA, Regulation X, and the CFPA by not sending prompt evaluations notices to borrowers and then starting foreclosure procedures. SLS took these actions against our loan. I have attached the documents that support our claims. ( exhibits A & B ). We have also had an independent fraud audit done on the signing of assignments associated with our loan. This independent audit revealed instances of fraud that could potentially make any claims or actions taken on our mortgage loan invalid. We have attached a copy of this affidavit to our security deed registered with the State of Georgia Deeds and records for XXXX County. ( Exhibit C ).

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 2018-10-19
Company: EQUIFAX, INC.
State: MS
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 am a victim of identity theft. The accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
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: Their investigation did not fix an error on your report

Complaint:
Equifax refuses to process a request to block fraudulent charges from credit report despite receiving all supporting documantations

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account status incorrect

Complaint:
This USAA account # XXXX has been paid-in-full. USAA is reporting the account as " Derogatory '' and in a " Payment Plan ''. Neither is true. This account is also " closed ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Navient Solutions, LLC.
State: PA
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:
I had made calls in 2007 regarding the Public Service Loan Forgiveness program. I am a XXXX   with the XXXX XXXX XXXX  XXXX and have been working there for 18 years. I have dealt with Sallie Mae, Navient, XXXX XXXX and XXXX throughout the years. I was assured that I was in the right repayment program and that I did not need to complete or collect any paperwork until I reached my 120th payment mark. When I applied for forgivess after 120 payments, I was told that I had no qualifying payments. I had been given incorrect information by the different services throughout the years. I have been reading that many others have experienced this as well. Do I have any recourse?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As a result of a disaster in which I lost the use of my home, I submitted a claim to my insurance company. I also called my mortgage company Ditech at the same time ( XX/XX/XXXX ) to make sure my claim was handled in a timely manner. It took two months for my insurance company to release a payment for damages at which time I immediately called my mortgage company ( XX/XX/XXXX ) to get them all the information they requested. They informed me that it would take approximately 16 business days from the day they physically received my information ( XX/XX/XXXX ) to release the insurance check. I explained that they had all the documents, costs were incurred and some work has already been done, and I am living in a camper behind my house and they had all the documents to release funds. I got the same standard answer. No deferment of mortgage payment or any solution. Just that they are overwhelmed with the amount of disaster claims across the country right now and there is nothing else they can do and I'll just have to wait ( XX/XX/XXXX ). I can imagine that this is where mortgages fail and foreclosures happen. I asked if the company had or is developing any expedited processes or hiring more claims processors to help and short answer was no, it will just take that long and I'll just have to wait. If the insurance has gone through the process and the homeowner is entitled to the money, the mortgage company should not delay the process. I understand it is an asset for them, but it is a hardship to all of their customers that they are ill-equipped to handle this process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: FORD MOTOR CREDIT CO.
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:
On XX/XX/2020, XXXX/FORD MOTOR CREDIT add a hard inquiries on my credit report per XXXX. There was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: ZIONS BANCORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have requested a Pin number for my business account and not received one I have call the bank several times over the past 4 months with no reply. Nevada State Bank mail me a new card due to they did not put my business name on it took a month to get it. Then Nevada State Bank cancel that card it took another month to receive my new card. Its been over 4 months and i received the new card. I have requested a pin number several times for the past 2 months they keep sending it to another address in which i did not agree or ask to send it to. They mail my statements to the right address but cant mail my pin number to right address. One excuse after another. Poorly ran customer service. One lie after another lie with my Pin number.

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 2018-05-22
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX and I am contacting you regarding account XXXX Reported : XX/XX/2018 - {$420.00} Closed showed up on my Equifax credit report. It is fraud and it does not belong to me and I would like it removed from my credit report at once. I am a victim of identity theft but it seems like every time Equifax is forced to remove something off my credit report they find something else to add to drop my score. Please make them remove this fraudulent account because it doesn't belong to me. Also I have asked them several times to add my employer which they refuse to do my employer is XXXX XXXX XXXX XXXX. My credit score should be at almost 700 if things were reported correctly by Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: MIDFIRST BANK
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with XXXX on XX/XX/2021. On XX/XX/XXXX, a cumulative {$2300.00} was transferred to this account. On this very same day, I attempted to log in and was unable to access my account. After calling XXXX, I was informed my account was closed for " business reasons, '' and no specific reason was given. They have informed me it will take 1 week to formally close the account and another 7-10 business days to mail the check to the address on file. A supervisor named XXXX is monitoring my account and will notify me by email when the check is mailed. However, I am submitting this CFPB complaint, as this is truly the most outrageous experience I've had with a bank. On the day I transfer funds to this bank, they close my account and hold my funds XXXX for 2-3 weeks. It is incredible that they would not let a customer transfer the funds out prior to closure and instead hold the funds for several weeks. There is also no way for me to access the account to monitor the funds. This situation is extremely alarming.

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 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 recently disputed this account listed below. 
XXXX XXXX XXXX XXXX XXXX # XXXX As a result it was verified and updated on XX/XX/20. I'm requesting your verification method used to do so. Also I'm requesting any authorized documents on this account for it is unknown to me. SEE ATTACHMENT OF MY ORIGINAL CREDIT REPORT THAT SHOWS ACCOUNT IN QUESTION.

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 2020-07-02
Company: Bread Financial Holdings, Inc.
State: AZ
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/2020, I filed a fraud dispute on XXXX XXXX ( Comenity Bank ) Visa XXXX  XXXX   ending in XXXX. XXXX XXXX  supposedly concluded this investigation but I was given no information on this matter from XXXX XXXX  or vendor that I was disputing charges from. I had my credit card and cell phone hacked and informed XXXX XXXX  about this, as well as, another card from XXXX XXXX. 

XXXX  XXXX had no problem researching these fraudulent charges and making sure these charges were not billed to my credit card. It appears to me that XXXX XXXX Visa XXXX XXXX  never did their research and I do not want to pay these fraudulent charges to XXXX XXXX. These fraudulent charges were almost {$6000.00}. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX Company I am disputing with is : Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22
Company: CITIBANK, N.A.
State: NY
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:
My name is XXXX XXXX and I am contacting you regarding account CBNA Reported : XX/XX/2018 - {$420.00} Closed showed up on my XXXX credit report. It is fraud and it does not belong to me and I would like it removed from my credit report at once. I am a victim of identity theft but it seems like every time XXXX is forced to remove something off my credit report they find something else to add to drop my score. Please make them remove this fraudulent account because it doesn't belong to me. Also I have asked them several times to add my employer which they refuse to do my employer is XXXX XXXX XXXX XXXX. My credit score should be at almost 700 if things were reported correctly by 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