BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-30
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had a XXXX XXXX loan serviced by XXXX ( i/a/o {$12000.00} ). Navient purchased the loan and took over servicing. I also have two other loans serviced by XXXX that are staying with XXXX. I received communication from Navient to continue making payment to XXXX and that Navient would receive any payments made during the period when the loan was crossing systems. Specifically I received an email on XX/XX/XXXX stating : " Expect a brief pause in service. It may take a few days to complete the transition. During this time, your account information will not be available. Any payments you make to XXXX during this time will post to your Navient account. '' On XX/XX/XXXX I received my monthly billing statement from XXXX indicating my payment was due on this loan ( i/a/o {$110.00} ) on XX/XX/XXXX. I made my payment on XX/XX/XXXX ( Saturday ) and it posted to the AES account on XX/XX/XXXX ( Monday ). I logged into my AES account on XX/XX/XXXX and the loan was no longer reflecting and the payment had been posted to my other two XXXX loans as an overpayment. I logged into Navient and did not see the loan they were purchasing so I waited a few days until I did see the account. It was reflecting a payment due on XX/XX/XXXX i/a/o {$110.00} ( which I had already paid to XXXX ). I also have not received a billing statement from Navient indicating the payment due ( as mentioned the XXXX payment had been included on the XXXX bill ). I emailed Navient on XX/XX/XXXX ( Tuesday ) asking why a payment was due on XX/XX/XXXX and why I hadn't received a billing statement from Navient or any other communication indicating that the loan had transitioned to Navient. The reason why I am able to log into Navient is that I had another loan with them ( which I repaid last year and thought I was done with them ). I haven't received a response from Navient so this morning ( Friday XX/XX/XXXX ) I called Navient to ask why the payment to XXXX hadn't been transferred to Navient and why I hadn't received any billing statement or other communication from Navient indicating the actual transition of the loan. The representative said that it was my responsibility to contact XXXX and ask for the money to be refunded and then to make payment to Navient. I think this is an unreasonable solution since I was billed by XXXX and paid XXXX. Navient purchased the loan and should have established processes to ensure uninterrupted service to the customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-02
Company: Stewart, Zlimen & Jungers, Attorneys, Ltd.
State: MN
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:
currently there is negative information provided by XXXX XXXX XXXX XXXX XXXX. this account was sold/referred to collection company Stewart, Zlimen & Jungers , LTD. a case was then brought to court which I tried to self-represent. XXXX stated I needed to file a complain. but the stress and agony that comes with the harassment from Stewart, Zlimen & Jungers , LTD, was unbearable to the point I just agreed to settle the amount on XXXX. I initially disputed this account and provide all information to the collection company. this account was fraudulent opened by my brother and his friend. both of them was since jailed and deported. in any event, in the wake of things, I was forced to settle the debt in the amount of {$4000.00}. a phone conversation with XXXX XXXX stated that once the debt is paid, it would be adjusted on the credit report. it has been more than 90days now and this debt instead of reflect as paid in full, shows a reduced balance which is contrary to the agreement made for settlement. I've disputed this account 2 times and there was no changes in result even though I satisfied the agreement of {$4000.00} in full as of XXXX which I have proof of. when this account was disputed under XXXX XXXX XXXX - Direct disputes. there was no investigation result mailed/delivered to me. instead, was taken directly to the courts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Today I was contacted by appointment with XXXX XXXX in an attempt to transfer XXXX investment accounts as a result of my recent departure with my employer. I called XXXX XXXX   ( also XXXX ) to move my investment account to a different selected portfolio within their infrastructure. I met with a financial advisor who spent in totality more than 2 hours walking me through my options over the course of the last two days. I elected an IRA account with no withdrawals and was taken through the account launch process which lasted approximately 30+ minutes. 

On the telephone, I specifically asked the representative if my credit report was going to incur a hit and I was advised " no, that this was not required ''. However, upon submitting my personal and financial information, I received an automated denial notice with indication as to why. I asked to speak with a manager and was finally advised that I was listed on a " do not open warning list '' with no further explanation. I then called BOA  who transferred me to the " closing department '' ( XXXX ) and was advised that BOA closed a checking account in my name for " reasons unknown '' in 2013. They then advised that they reserved the right to do so despite the fact that my credit was in good standing, I had no outstanding returned checks and quite frankly never have, and despite me having absolutely no accounts in collections or otherwise and maintain a quality credit ranking. 

I further inquired as to why BOA would allow me to keep an investment account with my former employer and in-turn, refuse approval of an IRA account ( XXXX ) when in fact, they solicited and even specified that I review my available options to reallocate these funds to another BOA  investment product now that my employer is no longer making contributions. I asked why they would send me solicitations regarding my options if their system of record was in-fact predetermined to deny my application without a true and clear review of my credit report and financial qualifications. Thus, AFTER placing an unnecessary inquiry on my credit report and taking me through hours of a deceitful exchange. 

I have never been denied a checking account or credit for that matter and maintain an excellent rapport with XXXX XXXX for day-to-day banking. As such, XXXX should be utilized by BOA as  a true example of professional banking standards and regulatory compliance. This was surely a waste of BOA employees time, of mine and is a clear example of a break in process.

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 2021-01-23
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems attached a collections of {$91.00} on my credit. The debt is from XXXX XXXX XXXX. I've never lived at XXXX XXXX XXXX. I've spoken with National Credit Systems, and it didn't resolve anything. I've filed with XXXX and they've removed the collections from my credit. I called XXXX and filed a dispute on XX/XX/2020 at XXXX, and the only thing XXXX did was send me a credit report, but didn't send results of my dispute. XXXX XXXX website doesn't even show my dispute. Meanwhile, XXXX  said I owed the debt, but didn't offer me any evidence. I don't even believe they investigated the dispute like they claimed. My credit information has all the places I've lived, and XXXX XXXX is not one of them. XXXX  and XXXX  is allowing my credit to be tampered with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Waypoint Resource Group, LLC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This deceptive company is pursuing me using harassment and unfair collection practices. I have no contract with this company and the bill they are claiming I owe to them has already been paid in full with the original creditor, XXXX. I did not hear from this company until I found an entry from them on my credit report. Once I found the entry, I contacted them to attempt a settlement. From the start of the conversation, this company has been unpleasant to deal with. The representative that I spoke with was rude, combative, and deceptive. After contacting this company and refusing to provide the demanded payment ( {$660.00} ) to them on that call, they proceeded to illegally harass me by filing weekly credit report updates with derogatory information saying the account was past due and I have the reports to prove it. I was told by their representative that I must make a payment with them and not XXXX, however, they also told me that XXXX had not given them any settlement authority so they could not accept anything other than the full balance. Given this information and my complete frustration and disgust dealing with this company, I contacted XXXX directly on XX/XX/2019 and returned the equipment and paid the remaining outstanding balance ( {$460.00} ) in full with XXXX. I have dealt with collection agencies before, which the majority were pleasant and NONE behaved in the manner of this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
since 2017 I've been reporting to wellsfargo and the credit bureaus about a credit card that was open fraudulently under my name and wellsfargo and XXXX refuses to remove it and I've reported it to the police already

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 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX  and transunion has a dismissed bankruptcy on my report which they both say was verified thru they 3 party vendor XXXX who they claimed they certified it was accuraste. I would like to exercise my ights to see that certification because i contacted XXXX and the told me its no bankruptcy for me in there data base ... XXXX rep and I call XXXX  on a conference call and they confirmed it was not there..on XX/XX/2020 XXXX  removed the bankruptcy then on the XXXX put it back on my report without prior notice which is violation of the FCRA in which they have to notify me with in five days in writing of the reinsertion. I respectfully ask that you investigate they actions and have them follow proper protcol and remove this dismissed bankruptcy from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
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:
To whom this may Concern I'm a victim of identity Theft. someone stole my identity and open accounts without my consent this is crazy I cant understand how this is possible I'm very upset about this situation and something needs to be done about this, they stole money out of my bank accounts and totally ruin my life I need help so that i can get my life back together

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 2020-05-14
Company: EQUIFAX, 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:
Was notified by XXXX that a collection was added to my credit report on XXXX the XXXX, XXXX. The collection company is XXXX XXXX XXXX and they state the original debt belong to XXXX XXXX XXXX XXXX OF TEXAS for {$460.00}. For starters, this was first time I had heard about this company. I have never done business with this company, had not had any services provided by them or anything of that sort. The collection turned out to be a medical debt, which is already a problem since I have not had any XXXX XXXX provided to me since XXXX. I contacted XXXX on XX/XX/XXXX and disputed the debt. I was told that they would " investigate '' the matter and would take 30 days. The very next day XXXX XX/XX/XXXX ), I received an update to my dispute stating that they were able to validate the debt, but could not provide me proof that the debt belong to me. I asked XXXX how was the debt was " investigated '' and the representative told me that an email was sent to the collection company asking if this debt was true and accurate. When they responded yes, they just took their word for it!! These credit bureaus do nothing to actually validate the debts reported to people 's credit reports. That same day, XX/XX/XXXX, I disputed the debt again. On XX/XX/XXXX, the account was removed from my credit report. But on XX/XX/XXXX, the account was reported again to my credit report. XXXX once again told me that the account was validated by sending out any email to the collection agency to ask them if the account was accurate. The credit bureau, both XXXX and Equifax have not provided any proof that this account belongs to me. They won't be able to do so since I know I have not had any XXXX XXXX provided by anyone. These credit bureaus continue to allow information to post to people 's credit reports without validating the information. Also, with Equifax, their online system allows you to dispute addresses and inquiries that should not/or do not belong to the consumer. Twice, I have disputed a couple of addresses and inquiries I did not authorize, and nothing was done ... .not even an update on the disputes!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: JPMORGAN CHASE & CO.
State: TX
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:
I made a purchase online for some living room furniture from XXXX XXXX XX/XX/XXXX in the amount of XXXX. By XX/XX/XXXX I still hadn't received the furniture and requested a refund on XX/XX/XXXX. 

On XXXX/XXXX/XXXX I was given a delivery date the week of XX/XX/XXXX. 
XX/XX/XXXX my credit card with Chase Bank was charged {$2800.00} After several more requests for an update on XXXX/XXXX/XXXX I was given a delivery date of XX/XX/XXXX. 
On XX/XX/XXXX I was given a delivery date of week of XX/XX/XXXX I as informed on XX/XX/XXXX that the " authorization charge '' had been cleared, however Chase had billed me and I have paid the {$2800.00} which, so far, has not been refunded. 

On XX/XX/XXXX I opened a complaint with Chase and was told it would be looked into. I have provided extra information including all the promised and missed delivery dates, and the fact that I canceled my order and requested a refund. 

Today XXXX XX/XX/XXXX ) I received a letter dated XX/XX/XXXX from Chase to tell me my claim has been denied and that the disputed balance will show up on my next card statement, so now I'm going to be paying twice? 

I need for Chase Bank to refund the {$2800.00} that the merchant is refusing to refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On  XXXX - XXXX -17 I paid my capital one credit card in full by doing a bank transfer from my capital one account to the capital one credit card.
The amount that I put in to be paid was {$1400.00} to pay the balance in full. I distinctly remember this as the bank screen had a small pop up that said the balance is higher than my usual transfers ( {$350.00} and {$200.00} the norm ). The sum was correct. I submitted payment.
Today I got an automated notice saying my account was below the {$100.00} balance that triggers an automatic notice.
I went online and saw that capitalone debited my account {$14.00},  XXXX . I immediately went online and contacted their help department. The bank is now refusing to credit back the funds. My account is completely in the negative because of an error they did. Capitalone is telling me that it will take anywhere from 10-45 business days to investigate the matter. This is a error on their behalf that should take no time to correct as it is all Capitalone banking & credit card. I do not need a $   XXXX   credit balance on my card and have numerous items that automatically debit from this account. The time they want to take for an error they created is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions 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:
Was notified by Experian that a collection was added to my credit report on XXXX the XXXX, XXXX. The collection company is XXXX XXXX XXXX and they state the original debt belong to XXXX EMERG MED SVCS OF TEXAS for {$460.00}. For starters, this was first time I had heard about this company. I have never done business with this company, had not had any services provided by them or anything of that sort. The collection turned out to be a medical debt, which is already a problem since I have not had any medical services provided to me since XXXX. I contacted Experian on XX/XX/XXXX and disputed the debt. I was told that they would " investigate '' the matter and would take 30 days. The very next day ( XX/XX/XXXX ), I received an update to my dispute stating that they were able to validate the debt, but could not provide me proof that the debt belong to me. I asked Experian how was the debt was " investigated '' and the representative told me that an email was sent to the collection company asking if this debt was true and accurate. When they responded yes, they just took their word for it!! These credit bureaus do nothing to actually validate the debts reported to people 's credit reports. That same day, XX/XX/XXXX, I disputed the debt again. On XX/XX/XXXX, the account was removed from my credit report. But on XX/XX/XXXX, the account was reported again to my credit report. Experian once again told me that the account was validated by sending out any email to the collection agency to ask them if the account was accurate. The credit bureau, both Experian and XXXX  have not provided any proof that this account belongs to me. They won't be able to do so since I know I have not had any medical services provided by anyone. These credit bureaus continue to allow information to post to people 's credit reports without validating the information. Also, with XXXX their online system allows you to dispute addresses and inquiries that should not/or do not belong to the consumer. Twice, I have disputed a couple of addresses and inquiries I did not authorize, and nothing was done ... .not even an update on the disputes!

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 2020-12-02
Company: Selene Holdings LLC
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX never billed me for my mortgage payment. XXXX became the mortgage servicer after XXXX filed bankruptcy and has been found to have harmed consumers. 
XXXX XXXX XXXX never entered their name in the foreclosure case ( XXXX City Circuit Court case # 24-O-17-002196 ) XXXX never put their name in my credit report or XXXX City Land Records, but was involved in the foreclosure action of XX/XX/2020 ; but is not in the court docket. 

I had communication from XXXX because the Md. Commissioner of Financial Regulation gave me their name. I wrote letters and called but there was no record of my account. 
I received the first billing on XX/XX/2020. After XXXX  investigated, XXXX sold the mortgage servicing to Selene Finance. XXXX gave Selene Finance a fraudulent Deed of Trust and escrow document. I, the homeowner pay my own property taxes and insurance. It was XXXX that passed the fraudulent documents to XXXX and now the fraud continues. 
Selene Finance is returning my mortgage payments because of fraudulent documentation received from XXXX. I was billed until XX/XX/2020 and there is no arrears according to their billing statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have recently reviewed my consumer reports and I have found that there are items that should be excluded from my consumer reports pursuant to 15 USC 1681a ( 2 ) ( B ). This federal law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card should not be in my consumer report. To have no misunderstanding of the true definition of the lawful meaning of what a " credit card '' is I will state it. Pursuant to 15 USC 1602, a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. By willfully not complying with these federal law makes them civilly and criminally liable.

Company response to consumer: Closed with explanation