BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-19
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I reached out to Navient in XX/XX/2018 because I was having difficulty paying such a high amount {$300.00} per month in student loan repayments and I wasn't making a dent in the balance. I had an additional {$300.00} in other federal student loans. I asked if they had an income-driven repayment plan and they told me no and that the amount paid per month can not change no matter what. 

I called Navient today XX/XX/2018 to ask for help since I am unemployed and searching for work. I asked for a temporary loan forbearance or loan repayment alteration in the amount per month. The employee informed me that I would still have to pay {$160.00} per month even though for the next 6 months to count toward both loands. I already paid for this month 's loan so it wouldn't be much of an assistance. The other forbearance option presented to me was to pay a trust fee of " {$100.00} '' for a three month forbearance. Other organizations do not require a fee for forbearance required to enroll in the program. The information is not clear how to qualify for these programs and what assistance they have for people in need. I have been paying for the student loans diligently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Citizens Bank you have violated the FCRA requirements because after I have requested you to stop to reporting my federally protected personal information to third party agency XXXX multiple times with multiple dispute. I have the right to Opt- Out of my federally protected consumer personal information being shared with third party agencies. I have sent via certified mail another dispute letter and Affidavit of Truth with a notarized letter that can only be answered with a Affidavit. I have also attached a copy of the Opt-Out section of the law and a copy of the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The CRA 's have added fraud alerts, blocks, security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts Without my phone number these alerts are useless. Please sent me proof the I requested the alerts.My recent disputes specifically requested NO added fraud alerts, blocks, security freezes. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights.

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 2020-12-04
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XX/XX/XXXX reported my account 30 days late when in fact my account was paid on time I made a {$34.00} payment on XX/XX/XXXX due date XX/XX/20 then I made another also made a {$25.00} on XX/XX/XXXX. Another payment of {$490.00} on XX/XX/XXXX minimum due is {$27.00} XX/XX/XXXX closed my account and days I was 30 days late when my payment wasnt late I made more than the minimum payment XX/XX/XXXX reported XX/XX/2020 30 days late when my account was closed in XX/XX/2020 and paid off

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 2021-03-26
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I scratched my XXXX. I saw a doctor at XXXX XXXX in XXXX ( XXXX FL ). I got a bill from the hospital and I paid it. Now an unknown entity is billing me without showing me a statement signed by me agreeing to have that entity provide services for me and that I agreed to pay that entity for their service. XXXX has no right to put this on my credit report without proof that I contracted with entity. I have proof that I paid the hospital. This is double billing and fraud.

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 2019-02-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
showing inaccurate information on credit report ftc violation and fair lending act filed FTC

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 2022-07-20
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:
15 U.S.C 1681 section 602 A states I have rights to privacy and reported information about my credit history that doesn't correlate with all 3 credit bureau. 

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my consent. 

In accordance with the fair credit reporting act, these account below have violated my rights. 

XXXX. XXXX XXXX XXXX XXXX. Account # : XXXX XXXX. XXXX XXXX XXXX. Account # : XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
CRA is in violation of DODD FRANK ACT and several consumer protection laws, also federal and state laws.

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 2019-02-19
Company: Nelnet, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and XXXX are reporting incorrectly that I am 120 days past due on several loans with the Department of Education that have a {$0.00} balance and a {$0.00} past due. This is harming my credit and it is obviously impossible to be past due on something that does not have a balance. I am going to list the partial account numbers for the Dept of Ed/Nelnet as well as attach a copy of my credit report. 

DPED/Nelnet : Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I purchased XXXX ethereum at the price of {$190.00} each, with a total of {$780.00} including {$11.00} fee. I made this purchase on XX/XX/XXXX at XXXX PDT and the confirmation E-mail i received stated I 'll receive the XXXX ethereum on " Your ethereum will arrive by the end of day on XX/XX/XXXX XXXX. '' It 's XX/XX/XXXX now and I still have n't receive them. I 've been E-mailing to Coinbase support for the past week and no reply at all. 
My E-mail to my coinbase account is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
From XX/XX/XXXX we were in court due to a required balloon payment that was due that we could not pay on our HELOC. In XX/XX/XXXX, the case was dismissed and we continued to try to sell the property. In XX/XX/XXXX, we received a letter from a debt collector indicating they were working for the bank. The amount the debt collector state was due conflicted with the statements that were still being sent from the bank. I called and made an offer to settle the debt and they refused. In XX/XX/XXXX, my wife and I both had money taken from our bank accounts and 10 days later we received a letter indicating it was applied to the loan and that the bank was exercising their right to setoff. They have not indicated that the matter is closed but state that there is still an outstanding balance.

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 2018-07-16
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: Was not notified of investigation status or results

Complaint:
I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXXXXXX XXXX Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX ( XXXX ) and XXXX and XXXX ( XXXX ). Im not sure when this happened, I believe that I had made my payments to your company when I received my statements. My only thought is that there is a billing error with my statements.

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 2019-02-19
Company: Paypal Holdings, Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Good day. This is a complaint against PayPal. I became a victim of a scammer and mistakenly sent {$100.00} to the person who made a fraud, allegedly selling tickets to the concert via XXXX XXXX. That person asked me to send money via " For Friends '' option - which I did, being deceived by the fraudster. 
When I realized that I was robbed, I immediately contacted PayPal, providing them with my full correspondence with the fraudster, which made it clear it was a scam. When PayPal refused to do anything, I instructed my bank to stop this payment, which they did. When PayPal got information that my bank denied this payment to the scammer, they charged .... once again, my credit card tied to the PayPal account, knowing that this is a fraud, and I several times reported the email of the fraudster to their antiscam department. So basically they in PayPal do not care about scam and fraud and actually they help scammers to get their money. 
I can provide all relevant documentation ( my correspondence with the scammer and then with Pay Pal, who consecutevily ignored all my requests and emails ) Regards XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This complaint is in regards of mishandling of our fixed credit line loan by Bank of America. On XX/XX/XXXX, we have signed loan documents on a fixed rate loan from B of A, with an amortization schedule and a Note, reflecting a Principal/Interest payment of {$820.00}. 

However, when we have noticed that our automatically withdrawn payments are all being applied towards interest only, we have started contacting the originating loan officer and the bank 's customer service and research department. 

At first, we were constantly told that our payments are applied towards both principal and interest, as intended at the origination, however, after persisting to look more in depth, the customer service department did in fact confirm that the payments were applied ONLY towards interest, but not the principal. 

After many frustrating and LONG phone calls, on XX/XX/XXXX, we were finally assured that the errors on bank 's behalf have been corrected, and we have been sent a letter and corrected amortization schedule from B of A 's ALS Research department on XX/XX/XXXX. However, when we checked our statement, our XX/XX/XXXX payment yet AGAIN was applied towards interest only. 

We have tried to contact the person who initially stated the corrections were made and assured us that no more mistakes will be seen, and the originating loan XXXXfficer. However, no one has replied to our requests. 
Furthermore, once we called Customer service on XX/XX/XXXX, we were told that not only our past and XXXX payment were applied towards interest only, but our XX/XX/XXXX payment is also scheduled to be applied towards interest only. 

As of right now, on XX/XX/XXXX, we were told that the errors are going to be corrected again.

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 2018-07-16
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: Was not notified of investigation status or results

Complaint:
I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXXXXXX XXXX Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX ( XXXX ) and XXXX and XXXX ( XXXX ). Im not sure when this happened, I believe that I had made my payments to your company when I received my statements. My only thought is that there is a billing error with my statements.

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 2018-07-16
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was renting merchandise from XXXX XXXX here in XXXXTexas I could no longer afford to pay for these things so I had them to pick it up from my home the manager by the name of MR.XXXX came and picked up these things his self. which means I do not owe anything they got items back. And years later a collection company called XXXX XXXX XXXX is reporting this as 3 collection account one for XXXX, XXXX. I have disputed this and they will not remove it so I called the company and they tell me they do not have this account anymore it was given to a company called XXXX XXXX so why is it that they are still reporting this and don't even have the account some one does I called the reporting agencies and they say its nothing they can do I have to call the company reporting this they report what they get from the companies. it is on my XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: MD
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 been getting false credit report from all three credit reports companies. My name has been mixed up with another persons credit history. I was not able to get any loans or credit card because of this. It is also very hard for me to get an apartment for this very reason. For years I have been trying to get loans and credit card but failed because of wrongful credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Shellpoint Mortgage Servicing informing me that my previous mortgage lender sold my mortgage to " XXXX XXXX, XXXX '' in XXXX Maryland and that XXXX XXXX has hired Shellpoint to service the loan. There is no working phone number for either. I called the number on the letter and it just rings for a long time and then stops. I've tried multiple times. I tried to contact XXXX XXXX but it goes straight to a voicemail, no return call. How is it possible to have literally no way at all to contact someone for help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had this credit card, and there was unauthorized charges. I contacted XXXX / Synchrony bank to dispute the charges, and I was told I would be credited, and a new credit card would be sent. I never received a replacement card, however I stopped using the account as there was fraudulent activity, and I didn't want to risk someone using my credit card without my authorization again. The balance is now XXXX on my credit report, however its showing on my account as " Charged off as bad debt / Purchased by another lender ''. My account was never charged off, I never was in collections, and my payments were always on time, with my balance being XXXX. I did not owe XXXX or SYNCB any payments.

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 2023-07-21
Company: EQUIFAX, INC.
State: IN
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:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Performant Financial Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Performant called XX/XX/XXXX at XXXX XXXX, left no message. 
Performant called XX/XX/XXXX at XXXX XXXX, left no message. 
Performant called XX/XX/XXXX at XXXX XXXX, left no message. 
I know of no debt, past or present, that I owe to anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX XXXX is reporting an incorrect late on my credit file or XX/XX/2019. I have NEVER been late on this account. I always make my payments online and thought it went through as usual. Later I noticed I was late and made the payment right away. I should have never been late, their was money in my account and the payment should have gone through. This is not my fault. I have never had a late on my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We started having problems making our payments and 2 months into our ordeal we were contacted by a representative of " XXXX XXXX '' who we paid {$700.00} to help us modify what they said would be an easy modification, we gave them 2 payments of {$350.00} and We were told to wait for them to contact us BUT that never happened. We tried endlessly to contact the representative who tool our paperwork and money BUT after several months we just got a disconnected number. We were talking to a friend of my son who is in Real Estate who told us that our bank XXXX XXXX  should have reached out to us to give us options BUT we never got contacted regarding those options, we just thought we would wait until the sheriff would kick us out once the bank took our home.Since learning that we had options my wife tried contacting XXXX XXXX at XXXX BUT NEVER got a call back. We have also called him to request a postponement of the sale of our home due to what we believe to be an unlawful foreclosure BUT again we are yet to hear back from the representative in charge of our case. Facing the pending Foreclosure on XX/XX/XXXX is putting a tremendous strain in our family so we are praying and hoping that your institution can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

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