BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-26
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I applied for a {$12000.00} student loan in XXXX/XXXX  to attend XXXX XXXX University-XXXX, Ga with SallieMae. When I signed for this student loan, I wasnt told that this was credit base and that there was different stipulations but that it was a federal student loan to help cover school expenses. On XX/XX/XXXX, it was transferred to Navient. I have been repaying this loan since XX/XX/XXXX without any breaks in payments and due to this variable interest rate, it has become challenging to pay this loan off. I cant refinance the loan because of my credit and I'm exhausted of attempts to refinance my loan to get a fixed rate. The balance of my loan is over $ 24K and if I have been paying on this loan since XXXX, the loan should not still be astronomical if it originated at $ XXXX. My loan has accrued at least $ XXXX of interest and it still increasing. I have spoke with Navient about forgiving my loan but there are no alternatives. I asked about forgiveness of my loan, refinancing my loan for a fixed rate and I was educated that there is no loan forgiveness for private loans and that Navient doesn't offer refinancing options for Private loans. If I was educated back in XXXX/XXXX, I would have never signed for this loan. So I'm out of options. I need some help on refinancing my private loan and I need my account researched to see if the interest was calculated accurately. I feel that my balance should be lower than it's current amount. 

Since I left XXXX XXXX University-XXXX, GA, I have accomplished XXXX  ( XXXX  ) XXXX, XXXX ( XXXX  ) XXXX  and XXXX  ( XXXX  ) XXXX  degrees from XXXX -XXXX. I have accumulated over $ 200k in student loans just to find an eligible job that will pay a decent salary. I had to defer my {$1000.00} payments to pay down other debt just to have the ability to refinance my student loan and that is taking some time. So I need all the help. I am covered in student loan debt. 

Please help me. What are my alternatives?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: EQUIFAX, INC.
State: IL
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:
XXXX has erroneously posted an auto loan under my social security number and has caused significant damage to my credit report. On XX/XX/XXXX I notified XXXX customer service that an erroneous entry on my credit report showed an auto loan that I did not have. After several phone calls to XXXX they promised a call back but never did. On XX/XX/XXXX I called XXXX offshore customer service ( in XXXX ) which they advised they had confirmed with the auto dealership where the loan was opened, and that the social security number was correct. I knew this was not true, so I asked the rep for the name of the dealership where the auto loan was opened. The XXXX rep gave me the information and I called the dealership and spoke to the finance manager. He confirmed the Social Security was miskeyed by XXXX. I then called back XXXX and advised them of my investigative findings. XXXX promised a call back and I never received one. Last night the rep stated that I should just get a lawyer, which is a horrible response to solving this problem. I would like to file 1 ) complaint regarding the issue with incorrect SSN displaying on my credit report 2 ) I would like to file a complaint to your executive managers regarding the false investigation that was conducted on your part. 3 ) I would like to file a complaint to your executive managers regarding every representative who promised to call me back but did not. Per FCRA law the item must be removed from my credit report immediately. The customer service that I received from this bank is horrible. All calls are contracted out to a call center in XXXX, and their customer service skills are horrible. I am not even a customer and I am glad I am not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened up a navy federal bank account due to my brother being the XXXX for XXXX something years so I was more than eligible immediately I put over XXXX $ dollars worth of my money in there the next day upon me trying to log on I was locked out of my account called into navy federal for them to tell me I was not eligible for membership and that I needed to file an appeal and send documents in all the money i placed in my account with them was my rent money we are in a pandemic and I cant afford to fall behind on my rent Im XXXX  months XXXX  and due to go to the hospital any day I offered them to go to a branch and take all verifying documents they refused and told me it will take them 15 days to see if they will give me my money back mind you the account was only open for one day so the balance was positive so they should not be able to hold my money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: INTERCONTINENTAL CAPITAL GROUP
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Pursuant to 12 CFR Part 1006 ( Regulation F ). 1006.34 Notice for validation of debts. I never received a validation notice with initial communication or within 5 days of initial communication. 

Pursuant to 15 U.S. Code 1666b ( 4 ) XXXX XXXX is in violation The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. And 15 USC 1666b ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

Pursuant to 15 USC 1611 XXXX XXXX is criminally liable for willfully and knowingly not disclosing finance charge and unauthorized use of my credit card Pursuant to 15 USC 1635 right of rescission XXXX XXXX did not disclose or give written notice to consumer informing consumer of having an opportunity to rescind said consumer credit transaction. 

Pursuant to 12 CFR 1026.23 b ( 1 ) - Right of rescission in a transaction subject to rescission, Since I have Never been notified of said right, I have 3 years to exercise that right a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind the notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the following : ( i ) The retention or acquisition of a security interest in the consumer 's principal dwelling. 

( ii ) The consumer 's right to rescind the transaction. 

( iii ) How to exercise the right to rescind, with a form for that purpose, designating the address of the creditor 's place of business. 

( iv ) The effects of rescission, as described in paragraph ( d ) of this section. 

( v ) The date the rescission period expires. 

according to 7 CFR 1436.10 ( c ) the down payment may not include any trade-in, discount, rebate, credit, deferred payment, postdated check, or promissory note to the supplier or contractor wells fargo has recived a prommisory note in which paid for this transaction. 

Pursuant to 12 CFR 1026.23 b ( 2 ) I have Never received a proper notice of Form Appendix H and forms to take exercise my right to rescind. To satisfy the disclosure requirements of paragraph ( b ) ( 1 ) of said section, the alleged creditor shall provide the appropriate model form in appendix H of said part or a substantially similar notice.

Pursuant to 12 U.S.C 83 No national bank shall make any loan or discount on the security of the shares of its own capital stock which proves alleged loan was paid for when i provided signature and social which makes any commercial paper a security i also provided a promissory which paid for transaction 15 USC 1692h XXXX XXXX has received payments on this alleged debt and affiant has the right to direct XXXX XXXX to return all payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: LA
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 was so stressed when I saw those inaccurate and unknown accounts on my credit report. DELETE the following accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: STERLING JEWELERS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
{$460.00} total {$210.00} past due Fraudulent dispute Found in my favor then reversed 2 mouths later Account closed XX/XX/XXXX Dispute submitted XX/XX/XXXX Resolved XX/XX/XXXX Reversed XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have several issues with my credit report as follows : 1. They show a former address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I have never lived at this address. My former spouse moved to this address beginning sometime around XX/XX/XXXX during our divorce which was finalized in XX/XX/XXXX in XXXX County, TX. 
2. Derogatory information is shown on my report by XXXX XXXX XXXX which was a joint account when I was married. The account went to my former spouse during our divorce. That account was included by my attorney when I filed for Chapter XXXX, even though no balance was outstanding against me since it still showed on my credit report and my former spouse has a habit of not paying her bills on time. It would seem that any information related to it should be removed from my record since I owed them nothing at the time and I was removed from the account in XX/XX/XXXX/XX/XX/XXXX. 
3. I have been employed by The XXXX XXXX XXXX XXXX, MD since XX/XX/XXXX with a substantial gross salary as a XXXX XXXX XXXX. 
4. I do n't know if this is relevant, but I also have an IRA and a brokerage investment account with XXXX containing substantial assets plus a 401k through The XXXX XXXX, all containing substantial assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit card account with Capital One. I took a cash advance from my credit card for {$36.00} on XX/XX/XXXX of last year. I've been making monthly payments since then but I just noticed on my statement that I was charged interest for a cash advance. I didn't realize there was still a cash advance balance on my account so I called in to get the fee waived only to find out that I've been charged more than {$500.00} in interest for the original transaction of {$36.00}. I've repaid the cash advance more than 10 times over during that period, as my account is in good standing. What I have a problem with is the fact that the interest accumulation is COMPLETELY HIDDEN! I read my account statements every month and there's never a mention of a cash advance balance. I spoke to a few different representatives and they confirmed that there's really no way for customers to see this activity ; it doesn't show up on the monthly statement and you can't view it on the app. I recall exactly one VISIBLE interest charge for this cash advance I took a year ago ( {$10.00} on XX/XX/XXXX ). They gave me some weak excuse about payment allocation, which, to speak frankly, comes off as a cheap ploy to get people to put money towards the lower interest rate while the significantly higher interest accrues in a separate account that we're never reminded of. If I had overlooked this interest charge and failed to call in to inquiry about this, I would've ended up paying thousands of dollars in interest on a growing balance that's not accessible to me. If interest is charged daily on cash advances as I found out not too long ago from a representative, then its absolutely repulsive that customers don't get access to the activity in these accounts in monthly statements or online. Here I was thinking I paid off my cash advance only to find out a year later that they've been charging me interest that they never report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
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:
I have checked my Experian credit report on XXXX different computers- and my credit report clearly has not been updated since XX/XX/2021. We are now in XXXX 2021. I was not able to get a car loan because the information on my credit report is outdated. 

I even purchased the monthly package for {$24.00} per month for the correct information and I am not receiving what I purchased. 

I have contacted Experian and explained the situation to them on XXXX different occasion and was told they would submit a ticket and someone look into it. Again my credit report has not been updated.

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 2021-02-12
Company: ERC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I terminated my service early 2020 and sent my equipment back in XX/XX/2020. They turned my account over to collections to Enhanced Recovery. Enhanced Recovery is reporting my balance with the equipment charge but I have spoke to XXXX XXXX XXXX 3 times and they have confirmed that they have received the equipment and will take the fees off. I have verified my debt and disputed it with ERC and they say its accurate. I just wont the fees removed so I can get this behind me but XXXX XXXX XXXX Kees telling me they will fix it and enhanced recovery keeps telling me its accurate and I keep going in a circle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Ive had several calls stating I need to pay but first send in documentation. The First call was from a man that gave me an email the second was from a woman that gave me a website. Neither of them were helpful and I got different information concerning my student loans from each one of them. They threatened me by telling me that if I don't start paying that there will be consequences with my account. After I had told them i was not employed and was barely feeding my children they were still adimit on telling me to borrow money from someone to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: EQUIFAX, INC.
State: GA
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 reached out to XXXX on 4 separate occasions via mail : XX/XX/XXXX -- advised that the information being reported was unverified/ asked for Master Promissory Note XX/XX/XXXX -- advised that the information being reported was unverified/ asked for MPN XX/XX/XXXX -- advised XXXX that the MPN that was provided was not for the University of the loan that they stated they were servicing. Also advised that the dates of disbursements were not a time that I was enrolled in a University. I asked that the account be removed as it was unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently reviewed my credit report after being release from prison and found that I have been a victim of id theft. I have a collection from XXXX XXXX OF XXXX Original creditor : XXXX XXXX XXXX that is not my debt and I never was notified that I owed a debt. The negative collections are hindering my ability to acquire a place to live. Below is a copy of the collection. 


Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$1200.00} {$1200.00} Payment Info Original balance {$1200.00} Balance {$1200.00} Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: BARCLAYS BANK DELAWARE
State: MI
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:
acct. XXXX With this credit card you're supposed to earn something called Fun points that you can use to pay for cruises to get onboard credits for cruises and various other things a few months ago I used some points for a {$50.00} onboard credit on the cruise that I planned on going on it took the reward points out of my account but when I got on the ship the onboard credit wasn't there I argued with the ship but they said it had nothing to do with them the credit card company the reward company has to send it to them there was nothing they could do at that point so I get back home and I messaged the credit card company I got an email back telling me that you sent it to the appropriate Department give it a couple days and I'll get back to me okay I wait a few days nobody gets back to me so I send the email again once again I get the same email they apologize for the delay they're working on it give them just a few more days I did that then today in the mail I get a letter that reads " this letter is in response to your recent inquiry on your XXXX XXXX XXXX account we are currently unable to assist you with your rewards issue '' it's their credit card if they can't help then who can you charge me interest on the card I use the card I make my payments is earned those points

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 2020-09-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Reported an unauthorized XXXX charge for {$1200.00} with Chase end of XXXX, denied claim XX/XX/15 because it was shown it was accessed through my phone, but personally never authorized. Couldn't do a reversal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed a freeze on my report after suspicious activity. I have been trying to remove the freeze placed by transunion. 
They have been unresponsive. 
Unable to be reached or contacted for help by phone or email. 
Their voicemail system goes in circles and then hangs up on you. 
Their site has locked me out so I cant sign in. 
Im unable to remove the freeze. 
It has Been 4 weeks of this.

If you stay on hold for 2 days it disconnected. 
If you ask for a callback- they never call back.

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 2019-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with non-monetary relief