BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-04
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was eligible for forgiveness but there a very few non for profit XXXX left which makes it impossible to take advantage of thos. I've been paying for over 20 yrs now. As a XXXXXXXX XXXX I fall under the provision. My loans were sold without my knowledge and that is hampering getting help as.well. Any help would be appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: KeyBridge Medical Revenue Management
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have previously filed a complaint against KeyBridge Medical Revenue for 3 collection accounts that I paid and they refuse to remove off my credit report as they state "it goes against their practices" However after filing a complaint with the XXXX XXXX XXXX I see that INFACT they DO remove collection accounts either in a plan to "PAY TO DELETE" I guess I should have done more research on this practice. I just paid them totaling XXXX and now being punished by paying the bill and not causing a fuss and it is impacting my credit score.So, their ethics are XXXX and all they want to do is hurt UNAWARE folks who don't know how to play the game. I have 3 collections that are on my report marked paid, but they are still showing as collections. They need to be removed! I filed my complaint today with the XXXX XXXX XXXX and my final step will be with my attorney XXXX XXXX XXXX. XXXX for litigation.I have copied items from the XXXX page for documentation here to show Keybridges "BOGUS GUIDELINES" and show how they pick and choose who to hurt and take advantage of those who do not know.

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 2018-03-30
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
LoanCare LLC is illegally holding my escrow funds. After paying XX/XX/XXXX taxes due of {$3500.00}, as of XX/XX/XXXX, they are illegally holding almost {$8000.00} in escrow funds. I have repeatedly contacted this company in writing and by phone. I have talked with supervisors. The companys employees are complicit in this illegal activity, as I have been disconnected, and told a variety of lies and excuses as to why they can not process my request. I have consulted with an attorney, and have confirmed this activity on LoanCares part is illegal. I will also note their rating and reviews on XXXX  are horrific.

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 2018-03-30
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
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:
XX/XX/2017 All listed below are the rest of the agencies that ran a credit report without my authorization from XXXX XXXX XXXX. One agency was able to prove that another person was using my Social Security number. Other agencies I have contacted have resolved this matter except these agencies listed below.

Huntington National XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no clue about these agencies and sure enough never got a letter from these places to why they are on my credit report. All dates leads back to XXXX XXXX XXXX ran on the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I agreed to a XXXX XXXX Payment Schedule dated XXXX XXXX, 2002 showing an interest rate of 3.46 % with a principal balance of {$41000.00}. A few years later XXXX XXXX started repeatedly contacting me via letters and phone calls claiming that I needed to consolidate my loans in order to " lock in '' my low interest rate. I was told if I did n't consolidate then my interest rate would increase. I agreed to consolidate on the terms that my interest rate would DECREASE to 2.875 % per their letter. I never received any paperwork from this consolidation. Nothing to sign or read. I have since learned that XXXX XXXX INCREASED my interest rate from 3.56 % to 5.375 %. I NEVER AGREED TO THIS! My loan terms were fraudulently changed. XXXX XXXX deceptively changed my interest rate at the time of consolidation. Their own letter says my rates will decrease, not increase. I contacted them via telephone and writing but they merely state the interest rates are set by the government and I agreed to this change at the time of consolidation. They told me to call XXXX if I suspected fraud was involved. I contacted that number to file a fraud claim but they said I ca n't and there is no way to file a fraud claim. Their own letter said that was the fraud department. Where and how do I file a fraud claim against XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: AES/PHEAA
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 was late/not up to date with my student loan payments for a period - 90 days. A deferment/forbearance was granted and applied retroactively covering the time frame i was late on my payments.

Section 623 of the Fair Credit Reporting Act governs the responsibilities of furnishers of information to consumer reporting agencies. Specifically, Subsection 623 ( a ) ( 2 ) imposes a '' [ d ] uty to correct and update information. '' This deferment has changed TWO things. First it has brought the account up to date and current on payments. As a result the account is no longer delinquent.

Second and most important the lender 's records now show that my account is current on payments for the periods that include previously reported delinquent periods. Now this is key. It is important to note that as of now with theupdatedinformation your account is current with the lender. It is no longer delinquent because the deferment was applied retroactively.

As a result the furnisher of information has a duty under Section 623 ( a ) ( 2 ) to provide thisupdatedinformation to thecredit bureauand credit bureauis obligated under Section 607 ( B ) to report thisupdatedinformation on the consumer 's credit report.

XXXX   agent tried to argue that i was in fact late therefore that information is accurate. However i reminded him of their obligation pursuant to Section 623 ( a ) ( 2 ) a duty to correct and update information.

XXXX failure to understand that their current records show that the periods that were initially reported as delinquent are no longer delinquent due to the retroactive deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
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: Account information incorrect

Complaint:
There are two separate accounts with two different balances noted on all of my credit reports for XXXX/XXXX. However these are one loan, not two.

Since XX/XX/XXXX I have attempted to have the Credit Bureau 's and the Debtor correct my credit report. I contacted XXXX directly to have them correct the issue starting in XX/XX/XXXX. They directed me to contact the Credit Bureaus to dispute the charge and said they would correct the issue through the dispute. This has not happened.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to FCRA Section 605, I demand that you remove these items from my credit report due to these items being inaccurate and not corrected within 30 days.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied for a credit card to be subsequently denied because " Based on your application information, application submitted is incomplete or can not be verified ''. Upon contacting Capital One they said my form of ID was not valid and could not be verified within their system despite my ID being a Georgia State issued Commercial Drivers License. I spoke to the following agents at the fraud detection department ; XXXX XXXX, XXXX XXXX & XXXX ( who just hung up on me. All agents were incredibly disrespectful, all agents said that my application was denied and they couldn't tell me why my ID couldn't be verified and advised me to reapply, I asked them to please just look into my ID issue and forget about my application and the rudely refused. XXXX started bickering with me when I mentioned that a CDL ( commercial drivers license ) is an even higher rated type of ID than a regular one and she said its not because her dad has one and she looked it up on the internet, dismissing the fact that I am a CDL Holder and I own a XXXX XXXX that hires other CDL owner and I know what I'm talking about. She proceeded to tell me that no one was going to be able to look into this for me. XXXX told me the same thing not before speaking to me in an incredibly condescending manner, saying that he could not provide me with " life advise '' when I was not asking for that rather for someone to look at my ID and figure out what went wrong. He transferred me to XXXX who just hung up right after answering.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are two separate accounts with two different balances noted on all of my credit reports for XXXX/XXXX. However these are one loan, not two.

Since XX/XX/XXXX I have attempted to have the Credit Bureau 's and the Debtor correct my credit report. I contacted XXXX directly to have them correct the issue starting in XX/XX/XXXX. They directed me to contact the Credit Bureaus to dispute the charge and said they would correct the issue through the dispute. This has not happened.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to FCRA Section 605, I demand that you remove these items from my credit report due to these items being inaccurate and not corrected within 30 days.

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, 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:
After reviewing my current credit report with Equifax. As of today XX/XX/2020. I notice that an account under the name : ( XXXX XXXX XXXX XXXX ) has been reinsurted on to my consumer credit report without written notice 5 business prior per Fcra rules section 1681. As a result, Equifax is in violation of FCRA rules. 


Account : XXXX XXXX XXXX XXXX is also in violation of the FDCPA section 809b. 

This account was originally submitted under the name : XXXX XXXX XXXX  XXXX. But now has been reinserted ; with a totally different original creditor ; XXXX XXXX  reporting the same outstanding balance and XXXX XXXX XXXX. 

Please ; This was intentionally done to damage my consumer Credit profile. This account is not only fraudulent, but misleading, inaccurate, and inconsistent. A clear violation if FCRA rules and the FDCPA. 



This account was reinstated back in XX/XX/2020 and was deleted for violating FCRA rules and now has been reinstated again. 

Please see attachment ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Transunion has efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Transunion is reporting inaccurate information on XXXX XXXX and XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX  XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-04-29
Company: CITIBANK, N.A.
State: NH
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:
I opened a credit card account with Citi for Double Cash Back awards advertised on XXXX  XXXX  and multiple other sites rating it as the best cash back awards credit card. I was awarded 1 % for purchase, but did not receive the additional 1 % when I paid the balance on XX/XX/2021. After 8 days, I contacted Citi executive customer service via email and received an automated response. One week later I still had not received the additional 1 % for paid balance nor had I received an explanation from Citi. I then sent another email with a print screen of the Double Cash Back offer to Citi including XXXX XXXX, XXXX XXXX and XXXX XXXX - corporate executives with Citi. I received a generic response from Citi customer service which did not address the issue of the additional 1 % I had inquired about. I then contacted XXXX XXXX to complain about the high rating they give Citi for Double Cash Back with a print screen from my account showing I received 1 % for purchase but did not receive the additional 1 % for payment as is advertised and I copied Citi Executive Customer Service and corporate leadership. XXXX XXXX replied promptly and apologized but referred me to Citi - Citi has not awarded the points for payment nor have they provided an explanation.

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 2019-11-10
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: Investigation took more than 30 days

Complaint:
As of XX/XX/2019 and disputes handled through CFPB XXXX XXXX  agreed to the deletion of my credit trade line with them due to ongoing innaccuracies being reported. 
As a result XXXX has submitted a letter to all major credit bureaus regarding the deletion of this trade line. Since this time Equifax continues to say the incorrect information has simply been updated and has failed to remove this trade line. Even after being provided a copy of the letter from XXXX on several occasions. Equifax explains that upon disputing this information the update info based on what XXXX gives them. However XXXX states they have not updated any information since providing the letter to delete trade line

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In 2016 I applied for two credit cards from Bank of America because my family and I couldn't pay the rent and bills after my husband got fired from his job. Because he got fired he did not qualify to receive any benefits from the unemployment, so even we were struggling I was making the payments that the bank required. The next year around XXXX I got fired from my job and I couldn't make any payments from my credit cards. I contacted the company by phone, by chat in person to tried to get some help and cancel my cards but the bank said that the credit cards were canceled. But each month the bank adds fees and more fees to my debt. One month ago I start a new job, but still, I don't have enough money to make the payments. And the debt keeps growing every month. Can someone help me please.

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 2019-03-13
Company: DISCOVER BANK
State: MD
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 used a discover card for a purchase on XXXX XXXX  for a vacation rental. The rental property didn't exist and so I was charged money by a fraudulent person through XXXX  using a Discover Card. I notified the police immediately in the town and had them run an investigation in which they pursued people of interest and sent the report to Discover Card. Discover Card after an internal investigation ruled against me and ordered me to pay the penalties and interest. I will pursue this further but would like to initiate a formal complaint that their dispute process which agreed that I can be billed for a service that I clearly never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: EQUIFAX, INC.
State: SC
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:
Hi, my issue is with Equifax. I have called and started claims numerous times for incorrect information on my credit file. It has been almost 2 years of me trying to get the issues resolved with no resolution. My report with them is not correct and they hav e done nothing to help me with  this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
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: Was not notified of investigation status or results

Complaint:
I have disputed several accounts from my credit report with XXXX, Experian, and XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

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 2019-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX XXXX and Transunion has as 3-4 security question they asked in which were answered correctly and via Annually Free Credit report I have been refused to be sent a copy of my credit report. I them called Transunion for a copy and they said one is being mailed. The mail came today and it was and application to provide them with other documents. I have submitted all my information on the website and I will not be denied a free credit report by being forced to submit documents by mail. If they want further information that can be sent via fax. I move to Indiana in XX/XX/2018 and have lived my entire life in XXXX, Washington. They have been given both address and my current one here in XXXX, Indiana. My name, date of birth and Social Security and they refuse to send me a copy of 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 non-monetary relief
Consumer complaint received 2022-08-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, A few months ago, I was called and scammed by what I thought was my electric company while I was on vacation..and they asked me to my bill via XXXX XXXX I believed them because even their phone number was supposedly right. I only opened a XXXX account because CHASE Bank offered it. I think that was the first time I used it. When I immediately realized I was scammed the money was out of my account. I called CHASE and XXXX. For weeks I went back and forth waiting for them to look at my claim. CHASE said I would most likely receive a Courtesy Recovery but weeks and weeks later neither XXXX nor CHASE would give me anything in return. I have recently seen stories where CHASE does give people their money back. But they flat out and rudely said no to me. The supervisor practically hung up on me. I was shocked. Now that I know others have gotten their money returned I feel I should.

Company response to consumer: Closed with explanation