BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-27
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home loan with US Bank was in a forbearance period due to COVID-19. I obtained a 6 month forbearance. The forbearance period ended on XX/XX/2020. I contacted the lender three times in XXXX. On XX/XX/2020 I was approved for a PAYMENT DEFERRAL MODIFICATION. I chose that the 6 months of forbearance mortgage payments to be added to the end of the loan period. I also let them know I was ready to resume regular monthly payments. I let them know that I did not want to refinance the loan nor was I seeking mortgage assistance. I was informed that I would receive documentation in the mail noting the approved payment deferral modification and that all would be settled responsibly. Furthermore, that the loan status would change and that the loan would not appear in forbearance any further. 

This did not happen. I have not spoken with 20 different bank employees in their Loss Mitigation Department ( XXXX ext. XXXX ), on 10 separate phone calls. 
Every time I call, they give me a different response to the situation. I tell them that I have already been approved for the solution that was agreed upon and that I just want to complete the process so that my loan status changes to NORMAL. They always tell me that the problem was that one of their employees gave me erroneous instructions and that there is a loan assistance application is in their computer system. That this erroneous application needs to be deleted from their computer system so that the agreed upon loan payment deferral modification can be completed. They promise that they will complete this task within a few days but it is never completed. I ask to speak with a department manager and they tell me that they don't speak with the public. I ask them if I can speak with the person ( s ) that are responsible for deleting this erroneous application from their computer system. They tell me that those people don't speak with the public. I ask them if they can delete this erroneous application file from their computer system and they say that they don't have that type of access to their computer system. I have run out of options hence, why I am filing this complaint.

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 2022-09-06
Company: EQUIFAX, INC.
State: NC
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXXwww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Navient Solutions, LLC.
State: PA
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:
Looking at the original loan amounts totaling {$37000.00} at 8.25 %, when using the loan calculator for a 25 year repayment plan, the amount should be {$300.00} a month. I have been paying {$360.00} a month which would be {$68.00} more than what I should have been paying. for the past 17 years, I would have overpaid {$820.00} every year for a total of {$14000.00} overpaid in 17 years. I have paid {$75000.00} towards my loans and am being told that I still owe {$23000.00}. How is it possible that I still owe that much money? I feel like I am being overcharged in this situation because my amount still due NEVER seems to go down. I realize that I may be off a little in all of my payments an things, but with everything that is going on with Navient being sued right now, I feel that I fall into the group that is being taken advantage of by them. I am looking for some sort of help in determining what options I have so that I am not paying these loans for the rest of my life .... I am a XXXX and tried for the XXXX  loan forgiveness, but they claim that I make to much money to take part in that. And my current loan information says that my loans won't be paid off until XX/XX/2026 .... I just don't understand how this is possible and am looking for help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the following information that appears on my consumer report : Dispute 1 : XXXX / Account number : XXXX ( Credit cards & Credit Lines ) Account opened : XX/XX/XXXX / Credit Limit : {$450.00} Last payment date : XXXX XXXX, XXXX Dispute 2 : XXXX XXXX XXXX / Account number : XXXX ( Credit cards & Credit Lines ) Account Opened : XX/XX/XXXX / Credit Limit : {$800.00} Account Closed : {$800.00} past due as of XX/XX/XXXX Last Payment Date : XX/XX/XXXX Dispute 3 : XXXX XXXX XXXX / Account number : XXXX ( Collections ) Original Creditor : XXXX XXXX XXXX / Account Type : Collection Account Opened : XX/XX/XXXX Balance : {$330.00} Past due Amount : {$330.00} Paid Off : 0 % Dispute 4 : XXXX XXXX XXXX / Account number : XXXX Original Creditor : XXXX XXXX XXXX / Account Type : Collection Account Opened : XX/XX/XXXX Balance : {$290.00} Paid Off : 0 % Dispute 5 : XXXX XXXX XXXX / Account number : XXXX Original Creditor : XXXX  XXXX XXXX / Account : Debt Buyer Account Opened : XX/XX/XXXX Balance : {$910.00} past due as of XX/XX/XXXX Paid Off : 0 % Explanation of items being disputed : My credit report includes a name that is different from mine. Each report lists the name/alias : XXXX XXXX . However, my name is XXXX XXXX ; as listed on my birth certificate, and social security number. I have never opened a credit card or line of credit, and I am only XXXX years of age. I am a victim of identity theft and don't recognize the accounts on my report ( listed above ). The only loans that I have ever authorized are student loans and they are linked to my real name : XXXX XXXX. All other things on my credit report, previously or presently are fraudulent. Please investigate these claims and have them removed from my credit report. I have made disputes in the past and had them removed as they were also fraudulent. Some of the past reports stated credit cards in my name before I was the age of XXXX. I have suspicion that my social security number has been breached and I am a victim of identity theft and fraud. 
Thank you for your assistance.

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 2019-03-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/23 I applied and was approved for a capital one quicksilver secured credit card. Also on XX/XX/23 an amount of {$500.00} was taken from out of my checking account as a deposit towards my secured credit card. I Received a email on XX/XX/23 saying my new secured credit card was shipped. On Friday XX/XX/XXXX I received 2 envelopes one with my new quick silver secured credit card and another envelope from capital one stating " Dear XXXX XXXX XXXX we are closing this account because we have observed activity on your account that is not consistent with our expectation of usage for personal, family or household purposes. Please stop using this account immediately and destroy any cards and checks associated with it. '' A year or two ago I previously had an account with capital one with a balanced that was paid in full but it was closed with not explanation. So I was a little taken back after the fact that not only I put in my personal information but I received a approval email and I gave capital one {$500.00} just for them to send me a card in the mail and then closed my account. I spoke with a capital one fraud prevention representative named XXXX on XX/XX/23 and asked him is this a recorded line and he replied yes and I asked him how is my deposit is going to be sent back to me and how long it takes. XXXX responded and said capital will send me a check after 2 billing cycle which means 2 months and XXXX also explain to me he can't give me any further information why my account was so suddenly closed so he transfer me to his supervisor which her name is XXXX and I explained to XXXX my situation but there was nothing she could do as well. Not only that I am being inconvenienced because capital one didn't do their due diligence and deny me once they received my social security but now I have to push bills that I was planning on using the card with back but I also have to wait almost 3 to 4 months for me to even get my money back into my account without any receipt saying if my refund is on the way and no explanation on why my account was closed and I can't no longer use my new card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 appreciate the effort done by the Credit Bureaus to remove a portion of the disputed Fraudulent items being reported on my Credit Report. However, I immediately noticed that some of the fraudulent items are still being reported. I am now submitting this CFPB Complaint to request another investigation and if possible be completely removed from my Credit File. I have read that the Credit reporting Agencies are required to remove any account and information that could have been resulted due to identity theft under the Fair Credit Reporting Act section 605b. If the Credit Bureaus claim that the disputed accounts belong to me, I need the Credit Bureaus to please provide me copies of documents bearing my signature as proof of verification. Some of the disputed accounts were already deleted from the other Bureaus and it makes me wonder why is it too difficult for the other Credit Bureaus to not remove the disputed items from my Credit Report. Again, please remove the following fraudulent items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX Natural XXXX XXXX, XXXX XXXX, MO, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO, XXXX US DEPT ED XXXX XXXX : {$7400.00} US DEPT ED XXXX XXXX : {$7200.00} XXXX DEPT ED XXXX XXXX : {$4100.00} US DEPT ED XXXX XXXX : {$3600.00} US DEPT ED XXXX XXXX : {$2600.00} XXXX XXXX XXXX : {$340.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX XXXX : {$7500.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2018-11-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This complaint is regarding a {$1100.00} charge to my Chase Visa card on XX/XX/18 identified on the credit card statement as : XXXX XXXX XXXX XXXX CA XXXX 1 XXXX XXXX XXXX 2 XXXX XXXX XXXX 3 XXXX XXXX XXXX 4 XXXX XXXX XXXX ; I was notified immediately by an email alert from Chase that this charge had been made. ( I receive these for all charges made to this card ). When I read the email alert, I immediately called Chase to inform them that this was an unauthorized, fraudulent charge. The account was closed and I was assured that I would not have to pay this. A {$1100.00} credit was issued to my account. This was on XX/XX/XXXX. Now I have received a letter from Chase dated XX/XX/18, stating the charge was posted to my bill. Reason : " You received benefit from this transaction. '' I again spoke with Chase on XX/XX/XXXX, the rep handling this issue reopened the dispute, but called me back on XX/XX/XXXX and informed me that the fraud dept would decide on this and inform me of their final decision. I called XXXX, spoke with XXXX on XX/XX/XXXX. They had a passenger for this ticket that used my name. I was able to find discrepancies : the email address used is not mine, and DOB from the passenger 's ID is incorrect. XXXX referred this issue to the fraud dept by " filling out a form. '' I am waiting for callback from them ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Navient Solutions, LLC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX XXXX is a consumer as defined in 15 USC 1602 i, 15 USC 1692 a 3, and 15 USC 1693a 6. Navient is attempting to collect an alleged debt while using misrepresentation and deception. As defined in Title 15 US Code 1693a 9, a financial institution is a person holding an account belonging to a consumer.
An account, defined in 15 USC 1693a 2, is an asset account for personal, family, and household purposes. Communications from Navient are misleading and deceptive.
This consumer has contacted Navient on attempts to show within the laws of the United States that the above codes are accurate. These attempts have been ignored and misdirected. Also, this entity is sending communications to family of the consumer at different locations PRETENDING to not know how to contact this consumer. More deception. According to XXXX this entity shows an annual revenue of nearly 60 Billion Dollars!!!!! https : XXXX The CFPB recently sued this entity for deception. XXXX XXXX XXXX, Consumer/Creditor is claiming actual damages, pursuant to 15 USC 1692 k A 1, in the amount of {>= $1,000,000} USD.
[ 2017 Navient Solutions , LLC . All rights reserved. Navient and the Navient logo are registered service marks of Navient Solutions , LLC .
Navient Corporation and its subsidiaries, including Navient Solutions, LLC, are not sponsored by or agencies of the United States of America. ] According to the Navient website, seen above, this entity is not sponsored by or an agency of the United States of America. Unlike the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: United Acceptance Inc.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
A woman name XXXX called from ( XXXX ) XXXX and left a voicemail stating she is going to put a hold on my bank account, tax return and my properties. She didn't explain anything other than what was said before and that I should call her at ( XXXX ) XXXX. When I called the number she stated I owed over {$16000.00} for a XXXX XXXX which was repossessed that I owe a balance on. The vehicle was never repossessed and I never received anything in writing or mail from United Acceptance ( car loan company that XXXX XXXX in XXXX, mo sold loan too ) stating they were filing a suit or anything. I don't like being threatened or left threatening incomplete messages and would like for the calls to stop. They have my address so they should mail paperwork to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, I have previously submitted a complaint towards Navient and how they made me pay interest while I was in school. When I submitted this complaint, Navient responded stating I stopped being a XXXX XXXX student and that is why I had to begin paying interest while I was still in school. I did not have a full time job during this period of time, so I was constantly stressing trying to figure out why and how I could pay for my loans while I was still in school. Naveint sent me this response to my complaint. " Your Subsidized Direct Loan was disbursed on XX/XX/XXXX. For subsidized Direct Loans disbursed between XX/XX/XXXX and XX/XX/XXXX, you are responsible for the interest that accrues during the six-month Grace Period. Your loans are entitled to one uninterrupted six-month Grace Period. You Grace period began when you withdrew from school on XX/XX/XXXX and ended on XX/XX/XXXX. Then your loans entered repayment. You did not return to school at least half time until XX/XX/XXXX, at which time, your loans were placed into an In-School Deferment. '' I was in fact a XXXX XXXX student from XX/XX/XXXX-XX/XX/XXXX. I never once deferred enrollment. The fact that they did n't even call to confirm if I deferred from school or not is appalling to me and extremely irresponsible on their part. To assume I stopped going to school, and to begin harassing my parents to get me to pay the loans is unfathomable to me. They kept calling and calling and saying that I would have bad credit if I did not begin paying. Not once did they mention in the calls that I had to pay interest because I " was n't in school ''. I have proof of my full time registration at XXXX. I want this issue to be addressed accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Request for Removal of Late Payments from Credit Report - Reference Law 15 USC 1681a and 15 USC 1666b According to the Fair Credit Reporting Act ( FCRA ) as per Law 15 USC 1681a Definitions rules of construction ( 2 ) Exclusions the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. I have recently reviewed my credit report and noticed that late payments have been recorded on my account for the months of XXXX, XXXX, and XX/XX/2023 on SOME not ALL reports. I would like the status updated to paid as agreed or okay. 

In light of this, I would like to draw your attention to Law 15 USC 1666b, which pertains to timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, on consumers reports furnished to credit reporting agencies. 

According to the law transactions ( late payments ) are not to be on my consumer report. I understand the information reported is by choice and not required. Your company according law is violating my rights and breaking the law. I've communicated this information to you all twice now and in writing in the mail with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: NC
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/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