BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-07
Company: Navient Solutions, LLC.
State: CT
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:
This is the 2nd complaint I submitted on your website against Navient. There are so many different entities that call me and so easy to lose track or even know who to talk to or trust. I call Navient and get sent to Student Loans then to FSA back to Navient, so frustrating. Today I receive a call from someone claiming to be with FSA-Center by the name of XXXX XXXX @ XXXX. He stated he was with FSA but by the end of the call it did not appear that was true. After he asked me to verify info on my loan such as address and name somehow he had an email sent to me with FSA ID # once I gave to him I received another email saying my ID was changed and I did not request that. He tells me Navient is being sued for doing unethical things to consumers. One of the links he forwarded me said Navient deceived student borrowes about requirement to release loan advising student they could made a certain number of consecutive payments ( 3 ) on time they entire loan would be forgiven. By the end of the call this is exactly what he said he was offering. I am afraid this person is a fraud and not sure what to do but he has all my Navient info somehow. The email that came through for him is XXXX. I was already against paying my loan because I feel I was mislead and now I deferred so much because that is what they recommended and I am in such a whole for schooling that was so unethical where they gave students the answers to the test so they could pass. I am so upset and want to know how to join the lawsuit " CFPB Sues Nation 's Largest Student Loan Company Navient for Failing Borrowers at Every Stage of Repayment '' if I qualify. My maiden name is XXXX last four of my social is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX Bank of America - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX My XXXX, XXXX, sent me a paper check in the mail. I attempted to deposit the funds via the mobile app. After I pushed submit, I noticed that my funds will not be available until XX/XX/XXXX ( today isXX/XX/XXXX ). I called BOA ask why there is a hold of 8 days. I told them that : It is not over 5K ( the check is for 2.2K ) My account has been open for over 30 days I have not bounced any checks The employer is XXXX banking through XXXX XXXX They stated that it will take 8 days. Maybe 200 - 300 will be available in a couple days, but the funds will be in my account onXX/XX/XXXX. I explained the urgency for the funds ( mortgage, medicine for my kids, food ) and while that may not expedite the process, I need to cancel the hold and cash the check so I can take care of my family. They refused to stop processing the check stating it will take 8 days. I asked for a supervisor. They stated the same thing. The refused to stop processing the check or expedite it. 

A few minutes later I tried to cancel my account in which they refused to do so. I reviewed the documentation on the federal reserves website and it seems that 8 days is well over the limit for a hold. 

I will call BOA to state I submitted this complaint. I know these compliant could take 15 days, but any help would be appreciated. My children need the basics and I can't provide that without the proper funds.

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 monetary relief
Consumer complaint received 2018-02-07
Company: U.S. BANCORP
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I met with XXXX XXXX XXXX at the XXXX XXXX main branch located at XXXX XXXX XXXX XXXX. The meeting was to discuss issues with my accounts and some errors that occurred. I indicated that I was told by the banker that opened my account that my personal & business accounts were free due to my veteran status. It was at this time that my account was signed up for a debit card, checking account, and paperless statements. 

Account ending in XXXX was charged off on XX/XX/XXXX for an amount of XXXX of which XXXX was a charged off account fee and XXXX was " monthly maintenance fee ''. XXXX XXXX stated that " This was not an appropriate account due to my veteran status I should have had a " Platinum Money Market Account '' ( Consumer Pricing agreement attached ) This account came with no fee. She stated that " it is not necessary for a banker to ask every customer if they are a veteran. '' My bank statements confirm my customer segment as " Military ''. XXXX was unable to determine why I was charged a fee. I indicated that I expected the account re-opened and the fees waived as I qualified for a much better product that was more appropriate. 

Account ending in XXXX was charged off on XX/XX/31 for an amount of XXXX of which {$30.00} was " charged off account fee and {$15.00} was " paper statement fee '' I indicated this was incorrect as numerous statements i have received in the past showed a fee posted and credit back on the same day. XXXX was unable to provide satisfactory explanation for the situation. The attached document shows no monthly fee for the account. 

I spoke with XXXX XXXX on XX/XX/XXXX she indicated that the fees for the above mentioned accounts were waived. There was no explanation given as to the cause of the fees. She further indicated that US Bank would not be re-opening the accounts. I confirmed with her that even though US bank had grossly erred in charging me fees that were incorrect, and the negligence by the bank that caused me to be in an inappropriate account they would not be rectifying the issue. She confirmed and the phone call was ended.

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 monetary relief
Consumer complaint received 2020-09-24
Company: SYNCHRONY FINANCIAL
State: NC
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:
I ordered a dresser from Ashley furniture with my Ashley furniture credit card. The delivery drivers ruined my walls going up the stairs and the corners of the dresser which will cost more than the dresser to fix. As of today, XX/XX/2020 it has been 94 days. I have called several times and they said that theyre still working on it. They have also reduced my credit limit for no reason. No one can help me when I call and its very frustrating.

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 monetary relief
Consumer complaint received 2020-02-05
Company: Experian Information Solutions 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:
XXXX  ; Experian and XXXX  are reporting incorrectly a charge-off in the amount of {$910.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased the vehicle on XXXX. ( Please see copy of the Vehicle Invoice. ) In addition, on the same day I purchased the vehicle, I also purchased GAP Insurance. ( Please see GAP ADDENDUM attached. ) I was involved in an accident that resulted in the vehicle being deemed a total loss. XXXX XXXX XXXX XXXX XXXX ( Letter attached dated XXXX ) has broken down the coverage of the vehicle as follows : Original Amount Financed XXXX GAP Contractual Maximum XXXX Contractual Payoff XXXX Minus Adjustment/Warranty XXXX Minus Net GAP XXXX Minus Primary XXXX Minus Misc Adj XXXX Total GAP Settlement XXXX TOTAL OWED XXXX The GAP Addendum clearly shows there was coverage and any remaining balance due was paid. Consequently, the charge-off being reported is false and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2018-06-07
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/18, i called Equifax to discuss if there is a freeze on my credit report and if so, understand why. When i called, the agent answering my call asked the security questions of which i answered all. Then when I asked my question, the agent said that she will not answer the question. Furthermore, she requested a copy of my social security card and a copy of driver 's license. When i asked why she needed these documents, she still refused to answer and insisted that she will not answer until she receives the requested documents. Two weeks ago, my husband and I were purchasing a vehicle and the dealership was able to pull my credit score just fine. When I wanted to check my credit score, i am seeing resistance that does not make sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Experian Information Solutions Inc.
State: WA
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:
1. XXXX is my student loan servicer. 

2. They are reporting my student loan status to XXXX  and XXXX  as " Paid or paying as agreed. '' which is correct BUT to Experian as " Was delinquent 180 days or more past due date. '' which is NOT correct! 

3. I wrote XXXX in XX/XX/2021 and asked for a summary of the months where they claim I was 180 days delinquent. Their attached letter is dated XX/XX/2021 (? ) and addressed to someone named 'XXXX '. It is not responsive to my request. 

4. I wrote Experian to dispute the incorrect information. They responded saying that XXXX has confirmed the entry.

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 2018-04-12
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied online on XX/XX/XXXX for a Citibank Simplicity card with 18 months 0 % APR for purchases but was given a Citibank Double Cash card instead.

I called Citibank support today ( XX/XX/XXXX ) after noticing that I received an interest charge on my first month. I was not given the ability to switch over to the correct account type.

I believe Citibank actively offers the Simplicity card online then bait and switches customers with Double Cash card in order to trick customers into paying interest charges on purchases they believe to be interest-free for 18 months.

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 monetary relief
Consumer complaint received 2019-03-19
Company: Genesis Lending
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Payments have been made and cleared on my XXXX card, issued by XXXX XXXX XXXX XXXX, available credit does not reflect these payments. My credit limit is XXXX, balance is XXXX currently with these payments in amounts of XXXX and XXXX, last two payments posted. My available credit shows zero

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
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 need to have the Fraud Alert removed from my credit report. I have tried getting this resolved many times and nothing has changed. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
In XXXX of XXXX I would send written request to the company for a legal name change and then I would destroy the existing card. Kohls Credit would ignore this request. On XX/XX/XXXX a purchase made under my new legal name would reveal Kohl 's credit has lied to me and refused to update this legal name change. They continue to try and block this legal name change. Now I am trying to get the account closed and paid off and they refused to provide a statement and they refuse to give any info for me to use billpay through my credit union to pay this off without revealing any sensitive information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/2021 BBVA CLOSED SIMPLE BANK APP AND TRANSFERRED CUSTOMERS TO BBVA with instructions to register new online account with BBVA.

I HAVE TRIED MULTIPLE TIMES TO CREATE MY NEW ACCOUNT WITH NUMEROUS ERRORS AND UNABLE TO REACH VIA CUSTOMER SERVICE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Navy Federal Credit Union is attempting to collect a debt in the amount of XXXX. This debt is a result of identity theft and should be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Experian Information Solutions Inc.
State: NY
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:
I am writing this to request that my credit reports be updated to reflect accurate data. I filed a complaint through the CFPB portal to dispute a debt collection attempt from XXXX XXXX that was not valid. Below is their response. They have agreed to remove the collection, " In response to your complaint, we have ceased collection attempts in our office. We will request that our information for this account be removed from the credit bureaus. '' I ask that this information be reflected immediately on my reports, thank you. 

Original Complaint ID : XXXX Response From XXXX  : This reply is in response to your complaint we received from the CFPB. We appreciate the opportunity to respond to your concerns. We have reviewed the complaint and the related matter. As a result of our investigation we are replying with the following information : XXXX placed an account for you in our office to collect a balance of {$2000.00}, on their behalf. We sent you a validation notice on XX/XX/XXXX. This notice included your right to dispute the balance owed. To date, this complaint is the only communication we have received on behalf of this account. The credit bureaus term account open date XX/XX/XXXX, means the date when we were assigned the collection account from our client. This does not affect or falsify how long the account will remain reported to the credit bureau. The amount of time the account will be reported to the credit bureau report is determined by the original delinquency date XX/XX/XXXX, as reported to us by XXXX. In an attempt to help you find resolution, we have forwarded a copy of your complaint to XXXX. In response, XXXX has provided an explanation of the account. We have attached a copy of their explanation for your convenience. We will mail you a copy of the statements provided by XXXX. 

In response to your complaint, we have ceased collection attempts in our office. We will request that our information for this account be removed from the credit bureaus. 

Please note that XXXX considers this balance to be valid and owed. We sincerely hope this represents a satisfactory resolution to your concerns. I would invite you to contact our Compliance Department by Email at # XXXX should you require further assistance. Kind regards, Compliance Representative at 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 explanation
Consumer complaint received 2021-05-09
Company: EQUIFAX, INC.
State: NY
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 ordered my credit report and there was a charge off account from XXXX which was supposed to be removed in XX/XX/XXXX. I disputed with the credit bureau to get it removed and they updated the account using the information from XXXX to XXXX as new. This caused my account to drop XXXX points in 2 different disputes. They were supposed to remove the charge off and instead they updated the old information to the present year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/XXXX I requested a Fraud Alert be placed on my credit reports to prevent any further unauthorized/fraudulent activity. 

On XX/XX/XXXX I paid {$17.00} for a certified letter to Equifax containing a signed and notarized letter regarding the fraudulent/invalid information on my credit report. The certified documents were : signed and notarized, a federal trade commission identity theft affidavit and my drivers license. 

On XX/XX/XXXX I received confirmation that Equifax received my certified letter and it's contents. 

As of XX/XX/XXXX, I paid the credit monitoring website, XXXX, a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Equifax is still on my credit report. There are fraudulent/invalid addresses and an inquiry which are not mine and did not give permission to anyone as well. 

I have lived at my current residence in XXXX, Ca for over 10 years ( Since XX/XX/XXXX ) and I have never lived out of state. 

In compliance with the Fair Credit Reporting Act, Section 611, the credit bureau Equifax has 30 days to review and remove my ( consumer ) complaint. It has been 120 days with no solution or response and now I am submitting a request for help with the Consumer Finance Protection Bureau to resolve this matter as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my loan with RMS ( from construction to permanent financing ) in XX/XX/XXXX. At that time, my appraisal was {$2500.00} short of what was needed to avoid paying PMI payments. I was given two options- pay the {$2500.00} or pay PMI for 6 months at which point I would have reached the 80 % and PMI would be removed. I chose the later option. 

After loan closing, the loan was sold to Wells Fargo. I contacted Wells Fargo by phone the first week of XXXX of XXXX to let them know that I was requesting PMI to be removed effective XX/XX/XXXX since I had paid the 6 months of PMI ( XXXX ). The  representative told me they would investigate and get back to me. I got a letter in the mail the last week of XXXX, saying that I would have to pay it down to 78 %, which would require around {$9000.00} or pay Wells Fargo to do an appraisal of the property. Neither of which was ever discussed with me at the time of loan closing. 

I called back and was told that they always reject the first inquiry and to do the appeal in writing. She gave me a fax number to use and asked that I send the appraisal from the refinance, a note with what was going on and a request to cancel. 

I sent the appraisal, etc. on XX/XX/XXXX. I then received a letter in the mail ( dated XX/XX/XXXX but received XX/XX/XXXX ) letting me though that they would not accept the appraisal since they ( Wells Fargo PMI department ) didn't order it. 

I called back on XX/XX/XXXX and explained to them that the appraisal was done at the time of the refinance and Wells Fargo bought this loan with the appraisal ( in other words, accepted it ) so there was no need to have a new appraisal. The representative told me that those were my  options, there was nothing they could do, and that I'd have to continue to pay until I reached 78 %, or I could refinance to another company who wouldn't require PMI, or have their co do another appraisal at my expense. 


I meet all of the requirements- I am at 80 %, the property value has not decreased ( it is new construction and it was from 6 months ago- in fact we have now added a XXXX garage so there is MORE value AND i provided an appraisal that they clearly approved ),  and I am and have always been current on my mortgage payments. At this point I have paid 3 months of PMI unnecessarily, all of which could have been funds to pay towards my principal loan. 

Please assist.

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 2021-08-18
Company: Quality Asset Recovery LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This medical company violated my rights under the HIPPA LAW sold and shared my medical history information with various parties. They also shared my medical information with various credit bureaus and they know my medical history. The hospital was not so suppose to bill me because the visit was under a charity program. This charity program pays the hospital visits in full. Moreover, my medical history is being sold and passed around to different creditors.

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