BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-19
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient has twice changed my automatic payment without any notice. On XX/XX/XXXX instead of deducting the XXXX which was the previous deduction amount, they deducted XXXX. I had been enrolled in a program to get my loan out of default and when it was transferred to navient the deductions remained the same for a few months. They stated hey emailed me notices which I never received. Then this month on XX/XX/XXXX the deducted XXXX instead of the XXXX that was being deducted. I was enrolled in an income driven repayment plan and it had expired. I received no notice, even though they stated they sent me emails in XXXX and XXXX. I asked them to confirm my email multiple times and I asked to speak to someone to address the issue because I was not receiving an email. They stated they did not have a way to resolve the issue and just simply I should be receiving the emails. I checked all mail boxes and had not one email from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to FRD MOTOR CR XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Dream Center Education Holdings
State: MN
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:
( Case : XXXX-XXXX-XXXX-DAP Doc # : 91 Filed : XX/XX/19 ) : " What both the Receiver and the DOE did not know was that DCEH and Argosy  were altering their submissions to the DOE to reflect that the Student Stipend had been paid when in fact it had not been paid. Based upon these submissions, DOE advanced all of the students Title IV money. Once the money was received, Argosy and DCEH voided their bookkeeping entries that showed the student had been paid and paid operating expenses with the money rather than paying the Student Stipend. ''

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
Last Friday, XX/XX/2018 I deposited a check in the amount of {$150000.00} XXXX PESOS at Bank of America XXXX branch in  XXXX, Texas. I was very disappointed with the service, the bank teller and his manager told me I had to wait between 4 to 6 weeks to cash it and to be deposited in dollars in my checking account. As a 34-year Bank of America constant customer I believe I deserve much better service, in addition, the bank manager told me she was not able to tell me the international commission, and fees incurred in the transaction and the exchange rate, especially when this bank branch is about 5 miles away from the border. I recalled this Bank of America procedure is EXACTLY the same as it was +30 years ago, in other words, Bank of America has not upgraded their technology nor adopted current global banking practices. I have copies of the form Bank of America made me fill out so you can corroborate my assertions. The problem I expect to have is that once the transaction is done I will incur charges I did not expect. 
These obsolete and abusive banking procedures undermine the efficiency and honesty of banking institutions and promotes customers to follow questionable and predatory lending institutions such as lending and money exchange outlets

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Our business bank account was closed by XXXX XXXX corporate back office due to our non-profit 's CA XXXX status being suspended in XXXX. This was discovered when a change of ownership on the account was made XX/XX/XXXX. At that time actions by the non-profit had already been made to correct the status. Wells Fargo Corporate office refused to wait for the process to complete. The account was frozen with no transactions allowed by a Wells Fargo applied extension that was incorrectly classified as HOLD account instead of XXXX banking. At that time a request to close the account and disburse funds was made. Initially the request was refused. Reason given was HOLD extension was in place. The request to disburse funds was ignored till XXXX  XXXX was contacted XX/XX/XXXX. Surprisingly the account was closed XX/XX/XXXX prior to expiration of extension. Check cut on XX/XX/XXXX. 

Ultimately, all efforts to clear our tax status with CA XXXX, the one Wells Fargo is willing to accept, are delayed due to the banks continued disregard for the consequences, to its customers especially, caused by their decisions. Their callous actions caused the checks written for tax return fees to be rejected. Delaying restoration limits the ability to fund-raise effectively. 

Currently, we are a restored non-profit charitable entity with both the IRS and the DOJ of CA ( Attorney Generals office ). The IRS letter granting restoration status was provided to a Wells Fargo representative handling the case on XX/XX/XXXX, prior to the account 's closure. 

Rhetorical question : If the Federal and State AG 's office recognizes a non-profit 's status and grants all charitable rights, wouldn't it make sense that those agencies ' approval would be enough to resolve the bank 's CA XXXX concerns?

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 2021-09-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored by my disputes. Section 611 ( a ). It plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so they should be deleted properly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Early Warning Services, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I went to the website XXXX and contacted the person on the website to about purchasing a kitten. They emailed me from XXXX and said the kitten was XXXX and XXXX for shipping. I had many conversations with the person. They showed me pictures, videos, etc. I have purchased animals online before so I had no clue this was a scam. I paid thru Zelle {$1000.00} on XX/XX/2020. The cat was going to be shipped to me by plane on Friday XX/XX/2020. The seller sent me the plane information, told me the cat passed the wellness check to fly then told me I needed to rent or by a special cage. XXXX to buy or XXXX to Rent. Send her the money and she will take care of it. when I get the cat it will be refunded to me 100.00 % at the airport. I called XXXX XXXX and they told me that was a scam. They said do not do it. So I told the seller I could not afford than and would like a refund for the animal. They said they would do it the following morning. Since then I have not heard anything from the seller. The website is XXXX email address they used with Zelle  is XXXX XXXX XXXX and phone number on the website is XXXX they gave me the address of XXXX XXXX XXXX XXXX XXXX CA XXXX. I have reported this to my bank. They are in the process is investigating and working with the other bank to get my money returned to me. I just wanted to buy a kitten and they not only stole my money but I am not getting the kitten that I fell in love with from videos and pictures. People like this make me sick to my stomach. If we could find them I have no issue pressing charges against them. Zelle Reference code XXXX I have attached all emails from the scam seller and myself and pictures of the website that is still up and running and scamming other Americans

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update or correct them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-15
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: Information belongs to someone else

Complaint:
TransUnion XXXX XXXX  Credit Report Period XX/XX/XXXX Account Number XXXX Condition Derogatory Responsibility Individual Current Balance XXXX Original Balance i sent transunion the total payoff due to the hurricane plus they have gap on all their cars now they put it back on my credit report violations of my fcra rights XXXX Limit 0 Monthly Payment 0 Last Payment XX/XX/XXXX Status Collection / Charge-Off Loan Term 48 Loan Type Auto Lease Opened XX/XX/XXXX Reported 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 explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: TN
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:
re : Went to pay for doctor bill at time of service : {$35.00} copay, young lady said I owed nothing since this so-called " doctor '' didn't accept me as a patient. 4 years, did you hear, FOUR YEARS later he turned me in to collection company for his {$35.00}!! they have reported me as non-payment, collections, on my credit report, and equifax can only " contact '' them!!! 
i had no choice but to pay so this will be removed from my report, but this is so unfair. if anything, i deserve my money back!!!! i had to pay, they threatened me with attorney costs!!! the company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX | XXXX, KY XXXX Phone : ( XXXX ) XXXX Have had XXXX since birth, XXXX different types XXXX, stemming from every section of my brain. This man is a poor excuse for a doctor!!!! Poked me in head where I had XXXX XXXX, asking what's this? What an XXXX!! 
i have been seen by the # 1 neurologist in the world, XXXX XXXX XXXXXXXX, and she put me thru hundreds of studies, including implant trials to control my XXXX all unsuccessful!! But she tried!!! 
He turned to us, said he didn't want another doctor 's problems, refused to understand that i have XXXX XXXXXXXX and can only take XXXX ; he said this was nonsense!! 
finally, after " consulting '' with his laptop, and ignoring me, my husband said that we understand that some doctors are just aren't as smart as others, and took my hand and we left!!! he is rude, arrogant and totally unethical!!!! unlike any doctor i've ever seen for XXXX, and trust me, i've seen many!!! this man acted like " why are you here? '' duh... you're ( supposed to be ) a neurologist, i have XXXX... you figure it out XXXX!!! soooooo rude!!!!!!! 
Hope this man, and his staff, retire before he hurts someone!!! The man is a XXXX, no one should trust him!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Peer Advisors, LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2017 my home was more than 75 % destroyed by a wildfire. My homeowners insurance ( with XXXX ) paid for several type of coverage ( loss of personal goods, loss of furniture, destroyed plants, a mobile home on the property ). XXXX wrote a check for the amount of my coverage on the dwelling XXXX {$530000.00} ) to the lender and me. I endorsed it to the lender. ( XXXX XXXX at that time. I'm told the loan is now owned by Celink. ) XXXX XXXX paid {$410000.00} +/- to a general contractor who worked on the rebuilding. Celink has the remaining {$120000.00} +/-. 

Celink will not release any of those monies to me or my current general contractor. Celink maintains that I have to rebuild or replace the mobile home that was on the property and a workshop that was on the property. 

There are both items of personal property. Celink is withholding insurance proceed that were provided by XXXX to rebuild/repair the " dwelling ''. All other payments from XXXX for other type of coverage were paid solely to me ( i.e. not to the lender and me ). 

The mobile home and workshop are not part of the real estate that is the security for the loan Celink now owns. Neither of them are items I want to, or intend to, replace. I do not believe Celink is justified in withholding the {$120000.00} which I need to complete rebuilding my home. Celink will not discuss this with me. 

Can you clarify whether or not Celink is entitled to withhold those funds? 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Six months ago, I noticed XXXX XXXX on my credit report and knew I had never done business with them. I did do business with Personal Finance who was acquired by XXXX XXXX and the loan that I had with Personal Finance I had a perfect payment record and was closed and paid off in XXXX of 2014, which is also reflected on my credit report. I called XXXX XXXX and was told the loan was too old and they could not access any information on it.

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 2017-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Since XX/XX/2016 .... pretty much a year ago, I have tried to have fraudulent and unknown accounts and errors deleted from my XXXX credit report. Per the advice of a XXXX  rep named XXXX in special services, sent in my police report and nothing has happened and I can no longer reach him. 

I have some huge concerns about the following fraudulent accounts and need them to be removed asap .... they are also referenced in my police report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Me and other person opened an joint account online with Bank of America. I went in and deposited the money within few weeks of opening the account. The teller told me that funds are not on hold and available right away. within few days Bank of America without any communication or even no notes on my account put a huge amount in negative {$880000.00}. I called them right when I saw it and they told me that this is their code of freezing the account. I spend 2 days so far on the phone with them trying to figure out what is going on, they are not giving me any answers. Today I saw another withholding from my account for {$370.00}. I called them again and they are not giving me any information. So instead of them working and communicating with me about any issues, they are steeling money from my account without any reasons. I need your help to get my money back. This is fraud and scan on their end. I have a small child and they block all my money and I do not know how to survive. Bank of America refuses to release any amount of money. Also, I would like to request they they release all money right away and pay me daily interest on the money that they block. The account number is XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My paid subscription directly with XXXX is showing a 53 point higher credit score ( Fico Score ) than when my lender pulls it ( USAA ) all of the accounts, the dates and balances are identical. I have compared the two reports line by line, nothing is different but the scores. This can not be justified, and is very dishonest as it allows the lender to charge higher interest rates on loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.

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