BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-18
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have asked for options in repayment several times, because I have been having difficulty paying the full amount monthly. Navient has not given me any forbearance/deferment/payment reduction options. Instead, they tell me I am behind and need to catch up with no other options given. Since, I have been placed on a payment program to catch up. Ive been told that my account will be current as of XXXX if payments are made. The company continues to report NEGATIVE comments on both my credit report and my co-signers, even though we are on such a payment plan, and have asked for other options. I spoke with Navient regarding the derogatory comments on both credit reports, and was told that they will continue to give negative hits to our credit until XXXX, even though we are on such a payment plan to catch up. These negative comments on both credit reports have made both mine, and my co-signers credit drop drastically. Our credit is being hit with derogatory marks EVERY SINGLE DAY! Sometimes, more than once a day! This is totally unacceptable for a company to take advantage of their customers and put them in such a horrific credit state if the party is trying got work with them to resolve the issue and make payments to become current. I WANT THE DEROGATORY CREDIT REPORTS TO STOP IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have posted {$140.00} dollars overdraft fees on my account. I have money in my account to pay for the charges that were returned a day after my deposit posted. Can I have a reversal in the fees? I also have 2 overdraft fess in the amount of {$72.00} do to XXXX XXXX charging me three times for same transaction. Can i please have this amount returned to my account?

The company is charging fees after deposit posted is enough to cover any funds. banks does not respond to any request via email.

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 2019-08-27
Company: Experian Information Solutions Inc.
State: PA
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:
This is the 2nd time that XXXX has provided incorrect information to the credit bureaus on my mortgage. 
I am on the phone with them again, today XX/XX/19 They reported that my mortgage balance increased which is not correct. They have confirmed it is not correct and now want me to do the leg work to fix 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 2018-04-10
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After Santander bank filed for petition to foreclose my house, I received a call from XXXX that assured me that they can modify my loan and charged me around {$4000.00}. 
Now I have a notice of foreclosure in my hands. Santander is playing games by asking to supply them by some minor information or more recent pay stubs, by the time they receive the info they trash the whole stack of papers that I already sent by saying it has been over 2 months. 
They did this to me, also to XXXX twice

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 2021-08-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax has the worst customer service ever, they are very rude and do not follow the FCRA!! They lie and never investigate with real people they use automated service to handle investigation! A real human would see these accounts are inaccurate! I have call so many times for months with horrible service and I sent multiple letters snail mail for 6 months and they refuse to help me during this pandemic! They are the worst every with disputes because no human being actually looks at your letters they use a computer to verify. I feel betrayed and discriminated by this company. They make money from keep my credit report inaccurate Equifax reopened and reaged this account US DEPARTMENT OF EDU XXXX the account status is wrong also The balance owed and amount paid are all completed inaccurate!! 

The balance and past due on on US DEPARTMENT OF EDU XXXX is wrong it is inaccurate! Equifax update false information without doing a real investigation in the inaccurate information! 

The reported balance and past due amount on XXXX XXXX XXXX XXXX is inaccurate and very wrong. Also the payment history is fabricated and incorrect. Equifax did not do any real investigation at all. It like they use some automated service with not real hands on person!! 

Equifax are falsely reporting DEPT OF ED/XXXX XXXX there is absolutely no history or balance on this account it shows {$0.00} with no payments but they are keeping it to hurt my credit. 



Equifax are falsely reporting DEPT OF ED/XXXX XXXX there is absolutely no history or balance on this account it show {$0.00} with no payments but they are keeping it to hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made payment to american express card but due to some error it got declined and my bank charged me {$30.00} and AMEX charged me XXXX XXXX then I chat with AMEX and tell them about it and they returned my fee. I also call my bank and tell them about it and due to my good history they gave my money back and asked me to call AMEX to inform that do not try to pull payment again ( generally institution pull amount for three time incase it get declined ). So, I chat with amex and they assured me that their institution won't try to pull the payment but still they did next day back to back two times. Then I called amex again and discuss about it for half an hour and they were trying to manipulate. Then I told them that I have written proof that your agent gave me and I will go legally against this. Then representative agreed to give {$60.00} fees back to my account. But when statement was generated I didn't get that amount and when I called again they changed their word and they said we will call you after we look into it, still they did not call me back. 

I called them on XX/XX/2019 around between XXXX to XXXX, you can check call recording and they agree to pay that amount but now they change their word. 

I have case id : XXXX which was given to me on XX/XX/XXXX by representative who assured me for that {$60.00} amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-27
Company: Ocwen Financial Corporation
State: PA
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:
This is the 2nd time that PHH has provided incorrect information to the credit bureaus on my mortgage. 
I am on the phone with them again, today XX/XX/19 They reported that my mortgage balance increased which is not correct. They have confirmed it is not correct and now want me to do the leg work to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
regarding forced placed Flood insurance. I purchased flood insurance and obtained verification from FEMA my structure is not in a flood zone.I and the insurance company has sent this documentation in 12 or so times. I have called every month for the past 7 months. Lender who lost my documentation the first 5 times now state my 3rd party verification is not sufficient to remove the forced place insurance. they have acknowledge i have flood insurance in place but the zone and type of coverage does not satisfy their requirement. I have reviewed my documentation with the front end persons and a manager but the persons making the decision are not satisfied. I have not been provided any documentation disputing my documentation provided by XXXX XXXX XXXX, through XXXX XXXX XXXX XXXX, on Department of Homeland Security FEMA document. 

i believe this process is not representative and believe it is an unfair additional monthly and annual cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: EQUIFAX, INC.
State: FL
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: Other problem getting your report or credit score

Complaint:
There are so many reports concerning this organization and this issue that it makes your agency appear to be impotent and incapable of doing anything at all. Quite frankly a quick read, rite and file! Dispute Result- XXXX XX/XX/2019 Member IDXXXX. This is a major impact to us financially I and my wife. Although attempting through letter and On Line Multiple times- telephone and fax we can not get through via any medium they provide. Wrong numbers, Emails that do not work and Computer access that fails and the reports remain incorrect. While negatives are reported immediately and even if wrong it takes months to remove or repair [ as this report is witness to ] Their safety valve of they only report contact the creditors is confirmed within this report by the fact the creditors do not respond quickly and have no need to. The fact they never respond to the inquiry of offshore processing of citizen information is of itself a confirmation of who they are and your lack of concern and or ability to act is of itself and by a opinion a great charade. Balances when wrong reported immediately while latest balances take months an paid accounts even longer. The attempt by opinion to deliberate keep us indentured producing less than favorable credit scores and higher interest rates. The so called security free a farce and lie by their own words. Do we expect anything from your organization- NO- " you shall know them by their fruits '' and the both of you and the others who called themselves reporting agencies or Consumer Protection mere labels. If this any honor or credibility please have the reports updated correctly or develop legislation to inhibit slow response by the creditor and non immediate updates so the reports are maintained real time! So much for the good the decent and the honorable!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: Ad Astra Recovery Services Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt recovery was reported on my credit report XX/XX/2019. 
The recovery company is AD Astra RecoveryServ XXXX. For XXXX XXXX I do not know anything about this debt nor does my husband. 

I want this removed from my credit report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am filing this case for the fifth time. Capital Kne bank letter dated XXXX XX/XX/2021 XXXX attached XXXX states the wire transfer was approve and returned on XXXX XX/XX/2021. To date, I have not received the check nor my bank XXXX. Today, XXXX 2021, I checked with my bank and to date they have not received anything. 

Capital One failed to address in their letter how they have sent the money back. On XXXX XX/XX/2021, I was for the first time able to reach XXXX and she has told me she will check and let me know how the funds were returned and she will send me copies of the document to my email XXXX within 2-3days. 

It has been over a year Capital one is sitting on my money with fake promises. Please someone from Capital one call me at XXXX or email regarding my issues as stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company is reporting a past due mortgage to the credit bureau when my mortgage is not past due. They are also trying to make me pay a balance that was not included in my mortgage refinance. About a year after I refinanced my mortgage through a modification, Carrington Mortgage Services then started adding a balance of {$6000.00} plus to my mortgage which already included in the modified amount of the mortgage. Nowhere in my modification documents does this amount exist otherwise but someone in the bankruptcy department decided to add the additional to my bankruptcy even after it was applied to the balance in my modification. They have now reported this as a past due payment to the credit bureau when in fact my mortgage is current and has been for some time They are now showing my mortgage as 7 months past due as of this complaint filing for {$20.00} per month payments. I have asked them to correct this and they have refused. My bankruptcy will discharge this month and they were originally included until the modification, at which time they gave notice of no claim. They simply refuse to correct this and now puts me in a situation whereas I am unable to refinance my mortgage with anyone.

Also they have this fee on my account that I don't know why its there for {$90.00}. I had originally thought I'd need Covid relief, but did not, and have been making my payments. They are just daily distorting my account because I believe they want to try to illegally foreclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a bunch of fraudulent or inaccurate info on my credit profile. I am getting denied for jobs, I cant move into an apartment, I cant even get pre-qualified for a home! 


Hard Inquiries : XXXX XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX Collections non specific {$510.00} {$510.00} XX/XX/XXXX XXXX XXXX XXXX Other Collection Agencies {$810.00} {$810.00} XX/XX/XXXX XXXX  : XXXX XXXX XXXX   XXXX Collection services {$810.00} {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Collection services {$510.00} {$0.00} XX/XX/XXXX Equifax : XXXX XXXX XXXX XXXX XXXX {$810.00} {$0.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan was being handled by a company called XXXX and was taken over by XXXX. Between the transfer my XXXX, XXXX, XXXX and XX/XX/2018 payments went missing. They eventually credited me three of them but one payment is still missing and they have made me jump through so many hoops trying to get it back. I had to get documents from my bank and do conference calls with my bank. They made me contact XXXX  multiple times which has been shutdown and does not have any staff to help. They promise and promise and promise to " look into it '' and call me back in " 2-3 business days, '' but no one follows up. I get a different story every time I call. Ive been told that I can only get a credit to my account and I have been told that it can only be issued by check in 3 weeks. But nothing ever shows up in my account. No check is ever mailed to me. 

I feel helpless and I have to keep sending them money every month with absolutely no recourse. Can you please help me? I am sure there are a lot of other people who are having the exact same problems due to their switch over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my privacy rights. 

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.

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 2019-08-27
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
when checking my credit report there was some fraudulent accounts on my credit report I will like for these items to be removed asap!!!!

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 2021-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
In XX/XX/2021, I lost online access to my credit card account as my phone number changed. This meant I was not able to view my statements, in order to make payments, due to a loss of 2 factor authentication. I called multiple times to attempt to resolve the issue, and submitted proof of identity multiple times as requested. However, my issue was still not resolved - I remained unable to access my account and make payments. In a final call in XX/XX/2021, I sought confirmation that I had done all I could on my end, and would not be charged interest while Capital One restored access to my account. I was given this assurance. 

I followed up in XX/XX/2021, and found out that I had in fact been charged interest. While my XXXX and XX/XX/2021 calls, where I sought the above assurance, were recorded, Capital One refused to review these calls to confirm as such, nor would they provide me with the recordings of those calls, and advised that my interest charge would stand. In fact, in XX/XX/2021, I had explicitly requested email confirmation of the agreement made in those calls in order that I had confirmation of our discussion, but was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-12
Company: Convergent Resources, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account showed back up a year later after paying balance for removal.

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: EQUIFAX, 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 and Equifax are reporting events that occurred in XXXX. My attempts to have Equifax stop reporting the stale, out-of-date information have not been successful as of a letter from Equifax dated XX/XX/XXXX, Confirmation # XXXX, stating the out-of-date information would continue because XXXX continues to " update '' the out-of-date information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: EQUIFAX, INC.
State: MD
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:
Couple different items occurred with XXXX XXXX XXXX. They acquired the loan after a permanent modification and failed to notify me @ the address on file. I had to seek them out based on data from the prior lender when payments were returned. Despite my efforts they marked the first mortgage payment as late despite my proactive efforts. This has a material impact on my credit score and they refuse to address this. This is the only late payment on this or any other account on my credit report. 

Secondarily, after repeated attempts they continue to send pertinent mail to the property address. 1098s and things like changes to escrow.

Thirdly, they had a 3rd part review the flood insurance on the property. I, within the time allotted procured flood insurance from a national carrier @ $ XXXX/year. Further I followed their process, uploaded the binder and assumed the issue was ended. Instead they are providing flood insurance @ $ XXXX/year and claim to have not received the binder. Customer service rep XXXX on XX/XX/XXXX confirmed the document had been received and I've been billed in error. 

Fourthly, the password reset routine on their website has been dysfunctional for at least 3 days. Requiring me to call to get a reset to access the latest data. 

It looks a lot like XXXX XXXX XXXX is in the business of making it difficult for folks to pay the mortgage as agreed and have a larger interest in generating fees and challenges for the mortgagee.

Company response to consumer: Closed with explanation