BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-21
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My mother consolidated loans in 2007 with Sallie mae one opf which was supposed to be paid to XXXX XXXX XXXX. thats the first thing, it was never pd to them and now im being charged from XXXX XXXX and on the consolidation from sallie mae which was sold to navient whioch is a horrible organization.they have me on an interest only payment because they offered me no other option for repayment they had me when i was pregnant on a forebearance which shot my accruing interest sky high they want over 1000 dollars per month from me which i can not do i have a family, they told my mother to cut down on her food consuption so she can help me pay my loans. 
2 of the consolidation loans equal about 30 grand and i cant get any info on what was consolidated since the loans were sold to them. if in fact one of the consolidations was to pay off XXXX XXXX then i am owed a heck of a lot of money from them becasue they never paid the loans. I believe there were other loans consolidated on the 2 as well. 
please help me I dont know who to turn to anymore, and they keep raising there interest rates as well. 
thank you XXXX XXXX loans are under XXXX XXXX my maiden name

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Navient Solutions, LLC.
State: FL
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:
Since the beginning of this year, I have attempted to send Navient my information for an IBR. They have miscalculated my repayment 2 times. ( my income has gone down, yet my payments have gone up considerably. ) I have written to the president of the company. I have turned in my documents three times as of XX/XX/2019. They continue to harass me via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: EQUIFAX, INC.
State: CA
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 an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like 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. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
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: Information belongs to someone else

Complaint:
My identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report XXXX XXXX Police # XXXX ) a copy is attached. 
Please remove this account from my credit file. 
Thank you.

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 2019-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
Due to the vehicle 's continued safety risks with turning off while driving which locks steering wheel we attempted from XXXX of XXXX ( 35 days post purchase ) till XXXX of XXXX to have it fixed through the extended warrenty purchased through the dealership. Every month it was in for the same issue with no remedy found or even the issue. We worked with the lender to voluntarily surrender the vehicle due to safety risk, but were unable to have it deemed. Lemon due to it being a used vehicle at time of purchase. The creditor stated it would show as a voluntary surrender " showing better than a reposession ''. The vehicle was sold at auction and we were informed we had a balance remaining to the lender. 3 debt collectors immediately reached out for payment, none of which had my name as a loan holder so they would not speak with me. XX/XX/XXXX I recieved a call stating I had a court summons due to the outstanding balance. I paid the amount due that day as they called to speak with me. I recieved a notice that the debt was paid in full which was shared with the 3 main credit bureaus. XX/XX/XXXX the account showed paid in full with a XXXX balance on all 3 major reports. XX/XX/XXXX flagship credit acceptance ( the original loan holder ) reinstated the account details to show the full balance still outstanding. I contacted the representative that I paid the balance through who assured me the account was closed with a paid in full balance and offered to resend the paid off status of the account again to the major bureaus. No chance has been made, I contacted transunion today who informed me that the dispute on the account balance has been denied as XXXX says that I owe them so case closed. There is no consumer protection in this fashion if they simply take the word of the creditor and not accept the pay off notices that they had already accepted this year.

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 2017-12-05
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Hello my name is XXXX XXXX on XX/XX/XXXX my friend XXXX XXXX used " XXXX '' to send me money he owed me for rent. I never used it so I downloaded it fast and he transferred it. It initially said it would be in my account onXX/XX/XXXX. Now XXXX is saying my account is deactivated and they money is stuck in there they will not transfer my money. They are accusing me of having 2 accounts with them which is not true! And now I do n't get my money because of it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: BSI Financial Holdings, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2021 - We received a Past Due Notice of Real Property Taxes from our County. Along with the past due amount is a Penalty for being Past Due. 

We have an Impound Account established with our BSI Financial Services Mortgage Company payment that is to pay/cover our Property Taxes and Homeowners Insurance premiums XXXX We have paid every monthly mortgage payment on time since the inception of the loan. 

On XX/XX/2021, we went to the County Tax website and pulled up our Property Information and Tax Payment record. It showed the Taxes past due. 

On XX/XX/2021, we also contacted the Mortgage company and signed into our on-line Account. The on-line account as well as our monthly mortgage statement dated XX/XX/2021 shows that the Tax Payment was made in the amount of {$1100.00}. 

On XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021, we CALLED the mortgage company regarding the past due taxes. We were given a different person each call, and each person had a different explanation of why the taxes were NOT PAID. We were told there was a problem with the " wire transfer '' to XXXX XXXX NV, we were told the payment was made but did not go through, we were told the issue was being resolved and they would call us back with a " check number '' since the taxes were now being paid individually vs as a group. We were told there are no supervisors, no managers, no person in charge that works for BSI that we could speak to. We were told there is no one in the " tax department '' that takes calls or that can call us back. 

We were never told there was an issue with the payments they made to our County Tax Collector, we were never told there was an issue with our mortgage payments, we were never notified that BSI was having issues with their wire transfer to multiple counties, UNTIL we called in about our Past Due Notice. 

BSI is stating that they had multiple counties that could not accept their wire transfers, yet they did not notify any of their customers. BSI has stated they would take care of the tax payments and late penalty fees, but as of today 's date : XX/XX/2021, the taxes are still past due on the county website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: ALLIANT CREDIT UNION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to request an investigation and dispute for a derogatory mark I received on my Credit Report from my Alliant Car Loan ( XXXX XXXX XXXX  ). 

On XX/XX/XXXX I was alerted through my XXXX account that my credit score had gone down 91 points. I pulled my credit report and saw a derogatory mark. I called my loan provider Alliant and they said it looked like I did not have insurance XXXX XXXX even though I in fact have insurance for those three months. I called XXXX ( my insurance ) and they said this was caused by a glitch that occurred in the XXXX system.This glitch caused an increase in my car payment from Alliant, which I did not know about. I never received any documents in the mail about my the contracted amount going up. This resulted in an {$8.00} past due on my credit report and a derogatory mark. My account is on autopay and I did not realize the amount had been increased due to the glitch, even though I did have the proper insurance and was paying for it on time every month. I have always paid all of my car payments before this all happened.

Alliant told me to call XXXX Solutions to have my XXXX insurance verified since Collateral Protection Insurance or Force-Placed Insurance was put on my auto loan account, which caused my contracted amount to go up even though I did actually have my own insurance / was paying it on time. Documents have been sent to XXXX Solutions from XXXX to show proof that I did have insurance XXXX XXXX. I was told by the XXXX Solutions that I would receive a refund for what I had to pay when my car loan went up and my account has been updated to show that I did have insurance and my auto loan amount will go down to my contracted amount in around 3 weeks. 

I filed a dispute with Alliant on XX/XX/XXXX and asked them to remove the XX/XX/XXXX derogatory mark and they did nothing help to take the derogatory mark off my credit report even though I did have insurance the entire time and provided documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new checking account with Bank of America in XX/XX/2021. 

I deposited {$290.00} on XX/XX/2021 into my account via Direct Deposit. My account was in good standing. 

On XX/XX/2021 at XXXX I deposited {$1400.00} ( XXXX {$20.00} Bills ) into Bank of Americas ATM ; ATM ID : XXXX in XXXX , Maryland . Which malfunctioned and was unable to fund my account or return my deposit. It asked me the amount and also gave me a receipt of the machine malfunction. 

I stayed at the bank and within 15 minutes I filed a claim via the Electronic Claims number provided. The claims representative informed me I would receive a temporary credit within 2 days pending an investigation and notice via mail. 

I attempted to use my ATM/Debit card to make a purchase the next day and it was declined. I contacted Bank of America and was informed my account was in the process of closure pending the result of the previously opened claim. They never contacted me informing my account was in closure. 

On XX/XX/2021 I contacted Bank of America for an update due to not having access to online banking message center. I did not receive any mail notice. Bank of America informed me the claim was denied as they were unable to retrieve any cash from the ATM and stated video footage showed I did not make a cash deposit which is impossible. 

I asked for proof of the video footage and Bank of America informed me I can file a police report and subpoena the footage. Why should I be put through more emotional anguish by opening a legal process to rectify a malfunction with Bank of Americas faulty ATM machine. Why would Bank of America not openly provide the video footage to a customer ; weird right? 

I asked the representative when my remaining account balance would be sent to me and she informed me the estimated account closure date was XX/XX/2021. How is this possible when I was informed if my claim was accepted I would be sent a check including my account balance that week. Meanwhile I lose {$1400.00} and my remaining funds will be held for more than month by Bank of America which I believe they benefit from in some financial way through interest. 

I have attached the ATM malfunction receipt and proof of my ability to provite the funds I received and deposited. The funds I deposited were Federal Unemployment Compensation due to unemployment because of Covid-19. 

This has severely impacted my already handicapped ability to provide for myself and fulfill my obligation to my rent. I can not easily replace {$1400.00} at this time due to unemployment. I think it is unacceptable Bank of America is allowed to operate claims and accounts in this way. I think there has been foul play in the handling of my account and ATM claim on Bank of America 's part.

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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries on my report that I didnt do or have any knowledge of could you please delete this from my account. 


XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX CA 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 2022-08-10
Company: GATEWAY FIRST BANK
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Last XXXX my wife, XXXX and I ( XXXX ) received the document from the Gateway mortgage of XXXX, Texas for the first time for what reasons, we did not know. Then some- time later her second elder son, XXXX said that the Gateway mortgage agency wanted to know all about his parents and their finances without our knowledge and our per-mission. They argued that it was just information in the Gateway Mortgage wanted to know. Why? What's more, they had said nothing about the co-signers - that's - XXXX may have expected us to get involved in their affairs as I had suspected at first. So many months had passed until last Monday the Gateway mortgage mailed the documents in which they expected us to be co-signers. Such documents ( some of them that I did not understand, and I did frankly tell XXXX that I was not sure of what I did not understand. But XXXX used his forceful request for us to sign so quickly and mail them to the Gateway Mortgage before the coming Friday. We are retired, and XXXX is XXXX XXXX XXXX and I am XXXX XXXX XXXX. What's more, we are XXXX  since birth. Your website said : " You do not have to sign such document, as mortgage if you do not understand. '' That is a relief for us. I need your help on this case. It's because we are prepared to move out of apartment soon because of increased rent in which we could not afford. We plan to move to the assisted living site somewhere in XXXX, Oregon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: WELLS FARGO & COMPANY
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Used XXXX to transfer funds from Wells Fargo bank account to another Wells Fargo account to pay rent on XX/XX/2019 for {$500.00}. The person I was transferring funds to did not receive funds. Contacted Wells Fargo and filed complaint. They informed me that they could not help me and closed complaint because XXXX is not affiliated with them. They do advertise and encourage it on their website to pay bills with. Disappointed that they would not assist in getting funds back.

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 2021-12-01
Company: EQUIFAX, INC.
State: PA
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 name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX with account number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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: Information belongs to someone else

Complaint:
Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00}, U S DEPT OF EDXXXX XXXX Balance {$3100.00} , U S DEPT OF EDXXXX XXXX Balance {$5100.00} XXXX XXXX XXXX XXXX Balance {$0.00}, XXXX & XXXX XXXX Balance {$200.00}, XXXX & XXXX XXXX XXXX {$610.00}.

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 2021-12-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hey, XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of XXXX XXXX XXXX XXXX Section XXXX. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

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 2019-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Duplicate collection accounts from one collector show up on all three reporting agencies, XXXX, XXXX and TransUnion. Account information incorrect Collection agency went through a period of multiple harassing phone calls to my cell phone even after my telling them not to call. 
I called the collection agency XX/XX/2019 the agent admitted account duplication and reporting and refused to discuss removal. 
I have disputed accounts with Credit Bureaus but issue has never been resolved. Credit bureaus have failed to correct. Incorrect information remains on my credit reports and is noted as verified but disputed. 

The offending collection agency is : XXXX. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX See attached information copied from credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Bankruptcy they say verified thru court .... i received letter from court saying THEY DO NOT HAVE ANY INTERACTION WITH CREDIT BUREAUS .... i asked that their source and any information be released to me per my right by the FCRA they said courts which clearly DOES NOT INTERACT WITH THEM I ASK THIS BANKRUPTCY BE DELETED ... it is not mine

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