BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-18
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In the past I communicate with Navient contact me at me work place. On XX/XX/2020 I received 7 voicemail from them. Leaving my personal in formation on a company phone that I have no access. On XX/XX/2020 I received 9 voicemail in a span of 6 hours. All with personal information on company phone that I don't have access to. They repeated called family members that have no association with debt. The called one family twice left a message and then called said person while they were working harassed them until they told them to never call again. I believe they have violated the Fair Debt Collection Practices Act with these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
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:
I recently pulled my credit report and discovered a number of inaccurate items. Over 60 days later I haven't heard anything back from each bureau. I feel like Im being taking advantage of. These items are causing me a great deal of grief because they are harming my score. During this difficult time for my family I don't need anything hindering me financially. I also made the bureaus aware I was affected by the Equifax data breach which Im just now finding out about and Im afraid my information has got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

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 2020-10-15
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX of XXXX I spoke with MyFedLoans regarding loan payments from : XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX According to MyFedLoans, these loan payments were NOT marked as qualified towards the 120 payments towards the PSLF program even though I made student loan payments during those months.

I was told to call back to follow up on this request.

I have been calling at least once every month and STILL have been given the same response : that these payments are " under review '' and to call back to check on the status.

It is completely unacceptable for FedLoan Servicing to continue to have this response when it has been close to a year now ( I write  this in XX/XX/XXXX ) and I STILL get the same response. 

I greatly appreciate all your help and time of this review as I want to bring attention to this matter that FedLoan Servicing needs to be held accountable AND responsible for getting back to loan payers in a timely manner.

Again, thank you for your help and time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In early XX/XX/2021, Chase bank to an action to end their relationship with me and my accounts and refused to provide a reason. They canceled all my credit cards, they sent a note that they will be closing my Checking and Savings account on XX/XX/2021, and they put a halt to my brokerage account activity and followed up with a letter notifying me that this account, including my IRAs will be closed in early XXXX and to begin transferring the funds out of the Bank. I have tried to contact chase on many levels including local branch and XXXX XXXX numbers and can not get an answer at all to the cause. I am not opening an account at a different bank with no issues. I can't understand why the bank would all of the sudden close all of my accounts with no reason provide. 
Chase Bank did say that my auto loan and mortgage loan are fine and can stay. 
There has to be a reason for Chase to close all of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my 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 2017-08-08
Company: Shellpoint Partners, LLC
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
PROPERTY ADDRESS : XXXX XXXX XXXX XXXX, XXXX, TN XXXX LOAN INFORMATION : 1. LOAN # : XXXX AMOUNT : {$120000.00} LENDER : XXXX XXXX BANK XXXX. LOAN # : XXXX AMOUNT : {$23000.00} LENDER : XXXX XXXX XXXX XXXX XXXX : Shellpoint Mortgage Serving XXXX Loss Midigation ( Good Luck ) Bought the house in XX/XX/XXXX, made payments until XX/XX/XXXX when the economy crash and I lost my job. I tried to refinance with loan servicer ( XXXX ). After several attempts with XXXX to refinance through different programs and submitting personal information several and several checks of my credit rating,This was over a two year period and each time they check my credit score, due to loss of  paperwork or filing under a different program, it tanked XXXX said that my credit score was  too low to qualify and I needed to find financing somewhere else. Between XX/XX/XXXX and XX/XX/XXXX XXXX called several hundred times to collect, but they would not refinance and they trashed my credit rating. After paying a lawyer {$6000.00} dollars to try to help me out, all he did was take my money and they foreclosed on the property and went to auction XX/XX/XXXX. It sold for {$180000.00}. As advertised it was to settle all liens to XXXX XXXX XXXX. Then I started getting calls from Shellpoint Loan Servicer, that I still owed on loan # 2 {$23000.00}. I contacted XXXX XXXX XXXX XXXX XXXX XXXX. in XXXX XXXX, AK. and said that the sale of the property satisfied the outstanding loans. But, the lean on the second loan was still in place and was showing non-payment on my credit score. Which is preventing me from getting a renovation loan on my property? XXXX XXXX recommended contacting the title company to clear this issue up and the title company said to contact your agency. So here I am. Youre my last door, please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
About a year ago or little long I received a personal loan from XXXX for {$1000.00} or {$1200.00}. I noticed couple months ago that on the XXXX web-sit was offering a loan, that I believed to be a loan for extra money, great with XXXX so near. There was n't any extra money, but a refinance. I have never been late on this loan or have missed payments. Up until this time did n't I have reason to mistrust XXXX and their practices. I would find out quickly that this was n't the case. I spoke to two employees and I stated that the contract said I could cancel the loan and return to my old, they were no help at all, they told me it could n't be done, with no information given. The first loan would be paid off in XXXX, which is drawing near and the second loan would pay off XXXX. The first loans payment was {$130.00}. and second is {$100.00}. a difference of {$.00}. The first loan had a balance of {$1200.00}. The second loan total {$3700.00}, which is difference of {$2500.00} why on earth would I agree to pay a {$2500.00} extra to get a break of a whole {$33.00} dollars month. 

I would like to return to loan amount with a lower interest rate. Had to copy/paste to get it download.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRIDENT MORTGAGE COMPANY, LP
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My issue is that I have been given conflicting information regarding my PMI ratio. My loan officer, XXXX XXXX, at Trident Mortgage Company, has stated my loan is XX/XX/XXXX percent. However, my new loan servicer ( XXXX XXXX ) keeps sending repeated letters stating that my PMI ratio is XX/XX/XXXX percent. 
I have made repeated calls of contact to the originator of my loan, Trident Mortgage Company, based in XXXX XXXX XXXX, to no avail. Although I have been told that the loan is for XX/XX/XXXX percent, I have not received responses from them when I attempt to speak with them. 

Differently, is when I call XXXX XXXX, the new servicer for this loan. They tell me that the loan is XX/XX/XXXX percent, but they do not know why. I have made repeated attempts to speak with them only to speak to various people in various departments and no one is able to provide me answers to my questions.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Onor aroundXXXX I was applying for an apartment and discovered a few unknown accounts and inquiries on all3 credit reports ( TRANS UNION, XXXX XXXX ) these are all fraudulent accounts XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX AUTOALLOFTHESE ARE FRAUDULENT. I have addresses showing on my credit XXXX XXXX XXXX XXXX, XXXX, OHXXXX.

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 2021-02-25
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account with XXXX XXXX XXXX XXXX was closed on XXXX XX/XX/XXXX. XXXX XXXX XXXX continued to bill me for service for 4 more months. I contacted XXXX on numerous occasions disputing these charges. This account has been referred to over XXXX different collection agencies and my credit has been negatively affected. I have contacted all three credit bureaus and disputed this collection each time and each time this collection was removed. On XXXX XX/XX/XXXX this collection was once again placed in my credit report by I.C. System inc XXXX XXXX, Minnesota. In the state of XXXX XXXX the statue of limitations is 3 years for all collections. XXXX XXXX XXXX is in clear violation of state law.

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 2021-02-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I went to chase on XXXX XXXX in XXXX florida XXXX the ATM Jammed I bagged on the atm and then immediately went to branch to have the open the Atm the person branch was rushing and called in the claim. He never went to to the ATM and checked he never shut the ATM down. Even after I asked him. The bank put the credit back into the account on the next business day I though always good now today XX/XX/XXXX XXXX they reversed the claim stating they could not fine the money I called and asked for a manager and I wven told they need to look at the cameras at the ATM and the branch it only took me 1 min to park my car and go into the branch. The bank now is accused me because I am.XXXX single mother of stealing??? When the branch employee who is XXXX  failed to do his job. And shut the ATM down He admitted to this ATM also getting XXXX. And said it no big deal but now I am out XXXX because of them failing to do there jobs both in the branch and back office. I feel o was radically profiled and will bring this full force against the branch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-26
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I opened up dispute with credit bureaus last month in XXXX regarding this alleged debt, ,and I was sent a letter with no documentation stating that they have the legal right to come after me for debt. There is no proof I owe this alleged debt and and just a regular computer generated statement is not proof i owe debt. I want this account removed before I take legal action with my Consumer attorney XXXX XXXX, XXXX in XXXX, Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Receivables Performance Management, LLC
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:
On XX/XX/2022 XXXX XXXX reported on my credit report for the amount of {$2300.00}. I have contacted and sent letter multiple times to the creditor that this account is not mines and is a fraudulent opened account. The creditor refuses to remove the information from my credit report. I have exhausted all I can do at this point with proving this account is not mines and was never mines. Please have this creditor remove this fraudulent account as it is hurting my credit. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Experian Information Solutions Inc.
State: NC
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:
Reference : XXXX XXXX XXXX - XXXX XX/XX/XXXX Experian 's National Consumer Assistance Center XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam ; In reference to the account above I would like to bring to your attention an issue which I have been unable to resolve directly with Experian or XXXX XXXX so I am writing to you to have this item removed. In XX/XX/XXXX XXXX was reporting a payment status of discharged through bankruptcy and the balance of XXXX. This has been reported since XX/XX/XXXX. On XX/XX/XXXX this changed from discharged in bankruptcy to a balance of {$20000.00} which is incorrect, as it was discharged in bankruptcy per the XX/XX/XXXX report. Apparently, there is some issue on either XXXX or Experians difference in reporting systems that cant get this resolved thru multiple letters, phone calls, ect, as such it should be removed as incorrect information. I previously provided bankruptcy schedules showing discharged, it is reporting as a {$20.00}, XXXX balance still open and not discharged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
A student loan with XXXX was closed XX/XX/XXXX. The last payment on this loan was XX/XX/XXXX. This loan was granted a forbearance, XX/XX/XXXX, for 13 months, until XX/XX/XXXX. However, XXXX closed the account XX/XX/XXXX, with any reason. They have been unwilling to provided documentation after I requested it. They never stated why the account was closed while the loan was in forebearance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have been trying to work on my credit and I have not received any mail from Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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:
I did not authorize them and they are causing me great concern.

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 2021-02-25
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I have made a dispute with each bureau and it has been more than 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Titan Receivables, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whether it's a collection? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
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: Their investigation did not fix an error on your report

Complaint:
I contacted Equifax to remove XXXX from my credit report I sent over the letter from XXXX to have account deleted. Equifax never removed the account I request by fax XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no results

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18
Company: Navient Solutions, LLC.
State: OR
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:
I have student loans serviced by Navient ( navient.com ).

I like to pay my student loans several months ahead. As of XX/XX/XXXX, I had paid them up to XX/XX/2020. That is, Next payment due date, XX/XX/2020.

Then the CARES Act was applied, whose intent was to provide a pause period, give borrowers more time to pay.

So what did Navient do? 

Navient TOOK AWAY two ( 2 ) months of payments I had already made by setting the next-payment due date TWO MONTHS EARLIER, from XX/XX/2020 to XX/XX/2020! 

Their reasoning was : All loans go into Covid forbearance Covid forbearance ends XX/XX/2020 Therefore all loan have a due date for next payment of XX/XX/2020 XXXX. 

Specifically, Navient 's statement was : "... Because the deferment ended on XX/XX/2020, your extra XX/XX/2020, payments were no longer applied toward future payments due. '' Is that even legal? 

If a borrower has made payments to XX/XX/2020, there is no way Navient should be allowed to move the next payment due date backwards, to XX/XX/2020. 

Navient must have done this to thousands of borrowers who paid their loans ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, 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:
I recently received my credit report and found an account from XXXX XXXX that is not mine. I do not use XXXX for any service and I never have. This account is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Experian Information Solutions Inc.
State: WA
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:
I mailed in a XXXX XXXX XXXX Request Form to all 3 credit bureaus but received no response. I set up an account online with Experian and made 4 attempts to get a free credit report but they insist on charging me ; and their phone is automated with no helpful option that goes back to where it was before. I tried to get a free credit report from all 3 credit reporting agencies online but they refused.

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