BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-31
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I began attending XXXX XXXX university in XXXX WV in XX/XX/XXXX part time on and off ( depending on work ) working towards my degree in XXXX XXXX XXXX In XX/XX/XXXX due to my spouse and his substance abuse I no longer could attend college because I had to support my newborn  and take a full time job after separating from my husband. My student loans were always advised to be to be placed in deferment or forbearance. With very little income and supporting a child this continued for years. In XX/XX/XXXX a coworker gave me information about income driven repayment plans for student loans. This information was NEVER suggested to me. The information on IDR showed after 20 years of making income based payments the remainder of the balance would be forgiven. For 13 years my loans sat and accumulated interest. In XX/XX/XXXX I went back to XXXX   school and am now a XXXX  I then worked full time so my Second Husband could go to school, he graduated with his XXXX degree. We have XXXX children but making my student loan payment ya is impossible. My original balance of loan debt was approximately {$27000.00}. To date my loan balance with interest is {$100000.00}. With an expected payment of {$2000.00} a month. I owe for my student loans and In no way feel that I should not have to pay this debt back. However I do feel with proof of my W2s from the years XX/XX/XXXX to XX/XX/XXXX I  can show my income was low and I should have been advised to do income based payments and would be well over half way to having my debt paid off in regards to after 20 years the debt is removed. I want to pay what I am in debt to but also would like reconsideration on the interest that makes repayment impossible. I have emailed Navient multiple times with absolutely no response. Phone reps can not offer any help. Any help with this matter would be greatly appreciated. Thank you for your time. 
XXXX XXXX XXXX XXXX  XXXX , WV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: EQUIFAX, INC.
State: NJ
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/2018 I checked my XXXX XXXX score and was SHOCKED to see that in about 10 days, my score had dropped by almost 30 points. They also noted a hard inquiry from XXXX XXXX  ( Credit Cards/Airlines ) that was applied for or posted on XX/XX/18. 
I never applied for a credit card or had an inquiry run and this is fraudulent. 
I called Equifax on XX/XX/18 to be told that they saw no such inquiry on my report. 
I can not even get through to XXXX. 
I called XXXX XXXX  and was advised that they have no record of anything and I was given the runaround to call the credit bureaus. When I call the credit bureaus I am told to call XXXX. 

Can you please help me? I asked for no inquiries and have not applied for anything. 

I look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
As times are bad financially, I have been a bit behind on the monthly payments. Of course here come the {$38.00} late fees. I have called and wrote the company -- -Capitol One -- to ask for am easier monthly pay plan till my financies improve, but was denied. I did request the late fees -- 3 and counting -- be waved during this and was of course denied. Yes, the company does have this right but that does not mean they HAVE too. All payments not their minimum will be given late charges. Pure..FREE.. money for this company. What can be done???

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
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:
FIRST XXXX XXXX WAS DELETED OFF MY REPORT AND NOW MY REPORT WITH EQUIFAX HAS BEEN WIPED CLEAN AND PREV NEGATIVE HAS BEEN ADDED BACK. THE Fair Credit Reporting Act requires that the credit bureau inform you before they re-report a previously deleted listing in which hasnt been done and now requires a break of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 at XXXX pm I got a call from my bank BOA. They told me that they had detected some suspicious transactions and they were just making sure it wasn't fraud. I explained to them that I was at work and that I hadn't made any transfers or transactions. They told me they would take care of everything and not to worry. I have proof of this phone call on my phone records. At XXXX the first transfer was made via XXXX and at XXXX the second transfer was made. I did get confirmations on the transfers but I was working and I assumed this was what she was speaking to me about. Apparently, they were already in my account when I was speaking to the fraud representative and she didn't notice. They had emailed me asking me if I signed on to my online ID because they detected that there was a sign on from an unknown device. I didn't read the emails because I was at work and I work at a restaurant. I'm not even allowed to have my phone on me. Well even though all this happened they decided to deny my claim stating that I was the one that made these transfers. The recipients name were XXXX and XXXX. Yes not even an actual name. This is unbelievable. They warn me of the fraud then fail to protect my account and then say I did it. Now they don't want to give me my money back. I need some help please.

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 2018-09-04
Company: Med-1 Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent the attorney the three letters from him reflecting three different dates of service and the amounts. I wrote him on XX/XX/2018 asking for proof of the debt. I received another notice of debt today and no response to my letter. I believe he is misrepresenting himself. I can't imagine a hospital turning over a debt of {$7.00} to an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX I received a wire transfer from a friend from his Wells Fargo account to my wells Fargo account. Shortly after this transfer I was locked out of access to all 3 of my Wells Fargo accounts. I called and spoke to two different people in the fraud department and after 30 min was told I would not have access to my accounts for 10 days. I expressed my outrage at this since it meant that I don't have access to any of the funds in any of my accounts for 10 days. I called my friend that sent the wire and he contacted his Wells Fargo banker who said this sounded wrong and he would fix it immediately. It has not been fixed and I still do not have access to my ( the funds that were in my account before the transfer or the funds in the transfer ) money or my accounts. The fact that a bank can arbitrarily stop me from having access to funds that are legally and properly available to me is unacceptable and I hope regulated by some 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 2021-04-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
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:
I am a XXXX XXXX who became injured after serving on XXXX deployments with the United States XXXX. Unfortunately, I had to receive XXXX on a military related XXXX in XX/XX/XXXX, that caused me to remain out of work up right before XXXX. I am thankful that PennyMac placed me on an unemployment forbearance plan that ended in the middle of XXXX in XX/XX/XXXX. However, I was affected at work by an hour decrease from XXXX hours to about XXXX XXXXours per week around XX/XX/XXXX. I informed PennyMac of the reduction in hours, and was offered two options : pay the lump sum owed from the unemployment forbearance plan or enter into a repayment plan. I chose the latter option while I was still struggling because I was not made aware of a COVID forbearance plan after informing PennyMac of my COVID-related financial issues. Moving forward, I made all six of the repayment plan payments on time and was still reported late for three of the six payments. I have been pursuing PennyMac with numerous requests and phone calls to remove these late payments initially in XX/XX/XXXX and consistently since XX/XX/XXXX. I informed the company that is the only obstacle that is keeping my family and I from closing on a home. If PennyMac does not remove these payments, we will be another homeless family on XXXX XXXX. I tried to reach out to several supervisors, but the agent ( XXXX ) on the phone either hangs up on me or asks " why do I need to talk to a supervisor when I will get the same answer? '' I even reached out to the President, XXXX XXXX on XX/XX/XXXX. 

I have attached the four months of statements between XXXX and XXXX. In the months that I was reported late, the statement reflects a lump sum owed even though I was on the repayment plan and the payment was already made. The XXXX payment due XXXX XXXX statement ) reflects the repayment plan notice on the statement and shows the correct amount due. Therefore, I was not reported late for XXXX. Yet, I was reported late for XXXX, XXXX and XXXX XXXX skipping XXXX XXXX. How is this possible when all payments were made on time. Even without the CARES ACT in place to protect consumers on a COVID forbearance plan, this is clearly an error on Pennymac 's part. Even so, as a XXXX XXXX who fought for this country, PennyMac should not give me a hard time with removing these three lates considering the circumstances of being XXXX while experiencing the hardship of COVID alongside everyone else. My family is in dire need.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: Commonwealth Financial Systems, Inc.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX fcra violations remove it : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 been getting alerts about hard inquires from someone checking my credit report. I have not recently applied for any type of loans and should not have any hard inquires, Please have these removed. I am a re-occurring victim of identify theft. Please update my report and correct this. 

XXXX XXXX XXXX XXXX -XXXX  XXXX XX/XX/2018, XX/XX/2018 -XXXX XXXX XX/XX/2018, XX/XX/2018, XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018, XX/XX/2018 -XXXX XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XX/XX/2018 -XXXX XXXX XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018 Transunion XXXX XXXX XXXX XX/XX/2018, XX/XX/2018 XXXX   XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 -XXXX XXXX XX/XX/2018, XX/XX/2018 -XXXX XX/XX/2018

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 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Transuion claim they issue refund for the below complaint, the lied again. No refund has been received as of XXXX. Transunion for months was billing me for a service they had blocked me from about 2 years ago. After filling a complaint with cfpb the finaly coincided and canceled service and was suspose to refund my prior billing charges. Its XX/XX/XXXX, no refund has been received from Transunion at current date. In previous complaint they sent the following reply below. Transunion, We have reviewed your complaint along with the information you previously provided regarding this issue. According to our records, on XX/XX/XXXX you enrolled into a service provided by TransUnion. With this service, you were billed {$14.00} per month from XX/XX/XXXX through XX/XX/XXXX. Per your request, we have cancelled the auto-renewal of the service. As you have already been billed for this month, the service will still be accessible until XX/XX/XXXX. We regret any misunderstanding that may have occurred. We have issued you a courtesy refund in the amount of {$290.00} back to your credit card for charges incurred from XX/XX/XXXX through 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 2021-04-23
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX PLEASE REFER TO THIS COMPLAINT FILED XXXX. 

TD Bank had given me provisional credit for unauthorized ATM charges {$260.00}, but hen reversed it on XX/XX/XXXX, XXXX i had filed a police complaint about the hacked bank account but TDbank has refused to help me. Even thought the proof of purchase given by merchant XXXX shows someone in XXXX has hacked my account. 
Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-16
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Since the XXXX email dated on XX/XX/XXXX item # XXXX, I have received harassing emails titled DEMAND FOR PAYMENT in red letters. 
That states : Dear XXXX XXXX, This demand is from the office of ACE Cash Express. On or about XX/XX/XXXX you cashed the check identified below at our place of business. However, upon the checks deposit and presentment, the XXXX XXXX refused to honor payment. 
XXXX : UT XXXX XXXX XXXX Check No : XXXX Check Date : XXXX/XXXX/XXXX Payee : XXXX XXXX Check Amount : XXXX Reason Dishonored : SP Returned Check Fee : XXXX Total Amount Due : XXXX Since we have been unable to reach you, we request that you contact us immediately at XXXX to resolve this matter. 
Sincerely, Ace Cash Express On the same day and within minutes, I returned an immediate email that stated. 
I will take LEGAL ACTION against ACE Cash Express. You are contacting the WRONG PERSON! I have NEVER entered an ACE Cash Express facility in XXXX. I dont have to use your facility to cash a check ( my checks are direct deposited ) and ( I dont work and never worked for the Maker/Drawer listed in the email ). 
Again, ACE Cash Express has contacted the wrong person and it is demanded that you Cease and Desist! 

After my response, I have continued to receive harassing emails on XX/XX/XXXX, XXXX, and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX has received our authorization multiple times. Today, XX/XX/18, XXXX  is refusing to speak to us, claiming there is litigation on the file. There is NO litigation on the file. There is an executor, and the executor wants to do a short sale. 


THIS IS NOT ACCEPTABLE. 

CC : XXXX XXXX, California Attorney General

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 2019-02-17
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We were asked to send a wire transfer to pay some freight charges. We made the transaction at the bank. About one hour later we received a call from the bank stating the transaction had the characteristics of a fraudulent one.I asked the officer from the bank to cancel it. He told me it will cost {$20.00} and we respond to go ahead and cancel it. This transaction was for {$10000.00}. It was made on XX/XX/2018.We filed a claim but they just gave us a brochure with recommendations to made if we thought we were a fraud victim.

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 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 contacted the bureaus to dispute some negative accounts that happened to be reported on my credit report. As it turned our, we dispute the accounts on XX/XX/2020. It has been more 45 day, and I have yet to receive anything in the mail. Please note that, according to section XXXX of the FCRA, the bureaus are required to investigate, process, and respond to my inquiry. I am in the process of obtaining financing, but due to some of these inaccurate accounts, I haven't been unable to do so.

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 2021-04-23
Company: BARCLAYS BANK DELAWARE
State: NC
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 have an XXXX XXXX XXXX XXXX XXXX that is offered by Barclays US. There is a {$99.00} annual fee that has been presented to me in writing as a fee that supports Barclays ability to offer the benefits the card provides. Those benefits are clearly published in Barclays ' marketing materials and almost all of them involve air travel ; therefore the cardholder 's ability to utilize said benefits is predicated on the ability to travel. Due to the Covid-19 pandemic air travel was not feasible over the last year and other banks that provide airline credit cards either waived or reduced the annual fee. A good example of this is XXXX XXXX other credit card partner, XXXX, which did reduce the annual fee. Barclays has refused to do so and thus is collecting a fee for a benefit it knows can not be exploited. This feels fraudulent at best.

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 2019-02-17
Company: Early Warning Services, LLC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2019 there was an unauthorized payment sent on the XXXX app. I didnt authorize the payment. When i called to cancel the transaction they said they could not help me. They said to call my financial institution to see if they can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Frost-Arnett Company
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is currently trying to fine me {$6000.00} for 2020 summer hospital charges. 

I have 2 issues. 

# 1 : I do not think they are billing my insurance correctly/ethically # 2 : I do not think I should have received additional care at XXXX XXXX. I was originally discharged at XXXX of XXXX XXXX but due to certain circumstances, they forced me to get further treatment at XXXX XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage has transferred from XXXX to PHH Mortgage servicing and they have not recorded my XXXX payment. I tried working this out with both companies and neither of them are understanding and/or resolving the issue. I attempted to make XXXX pmt on XX/XX/2021 before my loan transferred to the new servicer ( PHH ). My bank returned the payment because they froze my account pending updated info required per the patriot act. I thought I had this resolved when I visited a branch, however, they missed additional info regarding my daughter who is on my account & put my account on freeze. I tried to explain this to XXXX prior to transferring the loan to let them know. They did not listen or care. The loan got transferred and the new company is trying to charge me for XXXX because of the returned payment which was supposed to be an XXXX payment. They are not giving me credit for my XXXX payment which I made on XXXX XXXX. 
I need this resolved asap to avoid derogatory info on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: SYNCHRONY FINANCIAL
State: MN
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:
I have requested from XXXX XXXX XXXX XXXX paperwork for what is being reported, seems excessive amount of lates have been reported. It doesn't seem consistent information is being reported. Even after requesting investigations nothing was done.

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