BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-06
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have had problems with these loans from the start. They started off as XXXX XXXX loans that were as much as a Mortgage costing me over XXXX A month. I tried to get them lowered then and all they said was there was nothing they could do and I had to pay it. When XXXX XXXX got in trouble my loans were switched over to Navient. Although they are less they are still over XXXX a month. I was mislead when I initially got the loans on how much the full payments would be when I XXXX or I would have never gotten them. I still have other private loans and federal loans that I pay on top of this. Those lenders have been cooperative. I am in XXXX XXXX XXXX XXXX ( I am paying the XXXX out of pocket at this point ) trying to get my XXXX XXXX so I can get a career but these bills make it difficult. I was working XXXX jobs and XXXX XXXX XXXX XXXX XXXX recently. I called my lenders to get some help because I ca n't pay them off with just my XXXX XXXX XXXX and Navient is the only one that refused to help. XXXX there was nothing they could do. They did reduce the XXXX loan that is In my mother 's name a little but XXXX of the conditions was that it had to come out electronically and I do n't have the money in my account. Now my bank account will be affected. I have paid what i can but got so far behind they are now showing a XXXX balance due which I guess means they are in forbearance or deferment or something. They keep calling my mother 's phone. She does n't answer because she knows all they will do is say I have n't been paying and ask her for money and she does n't have it either. All I wanted was some help until I found another XXXX XXXX and possibly until I XXXX to make it easier to save money for XXXX. I had great credit but now it is really being affected by this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
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:
In XXXX, I sent a letter to Equifax asking them to investigate mistakes on my credit report. Its been almost two months since I sent in my letter. I 've even sent follow-up letters to them, and they still have n't responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: IL
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 am distressed that Equifax has included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX, IL XXXX please delete it 2. This account resulted due to identity theft. 
XXXX XXXX Account XXXX : XXXX The listed item is a very serious error in reporting. Please delete this misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Northtown Capital Services Group LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received a phone call from a debt collector who Identified herself but not her company via voicemail. I returned the phone call and after stating I was the party that they were looking for the female who answered proceeded to tell me this was about a debt and asked why I stopped paying the debt. She did not identify who she was with or the name of the company that originally owned the debt until I asked about it. While this was not a violation of FDCPA, she did fail to give notice that is is an attempt to collect a debt and any information obtained will be used for that purpose. 

The primary reason for the complain is a violation of FDCPA section 809 subsection a ) notice of debt ; contents. 
" Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- " It has been 8 days since the initial communication and the collector has not sent notification. This is a clear violation of the FDCPA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX 2017, I wrote to all 3 credit bureaus asking them to update the status of my mortgage account with Wells Fargo. The house has been sold but it still reports as open and past due. It has not been updated since XXXX 2017 but there are " unpaid '' remarks for each month past that. I reached to WellsFargo I got no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I received contact from a fraudulent Wells Fargo contact that stated my online banking was hacked and there was a pending XXXX charge on XX/XX/21. I spoke with the representative and in order to recoup the funds in transit - I wired {$1000.00} to my own email address. Apparently this was a scam and the funds were sent to a hacker. 
I contacted Wells Fargo within 5 minutes of the call and reported the comlain. 
They stated the complaint is closed as the fraud was made via XXXX and they do not cover that platform. 
Under Regulation E this should be covered.

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 2021-05-17
Company: AMERISAVE MORTGAGE CORPORATION
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am refinancing my home mortgage with a new company, AmeriSave. We closed in the loan XX/XX/2021. The payout/disbursement date was due to be in XX/XX/2021. On XX/XX/XXXX, no disbursement was received. I inquired with the lender, the representative of the closing company XXXX stated they do not have any payoff information. I provided the information on XX/XX/XXXX. Later that week I was told they would need the payoff statement notarized. They sent someone to notarize the document. On XX/XX/XXXX and XXXX I inquired again and was told it was in process. Now it is Monday XX/XX/XXXX and neither I, the borrower who was expecting cash proceeds nor the lender have received any funds. It is 14 days post closing and 8 days after the payoff date. Thank you for your time in registering this complaint.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-02
Company: EQUIFAX, INC.
State: CO
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:
I am in the process of getting an FHA mortgage. My lender told me I needed to get the dispute comments removed per FHA requirements. I called XXXX and XXXX with no problem. Equifax first didn't answer the call several times. Finally when I got through, they had to verify my identity. I gave them my name, address, social security, credit file number ( I had pulled report online ), answered numerous questions about credit cards, student loans, mortgage payments etc and they just kept asking more and more questions and refused to verify my identity. All the answers were correct, but they just kept saying there was one more question I had to answer. When I questioned this and even after speaking to a supervisor, they agreed the policy was ridiculous, but got extremely rude and said they would not verify my identity. It seemed like once I protested all the questions that they became very rude and unwilling to assist. I explained this was for a mortgage and they said too bad. When I requested to speak to a manager she said she wouldn't give me a manager 's name and would have to see if they were able to talk to me. This call center was located in the XXXX. There seems to be no other option/way to work with them. I should not have to reveal all my personal info such as social and answer 20 questions in order to correct my credit report. Horrible customer service. Unwillingness to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: CT
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 has opened a fraudulent account issued in my name and there's is a balance of {$1800.00}. 
Experian reported this charge originally, which I did not recognize that is past due with a company I have never heard of XXXX. I immediately disputed the charch XX/XX/XXXX with Experian. 
I also sent the below email to XXXX XX/XX/XXXX and have attempted to call them to directly dispute without response. 
" I would like someone to contact me as soon as possible regarding a delinquent account that was opened on my name fraudulently and is erroneously now appearing on my Experian credit report. I do not have business with you and expect this to be rectified with immediate effect. '' This is not my account. It is a fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
We received a letter saying our XXXX XXXX card account has been inactive and warned us the account would be closed unless the card was used.I called and asked what was the minimum time before an account was inactive and was told 6 months. I used the card in XX/XX/XXXXThis is an outrageous policy because we don't shop often at XXXX and don't want to be threatened with using a credit card if we aren't needing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I reviewed my credit report and noticed an account from a creditor I have never done business nor authorized to report on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: Collection Associates, Ltd.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
1 ) On XX/XX/2022 my XXXX and XXXX credit ratings dropped XXXX points. 
2 ) I found out through XXXX XXXX that this happened because an ambulance company named " XXXX  XXXX XXXX '' reporteed an unpaid debt of {$2000.00}. 
3 ) I have XXXX XXXX XXXXurance through XXXX Georgia. 
4 ) I never received a bill or notice.

5 ) This went directly to collections. 
6 ) I can not locate " XXXX XXXXXXXX XXXX '' despite dozens of attempts. 
7 ) I have asked Collection Associates at ( XXXX ) XXXX - XXXX to for a letter promising to remove this debt from my Credit Report in exchange for my insurance information. 
8 ) Collection Associates refuses to provide : A ) Address or phone # of " XXXX XXXXXXXX XXXX. '' B ) XXXX debt will be removed once paid. 
9 ) I want to resolve this, but want my credit rating restored.

10 ) I have confidence the CFPB can resolve this.

11 ) Don't let me down. 
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This is a complaint against Citibank for grand larceny happened to my checking/checking plus account XXXX OnXX/XX/XXXXwas falsely enrolled with XXXX by compromising my profile- phone # and e-mail address. 
On XX/XX/XXXX and XX/XX/XXXX six transfers total {$4200.00} has been made to recipient XXXX XXXX at XXXX XXXX XXXX and to cover overdraft additional {$3700.00} has been transferred from checking plus to checking account On XX/XX/XXXX I found scam and called Citibank at XXXX and case XXXX was opened The same day on online message center I found info about all above mentioned actions. Message dated XX/XX/XXXX - date of first fraud - tells that Citibank " ... identified possible fraud ... have placed account in restricted status ... prohibiting from completing transactions on Citibank online ... until we speak with you. '' The fact is that nothing has been done -account wasn't blocked and no call or any kind of mail sent to me. 
Instead of real investigation on XX/XX/XXXX Fraud Department posted on line message that " ... we have concluded that the transfers must be considered authorized and as a result we ///unable to process a refund to your account. '' On XX/XX/XXXX police report was issued and subpoena sent to Citibank. Next day I called Citibank and requested extended investigation but I didn't get reference number. On XX/XX/XXXX after five months of waiting I called Department of Identity Theft at XXXX. The last agent I spoke with during 50 minutes call asked me to wait while he will take a look at this case but soon after that line was disconnected. 
Now I ask your help in real investigation as beside loss on checking account I pay off credit with interest for which I didn't apply and finally my losses would be around {$10000.00}. All talks with Citibank were done by my husband XXXX XXXX phone ( XXXX ) XXXX, whom I authorized to represent me as my spoken XXXX is weak.. All Citibank messages between XX/XX/XXXX and XX/XX/XXXX are at my disposition and may be provided to you.. 
With regard, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2021-04-13
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Regarding Freedom Mortgage loan : Old loan Acct number : XXXX and New loan Acct number : XXXX. I applied for refinancing of mortgage loan with the same company, Freedom Mortgage. Signed closing documents on XX/XX/XXXX. 

After multiple phone calls and emails to various departments, I was not able get answers and resolution to these issues. Issues of contentions are as follows : 1. I was not provided with an Payoff Statement and breakdown of charges at the time of closing. 
2. Payoff Statement that was provided at a later date had a different net dollar amount than what was stated in the XXXX Settlement Statement. 
Payoff Total Net : {$400000.00} ( Exhibit B ) XXXX Statement Payoff Net : XXXX ( Exhibit C ) Difference of : {$48.00} overpayment. 
3. Looking at the Payoff Statement provided ( Exhibit B ) -there were extra charges made on interest and late payment fee. 
Since we closed XX/XX/XXXX : I should only be charged with interest for XX/XX/XXXX to XX/XX/XXXX in the amount of {$1400.00} ( See Exhibit A ). However, I was charged {$2400.00}. There was an overpayment on interest in the amount of : {$1000.00} Furthermore, I was charged with a late payment fee of {$100.00} but no document was provided to me by Freedom Mortgage why I was charged with late payment. 
4. Lastly, I have sent my XXXX payment in the amount, {$2900.00} to my old account and it was received by Freedom mortgage XX/XX/XXXX. However, Freedom Mortgage returned it to me after two weeks but {$78.00} less than what I have paid. Since all XXXX charges have been added to the Payoff note, I should have been refunded the full amount of my XXXX payment. 

This is time-sensitive since Freedom Mortgage has sold my mortgage loan to XXXX XXXX. I would like these issues resolve before the sale transfer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received an alert from XXXX that my credit score dropped 19 points, from XXXX to XXXX, when I looked at my report I find that Marcus has reported the wrong balance to XXXX, they reported {$1300.00} when in fact my current balance on XXXX was {$370.00}, this increased my credit utilization by 5 % and thus lowered my score. When I called customer service they claim that Goldman/Marcus is not yet reporting anything to the credit agencies but my report clearly shows its Goldman and XXXX is marked paid on XXXX which is accurate. 

GOLDMAN SACHS AND CO Link card name Exceptional payment history {$1300.00} Balance updated XXXX XXXXXXXX XXXX XXXX looks like they reported the wrong year

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Nelnet, Inc.
State: FL
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 submitted for my annual recertifiction well before it was due to Nelnet. I have a third party that checks on the status of my account and they indicated that the application was received and currently in process. It was n't until the application was almost expired that I received a notice requesting additional income documentation. When I originally submitted my income driven repayment plan recertification I had not filed my XXXX return as I had filed an extension so I submitted the application with my XXXX return as the application indicates. Nelnet took so long to process my application that I fell out my income driven payment and into the standard payment although it was submitted 2 months in advance on XX/XX/XXXX. I did not file my tax returns for XXXX until XX/XX/XXXX. No Nelnet is  requesting that I submit a whole new application because it is too old although it is their fault that it has taken so long. I submitted my XXXX return as soon as I had it and they are making me wait an additional month to process and forcing me to submit another application since I am no longer in my program because of THEIR slow processing. If they would have told me initially to send them a copy of my extension I would have, but the DID N'T tell me ANYTHING until it was too late. They have just been wasting my time and now are putting me in a financial burden for THEIR error. Instead of trying to process my application quickly they have been stalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
Wells Fargo is reporting a debt on my credit file that I no longer owe. I recently looked at my credit and noticed this debt reporting for {$1400.00}. I called and immediately settled this debt. I was under the impression that I had paid this account and closed it. However, recently looking at my account I noticed that there was a debt, I was never notified, given any calls or letters. This violates my 30 day right to dispute and is a violation under the FCRA.

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 2022-04-05
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I have leased car with option to buy. At the end of the lease I contacted Audi Financial Services to inform them that I want to buy car out at the end of the lease. Usually you pay balance. Company send you title and then you register car at motor vehicle department where you pay sales tax on a balance of the payment. Audi Financial Services told me that now I have to go through the dealership where I leased my vehicle from ( Audi of XXXX XXXX ). That would be ok with me if Audi dealership would not charge me a variate of additional fees which adds up to {$1800.00}. This is highway rubbery. This is not first time I buy a car after lease, but I have never paid anything but balance amount on my lease. If Audi Financial Services outsource this buyout to dealership they have to compensate it not from my pocket but from theirs. There is nothing in my contract I have to pay from my pocket except balance which is indicated in my contract. 
Please help me and other customers to avoid blunt violation of our contract with Audi Financial.

Company response to consumer: Closed with explanation