BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-29
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In 2009, i went to school for XXXX XXXX  and finished school. The problem is that the financial side of the institute gave out loans that were compiled daily in the Federal side of Government. I signed a loan for {$20000.00} with a co-signer and the interest daily was 3 % & now 9 %. 
The woman I spoke to told me that my payments were to be {$350.00} a month and & I made those payments for 2 years & the loan with the interest would go down, but only kept climbing instead of decreasing. My loan now is over 70,000 approximately. It has now gone to collections with a company Navient has chosen. I have no Idea how to climb out of this one. I only make {$12.00} an hour and am trying to live at the same time. This is a loan that Navient should have never had in their company. It has only done harm then good.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Experian Information Solutions Inc.
State: OK
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:
My spouse and I filed a chapter XXXX bankruptcy in XX/XX/XXXX which did NOT include our home mortgage to XXXX XXXX. Since that time, we have made several complaints to have them repair our credit reports regarding how they have reported our mortgage. The account is current and we have NEVER had a late payment. They have fixed all of the credit reports for my husband ONLY. The following is how they are reporting to the three credit reporting agencies for myself ( we are joint owners of the loan, so they should be exactly the same ). 
XXXX shows me with zero open mortgage loans. 
XXXX shows me with zero open mortgage loans. 
Experian shows me with XXXX XXXX XXXX XXXX   closed, included in a chapter XXXX bankruptcy and a failure to pay in XX/XX/XXXX. 
I received a letter from XXXX XXXX dated XX/XX/XXXX with the following statements : " We've determined the account was handled properly and no corrections are needed as no error has occurred. '' " We've determined that we provided accurate information to the consumer reporting agencies and will not be making any adjustments ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26
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:
an inquiry was added to my account and I didn't apply for a credit report XX/XX/2019 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 2019-08-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I think someone tried to use my information to purchase credit cards. And Im not the person that applied for it. I would like to have all inquiries that i didnt put on my credit report deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 noticed several hard credit inquires on my TransUnion credit report. None of them were appearing on the reports from the other credit reporting agencies ( XXXX and XXXX ). I called TransUnion to dispute this and have these removed. I said that I suspected that they might be related to a recent system glitch TransUnion made by removing, then reinserting inquiries back into consumers credit reports ( from what I understand can only be done in a very specific way that requires notification to the consumer ). Nevertheless, the customer service representative was not willing to help me.

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 2021-02-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I want to know why am I not able to open up a Wells Fargo checking 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 explanation
Consumer complaint received 2017-12-08
Company: Navient Solutions, LLC.
State: LA
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:
Navient has failed to withdraw money from my bank account even though all my loans are set up for auto payment. Two consecutive months I had issues with loan on XXXX XXXX I had to make a manual payment because out of the blue the account showed past due even though my due date is the XXXX of every month, for some reason since they could not explain why the payment was never applied to loan even though my other loans had been paid that month, as it turned I ended up paying double as it turn out the payment was in fact applied just took forever to be reflected this happened in the month of XXXX XXXX as well as XXXX. This month XXXX no Auto Payment was made even though it was set up to be, I called and spoke to a customer representative who told me that they have this problem and receive complaint calls every day about auto debit not working properly and yet they chose not to do anything, I wanted to speak to a manager to get the issue resolve and I was never able to. As a result of their negligence my account was past due ( 1 day ) and had to make the payment manually. This type of errors are stressful and can be potentially detrimental to my credit score. If I have Auto debit set up for every month why do I have to worry and double check every day that it is being done? why do I have to risk my account being past due when I 'm doing part and I 'm setting up my payments. I also have had issues with extra payments not being applied to the loans that I have specifically instructed to be applied to. Auto debit as well as extra payment are a big issue, issues that are damaging to my credit score as well as my personal finance. And the worst part of all of this is that there are no solutions offer and the mistakes keep happening month after month, not only is it stressful to repay for student loans but to that I also have to add the stress of checking my account every day to ensure Navient is doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: U.S. BANCORP
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 we deposited ( via ATM ) two checks, each in the amount of {$15000.00}, for a total of {$30000.00}. 

This is typically more than our normal deposits, but we deposit around {$7000.00} or more each month, so it was not extremely out of the ordinary. 

We have had accounts with US Bank for more than 5 years, and have never overdrawn any of our 6 checking or savings accounts. 

A few days later, both checks showed as " posted '', but neither were included in our available balance. My husband called the bank and they explained there was a hold on the checks and that the funds would be available on XX/XX/2019. 

Today is XX/XX/2019 and the funds are still not available. Upon doing some additional research, I learned more about Reg CC ( a regulation I was already somewhat familiar with from my schooling ). 

It is my understanding that within 1 business day {$200.00} should have been made available, and within 3 business days another {$4800.00} should have been made available, and within 7 ( today ), the rest should have been made available. As previously mentioned, we have never overdrawn, nor are we new customers.

To date, 7 business days after the deposit, no amount of the funds have been made available and upon a call to the bank, they stated it is a " processing '' issue and were unable to provide any further explanation or information and said the funds should be available tomorrow.

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 2018-02-08
Company: Kinum, Inc., Indianapolis, IN Branch
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have continued to request for validation and verification of the alleged debt but to know avail. I received a called yesterday from XXXX, and XXXX, XXXX ( XXXX ) XXXX, called me a XXXX and a XXXX XXXX on the phone. I hereby request that you investigate this company. The debt is not mind and i have never received any notice from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Experian Information Solutions Inc.
State: CA
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 had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine so please DELETE those accounts and the home addresses listed. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT REGARDING THE BELOW ACCOUNTS TO DELETE. 

I found several accounts where there are late payment history being reported which were never late, please AMEND those accounts listed.

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: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is an account on my credit report for XXXX XXXX XXXX with account number XXXX that I sent a dispute to Experian to provide a full payment history because I believe the statute of limitations has expired. What they responded with was only history back from XXXX and the account was showing opened XX/XX/XXXX where are the remaining months, years etc?

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 2019-01-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2021-08-21
Company: Profit Services Group
State: GA
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 out a certified debt validation letter to Profit Services Group collection agency at address listed on my credit report. 30 days after sending out the letters it was returned to me as unclaimed and the post office did not have a forwarding address.

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 2020-06-26
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I initially understood the company would be freezing interest and minimum payments due to the Covid 19 pandemic. I have lost more than 50 % of my income due to the virus circumstances. Later I was informed that interest was still accruing. I do not see any help at all from this, in fact they are actually making more profit off me than normal because of Covid 19.

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 2020-05-08
Company: EQUIFAX, INC.
State: CA
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 discovered an account that does not belong to me from a company called XXXX XXXX. I was made aware of it today XX/XX/20 when I was rejected from renting an apartment that I applied for due to this account being in negative standing. This account does not belong to me and I did not allow anyone to open this account on my behalf using my personal information such as my name, social security number or address. I did not benefit anything form this account and I did not make any payments to this account. I am not affiliated with this company whatsoever nor do I have any formal contract or agreement with them. I have filed a complaint with the Consumer Financial Protection Bureau as well as a police report regarding this unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
I the consumer was affected by XXXX and had some financial hardship and had a late payment placed on my consumer reports by CAPITAL ONE in XX/XX/XXXX. Because of the uncertainty of the given pandemic which caused me to be unempolyed I removed all of my credit cards and other accounts off of auto draft to be able to remain stable during the pandemic. I called each company including CAPITAL ONE to ask for an extension on the payments. After receiving an alert from XXXX XXXX stating that I had a missed payment I immediately call CAPITAL ONE to correct the issue. After speaking with the representative they said that I called in a day after the payment was actually due which made me 30 days late. I explained the situation to CAPITAL ONE and told them that I thought I called in on time and if they would please update the information. They stated that they could not because it was technically late. I then explained that I have never been late on any payment with them in 6 years since I had my account started in XXXX. They said I had to 1st bring the account current then they could " potentially '' remove the late payment. I paid them immediately that day even though I was in a financial hardship to keep my payment history in tact. After making the payment and waiting 30 days nothing changed. This is highly unreasonable considering I was affected by the pandemic financially and I explained to them what happened and how I thought I called in time along with me making a payment that day even though I really could not afford to and in 6 years of no late payments ever they refused to update this information on my credit reports. I have reached out several times over the last 11 months in an attempt to clear this matter up along with writing them a letter asking for them to remove the late payment in goodwill due to my perfect payment history with them for the last 6 years. I'm coming to the cfpb because I need help and I know that due to covid-19 that there has been exceptions and grace extended to those who were impacted by covid-19 and encountered financial hardship. Please help me resolve this issue as it is impacting my reputation, character and credit standing. I have attached a copy of the goodwill letter that was sent in to CAPITAL ONE headquarters on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked Portfolio to validate the debt. The only THING they have sent me was some credit card statements that I do not reconize. Sending bank statements is not Validating debt. this is my last attempt to have this account removed off ALL my credit reports or I will be contacting my states State Attorney General

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I strongly disagree with the PayPal 's abrupt decision to permanently limit my account. The reason to close my account due to security issues is very obscure and is quite contrary to the way that I operate my business. All the transactions/orders have been fulfilled and shipped to the customers. Over the last 6 months of operation, I had zero disputes on my account. Furthermore, I have provided PayPal the suppliers invoices as requested, revealing my personal information and my supplier, and that significantly concerns me and especially my supplier as a breach of privacy. 

I have submitted a letter of appeal to PayPal but I have no received any response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: Experian Information Solutions Inc.
State: CA
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:
Experian and XXXX both report an " XXXX XXXX XXXX Score '' ( Code 08 ) that is IMPOSSIBLE TO KNOW IN ADVANCE, and there is NO WAY to " improve it '', when there are ZERO ADVERSE ITEMS in both the " Experian '' AND the " XXXX '' report! 

This score appears to be COMPLETELY DIFFERENT from XXXX XXXX " overall '' credit score that gets given to this consumer via his bank on a WEEKLY BASIS!

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 2017-12-06
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are multiple credit inquiries that I did not authorize on my credit report by the creditors. I sent letters to the credit card companies as well as the credit bureaus on XXXX XXXX, XXXX XXXX, and XXXX XXXX notifying them that I never authorize my credit to be pulled. I sent to XXXX advising that the following hard pull inquires are not authorize by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX Barclays Bank XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In XX/XX/XXXX, I was a victim of identity theft - Once the FTC reported the theft to all of three credit bureaus some of the creditors put a freeze on my account until I verified my identity with them - except for Bank of America. 

I've been a member since XXXX and I've had my credit cards since XXXX one card was $ XXXX and $ XXXX I've never been late and still making all my payments on time. Although Bank of America has not closed my accounts, they have lowered my credit lines to my balance which is ultimately effecting my debt ratio. 

When I went to the bank to show my identity, I was told I must re-apply for these already established credit lines which will add unnecessary inquiries on my credit file. 
These are unfair banking practices and although I have great credit I don't believe I should be required to reapply. 
I would like for Bank of America to reinstate my credit lines immediately. 

Thanks,

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 2020-06-05
Company: Ad Astra Recovery Services Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit and saw this collection agency listed on my credit report. I sent this collection agency multiple letters to validate/verify the debt and each request was ignored. They only continue to send letters asking that I pay the debt and continue to report to the credit agencies without any proper debt validation. I also disputed the account with the credit bureaus and the collection agency is replying that the debt is accurate without proper proof or validation.

Company response to consumer: Closed with explanation