BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-03
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XX/XX/2018 I went to XXXX I was XXXX for 10 months. During that time my loans went into default. I had filed all the recommended paperwork with the student loan servicer as far as, Being able to keep my loan repayments in good standing during my time away. After my graduation from the program I came to find out that my loans have been in put into default. When I had filed my taxes with the IRS I had an offset for my taxes. Currently I am still in debt {$700.00}. Navient refuses to be understanding to my situation considering every detail they take no blame or a part in pose that they do not have any documentation that I filed in XXXX of 2018 stating that I had filed for a forbearance. Ive lost Thousands of dollars because of their mistake as well as taking a hit on my credit report. What are my options?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Hello, In XXXX XXXX and American Express ' response they noted that I called in on XX/XX/XXXX, and represented myself as my father ( customer ). Here I made a call to XXXX XXXX and made a {$990.00} payment for my father 's account ( co # XXXX ). I clearly remember identifying myself as junior, and never once stated that this was my loan ; I suggest XXXX XXXX, American Express, CFPB and myself have a conference and listen to the call. In addition, the company also took my cell number during the call and used it for follow up contacts without my permission and without a miranda indicating it was okay to do so. Not only has American Express had a formal Do Not Call on file for my number, but the document clearly states that I am not the customer. When XXXX XXXX called back on XX/XX/XXXX they advised that it was an attempt to collect a debt, and I clearly identified myself as the customer 's son. The agent did not go any further, but did ask if I had a valid contact number for my father. I gave them my mother 's number and the call ended. Again, I didn't tell them not to call because American Express had already had one for file for months if not years. When XXXX XXXX called back again on XX/XX/XXXX and again advised that it was an attempt to collect a debt, again I clearly identified myself as the customer 's son and informed them that I already gave them a contact number. Here the agent advised that she knew, but that the one I provided was also highlighted as a Do Not Call number. The statement definitely stuck out because not only was she attempting to collect from someone she knew was not the customer, but since the agent was unable to contact the customer they started contacting known family members for payments. Lastly, when I did call back in on XX/XX/XXXX, the assisting agent refused to indicated whether or not my number had been removed from their call list. They would not validate the information so I asked to speak to a manager and they refused. Only after noting that refusing to allow me to speak to one is in fact a violation did they decide to get me to a manager. At that time I confirmed that my number had still not been removed from their system. The manager informed me that they would do so, and I believe that they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
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:
I'm 2 days late on my Target credit card payment - over the last 2 days I've been harrassed by multiple calls a day from the same # also just received a call to collect after I told them to stop calling me at XXXX which is outside business hours and not appropriate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
For last 80 days I have been trying to close my second home mortgage with SunTrust bank aka Truist, through out the process the Suntrust team was not able to keep up with regular updates on my application, finally I have given up on my refinancing application with them. The company has had a lot of internal system integration issues that has caused the delays but in this process they have charged me {$1100.00} as deposit for processing my application which the company is now refusing to refund. A simple task like completing appraisal took them 2+ weeks to contact with me as they had no proper channels of communication. I feel that because I am existing customer with the bank I was not offered fair lending terms, charges too many points for the same mortgage. 

Application process start - XXXX was offered lock on rate for 90 days with $ XXXX as estimates value ~75 % loan to Equity ratio my appraisal came @ XXXX, original loan application was just under my name. I was encouraged to add my wife a co-borrower once I did that the cost for loan changed dramatically + $ XXXX. Why was this required? my personal income to debt ratio can easily support the necessary refinance but my loan officer asked to me add my wife as co-borrower who has lower credit score than me. My credit scorXXXX ( XXXX ) my wife 's score is ( {$690.00} - XXXX ). I was offered 1 point discount before then all that was changed as we now had my wife on the application who has lower credit score. 

My issue - Unfair lending practices. 
- Misleading customer about discounts, fees and points my cost for loan changed dramatically and now I was locked into it after my rate was locked they updated the disclosures. 

Loan Officer - XXXX XXXX, XXXX XXXX Mortgage Loan Officer XXXX SunTrust now Truist XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX Office ( XXXX ) XXXX | Toll Free ( XXXX ) XXXX ext. XXXX | Fax XXXX Mail XXXX XXXX Processing contact XXXX XXXX Mortgage Loan Processor, XXXX Campus | SunTrust now Truist XXXX XXXX XXXX XXXX 

XXXX, FL XXXX XXXX : XXXX Fax : 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 2022-08-07
Company: Experian Information Solutions Inc.
State: CO
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/XXXX, I received a phone call from Corporal XXXX XXXX from the XXXX XXXX Police, reference case XXXX. An individual was using my identity to purchase cars and start loans etc. 

Prior to XX/XX/XXXX, my credit score had gone down XXXX points, and just yesterday it went down another XXXX points. I tried to dispute with the credit card companies but nothing has happened. 

From XX/XX/XXXX to today, I have submitted several disputes with Experian. No action has been taken by them. 

These are the following on my credit report that are not me : XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX AN XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Please help! Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
Company: Navient Solutions, LLC.
State: TX
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:
When the government enacted the Cares Act with Covid I missed payments for federal student loans. I did receive notification of late payments, but believing that they were in error as the loans had all been put into a suspended state I ignored the letters. When I did follow up as to why I was still getting letters ( that I believed to be in error ) I was informed that the accounts could be brought up to date under disaster measures and then put into deferment. I accepted that resolution and then paid the accounts in full the following month. I am currently, working to refinance my home. My credit score has been devastated by this delinquency. A delinquency caused by a misunderstanding. The misunderstanding that occurred because Navient did not well communicate that these loans did not qualify for protection during this unprecedented worldwide disaster. It is not uncommon to receive notifications in error from my student loan holders. There were wrong communications during XXXX XXXX and XXXX. Everything in the news and otherwise indicated that these loans were protected. I have contacted the Navient Advocate and was offered a letter of good standing but not something that will remove the marks from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: NCS, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This complaint is about a debt collection agency noll collection in XXXX XXXX iowa, XXXX noll an attorney is reporting a false amount of debt on my credit report even though XXXX XXXX XXXX of south dakota judge discharged the their claim of amount we owed to a rental apartment XXXX at XXXX XXXXXXXX XXXX  where i lived for 4 years .noll collection is still reporting imaginary amount of XXXX dollars on my and my husband s credit report even though ordered by court that we dont owe them this amount. 
I paid her court fees and what ever was ordered by judge. 
Now this is unfair that noll collections lawyer XXXX noll is still reported a closed account new just to hurt my credit exactly at time when i applied fir home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: WELLS FARGO & COMPANY
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Good morning. I was recommended to your site by the State of CT, Dept of Banking. In XX/XX/2018 I purchased a new house. During the financial transactions between my attorney and XXXX in XXXX, someone copied my attorneys email info and wire transfer form and got me to ok a wire transfer from XXXX XXXX to a XXXX   XXXX XXXX account. XXXX XXXX did not confirm this transaction so sent the money to the fraud account. The amount was {$90000.00}. We found out the next day and immediately filed an IC3 report. XXXX XXXX did the same. The money was transferred from XXXX   XXXX XXXX to Wells Fargo. Wells Fargo alertly caught the exact dollar amount and froze the account that the money was put into. The problem is, is that Wells Fargo is not releasing the money to me, nor are they being communicative with the XXXX XXXX people. I filed a IC3 report and a police report through XXXX XXXX police department. I then contacted the AG office, then the CT dept. of Banking which led me to you. Please help me. I dont understand why Wells Fargo has not released this money back to me. 

Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: SYNCHRONY FINANCIAL
State: TN
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:
XX/XX/2018, {$96.00}, This account is with Pay Pal through XXXX XXXX. They have charged me on last months balance instead of the current balance. I called them about this and they insist that it is stated on the back of my statement about daily balances. I am fully aware that this is the way it is done but on the current balance not the months before. I had a balance of {$5300.00} last month with a interest of {$110.00}. I paid {$2700.00} which left a Balance of {$2700.00} and they are charging me interest on {$4100.00} which is {$96.00}. I know fully well how to figure daily interest rates on balances and it is not this. I made the bill and am fully prepared to pay it but not be fleeced by a rouge financial institution that charges whatever they want whenever they want. I check interest amounts on all my accounts and have never had this happen on any of the others. I am very angry that people can get away with this type of thing and no one the wiser unless they know what to look for. OH!!! this makes me so mad, to think they are able to take advantage of myself and any other unsuspecting consumers and get away with it..

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 2021-11-03
Company: EQUIFAX, INC.
State: MI
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:
The original amount is {$180000.00} and the balance is {$70000.00}. I've included a screenshot of my account to show the balance and original amount awarded. I have tried to dispute it with the credit bureaus but they claim this information is not new while that is true they keep changing it to reflect negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Exeter Finance Corp.
State: PA
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 have contacted the bureaus and creditor about this account and provided them details on how it's being reported inaccurately, but nothing has changed since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This occurs daily. 
The company " Harris and Harris Ltd ' calls at least once a day, stating that they are debt collectors, trying to recover debt. 
so you press one, to talk to them, and the first question they ask, is, 'what number are you calling from '. So I asked them, you called me. Then they say, 'they need the number to identify, who you are '. If they were calling me, they should know what number, called me. 
If I have to say my number. then they, can keep calling. 
This has been going, on, and on, for months. 
Even if you block their number they still get thru. 
They always hang up on you. 
They need to be stopped!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan with CMC. SLS is the servicing company. I can't communicate with them because they use archaic practices of verifying information that put my identity at risk. SLS has stopped sending paper statements. I want to continue to receive paper statements as their online system is absolutely terrible. They don't even provide an option to opt in for the paper statements. What the company should have done is give people the option to opt out of paper statements, but SLS/CMC never does the right thing by the customer.

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 2022-09-05
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, Somehow someone got into my account and did a bill pay for {$3600.00} from my business account which I never authorized. The card number that was used for the payment is from XXXX XXXX. ( XXXX ) which was giving to me by bank of America fraud department. the same day they attempted to do another transaction of {$4500.00} which was cancelled by bank of America representative. I call bank of America multiple time to help solve to the issue. they give me a lot turn around. and also provided me a case number ( XXXX ) I went to filled a police report and I call and provided it to them and nothing solve. all the kept telling me that I did the transaction and they don't give me any proof. the ip address that was giving to me is totally different than i have on my devices. they gave me a lot of false information. there was no real investigation going on from my understanding.

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 2021-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
In XXXX of 2020, I filed a dispute with these 3 bureau dispute department about the unverified accounts : XXXX XXXX account # XXXX. In those 3 Months I have asked numerous times for a response and I have not received anything in response from thses bureau in over 45 days because this account is still in dispute. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified  account as of today. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
DSNB/Macys is reporting a debt that is not mine. It is a fraudulent account opened by someone else using my information without my consent. I have requested information on numerous occasions and nothing has been furnished to me although they continue to " verify '' the 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 2018-07-31
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
I settled an account in full with Credit Acceptance Corp on XX/XX/2018 for the amount of {$5100.00}. 

Credit acceptance still reports a balance of XXXX, as well as a late payment when it should be reported as XXXX balance. 

I have brought this information to credit acceptance on XX/XX/18 and XX/XX/18 and they will not correct it. 

I have recordings of making the payment stating that it is payment for settlement in FULL, as well as supporting documents. 

When I brought the issue to XXXX they called credit acceptance, and took the information provided from credit acceptance because they said so and disregarded any supporting documents that I had sent over. This was on XX/XX/18. 

I gave credit acceptance the original 30 days allotted for dispute through XXXX, at the end of the 30 days they still reported false information. 

I am currently going through the mortgage underwriting process and this information immediately dropped my credit score XXXX points putting my mortgage approval in jeopardy. 

I will upload any documents I have. I can also provide the recorded conversation with XXXX XXXX XXXX XXXX co, clearly stating that the payment was for SETTLEMENT IN FULL.

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 2020-09-09
Company: JPMORGAN CHASE & CO.
State: UT
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:
-JPMCB Card # XXXX & XXXX is reporting a late on my credit report for XX/XX/2020 XX/XX/2020 XXXX I was not late. Due to unforeseen circumstances surrounding the pandemic of COVID19 &  being Quarantined since XX/XX/2020 and I have been severely impacted.. I tried to call in several times and the hold times are hours. I thought my payment went through and I have had an account with you since XXXX I have never been late. This was not my error. Can you please remove this late payment? You also closed my account after all this time for one late payment? It is very disappointing that you guys would do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was behind in payments and contacted ocwen for a payment plan. That plan they offered me was {$1200.00} a month for a {$500.00} a mo th mortgage. I asked what else can we do and ocwen told me a modification so I filed for that on XX/XX/XXXX. On XX/XX/XXXX I was told by ocwen the modification was held up by fha so let 's just do repayment and I said fine let 's just get mortgage current. Then I called ocwen on XX/XX/XXXX to confirm I can pay the 1st payment of payment plan on XX/XX/XXXX and ocwen had no idea what o was talking about and said I must apply for repayment plan. Ocwen reps are rude and not helpful and each rep lies. I am 3 months farther behind because ocwen can't figure out the repayment plan.

Company response to consumer: Closed with explanation