BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-11
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX YEARS. XXXX YEARS I have been repaying student loans. I went back to school to become a teacher in the community I grew up in. I noticed a disparity in the diversity of teachers relative to the student body. I finished my education and was hired at the very high school that I graduated from. It's the best career move I have ever made. Navient has made sure that I will never pay off this loan. Years of payments, programs, forbearance, have resulted in my balance now being MORE than what I borrowed, reporting late status to credit bureaus even though I have automatic payments coming out of my account EVERY MONTH, and this latest criminal act ... pulling me out of a repayment program that Navient decided I was not qualified for and now demanding more money to keep from being late - which they report that I am anyway. I pay XXXX different private loan payments, yet they break the loans out in XXXX separate loans so it's reported as XXXX different late statuses. I have XXXX credit cards that I have NEVER been late on and have NEVER paid the minimum. Payments are usually {$100.00} to {$200.00} a month. Same with my car payment. Yet, because of Navient, my credit score remains in the mid XXXX, despite years of on time payments. They have blacklisted me from home ownership, decent interest rates, and any decent loans. XXXX YEARS of this. I'm not taking it anymore. I'm done with Navient. Paying them on time has made no difference in my loan amount or my credit score and this latest stunt is the final straw. Find a way to dismantle this loan servicer XXXX. They should not be allowed to dictate a person 's life in this way. Allowing them to continue means the government is complicit in their XXXX actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am a PNC Bank user with a student account. I use applications such as XXXX to track my finances and bills, XXXX  to invest some spare change, and XXXX for the weeks where I'm really stretching my paycheck. 

PNC has made a change that prevents me from linking my accounts. I believe this happened around XX/XX/XXXX when I was booted off of my apps. It is very frustrating because many working class citizens rely on these applications to make money just a little easier. It feels very disappointing that I haven't even got the freedom to deal with my money and finances the way I feel comfortable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I am currently under Chapter XXXX and making my mortgage payments please note that this mortgage was NOT included in the Chapter XXXX filing and I am paying the original payment amount and it NOT was negotiated, I am current with all of my finance 's. However I have been trying to get two copies of statements for XX/XX/XXXX & XX/XX/XXXX, I have been told by Mr. Cooper to contact my lawyer and have her to reach out to their attorneys. She has contacted them to no avail this has been going on for about two weeks, I don't understand how difficult and stressful this has been just to get a couple of copies. It's unbelievable how NATIONSTAR MORTGAGE aka Mr.Cooper is making things so hard to accomplish a simple task.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
on XXXX XX/XX/20 My lost debit card ( which i was unaware of ) was used to make several unauthorized transactions. I did not get any security notifications from Bank of America.Which is ridiculous the account activity was clearly suspicious.I noticed my debit card was lost once i got a low balance alert from the bank. I immediately called their fraud department, they cancelled the card and issued me a new one while also filing a claim for me. 5 days later my claim was denied with no explanation. I reached out to their claims department only to be given the run around, no information was given to me. I provided my Police report number and was told Bank of America would reopen the claim. After 3 weeks later i woke up to a email that stated my claim was not paid. It was being denied with no apparent reason with literally no information on their determination. 

The Unauthorized transactions are listed below _______________________________________________________________________ XX/XX/20 {$1500.00} -Bank of America Atm withdrawal. 
XX/XX/20 {$9.00} -XXXX  XXXX XX/XX/20 $ XXXX XXXX XX/XX/20 XXXX XXXX Bank of America Atm withdrawal . 
XX/XX/20 {$430.00} - XXXX XXXX XX/XX/20 {$200.00} - XXXX XXXX XX/XX/20 {$240.00} - Bank of America Atm withdrawal.

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 2020-01-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX Reported : XXXX XXXX, 2019 was transferred to XXXX Reported : XXXX XXXX, 2019 which was paid off and closed on XX/XX/2019 but it does not reflect that on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: BCA Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My debt account with a hospital has recently ( XX/XX/2019 ) been moved to a different debt collection Agency. I continue to receive threatening phone calls from BCA Financial demanding that I state my name, social security number, and demanding that I pay the balance of my debt in full over the phone by credit card or bank account number. My account is no longer with this company, BCA, which BCA confirmed when I called them again. BCA has no record of this phone call that was made to me on Thursday XX/XX/2019. Someone is calling me and claiming to be BCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

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 2020-05-06
Company: Experian Information Solutions 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:
XXXX XXXX has 2 loans on my credit thats not mines, XXXX XXXX XXXX has a closed account on my account thats not mines, XXXX is reporting false information I have XXXX and XXXX  its hard for me. Ive been ill for over a year with other complications. I cant deal with people using my credit and the banks keep reporting it.I have several inquiries thats not mines. i filed a ftc report. Please help

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 2017-12-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted Equifax XXXX XXXX, and XXXX XXXX and XXXX XXXX, and XXXX and XXXX XXXX all of which had disputes filed paperwork submitted proof shown where I had paid the company in full XXXX Equifax stated they could not see where I did. also another dispute they was not closing that was opened on my account was XXXX XXXX it was opened in XXXX I was born XXXX XXXX how that is possible is beyond me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
When Covid-19 hit, we were unsure if payments would be made on our home mortgage, I called them and they graciously extended 90 days due to the crisis - called forbearance- noting that full payment must be made for the three months plus the month coming, which I agreed would be fine. I recently checked my credit score and noted that the forbearance was reported and it dropped my credit score by 30 points. This is cruel and unusual punishment for a person who has NEVER missed a payment, EVER. Plus, we had decided to go ahead and bring our account current by making two payments on XX/XX/XXXX, and today, I received a call from the mortgage company wanting to know what we were going to do XX/XX/XXXX. I'm upset on two fronts that calls were made in an attempt to collect a debt that was already paid current - plus, taking a credit report hit that was totally undeserved since the entire country is in a crisis ... ... .just thinking that these actions were not only uncalled for but very unfair to my personal credit and I would like to have satisfaction on this complaint by way of punitive measures against XXXX XXXX XXXX, whichever is claiming ownership at this time - maybe even a monetary penalty as well. Needless to say, I will be looking to refi with a different company asap. 

I own and operate a small business ( manufacture lab furniture for schools ) and my personal credit drives many decisions that our vendors make regarding extending credit to my company - this negatively impacts not only me, but my company and it's 10 employees. The ripple effect is very strong in my eyes, and this action damaged myself and my company.

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 2019-04-03
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2019, I submitted a dispute with Equifax. There are three creditors currently reporting late payments. The investigation has not been completed, as of XX/XX/2019. I spoke to XXXX at XXXX. I explained to XXXX that I am aware of the law and he acknowledged. The creditor has exhausted their time to investigate and respond to the dispute. XXXX refused to update the credit file by removing the incorrect information. XXXX acknowledged we are on a recorded line. XXXX has confirmed creditor states there are no late payments. I'm inputting this complaint with him on the phone. XXXX also stated no one will be able to update file and told me to contact the creditor. I've been on the line with XXXX now XXXX hour XXXX minutes. The time is XXXX central time. 

I am requesting these entries be removed and an updated copy of my credit file be forwarded to me via U S mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2018, my checking account balance was {$330.00}. I then made a purchase for {$240.00}, leaving a balance of {$89.00}. The next day Wells Fargo charged me a {$35.00} overdraft fee for my transaction of {$240.00}, even though there was {$89.00} still in my account!! Wells Fargo only partially refunded my overdraft fee.

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 monetary relief
Consumer complaint received 2018-03-27
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
The loan was discharged in bankruptcy in XX/XX/XXXX. I XXXX XXXX XXXX obtain the loan approximately XX/XX/XXXX, and started reporting to the credit agencies. I would this to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been 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 explanation
Consumer complaint received 2019-04-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went into the Wells Fargo branch inside the XXXX Market on XXXX XXXX in XXXX XXXX XXXX, CA today to make a {$200.00} deposit the XXXX manager refused to accept the deposits saying it could be " XXXX or XXXX '' laundering monies? As i laughed that i would put a {$200.00} dollars in an account i opened 7 years ago where i have made deposits in excess of hundreds of thousands of dollars would suddenly deposit {$200.00} bucks as XXXX  or XXXX  money. 

This sort of discrimination and violating my rights is outrageous

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 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone applied for credit cards on my behalf, leaving hard inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
To Whom it may XXXXoncern, Name : XXXX XXXX XXXX ; Credit Card number : XXXX My name is XXXX XXXX XXXX and I understand that I have completed the requirement for the promotion, to receive XXXX Delta Skymiles as it was advertised on the American Express website. I did apply and was approved and I did spend {$3000.00} to full fill the terms of the bonus points but instead I got only XXXX Delta skymiles. When I contacted customer service they demanded provide them with direct solicitation mail. I believe if city advertising XXXX XXXX Skymiles online they should be able to track customers who have applied online following their add. 

I am asking Consumer Financial protection agency to investigate this incident which sounds like a false advertisement. I am asking American Express to honor their promise and honor XXXX XXXX Delta Skymiles. Please see below what American express had regarding their bonus offer : XXXX SkyMiles after spending {$2000.00} in three months, {$XXXX} statement credit after first XXXX purchase in the first three months. Plus, earn an additional XXXX bonus miles after spending an additional {$XXXX} in the first six months. 

Thank you for your time, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello : ditech.com is my mortgage company. They placed an automatic forbearance on my account and removed my auto payment after Hurricane Irma. I called about a week after the storm to ask that they remove the forbearance and return the auto payment. This was confirm by the agent and recorded by them. I received a letter just a few weeks ago stating that my auto payment was never returned and the agent who I spoke with after I received the letter actually read back the notes confirming that I called and asked to have forbearance removed and auto payment reinstated. So I asked again the agent to remove the forbearance and install auto payment. 

I called this past week to check if this was done yet, and the agent at that time said I still have a forbearance and no auto payment. 

As I right this complaint, I spoke with an agent today that informs me that I dont have auto payment and forbearance is still active. She placed me on hold, which has lasted an hour. 

Ditech is not responsive, and it is purposely choosing to keep my in forbearance when I have asked countless times to remove me. I also have asked countless times to reinstate auto payment and yet they choose not to listen. 

Please help XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had a car loan with XXXX XXXX XXXX but the car and the responsibility for payment was awarded to my ex wife in the divorce. When it became known to me that the payments were in default and collection activities had began i called in to report the location of the vehicle so that they could pick it up before any damage was done. I was told that i could not make any changes to the account in any way since i was not a member of the credit union. The account access was given to my ex wife only who had moved without reporting her address. Several months passed before they would talk to me about the account outside of demanding payments. I assisted in the collection of the vehicle even though the court specifically stated i had no further responsibility for it or any debt associated with it. They collected the vehicle and keys voluntarily and sold the vehicle but was not able to get the value for it because it had body damage at this point and had depreciated over the course of the year it took me to get it for them. They then demanded the rest of the loan balance from me and i submitted the divorce decree. I also paid for credit repair to help clear things up after the divorce. They just wrote it off as bad debt and let it sit in my credit for years. My ex wife has since claim bankruptcy and this should have been on 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 2022-08-08
Company: Experian Information Solutions Inc.
State: LA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$700.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2017-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have made several payments ( XXXX - {$80.00}, XXXX - {$80.00} ) to Captial One and although it is reflected on my paper statements it is not reflected on online payment activity. When asked about the issue and concern that my payments where not being applied to my account, I was informed that payments made through my bank 's online bill pay system will not be reflected online. However, all other payments made through my bank 's online bill pay system where reflected under payment activity. 

My concern is that my payments are not being applied to my account and possible the statements are not accurate. Banking is no longer about what you send me on a paper statement, since paper statements can reflect whatever the person preparing the statement wishes. I almost solely bank electronically and need it to be accurate.

Company response to consumer: Closed with explanation