BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-07
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
cosigned for student loans in XXXX for XXXX XXXX XXXX. I contacted Navient in XXXX requesting release as cosigner. O was told he had to have proof of education. Months of trying to track this down yielded no results as the school has closed and no records are located at the state department. I again contacted navient and was told XXXX needed to make the request and his loan didnt require education proof. He did so. The request was denied stating he needed proof of education and 12 consecutive on time payments immediately proceeding request. He had a late payment because he didnt receive a statement after we started this process at which time he put the payments on autopay and brought act up to date. Navient was again contacted after this letter and questioned why the denial as he was told proof of education not needed and the reason he had late payment in 10 years. Navient responded stating he does not need proof of education but he did not have 12 consecutive payments immediately preceding the request. We feel cosigner should be released based on navient keeps changing reasons for denial. XXXX has made on time payments for over 10 years. Their website indicates you need 12 consecutive payments but does not say immediately preceding request. He has proven his credit worthiness over the last 10 years, has a good credit rating, and a steady income and to which proof was provided. We so feel they didnt send statement on purpose so cosigner could not be released. Navient customer advocates ( XXXX XXXX + XXXX ) do not return numerous phone calls despite their statements for us to call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Risecredit, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had an account that was past due because I was XXXX from the military and I was unable to make the payments on time and I tried to set up a payment plan to resolve the debt and in the midst of moving and getting my family settled after service I lost track of and was unaware of the debt being sold off and was required or notified that the balance was excessively higher than the balance before my transition from military service and I have noticed now that the balance is {$3400.00} and alot higher than it was when I last made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: EQUIFAX, INC.
State: CA
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:
Recently, I Review my Credit files on XXXX  and Equifax, and noticed a false information reported on the collection services that i have not acknowledge of or consent to from XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX. I have reason to believe I do not associate or have an account with XXXX XXXX, my wireless cable has always been with XXXX XXXX XXXX. I believe the information is incorrect or mistakes from the XXXX  XXXX, therefore reporting false information is in violation with FCRA Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This account was closed without my knowledge.I did not want it closed. I now have been notified that my limit on the card increased from {$1200.00} to now {$1700.00} which it was originally and is now open on my XXXX  report. I have attached photos of what I see.

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 2019-07-16
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an 18 yr old XXXX card with a XXXX credit limit that a disreputable " law firm '' XXXX XXXX XXXX hounded me for payment of {$6700.00} and freezed my checking account for payment. We made arrangements to settle for app. XXXX and I paid them XXXX a month for 3 years and they sent me a letter of discharge. My bank account has been closed for years and water damage has ruined our records. The bank can not give us copies from 15 years ago. Now a new company says they are employed by XXXX. It is Foster and Garbus. They sent a very inconspicuous letter claiming I had never paid XXXX XXXX XXXX which is now out of business ( not surprisingly ) and I owed them XXXX! I immediately responded and refuted their information. Even though the statute of limitations are expired on this loan, they have started calling my house multiple times during the day. I do not owe and my next step will be to seek legal help to resolve this.

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 2018-06-15
Company: Midwest Fidelity Services, LLC
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Myself, family and friends have received multiple calls stating that the debt collector demands I pay or else I'll be sued and convicted of fraud for bills that I don't even have a recollection of belonging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Citibank released a COVID-19 statement during early XX/XX/XXXX advising customers who were having hardship as a result of the pandemic to contact them for assistance. I live in XXXX, New York which was placed on lock-down due to Coronavirus so I contacted Citibank on XX/XX/XXXX to request COVID-19 forbearance and was offered a reduction in rate from 11.99 % to 9.9 % for 60 months but I would need to close the account. I refused the offer based on the condition to close. I felt it was punitive. I was told that was the only available option available but I could call again to see if any changes. I made several follow-up calls to Citibank customer service. I did not hear back from Citi until XX/XX/XXXX when their collections contacted me because I did not make the XX/XX/XXXX payment due, at that point they offered payment deferral until XX/XX/XXXX. After this agreement I still continued to receive collections calls. On XX/XX/2020 I received e-mails from Citi stating they had reduced the credit lines on both my accounts based upon my XXXX  report which indicates a substantial number of debts owed. Their action cause credit reporting agencies to identify a 97 % utilization rate of the two revolving credit card accounts I have with them. which then put me at at 37 % utilization threshold resulting in a significant reduction in my credit score by relevant agencies. I'm a new business owner and the life and breath of my business relies greatly on my credit score. Citi has since refused to accept responsibility for their unfair and discriminatory action. They insist that the  first time I contacted them was XX/XX/XXXX. I have sent them my phone logs of the calls that were placed to them during the month of XXXX, requesting transcripts of our exchange. They have refused stating they will only provide same via a subpoena. I suspect Citibank posted their COVID-19 statement encouraging customers to call in and when we did, they tried to trick us in closing accounts, because I did not accept their original offer my accounts were flagged and later reduced because I was considered too risky. I've had one of the accounts for over 25 years and can't remember ever missing a payment. COVID-19 was a risk for everyone on many levels and they  used their authority as a weapon to further harm unsuspecting customers.

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 2020-11-13
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, a charge from XXXX in the amount of {$550.00} was made to my Chase Credit Card account. I did not make a purchase at XXXX with the card. I don't purchase from XXXX nor do I wear any XXXX products. I called Chase to report the fraud and they closed the account and issued me a new card and number. They also removed the charge from my account. Today I received a letter from Chase stating they had completed their investigation and that I am responsible for the charge because I received benefit from the transaction. I tried to call them at XXXX EST because the letter stated they were open until XXXX EST but they have changed their hours without changing the letter and were closed. They don't provide me any details as to what their investigation found or the benefit I received from the fraudulent transaction I did not execute. I would like to know what was purchased and where it was sent. I would like to know what their investigation found AND I do not want to be responsible for a charge which I did not execute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX Portfolio signed a certified letter with return of my dispute that I sent to them. I checked my credit profile on XX/XX/XXXX and Portfolio FAILED to mark my account " DISPUTED ' which is REQUIRED by the Fair Credit Reporting Act and the Fair Debt Collection Reporting Act. Nor have they sent me any proof that I owe this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On the morning of XX/XX/XXXX a repo company assigned by wells fargo auto illegally came into my yard, gate was locked and they broke in and illegally took my vehicle and failed to make contact with me. Repo breach of peace

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 2020-09-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, This is a follow-up to the previous complaint as I have asked the lender multiple times to address the breakdown of line item charges as they do not seem to be accurate and the property has been sold already yet this lender is still working on a response for these line item charges listed on the Payoff statement. This just does not make sense as the Customer Service is incompetent and can not tell where these numbers were derived from which are obvious overages for fees/charges in spite of the fact that I have requested this information numerous times in the past still no resolution to it.. 

This lender has ignored requests to reply in time and has basically gotten free money from the Payoff of the loan. 

Does CFPB even do anything as the lender can just make up numbers when it comes time to Payoff as unfortunately, the house sale did not need to be delayed yet this lender has bogus charges on the Payoff statement that Escrow will not question? 

There needs to be some type of investigation as I do not believe these line item charges to be accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Ingo Money, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XX/XX/21, I used INGO app to cash a check. The company stated that my identity needed to be verified and that the check was not cashed. When I tried to cash it later, it was already indicated that the check was cashed. The company does not answer emails or the phone. It has no customer service. They don't respond. They sent me a message saying they confirmed my identity, but it stated that the check was not cashed, but the it was cashed and is no longer working.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: JPMORGAN CHASE & CO.
State: AZ
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 XX/XX/XXXX I received an notification via e-mail from XXXX letting me know that there was unauthorized use of my account, to change my password. ( Which I did right away ). There was a purchase made for a {$9.00} XXXX and {$140.00} shipping. 
On this very day I called my bank Chase, and made a claim to have my funds returned to me {$150.00}. Chase Bank soon gave me a temporary credit of {$150.00} while they did their investigation on XX/XX/XXXX A month later, I noticed on my bank account that there was a claim reversal for the same amount. I called my bank, and they had informed me that my claim had been denied, stating that my XXXX account ( where the funds were drawn through ) had sent a letter to my bank XXXX stating that this transaction was a valid one, that they would be able to re-open the claim if I was able to send proof that this transaction was not made by me. 

I faxed over the email from XXXX of the unauthorized use of my account, my XXXX XXXX where it shows that there was no transaction on such dates, the notification from XXXX where they had removed the Merchant from which this item was supposedly purchased from. Chase made me wait 3-5 business days before I could get an answer on my new claim. I called back on XX/XX/XXXX and Chase had informed me that my claim had been denied again, because there was a tracking number from the merchant where it said that the item had been delivered on XX/XX/XXXX, this is not the case. I never received any merchandise from XXXX or their third part sellers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I would like you to stop banks which are supported and subsidized by the government from discriminating against certain companies and citizens safely and legally producing, selling, and using legal products. 

Recently both XXXX XXXX  and Bank of America have announced that they will no longer loan to manufacturers or dealers of certain types of firearms. They are taking the position that banks can decide what the people of the US can purchase and use ( since if no one manufactures or sells these items, no one can purchase or use them ). These banks should have no right to discriminate against lawful activities carried on by millions of Americans. That is especially true since the banks are chartered, regulated, supported, and subsidized by the American government and the American people. Without this support, banks would be much smaller, make much less money, and not have the power they have. These bank actions are in fact little different than if the banks discriminated in mortgage practices, car loans, etc. 

Federally supported banks should not be able to discriminate against lawful practices by American citizens. 

I have discussed this issue with representatives of both XXXX and Bank of America and they were not interested in my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Nelnet, Inc.
State: VA
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:
The loan servicer is Firstmark Services. I had paid a significant portion of the estimated payoff amount but the servicer only credited six of the seven loans I had which resulted in a larger final payoff amount costing me additional interest. As a result a larger amount was debited from my account and I now have an overage. Firstmark states it will send me a paper check for the overage. 

Please investigate whether Firstmark 's actions are a systemic problem or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello my name is XXXX XXXX I have submitted to the agencies over and over again about my personal information.The only address should be on file is XXXX XXXXXX/XX/XXXX XXXX Nc XXXX. There's no other spelling in my name besides the one above.

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 2020-06-25
Company: Experian Information Solutions Inc.
State: TX
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:
FTC Violations XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-10
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:
I am currently in the process of trying to buy a second home however, when the realtor I am working with pulled my credit report, there were Four accounts that do not belong to me. The account names are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. These accounts are not mine ; I did not open them nor did I benefit anything as a result of these accounts being opened in my name such as money, goods, services or any other benefit. I have reason to believe that these accounts belong to my mother since we have the same name. I am and I have had problems like this in the past. I have already notified the companies as well as filed a police report in hopes of having these unauthorized accounts removed from my report because it is very frustrating that I am being held responsible for accounts that aren't even mine.

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 2019-07-16
Company: CONRAD CREDIT CORPORATION
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A few years ago I received a notice in the mail to enjoy a free weekend at XXXX RV park in XXXX, Pa. It said there would be giveaways and a chance at a brand new truck. My wife and I spent Friday night there and in the morning we were awoken by a saleswoman who said she wanted to show us the park. 
We toured the park, still a bit tipsy from a late night of campfire and alcohol. She then led us to an office where high pressure salesmen promised us all kinds of benefits for signing up for a time share of RV parks across the country. 
When we got home and had a chance to read the fine print we decided this wasnt such a great deal. Supposedly for {$15000.00} we had a lifetime membership and if we wanted, we could sell the membership. Once I called the campground they said they had nothing to do with the sales team and that they were part of an XXXX XXXX   XXXX. 
I asked for a refund and the lady said shed take care of it. I started receiving payment coupons and called again. Someone else told me it was too late to cancel because there is only a 3 day window to do so. 
I called and wrote letters but to no avail. I stopped making monthly payments. They stopped calling me but then suddenly I get a notice from a collection agency demanding payment. 
I never received anything in writing from the campground or the company representative from XXXX XXXX XXXX XXXX. I never was given the opportunity to resell the timeshare. I was never informed of my rights. I also found out there was no tangible property or time share to sell only a deep discount club membership for RV parks. 
They misrepresented their business, the nature of the product they were selling and we never received the free trip and airfare promised in the original signing. 
We have tried to talk to XXXX XXXX XXXX XXXX but they say the account is now with Conrad Credit Corp. I contacted them and they said they cant do anything about it because the debt was already sold to them and they want their money. 
Adding insult to injury, we basically have already lost a {$4000.00} down payment and they say we owe another {$13000.00} and we literally didnt get one thing from them! No free trips, no free airfare and no deep discounts for using any of their parks.

Company response to consumer: Closed with explanation