BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-26
Company: Reliant Capital Solutions, LLC
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have been in contact with XXXX XXXX from Reliant Capital Solutions on behalf of XXXX XXXX University beginning before XXXX XXXX, 2017. I have spoken with him concerning my defaulted XXXX loan. I explained to him that I recently entered into an income based repayment plan for my other federal student loans. He advised me to complete a loan consolidation. He also stated that he would walk me through the process. After looking up the consolidation process online I noticed it may not be in my best interest at this time. I advised XXXX multiple times that I am working with my sister on the best option for me as far as my student loans. I am more comfortable working with her. He is continuing to call me every day from various numbers ; XXXX & XXXX to list a few, after business hours XXXX-XXXX EST. At this point each time I take a call from XXXX he gets more and more rude and agitated that I will not complete the consolidation with him over the phone. " At this point I can not keep putting this off any longer. I am trying to help you. I will have to mark the file as a refusal to pay the $ 3,000+ for the loan balance '' his exact words. I advised him again that this is NOT a refusal. I am working with someone to figure out the best means for me to pay the loan. I can not afford to pay the full amount at this time and am working on a repayment plan. I am working in public service and am trying to see how that would affect me before consolation which would ultimately increase my monthly payment amount exceeding my allowable income to expenses ratio. I advised him that I have his contact information and will reach out to him once my decision is made. It seems as though he is trying to get me to say I am refusing to pay. He is trying to rush me into making a decision that will affect ONLY me. It is very harassing and I have never been treated this way. This is not a good representation of XXXX nor his company. I have call records of all times and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: Experian Information Solutions Inc.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/21 I received an email from Experian stating my credit score had dropped. When I checked my score, I saw it had dropped 25 points. I checked my credit report, and it showed no reason for the drop. I called Experian on XXXX ( they're only available M-F, XXXX ) and they referred me to FICO. FICO sent me back to Experian. 
I called Experian again XXXX and spoke to a supervisor named XXXX. He was dismissive, claimed my 25 point drop was normal, and that if I want to know what caused the point drop, I'd find out when I applied for a loan. I explained that I want to fix the problem BEFORE applying for a loan ; and he said a 25 point drop is something he " sees everyday '' and claimed it was based on my open credit. I explained I haven't opened or closed credit accounts in 4 years. He dismissed me and offered NO help to figure out why my credit dropped suddenly. He claimed my concerns were baseless.

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 2022-02-07
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: Their investigation did not fix an error on your report

Complaint:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$540.00}, XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00}, XXXX XXXX  XXXX XX/XX/XXXX {$170.00}, XXXX XXXX XXXX XX/XX/XXXX {$320.00}. Inquiries : XXXX XXXX XXXX XX/XX/XXXX, EQUIFAX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX - XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: WELLS FARGO & COMPANY
State: ND
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have a furniture loan with Wells Fargo. I make all my payments on line. On XX/XX/XXXX, I went on to the Wells Fargo website to check my balance and seen a payment was due ( by XX/XX/XXXX ). I made a XXXX payment thinking everything was good and the payment due by XX/XX/XXXX was taken care of. Was I wrong. On XX/XX/XXXX, I just randomly went on Wells Fargo website and checked my balance again only to find my XX/XX/XXXX payment was over due and a late fee was charged to my account. The payment I made on XX/XX/XXXX went on the previous months billing cycle. I called Wells Fargo on XX/XX/XXXX and they told me I made the payment to early yet it showed payment due. They said I should of waited till the next day to make the payment allowing the billing cycle to complete itself. How would I know that? I sent them an email with no response and they said they would refund the late fee but they still have n't. Its been over a week. I am primarly concerned with my credit report. My report is flawless. I have never had a late payment in my life. Can you help me? There number is XXXX Account number is last 4 ( 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 monetary relief
Consumer complaint received 2022-02-07
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello my name is XXXX XXXX. I am writing on behalf of my situation with PNC in XXXX XXXX FL ( XXXX XXXX XXXX XXXX ). They are holding my funds from me for no logical reason. On the XXXX of XXXX I deposited a check given to me by a customer who bought a painting from me. PNC said they were going to hold the check until the XXXX. On the XXXX if XXXX they took the check from my account and said it was not legitimate. On the XXXX they locked me out of my account and access to my funds due to fraud alert. I went to the branch and they said my account was shut down and they would mail me the remaining funds in my account in 7-10 days. It has been 21 days. After calling every week and talking to 3 different people all telling me they cant help me, today I had a scheduled appointment with a branch member. They made me drive to the bank just to tell me the same thing theyve been telling me on the phone for weeks. They said they have no idea when Ill get my money and its out of there hands. I was late on rent because my funds are being held for something that isnt my fault and my landlord charged me an extra {$200.00} for being late. How was I to know the check given to me from a customer was fraudulent!? I have {$480.00} remaining in that account that I have zero access to and 6 different people have told me its out of their hands and they have no idea when Ill get it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-26
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Over the last few years Navient has not been willing to help me reduce my payments so that I able to keep up with payments to avoid negative reporting on my credit. They would send letters saying call and call me several times a day telling me that they would help with lowering my payments and discuss repayment options and when I would call they would tell me that my monthly payments could n't be lowered. Since 2012 XXXX XXXX/Navient has asked me to pay almost {$900.00} per month, {$730.00} for the private loan and {$130.00} for the federal loan, which is absolutely impossible to pay based on my income and the need to have money to pay for a place to lay my head and eat. I called last Thursday to let them know that I would be in school full time and they told me to send proof from the school, this was the most help I have received in years from Navient, however, that still does n't lower my payment and I will be in the same situation when the semester is over. It has been simply impossible to even try to catch up based on the payment amount requested therefore continuing to damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the Equifax credit information hack.It is not acceptable whatsoever to have me PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Experian Information Solutions Inc.
State: TX
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 have requested XXXX, Experian, and XXXX  update my credit reports. So far they have not. I need each bureau to update my account per my attachments. This information can be verified with XXXX XXXX XXXX XXXX who has also verified that no bureau has contracted them about my disputes.

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 2019-05-07
Company: Resurgent Capital Services L.P.
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:
I have lodged multiple disputes with Cach LLC ( original creditor XXXX XXXX XXXX  ) beginning on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I disputed this account as I believe it is not reporting in accordance with Consumer Protection Law ( FCRA and FDCPA ). During this time I have also lodged disputes with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
They keep cold calling me everytime I am late on a payment. They don't even let the month end before they report theate payment to the credit bureau and start harassing you about the month you are late and the following months payment. Your due date is the XXXX of each month, your payments is {$35.00} a month if you are late meaning any day past the XXXX they tell you owe {$70.00} which is amount of the current month you are still in and the next month. The customer service representatives are so rude they just say " is the so and so well you owe money how are you going to pay? '' They don't even give you a chance to explain why you were late only by week and a half. Then they try to force you to pay the current months balance and next months balance. They shouldn't be allowed to harass consumers this way especially for {$35.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Navient Solutions, LLC.
State: IN
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:
I have been repaying my private loan to Navient for over 10 years and have only paid off {$2000.00} in principal. {$210.00} x 120 months = {$25000.00} paid to Navient to pay off {$2000.00} of principal. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My federally protected consumer rights have been violated. See attached documents immediately.

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 2017-07-26
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Around XX/XX/XXXX chase sent me a mortgage statement showing I was one month behind on my mortgage. Chase attached late fees and dinged my credit. I contacted chase and spoke to XXXX XXXX. XXXX said he would look into it and sent me a years worth of payment history and no missed payments shown. I contacted chase again stating what I found. No missed payments.. chase said they will look into it again chase contacted me around XX/XX/XXXX. Chase stated the payment missing is from XX/XX/XXXX?? I asked for payment history from XX/XX/XXXX. I still have n't received any information. They continue to pile up late charges and hitting my credit.. no one at chase can clearly explain this issue to me. Why after 2 years is this the first time I hear about?. I feel they ca n't clearly explain what 's going on and are just putting me off. Meanwhile my late charges are piling up and credit score is taking a hit. Please help me resolve this issue Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: COAST PROFESSIONAL INC
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I was contacted by Coast Professionals credit collection i was never contacted by them before and today ( X/XX/2017 ) around XXXX XXXX. i just received a called ( XXXX, XXXX ) from them at my new job in which id just been working for two months. and luckily i was the one receiving the incoming phone calls from my job. i asked why i have n't received any mail from them. i asked them to please never call my job again. My student loans are going to be handled only by the lenders not third parties. they ask for my social security number and i refuse to give it. I don '' t know how they got my work information. They had my personal information why called my job, why they never send any mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: TX
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 was in the process of refinancing my mortgage. 
I received a call from XXXX XXXX advising that they had received my request for a refinance. I advised the rep that I was already in process of refinancing with a company and advised we had already moved forward with credit inquiries, she then began to ask me the following question. 
Did they run your credit, I advised yes they did as we are refinancing. 
I monitor our credit so I begin to receive alerts that our credit had been run I did not at anytime give XXXX XXXX permission to pull out credit reports in the month of XX/XX/2021. 
I tried disputing this with the Major credit bureaus with no response or dispute status provided. 
I would like the recorded conversation pulled & reviewed reflecting giving verbal/written permission to access credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Ad Astra Recovery Services Inc
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A complaint was previously filed however, " AD ASTRA '' has failed to comply with FDCPA violations, which have not been adequately addressed in their " reply '' to the initial complaint. 1 ) They failed to provide me notice of how to dispute this or validate this " account '' when they acquired it. 2 ) After I  mailed two separate correspondences to request validation, they failed to respond to either or send the requested documentation. I specifically asked for documents showing an original loan amount with a break down if fees, interests, and payments, so I could determine if this amount claimed owed is not only owed, but reflects an accurate amount. 3 ) After failing to respond in written correspondence and provide that information, they replied to the initial complaint however, this was n't all the information I needed, and I did n't receive amt documentation requested. 4 ) After they failed to provide information to verify everything requested, they also ignored a written request to cease and desist collection due to failure to comply with FDCPA regulations and continued to try collect on this corresponding only in the " company reply '' to the complaint, I provided my contact information months ago, and have not received the requested documentation or satisfactory reply. The original creditor has provided documentation in response to the initial complaint however, AD ASTRA has failed to provide documentation of what they are attempting to collect and reporting, which was different from what the creditor sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( 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 2022-02-07
Company: Selene Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm working with HUD certified agency XXXX XXXX XXXX. My sale date is XX/XX/XXXX. On XX/XX/XXXX I was told by lender that I'm not eligible for Loan Modification because application was suppose to be submitted 37 days before sales date & I requested a Deed In Lieu over the phone on XX/XX/XXXX & I was by XXXX told that XXXX XXXX XXXX option will be reviewed as long as the request and application is received 10 days before sale date.On XX/XX/XXXX Application was received when I spoke with XXXX XXXX. On XX/XX/XXXX We spoke with XXXX XXXX and he said application was incomplete but wasn't able to explain and the department would mail the reason for incomplete and wouldn't explain over the phone. On XX/XX/XXXX We spoke with XXXX XXXX and said no updates and application for Deed In Lieu is under review and was told to call back in a couple of days.On XX/XX/XXXX after being on hold for a while system requested that I leave a voicemail for a call back, I never received it. On XX/XX/XXXX we spoke with XXXX XXXX and told me application was terminated on XX/XX/XXXX because my application should have been submitted 37 days before. I want to do a Deed In Lieu, please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: KEYCORP
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had my checking account with key bank for almost a year and my account got closed for no reason.and now its been a month after my account got closed.and key bank refuses to send my balance they tell me i have to wait another 30 days for me to get my money.it is against the law to hold my money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was sent a letter on XX/XX/2019 by Credit Control LLC, stating that I owed this debt with XXXX XXXX XXXX , XXXX. This is at least the second company XXXX has sent this debt to for collection that I do not owe. I have disputed it previously on XX/XX/2019 with XXXX XXXX XXXX for the same debt with XXXX. Everytime I dispute it they just transfer it to another company to harass 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