BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-22
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient is my Student Loan Servicer. Every month during 2016, and possibly before, my payment owed was displayed on Navients webportal. The total was XXXX and some change. Each month I would pay that exact amount ( on time ) without a second thought. It wasnt until I saw my principal balance increase by several thousand that something was amiss. I called customer service and they shared that I should have been paying more due to my loan at some point being restructured. I tried explaining that the amount due that was displayed on the web portal was the XXXX, but they said its my responsibility to know how much Im really supposed to pay! ( ( (???? ) ) ) Because I wasnt paying the actual amount due ( which I still am unaware of to this day ), the remaining difference was placed back on my loan and interest compounded. 

This response makes absolutely no sense. If my payment changed, it should be reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I would like to request a copy of promissory note reference on enclosed letter from Navient. The amount of interest charged during forbearance is atrocious especially when Navient failed to provide other options during my hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter from Transworld systems I never herd of this company. They are stating that I owe {$1000.00} in XXXX XXXX tunnels tickets. This is untrue., This company has not shown me any tickets or passing. I always pay my tolls cash if I did not have an active easy pass I paid over 200 XXXX XXXX  money in XX/XX/2018. This company has found some time of balance with someone and charge me with it. I do have or presumed to have had a balance with XXXX XXXX for {$40.00}. 

I demand this be discarded and this accusation be dismissed I do also believe this company should be fined for false documentation. 

This collection agency is a fraud persone who to contacty XXXX XXXX XXXX This company has a charge repeated over 22 times and they have no lic plate # I did not have a car during this time where did this come from what state and how where this is not true what car what year!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: AR
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 credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$130.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX {$220.00} XXXX XXXX {$14000.00}

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 2017-11-29
Company: WELLS FARGO & COMPANY
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
When attempting to post additional payments to this account to reduce the amount of interest paid to Wells Fargo Dealer Services I was told that loan payments are always taken care of first. This includes interest to the loan that was not earned yet. Additionally it will not deter interest for the amount paid ahead until you are three payments ahead. 
I have called and spoken to Wells Fargo 's customer service department on more than one occasion including escalation to a supervisor and I was told that this is policy. 
I am including a screenshot of the web page that told me I had to pay three payments ahead before they start applying payments to principal only! 
Thank you for your help in this matter!

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 2019-04-17
Company: Bread Financial Holdings, Inc.
State: RI
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:
XXXX XXXX sent me a letter ( see attached ) claiming that they received a report from XXXX   saying I had a bankruptcy on my credit report. That was false and defamatory. XXXX   verified that the information was not present on my report. Yet, the enclosed letter from XXXX   clearly states that false information and presents it as fact. In fact, it appears that XXXX tried to force that false information onto my credit report from what I have learned in an attempt to defame me because of ongoing complaints with them and my request for a payment from the Civil Penalties Fund.

This is extremely alarming and this letter ( see attached ) comes from XXXX and directs me to their Bankruptcy department. This is what XXXX had to say on the record : Company 's Response Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicated that XXXX inaccurately listed a bankruptcy on your credit report. You would like the bankruptcy removed from your credit report. According to our records, the disputed information does not appear on your current XXXX credit report. We are in the process of forwarding you a copy of your credit report for review. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from XXXX, or write to XXXX at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXXXXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with XXXX. 

DESCRIPTION OF NON-MONETARY RELIEF According to our records, the disputed information does not appear on your current XXXX credit report. We are in the process of forwarding you a copy of your credit report for review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29
Company: FCI Lender Services Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, 2017 XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX took over a mortgage loan or line of credit I owe to XXXX XXXX XXXX in which I was making monthly payments of {$500.00} towards the loan and 100 % of that payment was being applied to the principal debt which was {$120000.00} with no penalties or interest added. Now XXXX XXXX XXXX XXXX XXXX, is asking to pay them {$230000.00} and they are claiming interest, late charges finance charges. I believe that the amount they are claiming is not accurate every time I try to reach them they do n't want to give me the opportunity to work with all they want to do is to do a foreclosure on the property so they can get their money in full. I 'm willing to work with them in regards to this matter. I truly believe that they are overcharging and the amount owe is only {$120000.00} which is what they pay XXXX XXXX XXXX. I hope I can get some because I 'm very desperate and afraid I will loose my home.

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 2017-11-29
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XXXX/XXXX/2017 I received a call from Navient stating that I have three loans with them, which is incorrect. I only have two loans with Navient, no third loan appears on my login.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The company deleted credit reporting my active account from all credit reporting agencies after six years of good payment history and an account in good standing causing my credit score to drop by 100 points causing a low credit score This loan is still active and not within seven years statue to delete hence this account have been over paid I feel by {$10000.00} this why I feel the company violated FCRA to hind the overpayment on the account Additionally I am owed the title for this Vehicle which has been overpaid

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 2019-03-25
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: Their investigation did not fix an error on your report

Complaint:
In XXXX of 2012 I filed for Bankruptcy. I decided not to follow through. I did not meet with a Trustee, I did not go to Bankruptcy Court. I paid all of my creditors without the assistance of the Bankruptcy Court. For the last 7 years this bankruptcy has appeared on my credit report. The Bankruptcy Court state that they do not report to any Credit Agency. Since the Credit Reporting Agencies did not receive this Bankruptcy information from the Bankruptcy Court, how did they get it and was it obtained in a legal manner according to the Fair Credit Reporting Act? This bankruptcy information was dismissed over six years ago and should not be 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 2022-03-29
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was interested in buying a horse. I searched XXXX for horses for sale near me. XXXX XXXX showed up on my search. I contacted the site using a contact us on the website. A gentleman named XXXX XXXX emailed me back and was very convincing on buying and shipping me the horse I was interested in. After several emails back and fourth he convinced me to wire transfer XXXX  USD to an address TDBank in XXXX XXXX  Texas and to his accountant named XXXX XXXX. After the wire transfer I received a call from a friend in Arizona who said he had seen the same horse I was interested in on another site in AZ. I then checked XXXX and found this same guy had scammed thousands of dollars from innocent people like myself. I then emailed the scammer back and asked for a refund. Never heard from him again. I searched the fake website to XXXX and found the scammers address to be in XXXX. Please help to recover my money! Just so you know I filed a police report and also contacted my bank fraud department and filed with the FTC and FBI ic3 complaint. I have tried everything to try and get my money back to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Had filed for dispute for this two account but the company only produced documents for one of the accounts

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 2019-11-18
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/19 and XX/XX/19 I received responses to the disputes I sent them originally requesting a HIPAA release signed by me to show they had authorization to collect information. The letters included their right to collect the debt as well as other requested items. They did not send HIPAA release form or signature. I also sent the same letter to XXXX  and they too have not replied or released the HIPAA form I requested. United Revenue Corp called my disputes vague and stated they would consider them frivolous. I have made them aware this is damaging my credit and to please stop reporting due to their no response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The company deleted credit reporting my active account from all credit reporting agencies after six years of good payment history and an account in good standing causing my credit score to drop by 100 points causing a low credit score This loan is still active and not within seven years statue to delete hence this account have been over paid I feel by {$10000.00} this why I feel the company violated FCRA to hind the overpayment on the account Additionally I am owed the title for this Vehicle which has been overpaid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: SYNCHRONY FINANCIAL
State: MI
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 sent in request for a investigation in its been well past 30 days for the hard inquiries thats on my credit report that I did not authorize, and they havent sent me anything stating nothing

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 2019-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$750.00} does not belong to me.This complaint is not a duplicate This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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 2018-03-22
Company: NCC Business Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted this company at the start of XX/XX/2018 for collections found on my credit. I sent validation and I'm return I received a lease and a list of hand written damages. The lease was typed and was for an XXXX XXXX, which is not me. I responded to the company with questions about maybe my social or my ID. Because every apartment I've rented has taken copies of both. But received not answer back. It also looks like the lease was tampered with and dates were written over. Very shady!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The company deleted credit reporting my active account from all credit reporting agencies after six years of good payment history and an account in good standing causing my credit score to drop by 100 points causing a low credit score This loan is still active and not within seven years statue to delete hence this account have been over paid I feel by {$10000.00} this why I feel the company violated FCRA to hind the overpayment on the account Additionally I am owed the title for this Vehicle which has been overpaid

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 2021-05-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX I made a check out to my husband from my XXXX XXXX account in the amount of {$1500.00}. The check was deposited via mobile deposit to his Wells Fargo 's checking account. After several days of waiting for the money to clear the bank rejects the deposit and sends the money back to me. However the reason the bank rejected this deposit was because the check was deposited two times once on XX/XX/XXXX by my husband and a second time XX/XX/XXXX by an unknown person to a XXXX XXXX  XXXX account. The check never left our possession nor has been stolen, so there is no way the check could be deposited in another bank other than the same depositing bank. No one in the household has a XXXX XXXX XXXX account and my husband went into XXXX XXXX XXXX today to ask and confirm that he has no accounts there. Thus, this is a case of fraud. We tried filing a police report but the police said there is no basis to file this as a police report since this is an error that must be solved between banks. Basically, the money was drawn twice from my account and reflected ( {$3000.00} ) but they only returned the money once ( {$1500.00} ). So now we are short of the {$1500.00} and some stranger has it and these banks do not want to help us with our situation. Hence either there was a clerical error at the bank processing of the check or someone within the bank is transferring deposits to a different bank for personal benefit as is quite believable with the terrible history at Wells Fargo. We have contacted both my bank ( XXXX XXXX ) and his bank ( Wells Fargo ) numerous times and every time they close the cases and say there is no issue. They do not want to assume responsibility for the mistake made by Wells Fargo since they most likely have to pay the money from their own funds to cover the lost. I have all the recorded documents and proof to prove my case and my husband went to Wells Fargo to further his claim in person and the people there appeared to agree with him but the final verdict came in the letter sent by them where they ended up closing the case and giving no solution. It makes no sense to me how depositing a check at one bank can end up in another bank and also the discrepancy of the check deposit dates. The first one should have priority over the second one. What looks like a simple error has been drawn out for almost 5 weeks. We just lost {$1500.00} out of no where due to bank errors.

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 2019-11-16
Company: EQUIFAX, INC.
State: MN
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:
Inquires on my credit report that I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm in receipt of a Shellpoint trial mortgage modification agreement dated XX/XX/XXXX. 
I received this document by mail XX/XX/XXXX. The agreement doesn't provide the terms of the agreement, such as the mortgage payment excluding the escrows for property taxes, insurance, interest rate and number of years the mortgage is being modified. I called Shellpoint several times I spoke with XXXX XXXX, and XXXX XXXX, customer service they advised I wouldn't know the terms of the loan modification until I complete the three trial payments and they refused to transfer me to the loss mitigation dept. or transfer me to a Supervisor. There is also a pending property foreclosure sale for my property set for XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I qualify for an Income Drive Repayment Plan. I have a reminder set to apply every year on the same day. For the past few years, XXXX will take a very long time to process the IDRP. Once they process it, they will mark my account as having late payments for the previous year. My credit score will drop 100-150 points. It takes months to fix it with the credit bureaus and also with XXXX. They make me submit it 2-5 times every year. They will tell me I filled it out wrong and need to do it a different way. I'm sitting on 2 months now dealing with this issue this year. It's like this every single year.

Company response to consumer: Closed with explanation