BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-12
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have asked the debtor ( Navient ) in writing to cease all calls. Navient still calls me after I have wrote in writing not to. They calling me before XXXX. I received several calls from them. XX/XX/2019 first attempted call of the morning, was at XXXX first law they're breaking. They kept calling all day about 3 times. Twice on XX/XX/XXXX. Once on XX/XX/XXXX and once on XX/XX/XXXX. The numbers they are calling from are XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX. They also keep emailing me. This is starting to get annoyed. They keep harassing me. I do have rights under 15 UCS 1692d ( 5 ), 15 USC 1692c.a ( 1 ), 15 USC 1692 ( c ) ceasing communication. 15 USC 1692g.a ( 5 ) ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/18 I ordered an item from Kohls in the amount of {$50.00}. Order number:XXXX. I realized when I got the email of order confirmation that the address on file was an old address of about 2 years ago. I then called Kohls to inform them and they advised when I got the tracking number to call them and they would intercept the package and have it delivered to my new address. When she came back to the phone after placing me on hold she told me the package had been intercepted and I would be receiving a follow up email. When I got the email it said I had to contact the person now living in my old house like I am supposed to know who lives there. Long story short, I never received the item and was mislead by Kohls saying the matter has been taken care of which it never was. So now I am responsible for paying for an item I never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
To Whom It May Concern I XXXX XXXX recently requested a debt validation from XXXX XXXX on this alleged debt on XX/XX/2021. In the responds from XXXX XXXX, they requested to verify my SSN number and where i received this loan location. In my original letter I sent them my last XXXX of my SSN number and the account number of this alleged debt provided by the credit bureaus. I do not have anymore information regarding this alleged debt.

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 2019-10-12
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Cash App is holding my Bitcoin hostage. I had {$10.00} worth of BTC transferred into my Cash App wallet, that I initially purchased from them, from an outside wallet. The blockchain is showing 118 confirmations so I can't reverse the transfer. This is 24 hours after the transfer was initiated that the transaction is still showing as pending in Cash App. I have tried writing their customer support several times but have heard nothing back. I just want them to either put my BTC in my wallet or reverse the transaction so I can have access to my BTC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I filed complaint XXXX-XXXX  about Citibank with the Consumer Financial Protection Bureau. Citibank received the complaint and removed the credit card information from my credit report. I have attached a letter from Citibank that states they removed the credit card information from my credit report. When I reviewed my credit report on XX/XX/XXXX, the credit card information was removed by Citibank. However, Citibank did not remove the hard inquiries on my credit report. The hard inquiries was on my XXXX  credit report. I want Citibank to remove the hard inquiries from my credit report with all credit report agencies. Moreover, the banker that checked my credit said she was only making one inquiry. This banker deceived me as a consumer and was deliberately practicing deceptive behavior. 
The reason the credit card information was removed from my credit report is because Citibank gave me false balance transfer fee information before checking my credit. I only let Citibank check my credit because they shared a balance transfer fee that was lower than the actual fee when I received the credit card. As a result, the hard inquiries should be removed from my credit report as well.

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 2018-01-24
Company: Navient Solutions, LLC.
State: SC
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:
My wife requested my loan to be paid off on Thursday, XX/XX/XXXX at XXXX. She spoke with XXXX at Navient and requested that the payment be made from our SAVINGS. The total amount for loan XXXX was {$1700.00}. Nothing was showing as pending on Monday so I called and they informed us it could take up to 4 business days and that it was coming from our CHECKING. I moved money from our savings to our checking so that it would be covered. On the morning of the 5th business day the loan showed PAID IN FULL on navient.com, however I was n't seeing anything in either SAVINGS or CHECKING in my bank. Nothing was posted or pending. I spoke with XXXX at Navient on XX/XX/XXXX who informed me that it was pulled from my CHECKING ( just like the previous representative had ). I escalated the call to a supervisor XXXX - and filed a BBB complaint against Navient for being unable to explain why it took so long or why I was getting mixed information where the money was being pulled from. We conference called my bank XXXX who told me that no money had been pulled, but that they had miscoded the request and it was denied on XX/XX/XXXX. Nobody had contacted me. I escalated this to XXXX who told me that since there was n't currently a balance I would have to wait to repay. This would lead to accrued daily interest and a greater payoff. I 've had problems with Navient misallocating payments in the past and recorded BBB complaints each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: LEXISNEXIS
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/2019 I written a letter to the courts regarding disclosure of my personal information and was advise by the courts that no such thing has taken place on their behalf. I then sent the letter from the courts to Lexis Nexis certified mail on XX/XX/2019, which stated my personal information was not disclose to no parties. I requested an explanation from the company so that I can have the information removed from my credit report as its affecting my life tremendously. I have not heard from the company and its been 30 days since I reached out to them. Please help with this matter. 

Kind Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
American Education Services ( AES ) has been servicing my student debt ever since XX/XX/2007, for a total debt of {$110000.00}. 

In that time period, I have paid over {$77000.00}, but only have seen my principal drop by {$8100.00}. 

During this time, I have had some difficulties making payments due to job loss and other mitigating factors that have forced me to enter forbearance in a few occasions. A few times, I paid late fees ( totaling {$610.00} ). 

As of today, my total balance is now {$110000.00}, a full {$8000.00} higher than 11 years ago, despite paying {$77000.00} toward my debt. 

At this rate, I do not understand how I can pay my student debt ever. It is not clear to me how this could happen and why I owe more than I owed 11 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: EQUIFAX, INC.
State: IL
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: Problem getting your free annual credit report

Complaint:
sent two first class mail letter asking for hard copy of credit report from Equifax inc.Last letter sent XX/XX/XXXX, also phone twice XXXX XXXX XXXX XXXX .report never received.my name is XXXX XXXX born XXXX XXXX XXXX ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX phone number is XXXX XXXX XXXX my email XXXX .lived this address since sometime XXXX.i was told to not use middle name to prevent I d theft. please have Equifax send credit report .XXXX XXXX and XXXXXXXX  contacted same day as Equifax sent credit report.i need to correct some data on their report. thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They did not contact me for many years after initial complaint. I had filed a complaint 5 years ago as they threatened me the same way, with a debt that they can not prove or that they did not send me the requested information about the debt they say I owed. XXXX  has sold this debt many times, but they have never proved the debt is mine, or sent me requested documentations regarding the debt, which I do not owe. Time and again whenever the sell the debt to a collection the new company sends out the threatening letter to hurt my credit or sue me, this company just threatened to report the debt to a credit agency, and threatened to damage my credit. The debt is not mine, I have not had any contact, other than the collection and have not had an account with XXXX since 2009.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving repeated phone calls from Account Resolution Services. I received 12 calls on XX/XX/2019, 29 calls on XX/XX/2019, 12 calls on XX/XX/2019 and 9 calls on XX/XX/2019 and that is in the month of XX/XX/XXXX. I called XXXX at XXXX XXXX and asked to speak with a supervisor and was xfered to a voicemail. I called back at XXXX XXXX spoke to XXXX at ext XXXX who explained to me that they only called once and I asked about speaking with a supervisor then she begin to go through her script of debt collection. I understand there are laws regarding this. 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 2019-05-13
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:
Fraudulent account XXXX XXXX XXXX open XX/XX/2018 Amount 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 2019-10-12
Company: CITIBANK, N.A.
State: NY
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:
XXXX XXXX XXXX I was switched from a store charge to a Master Card w/o my knowledge or consent from another provider. Causing my Bill to get messed up. When I found the auto payment options messed up from my bank I filed a dispute with them and have yet to heard back. I spoke to the charge company and cleared up the past due amounts about a month ago and explained I also couldn't get into my account and didn't have a card. The took the payment fine and then magically the call was disonnected. That was over a month ago the whole time I have been locked out of my account unable to initiate automatic payments and they will not assist me to get logged into my account until I receive the credit card which they keep not sending me. The state the need the CVV code in order to help. When I ask why she just puts me on hold. This is an impossible situation. I will likely be cancelling my card. I have been a sears card holder for years. The customer service representative pretends to transfer me to a supervisor and comes back every 5 minutes to let me know that the supervisor is helping someone else. NO offer of a call back nothing. Still won't tell me why I have to wait for the new card. NO answers just a game. Still on this phone right now for over 25 minutes holding and being threatened she will disconnect the call.

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 2019-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2018-03-26
Company: BB&T CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX keep contacting XXXX XXXX on XX/XX/XXXX and another date in XX/XX/XXXXwho I put as a reference and is sharing confidential information with him about my loan. His name is not on the loan, therefore no one should be sharing with him any information about my past due payments, etc. he should only be contacted and asked to reach out to me to get me to call them about my loan but not share with him my personal info. I want this to stop 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 explanation
Consumer complaint received 2018-01-24
Company: WELLS FARGO & COMPANY
State: NY
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX, I had {$76.00} past due with a Wells Fargo Visa card. The reason I was past due was because I did not receive any communication from Wells Fargo that I was late. 
I sent a letter of goodwill in XX/XX/XXXX that I had not received notice of my late payment because I was living abroad, but in XX/XX/XXXX, Wells Fargo denied my request to have the late payment removed from my credit reports. I believe I was denied by Wells Fargo without consideration that I did n't have knowledge of a late payment.

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 2018-01-24
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
XXXX does not allow 3rd parties to collaborate with them. I have been unable to connect various budgeting and financial management programs with my card, yet have no trouble with my other financial accounts. Inability to use XXXX or other services is an archaic and poor oversight. A strong reason not to use this card or get it until this problem is fixed.

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 2019-10-12
Company: Jon Barry and Associates, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: Experian Information Solutions Inc.
State: TN
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:
Complaint in re : XXXX XXXX auto loan. XXXX loan balance is incorrect. I have called a number of times to report this matter with XXXX and request the correction to no avail. 
I am trying to purchase a home in the next 6 months but these issues continue to plague my credit. 

On a separate issue, I have previously written XXXX XXXX and provided them with my updated address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tennessee XXXX but again, they refuse to update my file. 

Finally, I provided XXXX XXXX with a final court order with my name change to : XXXX XXXX XXXX. As a direct result of XXXX 's refusal to update and cure these matters, I am unable to change the registration on my vehicle and am again forced to turn to the StateAttorney General for relief.

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 2018-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
About XXXX or XXXX months ago I hired XXXX XXXX XXXX to help me with my credit and they made it worse I pay them a XXXX dollars for 5 months and they made my credit lower I believe it is at XXXX oh have about XXXX to XXXX dollars in credit card debt

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-25
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Trying to pay down loan to 78 % equity to cancel PMI, we submitted payment of {$42000.00} in XX/XX/XXXX and another {$10000.00}, soon to be {$20000.00} in XX/XX/XXXX. Instead of applying payment amounts to principal and current month payment, the servicer, Ditech Financial, has applied our payments to future mortgage payments both times. They even ignored additional payments I had scheduled and never posted them! On top of that they refuse to cancel PMI since we are already at 78 % equity of the original loan ( originated in XX/XX/XXXX ) unless we pay for a new appraisal and they get an official request. By law they are required to cancel PMI automatically when we are at 78 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX WAS SUPPOSE TO DELETE THIS ACCOUNT TO SHOW PAID IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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