BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-14
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I received a letter in XX/XX/XXXX from XXXX XXXX XXXX XXXX about two of my federal loans being in Defualt. When I contacted them, I stated there must be a mistake because I had all federal loans in forbearance. The person I was talking to gave me an address to send my dispute to and placed the collection in dispute status.

Several months later on XX/XX/XXXX, I received a letter from my payroll department about a garnishment. I immediately on the next day and multiple days later, spent hours on the phone trying to figure out it went into default. After spending a total of 21 hours on the phone and doing a lot of research, I found some interesting things : Originally, XXXX XXXX  had the loan, then it switched to Navient.XX/XX/XXXX, I received a phone call from Navient about two federal loans that were close to default, apparently they didn't do another forbearance because it went from 244 days past to only 215 days past. I just found this out yesterday. In XX/XX/XXXX, they transferred the loan to XXXX XXXX XXXX XXXX, in which they contracted XXXX XXXX XXXX XXXX   to collect.

Until I am able to figure out how and why the two loans went into default, I wanted to reduce the 15 % wage garnishment to something I am able to afford. XXXX had told me that they couldn't do anything unless the guarantor ( XXXX XXXX XXXX XXXX ) contacts them to modify the garnishment.

The problem is that trying to contact XXXX XXXX XXXX XXXX is like chasing a ghost. All calls end up being redirected back to Navient.

Now, Navient says they are on behalf of XXXX XXXX XXXX XXXX, but they can't change or modify the garnishment because XXXX XXXX XXXX XXXX is the guarantor.

Now what is really interesting is that when you search for XXXX XXXX XXXX XXXX, it comes up with XXXX XXXX. I then found out that XXXX XXXX took over loans from XXXX XXXX XXXX XXXX. When I contacted them, they told me that they had my two federal loans for a short period of time but returned it back to Navient. I also found out that XXXX XXXX XXXX XXXX  changed their name to XXXX XXXX XXXX in XX/XX/XXXX and no longer has a role in student loans.

When I contacted XXXX XXXX XXXX XXXX  and had a recorded conversation, I let them know that there is no company as " XXXX XXXX XXXX XXXX '' and the garnishment should be nulled immediately until the correct guarantor is listed on the wage garnishment. They told me that they do exist and they are going off what is listed on the contract. I let them know that XXXX does not exist and no one can seem to reach anyone from XXXX   and their contract is illegal and should be terminated immediately. They declined

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Chase is acting with gross negligence and incompetence regarding a financial matter. At issue is an authorization form that was submitted on XX/XX/XXXXwhich clearly states that authorized 3rd parties are able to discuss the loan and have documents delivered to them regarding the loan. The last sentence requests a pay off however the authorization form itself is not limited to just pay off information. Somehow through gross incompetence on behalf of Chase their legal department only read the last line and actually put in the system to only discuss payoff which is grossly inaccurate.

On XX/XX/XXXX 3rd party spoke to a very rude individual named XXXX XXXX who represented himself as being an escalation manager. When it was requested he pull the authorization form to read it to see it was not limited to just a pay off, he refused to do so. He then attempted to lie on the phone conversation as to the nature of 3rd party repeatedly. Please ensure XXXX XXXX is removed from my file as I don't want people who refuse to open docs and lie on the phone to be touching my file. This is unacceptable. We need to get the lock box code to get access to the property that Chase has put on through property preservation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
Theres a credit inquiry for the Bank of America on XX/XX/2022. I dont know why they looked at 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 non-monetary relief
Consumer complaint received 2021-10-08
Company: Rent Recovery Solutions
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
this company is steady trying to collected a debt from me and dont even know this company nor did i do any business with them or signed any paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I requested information on my loans. I noticed my loans went up from XXXX  to XXXX. I took a voluntary forbearance they call it from XX/XX/18-XX/XX/18. I took this because of financial hardship. They wrote back telling me increase from XXXX-XXXX was interest charged. So during my forbearance time they added XXXX in interest to my principal. I already can't pay what I owed with interest and they add on almost 4K!!! This is absolutely wrong. How will I ever pay these back with constant increase? Even before it jumped up, my loans were not going down and I pay every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX XXXX a ), It states that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am having issues with old addresses and information not current or accurate on my credit report.

My name is XXXX XXXX XXXX My SS is XXXX My DOB is XX/XX/XXXX My Employer is XXXX I have am no longer associated with the following addresses please delete them the are not accurate. Please remove me from all per-screen products and OPT OUT my name of data base services.

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
XXXX equifax and XXXX have dropped my fios score by 8 points I have never had a late payment, balances have been reduced was 138 now 130, no new inquires, tried to reach all 3 with disputes, all will not answer, hing changed in my credit report, please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Continental Finance Company, LLC
State: CT
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:
A fraudulent charge was reported to XXXX, the company whom handles fraud claims for XXXX XXXX, Continental Finance. The details are included here : XXXX XXXX {$350.00} Transaction Date : XX/XX/XXXX Posted Date : XX/XX/XXXX This charge was reported to XXXX along with another charge from XXXX on XX/XX/XXXX, which was credited back on XX/XX/XXXX in the amount of {$370.00}. However, the XXXX charge still remains outstanding. I was told to speak with a XXXX in fraud at XXXX, ext XXXX, two messages were left and none returned. I've since spoken with several customer services reps as well as a supervisor as of yesterday, XX/XX/XXXX, additional messages were left for her. It appears the XXXX dept does not return calls and appears to be an issue with the XXXX charge itself. I've reached out to the merchant, was told a phone was ordered which I have not received and have no use for as I already own a cell phone. This was explained to XXXX rep ( s ), was advised to inform bank of fraud, which I already have.. Unfortunately, reps in fraud do not seem to return calls so there is no way of know what is going on with regard to this charge.

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 2021-06-04
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
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:
These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX, XXXX. 
Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
USAA answers that ( other credits ) {$2600.00} on my XX/XX/2019 were applied to the balance.. 

Balance. {$1.00}, XXXX, XXXX other credits. - {$2.00}, XXXX - {$1500.00} New purchases. {$860.00} without reversals. 

Balance USAA. - {$710.00} owes me. 

Statement boldly states TOTAL CREDITS FOR THIS PERIOD {$910.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I mailed my dispute letters to the credit bureaus XX/XX/2021. It has been more than 30 days since then no dispute results yet. This is a violation of my rights and these negatives account need to deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: CNG FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Four years ago, I moved into a new home. Contacted XXXX for TVS, phone and internet. The technician came to my home ran the wires for four TV hook-ups and hooked up my phone. I did not have the TVS yet, nor the internet, but had the phone for 4 months. Every month I was charged for the TVS and internet even though I had no service. After 4 months they disconnected my phone and set me a bill for over {$400.00}. I called them and said that I was still willing to have XXXX as my provider, but XXXX said not until I pay the bill. So I sent all the receivers back to them via XXXX XXXX. Now a company called XXXX is bugging me weekly. This is doing serious damage to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I began tenancy at the XXXX XXXX  XXXX on XX/XX/XXXX. They quoted me one price and when I arrived to move in changed the price by over {$60.00} which I could not afford but did not have anywhere to go with my things loaded on the moving truck. I paid a prorated the month of XXXX as shown on my payment register. I also paid a security deposit of {$99.00} as shown as well. They discounted rent the first full month of XXXX. I paid rent and utilities every month. Rent amount was {$1800.00} and utilities varied each month. I gave 60 days notice in XX/XX/XXXX. They slipped a statement under my door indicating the amount I would owe in the month of XX/XX/XXXX when I was vacating. I paid the amount stated which was prorated plus utilities to ensure I was clear. A few days after my departure they sent me a notice indicating that I owed them {$470.00}. They confiscated my {$99.00} security deposit and placed the rest on my credit report. I contested because I gave timely notice, and they provided me with a statement of the amount that I would owe and I paid it. I departed on XXXX XXXX, XXXX. The apartment was left in good condition as was received. I tried to contact the Regional Manager who refused to fix the problem or accept responsibility for her unprofessional staff. I later took them to court. They could not provide any documentation but I could but the judge sided with them because they had an attorney. I have the documentation attached. All efforts have been made to clear this wrongful charge so I am asking CFPB for your assistance to get removed from my credit file. I

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 2018-02-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good Afternoon, I happened to look at my credit report and noticed a charge-off on my report that I did not notice or was given a written statement about from " XXXX XXXX XXXX XXXX XXXX CREDIT CARD ACCOUNT # ENDING IN XXXX ''. I contacted XXXX XXXX about the charge- off and was said that the account was sold to Portfolio Recovery Associates.The Charge-off is Dated XX/XX/2014. I was not aware of the debt and or was contacted about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage company SLS ( Specialized Loan Services ) keeps reporting my payments as late and even has put on my account serious delinquencies even though we have always paid on time.

This has caused our credit score to drop and other companies to deny us loans or credit card.

This began at the beginning of this year. On XXXX we made a payment over the phone. A month later we got a notice on our credit reporting agencies saying that our mortgage was over 30 days late. 

In XXXX SLS offered us a chance, because of Covid, to skip a payment. We applied for this and got it approved. We have documentation of that.

The next month we paid on time and SLS was fine with that and did not report it late.

We contacted SLS on XXXX and told them this and they said it was because my payment on XXXX was for XXXX and I was month behind. When I sent them my bill payment that I made in XXXX they for some reason had taken my payment but never accredited it to my mortgage. Then they demanded that we pay two mortgage payments to get back in current status.

When I showed them the letter stating that they had approved of us skipping a payment they then corrected our account and placed it as current.

The problem was the delinquency was still showing on our credit. This has stopped us
from getting any further credit like car loans and could even affect us getting a job.

I have attached as proof the delinquencies that have shown up on credit even though we have always paid on time every month.

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 2021-02-11
Company: LOAN TO LEARN
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX my son applied for a private student loan for {$15000.00}. I am the co-signer. Back then the original name of the lender was XXXX  XXXX XXXX XXXX XXXX then they were brought by Loan to Learn. The initial monthly payment was {$170.00} for the year XXXX through to XXXX all payments were made on time and we paid a total of {$21000.00}. In XX/XX/XXXX we missed one payment and Loan to Learn turned over the account to a XXXX XXXX, XXXX. I pleaded with Loan to Learn please don't garnished my salary or take me to court for just one late payment. XX/XX/XXXX my cries went unnoticed and I received an stipulation of settlement letter in the mail starting XXXX demanding me to accept their offer pay off the amount of {$22000.00} to pay {$270.00} per month until paid in full. For those two years ( XXXX and XXXX ) we paid another {$6400.00}. In XXXX, I called Mr. XXXX 's office and begged him to please reduce the amount to {$200.00} a month and he agreed. Since XXXX we been paying {$200.00} per month. As of today, we paid a total of {$39000.00}. Here comes the nightmare. On my credit report it states I'm XXXX delinquent and I owe {$15000.00} and I'm behind {$5000.00}. Since the incorrect information is on my report, and I'm currently unemployed, I'm unable to take out a home equity line of credit due to this information on my report. I spoke with Mr. XXXX regarding this and he told me he don't report payments made directly to him so where is this inaccurate information coming from? Please you are my last hope, I tried going to credit repair only to fined the information is always updated with this inaccuracy. I need someone to please take a look at my case and any help you can give me would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent information to both the creditor & credit bureau regarding this violation. Holloway Credit Solutions has violated my HIPAA rights. I have never consented with the above collector on any terms to access my personal medical records. I have notified the reporting bureau on several occasions about this situation. Holloway Credit Solutions did not provide me with a HIPAA release that releases my medical information to them ; even more so, by providing such information they are in VIOLATION of my HIPAA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
This collection agency has violated HIPPA. I have never giving this company consent to obtain my medical records. This is unauthorized accessing of XXXX. I demand this account is deleted immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
This collection agency has violated HIPPA. I have never giving this company consent to obtain my medical records. This is unauthorized accessing of XXXX. I demand this account is deleted immediately from 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 2021-02-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Portfolio Recovery Services has been attempting to collect a debt I am not even certain that I owe to THEM. 
They have called family members, and left personal information in the voicemails, as well as having nasty rude, impolite comments made. 
One lady told my XXXX yr old sister that I don't even live with, if SHE didn't give them a means to reach me, they would pursue legal action against her as well.. that may result in her being sentenced to jail time. 

I have had it. They know the proper course to take, all of my personal accounts have ALWAYS requested and optioned in for EMAIL me as my preferred contact method. 

Too many scam / con artists attempting to collect personal information, they don't give you any information about a debt unless you give up your own information first. NEVER GOING TO HAPPEN.

Company response to consumer: Closed with non-monetary relief