BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-14
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hello my name is XXXX XXXX I have both private and federal loans with navient I previously went to XXXX XXXX who have recently closed for good on XX/XX/XXXXsince then I been inquriying information on the school closure discharge form that I heard about and once I found out about it I filled it out and sent it to navient XX/XX/XXXX since then I have heard nothing back from my services Navient and everytime I call and ask about I always get a different number to call. Then I was told the private loan I have does not qualify for that type of discharge when on the federal service aid website states that both loans can be discharged it does n't go into detail about what type of loan it just says federal and private. It 's hard enough trying to raise a family in today society on top of a school that promised job placement once graduating closes down where credits do n't transfer nor receive a certificate. When I attend XX/XX/XXXXXXXX I enrolled in XXXX XXXX which was one year and 4months to  complete the program due to there poor orginazation i was told that they did n't have instructors to teach the two classes I need to receive my certificate but I can be switch to a XXXX XXXX  program for 4 years and receive a bacholors degree. At the time I was frustrated about the change in course and not being able to complete my classes I chose not to do the 4year program. I do not believe it 's fair that I would have to pay a XXXX dollar loan when I was told I would receive a certificate and have job placement once graduated and now that the school I have no records of transcripts nor contracts that was signed. Going forward I believe this loan should definitely be discharge for false advertising and also because of the shcool closing. If I knew this process would be so depressing I would have never chose to go to XXXX XXXX which was a fraud school and anyone that attended and did n't receive a certificate should n't be forced to pay the balance nor does those type of loans have any options to help other then the 12 month rate reduction which is still a XXXX option if it 's a parent plus loan because it 's based on the parents income along with yours I need answers better yet would like to seen this XXXX dollar loan that I receive no certificate for no job placement nor credits transfer be discharged due to school closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Was approved for a loan, but didn't receive money

Complaint:
I was a victim of identity theft while in the XXXX and recently found out that I had this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Nationwide Title Clearing, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX XXXX XXXX XXXX XXXX by Nationwide Title Clearing Inc. its attorney-in-fact assigned mortgage to XXXX XXXX XXXX  with XXXX XXXX signing as Vice President. 
I would like to file a complaint against NTC and demand they disclose who autorized them to prepare assignment to XXXX XXXX XXXX  On XX/XX/XXXX XXXX XXXX XXXX then assigned mortgage to XXXX XXXX XXXX XXXX For XXXX XXXX XXXX XXXX by XXXX XXXX XXXX  XXXX with XXXX XXXX signing as Assistant Secretary. 
I would like to file a complaint against XXXX XXXX XXXX  XXXX and demand they disclose who autorized them to prepare assignment to XXXX XXXX  XXXX XXXX for XXXX XXXX SC XXXX ( even though XXXX XXXX states in letter attached that they do not own the loan or mortgage nor service the account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to make a deposit of {$500.00} at an ATM of the XXXX XXXX  and the operation could not be carried out effectively and I have the tickets that prove what happened. The biggest problem is that since my account belongs to chase and not XXXX, they don't help me because they say they don't have access to that ATM and they don't contact XXXX either. XXXX doesn't help me either since it says that chase has to claim and they can't talk to me directly because I'm not a XXXX  client.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Experian Information Solutions 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 seem to keep having a problem with XXXX  with these Hard Inquiries that remain on my Credit Report that I have no clue why they are there because they where not done on my behalf. 1. XXXX XXXX  ( XX/XX/XXXX) Not Mine 2. XXXX XXXX XXXX  (XX/XX/XXXX &XX/XX/XXXX ) These are not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX. I received an alert about debt being added to my credit report. I have no knowledge of the debt they say I owe, nor the company collecting the debt. I immediately disputed the item with the credit bureaus. I also received a letter in the mail dated XX/XX/XXXX advising me of this alleged debt. 

1. This company is offering for me to settle for a debt I do not owe. Why would I pay for something I don't owe?

2. This company is calling me after the debt is disputed and still is in dispute with XXXX. They should not be calling me until the dispute is completed.

3. I also sent this company a letter on XX/XX/XXXX disputing this alleged debt and debt validation. There is no original creditor -- only a debt description. I have no idea who XXXX MC is. I never had any dealings with either company. 
4. This company states this alleged debt with them is accurate ( with XXXX  Dispute ), but I am unable to find any information about this so called debt description of XXXX MC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
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 seem to keep having a problem with Equifax with these Hard Inquiries that remain on my Credit Report that I have no clue why they are there because they where not done on my behalf. 1. XXXX XXXX  ( XX/XX/XXXX ) Not Mine 2. XXXX XXXX XXXX ( XX/XX/XXXX &XX/XX/XXXX ) These are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
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 a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX and XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On the XXXX of XXXX I transferred the amount of {$500.00} through chase bank with XXXX to a friend and to date he havent received the money, bank notified me that I might not get back my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX was paid off on XX/XX/2021. They submitted a trade line request to have it removed from my credit report on XX/XX/2021. I called Equifax on XX/XX/2021 and was informed they had not yet received it. I called XXXX that stated it was submitted on XX/XX/2021. I am waiting to apply for a mortgage once this is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Would like to lodge a formal complaint against Equifax for improper handling of their online security features, which then led to the breach of their systems and my information being compromised by hackers. 

See ( one of hundreds ) of news articles about the security breech. 
http : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started working with XXXX XXXX XX/XX/2020. I choose Wells Fargo because they had a good rate and the origination cost were reasonable. I agreed to {$1700.00}. I was first proposed 2.75 % interest rate on XX/XX/XXXX and was told that she could not lock me in because she did not have the purchase agreement. The following day she locked my rate in, still without the agreement, forcing me to pay a discount fee to lock in the rate. I had asked her if there would be additional fees later and she said that everything was outlined in the loan estimate. The fee was around {$500.00}. I paid that because I knew I would only have to pay that one time fee and then just the downpayment and closing cost. My loan estimated that my closing cost was around XXXX with XXXX in escrow ( for a total of XXXX ), now I am being told that I will need around XXXX in order to close on my house. I was told my DTI was good, and now all of a sudden it is not. My origination fees on the original document went from {$1700.00} to close to XXXX. This is not fair to me. Something needs to be done about this. I have been in underwriting for more than a month now. This is very frustrating. I'm being told that my student loans are the reason why my origination fee changed even though I was told that it would not change.

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 2018-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan Number:XXXX  Bank of America Home Loans From : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, Ga XXXX To whom it May concerned, I am seeking assistance from Bank of America to help with a modification of my home so, I WONT BECOME HOMELESS ON THE STREETS OF XXXX  . I have the help of XXXX and submitting all of my documents to them. XXXX XXXX XXXX  from the Bank of America Regulatory Department is harassing me with phone calls every week!! I dont understand what is her issue!! She was so disrespectful and nasty towards over a month ago. No one else from BAC has every been very nasty towards me. I am doing my complete best to keep my home. This is the 4th complaint I have made of this lady from Bank of America. This has to stop. Please help me! I am just requesting assistance from the Bank not weekly harassing phone calls. XXXX  representatives are very kind and willing to help me through this process. I have submitted all the documents the Bank needs to modify my loan and lower my mortgage.

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 2019-08-16
Company: Synter Resource Group, LLC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company calls everyday, I have returned the call several times only to get a voicemail. They say they are collecting for a bill that is owed by XXXX, but all our accounts are in good standing according to XXXX. 

They say to call XXXX x. XXXX  Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is reason to believe that the website owned by Equifax may have sent out randomly generated responses in relation to if my information was stolen or not. I believe this is unfair to the public. I have a right to know if my information is safe. I do not think it is right for Equifax to use their services and still make people waive their right to a class action lawsuit for using their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On the XXXX of XXXX my niece sent me {$360.00} through venmo they refused to transfer the money. They froze my account for no apparent reason

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-12
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, In XXXX of 2018, my husband XXXX XXXX received a dunning letter from a law group of Hayt, Hayt & Landau. The letter was dated XX/XX/2018 and was delivered by regular postal service delivery. In the letter they make a threatening statement that if a letter is written to their office to dispute the validity of the debt within 30 days that they will file a judgement against my husband. However, my husband, XXXX XXXX sent within the allotted 30 days, a request for validation. This request for validation was sent via UPS with tracking and was received by the law group within the 30 day period of time. 

More time has passed and now the law group has file a case in civil courts. They have violated regulations of the FDCPA, while stating that the are debt collectors as well. 

Please accept this as a formal complaint against the law group. They have violated the right to validation by not responding back to my husbands request, they threatened to sue if a request for validation was sent to them in writing, as well as now filed a lawsuit against my husband. Please see the attached notices that help to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX are reporting incorrectly on the XXXX/XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was being charged automatically every month by my dental office. I was seeing a dentist to have XXXX XXXX XXXX made for me. The dental office finally contacted me and asked me to schedule an appointment to be fit with my XXXX. Every time I had a scheduled dental appointment, the dental office re-scheduled the appointment. I have yet to be fit  with the XXXX XXXX. The dental office continued to bill XXXX XXXX even though the dentist never completed the XXXX XXXX. I finally was able to reach the billing department at the dental office regarding these re-occurring payments and the dental office billing department told me to call XXXX XXXX. When I called XXXX XXXX, the representative with XXXX XXXX informed me that this was a billing issue with the dental office. I have not been able to resolve this issue and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed a duplicate and expired daycare bill with National Recovery Agency and the Credit Bureaus multiple times. They have sent correspondence to me regarding XXXX XXXX  XXXX XXXX. The Date of last activity for the service I had there was XX/XX/2014. They are also reporting this in duplicate on my credit. Same dollar amount listed as owed but two different account numbers. There was only one account with XXXX XXXX  XXXX. The location has closed years ago and I have not been able to get in touch with anyone from there regarding this. The service and payment breakdown that XXXX XXXX sent me clearly states that the date of last activity/payment was on XX/XX/2014, yet the front of their letter states that the last service date was XX/XX/2014. The dates on my credit report also do not reflect a proper date of last activity. 

National Recovery Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA 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 2020-09-09
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: Their investigation did not fix an error on your report

Complaint:
Sometime in the past 5 years we instituted a consumer statement on the Equifax website. The statement is now irrelevant and should be removed. We filed numerous disputes to have it removed but Equifax wont remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Bread Financial Holdings, Inc.
State: NJ
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:
In XX/XX/2019, I had reported to Comenity bank that I had not used my credit card ( ending in XXXX XXXX in over two months, and I was seeing a fraudulent transaction of {$18.00} on my account. I had asked the representative to take off the charge and close my account. I was told that I will be sent some paperwork which I have not received till date. Comenity bank keeps charging me interest and fees on this {$18.00} amount and I have informed them that I will not be paying for any fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
SOMEONE IN THE MISSISSIPPI AREA HAS USED MY INFORMATION OPENING ACCOUNTS AND USING MY NAME TO BUY THINGS I LIVE IN THE XXXX AREA I HAVE NEVER LIVED IN THE MISSISSIPPI AREA.

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 2021-05-19
Company: ALLY FINANCIAL 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: Account information incorrect

Complaint:
Ally financial continues to report account past due, which contradicts the Cares Act law that agency are required to report account as current. I have called every month since XX/XX/XXXX trying to get some assistance. On XX/XX/XXXX, Ally employee states that they have no knowledge of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Lockhart, Morris & Montgomery Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This month it attached to my credit report and I never got or had anything from them and I was notified that my I'd may have been compromised and to watch for any new accounts to pop up that I am not aware of. No one has made contact other them darastically lowering my credit for a debt I don't owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Navient Solutions, LLC.
State: NJ
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:
Navient did not send me a warning that my IBR plan was expiring and did not send me a bill when my payment was due. When I tried calling it said they were " temporarily closed '' and did not say when they would re open.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Experian Information Solutions 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 AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NO IDEA HOW SOMEONE WAS ABLE TO GET MY INFORMATION TO EVEN DO SUCH A THING ON MY CREDIT. THIS IS CAUSING A GREAT DEED OF STRESS ON MY CREDIT. IT HAS ALSO BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH THE STATE THAT MY CREDIT IS NOW IN. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT. ALSO KEEP IN MIND THAT I HAVE NO KNOWLEDGE OF THE TRANSACTION.

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