BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-23
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
School is not listed in official listings. I attended XXXX XXXX College which has changed its name to XXXX XXXX  College. I graduated in 2006. This For Profit Private College first priority was to get there hands on your FAFSA, their only priority. I was sold a Dream and delivered a nightmare. I was told my degree was transferable and the college had lifelong career placement. All lies. The also exaggerated the career field. As a divorced mother raising XXXX child on my own and working as well as trying to better our lives by getting a degree, I can tell you I made plenty of sacrifices. I feel this school preyed on low income families. I have filed many complaints a and forms with NAVIENT because this truly is a FRADULENT LOAN AND NAVIENT/XXXX XXXX know this. They have done nothing to right this wrong and have steadfastly continued to harass me and have COMPLETELY RUINED MY CREDIT FOR LIFE. This loan has NEVER DEFAULTED because Ive had to plat their stupid little FORBERANCE/ DEFFERMENT GAME. I CAN NOT get a home loan because as of now I owe them 2 the amount of the ACTUAL LOAN!! I will NEVER make a payment on this loan ... .. I regret ever trying to better myself. I have a worthless DEGREE and a pile of debt I will never pay on ... NAVIENT ILLEGAL ACTIVITY at its FINEST PLEASE. I have found many other student that attended same college in same situation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: NRA Group, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, I contacted National Recovery Agency in reference to the debt verification letter that was not received in a timely manner after it was requested. They stated that they had the wrong address and they were correcting it and resending it. I emailed them telling them I consider this verification untimely because it may not arrive in time to dispute the alleged debt, which the original creditor says was an error in their records and that I do not owe. NRA Group , LLC stated that they would continue to collect the debt. When asked for proof they were liscenced to collect denlbts in Illinois and the state of South Carolina ( or on a Military Installation, for that matter ) they refused to provide liscenced number and proof as a  registered debt collection agency. XXXX XXXX said the debt should not have been reported to collections. I am asking that the agency remove this information from my credit report as the alleged debt is now disputed and they have not verified the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
On XX/XX/2018 an inquiry was made by XXXX credit using my social security number. It is still on my credit report. This has affected my credit score and my ability to obtain credit from other creditors. I did NOT authorize XXXX credit to run my credit to obtain any services from them! I called them and received a letter saying it was fraud and it still has not been removed from my credit report! I want this company fined! XXXX credit is known to run credit without peoples consent! Please fine this company! This is affecting my credit report and my score!

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 2018-03-23
Company: Mobiloans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan from Mobiloans and requested for the funds on two occasions. On XXXX {$500.00}, and XXXX {$260.00}, loan total {$760.00}. My first payment was scheduled on XX/XX/ on my payday, which was a XXXX. I called Mobiloans on a XXXX  afternoon ( XXXX ) to update my new bank account, which is the time that is required to make any changes before payments are taken out. When I called Mobiloans, the representative made a 3-way call with me and my bank, and confirmed my new account. The representative told me that the payments should be processed in the right account on the due date. Come XXXX, Mobiloans did not process the payment as a way to charge me more finance fees. On that same day, Mobiloans added another hefty finance fee in my account. Between XXXX  to XXXX I was charged {$200.00} for fees on my {$760.00} loan. I called the lender on 4 occasions for them to explain the fees to me ; 1st  as to why they did not process the payment ; 2nd why they charged extra fees on XX/XX/ whenthey never processed the payment. The explanation did not make sense and they were unwilling to solve the problem, even after I paid them {$750.00} on XX/XX/. All my attempts to get them to solve the problem have been unsuccessful.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-10
Company: CITIBANK, N.A.
State: CA
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:
I received an alert call from Citi fraud department on XX/XX/18. I was informed that there was a suspicious activity of {$530.00} on my card at XXXX  store. I informed the representative that I didnt use the card and the card was in my possession physically all the times. My account was closed and my card was replaced immediately. The Citicard pay me back of {$530.00} right away, as it was fraud. However, I was charged the {$530.00} back in XXXX. I called CIticard again, and I was told again the credit would be issued back to my account. No credit had been issued till XXXX and I called Citicard to follow up on XX/XX/XXXX. I spoke to a representative named XXXX, who was extremely rude, he told me How could you claim it as fraud, if you had never lost your card. He judged me as a scammer, and I was truly shocked. Escalating the issue to the supervisor named XXXX, I was told that fraud claim had been denied because I had never lost my card, and the transaction was physically made at the store. He was very proud to say that their cards can never be duplicated nor counterfeit. They insist they have PERFECTLY secured security system, even I was a victim. I did my research, and I was not the first victim of these issues with Citicards. They simply deny to investigate their own security system, and blame the frauds to consumers, so they don't have to take responsibility. From the supervisor named XXXX, I received the address, so I could write a letter to Security operations manager. I sent a certified mail to the manager, who has never replied back to me. It was such a traumatic experience with Citi, the company that I trusted for such a long time.

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 2018-12-10
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XX/XX/2018 they said i missed a payment. I have not missed a payment in XX/XX/2018 till this time. I'm a XXXX XXXX and I'm in the process of buying my first house. But it wont allow me to because my credit score is to low. This is a good will letter, to clear all the late reports off my credit with this credit card. reporting to all 3 creditors.

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 2019-04-10
Company: Xtreme Products LLC
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was told by the company XXXX XXXX XXXX that I could pay a certain amount for 6 months and after that my student loan payment would become XXXX dollars and be paid by them for 120 consecutive months. They also said that I qualified for the debt to income ratio as well. I paid them for 6 consecutive months and my student loans reported that XXXX dollar payments and current. Just this month I noticed that the student loan debt went up on my credit report and I decided to call to see what was going on and I learned that this was a fraud company. The payments I made were emailed to me by receipt. I would like to get a refund of the money that I paid to them because the services were not rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: Arbor Professional Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It is brought to my attention that I have a debt on my credit reports due to an ambulance service. I have never used an ambulance to be transported to a medical facility nor have I authorized anyone else on my behalf. I do not recognize this account for the dates that the collector is specifying I had services performed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: CCS Financial Services, Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
The # XXXX robocalls my cell phone on weekdays and before XXXX. When I pick up the phone and answer, the caller does not respond and hangs up after 5 seconds.

Dates and times called : XX/XX/XXXX: XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX: XXXX   XX/XX/XXXX : I called the company and requested to not be robocalled each morning. The company stated they were unwilling to do this without have all account information verified.

I attached screenshots of the robocalls the company made prior to XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: EQUIFAX, 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 status incorrect

Complaint:
To Whom It May Concern, I am writing as I am in the process of purchasing a home once more and discovered on my credit report that XXXX XXXX and XXXX show late payments some years back. I did not have late payments, I ask that the credit reporting agencies promptly provide verification or documentation that there is a valid basis for the claim of late payments on my credit report, or remove these late payment notices from my credit report immediately. 

Specifically, my credit report shows late payments from : XXXX XXXX Customer Service XXXX. XXXX  XXXX XXXX XXXX, TX XXXX Late dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Late date : XX/XX/XXXX As referenced above, I am challenging the late payment notices and asking them to be removed from my credit report at the earliest possible date. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX {$410.00} CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISMISSED XXXX {$0.00} XXXX {$4900.00}

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 2017-12-01
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XX/XX/XXXX I was having trouble making payments on my loans. I was guided by XXXX XXXX into interest only repayment for the next 3 years. I was not informed about any other methods of repayment. In XX/XX/XXXX I again had problems paying my loans, and XXXX XXXX/Navient encouraged me to go into forbearance, which cost {$150.00} every time I had to reapply. I was n't offered any other options. Here I am in XX/XX/XXXX, with a principle balance that is higher than the one I graduated with in XX/XX/XXXX. I feel that Navient had misled me into this situation by only offering or pressuring me towards repayment terms that put more $ in their pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
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: Account information incorrect

Complaint:
I have been trying to have the correct date of 1st delinquency accurately reported and disputed this several times. The results come back as reporting accurately from XXXX, although I keep providing the credit reports from the credit reporting agencies showing on their own report that the date of first delinquency reported is XX/XX/XXXX. 

This negative account should be removed from my credit reports on or before XX/XX/XXXX. 
XXXX reports that the date of first delinquency is XX/XX/XXXX, which adds years to the removal from my account which violates the FCRA timeframes. 

I would like this corrected so that the negative information will be removed per the FCRA timeframe in XX/XX/XXXX. 

I am providing copies of the letters and a copy of an XXXX payment history report dated today, XX/XX/XXXX showing the late charge assessment on XX/XX/XXXX, which corroborates the actual late payment. 


I am also providing copies of each credit report showing the first reported late payment on XX/XX/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 2018-03-23
Company: Asset Recovery Inc
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
the asset recovery company is not the original debtor and some of the debts are very old as well. the medical place that takes care of my bills pays my bills and i pay the deductible. they have threatened to take actions against me n repeatedly call me. the original debtor XXXX no longer exist even. they sign paper work with XXXX and always try collecting more. a form of double billing. these debts asset recovery keeps reporting has hurt my credit like they said they would do. again the original debtor is out of buseness n asset recovery bought the debt and are doing all they can to hurt me financially.

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 2018-03-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at XXXX I deposited {$50.00} in cash ( Sequence # XXXX ) AND again on XX/XX/XXXX at XXXX  I deposited {$11.00} in cash ( Sequence # XXXX ) at Chase Bank . However, I was charged a NSF fee {$35.00}, the following day XX/XX/XXXX According to the Chase Bank Representative, I didn't make my second deposit ( {$11.00} cash ) until after XXXX ( which isn't true ). I requested, to speak with a manager about the unfair assessed fee 's. However, I didn't get anywhere. I then requested, to speak with her manager ( leaving my contact telephone number with the manager ) but was told that the manager would just give me the " exact same '' information. As of today, I have NOT heard from the Chase 2nd manager. I am DISPUTING, the held transaction ( {$11.00} cash deposit ) held until, Tuesday-XX/XX/XXXXas " pending '' by Chase.The monies {$11.00} was deposited in cash and included in my overall " available balance '' at XXXX  onXX/XX/XXXX. However, Chase Bank withheld my cash deposit as " pending '' in order to charge me unwarranted NSF fee 's. I am disputing, Chase 's decision-making @ XXXX  today, XX/XX/XXXX Disclaimer : All information is being submitted for the " sole '' use of this FILED, CFPB complaint. No other use authorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-01
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX, I 've Disputed 5 transactions not authorized or completed by me which details are XX/XX/XXXX XXXX {$49.00}, XX/XX/XXXX XXXX  $ XXXX,XX/XX/XXXX XXXX $ XXXX,XX/XX/XXXX XXXX XXXX XXXX $ XXXX,XX/XX/XXXX XXXX XXXX XXXX {$39.00} on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I currently still have in my possession and I requested a new card since my account number XXXX was used without my knowledge.Customer Service Rep issued me a new card and was sent via next day service.Received new card with new number. But Customer Service Failed to closed that account ending in XXXX and card was continued being charged from previous reported disputed transactions and additionally from new online merchant XXXX and XXXX XXXX without my consent or authorization. I 've tried my best trying to communicate this information to customer service and Level 2 on XX/XX/XXXX after explaining such error they have created and from its mistakes on not closing my account when reported and confirmed by rep transactions were still being completed Several reps just disconnect me from the line or continue transferring me to the same department over and over again until calls disconnects.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-10
Company: CITIBANK, N.A.
State: PA
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:
I placed an order at a merchant called XXXX in their internet website on XX/XX/2019. The company cancelled the order. However, a charge was issued to my credit card which they refuse to remove. My credit card company will do nothing about it.

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 2020-06-04
Company: EQUIFAX, 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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX {$410.00} CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISMISSED XXXX {$0.00} XXXX {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Support Representative, I just discovered this and it has been effecting my credit since XX/XX/2017. 
My family been a customer of XXXX for 15 years and handling this account for almost 10 years paying all of my bills on time. 
I never opened the account that is in collections and marked with XXXX and pay my bills with XXXX on time every time for a decade now. 
I would appreciate if you can help me remove this derogatory mark as it affects my credit history. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation