BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-05
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was looking over my credit report and saw some inaccurate information Of a debt that was already paid and has XXXX balance on them. As a consumer i ask that you remove this information from my credit report because it is ruining my reputation pursuant to 15 usc 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, REPUTATION, or property of any person. 
I attached a copy of my report showing the balance and inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
Company: First Direct Mediation
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They called my mother and my father, and my sister who live in another city. My mother called me yesterday XXXX and told me they told her I have a debt with XXXX  and that theyre taking civil matters. Sharing my information with her.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In my efforts to receive relief from unfair debt collections practices, I have decided to continue to file complaints to all that are supposed to assist in regulating and policing individuals who attempt to take advantage of consumers. Equifax has received several disputes from me about a debt collection company that is listed under US DEPARTMENT OF EDU. I have reached out to the company several times, even having mail returned from the listed address of XXXX XXXX XXXX XXXX XXXX, IL XXXX. I have called their number which is for XXXX XXXX, XXXX. I need to find out the method Equifax is using to validate this alleged debt. A XXXX search to this address reflects a company by the name of XXXX, XXXX XXXX XXXX who was bought by XXXX. I reached out to XXXX XXXX, who is the legal support for XXXX, and he had no answers for me, using my personal data to locate an account. I have spoken with the Department of Education Ombudsman in XX/XX/2021, and they couldn't help, I have looked on the FSA website. I was unsuccessful in finding out who the debt collector listed is, my question is, '' Equifax who are you validating the debt with? '' There is no way you could be responsibly validating this alleged debt. The information listed is incorrect and inaccurate. The account shows the highest balance is XXXX. Payment status is " No Info '' and shows as a " paid collection ''. I am demanding validation. I am demanding to receive the contact information from this debt collector, and Proof of Claim to ensure there is no debt parking on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was shocked when I reviewed my credit report and found this charge off account with Past due balance of {$17000.00} which is incorrect. 

I am not sure how this happened, I even have a clean title showing the total ownership of the vehicle and I have it on my possession. I know it's been fully paid and I owe nothing on this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XX/XX/XXXX, XXXX, XXXX, andTransUnion has not responded to my dispute. It has been drawn out into the open that Credit Bureaus are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. Please block the noteworthy of any unknown Items in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date 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 non-monetary relief
Consumer complaint received 2019-01-22
Company: JPMORGAN CHASE & CO.
State: CA
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:
Chase wrote down a student loan I had with them in XX/XX/2012. They eliminated their student loan unit. They sent me paperwork saying I would now have to pay taxes on the right-off. However, they have since not corrected my credit reports and continue to add statements such as transfered to recovery unit. There is no one to talk to at Chase bc the unit no longer exists. The credit bureaus won't change the info despite challenging myself and with help of XXXX XXXX XXXX. I need help. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: BAM Management US Holdings Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I purchased XXXX tokens from the BinanceUS app yesterday XX/XX/2022. BinanceUS held my funds for 24 hours. After 24 hours were completed I tried to send my XXXX tokens to my XXXX wallet. A prompt told me that I need to wait ten more days. I spoke with the Binance Official Support on XXXX about the issue. The representative told me that I needed to buy more XXXX tokens in order for them to help me. I can't do that right now. I'm rebuilding my life after divorce, and investing in Binance is causing me to need to put my life on hold. I need to be able to move my funds as needed. My purchased tokens are my property ; and the XXXX says so. But Binance is withholding my property from me, and forcing me to buy more. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: MD
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:
During late XXXX, early XXXX of 2021, I telephoned XXXX XXXX XXXX about my personal credit card. My account was previously 60 days past due because I experienced medical issues that I had to shift my monies to ; however, I called and fully explained the issue. 

The representative ( lady, which the call can be replayed ) advised me that I had up until the last day of XXXX to make a payment then my account would be up to date. She later stated once I make a payment of {$160.00} in XXXX my entire account would be up-to-date. I made the payment of {$160.00} from my XXXX XXXX XXXX account as promised. Days later, I received notice from all three major credit bureaus that my status was further delinquent. 

Since all calls are recorded, someone should be able to replay the entire conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Upstart Holdings, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
So I applied for a Personal Loan after i received a Marketing Ad by Mail of which mas misleading with the displayed percentage they were showing i later applied and got approved and have been making payments but struggling since the interest is extremely high and every time make it harder to make payment. The Interest rate i never thought would be so high and so impact. the loan was for {$16000.00} i have made 5 payments of {$420.00} and the principal balance has only dropped to {$15000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
SLS LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX ***THIS IS NOT A DUPLICATE COMPLAINT XXXX XXXX DIRECTLY REQUESTED THAT WE FILE THIS WITH CFPB, OCC , XXXX AND XXXX XXXX  OFFICE. 

The short sale was started XX/XX/XXXX with SLS. ( ( Please see previous CFPB complaints that have been cross-filed with XXXX XXXX, XXXX and XXXX XXXX office, attached. ) ) Today, XX/XX/XXXX SLSs Underwriting Department required a cash contribution from the borrower. This request is a violation of California State Law. Additionally, the borrower is a minority. SLS has no regard for Federal or State Law, nor servicing guidelines. 

**All of this is well after the buyer accepted their most recent counter offer on XX/XX/XXXX. This should never have gone back to underwriting review it should have gone out for an approval, since the counter offer was met. This is just another example of SLS dragging out decisioning to line their pockets with increased default servicing fees. 

SLS has already been fined for these same issues, yet they keep violating Federal and State Law. When is something going to be done about this? 


CC : 1. XXXX XXXX 2. OAG 3. XXXX XXXXs 4. OCC

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 2019-07-11
Company: Experian Information Solutions Inc.
State: OH
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 submitting a complint due the the fact the there are serious error and questionable items on my credit report. First my name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXXXXXX, OH XXXX My DOB XXXX, my SS is XXXX the following address is not mine please delete the XXXX XXXX XXXX, XXXX XXXX OH XXXX. I have a unverified account that I have never done business with this company XXXX XXXX  # XXXX XXXX   # XXXX, XXXX XXXX # XXXX. There is an account that was paid in full and should have been delete as part of the arrangement XXXX XXXX # XXXX this was not honored please delete.

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 2020-09-23
Company: Mobiloans, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received an offer by mail from mobile loan. They offered me a pre qualified loan and at the time I filled out the application online. The result was a denial and they E mail blasted my personal information social security number bank card information all of the personal information you would normally associate with a loan to 68 payday lenders for their review. I felt the tactic was misleading to say the least and dangerous to my personal information to say the most. This kind of misleading advertising should not be allowed. I would like to see them honor the Offer they put out are at least stop these misleading mailers. 
Regards, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-01-22
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been a member of BB & T since XXXX. Back in XXXX I switched my account so I would not have to pay any fees. My interpretation of what was told to me is if I had over four hundered dollars in my savings and kept over 1,500 hundered in my checking my accounts would not be charged. If you look in my checking account, I always had more than that and had my direct deposits sent in there as well. As for my savings, I never touched it. I thought my saving would be getting interest. Isn't that what a savings account is supposed to do? This past XXXX in my statement I saw that my savings was at a zero. Come to find out BB & T has been charging my account a maintanence fee as well as a inactive fee, eventhough my paychecks have been going into my checking account and I have been having automatic drafts out of my account and writing checks to vendors. When I confronted my branch about it, I was told that it was my responsibility to keep up with my account. They said they will look into though and try to get my funds back ; however, after two weeks the branch manager called me and told me that he did everything possible but the bank will not refund me my funds and said sorry. I then contacted BB & T hotline and after talking with the customer service rep that they could refund up to XXXX of the funds. I can't remember if the rep said I would get more of my funds back or not. But I was told that it was my responsibility to keep up with my account. This was a savings account. I did not expect to be charged XXXX a month for fees and have it depleted. I had that as a reserve in case of an emergency.

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 2018-08-09
Company: Nelnet, Inc.
State: GA
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:
In 2017, I submitted a request to have my loan payment reduced. My payment before processing my income driven payment was {$300.00}. Once they completed my request they increased my payment to {$360.00}. The application clearly state in so many terms that if the change does not benefit me they would not change my payment. This is just an example of my experience dealing with Nelnet, they do not have the customer 's best interest at heart. 

When I tried calling back to discuss this with various people, I was told so many different answers, I do not trust them. I called so many times different dates last year. When I did speak with a supervisor, they could not justify why my payment was increased. I just found out how to file a complaint the reason for the delay. Nelnet need to be held accountable for their unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am becoming more and more frustrated I have been trying to remove this fraud alert for some time now. You all have been ignoring my request via phone and Transunion site. I am not able to obtain internet service or any necessary items via credit because of this. I provided you all with identity verification multiple times. If this fraud alert is not removed immediately, I will seek litigation. Your company 's unprofessionalism has cause me pain and aggravation to the highest degree.

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 2021-04-22
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going in order to rightlfully retrieve my funds. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I have no other souce to store my funding and have recvently got out the hospital from XXXX XXXX and used PayPal quite frequently. My email linked to my PayPal is XXXX Re : XXXX ( Reference Number ) Message attached below You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 


Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 


XXXX ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
Capital One pull my credit report 4 times and has drop my credit score 79 points down. They ran my credit on XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. I  have called them several of times and told them that someone is using my information worng. I ask them why they haven't sent a letter out to me so I could have been notified. I DO NOT HAVE ANY ACCOUNT WITH THIS COMPANY. I HAVE ASK THEM REPEATEDLY TO TAKE IT OFF OF MY CREDIT REPORT. I DO NOT WANT THEIR SERVICE. THIS IS WRONG. I HAVE BEEN CAR JACK IN THE PASS AND MY INFORMATION SOME ELSE HAS IT. SOMEONE IS EVEN TRYING TO GET A CAR IN MY NAME this company number XXXX just call and alerted me about this. I have told CAPITAL ONE, that I always since out stuff certified to confirm that it is me. I ask them have they received anything from me that has been certifiable, they replied and said no. I them so why are you going to keep this false statement on my credit when I have alerted you that it fraudulent and it is not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage in XXXX of XXXX. A few months later, a new servicing company, Mr. Cooper took over my loan. Around XX/XX/XXXX, I received a notice from Mr. Cooper that they sent a check to my insurance company to cover my impound account for homeowner 's insurance. I have never had impounds and my loan papers clearly stated as much. I called them and after a very long process involving me and my insurance agent, they agreed with me. I subsequently received a letter stating that they would begin charging me {$120.00} per month to recoup the impounds if I didn't send them the money back. I obtained the money back from my insurance company and sent Mr. Cooper the {$1500.00} they originally sent " on my behalf '' along with letter referencing my account. This month, they charged me {$120.00}. I checked my bank account and they had cashed the check for {$1500.00} weeks earlier. I called Mr. Cooper and they had " accidentally '' applied the money toward my loan. They told me I should have called and checked to see if they did it correctly. I have had to spend hours on the phone trying to straighten this problem out and get my money back and they don't seem to care. They arbitrarily take money without notice and I feel they need to be looked into. Many of my friends and neighbors have loans with Mr. Cooper now and no one is happy with the company and it's " service ''.

Company response to consumer: Closed with explanation