BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-04
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX, I submitted an e-mail to Navient through its website, after submitting yet another deferment request for the period starting XX/XX/2020, after receiving a response that denied the first deferment request and that stated that they never received documentation of receiving unemployment benefits for that same time period. I DID, in fact, submit proof of unemployment. I also noted that I was told in my first CFPB complaint that I could be refunded my payments for that period after submitting a deferment request. ( In my first complaint, I noted that Navient denied receiving a deferment request for that time period, when I, in fact, DID submit the deferment request for that time period. ) After submitting the financial hardship deferment, I submitted proof of unemployment benefits immediately after ( again ). 

Navient is once again denying deferment for that time period, and that ( once again ) they deny receiving documentation of receiving unemployment benefits. 

Isn't a servicer of federal student loans held to a higher standard than this? 

Please see attachments. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX .... Balance : {$600.00} ; XXXX XXXX .... Balance : {$18000.00} ; XXXX XXXXXXXX .... Balance : {$6900.00} ; XXXX XXXXXXXX .... Balance : {$10000.00} ; XXXX  XXXX .... Balance : {$5300.00}

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 2021-02-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sir/Mam, I initially filed a complain regarding fraudulent charges on my closed credit card. My complaint reference # is : XXXX. The collection company responded, and it says the file is closed, i am just wondering what is the status of my complaint? is the dept removed from credit history because i do not owe this charge. 
The collection agency has provided w/ the credit card statement and it shows that the charge XXXX {$100.00} XXXX was placed on the account on XXXX XXXX, XXXX XXXX late charges accumulated over time up to {$220.00} at later dates ) and seems like an online transaction, but i am outside the United States since XXXX. 
Can you please help me and remove this charge from my credit history? 

{$220.00} is not a big amount i would have taken care of it if it was genuine charge and a purchase done by me, but this is fraud and i did not make an online purchase nor this is my charge. 

Kindly please help and guide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I SENT SEVERAL LETTER TO THIS COMPANY AND THEY HAVENT RESPONDED TO ANY OF MY NOTIFICATIONS. ( LETTER SENT XX/XX/20 ) I HAVE SENT NOTIFICATIONS TO THEM VIA CERTIFIED MAIL THAT shows THEY RECEIVE THE LETTER. I HAVE REQUESTED THAT THEY VERIFY THIS INFORMATION CLAIMING A DEBT THAT I OWE THEM IN WHICH THEY HAVE NOT DONE SO YET. THEY HAVE NOT RESPONDED TO ME IN WHICH THEY ARE REQUIRED TO RESPOND WITHIN 3O DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
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:
On XX/XX/2020 I sent a letter regarding inaccurate inquiries and other items on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being ignored, and this is taking a toll on my financial freedom. Section 611 ( a ) states that a failure to investigate items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted immediately. I insist these accounts be deleted immediately or I will file for litigation due to the unnecessary stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a home mortgage with Suntrust Bank. They keep emailing me sensitive private information via unsecured email. This creates a risk that I can have my identity stolen or became a victim of a fraud. I attach a screenshot of an excerpt of such an email, in which I manually redacted out the said sensitive private information. I have already requested that they stop doing so, and I was told that they would stop, but they keep emailing me said sensitive private information via unsecured email. 

I filed a complaint with CFBP, case number XXXX. 

The Company replied that they removed my email address form their system and that I would not receive any emails from them.

As a result, CFBP closed my complaint. 

However, despite what the compamy replied, I received earlier today the same message as before emailed to me at my email address that they claimed they removed from their system. 

I attach a screenshot of an excerpt of such an email, in which I manually redacted out the said sensitive private information.

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 2020-05-22
Company: EQUIFAX, INC.
State: UT
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 previously submitted this complaint ( ID XXXX ) : " Equifax is denying me the ability to log in to my account in order to control things like freezes and other settings. They verified my information with lots of questions about SSN, birthdate, loans, etc. They then told me that I was unable to login to my account because they couldn't verify some information I had entered during the account set up process. I asked what the issue was and they refused to tell me. I offered to provide the information or verify anything they needed, and they refused to do so. They said that they would never, NEVER, let me log in to my account online. They said that I would have to make any account changes by phone ( hours long waits ) or fax ( don't have a fax machine ) until the end of time, they would never stop refusing to fix the issue. I was told I would never, ever be allowed to use my online equifax account. I was refused any explanation or to speak to someone who could help. They are holding my credit account hostage by not allowing me to control it. '' The response I got from Equifax was : " Thank you for submitting your complaint through the CFPB Complaint Portal. Please be advised no specific dates were provided regarding your date range lift. As as result, Equifax has lifted your Security Freeze for 15 days, commencing on the date of this letter. If you would like to shorten or lenghten the 15 day timeframe given. If you have any additional questions, you may call ( XXXX ) XXXX or you may visit www.myequifax.com. Here you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and your myEquifax products. '' As you can see the company did not address my complaint at all. I was not asking for my credit freeze to be lifted. I am asking to be able to log into my account. They then suggest I can create an account, however as my complaint stated I already have an account and am being denied the ability to log in. 

To be clear : I need access to log into my account. I DO NOT need a freeze adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello CFPB Staff, May you be well and safe. This is a two-part issue. 

( 1 ) I owed {$4300.00} to Chase Bank Card Services ( XXXX XXXX XXXX XXXX, DE XXXX ). My credit report indicates that this account was closed XX/XX/XXXX. However, I was actively paying this balance off through XX/XX/XXXX via my online Chase login. When logging on in XX/XX/XXXX to make a payment, I didn't see this particular account on my profile. Chase gave me no warning that they were closing this particular account. I called customer service and they could not give me a good reason and basically indicated that I was taking too long to pay. Therefore, I would like Chase to make this particular account active again and to remove any derogatory remarks from my credit report. 

( 2 ) On XXXX  XXXX, XXXX I made paid {$2100.00} to XXXX XXXX XXXX ( XXXX XXXX TEL ID : XXXX ). I think they violated contract law because at no time did they indicate to me that I did not have to do business with them. I felt stressed, pressured, and extorted as they said I had to choose payment option A or B. I did not know that I had option C, not to do business with them. But I did pay them and no derogatory remarks were supposed to be placed on my credit report concerning this particular account. Therefore, I would like XXXX to give me back my money or do what they need to do to make sure no derogatory remarks associated with this particular account appears on my credit report. 

I seek remediation and rectification. Thank you for your help with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX is the loan processor for my mortgage. However, the owners of the note is Bayview Loan Servicing, now Community Loan Servicing. I am a small landlord and occupy one of the units in my 5-unit building in XXXX XXXX CA. My day job is XXXX XXXX XXXXXXXX, so I am far from wealthy. I live in a poor part of XXXX XXXX and I serve the housing needs of 4 minority, low-income families that have been in the building for years. After the pandemic started, my tenants had trouble paying rent, and I had to ask XXXX XXXX XXXX for a forbearance starting from XX/XX/2020. They consented. In XX/XX/2020 I submitted the paperwork request by XXXX XXXX XXXX to initiate a loan modification. After many calls with disparate customer service agents and many hours on the phone with XXXX XXXX XXXX, I was able to ascertain that the final decision rested with Community Loan Servicing. After many more hours on the phone with their customer service agents, I was referred to XXXX XXXX XXXX XXXX, XXXX ) who never answered the phone and didn't answer my voicemail messages for weeks. When he contacted me, he did so just to tell me that my account was under XXXX XXXX ( XXXX ). I was able to speak to XXXX XXXX twice on the phone in XX/XX/2020. He said that Community Loan Servicing was not capable of handling deferments at that time and that I had to wait for them to be able to do so, thereby depriving me of my rights under the law. I told him that I had the right to apply for a loan modification under the law but he dissuaded me from doing so. I then requested to speak to his supervisor. He said he would put me in touch with that individual, but never did. He also refused to give me his telephone number, and has been unresponsive to my numerous emails ever since. Because of XXXX XXXX neglect of duties and unresponsiveness, I am unable to proceed with my loan modification. I am accumulating massive amounts of debt and I am afraid I will lose my building, but I have no one to help. I am asking you to please intercede for me with Community Loan Servicing so that I may be able to proceed with the loan modification I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts 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 2018-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Several people from this place called my phone and my husbands, claiming to be working for Capital one and XXXX XXXX XXXX wanting me to pay an old Capital one debt. I asked them to send this in writing. They did not. They tried several times to collect money from me over the phone, saying that it was not handled properly and that I owe Capital one a lot of money. They said I have to make arrangements. I was connected to several different people. I am XXXX and would appreciate them leaving me alone when I asked them to. I asked for something in writing and they said they would but instead keep calling up to 5-10 times a day telling me to call immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started disputing this company since XX/XX/2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this. 

Collector sent me a basic print out of medical bills on their system. That isn't proper Validation. By law if you cant provide proper documentation then accounts needs to me removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage provider Bayview Loan Servicing. On XXXX XXXX, XXXX I made my payment of {$770.00} via their automated line. the payment was processed and withdrawn from my bank on XXXX XXXX, XXXX. In the beginning of XXXX Bayview stated that the payment was returned as a " not authorized debit ''. I was in contact with my bank and reviewed my bank statements and the money was withdrawn. I disputed it with the lending institution and was told i needed to provide bank statements as proof which I did. I have made four attempts to resolve this matter with Bayview. Each letter or call I make they request more information including several months of bank statements, requesting that I send proof directly from the Bank 's fax number as opposed to my private fax, all of which I have obliged. I went as far as getting detailed advance search from my bank detailing the payment being withdrawn, showing the ACH trace number proving that in fact Bayview did receive payment. The last call I made to my mortgage provider the customer service rep reviewed all the documentation and agreed they did receive payment and attempted to resolve my getting me over to the manager of the escalation department, the attempt was denied. The last denial of resolution letter I received now stated that the reason for the returned check is now due to a " closed account ''. I can assure you my checking account is not closed as i have made all of my current mortgage payments from that account. I have been in contact with my bank on several occasions assuring me that they have received payments. I am at a loss of words and am appalled that this situation has yet to be resolved after providing all the evidence that payment was remitted to BayviewLoan Services. This is affecting my credit report negatively as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
After reviewing my most recent credit report on XX/XX/2020. I notice that both Transunion & XXXX  is currently reporting accounts that we're removed or deleted In previous months. Please see attachment. 

Old account under the name : XXXX XXXX XXXX XXXX. Original creditor : XXXX XXXX XXXX XXXX  ( deleted ) in XXXX of 2020 New information being reported as follows ; XXXX XXXX XXXX XXXX ; original creditor ; XXXX XXXX  XXXX ( violation ) Notice ; the company changed or switch the name of original creditor and resubmitted account intentionally the damage my credit ratings. this is fraudulent, misleading, inconsistent, Unverifiable, And inaccurate a violation of FCRA rules. 

Violation : for reinserted in and around XX/XX/2020 without 5 business days notification as required by federal law.

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 2020-07-06
Company: MORGAN STANLEY & CO. LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted Morgan Stanley in XXXX to apply for a 3-month forbearance on my loan # XXXX and they were able to apply a 3-month forbearance on my account. Upon further follow-up on XX/XX/XXXX, I was told that they would provide me with an additional 6-month forbearance so that I would not have a payment due until XX/XX/2021. Unfortunately, the representative gave me the wrong information and actually did not even process the second forbearance request. I followed up on XX/XX/XXXX and was told that the previous representative had misinformed me and that they were only doing an additional 3-month extension. In addition, I was sent a letter that my original forbearance plan had been canceled on XX/XX/XXXX, which was not initiated by me. I wanted an extension not a cancellation. I agreed that I would like to have the additional 3-months applied at that time as they did not give me a 6-month option ; however, it is now XX/XX/XXXX and I still have not received confirmation that the 3-month forbearance extension was applied. I keep receiving notices that I have " DEFAULTED '' on my mortgage obligations but I was told by several Morgan Stanley Home Loan representatives that the non-payments would not be reported on my credit report. I am concerned that Morgan Stanley has reported a default and/or late payment to the credit reporting agencies when they specifically told me they would not be reporting these as late payments and/or any derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20
Company: EQUIFAX, INC.
State: NM
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:
My name is XXXX XXXX. I would like to submit a complaint about Equifax. I was looking at my credit score. I found a credit card that has been reporting as opened XX/XX/XXXX I have never had this account. Last payment XX/XX/XXXX. 
I called XXXX XXXX they have no record of the account. So it is an Equifax error and I want it removed from my credit score immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: EQUIFAX, INC.
State: MA
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:
I was going through my credit report on below XXXX negative accounts that were included in XXXX public record. However, Im really concerned about your method of investigation because they continue to report several and multiple inaccuracies, misleading and incomplete info, and those items account status were never updated. The accounts shows different dates of last active, different last payments, inconsistencies of payment history, questionable HIGH CREDIT balance, and incorrect payment status. How is it even possible that you conducted a truthful investigation? How come the comments on this account never said that the consumer disputed. Due to these inaccuracies, and misleading information. Therefore, Im demanding that you completely DELETE these accounts below.

Company response to consumer: Closed with explanation