BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-14
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
From XXXX XXXX XXXX University and the University XXXX XXXX XXXX, I took student loans out in the years XXXX to XXXX for my degree, XXXX XXXX XXXX, in the amount of {$70000.00}. 

I have been trying to pay these loans off for 11 years and have been unable to because of Navient 's unlawful practice. I now owe over {$88000.00} while I have paid over {$10000.00}. 

For so many years I was unable to make payments because of Navient 's unlawful business practices and how they required me to overpay for student loans. 

For example, they wanted over {$1100.00} per monthly payment. I explained I could not pay them that, but that I could pay them {$450.00} per month. They would not accept lower payments and said I could not make them. 

They will not take lower payments that I can afford, so instead I am forced into applying for deferments or forebarance. 

So here it is, 11 years later, and I am in a worse financial situation than before I took my loans and earned my degree. I have applied to hundreds of jobs, but can not get a job with my degree because I have no teaching credential and am not a licensed teacher. So many jobs I applied to told me they would not hire me because I did not have enough teaching experience in my field and I did not have teaching credentials or license. 

This has decreased my quality of life. I can not afford a new car. I am still driving a car that is 18 years old and another car that is 10 years old. They are falling apart and need to replaced, but the burden of these loans is too much. We have had to repair the rusted out leaking transmission fluid lines, rusted gas filters, etc. etc. 

Please help relieve this burden! 

The university should have never admitted me into my program of study because I did not meet their admission requirements - not enough teaching experience and no teaching credentials or license! 

I have not been able to benefit from this loan. It has hurt me and I wish I never went through all the struggle and study to earn my XXXX of XXXX. 

Please help! A XXXX year old with a worthless degree and almost {$90000.00} in debt for over 11 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was trying to buy concert tickets from a girl and she never sent the tickets after I sent her the money. I called XXXX and Zelle and was told I will not get my money back because they do not offer those protections against scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
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: Account status incorrect

Complaint:
During the pandemic I signed up for the Coronavirus relief program with my credit card with XXXX XXXX. I have a document from The bank confirming this, and an additional e-mail on XX/XX/XXXX stating my relief has been extended for 3 months I do not need to make payment for 3 billing cycles. 

Despite this XXXX marked me as being late on my XXXX monthly payment. This is incorrect and is significantly damaging my credit score. 

This has been disputed twice in writing and over the phone with the company. This late payment must be removed from my 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 2020-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. Someone has stolen my identity

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 2016-01-13
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Suntrust Bank has held {$45000.00} in a ledger account and went on notice approximately XXXX XXXX, 2015. There was unlawfully holding funds they were not entitled to. Again two times the same thing happened and on the third check Suntrust exposed themselves by transferring the funds back into my account. I had to retain counsel to protect my interest and was n't even given statutory interest ( 4.75 % ). Suntrust gave me .6 % today when they FINALLY released my funds today for {$45000.00}. Also my counsel took XXXX % because I was totally neglected by Suntrust with all my emails since XXXX 2015 until I had to teatime counsel XXXX 2015. I find this unethical on Suntrust 's behalf and counsel and unfair to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: BARCLAYS BANK DELAWARE
State: TX
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:
When I submitted a complaint To your agency regarding Barclays, as part of the bank 's response, I was uploaded someone else 's credit file. Yes, using this site, Barclays shared with me someone else 's credit file. I tried to call Barclays and only got a voicemail that did not allow me to leave a message.

So, now I am wondering if this person 's credit info now a part of my file? How secure are our credit files? Has Barclay 's mixed my file into someone else 's? 

Simply look on your site, and you will find the file of XXXX XXXX and a letter written to XXXX XXXX uploaded to me. I am not XXXX XXXX. 

What a mess and invasion of privacy.

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 2022-02-22
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My XXXX XXXX was the first to pass away due to XXXX XXXX in XX/XX/XXXX, same month I gave up my career to help support my family needs. I struggled very hard to pay at least the minimum monthly requirement to keep my payment history in good standards with NFCU. But I my credit card still closed an cost a major impact to my credit score. Now Im plan to obtain a mortgage loan to provide a roof over my kids head is at stakes. Also Later this following year My XXXX XXXX an my XXXX XXXX tested XXXX XXXX XXXX in XX/XX/XXXX, another late payment to my credit card. We lost our XXXX in XXXX of XXXX an my XXXX  was born in XXXX of XXXX was tested XXXX XXXX XXXX Therefore l XX/XX/XXXX due to XXXX I lost my job an love ones, so Im asking you to remove all negatives on my Credit Bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
TransUnion previously deleted inquiries and they were added back without notifying me in writing. According to FCRA Section 611, that is a violation of federal law. Please remove all inquiries

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 2020-09-25
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to apply for a mortgage however underwriting is holding me up because a 2nd mortgage that was discharged in 2010 is still showing as " active '' in the MERS system. 

We have contacted the MERS system and they have told us to contact Nationstar Mortgage / Mr Cooper to resolve. However, Mr Cooper states they have no record of the loan and can not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: EQUIFAX, INC.
State: NC
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 did not give consent for all these companies to make inquires on my credit report. I have disputed with the credit bureaus with no assistance. I have been a victim of identity theft and have filed appropriate documents as well. 

This includes all some have multiple entries. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
A customer service agent from  Ocwen  Mortgage presumably in the  XXXX  called me and advised me that I needed to pay {$240.00} to reinstate the mortgage. No methodology of payment was required or provided. I made a payment of {$61.00}, the normal payment, a payment of {$120.00} or twice the normal payment and a payment of {$61.00} all using  XXXX   XXXX  Bill Payment.  XXXX   XXXX  immediately takes the money from my account into a suspense fund and makes the payment electronically to  Ocwen. Ocwen  refused the payment and returned the money electronically. When I asked why, they said that the electronic payment was not certified funds. They demanded that I send a wire transfer immediately. I did so from my bank  (   XXXX   XXXX   )  to their bank  (   XXXX   XXXX   )  costing me {$15.00}. I called in and spoke with  XXXX  ID #  XXXX  and she documented the wire transfer number, but was not able to verify receipt. I asked to speak to a  manager  to verify the wire transfer or to find out why they could not verify it immediately. I was transferred to  XXXX , ID #  XXXX  and asked why she could not verify the wire transfer of {$240.00}. I all got were standard answers and that it would take two days, blah, blah, blah. Sorry, I have been doing wire transfers for about forty years and they have been nearly instantaneous in that time frame. I asked  XXXX  to verify the wire transfer number and she initially refused. I said that  XXXX  said that she added the wire transfer number to my account. All of this transpired on Monday  XX/XX/2017   . I tried to reach the OCWEN Ombudsman, the prior Friday and Saturday, but to no avail. I had spoken to a Customer Service Representative in  XXXX  first thing in the morning and the guy just wanted to lecture me and create further problems. I demanded that this guy be fired.

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 2015-12-30
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CMRE. XXXX XXXX. {$330.00} Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: AES/PHEAA
State: AR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
HeyI would like to know who I can file a complaint with about American education services, AES. I got a private student loan with XXXX in XX/XX/XXXX, they sold it at the end of last year to a company I can not not locate any information on. I have paid off XXXX loan and have been paying on another through them. I called last month and asked if I could have a smaller payment since I had some extra things come up. There rep said I was paid up until XX/XX/XXXX and I could just pay an interest payment with no issue, so I did. Then I started getting emails and phone calls about my delinquent account. I called and was told the XXXX person I spoke with was completely incorrect and that they would put it on my credit in 60 days if not caught up. I have been trying to get extra work and sell things to do that. They could do nothing else to help me but would file a complain on my behalf. I got another letter stating they were going to report it to my credit in 30 days if not paid. I called because now a manager has lied to me as well as a rep. I was told today that it was basically my fault for listening to their rep and that their is nothing they will do to help keep the delinquency off my credit. I would like to know what I can do, that is so wrong and I wont get any extra money until after the 30 day mark. I want them investigated too, maybe they are just as corrupt as XXXX student loans. But they are out of PA not AR .... can you give me any assistance on who or what I can do!! 
Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-28
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Hi, My Federal student loans were transferred from XXXX to Fedloan Servicing in XXXX 2016 due to my application for the Public Service Loan Forgiveness program. 
To start off, my income-based repayment plan was never transferred over to Fedloan Servicing. I was told to apply for the repayment plan again. 
This morning ( XXXX/XXXX/16 at XXXX ) I received an email saying : " Welcome to FedLoan Servicing Based on your interest in the Public Service Loan Forgiveness ( PSLF ) program, we are in the process of transferring all of your U.S. Department of Education owned student loans to us for servicing. Having all of your loans with FedLoan Servicing will make it easier for you to manage your loans and track your progression in the PSLF program. '' On XXXX XXXX, 2016, I received the first email saying : " Your student loan payment is over 30 days past due. 
Contact us today to discuss your options. 
Hello XXXX : Your student loan account is a month past due. That means collection activities will continue. Send your payment as soon as possible to avoid emails, letters, and calls. '' On XXXX XXXX, I made a payment which was due on XXXX XXXX : Payment Amount : {$770.00} Payment Date : XXXX/XXXX/2016 Checking/Savings Account : **** Confirmation Number : XXXX I confirmed to make sure this was taken out of my account. 
I have another payment due XXXX XXXX of about {$300.00} ( I resubmitted my income-based repayment plan a couple months ago ). 
My mother as well as my in-laws both received a call today stating that my loan from Fedloan Servicing is past due. The caller left the actual Fedloan Servicing phone number ( XXXX ). I did call this number just now and kept pressing '0 ' to be transferred to someone in customer service as I did not want to provide my account number or social security number ( I was being cautious ). 
The statements that I am receiving in the mail I believe are the correct statements. 
I have heard the Fedloan Servicing is terrible with a bad reputation and when my loans were first transferred to them, I had an awful customer service experience on the phone. I just want to make sure that this is n't going to effect my credit. I do n't know what is and what is n't a scam at this point. I do n't know if this is just them being " terrible '' or if it is an actual scam.. 
Thank you for your help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27
Company: OneMain Finance Corporation
State: SC
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 XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 states that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX SHOULD NOT BE ON MY CREDIT FILE. IT HAS BEEN REMOVED FROM THE CREDITOR. AFTER MY DISPUTE WAS SUBMITTED XX/XX/2017 AND INVESTIGATION WAS CONPLETED. I RECEIVED A CONFIRMATION LETTER OF REMOVAL FROM THE CREDITOR XX/XX/2017.IT WAS REMOVED BY TRANSUNION.THEN PLACED BACK ON MY CREDIT FILE FOR UNKNOWN REASONS. ALSO LISTED AS A COLLECTION. WHICH IS INCORRECT

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 2022-02-22
Company: Atlanticus Services Corporation
State: SD
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:
There are several cards on my report that I have never received

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: National Check Resolution Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX Sold my debt to someone else and now they are calling my ex boyfriend that he is part of the debt that they are going to do an investigation process. The name of the company is national check resolution. 
This debt is from my business. They should stop calling anybody. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX is taking me to court over a supposed credit card debt that, I do n't recall signing for. I have sent three letters to XXXX XXXX asking to show proof bearing my signature of a such loan with their company with not response. Next I sent another letter asking them to show proof of my signature on anything agreeing to open an account with them with no results. Now I am being taken to court with no discovery of such debt nor information of such a debt paid for by them or bought with an act of sale with XXXX XXXX. Not sure how they are authorized because in the disclosure it states the binding agreement is with XXXX XXXX, I have disputed this bill and the amount. XXXX XXXX is not a bank or credit lender and not authorized to file such a suit from the state of Delaware. The company or attorney 's are in XXXX XXXX an not authorized to practice law for the state of Delaware. I want all actions of lawsuit to cease and stop. I want to file suit against XXXX XXXX for false discovery an not providing proper sale of such said item not bearing my signature of any money owed to them what so ever the attorney 's office is XXXX XXXX XXXX XXXX XXXX. Or XXXX, XXXX XXXX XXXX. XXXX XXXX Louisiana, non licensed to practice for the state of Delaware. Telephone number XXXX -- XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a derotary trade alert on my credit report. Neiman Marcus was reporting a charge/off, with no account number, no balance. Consumer statement did not come from me. See attached.

I called them as soon as I received the alert to discuss the debt. They would not speak to me and said it was chargedoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Experian Information Solutions Inc.
State: KS
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:
Under Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines Page 10-1. I am request you remove this item immediately. XXXX XXXX XXXX XXXXXXXX XXXX account number : XXXX. This account is being reported illegally. 
Accounts must be deleted for the following reasons : -Accounts which have been forwarded or sold to an0ther entity ( Debt Buyer )

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