BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-20
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
In XX/XX/XXXX, I had to take out a {$10000.00} loan with XXXX. While I was in school, I was told that I had to make payments, even though I opted out of the option to repay while I was in school. My mother had to pay $ XXXX monthly, because I could not afford the payment, due to me being a college student. Around XX/XX/XXXX/XX/XX/XXXX, I was told that my loan was going to transition from XXXX to Navient. My mother still continued to make payments and I occasionally made payments as well, due to me having a summer job. In XX/XX/XXXX, my loan payments jumped from {$80.00} to {$190.00}. I continuously called Navient, begging them to lower my payments because I can not afford to pay {$190.00}. Representative after representative refused to lower my payments. I have asked for income-driven repayments, Navient told me no. Later that year, Navient cause my credit score to drop XXXX points. I could not get an apartment, because Navient caused a hard inquiry on my credit score. I have recently begged them to lower my payments to {$50.00}, because that 's all I can afford and they still told me no. On XX/XX/XXXX, after calling, harassing and leaving 15 voicemails on my phone, I decided to pick up. XXXX, the representative told me that I need to make a payment or my name was going to go to collections. After I told him that I could not afford to make a payment, he rudely said, " If you work full-time, I do n't understand why you ca n't make a payment. You must make only {$200.00} huh? '' Navient harasses me XXXX. I have blocked over 14 different phone numbers from them, but they still call me from XXXX until XXXX. It 's exhausting. All I want is for payments to be lower, that 's it. They refuse to work with me and I will be grateful if I can get any help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$3400.00} Date Opened : XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
there are many inquires from each of my credit reports that are not mine Equifax XXXX XXXX front point security XXXX 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card service the XXXX XXXX card XXXX XXXX XXXX XXXX XXXX XXXX 3 times XXXX XXXX 2 times XXXX XXXX XXXX XXXX card XXXX XXXX XXXX XXXX I have sent certified letters to all three credit bureaus and they have ignored my request to remove this information that is not mine. If this continues I will take them to small claims court for removal of this incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have accounts with the Webster Bank, but the bank has not treated me fairly. The bank has either used other institutions some of which they are connected with through various services such check writing. When you need a check, the bank tells you that they will order them for you at a fee. Recently, I ordered a bunk of checks at {$26.00}. The Bank returned the payment and charged my account a fee of {$37.00} despite having money in the Saving account. Now instead of paying {$26.00}, I will buy their checks for {$62.00}. Because the bank controls this transaction and they know I cant put stop on it, They want to hit my account several runs to charge me as much fee as they can. A {$26.00} will soon be hundreds of dollars. They did this previously and I ended up paying over {$650.00}, and {$160.00} just by playing some payments I could not control. I asked them and complain about this behavior, but they told me that they are doing it because I have bad relationship with them. I dont owe the bank any money, neither has the bank given me a loan that i refuse to pay, but they have decided to discriminate me and they are telling me on my ears when I aske them today ( XXXX/XXXX/XXXX between XXXX ). The bank is charging me a lot of fee for a personal account, I am a student, a family man in a low wage job!. They say I cant open account in other banks because they have already reported me that I am a riskier customer because I owe them money. This is true because I went to open an account with a credit XXXX Bank, but I could not because Webster Bank had reported that i owe them over {$1000.00}. This happened in XXXX XXXX. This is bad for me, my family and in so doing, the bank means that they can have me to charge any money, and I do nothing about it. My direct pay goes to the same bank ( Webster Bank ). All the fee the bank charges my account is enough for me to pay my student loan. 
Sometimes back, the bank paid {$95.00} to a company I do not know without my permission. When I asked them to refund the money, they have not to-date. The told me to close the account and open another. Any time they excessively charged my account, they will force me to close and open another one. They will pick me money from my saving account without my permission to pay for these charges. They will not even inform me. I need help. I want the bank to remove my name from the bad reporting agencies or whatever they call them and refund all my money even the closed accounts they forced me to close.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have had a state tax line filed on my credit report in XXXX XXXX. While I was living XXXX I had no knowledge of any unpaid taxes. Upon my return to the US, in XXXX XXXX, I paid all taxes and fees. I was under the impression that according to FCRA the lien was supposed to be removed after 7 years of filing. Once the lien was paid and released, i contacted all credit bureaus - XXXX, Equifax, XXXX. The only agency that removed the record was XXXX while the other XXXX refuse to do the same. please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
XXXX, now Navient, has made it very difficult for me to repay my student loans at a rate that I am comfortable with. I have both private and federal loans, but my private loans have been a nightmare to try to settle. I graduated in 2008 and since then, have been trying to work with XXXX/Navient to come to a mutual agreement on what I can pay monthly. After years of receiving multiple harassing phone calls daily, I very hesitantly agreed to payments of over $ XXXX monthly, knowing very well it was going to be extremely difficult to keep up with. I honestly wanted to start paying back what I owed and desperately wanted the harassing phone calls to end. This was my only option for that and the best offer I had gotten in the years I 've tried to settle with Navient. After the first few months, I noticed the payments were not coming out, even though I agreed to a direct deposit from my account. When I contacted Navient, they somehow had the wrong account number and penalized ME for it, adding more to my already difficult-to-make payments so that my account can become current again. After months of this, it was clear that I could not keep up with my payments. I already have very little in my savings and had to dip into them in order to eat some days, which is extremely frustrating as I have made a great career for myself and work very hard for what I make. I contacted Navient to plead with them and try to come to a better agreement. It was obvious that I wanted to pay these loans back, but could no longer keep up with the payments and my savings were minimal at this point. I was told that I " have enough in my bank accounts '' to keep up with the payments and that there was nothing they could do. I pleaded for them to take a second look as my savings could only help me for another 2 or 3 payments before I would be left with nothing and my checking account clearly did not have enough funds. The supervisor was rude and not very willing to help. After " reviewing my finances, '' he decided that I could keep up with the payments and that there was nothing else they could do. I am in a very difficult position now because these are not my only loans, my interest rates are through the roof and I am drowning trying to keep up with all of my expenses on top of the overwhelming amount of student loans I pay monthly. I want to pay back my loans, I am an honest person, but I do feel very taken advantage of by Navient. There is no way that a XXXX. in XXXX cost almost {$200000.00}! Please help. I want nothing more than to settle this and be done with this huge burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am not liable for the XXXX XXXX Account # XXXX. It is my husband 's account. I filed Bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX. I currently should not have any Charge Offs on my credit file at all. The date the first major delinquency occurred was in XX/XX/XXXX for my husband 's account. Instead, XXXX XXXX chose to place the date of filing to re-age the debt this is illegal. They are also furnishing erroneous information disputed to the Credit Bureaus intentionally a violation of my rights under the FCRA. They are showing a Charge Off with a balance due on an account that was my husband 's included in his bankruptcy filing trying to make me responsible for his debt. The attached dispute is the XXXX one is over XXXX days. XXXX XXXX verified the information on the report as valid when it is not. Multiple legal violations of FCRA and of my Chapter XXXX injunction, intentional misrepresentation of a debt to attempt to collect. They added the account after my husband filed for bankruptcy in an attempt to collect the debt - reaged the account and in violation of the bankruptcy injunction for myself are showin 10000+ owed and a Charge Off. This is illegal as is re-aging the account which they also have done. Disputed for the XXXX time after XXXX days with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Dear Sir or Madame ; You have refused to answer and respond to any of my requests once again. The fact that you are still avoiding to respond accordingly to my complains amazes me to this date. 
# 1. Copy of the phone conversation between myself, XXXX XXXX and XXXX XXXX and XXXX XXXX. 
As I Mentioned in my Pervious request, when I started speaking to XXXX XXXX back in XXXX 2015 to apply for my loss mitigation application, he insisted if i am not ready to accept the 5-6 % interest rate on my balance i should n't even try to send my application in. That 's why I have asked you to provide me with the recording of those conversations, which I believe you are trying to ignore. Although I am sending you a complete application in the mail for my loan modification and ca n't wait to have the result back with good news, I am still requesting copy of the recorded phone conversations. 
# 2 ) you keep repeating that your initial Fair Debt Collection Practices, Act ( FDCPA ) was a print error. Since the date on the validation notice was XXXX, 2015 and I was given only 30 days to act on your offer. On XXXX XXXX, 2015 ( 16 days later ) I filed a complain with CFBP that I was NOT getting any written reply as where and how I was suppose to send you a cashier check in the full settlement amount. It took you 15 days later from my CFBP complain and 30 days from the date of Validation Notice that this letter was an error?! 
Clearly I was not Notified of your print error until I already had the loan ready to be send for settlement before the due date. So please respond accordingly and do not repeat yourself. This is a simple question, who is obligated for my financial loss???? 
Finally you have responded that my QWR letter is Overboard and unduly burdensome. It may very well be Overboard and unduly and burdensome to YOU! But this is my right and it 's MY home that I am trying to protect from loosing. Until i receive a Correspondence from CFPB that my request is Overboard and unduly burdensome and its not my right, You need to provide me every single item asked. Clearly you have had plenty of time to prepare the information but have refused it with every chance you have had. 
Please see the attached documents. 
A. The New QWR requirements under the CFPBB. My request to send all documents requested in QWR RESPA letter ( 2nd letter ) I am looking forward to here from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I got a letter that says I owe on a credit card from 2009. It says the got a judgement against me and can renew the judgement, file an Abstract of Judgement, and freeze money in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX This company whom i have contacted repeatedly is doing hard inquires on my credit report.I have asked for them to be removed repeatedly. 
There is someone in Illinois where i lived 10 years ago sending in and applying for multiple credit cards. The above one is the only one who is not responding and keeps hitting my report. All other cc companies have removed inquires. 
thanks

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 2017-01-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have repeatedly tried to explain to my loan servicer, Navient, that I need help in the form of a forbearance or deferment due to extremely dire financial circumstances. I am the sole provider for a husband who has his own heaping student loan debt but who has become XXXX ill. We have declared bankruptcy from other creditors - we were not allowed to include our student loan debt. We are applying for permanent XXXX for my husband and are struggling to cover the basics such as rent, groceries, medications, doctor visits, and medical treatments. There is nothing leftover in a month to put toward a never-ending, ever-escalating student loan debt. Navient, like XXXX XXXX, and other student loan servicers, are no better than banks or other lenders who are unwilling to work with students who, due to unforeseen and tragic circumstances, are unable to make payments. Instead of halting the loan and working with consumers, they pad the total amount borrowed until it becomes an insurmountable financial burden far exceeding the original amount of the loan. It is a terrible practice to lend to students who do not anticipate that the worst may happen in their lives in the way of job loss ( es ), illness ( es ), and other unexpected hardships that anyone is susceptible to experiencing. No one who takes out a student loan to provide a better life for themselves through education plans on one day living in poverty. Students who have borrowed money to complete college and are unable to make a living should not be made into the working poor, should not be made to have to work multiple jobs to make ends meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Had an account with XXXX, closed account with payment in full. I sent back all equipment carefully packaged in their own container at my expense in 2010. One month later, I received a payment due notification of {$25.00}. I called XXXX billing and a supervisor stated that it was for their mailing labels and that I should have waited. I explained that I was not told this and that all equipment was sent expeditiously and that I do n't feel I should pay. After sending in numerous letters of dispute, I never received a response from XXXX and wrote letters to a collection company seeking a new balance. No response. I recently called XXXX with their Bundled services and XXXX is in the package and I was denied service due to the " outstanding '' balance with XXXX. I have attached my notes when I first had this problem of the mailing labels, back in 2010.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My credit report has an entry of my being delinquent on my student loans when I have proof of payment. I am currently unemployed and have been turned down for a job because of the credit issue. I am unable to find employment until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Van Ru Credit Corporation
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Van Ru keeps calling me and mailed me a bill I do not owe from XXXX XXXX Hospital XXXX on a patient named XXXX with whom I have no association and have never heard of. I have never been a patient of XXXX. They had my name, address, birthdate, phone number, and possibly more. 
Van Ru Credit CorporationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-29
Company: XOOM CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My wife and I wanted to travel to  XXXX ,  XXXX  for  XXXX  of   XXXX  . My wife is Peruvian and all of her family is there brothers, sisters, mother, and father which she has n't seen for many years. So we decided to plan a trip myself, wife and my daughter for the holidays. A mutual friend recommended a travel agent she has used once. Thi s Travel  agent lives in  XXXX ,  XXXX  the reason we decided to go with her because she found tplane ticket for a very good price especially for during the Holidays I was surprised she got them so cheap. Anyway we went ahead with the purchase and used a company called  XXXX  which is owned by  XXXX . I sent {$590.00} from my account and my wife sent {$1400.00} totaling {$2000.00}. What happened is just horrible first we never received any plane tickets and did n't travel my wife was very upset and sad by this as was I. So we began to contact the travel agent and she never responded we called by phone, or  XXXX , and also  XXXX  we tried many ways to communicate but we got no response. So I put in a claim with my bank Chase and they told me they ca n't because I would have to go af ter Xoom, So I did I followed all the procedures that Xoom requested and they investigate  d  for about  XXXX  days and they denied my claim of fraud their reason is because I authorized the charge well of course I had to authorize the charge in order to receive a product worst customer service they do not care about you or what happened. I called  XXXX  many times and all I get is getting put on hold for hours on end most times I could n't sit on the phone so long because no one would pick up. I asked xoom to give me their main corporate office and they said they have no phone number to give me. So I called  XXXX  because they own them and they are just as bad as xoom kept on hold and the run around. So I decided to call my bank  XXXX  to get more info and  XXXX  told me to go after the bank they used for the transaction which is  XXXX   XXXX  Bank so I did I am taking them to small claims court to try and get my money back. We worked so hard and long saved what we can to make this trip and just to hear from thes e four major companies and not one wants to return our money is very frustrating and exhausting especially for me a stay at home dad taking care of my daughter with medical issues on top of that having to run after these companies and hearing lie after lie. I have followed all the procedure that they requested even went to the Police Department to file a complaint and it 's still not good enough. All we want is our money returned to us by either Xoom ,  XXXX , or  XXXX   XXXX   XX/XX/XXXX .

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: United Collection Service, Inc (FL)
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received notification from them and was given 30 days to dispute the charge, which I did, and that letter was apparently ignored as the next thing I received from them was a " Credit Bureau Notification. '' I disputed the amount of the original charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation