BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-17
Company: Navient Solutions, LLC.
State: NY
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:
while attending   XXXX   XXXX   XXXX   College my loan originated with   XXXX   XXXX  . somehow my loan servicer changed to Navient ( major Problems ). My loans totaled ONLY around 33,000 i had to complete paperwork in 2014 to  tfr  to Navient. i was told by Navient the FIRST paperwork was incomplete to process it again. so i did ONLY to find out that Navient processed both applications TWICE therefore leaving me with a debt of  XXXX  I have spoken to them i have faxed proof from   XXXX   XXXX   i have faxed financial records from my college and they insist on me paying   XXXX   to them for a school which only cost me maybe 22,000 plus part of my education was subsided by my employer they in turn sent my loan to   XXXX   XXXX   with the continued debt of   XXXX  . i contacted  XXXX  and they right away spotted the error. i feel that Navient is prejudice towards servicing me assistance in this matter they have blemished my credit they have caused me to incur higher insurance and higher loan rates. My  XXXX  is beyond what you can believe i am receiving demand payments of   XXXX   per month in which i can not afford on a salary of  XXXX  i really need someones help next i will be garnushed because of someones elses error .... please help me .... my contact there was   XXXX   at   XXXX   XXXX   XXXX    also a lady named   XXXX   .... and now they have blocked my calls all together  ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I logged in my credit report XXXX XXXX 2016 and my mortgage late payments were removed and now they are back on there which has brought my credit score down.

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 2015-12-09
Company: MORTGAGE LENDERS OF AMERICA
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had put in that I was interested in a mortgage with XXXX. I was inundated with emails from XXXX XXXX even though I never responded. He called many times until I finally answered. Although I told him I was not interested in a VA loan he would not let it go and I had to finally be rude and cut him off to tell him I was done with him. When a customer says they do n't want to do something then that 's where it should stay.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-07-17
Company: JPMORGAN CHASE & CO.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from a woman named   XXXX   XXXX   claiming she was representing Chase bank. She attempted to get me to acknowledge and make payments on prior debts of my deceased grandmother. Upon asking this woman for detailed contact information including the firm she represents she would not provide it to me. Only a phone number. I do not believe she or her firm is a legitimate debt collector or attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Experian Information Solutions Inc.
State: IL
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 've reached out to the credit bureaus to dispute an account listed as "  XXXX  '', and currently collecting under   XXXX   XXXX   XXXX  , that I am unfamiliar with and have disputed this account since it is not mine and have been unsuccessful. I have no knowledge of this particular account.

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 2017-07-17
Company: EQUIFAX, INC.
State: IL
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 recently disputed the unknown/unauthorized credit inquiries, that are listed in the attached documents below, on my credit report and was advised that the information is correct and to contact each individual creditor for assistance. I should n't have to take the time to update each individual creditor when I should be able to dispute and get this handled through the credit reporting bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
The following dates are when I made contact with Transunion via latter disputing inaccurate information on my Credit Report. On or about XX/XX/2016, on or about the XX/XX/2016 ( Certified Mail ) & on or about XX/XX/XXXX. On or about XXXX/XXXX/16 I called Transunion requesting an update on the status of my disputes and the Representative informed me that they are still being investigated. I replied by saying that it has been more than 30 days since my dispute. I was told to be patient and that my disputes were being investigated. Approximately 1 week letter I got a letter from Transunion AT MY HOME ADDRESS stating they will not investigate my disputes regarding the " Inquires ''. The next day I called Transunion and the Representative confirmed what the letter stated. Furthermore, the Representative told me IT WAS MY RESPONSOBILITY to contact each establishment and have them send me a letter stating that the inquiry need to be removed from my Transunion Report and once I received that letter I can forward it to Transunion. On or about XXXX/XXXX/2016 my neighbor visited me at my home and gave me a letter sent by Transunion to her residence with my name on the envelope. The letter was regarding that they did not have my up to date address and until then a proper investigation will not be conducted ( If that was a true statement why did Transunion successfully send me a letter to my HOME ADDRESS/RESIDENCE on or about XXXX/XXXX/2016 ). Based on this incident it is reasonable for me to think that this is a tactic being used by Transunion to delay in doing a proper investigation to determine if the information I disputed are in addition to bringing into question the quality of their investigation. Transunion has my accurate address. Please note that my first contact with Transunion has been more than 60 days ago. Supporting documentation are available upon request.

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 2017-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 notified Transunion about some inquiries that were not authorized by me. I wrote a letter to them stating this and I never received any follow op informations regarding their actions. I also called them and they did nothing to help me.

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 2017-07-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I recently requested my credit reports and discovered a {$720.00} collection account ( account #   XXXX   ) being reported by   XXXX   XXXX   XXXX   in   XXXX   2017 for   XXXX   XXXX  . I was not properly notified of this debt, and therefore, was not able to request proper validation for this debt as it is past 30 days. As they are in violation of the FDCPA, specifically ( 15 USC 1692g Sec. 809 ( b ) ), I disputed this collection account with all  XXXX  credit reporting agencies to have it removed. This account came back as validated, and I believe this debt was illegally reported.

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 2022-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am not able to open up a bank account due to someone using my information for fraud.

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 2016-08-15
Company: DISCOVER BANK
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
In XX/XX/XXXX my husband and I opened up a Discover credit card..we were never late until our infant daughter passed and we had many unexpected bills to come up. This account got a few months behind and was charged off. However in XX/XX/XXXX the account was paid less then full but {$400.00} ( we owed I think XXXX ). However, DISCOVER are STILL REPORTING IT as past due/late EVERYMONTH even though the amount was " settled for less then amount ''. They have really jacked my credit up for YEARS NOW and we had NO CLUE until recently when trying to refi our house we were told about it! I could not believe this! I do have a letter stating where it was paid in exchange for the lesser amount! I also have the offer letter then sent me as well BUT THEY ARE ILLEGALLY REPORTING STILL that its still " late '' every single month and have done so since XX/XX/XXXX!!! FOR 6 YEARS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Capital One 360 Checking account i n  XX/XX/XXXX  of th is year. I have an online bank that I use but wanted to change to a more reputable company. I did a   XXXX   search to see which banks are offering promotions. I came across Capital One and they had at least 5-6 promotions they were running. I applied for a checking account that included a {$400.00} bonus. The requirements for this bonus were that I needed to make 2 direct deposits of at least {$250.00} or more within 60 days, accept the terms and conditions and be the primary account holder. It also required putting in a code of  XXXX  when completing the account, which I did and it was ACCEPTED BY CAPITAL ONE. After my 2nd deposit I called Capital one to see when I can expect my new account bonus. I was told that since I was not in a targeted area, I would not receive it. I explained to the representative that this was never explained to me and besides the system accepted my code and never said anything about being targeted. I have talked to so many people and even emailed the CEO  XXXX  and the customer satisfaction team with no resolution. They keep blowing me off. I know for a fact that people all over the United States are receiving this new account bonus. I was able to find that out online from a   XXXX   search.
Capital One 360 Checking Account Summary : Apply Now Account Type : 360 FREE Checking Account Maximum Bonus : {$400.00} Availability :    Nationwide (  DOES NOT SAY TARGETED AREAS!! ) Expiration Date :  XXXX / XXXX /2017 Soft/Hard Pull : Soft Pull Credit Card Funding : Unknown Direct Deposit Requirement : Direct Deposit is Required of at least $ 250+

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Huntington Bank has been the worst customer experience I have ever had. It's ridiculous that a bank of their size doesn't have the appropriate SOPs to vet or assist a new customer. They froze my account because they expected fraud which some people I spoke to said it wasn't and other people said it was. They shut down my online banking account, cashed my check, held my funds and now are saying they are deciding to close the account because it is a risk, however, they won't give my money. They said they can't get a hold of the issuing bank which is crazy. I okay with closing the account because I don't want to do business with a bank like this but I need you to release my funds. Asking me to get some documentation from the issuing bank doesn't make sense because I didn't need that for you to cash my check. Give me my money and we can part ways. You have already caused bills not to be paid and late payment fees that I have encountered. I will be contacting the CFPB, XXXX, OCC and whoever else until you give me my money back as soon as possible. This is my hard earned money and you can't hold it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-17
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern, Per your web site, you report that any account more than 2 years old based on the time since last delinquency, you stop reporting to the Credit Bureaus. The account you have claim I owe {$570.00} and last delinquency reported  XX/XX/XXXX , yet you still are reporting it. I have disputed this with you on multiple occasions and to provide me a signature of proof that this is indeed my account. Your company did not reply in a timely manner to both letters I sent and which you signed for, one on XX/XX/XXXX  and the other on  XX/XX/XXXX . By not replying in a timely manner to my initial letter you signed for on  XX/XX/XXXX , you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I sent an international money transfer via MoneyGram to my father in XXXX, I received a notification few minutes later stating that the transaction was cancelled and the funds were already taken from my account. I been reaching out to Moneygram and they keep stalling to refund me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Experian Information Solutions Inc.
State: LA
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 notified   XXXX   about some inquiries that were not authorized by me. I wrote a letter to them stating this and I never received any follow op informations regarding their actions. I also called them and they did nothing to help me.

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 2017-07-17
Company: EQUIFAX, INC.
State: LA
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 notified   XXXX   about some inquiries that were not authorized by me. I wrote a letter to them stating this and I never received any follow op informations regarding their actions. I also called them and they did nothing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am in process of refinancing my mortgage with a new lender ( XXXX XXXX ). In the process of doing so my mortgage servicer ( hsbc ) had been changed to a new servicer ( XXXX XXXX ). When XXXX  requested my payoff amount from XXXX the amount was over 277,000. My credit report and monthly statement has it listed as XXXX When I called XXXX and have they both could not tell me when I incurred the roughly 25,000 extra. XXXX says they no longer have info and XXXX has it. My problem is I need to know when this extra money was incurred, why and whom approved it ( do they have a signed agreement? ). Please help me get an answer as to why the extra monies are owed and under what proof do they have that I owe it. Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: DISCOVER BANK
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For 8 months I worked with Discover Home Loans on a mortgage. They approved my initial request, locked in the rate and gave me a " close on time guarantee. '' At one point I asked to increase the amount of the loan ( when I was worried my house would n't sell before the new house was done ). I was told that increase was approved. Then my house sold and I requested that they go back to the original amount approved. That was 2 months before closing on my new house. They continually assured me that my mortgage was approved. Before XXXX XXXX, 2015 they knew the closing date of XXXX XXXX, 2015. They failed to close and my family was left without a place to live. On XXXX XXXX they failed to close because their paperwork was not ready. On XXXX XXXX they failed to close because there was an error in the amount of the loan. On XXXX XXXX they failed to close because they had the wrong zipcode on their paperwork. On XXXX XXXX they failed to close because they could n't get their work done. On XXXX XXXX I borrowed from my retirement plan and settled on the new home -- because my family was left homeless by the " game-playing '' and failure to follow through of Discover Home Loans. I want everyone to know of the nightmare they put me through. I have extensive documentation to prove what I am saying. The settlement company said they have never seen a customer treated so badly. This was abuse and something should be done to stop them from making promises they ca n't keep. The " {$1000.00} guarantee '' that they will close on time is worthless because they only pay out if you stay with the abuse and close with them. It is a racket and should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: EQUIFAX, INC.
State: VA
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:
This letter is to inform you that   XXXX   has failed to respond to my phone inquiry dated  XX/XX/XXXX  regarding unknown inquiries on my credit report. Since that time, there have been additional inquiries that have appeared on my report. As a consumer, I have the right under the FCRA to have these unknown inquiries removed accordingly. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer ; -  XXXX   XXXX   XXXX   ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   , OH  XXXX  -  XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , VA  XXXX  -  XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , VA    XXXX  -   XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , UT  XXXX  - XXXX /  XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , SD  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Experian Information Solutions Inc.
State: GA
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: Problem with personal statement of dispute

Complaint:
On   XXXX   XXXX  , I contacted the   XXXX   credit reporting agencies,  XXXX ,  XXXX , and Experian to ask to remove only the dispute for   XXXX    acct per my lender request.   XXXX   is the only agency that removed all my disputes that was not what we requested, all other disputes were removed without my permission by  XXXX . The call confirmation number is #  XXXX . I had been working with   XXXX   XXXX   XXXX   on my credit for over a year and a half. Also, most of the disputes were started last year and the accounts that did not return a response should have been deleted off my credit report.
Once  XXXX  did INCORRECTLY removed those disputes the accounts were so call sold to collections companies that are now on my file. These accounts should have been deleted because they did not response in time to my disputes. Now I would have to start my filing of these disputes all over again which is not fair to me as a consumer since I DID FOLLOW PROCEDURE ALREADY.

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