BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-03
Company: Navient Solutions, LLC.
State: PA
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:
I am having issues with my loan servicer " Navient '' according to the federal student loan site I should be able to do the following. 
" Can I pay more than my required monthly payment? 
You can make payments before they are due or pay more than the amount due each month. Paying a little extra each month can reduce the interest you pay and reduce your total cost of your loan over time. If you want to ensure that your loan is paid off faster, tell your loan servicer that the extra you pay is not intended to be put toward future payments. 
However, Navient will not allow me to apply additional moneys paid each month to principle. For example my XXXX statement has a monthly payment of XXXX due XXXX/XXXX/16 which XXXX should be interest the balance XXXX principle. I made a payment on XXXX/XXXX/16 20 days early. My account was credited as follows XXXX interest XXXX principle i have contacted and tried to work with this servicer to be able to pay additional principle. In addition to this issue they recently lowered my payment from XXXX to XXXX this only severs to make the loan longer there by earning more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited XXXX dollars into atm in XXXX XXXX at bank of america on XXXX. I inserted cash into atm and it started counting money and then computer screen froze and shot out my card and didn't get a receipt or anything .so I went into bank and told the manager and they said you aren't going to like my answer but I have to call claims .so I did and they said it can take up to 45 days to receive my money .it was cash it should be available right away .my bills are going to cause my account to be overdrawn and they don't seem to be caring

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 monetary relief
Consumer complaint received 2022-09-15
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am being contacted by a debt collector attempting to collect a paid debt. They have sent me a statement with no proof to support their claim. They are stating I owe a paid debt. I dispute the validity of their erroneous claim and demand they validate it and cease all communications and efforts to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Mobiloans, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2019, I filed a dispute with XXXX  concerning my MobiLoans account that is on my credit report. MobiLoans was involved in a class action lawsuit, along with several other lenders. As part of the class action lawsuit, MobiLoans was supposed to remove their information from consumers credit reports. XXXX  said they verified the information as accurate, which is impossible, because how can XXXX   verify this information as accurate, when a court order says it has to be removed. Either way two parties are at-fault here. Mobiloans is at-fault for not removing the information, and XXXX is at-fault for verifying something as accurate when it isn't.

Company response to consumer: Untimely response
Consumer complaint received 2016-03-01
Company: Credit Karma, LLC
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Tried to open an account at creditkarma.com, and it stated that the information that I had entered did not match their records. I have never visited or entered my information on that site before, or any website of that kind.

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 2020-01-03
Company: Experian Information Solutions Inc.
State: OH
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:
Today, XX/XX/2020, I checked my credit file and noticed I have 14 unauthorized hard inquiries. To my knowledge I have Never signed any documents authorizing these companies to pull my credit. I am working individually with each company to get them removed. 

These unauthorized inquiries are in violation of the Fair Credit Reporting Act, Section 1681b ( c ). Since these inquiries are unauthorized I have filled an Identity Theft Report with the FTC.

Included with this complaint are : FTC Identity Theft Report, Letter to Experian, FCRA 605b, Drivers License, Social Security Card, and Proof of Residency. 

These forms are to serve the purpose to identify myself which are required by the FTC for my Identity Theft Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have reached out to all of the Credit agencies And they said everything was accurate but upon my investigation and research theres nothing consistent or accurate. 

In accordance with the Credit Reporting act XXXX XXXX Account # 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 a 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 2016-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had an equity line of credit with BOA ( Bank of America ) in the amount of {$120000.00} payoff due in 15yrs. which I used {$25000.00} of the funds. Within that time {$100000.00} was put on freeze, therefore, I could not use that money. Within the 15 yr. period of time I paid back {$20000.00} leaving me a balance of {$4100.00} unpaid, from the initial {$25000.00} used. As of this date the {$4100.00} has been paid off. BOA is telling me that I still owe them the {$100000.00} from my XXXX. line of credit. I was offered a second line of credit for the XXXX which I took because I still owed them {$4100.00}. About a year later after paying the {$4100.00} owed they 're saying I still owe the {$100000.00} which I never used. This I do not understand. How do I owe money never used. Thinking that they offered me a second line of credit, they gave me another mortgage which included the {$100000.00} called XXXX ''. When I got my first equity line BOA paid off my first mortgage which was around {$30.00} something thousand dollars. I did call BOA several times with no avail. Specifically, on XXXX, XXXX I spoked with XXXX a BOA rep. I informed him that I was deaf and hard of hearing and he got frustrated with me. I then asked him what was the initial pay-off amount BOA paid, if anything this is what I would owe, and he would not tell me, and said " Lady you owe the money ''. My response to him was how do I owe money that was frozen and never used? This is when he hung-up on me. In conclusion, If I do owe any other money to BOA it would be the original pay-off amount not the {$100000.00} they are trying to make me pay with a new mortgage. I pray this matter is resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a credit card with Discover Financial, I XXXX of 2022, I called into to Discover, spoke with one of their Account Representatives to make a payment on my Discover Credit Card. The person processed my payment using my standard payment method to make a {$5.00} payment, and they would applied a credit that I had on my account, {$13.00} to make an {$18.00} payment and payoff the outstanding {$18.00} balance on the account. I was told by the AC that the payment was made and the balance was now {$0.00}. 

In XXXX I received a notice from XXXX Credit Reporting Services that my Discover Card payment was over 30-day 's past due and as a result my credit score was reduced from XXXX to XXXX. I immediately called Discover to report the error. I spoke with another Account rep who told me that they made an error and that the payment, the credit portion of {$13.00} was never processed and so they reported the account as over 30-day 's past due. I explained that the error was on them and the account should have never been reported as 30-day 's past due. I told them that they needed to contact all three National Credit Reporting Agencies, XXXX, XXXX and XXXX to correct the error. They told me there was nothing they could do. I also told them that I was in the process of refinancing my home and that the error would cause me to lose the low interest rate that I had been approved for and result in me having to pay thousands more in interest cost. They told me there was nothing they could do. 

I then contacted the Corporate office for Discover. I spoke with an gentleman named XXXX. I explained the situation and the damage their miss reporting had caused me. XXXX agreed to look into the situation, and told me that yes, they had miss reported the payment history. He told me that they would investigate my complaint further and respond with their findings. A month or so later I received a letter from XXXX, The Executive Office of Consumer Advocacy saying that their investigation was complete and that they reported the account in error. It also said that the would send the updated correct payment history to the Three National reporting Agencies. I then explained to his that as a result of their error resulting in a significant drop in my Credit Score that I lost the low interest rate that I was being considered for and had to cancel my application. Interest rates shot up and I lost the opportunity to refinance at a low interest rate costing me thousands in additional interest cost. 

I'm seeking monetary dames from Discover resulting for this error. They took a very cavalier attitude relative to correcting this error. Over a month went by before they made any effort to correct the error even though I told them what was at stake.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Paypal Holdings, Inc
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
I made an ebay purchase on XXXX XXXX 2015 through paypal to the XXXX for {$370.00}. Paypal billed my paypal account associated with ebay AND my paypal credit card account. Discussions with paypal go something like this, they say to call paypal if I call the credit card section and vice versa. I suspect this is the tip of the iceberg and I am not the only one being cheated our of my money. I felt when I talked to the XXXX arms of paypal the system was rigged to never refund anyone any money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a record of this account that ever belonged to me. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: EQUIFAX, INC.
State: AL
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 received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX ( or XXXX XXXX - not sure ) acquired my mortgage from my lender ( earlier servicer was XXXX ) late last year and I have had nothing but trouble since then, including the continued pursuit of foreclosure after I reached agreement on bringing my payments up to date ( I was late on XXXX payments ). The loan has now been brought current. This month, I made the payment due XXXX XXXX on XXXX XXXX, thru my electronic bill pay at my bank. The funds were debited from my account. Although I made the payment last month in exactly the same way, today, I got notice from my bank XXXX XXXX XXXX XXXX advising that the payment had been rejected by Seterus. I have spoken to Seterus, which claims it has no record of having received the payment. For now, Seterus shows that it has not received payment, but the funds have not been put back in my account ( I can not make the payment until I receive the funds back in my account ). If nothing else, I 've just wasted an hour of my time trying to get this cleared up ( XXXX ). See below : " The following payment was returned to XXXX XXXX. We are in the process of crediting this payment back to your XXXX XXXX payment account. Please allow XXXX5 business days for the payment to be credited if funded by a checking account, or XXXX7 business days if funded by a credit card or line of credit. 

Payee Name ( Nickname ) : SETERUS Account Number : XXXX Payment Amount : {$1700.00} XXXX XXXX Payment Account : XXXX Payment Send On Date : XXXX/XXXX/2015 If you did not place a stop-payment request on this item, there are several possible reasons for the credit : * Your payee account name, number, or mailing address may be incorrect. 
* The payment was sent more than 90 days ago, and the payee did not cash the check. ( Checks not cashed within 90 days are automatically credited back to your account. ) * Your account with the payee has been closed. 
* Your account with the payee has a credit balance. 

Before scheduling additional payments to this payee, you may want to verify the payee information or contact your payee directly for the specific reason for this returned payment. 

If you have questions, we are available XXXX days a week. Call XXXX XXXX Online Customer Service at XXXX or sign on XXXX to send a secure email. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: SYNCHRONY FINANCIAL
State: PA
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 have a closed AT HOME credit card account with Synchrony Bank that has a remaining balance but I'm currently in the process of paying it off. My daughter and I were both hospitalized due to XXXX. I lost time from work and my paycheck was affected due to it. 
I was coming up close to being 30 days late on my at home card payment, so i called into their customer service dept. I was told by the rep that as long as i paid the past due amount of {$100.00} by XX/XX/XXXX i would not get a 30 day late reported to the credit bureaus. 
He said the call is recorded and he was 100 % positive that i would be ok. 
I made the payment by the date he specified on XX/XX/XXXX, the money has been removed from my account. Today XX/XX/XXXX i got an alert from XXXX credit monitoring service that AT Home/Synchrony bank reported a 30 day late on my credit report. 

I have never been 30 days late with Synchrony bank on any of the cards i have with them. this also has caused my credit score to drop XXXX points. I was in the process of refinancing my house and this will literally stop that from happening. I was told what to do by the CSR rep for Synchrony and I paid what i was told to pay and on the date he said to!

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 2022-01-05
Company: ENOVA INTERNATIONAL, INC.
State: ND
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was given a high interest rate loan of {$5100.00}, I make two {$140.00} payments a month, I have called numerous times to be put on a reduced payment plan due to XXXX  and losing hours at my job. I was told every call I made that it would be adjusted. It still has not been done I am still making to large payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: AL
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 received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

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 2016-08-02
Company: DISCOVER BANK
State: MN
Product: Credit card
Issue: Other

Complaint:
On Tuesday, XX/XX/2016 I logged into my account to review and went to the Activity & Statements page. The page read the following : Last Statement Balance : {$120.00} Payments and Credits : + {$0.00} Transactions : + {$63.00} Current Balance : {$190.00} If you do the math, that is incorrect. {$120.00} + XXXX = {$180.00} and not the {$190.00} they are saying. Discover is trying to illegally take additional money from me that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act these accounts have violated my rights. 

1. XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX - XXXX {$350.00} XXXX. XXXX XXXX BALANCE {$170.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Secllan 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions also have inquiries that do not belong to me. 

1. XXXX Inquired on XX/XX/202XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: SUN LOAN COMPANY INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft starting in 2017. This company called Sun Loan Company has a loan balance that was fraudulently open in the amount of {$460.00} XXXX noticed this account last year that was being reported to XXXX XXXX and XXXX. I sent in the supporting documents including a police report and this account was blocked and removed. Now recently this company has reported this account to XXXX because they are blocked from the other two reporting agencies. They continue to report this account that was not open by me.

Company response to consumer: Closed with explanation