BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-02
Company: Navient Solutions, LLC.
State: MI
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:
Been on income contingent plan for years. Recertified my income contingent plans this summer and in XXXX of this year. 

Navient did not apply income contingent plan to my federal loans instead it was applied again to my private loan that has small balance. I received notification stating my monthly loan amount will go up to almost 2k and to recertify. I was confused because I already did this but I went to certify through my studentloans account again and was unable to recertify b/c it said i already recertified. 

I faxed Navient and email them through my Navient account on XX/XX/25 and i received an automated email notification stating will follow up within 24 to 48 hours and company never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
submitted package to service sps ; they did nothing to help or assist with being upside down and payments too high sps based their outcome on current value rather than the homeowners monthly expenses

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: The CBE Group, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote to XXXX XXXX to get verification of account i have no knowledge of but XXXX XXXX said it was accurate and updated. I have not opened an account of any sort on XX/XX/2022 so i know this information is incorrect. My address is now with this company because XXXX XXXX has you to put it in for your dispute. I have never opened any account or have any knowledge who CBE is to do business with. My report states that they are the original who I started this account with but I have not. XXXX XXXX would not show me the original copies I asked them to produce on XXXX XXXX but XXXX XXXX did say it was accurate, how and I didnt do business with anyone on this date. I like this removed from my credit report it is causing me harm and injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I filled out an online application for a Wells Fargo credit card on XX/XX/2018 and received a letter dated XX/XX/2018 denying my credit approval on the basis of Not a permanent United States resident. I've been in the United States for approximately 15 years, I have a SSN and have had several credit cards in the past, I even have a current bank account with Wells Fargo. I'm originally from XXXX, but I am a permanent resident of the United States and have gone through the proper channels to obtain my permanent resident card. I believe the reason they denied my application is discriminatory and violates the National Origin category of the ECOA.

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 2020-01-04
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Advance Financial auto drafted around {$2000.00} from our accounts AFTER we revoked their authorization to do so. We can no longer pay our mortgage or our bills. We need help fighting back against this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
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 have a loan with CAMPUS PARTNERS. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX  Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an XXXX XXXX XXXX that was paid on time. 
New bill arrived 10 days ago. Within two days, dunning robo calls began daily at about XXXX XXXX. 

Called customer service and set up payment date for end of month. Still calls are occurring XXXX days a week. 

Company is USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX store credit card. I'm being contacted by XXXX XXXX direct instead of XXXX themselves. They never charged my credit card for my membership so I'm not a member. I applied for a direct XXXX XXXX credit card but was denied. They're threatening to close my card because I don't have a XXXX membership. My minimum keeps changing. As of today I haven't received my bill statement.

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 2020-01-04
Company: Experian Information Solutions Inc.
State: NC
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 many accounts and inquireies on my credit reports and i have reached out to creditors and credit bureaus with FTC reports and they are not responding to the letters i sent them and are causing many issues to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I would like to start off by stating how unprofessional Experian is as a company. Their customer service is a disgrace. 
I am making this complaint because Experian continues to report an account that is supposed to be deleted. NYS Fair Credit Act States accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years. 
This account was charged off to XXXX XXXX XXXX and the collection was paid in full and deleted. Now the original trade line is still showing. Experian is not throughly investigating this account and does not allow me to dispute anymore. When I called Experian they agreed that it should be delete but they can't and was told to call XXXX XXXX XXXX. I called them and they stated they can't delete the original trade line. I called the original trade-in company which was XXXX XXXX  and they have no record of the account anymore. 
Then one day I noticed the account was deleted and put back on my report the next day.

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 2017-07-24
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XXXX/2017 I filed a complaint against the Collection Bureau of the Hudson Valley Inc. # XXXX that they reported a debt to my name of XXXX which I never owed. Collection Bureau of the Hudson Valley was required by law to send me a notice of this collection before posting anything on my report. I did n't recall getting a letter from them. I asked for details of this debt which were never sent. Subsequently they closed the account and removed it from my credit file, Now in XXXX I got a negative notice on my report and after checking I see the same debt is reported again .They never sent me any details of this debt but reported it again .I am ready to sue them in court for violating the FDCPA and FCRA and for financial damages incurred due to their false report if they wo n't remove this once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Email received XX/XX/2021 from XXXX Department of Law & Enforcement Legal Notice : Under 18 USC Section 1956-58 : Lawsuit Id XXXX ( Immediate Action Required ) Indicated that I have been blacklisted and that my social security number and banking accounts are under investigation through major credit bureau XXXX. 

Sending court papers to a very old address at which I no longer live. All of the information about current employer/phone number, etc. is not current. 

I was laid off from that employer at the time the debt was incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: CITIBANK, N.A.
State: AL
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 two fraudulent accounts reporting on my credit report that I have never applied for.

One from Citibank and one from XXXX. I NEVER applied for either account. And neither account is assigned to an address I have lived at in the past.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04
Company: EQUIFAX, INC.
State: NC
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 many accounts and inquires on my report is due to identity theft and i have reached out to creditors and credit bureaus with no success or response from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am still having issues dealing with Fifth Third Bank credit card. After my XX/XX/2018 case filed with CFPB that was closed, Fifth Third Bank still have not refunded my other balance of {$2500.00} that was remaining charges that I am still waiting for refund. The balance increased as they keep adding interest charges and late fees. Now total of {$2900.00} as of XX/XX/2018. 

The charges was XXXX, transaction date XX/XX/2018. The transaction was suppose to be use for my XXXX XXXX   call XXXX. Which unfortunately a big fraud that was detected from Federal Trade Commission ( FTC ), the case information is : FTC MATTER/FILE NUMBER : XXXX XXXX CIVIL ACTION NUMBER : XXXX ENFORCEMENT TYPE : Federal Injunctions FEDERAL COURT : XXXX XXXX of Florida With the court case, there's a receiver that handles and keeping consumer like myself, posted with the news. 

XXXX XXXX XXXX " On XX/XX/2018, Judge XXXX entered a Preliminary Injunction, which I have posted on this website. Functionally, it operates the same as the XXXX, except that it continues in effect indefinitely. '' Obviously the bank have misinterpreted my charges and still put the charges back to my credit card and state I received services from XXXX through XX/XX/2018. Which the service was misleading and fraud found by FTC and the case is won, consumers like me are entitled for refund. 

At this point, FifthThird Bank mailed me a warning letter this month about making payments to them, or they will take further action of garnishing my pay. This causes XXXX, XXXX from the unwillingness and refusal from the bank to look deeper into something that FTC has helped us consumer won such an important case. 

Looking forward for help from CFPB. Thank you. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I co-signed a parent plus loan for my son back when he was attending XXXX Connecticut XXXX University. I agreed to sign two of the initial loans he received, but not the additional 6 other loans that my name was used for. My son went online and used my initials to get the other loans. The issue I have is that I should not have qualified for those additional loans as I was going through a foreclosure on my home at the time. The loan officer person, whom I spoke to at Sallie Mae at the the time, said I could have, " Less than stellar credit '' to sign for them. I didn't have any credit at the time! I couldn't qualify for a loan for my daughter because I didn't have credit at that time ( due to the pending foreclosure ). In additional, I never got a phone call, or warning, making me aware of these additional loans and if I was ok with signing for them. I would have vehemently said " no ''! I have been a single mother living on a low-income for years. However, I have been very responsible with paying for my bills. My son has been trying to pay the loans now, and has been encourage to defer them. Is there anything I can do, at this point, to either reduce the payments or sue Navient?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: SUNTRUST BANKS, INC.
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
According to my personal records, Sun Trust bank always harass, threaten, contact me during night such as XXXX - the way same as some other criminal nuisance in Washington DC XXXX In the past, I already notified this bank to stop sending me emails during night especially during the mid night such as XXXX. However this bank never change its harassment and threat nature. Instead this bank constantly use false excuse such as charge monthly maintenance fee to steal money from my personal checking account. I have notified this bank at least 5 times in writing asking them to stop interfere the matters which were totally irrelevant with Sun Trust. ( see attachment ). Most recently, from XXXX, XXXX, XX/XX/2019 this bank used false excuse such as deduct XXXX  XXXX   monthly maintenance fee to constantly threaten me as a bank 's customer. In the past, I already filed two formal complaints with CFPB accusing Sun Trust bank 's criminal activities. Its behavior and conducts already committed criminal harassment, threat, intervene, interfere, bullying etc. toward me as a victim. Its criminal behavior was exactly like a funeral truck who carried two lines of lights driving toward me at end of 2019. That truck was attempted to access me just like the way Sun Trust deducted money from my checking account in XXXX, XXXX and XX/XX/2019. As I informed Sun Trust, you must pay all my damages {$25000.00} harassment charge for total at least 4 times. Insufficient promotional bonus {$500.00} for the year 2019 when customer like me completed 10 debit purchase and at least {$500.00} direct deposit. Plus under my urgent and extremely serious complaint to CFPB three times to ask return {$20.00} stolen money from my checking account. Until now you have not returned yet after you received my complaint 4  days already except the previous complaint in XXXX and XX/XX/2019. My attitude is very clear and my action is firm, I am NOT going to concede or deduct a penny toward your constant criminal activities. I am being harmed on the monthly basis. And I have great concern about my safety of deposit. As I informed you, the earliest you pay all my claims filed to CFPB as well as the claims filed to mycardbenefits, the earliest I will leave. If you want to interfere some other criminals matter then the default judgment owed by the other States is your debt : {$5200.00} XXXX plus 20 % interest and criminal restraining order & permanent restraining order ( Please do NOT send me emails or any contact during night. Opt-Out all marketing materials and contact such as call, email, mail, fax etc. ) I am NOT willing to concede. I am NOT willing to deduct a penny. As I said my decision is FIRM.

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 2018-12-02
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I leased a vehicle from XXXX and due to Servicemembers Civil Relief Act I requested a early lease termination. The request was subsequently approved on XX/XX/XXXX by VW Credit. 

After receiving notification of the approval, I closely followed the instructions for surrendering the vehicle. The turn in procedures went successfully and there were no problems however I contacted them several times about the Capitalized Cost Reduction reimbursement and on several occasions they denied my request stating that there are would be no refunds as no security deposit. During the purchase I placed a cash downpayment of {$3300.00} on XX/XX/XXXX as evidenced in the closed end motor vehicle lease paperwork. 

Based on my research and past federal district court rulings has ruled that the cash capitalized cost reduction ( CCR ) payment allegedly made by a military servicemember upon signing his auto lease was refundable under the Servicemembers Civil Relief Act ( SCRA ). 

The SCRA allows a lessee called to active military duty to terminate an auto lease without incurring an early termination charge and requires the lessor to refund any lease amounts paid in advance for a period after the effective date of the termination of the lease. VW Credit has not and will not refund my CCR payment and the failure to refund a prorated portion of this cash CCR payment is a violation of the SCRA. 

I believe that the cash CCR payment was a lease amount that he paid in advance, for the full period of the lease, that had the net effect of [ a ] prorata reduction or prepayment of a portion of each future month [ s ] payment. 

I appreciate any assistance you can provide on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
World Omni Financial Corp., also known as XXXX XXXX XXXX   has claimed to have an arbitration agreement with me regarding a loan for my 2010 XXXX XXXX that was originated by XXXX XXXX of XXXX XXXXXXXX , XXXX XXXX confirmed in writing that I had never had an arbitration agreement with them. Yet XXXX XXXX claimed without any documentation that the loan was transferred to it and that an arbitration agreement materialized upon the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: Experian Information Solutions 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 NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04
Company: Experian Information Solutions Inc.
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:
I have tried to get rid of this account before it is not my account and i will like like it removed. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$370.00} COLL {$370.00} XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-23
Company: Clarity Services
State: AL
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 received an email alert from XXXX that I had two ( 2 ) recent credit inquiries that I did not authorize. Both were considered soft inquires, but it is still unknown if account was opened in my name without my permission. The first occurred on XXXX/XXXX/17 by XXXX XXXX XXXX at XXXX XXXX XXXX XXXX in Tennessee and the second one occurred on XXXX/XXXX/17 by Clarity Company. I know the Clarity Company has been investigated in the past for this. XXXX XXXX XXXX is looking into this matter and because of the known past history of the Clarity Company, I did not contact them.

Company response to consumer: Closed with explanation