BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I am being harassed by Navient collection company for a student loan. I have n't received any documentation stating that this is my loan. Having this on my credit report is causing a hardship and possible loss of job. I am currently going through a XXXX and this negative action by Navient may cause me to lose my job. Please have Navient to stop the harassment and send me any documentation that states this account belong to me. I am requesting immediate action due to the fact that this account is being questioned by the investigators.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Self Financial Inc.
State: NC
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:
I applied for an XXXX XXXX Credit card. My intention was merely to improve my XXXX XXXX score. XXXX XXXX required that the initial contract was that pay monies that would be in escrow and returned back to me after a certain length of time. As time progressed, it got close to me collect my XXXX or more ( escrow ) along SELF Sent mailed me a check for {$160.00}. THEY STATED THAT MY ACCOUNT WAS SATISFACTORY PAID. SELF FINANCIAL SOLD MY INFORMATION TO ANOTHER BANK UNDER THE SAME NAME. I BEGIN TO SEE ON MY CREDIT REPORT WITH ANOTHER SELF ACCOUNT I HAVE NO KNOWLEDGE ABOUT NOR DID I SIGN A CONTRACT WITH THIS BANK. I DISPUTED ON XXXX NUMEROUS OF TIMES. XXXX REFUSE TO REMOVE THIS DEROGATORY CHARGE. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX, XXXX has been attempting to collect an unknown debt from me in the name of a XXXX XXXX XXXX  in the amount of {$430.00}. XXXX XXXX, XXXX is not licensed to operate in California under sec XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: Rocket Mortgage, LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was dealing with Quicken Loans regarding a mortgage inquiry involving the potential purchase of an investment property. The loan officer did a hard pull on my credit before asking what the target loan amount would be. It being a small amount, about $ XXXX, meant that they would not have a program to help me based on the loan size. A hard pull n my credit negatively impacts my credit score despite the fact that he would n't have been able to help me in the first place. This could negatively impact my ability to explore financing options in the near term.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My loan has doubled and there are fees on it that were supposed to be waived. A forbearance was really easy did n't know about reduced income payments. When I found out called and demanded it. Then they acquired but took forever to process my paperwork racking up fees. My loan has doubled due to the years of forbearance. XXXX and now massive debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Bull City Financial 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Byrider Franchising, LLC
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:
I called the companies that ran my credit report and they were not willing to help. I need these two inquiries off my report. CNAC Financial and JD Byrider. I have not applied for anything and have not used my social security number on the internet for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: ALLY FINANCIAL INC.
State: PA
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:
I have filed a dispute in regards to the incorrect items on my credit report it has been over 30 days and I have not received investigation results

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 2021-07-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
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:
I have filed a dispute in regards to the incorrect items on my credit report it has been over 30 days and I have not received investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: FCI Lender Services Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The Company FCI Lender Services Inc. From XX/XX/XXXX has been predatory lending on this Loan that was transferred to there company at he time to begin servicing the loan when in fact the property is PAID IN FULL upon XXXX XXXX XXXX XXXX on XX/XX/XXXX from A Life Insurance Policy information submitted by XXXX XXXX XXXX on two separate dates XX/XX/XXXX and XX/XX/XXXX and by XXXX Mortgage XXXX and FCI Lender Services Inc . Both Companies negligence is a result of an outstanding and ongoing XXXX Mortgage in the amount of {$420000.00} with court cost and added fees. Ive reached out to both companies and neither will accept or return my calls or emails.

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 2016-11-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo at an alert so my neighbor on the reasons or for requesting a cashiers check I 'm not 100 % sure what exactly happened but they refuse to explain to me and only will keep my account open for 10 days they stated that it was fraud how was that bra when I requested it I 'm sorry it was a temporary check.I just need to set up a XXXX I was going to deposit the money wired to the bank closing they actually spoke with my fianc was on the account and stated that they will fly both our names there was no integrity courtesy collaboration no no anything to try to help us resolve this issue. they also still send us emails about the accounts at one point we thought it was open but it was n't so we never understood what we were still getting email it was 100 % discrimination against my fianc

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 2016-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We feel terribly violated and defrauded by Bank of America , N.A . on my parents REVERSE MORTGAGE whom have past away, I am the Executor to their Estate and the Promises made to my parents upon obtaining a Reverse Mortgage was Sadly Misleading, and Now I have family members with XXXX School age Minor Children with Fear of being Evicted despite doing everything according to the, REVERSE MORTGAGE SOLUTIONS and XXXX XXXX XXXX, Hired by Bank of America have shown to be Bullies and using intimidating language, Refusing to Allow us to Sell my Parents home by refusing, Offers of Purchase and Stalling the process by Numerous Motions, and Unfortunate Probate Delays, despite repeating attempts to accept Real-estate Offers, I have kept in close contact with Bank of America 's Attorney, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, XXXX XXXX County Court House, I have email threads providing a timeline of these failures, despite speaking out. I 'm XXXX and was unable to hire an Attorney doing everything myself, I was Offered a " Cash for Keys '' agreement by XXXX XXXX XXXX, XXXX that was then resended by THEM with no further explanation, with NO RELOCATION ASSISTENANCE for the family members left in the house. I find this REVERSE MORTGAGE of our aging parents, Nothing more than a SCAM, that once discovered, there is nothing you can do the victims are deceased, and the family is left with the burden. In my case my parents were longtime Bank of America customers and they TRUSTED them, BUT we could of never imagined this would be the outcome my parents expected and as the Executor of the Estate we were informed Bank of America has Mortgage Insurance Premiums, covering the mortgage upon there death, that I 'm sure they long collected. My pleas is to Bank of America , N.A . to do the right thing and Offer RELOCATION ASSISTANCE, of {$3500.00} to my family or ALLOW us to SELL the property we were entitled to do according to there agreement with my parents. Any further information you may need please feel free to contact 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 2016-04-12
Company: Navient Solutions, LLC.
State: IL
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 was on a payment plan that was dependent on me making my monthly payments on time. If I missed even XXXX payment, my payment plan would no longer be valid and I would have to pay about 5 times as much per month, which obviously I can not afford. I was set up on automatic payments so that I would never miss a payment. However, every XXXX4 months, my auto payment suddenly would n't go through and I would contact the lender Immediatly and they would tell me since I was late on my payment, my plan was no longer valid, and as a result they tacked on so many penalty fees. I would then beg and plea and get back on the payment plan, but they would never waive the penalty fees. My loan has basically more than doubled because of these penalty fees that were not my fault. I am currently out of work, trying to get XXXX, and I have a newborn. My husband is self employed and we live paycheck to paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions 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:
Investigation took more than 30 days and nothing was changed when clearly there are misleading, incorrect, inaccurate items on my credit report..i have those two accounts attached showing those inaccuracies... I need them to follow the law because this is a violation of my rights!! The EVIDENCE IS IN BLACK AND WHITE ....

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 2022-11-13
Company: HW Holding, Inc
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXXXXXX XXXX XXXX, a rental management company called XXXX XXXX sold a rental debt accrued under COVD-19 federal and state protections. This makes the debt multiple ways illegal. I've tried several times to have the debt removed by contacting the company through credit bureaus. They have not removed the debt, which has now accrued interest to beE $ XXXX and is preventing me from securing housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: JP RECOVERY SERVICES, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail from JP Recovery Services , Inc, indicating I owe {$110.00} to XXXX XXXX XXXX for services that I did not incur.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: General Motors Financial Company, Inc.
State: NV
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Today ( XXXX XXXX 2016 ) I received a bill from GM Financial for the amount of {$7400.00} due by XXXX XXXX 2016. I terminated my vehicle lease on XXXX XXXX 2016 due to a military deployment and turned it in that same day. I received an odometer disclosure statement slip from XXXX XXXX ( Customer Relations Manager for XXXX ) upon turning in my keys. I faxed proof of my XXXX to GM Financial along with the odometer disclosure statement. On XXXX XXXX 2016 I received a letter from GM Financial stating that my account has been paid in full. I also have a screenshot that I took of my GM Financial account website which also shows there is a zero {$0.00} balance owed. I checked my credit report today ( XXXX XXXX 2016 ) and on my credit report for all XXXX credit bureaus it shows the account as paid off with a zero {$0.00} balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-01
Company: Navient Solutions, LLC.
State: RI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I went to University XXXX XXXX for the first two years of my XXXX and XXXX College for the last two years of my XXXX. They have charged me a 9.75 % interest rate since I took my loan out over 5 years ago. Their interest rates are too high.

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

Complaint:
To Whom it May Concern : My name is XXXX XXXX and I 'm a wife and mother of XXXX children. I have paid my student loans every month since I graduated from college. After returning to school to get my XXXX in XXXX, I requested a payment plan that reflected my income, rather than the payments XXXX/Navient was requiring me to make. These payments were more than {$300.00} over my bi-weekly paycheck and made it impossible for me to pay other living expenses. XXXX allowed me to go on an income-based repayment plan for 18 mo twice. The payments were still very high, but I paid them every month. They did cause me financial hardship. I re-enrolled in the income-based repayment program again after the 18mo ended. I was given another 18mo and continued to pay on time each month despite having increased financial hardships from paying them. My account was then transferred to Navient at that point and each month, my payment was not distributed properly to my multiple loans. I incurred numerous fees and high interest rates on the loans that were not being paid because of this distribution error, and I called at least five times over the following months to have it fixed. Each time I was told they had fixed it and the fees, but then a few months later I would see that it had not been repaired and my loans were in default. At the end of the second 18 mo income-based repayment plan, I was told there were no more options and I would have to pay the full amount each month. This was now {$500.00} more than my bi-weekly paycheck and I have XXXX children to take care of. I am unable to pay this amount and have been in default since. My father is paying almost $ XXXX/mo towards the few loans he co-signed to keep his credit score from being affected, and it 's causing him considerable financial hardships. My own credit score is extremely low now, and my family is unable to purchase a house or a car. I have now been sent to collections. I am completely unable to make these high payments despite being employed full-time as a XXXX. I am out of options and feeling beyond frustrated with this situation. Thank you for your time and assistance. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
while travelling my accounts at bank of america were closed. 

No reason was given. 

Uncertain if the rest of money will be returned. Luckily i had stopped using the account and had transferred most out of it because the atm card kept having difficulty while travelling. 

There was less than {$1000.00} in the account, however I worry about my reputation on credit reporting agencies reports since they noted in their letter they could report to XXXX about account closure. Can you help clarify this problem, never bounced check, had no problems except someone deposited a check while my husband and were overseas but the bank accepted it even though they put wrong address on deposit slip and it was deposited out of state. That happened over 3 months ago and we thought the matter was settled. 

XXXX 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 explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: GA
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:
On or before XX/XX/2022 I disputed XXXX XXXX XXXX ( XXXX XXXX XXXX ) .I the dispute was Marked verified. I reportly asked for evidence to support reporting verified but failed to provide any proof. 
I have as ask them to give me the process, names of verification. The bureaus have not came with anything at all. Which is the FCRA 611 ( a ) ( 7 ) violation.

Violations Fcract 807-8,15USC 1681n,1681i,1681s-2,1681i ( a ) ,611,616,617,623 ; 602 ( A ) ; 604Asec2

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 2022-11-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates claims they have ownership in a debt originally from XXXX XXXX. Portfolio Recovery Associates are also not licensed in the state of Michigan and had not produced the bill of sale from the original creditor to confirm they own this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Park Hill Holdings
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
SafeRent Solution XXXX has assumed a role as a credit reporting and screening company. Were uses be rental agencys submitted a report to XXXX XXXX XXXX suggesting my leasing application be denied based on the report generated by them. 

Data within their report is incomplete and displayed in a misleading way. It appears as if I have an open judgement from 2015 for eviction with a balance of {$4200.00}. This report omits disposition data. 

This is inaccurate and harmful reporting which has caused me harm as with ANY one considering leasing to me would certainly decline the application. Which is exactly what XXXX XXXX XXXX did at the recommendation of this third party company, SafeRent 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 explanation
Consumer complaint received 2017-03-15
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
For years I was only given forbearance options and my loan has skyrocketed to over 110k because of the interest capitalization and origination fees. That was never explained to me nor did I completely understood my options at the time. Forbearance was the only option offered. I believe when I completed my XXXX program ( Never could finish my dissertation ), I could not afford any additional loan and my balance at the time was only XXXX. Now I am not even going to school and it ballooned XXXX higher.

Company response to consumer: Closed with explanation