BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-17
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
There are a number of issues I have encountered wit  h Navient that I had assumed were just normal frustrations over loan servicers. Issue number one was the obscure emails I would get stating that my, " Loan document was ready to be viewed '' and was then provided a link that would not take me to my loan documents, but rather my normal servicer website. I would then have to work extremely hard to even find where my loan documents were as they were not filed under any normal tabs or website areas ; I would be directed to login to a separate page and when I would, I would be directed back to my normal Navient account website.
Issue number two, I have attempted to apply for income based repayment plans four separate times with no success. I apply online, my husband finishes his portion of the application that is sent to him, then I get an email letting me know I would be informed when I was approved or denied. The first time, I never got such email so I called Navient after a while and was told the application was never completed ( even though I had    emails proving it ) and I would have to start a new application, but that they would apply a forbearance until it was approved. During my second application, I was requested to provide proof of income, but that if I applied through the IR S Data Retrieval tool, it  would automatically pull income for proof. I decided to apply through the IRS  Data Retrieval  tool to streamline the process. However, I received an email later stating that my application had been denied again since I did not provide proof of income. When I called to discuss this, they said my application was, indeed, expired and I would have to apply YET AGAIN and they would apply an additional forbearance. My third time applying for income based loan repayment I was switching jobs ; I left my previous job in  XXXX , started my new  one on   XXXX   XXXX  but would not draw a paycheck until the end of  XXXX . I applied the third time, immediately calle d Navient and  inquired about my proof of income since I would have no paychecks or pay stubs until the end of  XXXX . I was informed that I would be able to provide a letter of job offer that had my pay scale included in the letter. I contacted my HR department, received the letter, and submitted it t o Navient and  was later informed that my application was denied because a letter of intent did not count as proof of income.   Third, I recently received an email that my loan payment amount was about to change and that action was needed as my income driven repayment plan was about to expire. However, I was never approved for an IDR plan and was still required every month to py {$350.00} instead of an amount based on my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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:
Violations 15 USC 1681 Section 602 State I have a right to privacy. 
15 USC 1681 Section 604 A section 2 It also states that a consumer reporting agency can not furnish a account without my written instructions. 

Black mail is defined as demanding money or another benefit from ( someone ) in return for not revealing compromising or damaging information about them. 
Identity theft is defined as the fraudulent acquisition and use of a persons private identifying information, usually for financial gain. 
Fraud vitiates the most solemn contracts, documents and even judgments. ( U.S. vs Throckmorton, 98 US 61, at pg. 65 ) There is no known law that says I have to pay anyone anything.

I do not have a contract with these unconstitutional Credit Reporting Agency. I used the address on my consumer report and they engaged in untimely games collecting my correspondence. These are publicly traded companies engaging in deceptive practices which violates the Truth and Lending 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 2020-02-15
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I paid for the rent cancelation of the amount of {$5600.00}. I was an authorized user on the account at that time. My husband disputed the transaction. I talked to XXXX  onXX/XX/XXXX at XXXX XXXX  the Discover representative and she told me that I am no longer on the account so I can do nothing about it. I made a transaction when I was an authorized user. If they let him dispute all my

transactions in all the years that I made it that would be incorrect. I have an invoice for the transaction,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
a debt collector named National Recovery started in XXXX to put on my XXXX  credit report a uttilty debt of {$88.00}, even though my account is current and up to date with the utillity. i have provided that info with documentation to the credit beuro, and they have not updated my reportand left that collection on it

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 2022-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owned an account with Bank of America for years. When covid hit, i had some issues and ended up out of work. When i contacted the bank asking if i could change my payment date because i couldnt afford to make the monthly payment, they told me that they were unable to make any changes for the monthly payment and if i were to update my payment date it would take 3 months to update, which means i still had to find a way to make my monthly payment. Knowing that i would be unable to do so, i requested to close my account with them to avoid any further interest charges. The bank did not close my account and continued to bill me with increasing interest causing my card to go over the limit. I had several other credit card accounts at this time, as well as an auto loan.. i was able to change the payments for every single account other than Bank of America XXXX I would have no problem paying my debt if it was the accurate amount, but I will not pay a debt i dont owe to a company i had a very long standing relationship with that refused 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 2017-04-18
Company: U.S. BANCORP
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I went to deposit a check for {$200.00} at the ATM at the  US Bank Branch  at  XXXX   XXXX   XXXX   XXXX , MN on my way out to dinner and a  XXXX  game with friends. I inserted my debit card and was prompted to insert the check. When I put the check into the ATM it seemed to malfunction and kept pulling the check in and out. Then it took the check in and kept it. The screen informed me that the machine had malfunctioned and that my deposit was NOT completed and it could not return my check. The ATM then asked me for the deposit amount of the check and printed out a receipt that says deposit attempt also telling me that an error had occurred. I went into the branch and told a teller who then said I would have to wait for banker and that I should take a seat. I told him I was with a group and did not have time as I did not want them to wait for me. I called the  XXXX  number on the so called receipt and I was told that there was nothing they could do and that I would have to wait a few days to see what had happened. I checked my account online and it showed a deposit and a debit both for {$200.00}. The next morning both of those lines were gone with no mention of either on my online account. I called the  XXXX  line again and spoke to  XXXX  who said she would help and took some information. I was not satisfied with that and went back down to the US Bank Branch, paid {$8.00} to park. I then spoke to a  XXXX   XXXX  who claimed to be a manager. When he checked on his computer there was no record of my calls to customer service on my account. He was n't very friendly or helpful but did file a tracking number which is #  XXXX  and told me that they would have someone check the ATM. He mentioned a provisional deposit for the check but I have not seen anything on my account. I thought banks had a fiduciary responsibility for a deposit no matter if it 's a ATM or a teller. They took my money, lost it and do n't seem very interested in resolving the matter.

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 2019-11-26
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Complaint is against XXXX XXXX. My payments are current and have been current for some time was late in XX/XX/2018. Caught payments up and paid over 1000.00 a month for almost a year. Company shows payments of XXXX never reflect payments of XXXX  and stated I owed late fees. But payments where current. 

There stating since I owe late fees which I dispute they can report me late every month. Although they get there payment every month. 

This company is a scam and have been sued by the State of California and other class action suits.

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 2020-02-15
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Around XX/XX/2019 I filed a dispute with Elan Financial who services my Fidelity Credit Card. The dispute was in regards with a payment made on XXXX using the Fidelity credit card. Around XX/XX/2019 I received a provisional credit of {$1400.00}. The very following day my credit limit was reduced from {$3000.00} to {$1400.00}. About one week later the dispute was not found in my favor and the provisional credit was removed from account. My account balance went back to the original amount that slightly shy of {$3000.00}, my credit limit was now {$1400.00} instead of {$3000.00} so I was {$1600.00} over my credit limit and they wanted payment of the entire amount in one month. They are clearly in contravention with the spirit of that law which states that your credit limit can not be lowered beneath what your balance is, assuming you are not over the limit. I spent over 90 minutes on the phone with Elan financial, receiving no solution beyond pay {$1700.00} today. The point of the credit card is to spend and make monthly payments, not to simply owe over 50 % of your balance in one month. 

Also my credit report shows that I was 30 days past due in XX/XX/XXXX, despite the fact that the provisional credit covered my minimum payment before the cut off. I did make the minimum payments required for XX/XX/XXXX, but ceased form then on since I was being asked to pay a sum over 50 % of my {$3000.00} credit balance.

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 2017-08-30
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
This company repeatedly calls and fills up my voicemail with people speaking in terrible English about my student loans. I do not receive statements from them telling me when my payment is due. I have just been diagnosed with XXXX and am currently struggling and they are unwilling to work with me. All they do is call and call while I 'm trying to recover from my current episode. They are also making it difficult for me to receive important phone calls from my doctors because they fill up my voice mail. They use an autodialer to call me on my cell phone which I have specifically asked them to stop calling. How can I make payments when I do n't receive any statements? They give me no options on alternative payments just harass me daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear  SIRS I have OCWEN LOAN SERVICING on my mortgage Last year when I finished Bankruptcy I contract CFPB as OCWEN charge me for an additional three months for back payments they never told me about only after the discharge I filed and the doucments said I was one month behind -- - at the end of 36 month I now was three payments behind- with the new CHARGES with OCWEN is this something you are   looking at -  XXXX   XXXX   XXXX   XXXX  CO  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: College Foundation, Inc.
State: NC
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 was unaware my loans were not a part of the overall federal student loan payment pause. I was told even though my loans were federal student loans, they were " commercial '' federal student loans and had been exempted from the federal pause. 

This information, in my opinion, was not properly communicated to borrowers and set many of us who had never been late making payments on our loans up for delinquency. 

XXXX XXXX XXXX During the time my loans went into repayment, I was on a medical leave of absence from work and was unable to afford payments. I had all 8-9 loans placed into forbearance. 

Despite placing my loans into forbearance, College foundation INC reported my loans as 60 days past due in XX/XX/XXXX and XX/XX/XXXX. 

I have tried several times to get College Foundation Inc to remove the delinquent marks from reporting, or to remove the paid and closed tradelines altogether -- but with no success. 

I am submitting this complaint to have the delinquencies removed from credit reporting to XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am writing with a formal complaint regarding the servicer of my federal student loans, FedLoan Servicing. I have been consistently appalled at the unprofessional and negligent business practices of this company. My main issues can be summarized in  XXXX  points  : 1 )  Processing times for ANY request, including requests that must be made  annually ( re newal of an income-based repayment plan, for example ) routinely ta ke 2-3 m onths, during which time all payments are placed on hold. For borrowers who are working towa rd Public Service Loan Forgiveness ( PSLF ), the se are huge delays in ultimately seeking loan forgiveness. Furthermore, it has been reported that the first batch of borrowers seeking loan forgiveness under the PSLF program have been denied because they have not mad e 10 cons ecutive years of payments. Given annual payment interruptions of  2-3 m onths with FedLoan Servicing, it would be impossible for anyone to qualify for loan forgivenes s. 2 ) a ny issues with the account are not communicated to the borrower. For example, when I submitted a request to renew income-based repayment, my request was denied because my employer verification was not updated, but no one from FedLoan Servicing contacted me with this issue. I assumed the request was taking the standard 2-3 months to process. After calling to follow-up, I was told that my employer verification needed to be updated. On an on ... I literally have to call the company for weekly updates to be sure things are being processed as expected because FedLoan has not once reached out to let me know there is an issue. Frankly, it is criminal that this is the only servicer that can handle PSLF loans. I do n't know who they paid for that privilege, but their customer service is atrocious. If they did not have a monopoly on these loans, borrowers would certainly leave. They should be held accountable by SOMEONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: MO
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 am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, And they violated my rights numerous times. I demand the accounts listed below removed immediately because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am trying to purchase a second home through quicken loans. They are requiring a relocation letter from my employer even though it is a second home purchase and I am not relocating. Because of this they have decided to deny my loan. I have tried numerous times to get in touch with my loan officer, and his team lead, and they have been suspiciously unresponsive. I have tried as best as I can to reason with them and come up with a solution but they have been unresponsive and unwilling to work with me. They chose to tell me this 14 days before the closing date of my purchase agreement not leaving me enough time to go through another lender. They have been extremely unprofessional and have not communicated well throughout this entire process. I have spoken with other loan officers with other lenders and no one can see why a relocation letter would be required for a second home. It was also never once mentioned as a possible need before the loan application was submitted to underwriting that a relocation letter would be needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XX/XX/12017 XXXX they called and harrased me. im suffering from XXXX. this is not mines. i can XXXX XXXX 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 2022-09-01
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Due to suspicious activity involving my husband 's social security number,  on  X/X/XX  I signed  on to Experian.com to get a free annual credit report. I was presented with a confusing screen asking me for my credit card and informing me that a {$1.00} charge would be on my account. I thought this was strange sin ce one repor t per year should be free, but I entered the information. On  4/14/17 , I noticed a {$21.00} charge from Experian and called to inquire. I was told that I had actually signed up for an Experian account with a {$21.00 } (! ) mo nthly fee. I explained that a mistake had been made, that it was never my intention to sign up for such an account and that the account had never been accessed. They offered to cancel the account but refused to refund the initial charge. In the past, every business I have dealt with has been accommodating and offered a refund when it was clearly not an individual 's intention to sign up for a services offered in a confusing way on a website. They have refused to do so. I have discovered a class action suit,  XXXX   XXXX  v. Experia n Information Solutions , Inc. fil ed in  XXXX  charging a pattern of such misleading websites and deceptive practices. Experian needs to immediately cease and desist such practices which deceive the very people their business was supposedly formed to protect.

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