BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-18
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I qualify for XXXX loan forgiveness on my federal loan of {$17000.00} because I worked at a XXXX XXXX XXXX as a XXXX XXXX XXXX for at least 5 years ( it was actually 8 ). I spoke with Navient on XX/XX/XXXX and I was told that my application for forgiveness looks great and I am in the phase where I can " sit back and relax '' and that my work was done. I called last night ( XX/XX/XXXX ) to get an update and was told that there was a problem with my application. This is not the first time that they have said there is a problem, and there is never a timely response, sometimes taking more than 30 days to receive a response. I was told that since the school in which I was working changed names, I must resubmit the entire application with the previous names as well as the original application. So I would have two nearly identical applications going at the same time. The requirement is that I taught at the school for 5 years consecutively and I did so, not including the name change. I find that their information is unclear and untimely, and they are making no efforts to assist me in completing this process. Navient seems to be the only contact point on this subject and is either unable or unwilling to assist me in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: College Loan Corporation
State: CO
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:
Loan was paid. Complaint against XXXX XXXX, The school falsely advertised XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX was never accredited that type of XXXX, instead midway through, the cirrocumulus was changed to 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 2022-06-11
Company: EQUIFAX, 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:
Date of Birth : XXXX XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Type of Account : Collection Account Public Record : Case Number : Action Requested : Please provide proof that its reporting correctly from the CourtHouse and not a third party and delete if anything is incorrect Collection Account : XXXX XXXX XXXX  Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Paid Account/Late Payments : Account Number : Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Hi! I have been trying to get this removed from my credit report. Someone opened a Chapter XXXX bankruptcy dismissed in my name years ago. It was listed on XXXX, XXXX, and Transunion. It was list twice on all 3 bureaus. I disputed them and XXXX and XXXX removed 2 different bankruptcy off my report. However XXXX only removed 1 of 2 off my report. The name was used to open XXXX was XXXX XXXX, that's not or never been my name. My name is XXXX XXXX and has always been. The address that was listed on court documents XXXX XXXX XXXX XXXX, Ga XXXX I have never lived at that address or ever used that address. Those two errors alone that should have made them remove the Bankruptcy. Also there hard inquiries that need to be validated and removed. I didn't authorize for these lenders to have ran my credit. I certainly didn't sign any documents for them to run it. XXXX XXXX XXXX XXXX of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am disturbed that the Credit Reporting Agencies, XXXX, TRANSUNION, and XXXX continue to list DISMISSED bankruptcies as VERIFIED within my credit file. The Fair Credit Reporting Act 15 U.S. Code 1681c - clearly states " from the date of entry of the order for relief or the date of adjudication ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, XXXX, XXXX, and XXXX have no right to maintain information which the government has deemed nonexistent. Please remove the below items : 1. Chapter XXXX Bankruptcy, DISMISSED, Date Filed/Reported : XX/XX/2016, Reference # XXXX XXXX. Chapter XXXX Bankruptcy, DISMISSED, Date Filed/Reported : XX/XX/2016, Reference # 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 2019-01-30
Company: Specialized Loan Servicing Holdings LLC
State: TN
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:
Notified my mortgage lender several times in XXXX that past payment history has not been updated since XX/XX/XXXX. Both XXXX and XXXX shows account is in " Good Standing '' but payment history does not show all payments made from XX/XX/XXXX to XX/XX/XXXX. Also shows 37 payments being late, which is incorrect. 

Lender agreed in XX/XX/XXXX by official letter attached to update my reports due to a mistake they had made on an agreed payment plan from XXXX thru XX/XX/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 2022-01-12
Company: JPMORGAN CHASE & CO.
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: Old information reappears or never goes away

Complaint:
I have done everything in my power to have these accounts removed. These derogatory accounts have been paid and settle properly upon the settling terms. The accounts initially went negative due to the effects of Hurricane Harvey. I still did my part and paid as promised. The companies are refusing to remove the account from my report. The accounts are old and need to be removed so I can move on with my life and continue to prosper and finish my revery process. JPMCB, Chase has stated that they do not remove accounts from the credit report at all which I know is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried several times to modify my house with Penny Mac and they are not willing to work with me on modifying my home.. I am on XXXX and I need my mortgage payment and interest rate reduced based on my income Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Genesis FS Card Services, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a Credit Card with Indigo ( Genesis FS Card Service ). I had to call them when my card was expired in XX/XX/XXXX. It took them over 3 months to get me a new card. When I told them that I still didnt receive it, there was unauthorized charges on the old card. I still paid the balance in full until the investigation was done. I was told that they were going to remove the late fee and refund my money. When I spoke to a customer service rep XXXX on XX/XX/XXXX @ XXXX, she said that she wasnt aware. I later received another card in the mail and was still not able to use it. This Company is still reporting that I owe money on a previous card. Ive always paid my balances in full. Indigo Company is fraudulent and my significant other is having the same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: WI
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:
In accordance with the Fair Credit Reporting act XXXX, the following accounts have violated my rights. 
XXXXXXXX XXXX XXXX XXXX  : account # XXXX and account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-07-23
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection agency under the name Southwest Credit is trying to collect an amount of {$83.00} that I do not recall to had with them. Also I dont have any contract or agreement with this Company and I do not own them any thing ... I never gave this company none of my personal Information as SSN, Names, Adress and Phone number and they are not autorize to use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Checked my credit report and found Wakefield and associates had reported a negative account on my credit without contacting me this is the first time Ive heard from this company. Called them Tuesday to inquire about this and all they said is I owe XXXX for a emergency room visit I told them I thought my insurance paid the debt and they told it was on me to do the leg work about this debt also I thought it was improper use of my credit to post this without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage Services would not accept our request for an audit inquiry on our mortgage account. We sent them a letter requesting an audit and inquired about why our mortgage principle amount was still high. We had our home for more than 12 years and based on the principle amount we only paid down less than {$5000.00} which is very questionable to us. When we wrote and inquired via Carrington Mortgage Services they returned our letter. We even called many times, documented in many phone calls to the company regarding our inquiry. All we were told is to write a letter and send it to research. When we wrote the letter, spent money and faxed in the letter they returned the letter stating that they will not accept the letter from us. If we 've been paying a mortgage for more than 12 years, that principle amount should be less but somehow all our money is going towards interests and fees in which we did not authorize. Disclosure of information is a problem. We asked several times for customer advocacy to file our formal complaints, customer services representatives would say that there is no customer advocacy, they handle the complaints. When we called back and asked again, other reps would give us the advocacy department email and phone number. Why did previous reps lied to us. We were told when we defaulted not to send in any payments, payments we sent in will be returned to us in the mail. We waited for a month on the returned payment and nothing was returned to us. Another misinformation. Carrington Mortgage Services opened up an account with unapplied funds that we paid to pay our loan. These funds were left in a separate account that we were not aware of. We were told the funds will be applied to the loan so it 's been sitting in the unapplied account funds for very long time but it is for our loan. The purpose of the funds is to pay our loan not to be sitting on the side and not used to pay the loan. This to us is fraudulent practice since Carrington Mortgage Services is holding our money and not apply it to our loan. Misinformation from representatives. Representative would hand up the phone when they ca n't answer our questions. When calls are dropped they do n't have the courtesy to call us back although you spent almost an hour with them on the phone. It is very unprofessional. It creates frustration and angers you as a customer when you had to call back and repeat what was said to the previous representative. Their recording says, " Customer Care '' but caring for customers is not carried out by their business practices which is very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Homeowner/Borrower requested loss mitigation assistance in XX/XX/XXXX and received a TPP. While homeowner was making the TPP payments, servicer moved forward with non-judicial foreclosure anyways. Homeowner was not aware that the property had been sold in foreclosure until someone knocked on his door and advised him that he and his family needed to move out since they no longer owned the property. At that point homeowner complained to servicer. In XX/XX/XXXX, servicer acknowledged the unlawful foreclosure by instituting a court action to rescind the Trustee 's Deed Upon Sale. Homeowner was not served with the court documents. In about XX/XX/XXXX the court action concluded, resulting in a court order rescinding the foreclosure sale. In the interim, however, the property was no longer insured and sustained water damage for which homeowner has not received any compensation/repair to date. Moreover, servicer continues to pursue homeowner for all charges accrued during the period of time that it illegally sold the property out from under homeowner. A new Notice of Default and Election to Sell was just filed in about XX/XX/XXXX. As of today, there is no sale date. Homeowner has submitted an RMA package but was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Hi! I have been trying to get this removed from my credit report. Someone opened a Chapter XXXX bankruptcy dismissed in my name years ago. It was listed on XXXX, Equifax, and XXXX. It was list twice on all 3 bureaus. I disputed them and Equifax and XXXX removed 2 different bankruptcy off my report. However XXXX only removed 1 of 2 off my report. The name was used to open XXXX was XXXX XXXX, that's not or never been my name. My name is XXXX XXXX and has always been. The address that was listed on court documents XXXX XXXX XXXX XXXX, Ga XXXX I have never lived at that address or ever used that address. Those two errors alone that should have made them remove the Bankruptcy. Also there hard inquiries that need to be validated and removed. I didn't authorize for these lenders to have ran my credit. I certainly didn't sign any documents for them to run it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Home Depot Account number XXXX XXXX XXXX XXXX Police Report - Case # XXXX Home Depot XXXX Home Depot Executive Response XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ID XXXX Details : XX/XX/XXXX two charges were made at the XXXX XXXX DE Home Depot. In the amount of {$630.00} & {$2.00}. Home Depot card services looked up the purchased items and they were bathroom remodeling items. 

XX/XX/XXXX Two more charges were made. {$2.00} at the XXXX Home Depot and {$19.00} at the XXXX  Home Depot. 

I did not make these charges and filed a dispute with Citibank on XX/XX/XXXX. ( Citibank is the servicer of the Home Depot credit card ) I was told that someone in their fraud department would call and let me know what else was needed for the dispute to move forward. No one contacted me and the dispute was denied, since the purchase was made in store. 

On XX/XX/XXXX, I filed a police report and an appeal through Citibank. The appeal was quickly denied. No one is investigating this. No one will pull security camera footage and I fear that it may be too late to obtain footage. 

We did have a contractor do some work on the house in XX/XX/XXXX. Then again in XXXX - XX/XX/XXXX. XXXX was given my Home Depot credit card to make supply purchases. The credit card was always promptly returned. Only contact info we have is his phone number XXXX. He advised us he lived in XXXX DE. I have no way of knowing if this is relevant information. 

I do not know what happened. I did not make these charges. I am not supposed to be liable for fraudulent charges, but no one appears to be helping me. Ive asked for security camera footage of the New XXXX DE transaction every single time I have contacted anyone from Home Depot or Citibank. Was this transaction made with an old credit card? Pre chip? Was my credit card spoofed? Im well aware that its not easy to duplicate those chips, but there are reports of it having been accomplished.

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 2017-10-18
Company: Advance America, Cash Advance Centers, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XXXX/XXXX/XXXX my XXXX received a call from the same number XXXX back to back when she finally answered they belittled her and threatened to arrest her for XXXX XXXX XXXX from XXXX that never got paid when I called them they did the same to me accusing me of trying to defraud the lender and was going to have a warrant out for me if I didnt pay this ridiculous amount

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 2017-10-18
Company: Experian Information Solutions Inc.
State: MD
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:
Company has changed my open date to 2011, provide verification documents.

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 2019-11-22
Company: NRA Group, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
So Workmens Comp. case they will settle in XXXX and the debt hit my account in XXXX {$410.00} which was settle in my settlement the all medical collector bill was pay by XXXX XXXX   from their doctor that they referred me to. XXXX   XXXX is refused to pay the debt collection and claiming that they sent the check in but its been over a year now Im in fighting  with XXXX XXXX  of sending information about the collection

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