BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Dear CFPB, I desperately need your help. I'm being neglected by XX/XX/XXXX XX/XX/XXXX and Equifax. I sent them a letter sixty days ago regarding my disputes. I still haven't received a response yet. All three bureaus are in violation of the FCRA. I need these accounts be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: FC HoldCo LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
FLAGSHIP CREDIT : I am being called on a regular basis by a lending company that I have no loan with. I was apparently used as a reference without permission. I have asked on at least five different occasions to be removed from the account and to stop all calls, but I still continue to get calls. I want to file a formal complaint. The company continues to harass me and leave messages. Several of their supervisors have confirmed that the account reads -- do not call -- but they continue to call.

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 2017-01-31
Company: Navient Solutions, LLC.
State: PA
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:
Navient is my student loan service provider. In XX/XX/XXXX, I was told by a Navient representative that I could apply for an income-drive repayment plan to lessen my repayment amount and I was informed of the paperwork needed. I was told that I would get a 30-day grace period and was specifically told the 1st payment would not be due until XX/XX/XXXX. I was not given a specific deadline for my paperwork to be submitted. I was also given a monthly repayment amount. 

I submitted the paperwork 2 weeks later, around XXXX. In XXXX XXXX, I received an e-mail confirming I was approved for my income-driven repayment plan ( which was suggested and selected FOR me ), that my monthly payment was approx. {$100.00} more than the amount provided to me in XXXX, and that payment was due within the next 24 hours. I called Navient immediately, and explained what the representative told me in XXXX ; that I would not have to begin repayment until XX/XX/XXXX and that my amount should be less than what was stated in the e-mail I recently received. I was told the previous representative gave me wrong information and there was nothing they could do about it. The previous representative FAILED to tell me that there was a deadline to submit my paperwork in XXXX, because one of my loans was close to repayment around the time I called Navient in XXXX and if my paperwork was submitted after the that loan entered repayment, I would no longer qualify for the 30-day grace period. Additionally, the previous representative FAILED to tell me that she was not including one of my more recent loans in her repayment calculation and that is why my repayment amount was {$100.00} more. I was led to believe the plan I selected would have a less expensive repayment amount, when it actually did n't. Now I am stuck struggling to pay my loan payments each month ( late ) because their representatives intentionally misled and misinformed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My loan has been put into forbearance under the behest of Navient. Multiple times Navient has denied me the ability to pay the loan according to my financial situations. Rather, Navient, has forced me into expensive forbearance programs which have run into arrears. I was put into default and have had to pay a 14 % fee to return the loan back into good-standing in order to just to apply for IBR. Why was this not available to me beforehand? Why has Navient been unable to counsel me into a better program. I was directed into a debt services company for Navient ( XXXX ). A 14 % fee has now increased the loan by $ XXXX which has now allowed me to enter into IBR only after this fee has been assessed. This is not right and is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: JPMORGAN CHASE & CO.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Our vehicle was totaled in XX/XX/2016. We have been waiting on the insurance to pay. The insurance payment was made XX/XX/XXXX in the amount of {$22000.00}. We had Gap insurance, which was to cover the remaining portion. The gap insurance payment was on the way. I called Chase a spoke with a representative on XX/XX/XXXX. I also sent the gap breakdown. The representative told me I would still owe {$140.00} after the gap insurance. I paid this on the phone that same day ( XX/XX/XXXX ). On XX/XX/XXXX I noticed the account still had a balance. I sent an email ( which they never responded to ) asking if there was an issue and to confirm receipt of the gap insurance money. On XX/XX/XXXX Chase reported a delinquent account to my credit report. I called Chase on XX/XX/XXXX and a representative confirmed that they received a payment of {$1500.00} from the gap insurance on XX/XX/XXXX. He said it would take 2-5 business days to process. I called back on XX/XX/XXXX twice and spoke with two different representatives ( ID # XXXX & ID # XXXX ). I asked them why it only showed a payment of {$930.00} was made when I confirmed that they received a check from the gap insurance for {$1500.00}. I asked them where the other {$590.00} was at. Neither could explain and said they would look into the issue and call back. I never received a call back. My Chase account shows a balanced owed of {$410.00}. However, there is {$590.00} of the insurance money that is unaccounted for and no one from Chase will explain or call me back. I sent another email today and still have not received a response from them. Not one Chase representative that I have talked with has been able to assist me with getting this account paid off, but yet they reported my account as delinquent to the credit reporting agency. From what I can see, they owe me money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-11
Company: Navient Solutions, LLC.
State: UT
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I have student loans from 1994 from NAVIENT. I have made good faith efforts to repay, but have been unable to do so. I currently have XXXX kids in college and XXXX in high school. I am unable to pay. I sent a letter via certified mail requesting them to cease contact. I received the certified mail card back. They still continuously call me every single day, sometimes more than once a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I contacted the Credit Agencies telling them that the late reporting for from XXXX XXXX to XXXX XXXX is inaccurate due to the fact that I was never late. Their response was that XXXX XXXX XXXX verified the information as accurate. I contacted XXXX XXXX XXXX several times to dispute the late reportings. I also asked them to provide me with proof that I was late during the stated dates. I have not received anything from XXXX and I have been disputing since XXXX XXXX. I am asking your help to rectify this issue.

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 non-monetary relief
Consumer complaint received 2020-12-17
Company: Credit Management Control, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt for {$110.00} for a bill owed for XX/XX/XXXX to credit management control ( XXXX XXXX XXXX, XXXX ) on XX/XX/XXXX. Now XXXX XXXX XXXX has put this debt on my credit report as still owed. I reach out to XXXX and they said they just trying to collect a debt, they don't have anything to do with the other company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I called Navient in XXXX of 2016 to find out if I needed to submit additional documents for the In School deferment and I was told by the associate that everything was fine there was nothing else that I needed to do. I asked her if she was sure that there is nothing else that I need to do because I received a letter stating a payment is coming due in XXXX 2016. She said I see your letter you submitted with your graduation date listed and once your school reports that you are enrolled full time for this school year it will update the in school deferment on your account and everything will be ok. 

Well I received another letter in XXXX XXXX this time it was a statement/invoice for XXXX 2016. So I called back to find out what is going on with the in school deferment. The associate said Oh I see the problem you have used your 48 months and we can not process your in school deferment. I said what? I need to speak to a manager. I told XXXX that this does n't make any sense because it was never communicated to me by phone or in writing that I only have 48 months for a in school deferment and that I have used my 12 month forbearance. I said most degrees take longer than 2 years and I have n't used a forbearance. 

She had no response for most degrees taking longer than 2 years and she said when this loan was with XXXX XXXX you used those months. I said XXXX XXXX ... they were just in trouble for their unlawful practices and were allowed to start all over again after selling off my loan and I cant start over. I told her this is not right and it has to be against law. I asked her to walk me through where I can find the disclosure of these shoddy practices online and confirm where it is documented that this disclosure was mailed to me? She said I cant because it is not online and nothing was mailed to you or included on your statement. So then I asked her how would I know that I am not eligible for a in school deferment and who in there right mind would sign up for a two year in school deferment only when we know most degrees take longer than 2 years? She did not have a response. 

I told her I was disgusted and disappointed with XXXX XXXX and Navient for these unlawful ( and unethical ) practices and that I would be filing a claim with everyone that I can. She apologized and offered to reduce the payment and said it will not be effective in time for the payment due in a few days. I said since this does not directly affect you of course you do n't care ... because you get your paycheck from them! I also said you know this is not right she just apologized again and said she would process the monthly payment reduction request.

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

Complaint:
I was n't given the opportunity to do the income based. I was told that being that my loan was XXXX that it was n't worth it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Navient Solutions, LLC.
State: TX
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:
When trying to reduce my monthly payments I was guided towards forbearance which I was told would not accrue interest due to my circumstances at the time. My monthly payment want up from under 500 a month to nearly 700 a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
While looking at my credit report I noticed the name Navient XXXX. I called the company on XXXX XXXX, 2016 as I had never heard of them and wanted to get to the bottom of the negative marks listed on my credit report and why. I was informed that Navient was a sister company to XXXX XXXX and it was for a student loan. I informed the representative that I had gone to court regarding this matter and that the case had been dismissed. I was then asked if I had submitted any paperwork stating this. I responded that I had not as the attorney representing XXXX XXXX is who had it dismissed and therefor would have been responsible for informing their client. The representative stated that I had a balance of {$3900.00}. 
On XXXX XXXX, 2016 at approximately XXXX I received a call from someone by the name of XXXX who stated she was calling from the Law Firm of XXXX XXXX XXXX and XXXX in regards to a student loan for which I owed more than XXXX. I explained to XXXX that this matter had gone to court and was dismissed. I also explained her that this matter was being disputed. XXXX then informed that Navient did not share that information with them and they were not supposed to contact me. XXXX stated they would not be calling back but that I could send a copy of the discharged court case via email ( XXXXXXXXXXXX ). 
I have filed a complaint with The XXXX. Since filing the complaint Navient has placed a negative 30 day past due mark on my credit every 30 days and on XXXX instances two times in one month. The loan is listed on my credit report as charged off. In documents provided to XXXX Office Navient states the loan is with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
After experiencing identity theft, I contacted, via certified Mail, and identified the following accounts that were not initiated by me : cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Despite providing the FTC identity theft report on and other proof showing this information/these accounts are fraudulent and a result of identity theft, Transunion has still refused to remove this information from my consumer report and has verified this information as accurate. Im confused as to how these accounts which are fraudulent were identified as accurate, especially as I was not provided with the investigation report, and as my personal information was included in Transunions most recent data breech.

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 2020-12-18
Company: EQUIFAX, INC.
State: NC
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:
Everyday my credit is use to purchase car loans and credit cards .currently I dont even have a job to get credit in my name ... so its definitely fraud thats happening to me .. I tried contacting Equifax and asking for a fraud alert and they suppose to contact me everytime my credit is recorded but they dont they basically said that is was factual data .. they are abusing my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have a customer at regions Bank in XXXX Georgia. I placed my daughter as beneficiary on my checking account when I open my account several years ago. My bank is in a small town everyone knows everyone my daughter went to middle and high school there everybody knows who she is. The first incident occurred the year I opened my checking account. My daughter and her husband have their own checking account at the same branch. XXXX day she came in and could not remember her checking account number they asked her for her social and it pulled up her name up on my checking account and gave her an account balance and serval bank deposit information. She had no idea that it was my account she assume that it was her and her husband 's account she was inquiring about. 
I immediately brought it to XXXX XXXX attention the branch manager. I gave her the employees name and details and she saidthe reasoning for that mistake she says is when they pulled the account through this social the first screen shows her name as beneficiary so they assume that she owned the account that was her only solution. She said it would n't happen again. Now on XXXX XXXX, 2016 the same incident occurred again. I am very angry and concerned from the breach of my personal information even though she 's my daughter and down as my beneficiary she has no rights whatsoever to my checking account! 
I am requesting an expedited resolution in compensation due to the fact that it was never resolved and it is still an issue and it is against the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: Navient Solutions, LLC.
State: MO
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 called Navient on XXXX XXXX, 2016 and XXXX XXXX, 2016 ( 3 business days ) prior to a pre-authorized transfer ( XXXX/XXXX/16 ). I wanted to change the payment date and if not stop payment. I was told be a Navient supervisor that I need to stop payment 10 days prior. Regulation E, section 1005.10 under stop payment states that a customer has a right to stop payment 3 business days prior. The regulation does not require me to contact my bank and pay stop payment fees. The regulation allows me to be able to contact the financial institution submitting the transaction to cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The Complaint that I have is with Bank of America over the last 5 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with Bank Of America I have not received anything that I requested and it still listed on my credit report from all three of the Credit Reporting Agencies. They also to not show on my report the I dispute this account and this is all in volition of Fair Debt Collection Practices Act.

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 2022-11-22
Company: National Credit Systems,Inc.
State: SC
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:
I have tried communicating with this XXXX XXXX several times, as well as the collection agency. They are alleging the {$930.00} debt is for breaking a lease that I never signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America closes an XXXX years old checking account that has impeccable records, based on " business decision '' without giving any specifics. The closure leads to closures of XXXX credit cards issued by Bank of America. Earned rewards are confiscated, pending rewards are forfeited. XXXX credit cards are in good standing through all their histories. 
Please see attached write up of the complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation