BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-07
Company: Navient Solutions, LLC.
State: LA
Product: Other financial service
Sub-product: Debt settlement
Issue: Disclosures

Complaint:
In XXXX, I made the required number of payments to rehabilitate my defaulted student loans. I was told by a representative at the time, who was from either Pioneer Recovery , Inc., or XXXX XXXX XXXX, that XXXX XXXX XXXX ) consecutive payments would have to be made to a company called XXXX. After which, my loans would be in good standing ; the collection fees would go away and I could defer the loan if need be. Pursuant to what I was told, I set up the payments for automatic debit from the checking account. After the payments were made, I received a letter from XXXX XXXX XXXX XXXX, saying congratulations on the rehabilitation. I was then told by one of the servicers that I would have to immediately start making {$400.00} payment per mo. At the time, I could not afford to make {$400.00} payments and I therefore requested a deferment and was told that I could not defer the loans. The loans were never placed in good standing, the collection fees did not go away, and a deferment was not available. 
In late XXXX, to resolve my student loan dilemma, I requested detailed accounting from Pioneer Credit Recovery on how my payments had been applied and other information. They supplied very little information. Through all of this, I was receiving correspondence, simultaneously and sometimes conflicting from XXXX XXXX XXXX XXXX, c/o XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, c/o Navient, XXXX, Pioneer Credit Recovery , Inc., XXXX, XXXX, and Navient. Dealing with these various companies has been confusing, frustrating, inaccurate, inconsistent and most of all deceptive. I would like a clear explanation of how my original student loans totaling {$55000.00} are now $ XXXX. In closing, these companies have reported inconsistent and inaccurate information to the credit bureaus adding to my frustration.

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 2020-04-02
Company: Accelerated Receivables Solutions
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was not aware of this debt until XX/XX/XXXX at approximately XXXX when I was served with the legal papers. I initially tried calling the company where the medical services took place. They refused to help me. They said that the debt was too old and that " I should have read my Explanation of Benefits '' or known the terms of my insurance better. As I explained to them, I wait for the bill so that I know that everything is hashed out between the insurance and the facility. I do not even recall receiving an Explanation of Benefits, but I know that I did not receive any letters. When they refused to help me, I called and talked to XXXX at Accelerated Receivables Solutions. When I spoke with her, she let me know that they had sent me 2 letters since the XXXX date of service. I do not recall receiving either of these. The kicker was that she openly admitted that THEY CALLED ME OVER 160 TIMES. I did not receive any messages and like most people, I do not return calls that I don't know and that don't leave a message. XXXX demanded payment in full and told me that the ability to make payment arrangements had passed. I proceeded to tell her that if they weren't even willing to work with me, that I would see what my options I had in regards to harassment as she herself had admitted the number of times that they called. Looking at the math, that would be 1 phone call every 5 days for the past 2 years and 3 months if you are only looking from the date of service from the original debt of XX/XX/XXXX and I am sure that they received it at least a few months after that date which would make the number of phone calls even worse. I would like to know what options I have her and what I need to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have reached out to XXXX company on numerous occasions to try to resolve this fraudulent account that has already been removed from XXXX XXXX Report. The account are violating multiple FCRA laws. Such as 15 USC 1681 ( b ), 15 USC 1681e ( b ) and 15 USC 1681.

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 2017-01-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Trying to pay student loans back from XXXX to XXXX. Received XXXX and XXXX, however payment shock occurred when paying back. No consiconsideration that high paying job has not occurred. Navient sets payments big and options are not compatible to salary and cost of living. Attached high interest when missing as it is sad that it 's unimaginable to pay back. 
Please help with reasonable affordable payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX is reporting multiple accounts that are closed and late payments from multiple accounts i will need this change immediate because it is hurting my funding opportunity

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 2019-12-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I'm a one year member of USAA Federal Savings Bank, which I was able to join slightly after the closure of XXXX XXXX XXXX XXXX. 

During the time of XX/XX/2019, I was the victim of a phishing attempt from an account user on XXXX.who had used XXXX XXXX to set-up a fake check in the amount of {$1000.00}. 

However, I did not know this was a fake check ... because the scammer had used XXXX XXXX to set-up the check. The only way I knew, was when my checking account had been put on a temporary freeze, because of this. 

Apparently, this resulted in a restriction for 6+ months. As of XX/XX/XXXX,  my account had been in mostly good standing, so they partially removed the account 's restriction regarding my depositing abilities and limitations of how much was acceptable to deposit. 

They have not yet, found a solution to my complaint ... and in partial ways passed it off as fraud. According to the Depositing Agreement, which is somewhat flunky in these sorts of situations, Members are responsible for incoming funds and verification that they are legitimate. 

But, I have an additional complaint. 

During the following month, I had discovered that I was a victim of a scam through a contract which had been breached for music management services. Although these two " recipients '' were completely at fault, USAA had retracted any amounts related the transactions which were in question after disputing with the vendor. 

Within this complaint, I have documentation which shows exactly what happened. USAA prior to the dispute process had asked me to show them PDFs of the police reports verifying my claims. I did so by initiating an IC3 report of CyberCrime of each incident with the Federal Bureau of Investigation of The United States of America. 

Not only was nothing done to punish these criminals, but my reports became non-significant ... as again, I was restricted for over 6 months, trying to restore this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I paid for credit card my minimum payment in time. XXXX XXXX, 2017 I received a letter from Capital One Bank, they are closing this account, because of usage and violations of the Capital One Customer Agreement.
I called to them and I spoke with representative, but he/she put me chine-line to talk numbers of unresponsable workers on phone, ask me verifications nothing more or less. I ask to explain what exactly I did wrong to violated they our agreement. Can you sent me to study.
I sent them a promissory note, and XXXX ( XXXX XXXX XXXX ) to discharge my debt.
This remedy government provide for us to use for our protection and it is absolutely lawful.
I processed a payment from Straw man account on my name XXXX XXXX XXXX, with my SSN XXXX. This payment was reversed. The Bank don, t have the right to restrict my right to use any account on under.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: AES/PHEAA
State: NY
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 APPLIED for a consolidation with FedLoan Servicing not knowing that I would be automatically enrolled. I found out that my loan had been consolidated from calling XXXX ( my previous loan servicer ) and they told me that FedLoan had bought out my account. I was never asked to confirm via signature whether I was sure I wanted to consolidate and if it was the best option for me. They have raised my interest rate since the consolidation and have sent my account into delinquency on multiple occasions even with me filling out the proper paperwork and providing them documentation for a forbearance. I was unemployed in XXXX and asked for an Economic Hardship forbearance which I was n't granted because I did not write the date on the physical form ( even though I had provided my termination letter from my employment ). They never inform me of the changes they make to my account and this is the second time they have placed a delinquency on my account even with me applying for a forebearance. I would like to get my account transferred back to XXXX and XXXX. I am praying you can help me resolve this and get out of this horrible engagement that I have with FedLoan Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Due to a medical hardship affecting my XXXX daughter, I started the loan modification process with SunTrust in XX/XX/XXXX because my wife and I had to leave work to care for our daughter and we were adversely affected financially. 
My first request for assistance was denied in XX/XX/XXXX because " income was NOT sufficient '' for an affordable modification. My wife returned to work on a flex schedule to improve our eligibility. 
My second request was denied in XX/XX/XXXX because of a " lien error '' affecting the SunTrust 's 1st position. I spent money and time fixing this. 
My third request was denied in XX/XX/XXXX because " income was sufficient '' for a modification. I appealed. 
My fourth request was denied in XX/XX/XXXX because of a " prior loan modification ''. How is this possible?? Why was I not informed this ten months ago when we began this process? 
If SunTrust is not engaging in fraud, it is at a minimum grossly negligent. I spent almost one year in the loss mitigation process, where life decisions were made that impacted the well-being of my family to be told that I never was eligible from day 1?? When I spoke to SunTrust 's mortgage escalation staff member XXXX on XX/XX/XXXX and asked when these investor guidelines changed she responded " I do n't know '' and later said " be glad you received a prior modification ''. I requested a copy of these investor guidelines effective for XX/XX/XXXX and XX/XX/XXXX and have not received anything. For reference, the prior modification was done in XXXX and was completed because SunTrust had put me in a subprime interest only mortgage product, yet I was A tier credit.

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 2016-11-18
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Today my lender increased my private student loan payment, without my knowledge or consent. As it was before I was struggling to make the payments, and when I tried to reach out for a way to negotiate payments or change the payment plans, they told me that my loan did n't qualify for that. I also think that they might be underestimating how much money I pay in interest on my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: AES/PHEAA
State: KY
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 begin using fed loan services in XXXX in XXXX. I moved in XXXX of XXXX, I have reported the change but I did not receive any statements from them which I thought was strange because It was time for me to do a deferment. I contact fed loan services again and I was told that my deferment has ended and it was time for me to renew. as I did, I was n't aware that I was late on payments. 2 years later I check my credit score and it showed that I was 30 days late. so I dispute it with the credit agency and then fed loan services, reported that I was 120 days late. now my credit has decrease due to this. I have tried to dispute this with them and they declined every attempt I have tried to make with correct this issue. I even contacted the ombudsman, and still I receive nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
my father had a reverse mortgage. he passed away in XXXX i have been trying to work with the service provider as the sole heir. they keep changing hands and losing paperwork. its been ongoing 17 months now. now they have broken into the property and charged me XXXX bucks for their mishap. i need help. and i want them to be held accountable for all the errors over the years. they took advantage of my XXXX year old father multiple times with these predatory loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am asking {$450.00} promotional bonus from TD Bank due to promotional offer. On  XXXX   XXXX ,  2017  I opened a premium checking account and convenience checking account as brand new customer. According to promotional offer, If customer make {$2500.00} direct deposit can get {$300.00} bonus for premium checking. If customer make {$500.00} direct deposit for convenience checking can get {$150.00} bonus. Followed by these requirements, I had direct deposit more than {$2500.00} on  XXXX   XXXX ,    2017  to my premium checking within 60 days and another direct deposit more than {$500.00} to my convenience checking on  XXXX   XXXX ,  2017  within 30 days. I had asked bank numerous times including personal visit to branch, secured message, over the phone etc. to pay. However this bank used different excuse to refuse to pay {$450.00} bonus. In order to avoid monthly service fee, I am asking the bank to hold these  XXXX  accounts to pay {$450.00} bonus. OR I am asking this bank to pay {$450.00} and close these  XXXX  accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I got an email from experian saying that my credit score decreased. I judt have a feeling that someone is trying to apply with my social security number to get credit cards. I want to desput recent inquiries since I didnt apply for those

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 46 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Mr. Cooper Group Inc.
State: FL
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:
My husband and I have a small mortgage with Mr. Cooper in the amount of {$280000.00}. The property is worth well over {$1.00} XXXX. We were escrowing for taxes and insurance. In XXXX the escrow account was short {$160.00} I immediately contacted the company since I had been sending excess funds towards principal reductions on a monthly basis for over a year and a half. I asked the company to reverse one of those excess payments and apply it to the shortfall to clear the record and avoid a late payment being reported to the credit agencies. The company was able to make all sorts of adjustments to my account going back several months to correct their record and mistakes, however, they were unwilling to make this adjustment to clear the payment and avoid reporting it 30 days past due for the {$160.00}. I have made many calls, sent emails, and even reached out to the CEO without resolution. I wish to formerly file a complaint towards Mr. Cooper and their treatment of clients and unwillingness to correct a mistake that negatively impacts my credit history. 

On XX/XX/XXXX I contacted the company and spoke to XXXX XXXX and asked that they reverse unapplied funds and make the account whole and take care of the {$160.00} escrow shortfall. XXXX XXXX responded and said he would check the account on XXXX and make the necessary adjustments to apply the funds, rebalance the escrow account and adjust the payment amount. Over the following days, I checked the account repeatedly to see if these adjustments had been made. Many adjustments were made, except the one to clear the {$160.00} shortfall. On XXXX I contacted XXXX XXXX XXXX again and made him aware that all of the adjustments had been made except the one to clear the {$160.00} shortfall. On XX/XX/XXXX I contacted XXXX XXXX XXXX again as I did not see the adjustment on the account. He indicated that they could not do anything about it and would be reporting our mortgage as 30 days past due because of the {$160.00} shortfall. Having been a XXXX XXXX  for XXXX years, I know this was a false statement. I pleaded with him to no avail. I then went online and found the contact information for XXXX XXXX, CEO of the company and sent him an email pleading for resolution. I have yet to hear back from him.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2016-03-17
Company: EQUIFAX, INC.
State: AE
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I attempted to purchase a credit report from Equifax website for {$39.00} with my credit card. During the payment processing, I received an error saying the product I requested was not available and I was unable to continue. Upon looking at my credit card statement online, I saw that Equifax had a pending transaction for {$39.00} even though I never received the product. I called Equifax and they said this is normal and I will need to wait 5+ days for it to drop off my account. Pending transactions are deducted from my available credit so I can not access {$39.00} for 5+ days with my credit card. How can Equifax post a transaction for something I never received!?

Company response to consumer: Closed with explanation