BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-28
Company: Navient Solutions, LLC.
State: TX
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 Student Loans to ask for a lower payment plan because they keep raising my monthly payment amount. I was told the only way that I could qualify for a reduction in my payment was if I completed a verbal financial statement. I gave the Agent my information and she rudely cut me off saying I did n't have any disposable income and then said she was going to put me on hold to check my credit. After a fairly long wait, she returned to the line and asked what other student loan companies I was paying. I told her XXXX XXXX XXXX XXXX and XXXX. She told me that she did not see the names of those loan companies on my credit. I told told the agent that I did not give her permission to check my credit and she responded with the statement that she did not need my permission to check my credit. I told her she did and she cut me off saying that the names I gave her were not on my credit. I told the Agent that XXXX was XXXX Bank and XXXX is XXXX XXXX XXXX XXXX XXXX. The Agent 's story then changed. She claimed that she saw those companies on my credit but, that they showed the loans in forbearance. I reassured her that I was paying the companies monthly and she then demanded that I send in copies of my banking statements to prove I was making payments. I told the agent that I was not sending my banking information but, I could send in the monthly statements from the lenders. The agent then said I was asking for help and since I was refusing to send in my banking statements, she was going to put on my account that there was nothing they could do for me. I feel like there is something unethical and illegal going on with this company. I am trying to communicate with them and pay my student loan. All I asked the company for is relief on the monthly payments and I was yelled at by an agent who checked my credit without my permission. Navient should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX my car was broken into and my check book was stolen. On XX/XX/XXXX I was in a car accident where I was rear ended in traffic which resulted in a significant concussion which I am still dealing with the effects of. On XX/XX/XXXX, XXXX XXXX filled out check # XXXX from my checkbook for {$220.00}, forging my signature. XXXX total checks were filled out and deposited into back accounts at XXXX XXXX the dates, check numbers and amounts are : XX/XX/XXXX - XXXX - {$320.00}, XX/XX/XXXX - XXXX - {$420.00}, XX/XX/XXXX - XXXX - {$520.00}, XX/XX/XXXX - XXXX - {$200.00}, XX/XX/XXXX - XXXX - {$300.00}, XX/XX/XXXX - XXXX - {$400.00}, XX/XX/XXXX - XXXX - {$400.00}, XX/XX/XXXX - XXXX - {$570.00}. During this time frame I was under a doctors care, off from work, not allowed to look at screens ( I get paperless statements ). XX/XX/XXXX - While looking back through my account for a specific transaction I noticed several check numbers. I discovered XXXX total. I called Chase and made the initial claim. When I did discover the fraud XX/XX/XXXX - I updated my police report with XXXX Police. Closed my account with Chase and opened a new one. They said that my new debit card would be at my house in about a week. XX/XX/XXXX - I called Chase for an update. They said that it was still ongoing. 
XX/XX/XXXX - I arrived home and there was no new debit card. XX/XX/XXXX - I called Chase for an update on my claim and they said it was ongoing. I asked about my debit card and was told that a new one was never sent out. I called XXXX Police and later that day a detective reached out. XX/XX/XXXX - I emailed the detective the pictures of the fraudulent checks. XX/XX/XXXX - I received an email saying that my claim was denied because the the time frame from the fraud to when I discovered and reported it was too long as stated in the " Deposit Account Agreement '', however the agreement states, " You must notify us in writing of any unauthorized, improper or missing endorsements within six months after the account statement is mailed or made available. '' Which I did. Check fraud over {$2000.00} is a Class 6 Felony in Colorado, where I live and I was a victim of a crime that also happened when I was suffering from another hardship. The XXXX Police Department is also doing a horrible job at investigating this. I have pictures of the checks because they were mobile deposits and I was able to see them on my account and print out copies. I can provide those if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : 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 2017-07-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
Between us, my husband and I have {$140000.00} in debt, mostly on high-interest ( 25 % and more ) credit cards and bank lines of credit. This debt is all directly or indirectly the result of medical bills and the huge insurance premiums we had to pay in the XX/XX/XXXX before we qualified for XXXX. Every year now we pay five figures in interest on this debt. Wells Fargo has turned us down twice for a loan that would lower our finance charges. They say our debt-to-income ratio is too high, yet they wo n't even tell us what the ratio would need to be for us to qualify. We are XXXX XXXX, respected in our industries, and we are able to cover our other living expenses with income from our work. However, there is a limit to how much we can ever earn between us, no matter how hard we try, and we are getting old. I 'm sure we are not alone. There must be other Americans in our situation. Please help us. Thank you.

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 2016-03-04
Company: Navient Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Navient Student Loans have called me 8 times today starting at XXXX. They are calling my home phone as well as my cell phone. 

I pay my student loan every month and as soon as I am one day late the phone calls start coming at XXXX. until XXXX. It is not like I am 30 days late. I am so tired of being harassed by a company where I pay my bill every month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2020 I had 4 inquiries made to my and my wife XXXX 's credit file without authorization> These were hard hits impacting our credit score and severely impacting our ability to secure credit and if secured at a much adverse rate and terms. To state i should put a security freeze onto the account is a LIE and misinformation because I was advised by all three Credit Bureaus they can not prohibit inquiries!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: AMERIS BANCORP
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Due to COVID related issues my loan was approved for forbearance for three months. After the three month period ( XX/XX/2020 - XX/XX/2020 ) I resumed making my mortgage payments. Ameris Bank ( mortgage lender ) ensured me that my forbearance was approved and I would receive the agreement via mail within 30-45 days. I have not received the forbearance agreement with the correct dates, nor have I received options for payment plan. Additionally, I am refinancing through a different lender, and my payment information is being reported incorrectly. It is being reported that my payments are still past due despite the approved forbearance and the skipped payments are being made three months after. I have called Ameris numerous times without resolution to the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Phoenix Financial Services LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XX/XX/XXXX XXXX Account Number Unknown XXXX XXXX Hospital Dates of Service XX/XX/XXXX, XX/XX/XXXX Emergency Room Visits Medical Coverage at that time was the Veterans Administration, 100 % XXXX veteran Today, XX/XX/XXXX I received a phone call from Phoenix Financial Services collection agency about an outstanding bill. According to hospital records and XXXX XXXX XXXX records, my accounts have a XXXX balance. These accounts were paid by the Veterans Administration over 6 months ago. Phoenix Financial Services stated they  were forwarded this collection from Altheon.and they would not withdraw the collection action. The Veterans Administration advised me to contact them if I received any demands for  payment from any agency regarding these services. XXXX will not communicate with me by phone, only email. I have emailed them numerous times today with no satisfactory response, only requests for information that they already have in my account file, or the email I sent them initially. I have never received any letters at any time from either XXXX XXXX XXXX or Phoenix Financial Services. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have a Barclays Frontier credit card, and I noticed that my miles expired in XXXX of XXXX. I called today, XX/XX/XXXX and asked why their expired and spoke to an extremely uneducated customer service rep, XXXX. I was told that if I don't use the miles within 90 days then I lose them, which I know is incorrect -- the miles are dependent on credit card usage. I called Barclays and let them know that at the end of XX/XX/XXXX I was getting stationed to do XXXX XXXX in XXXX, and would not have the ability to use a credit card as XXXX does not have the infrastructure to support credit card usage. I advised them that I would not be able to use the card for close to a year ( we were XXXX XXXX for XXXX XXXX ) They told me they would honor this as an exception and my miles would not expire. I came back from XXXX a couple weeks ago and noticed my miles expired. I am extremely upset. I would like to get my miles reinstated, XXXX miles to be exact. I'm sure there must be some documentation of my phone call with the bank in XXXX. My FlyFrontier Membership number is XXXX, I have been a member since XXXX of XXXX and have been storing my miles to use them for a trip one day, I am now ready to book my trip and of course they have wrongly expired my miles.

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal they also violated my rights under : 15 U.S.C 1681 section 602 A. that states I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 that states a consumer reporting agency can not furnish an account without my written instructions. 

Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # 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 2018-02-16
Company: MNE Services, Inc
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A representative claiming to be from XXXX XXXX XXXX has tied up the phone line of my work place for over 5 hour on XX/XX/2018 after being told that they need to contact me on my private phone. while talking to them on my cell phone they robo-called the office number continuously. As far as I know I do not owe them anything but they are trying to get me to pay {$780.00} by way of XXXX XXXX cards. I contacted the local sheriff Dept. they advised my it was a scam that a true debt collector would never ask for gift card. 

They claim that if I continue to refuse to pay them they would continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
This account is over 7yrs old and still remains on my credit from XXXX and should be removed from my reports and I have disputed it twice and the credit agency hasnt removed it and wont remove it when it should have been removed in XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Upon viewing the result of my dispute on my credit report I notice in the public records sections its states that there a files listed but when I goes to dispute this it in the dispute center it states no public record in file. Also they still reporting inaccurate information from XXXX as in Collection as to date but when I contacted XXXX they indicated they have not reported since XX/XX/2014 XX/XX/2014

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 2019-11-21
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The information this company says I have XXXX XXXX Credit Card never received in the mail this say I have account with them of XXXX put on my credit file the company should contack the my law frim not me or put on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There is an unauthorized inquiry on my credit report made by XXXX XXXX on XX/XX/17 that does not belong to me. I have spoken with the creditor who claims I must contact the credit bureau. When I speak with the credit bureau, I am told to speak with the creditor. This inquiry does NOT belong to me and is adversely affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a credit card that is reporting to Equifax, but Equifax is not recording it in my file? when I called to XXXX XXXX and ask why they were not reporting I was told that they would look into it, after two weeks I received a letter from XXXX XXXX telling me that they 're investigation saw that they were reporting to XXXX, XXXX, and XXXX, as well as Equifax and that I needed to contact Equifax about why it 's not showing up in their report, when I called Equifax about why it was not showing up on their report ( My other XXXX XXXX card shows up on their report ) I was told to fax over the letter as well as a copy of my statment then given a fax number and that they would take care of it. When I called to check the status 5 days later I was told that the information did n't show up and to give it another week? I then ask to speak with a supporvisor who told me that it was their poloicy to not receive any information & for me to call XXXX XXXX to resolve the issue??? I asked if that was the case than why did they ask me to fax over the information? & why did the last rep tell me to wait another week to allow the information to get there? PLEASE HELP IN ANY WAY THAT YOU CAN XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XXXX of this year ( XXXX ) I was solicited via email to open up an XXXX XXXX XXXX XXXX card. I had one years ago and cancelled it several years ago. I called American Express and asked if I would still be eligible to receive the points ( XXXX ) and was assured that I would. I opened up the account, spent well over the needed amount to qualify and waited for my bills, and points to be awarded. After the second statement, I called and asked about my bonus points ( XX/XX/XXXX, I believe ). I talked to XXXX tiers of people ( representative, supervisor, manager ) and was told that I did n't qualify because I previously had this card ( opened it up back in XX/XX/XXXX ). But they would consider it and to call back in two or three weeks. I think they knew at that time that I would n't qualify and they were just putting me off. I called today ( XXXX XXXX, 2017 ), was on the phone well over 30 minutes, talked to three levels of representatives again and was told sorry, no deal. I think this is a classic bait-and-switch, XXXX XXXX-gate, or out and out fraud, whatever you want to call it. We can refer to it as American Express-gate. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: EQUIFAX, INC.
State: WI
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 sent Equifax multiple Debt validation letters and have received no response from them whatsoever. This is an itemized list of information That I have requested and have been denied my rights for this information from them. identifying the original creditor copy of the original contract with a wet signature and or electronic signature a copy of the contract between them and the original creditor proof of license or bonded complete transaction history proof within statute of limitations have you filed a judgment on these debts insurance claims amount of debt account number date debt became payable first date of delinquency amount collector paid for the debt I would like the information for the following collection accounts which they are currently reporting. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: LJ Ross Associates
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a debt reporting across all 3 bureaus under the name of L J Ross Associates IN under the Account # XXXX. I have done no business with L J Ross as well as I informed them that my identity was stolen a few years ago in which required me to have setup fraud alerts across all 3 of my credit bureaus. It is illegal for L J Ross to spam me with letters, phone calls, and even send representatives to my doorstep. I need the CFPBs help in stopping this illegal activity right this instant or I will pursue legal counsel.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: EQUIFAX, INC.
State: MI
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:
On XXXX XXXX, XXXX Equifax has removed 9 incorrect & fraudulent accounts then later added them all back onto my credit report on XXXX XXXX, XXXX without giving the legally required written notice 5 days prior to them re-adding them. I have contacted Equifax in good faith to ask them to delete the incorrect information that they had illegally re-added. The information & incorrect accounts has caused a hardship and that my rights were violated by Equifax.

Company response to consumer: Closed with explanation