BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NE
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:
I was forced to apply for and sign off on student loans that were not legal. Their tactics were incredibly aggressive going so far as to tell me " If you do n't sign this RIGHT NOW you ca n't go to school anymore. In fact, you ca n't even go back to class! You 'll have to leave right now from my office! '' Then I became XXXX and when I tried to have my loans discharged because of a XXXX, they denied it and said I still had to pay!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: MA
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 REPORT ACT XXXX  ACCOUNT # XXXX, ACCOUTS # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2.

IT ASLSO SAYS, STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A, ACOOUNT WITHOUT MY WHITTEN INSTRUCTIONS.

DELETE ACCOUNTS PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: ASTA FUNDING INC.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I bought an auto from XXXX XXXX in XXXX within the 45 day return period the transmission went on the vehicle. I was able to negotiate with XXXX & purchase a different vehicle, which was paid off in XXXX. I received a judgement letter from Palisades Collection ( dated XXXX/XXXX/XXXX ) in XXXX XXXX & an " executive notice '' from the county sheriff 's department from palisades just this past month ( XXXX ). I have sent palisades a request for more info. I recently received the same letter from XXXX XXXX XXXX XXXX.. I guess they are representing PC. I responded to them with the same request. I never received any type of court orders prior to these notices. They are 2nd & 3rd party collectors, trying to collect a debt that I do not even owe, that is more than the statue of limitation in NC. They have threatened to take my personal possessions. I have requested them to cease these actions, however they have continued to harrass.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: CO
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 XXXX XXXX XXXX

has violated my rights. I did not authorize the credit inquiry. 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 explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: MA
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 REPORT ACT XXXX  ACCOUNT # XXXX, ACCOUTS # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2.

IT ASLSO SAYS, STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A, ACOOUNT WITHOUT MY WHITTEN INSTRUCTIONS.

DELETE ACCOUNTS PLEASE!

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 2020-04-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have over 5 years with Chase Bank. I have never had a missed payment, negative balance and my credit score is XXXX. I have a personal account, auto loan and business account with chase. During this Covid crisis they decide to send me bank closure account letters for all my credit cards and my personal accounts. There is no reason other then listing " reputational risk '' which makes zero sense to me. Ive called and they give no information. This is not right. They are closing peoples accounts for unknown reasons during a time that getting money and funding is very difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My minor child used my credit card for over {$12000.00} of unauthorized charges within gaming apps through XXXX. When I initially reported the unauthorized charges, I did n't even know it was my child that had done it ; Citibank said we were not responsible for the charges. They refunded some of the charges and then declined to remove any more stating that we are responsible for misconduct of the child.

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 2017-05-23
Company: EQUIFAX, INC.
State: AZ
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 did n't recognize these accounts : "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX  Account #  XXXX  ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: JPMORGAN CHASE & CO.
State: TX
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:
Chase show wrong on my credit bureaus report XXXX XXXX   need be from remove from XXXX  XXXX  soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15
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: Personal information incorrect

Complaint:
My legal name has always been XXXX XXXX XXXX. I have submitted documentation over for this to be corrected and it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I do not consent to e-oscar verification. I am writing today because I have tried to contacted the agencies that " assumed '' a vital role in accurately reporting consumer information multiple times over the last sixty days and have received no response. BK of AMERICA is in violation of XXXX XXXX XXXX as they have failed to validate the account they and XXXX, XXXX and XXXX are reporting while defaming my character. FDCPA XXXX misleading false reporting. Reporting these false things is very misleading.18 U.S. CODE 1028A-Aggravated identity theft you shared my information with numerous creditors without getting my consent first. You are criminally liable for aggravated identity theft which is punishable for up to 2 years. FDCPA 8012 furnishing deceptive forms : you furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information. Also you reported that I owe a debt, but nowhere on my credit report do I see a negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By telling me I owe a debt, but reporting positive balance to my credit report is very deceptive.

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 2020-04-14
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/2019 the collection agency HUNTER WARFIELD ( address & phone number below ) filed a {$940.00} collection entry against my credit report on behalf of the original creditor XXXX XXXX XXXX XXXX regarding a lease for a property at XXXX XXXX XXXX XXXX, FL XXXX that they claim I am responsible for. note that the lease they provided is INVALID as the LANDLORDS/Owner ( s ) of XXXX XXXX XXXX XXXX, FL XXXX were - and still are - XXXX, XXXX and XXXX, XXXX [ Tenants in Common ] evidenced by the XXXX County Tax Record file attached. The correct VALID lease provided by XXXX XXXX XXXX ( attached ) reflects this ownership as well. The INVALID lease provided to me by Hunter Warfield ( attached ) indicates that the Landlord/owners of XXXX XXXX XXXX XXXX, FL XXXX were XXXX XXXX and XXXX XXXX which is incorrect ( ie not a valid lease ). I have provided redacted versions of both leases along with a screen shot from the XXXX County Florida Property Appraiser indicating correct ownership of the property located at XXXX XXXX XXXX XXXX, FL XXXX. I have never signed a valid lease for XXXX XXXX XXXX XXXX, FL XXXX nor have I ever resided at the property and therefore dispute this charge in its entirety. Unless Hunter Warfield is able to provide a valid lease I request that the debt immediately be removed from all credit bureaus to which it was submitted. If Hunter Warfield feels as though this lease is legitimate I request that they provide evidence of the LANDLORDS mentioned, XXXX XXXX and XXXX XXXX. 

Thank you, " XXXX '' XXXX XXXX ( XXXX ) XXXX XXXX   XXXX Contact information for Hunter Warfield XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX Collection account # XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX found identity theft occurred. An Investigation Letter will be mailed to me showing the charges made under my name and SS were fraudulent. 
I will receive a Fact Act request in the mail to fill out to obtain the details of the identity theft. 
Details of fraud. Account opened XXXX XXXX online using my social security number for purchases totaling {$920.00} under the edge program. Under the edge program items are billed to the recipient. The goods consisted of XXXX 5s iPhones and other merchandise. 
The merchandise was delivered to an address in my City and signed for. 
The unpaid items were turned into the credit card reporting agencies as delinquent XXXX XXXX 2015 for {$920.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights.

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 explanation
Consumer complaint received 2016-11-22
Company: CITIBANK, N.A.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been in modification for several years with CitiMortgage. Today ( XXXX/XXXX/XXXX ), the underwriter erroneously closed my file 9 days prior to my sale date ( the sale date is XXXX XXXX, XXXX ). 
On XXXX XXXX, XXXX, four final documents were requested via letter : Lease agreements, XXXX taxes, 3rd quarter profit and loss and bank statements. I provided these four docs by the XXXX XXXX, XXXX deadline. They were accepted by CitiMortgage and I received written confirmation that all of my documents were successfully submitted. This was the final request for documents ( as confirmed today XXXX/XXXX/XXXX ) by XXXX XXXX at CitiMortgage. 

Today, XXXX confirmed that my file was closed for failing to provide a " recorded quit claim deed ''. This was not requested on my final document request letter from XXXX XXXX, XXXX. She agreed over the phone that this was an error and asked that I submit another complaint to the CFPB. They appear to be continually misleading me and intentionally trying to circumvent my due process under the CFPB fair practices laws. I consider this an intentional infliction of XXXX on me and my children. We desperately need to stay in our home. CitiMortgage needs to be shut down until they correct this behavior or it will just continue. They have no reason to comply with CFPB rules if they repeatedly violate them without consequences.

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 2017-05-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted application on   XX/XX/XXXX to XXXX XXXX a home mortgage consultant, I informed her of recent purchase of a home XXXX and I was seeking a loan for a home remodeling project.  I indicated that I was a customer with Wells Fargo for over 25 years and had several active accounts.    
XXXX XXXX that I met their criteria and we discussed a XXXX  loan.  She indicated that I need to provide the following items:
	Two pay stubs from my wife XX/XX/XXXX & XX/XX/XXXX tax returns
	Mortgage statements on all properties owned
	Home owner insurance
	Pension statements
	Social Security award letters
 These items requested via a letter dated XX/XX/XXXX This was followed by request via the phone, a letter covering my wifes gap in employment, the requested copies of rental roles on all income property, they requested documentation on property sold in XX/XX/XXXX, as well closing statement on property sold XX/XX/XXXX, prior to purchase current home. 
Later the following items were requested:
	Year to date pay stubs for all jobs 2 years of XXXX forms for XX/XX/XXXX-XX/XX/XXXX Year tax returns, personal with all schedules for XX/XX/XXXX-XX/XX/XXXX (XXXX,XXXX,XXXX,XXXX and XXXX Mortgage note, good faith estimate or truth and lending showing the rate of primary and rental purchase
	YEAR TO DATE BUSINESS PROFIT/LOSS STATEMENT GOOD THROUGH XX/XX/XXXX
	 MORTGAGE NOTE, GOOD FAITH ESTIMATE, OR TRUTH IN LENDING SHOWING THE RATE ON THE PRIMARY AND RENTAL PROPERTY ARE FIXED RATES COPY OF THE HUD1 SETTLEMENT STATEMENT FROM THE RECENT PURCHASE OR REFINANCE OR SALE OF A PROPERTY
	 PROPERTY TAX STATEMENT FOR ALL PROPERTIES
	XXXX FORM SIGNED BY ALL BORROWERS PLACE A X IN BOX XXXX, PLACE A X IN THE ATTESTMENT AT THE BOTTOM, PROVIDE ALL SS#S, LEAVE LINE XXXX BLANK
	 LIST OF HOME IMPROVEMENTS) NEED A BRIEF LIST OF HOME IMPROVEMENTS.  HAS ANY IMPROVEMENTS ALREADY STARTED OR ARE WE WAITING FOR THE FUNDS?
	 BORROWERS CERTIFICATION

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 2020-06-15
Company: Patient Account Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a medical debt with Patient Accounts Bureau/XXXX  XXXX that was paid off on XX/XX/2020. The Payment was paid ( {$1500.00} + {$6.00} handling fee ). I have continued to receive collection calls. I have told them repeatedly this was paid off and I have been told each time the manager, XXXX XXXX, would call me to resolve this. Each time they call for payment, we go through the same deal, with them always saying XXXX XXXX will straighten it out. I have sent them ( repeatedly ) copies of the confirmation code and the account it was paid on to no avail. The only information that any of the collectors have been able to tell me is that maybe they applied it to another debt that I have with them. If this is the case why did the balance not go down on the other account and how are they able to take the money away from where I had applied it? I received no satisfactory answer other than XXXX XXXX would call me, which she has yet to do. XXXX, XXXX, XXXX is way to long for them to find my money, pay off my account and quit calling me regarding it.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-14
Company: PACIFIC WESTERN BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been with Pacific Western Bank, or the banks it acquired, for 24 years. I have both my personal and business accounts in the XXXX XXXX branch in XXXX XXXX. My company also uses the XXXX branch for our deposits from our XXXX office. With few exceptions the relationship with PWB has been symbiotic and professional until recently. As it stands now, a PWB manager is engaging in practices that are putting my business at risk and causing vendors and employees to go unpaid. 

Roughly a month and a half ago, XXXX XXXX, manager of the XXXX XXXX XXXX, began placing holds on our deposits. In some instances she would place a hold on only one of several checks deposited. In other instances she would place a hold on all checks deposited. The holds would be placed without her having reviewed the checks in person and without any personal knowledge of who the check issuers were or the amounts of specific checks. In two instances, at least, she placed 7-10 day holds on cashier 's checks from known depositors with whom we bank with weekly. As far as I can recollect, this year there has only been one instance where a check was returned to PWB from one of our client 's issuing banks for NSF. There was also only one instance of a check being returned due to a stop payment being issued. Those two instances were apparently the trigger for the scrutiny that XXXX XXXX is now indiscriminately wielding on all deposits. 

When I have inquired as to why she is doing this, her responses, the few times she answers my calls or emails, can be summarized as she must protect the interest of the bank and it's employees. How can that be done when she is single-handedly putting one of it's longest standing business clients out of business? 

As it stands today, she has over $ XXXX of my deposits on hold. As a result none of my employees were paid last week and remain unpaid, our primary vendor also remains unpaid, and I am spending more time and energy responding to her decisions to hold our money than I do responding to the needs of my employees during this difficult time. It is unconscionable that a company that is continually making deposits and capable of paying it's employees, albeit difficult, is unable to do so because it's bank manager has chosen to hold all it's deposits while the federal government is giving away billions to avoid this very issue. 

I am requesting all holds be removed from my deposits and that my accounts be transferred to a different branch with a different manager,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05
Company: CL Holdings LLC
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i have continued to write Jefferson Capital Systems , LLC and XXXX XXXX XXXX, requesting that they verify the alleged debt. As of this date they have continued to contact me at work and home at all times of the night demanding that A paid this debt. I have never had an account with XXXX XXXX. After repeated communication to these agency 's they continue to make threats. I am filing this complaint to request the Consumer Financial Protection help in resolving this matter. I received a phone call from one of XXXX, telling me that they are going to report me to the XXXX XXXX were I am employed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My student signature private loans through Navient were not deferred in XX/XX/2016 when I returned to college as a full time student without an income. I contacted Navient and was told that I would continue to receive late fees every month if I did not pay my loans. Navient told me there was no way to defer that particular loan or any options to reduce my payments. I have had perfect credit up until this recent issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: World Acceptance Corporation
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 had a charged off account from World XXXX XXXX that has been on my credit report as a charge off since XX/XX/XXXX The account was opened on XX/XX/XXXX for an amount borrowed of {$320.00} dollars. 
From the original charge off date up until XX/XX/XXXX the amount was reported as {$320.00} dollars On XX/XX/XXXX my credit report reflected World XXXX had suddenly increased the amount charged off and my credit report worded it as the following : " Balance Increased by {$2600.00} '' I disputed this with XXXX on XX/XX/XXXX and on XX/XX/XXXX my credit report reflected a decrease in balance in the amt of {$2600.00} However, on XX/XX/XXXX my credit report indicated the had again added this {$2600.00} amount back on. 
I have disputed it with XXXX, I have involved the XXXX. At this point, XXXX said I should file a complaint here The contact information for World XXXX is : XXXX XXXX XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation