BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-27
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I started receiving calls from ( XXXX ) XXXX as early as XXXX in the XXXX! When I pick up the phone, they almost immediately hang up, only to call again a bit later. My wife called the number back as I was writing this, only to find out that somebody from Navient was on the other end of the line. Navient is a collection agency who has been after me for my student loans. They have been calling several times per day, only for me to REPEAT to them that I am XXXX ( I have XXXX and can not keep a job ) and that I am already in the process of having my student loan forgiven on the basis of XXXX through XXXX. Now it seems they have resorted to straight harassment-spoofing their number so that we can not tell it is them when they call ( we usually answer, anyway ) and then just hanging up instead of even speaking to me regarding the situation and overdue payments. What the XXXX is going on, anymore? Companies can just get away with this sort of behavior?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: DISCOVER BANK
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am following up with a previous complaint ( s ). I may be due for a refund for previous private students loans with XXXX or XXXX. 

*Please note this complaint is about a loan that was once a XXXX XXXX that was sold to Discover ( this was out of my control ). I was an employee for XXXX and opted for the private student loan option. Once sold to Discover it seems the interest went much higher and terms changed. * Discover private student loans will not work with me to lower/defer my payments on my private loan after trying to work with them. My loan was in deferment/forbearance for a while due to extenuating circumstances with regard to completing a XXXX and now I am in the process of getting XXXX. The original balance of the loan was approx. XXXX and now it is approx.110K due to the high-interest fixed rate. Due to this, the payments are XXXX per month which I can not afford. I have tried many times to contact and work with them to find a solution but they tell me there is nothing they can do. Now, I risk possible default due to not being able to pay the monthly amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 received an alert in regards to my credit report that changes were made on my credit report and inquiries were made on my credit report. The following information below is fraudulent inquiries and changes that were made on my credit report without my knowledge. EMPLOYER REPORTED - XXXX XXXX XXXX - I HAVE NEVER WORKED HERE. THIS IS NOT MY CURRENT EMPLOYER. THIS FRAUDULENT INFORMATION THAT IS ON MY CREDIT REPORT IS A RESULT OF SOMEONE TRYING TO GET CREDIT IN MY NAME. REMOVE THIS EMPLOYER IMMEDIATELY. AS YOU KNOW ACCORDING TO THE FCRA, ALL INFORMATION ON MY CREDIT REPORT SHOULD BE 100 % ACCURATE. AS THIS INFORMATION IS NOT CORRECT, REMOVE IT FROM MY REPORT IMMEDIATELY. I WANT A FRAUD ALERT PLACED ON MY REPORT. IT MAKES NO SENSE HOW THESE CREDIT REPORTING COMPANY WILL PUT ANY AND EVERYTHING ON YOUR REPORTS AT ANY GIVEN TIME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
COMMUNITY loan has added more money to my mortgage for FEMA required flood insurance XXXX have been talking to them for months about how I am already paying more in my condo assessment for flood insurance, even sent them a copy of the policy. COMMUNITY loan says they are having problems with the policy because it doesn't mention my unit number, just the condominium building and so this has been going on for 3 months and they are still charging me for flood insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Student Loan Direct
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The company is student loan XXXX. I spoke with a XXXX and signed paperwork to do a loan for student loan forgiveness program. With 5 monthly payments of {$240.00}. I believe I have been scammed. They have my debit card number what do I do? Please contact me XXXX or email XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Security Credit Services, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Security Credit Services has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: CITIBANK, N.A.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX  report shows an account change made on XX/XX/XXXX obtained through 3rd parties. I received an alert from XXXX XXXX   about changed account reported by XXXX stating dispute was resolved. On XX/XX/XXXX I received an alert from XXXX a collection account was reported by SEARS/CBNA with a credit limit of {$2400.00} opened XX/XX/XXXX. The reporting source was XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 1 : It also states a consumer reporting agency can not furnish account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04
Company: CITIBANK, N.A.
State: CA
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 rewards from credit card

Complaint:
I received a Citi Aadvantage card. I paid the balance down every time I used the card through a XXXX XXXX checking account. I racked up {$8000.00} charges. While my XXXX XXXX Bank Account was debited every time I paid the credit card, Citi closed my credit card abruptly. They said there was an error, being my account that I was paying from is a Savings account. However, I never paid from a savings account. I paid from a business checking account. I reached out to Citi and they said I would also not get the aadvantage airline miles in the quantity they promised. I told Citi they needed to give me my miles. I only got the card because they advertised a bonus for advantage miles on XXXX XXXX that I need to see my daughter. Citi reneged on its commitment, even after admitting the reason they closed the account was their mistake. Then, they tanked my credit from an XXXX to less than XXXX because they said I never paid. Citi scammed me and wrecked my credit, while lying about delivering points for expenditures.

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 2022-09-01
Company: EQUIFAX, 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. They violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I didn't not give Equifax written permission to furnish these accounts. 

BANK XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX BANK Account Number XXXX XXXX XXXX BANK  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX BANK XXXX Account Number xxxxxx XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A purchase was made to XXXX in XX/XX/XXXX for a XXXX XXXX tour while vacationing in XXXX. The tour guide never showed up! I filed a complaint with XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. Then in XX/XX/XXXX when I pulled my credit report I saw that on my XXXX credit report Chase was listing my credit card as " Delinquent ''. I have NEVER missed a payment and always paid my bill earlier, and make MULTIPLE payments per month. I called and was told that they were n't listing it as delinquent but that I had a claim open. I confirmed I have a claim open but it was due to a transaction NOT a credit reporting. I was told they would notify XXXX and the call ended. In mid-XX/XX/XXXX I received a notice from Chase Card that they appreciated me validating my claim for XXXX was accurate. I NEVER confirmed it was accurate cause it was NOT. I called back and was told that since it was closed by the specialist it would be re-opened and I would receive a letter in 3 days. It has now been a month. I am furious and disgusted with this type of treatment. The charge from XXXX in the amount of {$72.00} is not valid because I never received the tour as the tour guide never showed up. On top of that, you all are reporting me as delinquent when I am not, and never have been!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-29
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I submitted a Pay As You Earn Repayment plan for my loans on XXXX XXXX, XXXX and XXXX XXXX, XXXX. I submitted proof of income via regular mail shortly thereafter. The servicer in question, FedLoan Servicing, has not put me on this repayment plan even though they claim I am eligible. To have my application for XXXX considered, the servicer told me via phone last week, I must make a $ XXXX payment. I can not afford to do this! Since talking to the rep over the phone, the amount the servicer is requesting was increased to {$2200.00}, when my monthly income is only {$1600.00}. I am a full-time employee of the federal government and I have been trying to get on a reasonable payment plan so I can qualify for XXXX XXXX XXXX XXXX. 
Please note that I have other outstanding student loan debt with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Bronstein & Weiss Arbitration
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My family members keep getting harassing phone calls from a XXXX XXXX, stating he has filled a lawsuit against me and I need to contact him, before he submits my court order and all this is stated on a third party voice mail .. I call XXXX a get nothing but voice mails

Company response to consumer: Untimely response
Consumer complaint received 2022-02-05
Company: STERLING JEWELERS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is illegally reaging accounts and continues to report an address on my credit that Ive never lived in called XXXX, OH.They are reporting a debt as of 2021 and the account was well before 2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
TransUnion report shows an account change made on XX/XX/XXXX obtained through 3rd parties. I received an alert from XXXX XXXX   about changed account reported by TransUnion stating dispute was resolved. On XX/XX/XXXX I received an alert from XXXX a collection account was reported by XXXX with a credit limit of {$2400.00} opened XX/XX/XXXX. The reporting source was TransUnion.

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 2018-05-04
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX I applied for a XXXX  credit card with XXXX XXXX XXXX XXXX.

Application number XXXX XXXX and was denied. The following letter, XX/XX/XXXX, states " For unsatisfactory or unverifiable information '' I called the number given me in the letter to XXXX  and the rep.could not give me a specific reason, not one! and suggested I contact Equifax and get a credit report. TodayXX/XX/XXXX, I tried, on line to obtain a report and even with my old report in hand, apparently did not answer the questions correctly (? ) Then I called the number given me on the Equifax website, went through the question process and then I was told I was unable to get a report! and then was disconnected! I have dealing for over a YEAR with some unknown issue with my credit, even after, with a great deal of effort and your help, removed a " Extended Fraud Alert '' even after all this I am denied credit! XXXX XXXX has my credit rating at XXXX!! Why is this hapening to me?? For God 's sake I think at an XXXX credit score I should have companies falling all over themselves to give me credit instead of treating me like a leaper!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XX/XX/2020 I tried to thaw my credit freeze at Equifax. I was unable to access my account online ; and was requested to call. I did so, and was unable to get access to my credit account. I was verbally told to mail or fax my request with proof of my identity. I mailed the information certified as requested. I did not nor have not received any response from Equifax. I am unable to access my credit report either online, by phone or in writing. I subsequently was unable to finance a new vehicle ; and had to purchase a brand that used the other credit agencies. My credit score is and has been over XXXX. 

I was able to thaw and refreeze my credit at XXXX XXXX and XXXX without any problem. 
Please require Equifax to allow access to my account ; and at least respond to my requests. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: DE
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, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am filing a complaint about unauthorized access of my accounts on Wells Fargos online banking website on XX/XX/2022, during which the intruder : 1 ) Enrolled my accounts in XXXX service, and added two XXXX recipients 2 ) Made a series of XXXX payments from my personal and business checking accounts to the same recipient 3 ) Initiated two cash advances from my credit card account ( issued by Wells Fargo and accessible on Wells Fargos online banking website ) to my checking accounts. 

All of the above activities were NOT authorized by me, and clearly a result of lack of security measures on Wells Fargo online banking website. The long holding time of more than 45 minutes on Wells Fargos online fraud reporting line also allowed the criminal enough time to conduct those activities. 

Amount by Unauthorized Transactions 1 ) 11 XXXX payments totaling {$480.00} from my business checking account to XXXX XXXX 2 ) 4 XXXX payments totaling {$170.00} from my personal checking account to the same recipient XXXX XXXX 3 ) Cash advance of {$2400.00} from my Wells Fargo Cash Wise Visa Signature Credit Card to my business checking account XXXX ) Cash advance of {$500.00} from my Wells Fargo Cash Wise Visa Signature Credit Card to my personal checking account Action taken by me and Wells Fargo ( Claim # XXXX ) 1 ) I provided Wells Fargo with detailed information regarding the case, both verbally on the phone with their online fraud department and in writing through fax XXXX ( see attached PDF document ) 2 ) About 10 to 15 business days after the online fraud occured, Wells Fargo 's online fraud investigation department notified me by two letters ( one from credit card fraud claim department, the other from online fraud claim department ) stating that there were NO fraudulent activities related to my accounts and my claim case was dismissed.

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 2017-08-25
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On X/XX/17 I purchased a Used XXXX XXXX XXXX XXXX through XXXX on XXXX, XXXX XXXX XXXX XXXX, XXXX, IL. They applied for financing for me through BMO Harris Bank. The amount financed was XXXX at an interest rate of 5.14 %. Since then I have called the BMO Harris Auto Loan customer service number XXXX to find out what the pay-out amount of my loan is because I want to refinance the loan through my credit union. Neither through the automated system or by talking to an agent has BMO Harris been able to give me that amount. The agents have told me that my loan is not yet in the system. Today I spoke with a supervisor, XXXX XXXX XXXX, who told me that it can take 4 weeks to " book '' the loan. I got the loan exactly 4 weeks today. He told me there is nothing he can do to speed up the process and that there is no way that I can go to a branch office today to pay off the loan. 
I 'm angry because BMO Harris is charging me their high rate of interest during this time that I wish to have already paid off my loan but can not.

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 2022-08-31
Company: Genesis FS Card Services, Inc.
State: TN
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without instructions, 15 USC 1666B : A cred payment on a XXXX XXXX open end XXXX XXXX XXXX. 
ran for any purpose

Company response to consumer: Closed with explanation