BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-16
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Have been making payments on and off since  XXXX  when funds are available to  XXXX   XXXX  which now is Navient.   Since  XXXX  I have made reoccurring consistent payments to   XXXX    XXXX   XXXX  which is a collector for Navient. Navient claims they do not know who this agency collection is and has no business with them.   My private loans were rehabilitated in  XX/XX/XXXX , however payments are still coming out of my bank account and neither business can explain where this money is going.   Navient claims they do not have my loans and neither does  XXXX   XXXX . NO  ONE  can tell me where in the world my loans are at.   I have been getting non stop harassment phone calls from Navient who have stated they will take me to court and also to jail. Navient has also told me they did not care where I got the money from and basically told me I need to become a  XXXX  to collect money for them.   I have been so scared about this company I am in fear of my life and afraid to even answer the phone Everyone at Navient either ca n't hardly speak English or just screams and THREATENS me.   Navient has also been calling my  XXXX  yr old grandmother and have THREATENED her as well. My grandmother is fearful of this company and what lengths they might go through to hurt her.   Being currently unemployed for the last  1 1/2  years my finances have depleted and I have tried to explain multiple times to Navient that I do not have money to give them and they just repeatedly tell me they do n't care where the money comes from as long as they get paid.   Somehow in the last year  Navient  has told me my loan amount has tripled and how is this possible when I have not taken out any more money and I had reoccurring payments monthly.   I do not know what to do. I would like to do the right thing. BUT, being in fear for my life from being THREATENED MULTIPLE times from the people at Navient I just do not know what to do.   I have reached to a local lawyer who have said he basically can do NOTHING. I am in need of advise and to feel safe once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: EQUIFAX, INC.
State: AZ
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 sent reports to Equifax, XXXX and XXXX. I havent received an update on my report in regards to my bankruptcy being reported incorrectly on my report. I have sent proof that XXXX has removed this report ( XX/XX/2022 ). 
I didnt give consent to report on my report. 
15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I XXXX XXXX am natural person, and consumer. I am aware of my consumer rights and the laws set in place to protect consumers against unethical debt collection practices. I contacted PayPal Credit on XX/XX/2021 I spoke with XXXX XXXX # XXXX she stated to me my credit card payment was being partially applied because Synchrony bank has the right to violate my consumer rights and hold any and all payments and apply them to my credit balance whenever they deem fit. This egregious behavior is a direct violation of 12CFR part 226 truth in lending ( regulation Z ).

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 2021-10-27
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: Pacific Union Financial, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed that there was a new hard inquiry from factual data on my credit reports. This was done on behalf of  pacific union financial. Pacific  union financial purchased my mortgage from  XXXX   XXXX . Pacific union financial never advised me that they would be re pulling my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Credit card dispute denial although the transaction was a fraudulent by merchant

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 2021-05-11
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$320.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On   XXXX   report a company called  XXXX   XXXX   XXXX  put something on my report in error. I have resolved issue with   XXXX   XXXX   XXXX   they sent me letter saying they would have it removed. i also sent letter and dispute to  XXXX  and the results per Report  Number  :  XXXX  on  XXXX / XXXX /   2017  was that the information remains. This information should not be reporting and i did submit the documentation from    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 explanation
Consumer complaint received 2021-10-27
Company: U.S. BANCORP
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Requesting US bank to provide by mail the original note of their alleged debt that they are reporting to the credit bureaus under my name to be mailed to me at my address with all statements on this account. Failure to provide the original note per legal law. Only the original note holder is allowed to collect a debt. Failure to produce all these original documents will be considered violations under law. And the continuing of all credit reporting to the credit bureaus as well.

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 2021-10-27
Company: CITIBANK, N.A.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Requesting Citi bank to provide by mail the original note of their alleged debt that they are reporting to the credit bureaus under my name to be mailed to me at my address with all statements on this account. Failure to provide the original note per legal law. Only the original note holder is allowed to collect a debt. Failure to produce all these original documents will be considered violations under law. And the continuing of all credit reporting to the credit bureaus as well.

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 2022-09-10
Company: EdFinancial Services
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Wednesday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Biden 's Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic I paid almost $ XXXX in payments after graduating. It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, advantage are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. What's worrying to me is that the application for forgiveness starts in XXXX and edfinancial won't be processing any of these in time for us to receive forgiveness. They stated that our loan balances won't be reinstated until the refund is processed which won't be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. They didnt even give us an receipts or confirmation emails which is I think is very shady. Therefore, we wont even have anything to prove for forgiveness.

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 2021-10-27
Company: EQUIFAX, INC.
State: FL
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:
It's seems XXXX and Equifax continue to have outdated, incorrect and wrong information based on credit scores impact, denied credit and great varience between XXXX and them -- XXXX, here 's your credit snapshot Not Boosted XXXX Learn more XXXX XXXX XX/XX/2021 XXXX Fair XXXX See all 3 Bureau XXXX Scores Credit Usage 97 % Total Debt {$160000.00} Open Accounts XXXX Inquiries XXXX Try XXXX XXXX credit-boost-image Instantly Boost Your XXXX Score Did you know your credit could benefit from bills you already pay? Try XXXX XXXX today- it's free! 

Looking for new ways to save? 
Based on your credit report, we found XXXX things you can do today. See your savings plan What would you like to do today? 

Review New Data Improve Your Credit Get Rewarded Protect Your Identity XXXX XXXX XXXX  & reg ; XXXX XXXX & reg ; for Rebuilding Credit Robert, you're pre-approved for an offer from our partner XXXX XXXX XXXXXXXX  
About 90 % odds of approval, subject to final checks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Bridgecrest Acceptance Corporation
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX, we moved to another state and submitted a request to transfer title. The DMV faxed Bridgecrest Acceptance Coprporation ( subsidiary of XXXX  ) a request for title transfer on XX/XX/XXXX. I have made several phone calls to this company ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX ) and received conflicting information regarding the title transfer. Several representatives advised that the title transfer process would take 7- 10 business days, and that the request was in process. This was a lie. As of XX/XX/XXXX, I was told the process would take an additional 8 weeks to make a state title transfer, which means that the state will not receive the title until XX/XX/XXXX. Without the appropriate license plate, I can not legally drive the vehicle for the next 2 months. The company consistently fails to acknowledge customer concerns, and makes it hard for the consumer to transfer their business to another company. 

Bridgecrest Acceptance company is a subsidiary of XXXX, and XXXX that was investigated and charged with fines in XXXX for poor business practice. Please investigate Bridgecrest. Please also see the numerous XXXX  XXXX  XXXX  complaints filed against this company regarding title transfers, pay offs, and potential insurance fraud ( regarding accident insurance claims ) XXXX  : XXXX or XXXX  search bridgecrest  complaints XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We recently changed our home insurance from XXXX XXXX to XXXX. Our mortgage holder Bank of America, mistakenly informed us that we had no home insurance and they said they purchased home insurance for us and tried to charge us {$310.00} a month for it. We went on the phone several times with service representatives who assured us that the problem was fixed, but the bank kept sending us bills with the escrow charge for the insurance that we had not asked for and did not need. My last call was in XXXX with a woman named XXXX. She told me that she had found the problem, had fixed it and that she would have the bank do a new escrow analysis to take the charge off our bill. She even gave me a case number : XXXX. The bank sent us the paperwork that the problem had been fixed. But we recently received a new bill with the insurance charge on it again. At this point I do not believe that the bank is making a mistake. I suspect that this is a business strategy to wear down consumers and force them to make payments for insurance that they do not need. I would urge the CFPB to investigate Bank of America to see if they are doing this to a lot of homeowners. I should not have to hire an attorney to fix this but I am getting ready to do so because I do not trust that the service representatives who answer the phone and claim to " fix '' the problem are really doing so.

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 2017-06-16
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My complaint is about Venmo, the person-to-person money transfer service owned by PayPal.
<P/>
My son, who is  XXXX , wanted to sell a nice laptop computer. He found a buyer who agreed to buy it for {$2200.00} and said he would transfer the money to him on Venmo, which advertises that it goes straight from the payer 's bank account to the payee 's bank account. My son agreed to give him the computer after he had proof that the guy had sent the money.
<P/>
On   XXXX   XXXX  , 2017, the buyer sent the money through Venmo in {$85.00} increments ( see transaction record, in attached documents ). My son had his father meet the buyer and give him the computer.
<P/>
Soon after the {$2200.00} had been transferred, according to the record of transactions that Venmo showed my son, my son was asked to verify his identity. He gave his credentials, which included his age, which Venmo had never asked him before.
<P/>
The next day,   XXXX   XXXX  , my son checked his account at   XXXX    and found that no money had been added to it by Venmo. He also was told by Venmo that there was a problem with the transaction and that the money transfers would not take place.
<P/>
He contacted customer service at Venmo by phone, and a representative opened an investigation of his case.
<P/>
The following day,   XXXX   XXXX  , my son received an email from  XXXX  in customer service at Venmo informing him that he had violated the terms of the customer agreement, so he would receive no money and his account had been deactivated. A copy of that email is attached in the documentation below.
<P/>
As I am his sole legal guardian and he is a minor, I contacted Venmo myself by telephone, and they said they could not talk to me because I was not the person on the account and my son 's account was deactivated anyway.
<P/>
Venmo did not specify what terms of the customer agreement had been violated. The customer agreement, which I printed out, is 26 pages single-spaced. I noticed that it says you need to be 18 to use the service, so perhaps that was the violation.
<P/>
If so, Venmo did not verify up front that my son was 18. It is well known that minors use Venmo all the time, and my son 's friends are no exception. They had no idea you needed to be 18, they just thought you needed to have a bank account -- and had been using the service successfully.
<P/>
Venmo is preying on children and facilitating frauds. The " buyer '' was clearly a fraudster who knew well exactly how to play Venmo 's system, and Venmo let him get away with it. Venmo must be stopped, and my son and I must be made whole.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: FL
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$250.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$40.00} ; XXXX XXXX XXXX Balance Owed : {$9500.00}.

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 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I have contacted TransUnion several times in regards to inquiries that are listed on my credit report that were not authorized. Transunion has refused to remove these inquiries that are were not authorized by me. Some inquiries do not match the accounts that listed open on credit report. 

XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX  ( Hotel and travel ) 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 explanation
Consumer complaint received 2017-06-16
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: Investigation took more than 30 days

Complaint:
There is a bankruptcy on my credit that I had initially started but I did n't finish going thru with it and it has shown on my credit for 3 years. I have disputed with all  XXXX  credit bureau with no change to my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I go thru a website to get my earnings deposited into my account but my bank is not cooperating with the company to supply the information needed in a timely manner. This company helps me with funds before I get my paycheck if funds are tight and is needed in a timely manner. My account also was charged fraudulently and a report was made and after almost  two  months I am still waiting for the money to be put back in my account.  <P/> I also had a prepaid account with another company and my wallet had got stolen and report was made but that company refused to credit back the funds taken in the theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation