BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was paying XXXX payment towards my school ( XXXX XXXX XXXX ) loans for a couple of months, then I rec 'd XXXX different letters with XXXX different addresses from Navient stating that I was late on them. This was a shock bc I was paying a little more than the minimum payments. Then come to find out my payments were only going to XXXX loan and not being applied to all my loans ; therefore I was late. Then I made XXXX big payment in hopes to be up to date, but then was notified I was late again bc the loan dates are different on my loans. Then I come to find out that XXXX loan payment is different and is not part of Navient but should be paid directly to the school. It has been most frustrating bc I am being told that I am always late and my minimum payment has ballooned up to $ XXXX/mos for Navient alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I started a mortgage application with BOA because they solicited me about possibly reducing my current mortgage rate with them. I am a current mortgage holder with BOA. We went through the entire process and got to the end where we were setting a closing date and they asked me if my home was on the market. I said yes and they said we can not continue. Why did they not ask this at the beginning. They advised me to take the home off the market which I did for 6 months. Then 6 months later, we started again, had the appraisal redone and then they declined me because I had business expenses on my American express and my income could not validate the charges. I have been a XXXX for 16 years and have had my XXXX since XXXX with no late payments. I get reimbursed for business expenses. They declined me again and I put the house back on the market. I voiced a complaint several times and they would not contact until I threatened to make a formal complaint. Then they said we need additional info to process the mortgage and I gave it. Then they said we can not refinance when your home is on the market. take it off the market again for 6 months. This has been a bait and switch since the start and cost me money and time I do n't have. BOA is so unprofessional. Now over a year later my re-fi still has not been done. Not to mention I had to XXXX them every step of the way to get anything done. I think they did not want to give me the lower rate at all. They are happy to trap me in at their higher rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Navient Solutions, LLC.
State: MD
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:
XX/XX/XXXX I graduated from XXXX XXXX University and soon after began my loan repayment through XXXX XXXX. About a year later I became a teacher and applied for the loan forgiveness program. At that ime I was given the information that my XXXX loans would be consolidated and extended to a 20 year term with a monthly payment of {$280.00}. It was my complete understanding that if I made this payment as a public service employee consecutively at XXXX payments, The remainder would be forgiven. I later found out that I did not have XXXX XXXX anymore because it switched to a company called Navient. Navient is telling me that my last payment is on XX/XX/XXXX and that the last for years of public service do not count because my loan was extended. I called XXXX XXXX to get my records and I was told that Navient has everything and XXXX XXXX can do nothing at this point. Navient is giving me a few options, but it has really taken a toll on my financial situation as well as mentally. I find it very difficult to understand that instead of having approximately 5 years left of payments on a student loan, I now have 15 years left. At this point I would be repaying about double my original loan. In addition, my other option is to repay in their program that is aligned to my salary. This would also restart my XXXX payments giving me a total of 14 years of repayments. Navient is telling me that since my loan was extended I did not qualify the past four years, therefore they do n't count towards my loan forgiveness. Even if I show proof of records somehow through XXXX XXXX, Navient made it very clear that this can not be undone. I am a XXXX Veteran and even the Veteran side of Navient can not do anything. I am deeply saddened by this. Please help me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2015-12-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Chase Bank wrongfully allowed a stolen check made payable to me to be cashed a second time after I had already deposited it via the Chase mobile app. I clearly wrote the words " DEPOSITED ON XXXX '' on the face of the check after the deposit was successfully made on that date. When the criminals cashed the check on XXXX/XXXX/2015, the funds were debited from my checking account even though the crime had been reported to Chase on XXXX XXXX. This action has put my account in the negative and Chase is refusing to take responsibility to rectify this matter. This is unacceptable! I was victimized and as a long-time Chase Bank customer I deserve to be protected by them not disregarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America failed to do a valid XXXX appraisal in a value dispute. The original appraiser they used failed to do a conplete evaluation resulting in BOA rejection of my short sale offer. 
Appraiser appears bogus XXXX XXXX hired by XXXX XXXX XXXX ( none working number? ) State ID XXXX. His report ommited crucial repairs that would reduce value significantly ..

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 2015-06-11
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I used XXXX XXXX to help finance my XXXX 3years through college. Thankfully I graduated, with the help of grants and Federal loans, but I would NEVER use XXXX XXXX again. Nor would I allow any of my family to. The CUSTOMER SERVICE is the absolute WORST. Several times have I called and was spoken to in a disrespectful or condescending, inferior way. I was once told " well you did n't have to choose to get a student loan through us '' when I had called asking was there any type of way for me to qualify for any loan forgiveness, or debt management programs since I am trying my hardest to make payments and pay down as best possible all by myself as a single mother. Aside from their poor attitudes in customer service their interest rates are too high, they do n't have good forbearance or debt management programs, and the repayments are ridiculous. I wish I never dealt with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
With limited options for private loan assistance Navient has made equally difficult once again to find any kind of relief to my private loan debt. 
This will be my third submission with contacting the CFPB for Navient/XXXX XXXX 1 ) For their lack of responsiveness in connecting with service agent in the Rate Reduction Team and to their Complaints Department 2 ) Failure to provide financial support/reduction to my loans. After leaving a message I finally spoke to the agent, who I spoke to previously in regards to my other recent situation with Navient- XXXX XXXX . I expressed both complaints I have and included that I have been working diligently to have my payments be reestablished on the rate reduction plan. Which is the only options they provide with private loans. XXXX knoted that this complaint through him could take 5- 7 business days. With that said I have payments due XXXX/XXXX/16 and urged for things to be expedited. I have been on the rate reduction plan in the past and was looking to sign in for another year. I had completed step 1 which was to verify my financial statement with them. Step 2 was for my co-signer to complete the same. After several calls last week and not getting in touch with the team my cosigner tried again today and was connected. Which leads me to my 2nd complaint in the matter ... .Based on my co-signers finances I am not eligible for the rate reduction plan. My co-signer is not in a position to pay my payments nor am I approving them to. Especially since I have been on the plan before with the same co-signers and this year makes it much more difficult for that XXXX of my XXXX loans is now out of forbearance with a payment of {$220.00} and is not eligible for the rate reduction plan. My co-signer who has called is signed on XXXX of the XXXX loans I would need in the rate reduction plan. If on the Rate Reduction Plan and my remaining loan I will be looking at a payment of a minimum of {$710.00} a month which they noted was not guaranteed due to the fact that the {$710.00} was based on last years payment and that this year the interest rate would increase. {$710.00} is already barely attainable with the other loan opening up. Last year my payments were {$490.00}. Once again Navient has backed me in to a corner of never successfully moving forward debt free.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: IL
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the 3 credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting these accounts and inaccurate information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The items are listed below : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX CO ) XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$580.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2017-01-04
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a list of XXXX companies that are reporting the same debt on my credit report and its affecting my score. the companies are XXXX XXXX XXXX, XXXX XXXX XXXX and Harvest Associates INC. they all say I owe XXXX XXXX Hospital

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: Integrity Solution Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no ideal who this is and why are they causing harm to me. It says it is XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, The Listof accounts below has violated my federally protected rights to privacy and confidentiality und 15 USC 1681. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX 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 state a consumer reporting agency can not furnish an account without my written instructions. i did not give them written instruction.

15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse items of information other than records of convictions or crimes wich antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-07-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The items listed below are reporting on my personal credit file and were found in my reports with 3 credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX {$2100.00} ; XXXX XXXX Balance Owed : {$0.00} ; US DEPT EDXXXX XXXX Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$570.00} ; XXXX XXXX XXXXXXXX BalanceOwed : {$1100.00} ; XXXX XXXX  XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX XXXX Owed : {$870.00} ; ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$180.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX, TN XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Credit report has been shared with car loan company by the name of XXXX which I never applied for this has to be a mistake

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act 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 604a section 2 it also states a consumer Reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # 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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 notified credit bureau in XXXX of collection reporting and requested and investigation to be done as I was not aware and had no knowledge of company. I requested for validation of debt and also verification of debt they responding as debt was verified. I resent another dispute asking for verification and how It was verified no response. Sent same to company requesting same and original contract and documents of this debt and they did not respond into the third time and sent bill. That is not proof of verification nor validating this unknown debt belongs to me. As I sent another letter to the company and bureau requesting them to reinvestigate I still have no response to my investigation and the item is still reporting on my credit report.

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 2015-06-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX/XXXX/2015 my account was negative {$170.00} and some change. I deposit XXXX at XXXX and transferred XXXX from my saving to my checking because there were XXXX payments pending XXXX for XXXX in amount of XXXX and XXXX XXXX. I had an ending balance of XXXX at XXXX. I pumped gas at XXXX in amount of XXXX. I had a balance of XXXX at XXXX pm. On Monday XXXX XXXX I still had a balance of {$.00}. I have my teller receip and my email receipt that prof that I did have enough money on my account to cover my dish network payment. You have returned my payment and charged me a fee of XXXX dollars because you decided on Monday XXXX to cover my credit card putchace of XXXX for XXXX this payment had already been paid in Wednesday XXXX XXXX. I am so tired of being robbed by you. I am a single mom working my behind off to support my kids. It hurts me that you still from me when ever you want. I called your customer service number requesting an explanation and again I was disrespected By XXXX worrell supervisor of XXXX employee number ( XXXX ). He was so rude to me andkeept lying to me trying to make me believe that I did n't have enough money on my account. He offended me and hung up on me. How can you have people like him as supervisors it is so unethical. I feel so disrespected and humiliated by how I was treated. I need you to please refund me the NSF in amount of XXXX you have charged my account. I will never reach out to the customer service number because I do n't appreciate getting abuse. The bank ca n't keep doin what ever they want with my account its my money and I am certain that their was enough money to cover my XXXX payment. I want an apology for being mistreated and for all the stress I am going through because of WELLS FARGO.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation