BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-16
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have a private loan with Navient. They are continuously harassing me to make payment on my account even though I tell them I am having financial difficulties. I pay what I can, but they call continuously through the day, more than XXXX times a day! This is harassment! My parents are my cosigners and are in their late XXXX 's and are constantly being harassed as well. I make my payments they are late sometimes maybe at the most 7-14 days late, but I always pay up my past dues. There has to be a better way to have Navients workers give better options with repayment, not just telling us the only way to defer is to go back to school and or to lower my payments. I have read many reviews about Navient and they are all the same complaints, harassing phone calls, Bad customer service, and no way to better help the student with better options for repayment. I feel moore than 3 times a day calling is harassing. I am looking at seeking legal council regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
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: Investigation took more than 30 days

Complaint:
On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response yet. I fell like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress it has cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: EQUIFAX, INC.
State: VA
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:
Sent in several letters stating inquiries are Unauthorized. 
These are the following inquiries that are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: United Collection Service, Inc (FL)
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My Son was taken by an XXXX and the company used his insurance and is trying to collect the deductible from me. I am not responsible for this debit becaus my son is not a minor. I have disputed this debit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Citibank 's business practices and lack of sensitivity toward the XXXX violates XXXX Laws. Upon speaking to Citibank concerning charges, XXXX on chat online began to enlarge text after I disclosed that I was XXXX. She began to repeat the same text and send enlarged text. I found this to be highly insensitive and offensive. I did not request for her to enlarge the text and I never told her that my XXXX was visual impairment. I am requesting that this be attached to any previous complaint submitted regarding the discrimination that I have endured while banking at Citibank. I was refused service at the local branch in XXXX XXXX because I was XXXX. The accounting practice subject customers to overdraft fees, charges that are exorbitant, customers are forced to pay merchants who do not provide the merchandise, etc. The bank does not display a policy that is supportive of their XXXX customers. I have also noticed that the same person who assisted me on this chat was not named XXXX, but XXXX and this same person was the same person who chatted with me regarding a different company like XXXX. I will support the chat transcript of CITI and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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 has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Neighborhood Assistance Corporation of America ("NACA")
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
NACA - Neighborhood Assistance Corporation of America at XXXX XXXX XXXX # XXXX, XXXX, CA XXXX. Has abused, harassed and neglected my file. I am a single women that has never purchased a home. The have asked me for the same EXACT paperwork 7 times since XXXX 2016. I have worked with 5 different counselors that have been fired. I was told that one of my counselors " lost '' my information and i needed to reply. There have been times I had to call up to 20 times and send up to 10 emails before I am approved. I do not see similarly situated people treated this way. Then when I am finally contacted I am told too many days have passed so my credit needs to be run again and that i need to pay to have it run. The reason so much time passes is because they do not answer my calls then force me to pay and have my credit run again. I only gave them permission ONCE to run my credit while they ran my credit another time without my consent. The first time they ran my credit they said they lost the forms and needed to start over. This is a complete mess. I would like to ask for a refund of my one credit check fee and also for my membership dues and the inquiry on my account removed. They are bullying me into running my credit. Since they know I do n't want my credit score to be lowered they just tell me they will have to run by credit once a month in order to get the loan and they keep telling me my file is complete and sent to underwriting and later i find out that it has not been submitted and that I am required to resend the SAME information again. This is becoming harassment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
EQUIFAX, XXXX AND XXXX HAS ACCOUNTS ON MY CREDIT REPORTS. THAT ARE NOT MINE AND THEY REFUSE TO DELETE. 

XXXX XXXX XXXX XXXX This is not my account. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased my home with no down payment - XXXX in 2006I was making the mortgage payment for XXXX months. 
Then, i lost my job and fell behind on the mortgage. 
I called them several time and i was offered a program to help me save my home. 
Again, I fell behind. Then Bank America began to harass me ... I do n't understand why they called me until .... i was told that they purchase XXXX. Again i was offered a new payment plan. I was not working and could not afford it .... Then a few other banks called me - i had a XXXX mortgage too ... .. XXXX, XXXX, ,XXXX, XXXX , XXXX AND XXXX .... This was very confusing to me so i took XXXX to court. They agreed to present the original note and show they are the current mortgage bank ... PLEASE HELP MY FAMILY AND SAVE OUR HOME ... ... ... ... ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Navient Solutions, LLC.
State: FL
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:
Problem : In XX/XX/XXXX, Navient changed my Billing and Servicing address without my request, knowledge, or consent, to collect a bill on an open account. After contacting Navient, they responded that " they had the right to do so '' and were not obligated to send me a bill. They provided me a copy of my billing history which shows the change of address, again, without consent nor request, and the address where the bill was changed to was not correct either as it was missing the Apartment/Unit Number. I have resided at the same address since XX/XX/XXXX and have never moved. By not receiving account statements from Navient, i was not notified for three months about the status of the account, which caused it to report to the credit bureaus as an account that was late over 120 days. Navient does not have the right to change a customers billing address in their system on an open account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I 'm XX/XX/XXXX I filed a dispute with Equifax, XXXX, XXXX on the behalf of XXXX, and XXXX XXXX XXXX I got a response back saying checked by creditors.None of the creditors followed the law by actually checking the accounts correctly because they say closed do to non payment and the accounts were paid in full in XX/XX/XXXX the creditors never corrected the payment information as I ask them to neither. All three creditors are damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Experian Information Solutions Inc.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX XXXX XXXX {$76000.00} XXXX XXXXXXXX {$1500.00} XXXX XXXX XXXX {$66000.00} XXXX XXXX XXXXXXXX {$20000.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX {$230.00} XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX  XXXX {$49000.00} XXXX XXXX XXXX  XXXX {$87000.00} XXXX XXXX XXXXXXXX {$64000.00}

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 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX XXXX XXXX {$76000.00} XXXX  XXXX {$1500.00} XXXX  XXXX  XXXX {$66000.00} XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX {$230.00} XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX XXXX {$49000.00} XXXX XXXX XXXX  XXXX {$87000.00} XXXX XXXX XXXX {$64000.00}

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 2015-04-14
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I HAVE APPLIED FOR MORTGAGE ASSISTANCE WITH MY LOAN SERVICER - SPECIALIZED LOAN SERVICING ( SLS ). SLS HAS NOT PROVIDED TO ME A WRITTEN DECISION. IF THEY HAVE DECLINED ME, SLS HAS NOT PROVIDED ME A 30 DAY APPEAL PERIOD. IN ADDITION, SLS HAS DEMANDED THAT MY EX-WIFE SIGN A QUIT CLAIM DEED SO THAT SHE WOULD NOT NEED TO SIGN DOCUMENTS. MY EX-WIFE DID SIGN A QUIT CLAIM DEED AND IT WAS RECORDED. SLS HAS NOW REVERSED THEIR POSITION AND DEMANDS THAT SHE SIGNS DOCUMENTS. MY EX-WIFE HAS NO INTEREST IN THE PROPERTY AND WILL NOT SIGN DOCUMENTS. SHE HAS BEEN REMOVED FROM TITLE. SLS KNOWS THIS BUT CONTINUES WITH THIS ODD BEHAVIOR BECAUSE SLS PREFERS TO PROFIT FROM FORECLOSURES AND ENCOURAGES DECLINES ON APPLICATIONS FOR ASSISTANCE IN ORDER TO ACHIEVE THIS PROFIT OBJECTIVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. SYSTEM, 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 non-monetary relief
Consumer complaint received 2022-05-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX AND EXPERIAN HAS ACCOUNTS ON MY CREDIT REPORTS. THAT ARE NOT MINE AND THEY REFUSE TO DELETE. 

XXXX XXXX XXXX XXXX This is not my account. Please delete.

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 2016-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Over three years ago my neighbor walked away from her house. The house has been empty and the utilities have been shut off for this whole time. The home is deteriorating and in need of repair. The lawn maintenance has not been completed regularly and our city left a notice on the front door regarding the un-mowed lawn. I tried to contact the mortgage company and have been unsuccessful. I 've contacted the companies that have been managing the property and they do not respond to my complaints. We live in an HOA managed subdivision and we are required to maintain our homes to a high standard.

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 2022-05-22
Company: EQUIFAX, INC.
State: TX
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 response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have a {$24000.00} 6 % interest consolidation loan through Navient ( originally XXXX ) originating in XX/XX/2001. I have been making payment on this loan for 15 years ( less a few early periods of forbearance and an unemployment forbearance ). I logged in recently to see how much my remaining balance was and was shocked to see that I am after 15 years of payments listed as now owing Navient {$38000.00} in student loans. I have called and spoken with their customer service department asking how this can be the case on a 6 % loan I have been paying for 15 years on, they explained that during my forbearance periods interest was accrued and that for a time I was on an interest only repayment plan. My math still does not add up on how these amounts could lead to such a massive increase in the loan amount. I inquired on how we could get the loan paid in a timely fashion and the best offer they could give me was that I could pay $ XXXX/month for for 170 more months - which would be another {$55000.00} in addition to the 15 years of payment already made - which would be something like four times the amount of the original loan in total. 

I suspect something may have been added to my account or misfiled ( late fees, misapplied payments, etc ). Also, if I had been aware I would be accruing interest during forbearance or that I was paying an interest-only repayment plan ( and with that, if I was, how could I have been accruing interest as they claim ) I would never have agreed to those terms. I am turning to the CFPB as Navient appears unwilling to work with me on coming to a reasonable repayment of these loans. I would like to work out a reasonable and mutually acceptable repayment to get these loans resolved - I have been paying them for 15 years already.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Delinquent account

Complaint:
After moving out of my uncles house I attempted to change my billing address on the Macys website. I successfully changed my address under my profile but paper statements continued to go to my old address. Upon getting old mail from my uncle I called Macys and they explained that the billing address was not changed, that there is a prompt button at the bottom of the profile change page to change your billing address as well. Not seeing said button I believed the address to be changed and will be attaching a PDF showing that contact info under my profile does not indicate a separate billing address. I have spoke to multiple employees/managers trying to resolve this issue but they have been very unhelpful bordering on rude. They claim that my email notifications should be sufficient. Since I normally do not use this card outside of macy 's I did not expect to have a balance and the email notifications do not indicate a balance is due. 
Do to their deceptive and fraudulent business practices and unwillingness to rescind the 60 day and 30 day past due reports to the various credit agencies, my otherwise perfect credit score was lowered to the effect of paying a much higher interest rate on a 30 mortgage loan. Essentially, a missed {$88.00} payment will result in my unnecessarily paying thousands of dollars more over the course of a 30yr. mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Received a XXXX card from Best Buy I did n't request. They both had different account numbers. When I called to inquire I found that they also activated it without my permission. And worse it had a balance. XXXX showed XXXX and the other XXXX. I demanded that they Close XXXX accounts immediately. For my safety. I do n't want this to go against my credit score because of this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient is the servicer to my federal student loan. Per their internal policy, they apparently can not process paperwork for loans on autopay if they decide to process two weeks before the date of an autopay. This stands in complete contrast to their stated commitment to process paperwork in five to ten days of submission. 
As an example, my automatic payments are deducted on the XXXX of every month from my bank. I filed paperwork showing a change in my income levels on XX/XX/XXXX. Despite calling to push the process along on XX/XX/XXXX, Navient internally claimed they were ready to process on XX/XX/XXXX. However, as XX/XX/XXXX is within two weeks of the autopay day of XX/XX/XXXX ( 13 days, to be precise ), they will not consider the paperwork that has been filed until after XX/XX/XXXX ( and up to five business days after that ). Navient also agreed with me that it could be much later than that, as that " will be the holiday season, and work slows down. '' I am a responsible lender and have made on-time payments in the Pay as you Earn plan for several years. I am shocked that Navient, a private sector company, can not hold itself to a standard to process critical paperwork for months on end. Its client, the federal government, should take action to stop such incompetence.

Company response to consumer: Closed with explanation