BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-16
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My complaint or concern is that I pay nearly 30 % of my net income to my federal and private student loans. XXXX in federal direct loan. XXXX to navient private loans. XXXX to my XXXX XXXX servicing provider. I make to much $ for the PSLF to help my cause in that 10 % of my income is XXXX {$.00} After 10 years paying that much it 's paid off which is great. The problem is I hav XXXX other separate bill payments to my private lenders which in turn does financially I hav to put more money towards private student loans due to high variable interest rates. My solution would b to consolidate my private loans into XXXX payment but I do not make enough money to find a lender to finance XXXX and get interest rates and terms to help my financial situation. My interest alone on all my loans is roughly XXXX $ 10 % of my income. I will never b able to pay off student loans paying interst only nor do I make enough money to put enough $ money towards principal. I need personalized help. Mainly I need student loans companies realize that I pay XXXX different lenders and I need my loans to XXXX payment at a realistic fixed interest rate. At this rate I will pay XXXX on the initial XXXX I took out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Experian Information Solutions Inc.
State: MI
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 Michigan # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXk # 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: SD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Franklin American Mortgage Company. Related to my complaint is an insurance claim from hail damage to my home for which I am attempting to recover funds. I have endorsed and forwarded checks to Franklin American from my insurance company as well as all documents required. I have correctly followed the procedures required according to the website and the customer service representatives to whom I have spoken at Franklin American. After having my roofing job inspected for them, Franklin American still will not release the money to pay the roofing company. Currently, monies totaling {$7600.00} are being held by Franklin for both roofing and window repairs. Instead of only repairing the cladding to our windows which was approved by the insurance company, my wife and I decided to replace all the windows in our home at an additional cost to ourselves. Because the documentation for the window replacement exceeds the amount to repair the cladding approved by my insurance company, Franklin American told me that they can not release any monies to me until I pay my window contractor in full. 
Franklin American is making it nearly impossible for me to effect repairs and pay the involved contractors. Their information and requirements change each time I speak with them. 
This is the second time Franklin American has made me jump through hoops in order to collect the money they hold from my insurance company. The first time Franklin American retained funds was when my last house sustained hail damage. I feel unlucky that my current mortgage was bought by Franklin American on the secondary market. 
I am requesting that the CFPB look into the practice of Franklin American mortgage company keeping their borrowers ' insurance funds far longer than acceptable. I can only surmise that it benefits Franklin financially to retain my insurance funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Alliance One, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Fraud on my credit report. Checked my credit report and found that macys has a fraud account on my credit and has a charge off which I never opened nor received a credit card from them and it is negatively affecting my credit score. I have submitted fraud papers, etc to macys itself, and whenever I try to get through to the fraud department, I can not. I contacted the CEO office of XXXX and spoke to numerous executive associates that transferred me to ALLIED ONE ( the debt collector ) because XXXX could no longer help with this issue so they stated. They are saying my account is accurate. I need to know if the next step would be to get an attorney?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Problem getting your free annual credit report

Complaint:
At this time, I respectfully request a copy of my XXXX, XXXX  and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. Your professional cooperation will be greatly appreciated. 
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 2017-01-27
Company: WELLS FARGO & COMPANY
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The lender received a loan modification package on XX/XX/XXXX - the docs provided is what the re-entry team at Wells Fargo requested to determine a new review on the file - We continued to follow up with the lender regarding the review - it was not until XX/XX/XXXX that we were advised of additional docs needed for the determination of a review - on XX/XX/XXXX the lender was provided with the requested info needed - we were advised on XX/XX/XXXX that the file had been sent to the second level review and if any docs are missing they will deny because we are in the seven day period and that they will not postpone the sale date. We feel that the lender is not reviewing the file in a timely manor and due to the 2nd level of review that the file is in, the sale date should be postponed for this review due to the Dual Tracking laws and the lenders lack of review and urgency of this file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is an ongoing problem where Wells fargo Violates the FDCPA and the FCRA This complaint is a continuation of the numerous complaints that i have filed that to date have went unanswered by Wells Fargo. 

Today Wells fargo after being informed by me on several occasions to to stop sending people to my home they send another person to my home again today demanding payment of my mortgage, This representative of wells fargo was screaming at my wife that we need to pay the mortgage to her right then and there. 

my neighbors were looking as to what was going on. 

The government needs to do something to enforce the laws put in place. 

I believe that Wells fargo is attempting to defraud the FHA insurance program by refusing to correct their inaccurate records

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: 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
In accordance with the fair credit reporter act XXXX accounts 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 XXXXXXXX has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 604 a section 2 can not furnish my 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 2016-06-16
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Hello. I received a collection notice. I put in writing ( within 30 days ) that i dispute the debt. I requested proof of debt. They did not respond to my letter. I never received proof of debt. Now this collection account is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I REQUEST VALIDATION THEY COME BACK WITH ACCOUNT HAS BEEN VERIFIED THATS NOT WHAT I ASKED. NO PAYMENT HISTORY EXCEPT FOR THE MONTH THEY RECEIVED THE VALIDATION LETTER SO THEY REPORTED PAYMENT FOR THAT MONTH OK BUT HOW ACCOUNT CLOSED 10 YEARS AGO. ONCE THEY DONE THAT NOW THE ACCOUNT IS REPORTING CURRENT BUT THE ACCOUNT AGE IS NOT AS OLD AS IT SHOULD BE SINCE THEY REPORTING CURRENT GIVE ME SOME AGE HISTORY IS THE ACCOUNT IS CURRENT. PLUS THESE ACCOUNT HAVE BEEN CONSOLIDATED 9 YEARS AGO

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Private loans from XXXX tech were disbursed on my behalf in a fraudulent manner and the loans need to be cancelled/discharged. Proof and documentation are included.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In a reply to a complaint # XXXX the bank 's response was that the bank has a right to foreclose on my home. I say no, they do not have that right. The documents sent with the response is not valid as the modification that was offered to me in reply to my questioning where my payments were going was withdrawn in a letter dated XX/XX/XXXX. Also the modification documents were signed by XXXX and XXXX XXXX XXXX and the notary stamp is only to our signature. The bank never signed and send us a copy. The modification was never recorded even though this was an amendment for a mortgage over {$190000.00}. The modification was never submitted to the court in the filing of the lawsuit. The notice to owner submitted in the case was from the modification so the whole purpose of the modification was to have a notice to owner for a larger amount owed. My bankruptcy stands. In a notice to the bank that is recorded in XXXX XXXX Florida, Doc # XXXX B : XXXX XXXX dated XX/XX/XXXX a suggestion of bankruptcy letter was sent to the bank. The bank had a fraudulent judgment that was dated XX/XX/XXXX already and never asked to lift the stay on my request for bankruptcy. My estate was closed with my homestead property intact. This bank keeps saying to contact the new servicer who would have no knowledge of what went on since XX/XX/XXXX. No you are the ones that ruined my credit and then tried to steal my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
For the past 3 years I have been trying to pay my student loan from Navient. Some months I would pay twice to try to bring down my principle. Over the course of the three years, I have not been able to bring down the principle at all. It 's actually gone up. I would like to know why when I pay double one month that second payment is n't added directly to the principle? It 's very frustrating to have this happen time and time again. Only to have to talk with Navient ask them to do it and once, I put a double payment on and the same thing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
private loan company NAVIENT certified my student loan under conditions of False Certification of Ability to benefit. 
Navient certified my student loan for XXXX XXXX XXXX XXXX Now located on XXXX XXXX XXXX XXXX, TN XXXX on XX/XX/2006 without me having a high school diploma from United States, nor any transcript, nor did school give an entrance examination before I was admitted to the school. 
This action by Navient is clearly MISS LEADING student loan borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I received an email on XX/XX/2016 from Navient that my payment had increased from XXXX per month to XXXX per month. When I went into my account to see what had happened, it appears they changed the term of my loan from the original XXXX years to XXXX years. I 'm XXXX years into the XXXX year loan repayment and now only have XXXX years left to pay it off. While Navient agents were polite, they are unwilling to honor the terms of the loan to which I had agreed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-01
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
Regarding CFPB Complaint ID XXXX. 

I have not received the response from the company about closing my account or confiscating my rewards points. The original complaint was filed to OFFICE OF THE ATTORNEY GENERAL XXXX XXXX STATE OF NEW YORK DEPARTMENT OF LAW BUREAU OF CONSUMER FRAUDS AND PROTECTION Intake Id XXXX I was never notified that the matter was sent to CFPB. I'm XXXX XXXX XXXX and need some assistance!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: WELLS FARGO & COMPANY
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2015 I tried to pay by debit card a massage service, but the card machine did n't work, so I paid by cash {$64.00} plus tip. However the bank Wells Fargo debited {$64.00} on my checking account. On XXXX XXXX, 2015 I went on the brunch XXXX XXXX XXXX XXXX, I talked to XXXX XXXX XXXX XXXX, who was n't nicely at all, he was unrespectful making jokes with XXXX, saying " he was really busy to take care claims from clients, but anyway ''. 
He did n't accept the card notes from the massagem business, I went to XXXX business XXXX times, on the XXXX time the girl from front desk accepted to buy a receipt paper, because the business does n't have receipts, they do n't work like serious business, I guess. 
So I came back to the bank and I requested to talk to the Manager, XXXX XXXX, he talked to claim department and explained the business filled with my informations and said that I paid {$64.00} by cash per services and the card did n't go though on Saturday. XXXX XXXX sent all proof by fax and he checked with Claim department if everything was enough. He told me to be calm everything would be fine and I would receive my money back, and he was a patient and nice manager, so I did n't close my account on Wells Fargo. A bank which does n't trust in our clients is not a good bank. Also this happened in XXXX PA. 
On XXXX XXXX, I traveled to XXXX and I moved to XXXX on the beginning of XXXX. Today, XXXX XXXX, 2015 I checked my checking account and I saw - {$64.00}, so I researched what was that, then I got the informations from Claim Department that the receipt was n't enough, I need to go the Business and request I printed receipt or something like that. 
How I can come back to XXXX to request a receipt from a Business who already had problems to fill the basic one? 
How can be possible a bank like Wells Fargo who says they care about costumers said to me, " Im sorry I ca n't help you '', if the bank who I trusted to work with ca n't help me, who can? How I can prove Im paying XXXX for XXXX single massage, a service I got because I hurt my back and I could n't walk. 
I ca n't go to XXXX right now and I do n't agree to pay XXXX for a bad machine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-28
Company: Navient Solutions, LLC.
State: AR
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 started school online in XX/XX/XXXX with XXXX, I received a grant and a loan supposedly. As a matter of fact, I have several loans but do n't know how ...? I only went for an XXXX and finished it in XX/XX/XXXX. But since then I have n't been able to make the outrageous payments they are asking of me. I have begged them over and over for help, for the most they helped me at first but now they have tacked so much interest and stuff on my loan I will never be able to pay it. I only make XXXX a year at the most and I am a mother of XXXX. The loan is so expensive and they are ruining my credit, the only thing that I do have left. I ca n't even use my degree here in Arkansas because the college I went to is n't an accredited college and they were under fraudulent doings. So I do n't know what to do .... I am currently stuck with over XXXX XXXX dollars in debt to a college that is no longer in good standings and has law suits against them. Please help me if anyway you see possible. I appreciate your time and any advice you may have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XXXX XXXX Account Number : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XXXX XXXX 90 days past due as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card
Issue: Other fee

Complaint:
I was sold a Privacy Assist product from Bank of America. Upon a recent review of my account statement, I was still being billed. A quick internet search found that Bank of America had been fined for these practices and products. Per the CFPB website : " Pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act, the CFPB has the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Bank of America ended the marketing and sales of credit protection products in XXXX XXXX, canceled all existing accounts as of XXXX XXXX, and provided six months of no-cost coverage to consumers enrolled as of XXXX XXXX. Bank of America stopped marketing the identity protection products in approximately XXXX XXXX. '' I had to call Bank of America to get them to stop. The agent that serviced my card was " unable to assist '' and attempted to transfer me to a different entity that would do so. That transfer failed. I found the correct service number and was able to cease service, however the agent had no knowledge of any prior action against Bank of America and informed me that a charge may still appear on my bill for XXXX XXXX. 
As a side note, while online with Bank of America, they offered a credit tracking service at no fee. Why is the company offering me a free product, while charging me for the same service at the same 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 explanation
Consumer complaint received 2022-05-22
Company: EQUIFAX, INC.
State: LA
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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-05-22
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX is reporting a fraudulent account and charges on my report cause a profound effect to my credit score thru no fault of my own. 

I'm including a FTC report along with a bank statement and my XXXX ID to provide my identity.

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