BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I attended XXXX XXXX University in XXXX XXXX, Florida. Went through a divorce and filed bankruptcy due to the new bankruptcy law in XXXX private loan are not discharge unless extremely hardship. After my bankruptcy discharge I contact my federal student loan to make arrangement to pay by income-based which is fine. Couple of months later my private loan lender sender me a notice that my forbearance had ended and send me payment due for XXXX % more than what I was paying my federal student loan which is double amount owed. So I did a request for repayment option on all three of my private student loans it was denied saying that I have used the maximum time allowed. There the existing repayments plan remain in place since then I made a payment each month not what they want but I pay them four time amount of my federal loan amount until last month. It my fault I missed sending payment in for XXXX XXXX. On XXXX/XXXX/XXXX Navient staff and employee XXXX XXXX had snoop to the point of calling my place employment this number is not listed as a contact number. On XXXX/XXXX/XXXX one of my co-workers gave me a message from Navient XXXX XXXX called XXXX ext. XXXX. I called the next day when I received the message. XXXX XXXX was not in yet so I talked to XXXX XXXX and I had verify my credentials and she said all they want is a payment and I told her all I want for you to not call my place of employment. You 're calling my house and cell phone constantly all time of night and weekends now you are harassing me on my job. I told her to take me to court and quit calling my job she said as long as I owed them money the law said they have the right to call my job until I pay. I told her I am going to report them she said she going to put me down as refusal to pay and I hang up the phone. At noon this same day XXXX XXXX called for me and my co-worker transfer me the phone and said I told him I told your guys not to call my job and said I do n't want to hear about I need you verify your information first then he proceed to talk about payment and said I told you I am at work and said then you need to called me and make arrangement to pay. I said he cut me off and said well when are going to called me. I have been paying on these loans it may not be as much as they want but this does not give them the right to call and harass me on my job when I ask them not to call me there. Why these private student loan companies was given special privileges protection during bankruptcy proceeding had went to their deep pockets and they do n't care what methods used to harass us get their money

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Failure to address fraudulent charges and multiple false promises from customer support. On XXXX XXXX I became aware of multiple fraudulent charges on my debit card. I contacted Bank of America and, after spending over an hour on the phone was assured of that : all the charges would be removed by the next day ; the card had been shut down so no further charges were possible ; and I would receive a replacement card by XXXX XXXX. On XXXX XXXX I checked my account online and discovered that not only had none of the fraudulent charges been removed but several more had appeared. I called again, and after spending nearly XXXX hours on the phone ( including an escalation to the 'Customer Advocate Team ' ) the same promises were reiterated. On XXXX XXXX I discovered several more fraudulent charges ( XXXX of which were dated after the card was allegedly shut down. ) I called in yet again and, after an extended hold time, had to waste even more time arguing with a rep who claimed crediting back fraudulent charges takes 3 business days ( even though I had seen it done immediately the day before ) acknowledging that was false and processing the claim. Additionally, even though I had been repeatedly promised no further charges would post I was then told that was false and fraudulent charges which had previously been removed could repost at anytime. Additionally on XXXX XXXX I was promised that a replacement card would be sent out immediately for delivery no later than XXXX XXXX. When I did not receive it I had to waste still more time on the phone before being told it had not been sent for over 24 hours after I was told it would be and would n't be delivered until XXXX XXXX at the earliest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
My name is XXXX XXXX Im filing this complaint for false reporting misleading information

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 2021-12-27
Company: Experian Information Solutions Inc.
State: RI
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:
My name is XXXX XXXX Im filing this complaint for false reporting misleading information

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 2015-04-29
Company: Medical Data Systems, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was called by the number XXXX. I was asked to verify my name. I did. I asked who was calling. They did n't answer the question, but instead asked me to verify my social security number. I told them I was not giving some stranger on the phone my security number if they would n't even tell me who is calling. 

The caller ( a woman ) rudely said she would " mark on my file my failure to cooperate ''. She then hung up. 

I looked up the phone number on the internet and it belongs to Medical Revenue Services in Florida. 

" Failure to cooperate '' should NOT be listed in any file pertaining to me when the caller FAILED to identify their identity to me or why they were calling. I feel this is a fraudulent practice and such practices should be ceased!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-27
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:
I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2016-11-11
Company: IQOR US INC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
It 's hard to believe the some other debt services that do n't have a better system while some of us are paying who are paying our bills with our continued original debt collection services are getting calls like these when they do n't know we have already chose them to make our payments.

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 2015-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied to a captial one XXXX card. On the application website ( http : //www.capitalone.com/credit-cards/quicksilver/ ) it clearly stated that it 's a XXXX signature card. When I got the card it turned out to be a XXXX platinum card. I called capital one asking why, and I got the answer that not all capital one comes with XXXX signature. I could n't find this information anywhere on the application website, so itself seems to be a fraud to me, but ok I accept that. I then asked if I can upgrade to a XXXX signature card. They said I might be able to but I need to meet a certain requirements, but they neither would let me know what the requirements are nor would let me know if I am qualified for it. How should I upgrade to a XXXX signature card if I do n't even know whether I meet the requirement? And why I got a non-signature card in the first place if the requirement is non-transparent?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information

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 2021-12-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021 i was notifiy by a recipient that i was sending the recipient {$1000.00}. I didnt authorize this transaction and the recipient said she didnt receive the {$1000.00}. I told wells fargo claim department About this and they said the money went to a XXXX XXXX account under the recipients name. The claim was declined by wells fargo because they said the transaction was made using my username and password, also the recipient is someone whom i sent to and received money from.

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 2020-06-16
Company: Google Compare Credit Cards Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello. My husband XXXX XXXX. He worked for XXXX XXXX at the time. He would send me money through Google Pay as he was only home every six weeks for 2-3 days. We used Google Pay many times without incident but this time Google Pay deposited money in my account but then withdrew it the next day for a total of XXXX XXXX dollars. I have been demanding our stolen money from Google Pay for over a year. I filed cases with Google Pay ( case ID XXXX ), the XXXX, the FTC and the Arizona Attorney General. Google Pay acknowledges deposits but ignores their withdrawal which I have documented. They said my husband stole the money, my bank stole the money and I am sure now the Arizona Attorney General and/or the FTC. I just want our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have been battling with Bank of America/Credit Protection Plus for years and have had enough. I have been passed from person to person without any hint of a resolution and the ordeal has ruined my credit and been an incredible burden on me. 

While I was in college I racked up my credit card bill close to it 's upper limit of {$8000.00}. Not wanting to carry a balance or gain interest, I paid off the balance of my credit card ( all at once ) with the exception of the $ 1000+ I had been charged in Credit Protection Plus against my permission ( and had asked repeatedly to be removed from ). I tried, and tried and tried to get them to take these charges off, and get them to stop charging me for CPP - both before and after I paid off my card. Even after I paid off my card and talked to many people about my issue, they did not remove me from the CPP program and my bill crept back up as a result of recurring CPP charges and interest/late fees on the initial CPP charges I left open. I asked them to provide me proof that I enrolled in the program and they could not. I do n't remember enrolling in the program and they certainly did not remove me from the program despite many requests. Thier defense was that I was enrolled in the program for quite some time so I could n't just backtrack those charges. As a college student, it took me awhile to initially catch on to the fact that I was being charged for this service as I had never requested it to begin with. I should have been more aware and on top of it but I was a college student who racked up her bill to nearly {$8000.00} so I was n't going through my bill with a fine tooth comb. 

Frustrated from hours of unhelpful phone calls and unwilling to pay for something I did n't sign up for, I pushed it aside. Recently the other members of my family all received large refunds in the CPP class action lawsuit but I was not included in this suit because I refused to pay from the beginning. I did not realized how bad this actually affected me until I applied for a credit card and was rejected. I got a credit report and found that my account had been 'Key Delinquency ' for years because of this dispute. It ruined my credit and made it impossible for me to get a credit card, buy a car or a house. 

I wish this had n't snowballed into what it is now but I spent so much time dealing with so little impact that I essentially gave up on it. I have now read up on it, found this website, am aware of my rights and realize I do n't have to fight this alone with a large corporation. 

I want to these charges to be removed and my credit to be restored so that I can live my life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
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: Their investigation did not fix an error on your report

Complaint:
There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: EQUIFAX, INC.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
This company, XXXX along with attorney XXXX XXXX XXXX has sued me and received a judgment ( XXXX XXXX XXXX county ND ) XX/XX/XXXX. I was never served and then XX/XX/XXXX they extended the judgement again without notice to me. The clerk told me that I was served at XXXX ND. I have never lived at that address. I have lived on the XXXX since XX/XX/XXXX. No due diligence was used to find my place of employment or current address. I have never received any notice of either action. I have no idea what this is concerning and my civil right to due process has been violated by this company and attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter that my chase card that I've had since 2006 was closed due to unsatisfactory credit reasons when I had a XXXX balance and because I was not making payments on a business credit card that I did not open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and have been a victim of identity theft for over XXXX. I have some unauthorized and fraudulent credit inquiries listed on my Equifax Credit Report do n't belong to me. The following credit inquiries are unauthorized and fraudulent : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX. The following address do n't belong to me : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX and XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have asked Experian and XXXX to investigate the late pay and accounts that do not belong to me. According to Experian and XXXX, they said the creditors verified the accounts and accuracy. I sent them both a letter stating that the law gives me the option to request a Method of Verification and for it not to be e-Oscar or another electronic method. This will ensure the most accuracy for my credit profile. Experian said they do not have to honor request and will not provide their method of verification. XXXX said they didn't know if they could do that. XXXX said they will provide a method of verification other than e-Oscar. 

I feel Experian and XXXX are not reporting accurate information about me. In addition, XXXX will not allow me to view my credit report online from their webpage or from annual report. com This is very concerning to me because it appears to me these credit reporting agencies are hiding and preventing me from seeing information about, which is preventing me from getting these errors corrected and/or removed. 

They failed to honor my request even after saying it was verified.

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 2015-12-10
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
On XXXX/XXXX/2015 I spoke with equifax customer service about having more than XXXX credit report. Equifax verified that I have XXXX credit reports ( Confimation # XXXX ). I was informed that equifax would merge the reports, but I had to fax a copy of my social security card and proof of address. A copy of my social security card and drivers license was faxed to equifax. Rep explained that it could take up to 90 days to complete the merge. 
On XXXX/XXXX/2015 I received an email from equifax stating that they could not merge the reports. The same day I filed a complaint with the CFPB ( XXXX ). Equifax responded and stated that they will merge the reports and that it could take up to 90 days. 
XXXX/XXXX/2015 called equifax to get a status of the merge. I was told that I need to fax a copy of my social security card and drivers license. This information has already been provided and verified. After verifying this information and informing me that the reports would be merged, it appears that nothing has been done. 
When I pull my report I get the same report each time, and ca n't see the contents of the XXXX report. I have no idea what information is being reported on the second report. As a consumer I should have access to any/all information being reported on these reports. 
I have been denied credit based on information obtained from equifax. Creditors base their decisions based on negative information that I ca n't see, and have no idea if it is valid or not. I have also asked that equifax mail me copies of both reports. They stated that they would mail the reports, and I have never received them. As a consumer I have the right to know what is on these reports, and the ability to dispute what may not be valid. I should be able to make a credit decision based on what my reports contain, and not what a creditor can see and I ca n't.

Company response to consumer: Closed with explanation