BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-15
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
My XXXX loan XX/XX/XXXX. {$54000.00} XXXX sold to Navient XX/XX/XXXX my XXXX loan, sold to Navient was {$53000.00}. 
Today, XX/XX/XXXX my Navient loan is {$53000.00}. 
In Sixteen Years, I have had various sums of money taken automatically out of my checking account every month. Maybe 3 or 4 mixups during the changing from XXXX to navient. Can some one tell me why?? Why not one XXXX of my principle has gone down in Sixteen years. 
When my daughter XXXX XXXX XX/XX/XXXX we looked toward our lender for help and guidance as to what was the minimum payment we needed to make in order not to be turned over to a credit bureau. We were told to go on a forbearance. We followed their instructions. I believe during that time, XXXX took advantage of me and my family. Can it be possible that I have GIVEN XXXX of dollars to XXXX and Navient, and have not brought my principal down????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent you a debt validation letter 30 days ago asking for your company to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}.

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 2016-12-13
Company: CITIBANK, N.A.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am having a checking account with Citi. 
Have these kind of issues : 1 ) They do n't provide online access by default. Moreover they never told you whether you need to do that or how to do that? Somehow i got the online access. 
2 ) I wanted to close the account so I wrote a check to my another Bank account ( at XXXX ). Prior to that I asked Citi via Secure message center that i am transferring all the balance via check ( external transfer ) and let me know if there is any issues ( or fees or penalties ) -they said go ahead and account will be closed. I wrote and submitted the check into my XXXX account on XX/XX/XXXX early morning ... and Citi account was suppose to be closed on XX/XX/XXXX after check clearing ... 
Today ( XX/XX/XXXX ) - i come to know that my Citi check has been returned. XXXX charged me return check fees of {$7.00} also. 
When i reached out to Citi and XXXX both. Citi told me that I should have authorized the check ( what??? ) -did n't i told them when i wrote to them last week via secure message center about it? 
Moreover Citi send me the check book - no where it 's mentioned that writing check is blocked and i need to do something to unblock it. Moreover none of the banks in USA does anything like that. So if Citi is doing it differently ( in it 's unique way ) - they should educate the customer before head rather than this sorry situation. I chatted with Citi and also called their customer service. they are not willing to do anything it seems ... mere apologies but nothing more than that. I wasted my time and money and energy for no fault of mine but these weird ( and unknown to customer ) rules of Citi. In other words - Citi is making it too difficult when customer is trying to take his/her money out of the bank account. 

Needless to mention - the account had sufficient money to honor the check. If there is anything required by Citi ( like it is genuine check and customer only had written it ) - they should have called me or informed me at least ( they had my entire contact details as they collected it during the account opening process ). Moreover i wrote the check to myself ( just from Citi to XXXX ) - so there is not even a single reasonable person who will believe me on this nuisance caused by Citi.

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 2017-03-21
Company: GREAT LAKES
State: MD
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 have XXXX Parent Plus Loans on one account with Great Lakes. They have always been paid in full & on time with auto-debit. In XX/XX/XXXX I started paying an extra {$200.00} as part of the auto-debit. Two places on the Great Lakes website state " once scheduled monthly payment & all outstanding interest has been paid, excess will be applied to the loan with the highest interest rate, thus costing you less interest over time. '' Also under " How Payments are Applied '' it states " When it comes to excess payments you have more flexibility. We automatically apply excess to : 1. Accrued interest since your last payment 2. Principal of the loan with the highest interest rate ''. The {$200.00} extra was not applied as promised to only the higher interest loans which is going to cost me more over the life of the loan. XXXX of my loans have 7.65 % interest rate & the XXXX has 6.16 % interest rate. Great Lakes applied a portion of my extra {$200.00} payment to the loan with the lowest interest rate. In XX/XX/XXXX my payment of {$490.00} was divided so that the 6.16 % loan received a principal payment of {$100.00} prior to adding the extra {$200.00}. In XX/XX/XXXX I added the extra {$200.00} which non of that should be applied to this lower interest rate loan but the amount allocated to this loan went up every month even though the total principal amount is going down. XX/XX/XXXX, {$120.00} principal payment was charged & XX/XX/XXXX {$130.00} principal payment was charged. They are using my extra payment to pay down this lower interest rate loan! This is very wrong! How many thousands of people are getting ripped off?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: HireRight Solutions, Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HireRight performed a background screen for me on XX/XX/XXXX. I received the report on XX/XX/XXXX and several misdemeanors and active warrants were listed under someone else 's name in my report. I asked HireRight to redo the screen on XX/XX/XXXX. On XX/XX/XXXX, they finished a review and I just received the report with the crimes for the other person all still listed. They claim that the other person 's misdemeanor in XXXX XXXX XXXX was filed under my SSN and DOB. They didn't review anything else, based on what I am reading. I was given a temporary position when the first report came back with the errors. I will likely be XXXX  from my employment tomorrow, because this is still an issue. The misdemeanors were committed in XXXX, XXXX, XXXX and XXXX and I have had other background screens between the latest offense and today, where these never appeared. This leads me to believe HireRight has made an error. The report also says " full name on record confirmed to belong to the candidate '' beside each arrest record for the other person and her multiple aliases. It is not me. Her name isn't remotely close to mine. Given that HireRight has put my job in jeopardy and clearly made errors, I am looking for help from CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Second complaint from original CPFB complaint # XXXX a monetary relief agreement was given but Santander USA, has yet to apply to my balance this would XXXX out my loan and it would be paided in full also title would be issued after that they stated 5-7 to reflect that has yet to happen. Also, please remove from the 3 credit bureaus as mentioned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/2002 I bought a home using XXXX Pick a Payment option for 7 to 8 years I was never late even though the payment kept going up and I was XXXX off my job. Then the payment went up to XXXX per month from about XXXX per month and the loan was unaffordable. I have been trying to get a loan mode for ( 7 ) seven years I have tried with agencies and without. 
I have appelled my denials. I have just about begged for help from Wells Fargo 's Loss Mitigation Dept. to help me They are saying I owe them too much but when I owed much less they would no help me either ' now they are still not willing to work with me even though I have income. 
I AM OVER XXXX AND HAVE NOWHERE TO GO I am just looking for an affordable resealoution. PLEASE HELP ME

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 2015-06-10
Company: Ballybunion Enterprises, Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I bought some Jewelry from a company that is charging and outrageous amount for their jewelry and when I tried to return the items they claimed there is no return policy just a trade value for the items of the same price that it was bought for. After that I left and decided that I was n't going to keep the allotment going through my account and stopped it. a few months later I get a phone call at work claiming that it was a military legal officer on the other end of the line and I received a number to a company that the finance company that was used. When I called the company they threatened to have me charged by the uniform of military code of Justice under an article of the system. After the phone call I got ahold of XXXX XXXX Loans where I got a loan for {$1400.00} at 30 % and when the loan hit my account they went in and took the money with permission by charging my card a total of {$910.00} through multiple transactions that was not authorized by me. When I noticed the transactions I called the company and they confirmed that they took the money due to a overt due balance of the {$910.00} for the time that I stopped the allotment that the money was going through while on a XXXX in XXXX, XXXX up to the date that they took the money. A few months ago I was appointed to court without knowledge of the court date in Virginia and being served, and at the court there was an attorney appointed to me without my consent. I have to pay {$440.00} a month by the court ruling, which is a certain percentage of my military check.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Blackhawk Network Holdings Inc.
State: KY
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
Was told I must purchase a XXXX pack to open a safe account on line to put my money in before I could access my money my prepaid XXXX card. After loading my money onto my safe account, XXXX, I went through circle after circle of technical difficulties and I couldnt access my money. After a month of trying to reconcile this problem, I finally requested a refund of my money, they said it would take XXXX business days to receive it. After XXXX days came and gone still no money, called cooperate office spoke with XXXX at Blackhawk Network, she said some how refund was canceled she apologized and had no clue who did it, then assured me I would have my refund in XXXX business days. XXXX business days came and went, still nothing called XXXX back again some one had some how canceled my refund yet again, they apologized but will try and start refund process again which still will take another XXXX business days, Im not holding my breath!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Other

Complaint:
I placed a credit fraud alert on my credit report in XXXX or XXXX and people are still opening accounts under my name and using them and it 's affecting my credit score and I am being turned down or any and everything thing and it 's not fair my score was at XXXX and not its in the low XXXX 's and nobody is helping me people have applied for XXXX XXXX XXXX cards, XXXX XXXX cards, old navy, XXXX XXXX cards and XXXX personal loans, and tjx rewards credit cards when I already have cards with most of theses banks and theses were all recently and the somebody applied for a XXXX XXXX XXXX credit card like 2 weeks ago and I want all this to stop please there are XXXX credit incuires on my XXXX credit repot and only XXXX of them are mine the rest are fraud and then there is like XXXX on my XXXX report please please do something I am wanting to buy a house and a car and I ca n't and none of the banks will remove anything from my report I have called and called the banks and Amazon says I owe them XXXX dollars to when its fraud transactions and they not remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-28
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
Hi, I used PayPal to send and receive money. I always say to take the money out of my bank account if I make a purchase so I can keep track of my purchases for film and tv purposes ( I work for XXXX ). However, my friend sent me {$500.00} AFTER these purchases were made and AFTER I had verification that these purchases came out of my bank account, and they used this as the money to pay with even though I had already told them to take it out of my account. Additionally, i tried to give the money back to the people on XX/XX/XXXX and XX/XX/XXXX, and PayPal Charged me twice. Once when they sent it and once when I returned it. So, I was charged {$30.00}. When I reported this, they said I was only charged once, but I can clearly see I was charged twice -- they told me i. i need this fixed in the system before I can withdraw money for tax purposes -- I need the XXXX, XXXX and XXXX charges to come out of my bank account, not the PayPal balance -- which came after I made the purchases over the weekend. I made the purchases prior to this..I was on hold and they told me I needed to talk to a specialist, but when they transferred me that office was closed. Additionally, when XXXX sent me money in XX/XX/XXXX, she also sent it the wrong way, I was charged XXXX and promised by Pay Pal to have this money refunded, though it never happened. The person at PayPal, said this money should not have come out in this manner and they apologize, but he said only a specialist can fix this for XXXX tax records. Can you help look into these issues for me? They owe me {$60.00} in fees that were promised back to me. Additionally, I need the monies to be canceled if they can not fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint:
There are several inquires listed through a company named XXXX. I did not give anyone authorization to pull my credit XXXX/XXXX/2016, XXXX/XXXX/2016 and XXXX/XXXX/2016. I am disputing this and disputing with the actual company. This has to be against the law. Why would anyone pull there credit three times in one month.

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 2016-10-27
Company: Integrated Recovery Services
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
keep calling me and wife saying " this is XXXX from intergrated services call XXXX failure to do so will expedite employment wages and liquid assets protocol. 
They were asked to stop calling said i need to call back or my lawyer and hang up the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My daughter received medical care at XXXX XXXX back in XX/XX/2012. On the date of service in question, my daughter was covered by Medi-cal ( XXXX California ). The hospital is stating I failed to provider her medical insurance information and this is not true. I contacted Grant and Weber several times to explain what happened, they are not willing to adjust the balance or to bill Medi-cal as they are saying bill is out of timely filing and balance will not be paid by Medi-cal. This is not fair, and also under title 22 in the State of California, If my daughter had medi-cal and I was able to prove it, they are suppose to write off the balance. Grant and Weber are refusing stating this is not true. They want the money from me and that 's all they care about. I have proof my daughter was covered by insurance. I also tried to get help from XXXX and they were on the side of the debt collector, so if you can help, I will be grateful.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I obtained my free credit report and noticed a XXXX XXXX XXXX Credit card on my report which shows delinquent payments. I never opened a XXXX XXXX XXXX Credit card. I tried to have the credit bureau do an investigation but they keep saying the account belongs to me. In the results document they suggest I contact XXXX XXXX XXXX which I have done several times. They concur that I have never had a XXXX XXXX XXXX credit card. But since XXXX XXXX XXXX has no record of even reporting this to the credit bureaus they are unable to do anything for me and tell me I need to go back to the Credit Bureau again to have they reinvestigate this. I have done this 2 times already with no resolve. I am not sure what to do at this point and want this removed from my report. I am not sure how the credit bureau investigates disputes but when I call XXXX XXXX XXXX and provide my SSS # they bring up my profile and verify that this is not my account. Here is the Account number XXXX .... I am unable to provide that last XXXX digits because I do not know them. 

Please advise. 

Thanks XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Borrower XXXX purchased her home at XXXX, LA in XX/XX/XXXX for {$39000.00}. To purchase the home, she took out a FHA Loan at 8 % interest. Her monthly principal and interest payments were {$280.00}. For the duration of the loan, she has paid taxes and insurance out of pocket. 

In XX/XX/XXXX, XXXX lost her job and was placed on a 3 year workout program by HUD. During this time, her monthly payments were reduced to {$79.00}. She continued paying principal and interest out of pocket during this time. She was verbally informed that the {$8000.00} in interest she accrued during this time frame would be forgiven upon the maturity date of her mortgage. 

After she began making payments towards her mortgage once again in XX/XX/XXXX, XXXX remained current on her loan until this date, aside from two months after Hurricane XXXX in XX/XX/XXXX, which she promptly repaid. 

As her loan was approaching its maturity date in XX/XX/XXXX, she was made aware that there was still an outstanding principal balance of {$15000.00}, plus an interest arrearage of {$8100.00}, and additional fees for a total payoff amount of {$23000.00}. 

It is unclear why there is such a large remaining principal balance when the borrower 's loan was fully amortizing, and it appears that the servicer has failed to forgive the interest arrearage as agreed to at the time of the workout option in XX/XX/XXXX-XX/XX/XXXX. 

The outstanding principal balance on the loan does not appear to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: ASTORIA BANK
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received the Astoria bank advertisement in the mail, which states if you open a new Simple Checking Account and make three or more online bill payments of {$25.00} or more during the XXXX consecutive months, you will get {$120.00} bonus. I opened a Simple Checking Account at the branch located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX on XXXX/XXXX/15. I maintain more than a minimum $ XXXX monthly balance and made XXXX bill payments of {$46.00} each for the XXXX consecutive months : XXXX, XXXX and XXXX, 2015. But I did not get a bonus. I called to the customer Service and branch regarding the bonus. They said I am not qualified. When I was opening my checking account I asked a representative when will I receive a bonus? She said after I make three payments. And now, she says I did not make XXXX payments. The ad states I should make XXXX payments. The company does not honor what they advertise. They mislead consumers and not follow their promises. Their service looks unprofessional. I will provide you with the attached documents as the proof of my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

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