BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient took over my private student loans from XXXX. Nether of which are willing to help me get a payment plan that is reasonable. They have only pushed the matter of given them XXXX dollars right away and they will stop the interest rate from going up. My interest rate is almost 7 percent now on my student loans and it goes up everyday. 

They have told me to sell my only car to pay them, they will not work with me and have hung up on me several times. I just want to pay a reasonable amount on my student loans. XXXX dollars a month for owing XXXX dollars is not reasonable especially when i have XXXX children and we are on a single income. They do not return my emails and do not call me, they have put me in forbearance and than removed me with no warning and immediate throw something on my credit without a phone call, email or letter by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
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  account XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-25
Company: Experian Information Solutions Inc.
State: GA
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:
It saddens me that I have account ( s ) on my credit report that are illegally being reported hence withholding me from seeking new lines of credit. Experian, XXXX, XXXX and the original creditors are BREAKING THE LAW. I have disputed these alleged accounts with Experian, XXXX XXXX on -- -- -- -- -. The account ( s ) from XXXX XXXX with the account number ( s ) XXXX & XXXX.The account from XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) with the account number XXXX which is reporting on my Experian and XXXX need to be removed. Experian, XXXX, & XXXX are in violation of 15 U.S. Code 1681b which states in subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX, never gave Experian, XXXX, or XXXX any written consent to report anything on my consumer report. No consent is in fact identity theft. Additionally, they are also in violation of another code. They are also violating18 U.S. Code 1028A : Aggravated Identity Theft which states ( a ) Offenses Pursuant to subsection ( a ) Whoever, during and in relation to any felony violation, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. The law states that whoever knowingly transfers, or uses, without authority, a means of identification of someone shall, in addition to the penalties for such general felony, will be sentenced to imprisonment of 2 years, or 5 years for terrorism. Hence, I, XXXX XXXX, never gave Experian, XXXX, or XXXX any written consent to transfer, or use, without authority, a means of my identification. No consent is indeed identity theft. I demand to see a affidavit singed by a, Experian, XXXX, or XXXX supervisor or executive detailing where I gave them written consent to transfer my identification!!!! You have violated U.S. Code 1028A. I have tried endlessly to remove these accounts with the credit bureau and creditor they have failed to remove the information they illegally furnished. Sadly, I will have no choice but to stop extending my credit report to anyone if this can not be resolved. I know my rights.

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 2015-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Capital One is reporting the incorrect past due balance, balance, payment amount, and date of XXXX delinquency. These factual errors are purposely ignored by Capital One and have prove to be detrimental to my financial rating. I have been denied and received unfavorable credit terms because of the careless reporting by Capital One.The Fair Credit Reporting Act ( FRCA ) says the information on your credit reports must be accurate. Credit Reporting Agencies are only suppose to report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days.

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 2021-07-06
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and opened many accounts without my permission or authority.

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 2019-03-11
Company: EQUIFAX, INC.
State: CA
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 have notified all 3 bureaus countless times about blocking these fraudulent items off of my credit report. There are still a couple child support items, and a couple student loan collections that still remain on my credit reports in which should absolutely bare no relation towards me. These fraud accounts are not consensual, i never had a relationship with any of them, and there's been no good legal assessment in which i've been sent status updates or verifiable proof from these bureaus investigation. But i do know FCRA Laws and consumer rights, the reporting credit bureaus have been willingly violating the 605 ( b ) law. I've already mailed/faxed my cover letter, ftc i.d report with personal statement, police report, attached list of fraud items sheet and proof of identification sheet. All have been went documented, traced and sent over to all 3 bureaus, by 605 ( b ) law the reporting agencies each only had 4 business days after the date of my mailed documents receipt, to block the said fraud items with all the necessary documents i provided. I got dealt the wrong hand by these bureaus, they disobeyed the laws. NO LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGENCY OF These accounts should have BEEN removed/blocked from my account. I have kept a paper trail this entire time, myself and my lawyer are in the process of filing a big lawsuit against these bureaus for Defamation, Negligent Enablement of Identity Fraud, and Violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX  VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692-1692 Section 808 ( a ) AFTER FAILING TO VALIDATE DEBT FORECLOSURE CASE # XXXX XXXX COUNTY FLORIDA This complaint is to request for Sanctions against XXXX XXXX XXXX   XXXX XXXX violation and malicios activities for refusing to comply with NOTICE TO CEASE COMMUNITATION, and stop enforce security interest after failing to validate a Disputed Debt, owned by a purported TRUST called XXXX XXXX XXXX XXXX, opening a third ( 3 ) Foreclosure action at XXXX County Florida ( case # XXXX ) to defraud complainant. 

SinceXX/XX/XXXX XXXX XXXX XXXX willfully failed to disclose Notice of Verification Debt request. Exhibit 1 On XX/XX/XXXX XXXX XXXX XXXX was served with NOTICE TO CEASE COMMUNITATION and refrain to collect and enforce security interest, under Fair Debt Collection Practices Act 15 U.S.C. 1692-1692 Section 808 ( a ), though Consumer Protection Financial Bureau ( CPFB ). Exhibit 2 XXXX shall refrain to collect and enforce security interest, under Fair Debt Collection Practices Act. 15 U.S.C. 1692-1692 Section 808 ( a ), Unfair practices there is no present right to possession of the property claimed as collateral through an enforceable security interest In violation Fair Debt Collection Practices Act. 15 U.S.C. 1692-1692 Section 808 ( a ), after NOTICE TO CEASE COMMUNITATION, XXXX XXXX XXXX ( XXXX ) open a third ( 3 ) legal Action of Foreclosure case # # XXXX in the state of Florida to defraud and mislead homeowner and Justice claiming false interest on a debt, it can not validate. Exhibit 3 XXXX XXXX XXXX as supposed Power Attorney of XXXX XXXX XXXX XXXX, AS TRUSTTE opened a lawsuit of foreclosure. The allegations set forth in the Plaintiffs complaint state that XXXX XXXX   XXXX XXXX, is the Mortgage. 

The Mortgage attachemd to the complaint as an exhibit identifies XXXX XXXX XXXX XXXX, XXXX, ( XXXX ) as the Mortgagee, as nominee for XXXX XXXX XXXX XXXX. Exhibit 4 XXXX XXXX XXXX the movant of Lawsuit on behalf of the purported TRUST XXXX XXXX XXXX XXXX, falsely claimed it is the Note Holder to mislead justice. 

More over, XXXX XXXX XXXX have failed to disclose correct copies of the note and all allonges, endorsements, transfers, or assignments of the Promissory Note, it falsely claimed to have ownership. 

XXXX XXXX XXXX commited not just violation of Fair Debt Collection Practices Act. 15 U.S.C. 1692-1692 Section 808 ( a ), but FRAUD AND EXTORTION to defraud homeowner. 

We ask Consumer Finanacial Protection Beureaus action to refer XXXX XXXX XXXX criminal activities to proper venue for Sanctions and order to withdraw all malicious prosection of foreclosure to steal XXXX XXXX property.

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 2016-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Today I received a letter from Bank of America dated XXXX XXXX XXXX. When I called the phone number on the back of the letter and I entered the last XXXX digits of account closed in XX/XX/XXXX, it said my first name and then said it was being " consolidated '' at my request!!!!! What? I asked the persons in XXXX ; XXXX and XXXX as I was bounced from state to state and disconnected again and again : where are the XXXX credit card statements I was promised two weeks ago? I was told they would be mailed so I can forward them to the XXXX credit reports - some of whom have already removed it based on the date alone. But others are miscommunicating the term " correctly reporting on your credit file '' which not true! Now - today - Bank of America has stripped their own computers of the furnished payment information in each month in XX/XX/XXXX and XXXX XXXX ; such that the bank 's responders to disputes ca n't see what they furnished in XX/XX/XXXX that is still on my credit report. Bank of America fabricated phony credit card statements to show the XX/XX/XXXX closing by me. However, they ca n't create documents in XX/XX/XXXX, as promised two weeks ago? The bank is hiding the fraud on this account by deleting the furnished data. That is fraud. The envelope received today did not come from XXXX either, despite the return address. It has been an annoying habit that letters are mailed from Bank of America from states other than the one it is written from. I suspect this is the bank 's way of avoiding the Attorney General of the state listed from having jurisdiction on the matter. This is compounding an already disasterous situation for no reason. The letter in no way allows a customer to talk directly to the place listed on the letter. Clearly, it was a fake form letter.

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
Consumer complaint received 2016-10-26
Company: Navient Solutions, LLC.
State: NV
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:
Iam filing a complaint against Navient department of education loan servicing. I have been a student since XX/XX/XXXX, loan repayments are not due until you finish school. Right now Iam under the loan forgiveness program because Iam unable to start making payments. I have called every month for the last 5 years to indicate if I need I am able to make the monthly payment or if an extention is needed but the agent forgot to update my account and now my credit report is showing XXXX derogatoring marks, that is drastically affecting my credit. Navient is reporting that I have XXXX late payments for XX/XX/XXXX, and that is not correct. I have tried contacting them sending them letters to fix and delete the mistake made by their agent and I get no response from them! I have asked them in several occasions to please mail me the copy of my forbidance letter and they never do!! All they send is a summary of the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I paid {$50.00} via XXXX on XX/XX/XXXX, did not receive the promised item, then immediately called my bank ( WF ) to stop the transfer ( it didnt go through until days later on XX/XX/XXXX ). The bank told me they could not stop the payment, but would credit me the {$50.00}, but then I never received it. I then spoke to 8 different Wells Fargo agents over the next 2 weeks over many hours who were all giving me inconsistent information and false promises. Then I got a letter stating my claim has been closed.

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 2019-11-26
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
For the last 12 months consumer portfolio services has not allowed me to use my final extension on my loan. An extension would allow me to get caught up on my loan and prevent damage to my credit. Customer service has even rejected my request to apply. I was not able to apply for an extension which does not appear to be lawful or beneficial. As a result I am consistently behind and have not been able to get caught up on the loan. This has also affected my credit report drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
. I live in XXXX.. My car loan was past due. I made a payment on XX/XX/2016. My car was taken that night. My response from XXXX on XX/XX/2016 I explained that registration was due then insurance in order to maintain the vehicle, then payment was made. He stated that payment did not post and that I would have pay XXXX plus any applicable fees in order to get my vehicle back. This would have been understandable if I was not trying to maintain the vehicle legally and made payment.I feel due to the circumstances this shiul have been handled differently. 

Thank You For Your Consideration, 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 2020-01-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for an offer from BMO Bank to earn a {$400.00} Checking account bonus + a {$200.00} Money Market bonus + and a {$100.00} bonus for doing both. That checking account bonus was paid XX/XX/XXXX. The Money Market and combined bonus has not been paid and it has been 177 days, well past the required time. 

I opened a Platinum Money Market account and deposited {$10000.00} within 30 days of opening. 
I transferred the money temporarily to my checking account to be able to move it into the money market account. I could not transfer it directly into the account because my other bank requires micro deposits to verify the account. So I had to put it in the checking account for a few days and then I could open the Money market account. It was in there a short time and it seems clear to me what my intent was. 
My checking account shows I transferred {$8000.00} on XX/XX/XXXX to the money market, and the remaining {$2000.00} on XX/XX/XXXX. 
The {$10000.00} balance has been in the account 177 days as of XX/XX/XXXX. 

I have sent them a message through their website on XX/XX/XXXX and again on XX/XX/XXXX. They have not replied to either message. They did reply to earlier messages so I do not know why they are ignoring this. 

Below copied from their website ; Offer 1 was paid. Offers 2 and 3 were not paid.

3 offers to get up to a {$700.00} bonus!

Offer 1 - Get a {$400.00} bonus for completing the following activities with a new checking account in the first 120 days : BMO Harris Smart Advantage Checking Account {$25.00} min deposit Have a total of at least {$6000.00} in qualifying direct deposits. ( {$1500.00} a month ) 2 x $ 800 month XXXX XXXX in BMO Digital Banking and set up paperless statements. 
Make at least 10 qualifying electronic transactions. ( debits ) BMO Harris Smart Advantage Checking Account no monthly fee with paperless ( estatements ). pay bills, transfer money, view statements, and more with free BMO Digital Banking6 {$5.00} for each Money Order, {$10.00} for each Cashiers check, {$30.00} outgoing domestic wire transfer Offer 2 - Get a {$200.00} bonus when you open a Platinum Money Market account, deposit at least {$10000.00} in new money and keep it for 90 days.

Platinum Money Market account Offer 3 - Get a {$100.00} bonus just for opening a checking account and a Platinum Money Market account! ( this gets deposited into your checking account )

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 monetary relief
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: FL
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 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 2017-10-15
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
I received an offer in the mail for XXXX Business Card promotion where I would get XXXX points after spending {$5000.00} in 3 months. I applied online with the promotion code and got approved. After receiving the card and before activating it, I called XXXX to verify my bonus eligibility since I had the similar card in the past. and they confirmed that I am eligible ( since I did n't have the same card in last 5 years ). 

I have spent almost {$3200.00} in first 2 months already and now they are telling me, I will not eligible for the promotion even I spent {$5000.00} in 3 months since I have had the card in the past. 

I am very upset and do n't know what to do next. These people are outright dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I ca n't make online payments through the Navient Website. I spend most of my time overseas and every so often when a payment is due I ca n't access the website. I have complained about this before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
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 HAVE CONTACTED EXPERIAN AND DISPUTED THIS FRAUD ACCOUNT US DEPT OF EDXXXX AND EXPERIAN NEVER INVESTIGATED OR RESPONDED TO MY DISPUTE. EXPERIAN IS VIOLATING MY RIGHTS AS A NATURAL PERSON. PURSUANT 15 U.S.C 1681S-2. THEY HAVE FAILED TO NOTATE THE DISPUTE ON MY CONSUMER REPORT! THEY HAVE BROKEN THE FEDERAL CONSUMER LAW!

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