BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: OH
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:
Navient/XXXX has made it virtually impossible to repay the principal of my loans. I have XXXX loans currently held by this company. I consolidated my federal loans with XXXX in XX/XX/XXXX. Since that time, my loans entered into a period of economic deferment and forebearance. The interest was capitalized and when those periods ended, the loans were repaid on time, every time. I had XXXX issue which led me to call Navient ; I was curious as to why my principal was not decreasing at all. I was told that I was paying late, which was untrue, statements prove it, but was told that if I was not paying XXXX days before the due date the payments were considered late. In addition, when I asked why Navient did not have an amortization schedule ( why was n't a portion of my monthly payment going toward principal and fees/interest ), I was told they always apply the payment to interest and fees first. No exceptions. This is in complete disregard to some of the information on their website. Essentially, in past years I have paid over {$700.00} per month to Navient and was lucky if {$11.00} went toward principal. I will freely share this information if requested. To highlight the problem, I originally got a consolidation loan for over {$37000.00} over XXXX years ago. I have been repaying on time ( excluding economic deferment and forebearance periods ) and yet, after all this time, I now owe over {$38000.00} in principal. This is XXXX of XXXX loans of similar size. I understand that interest gets capitalized, but these numbers seem a bit off and whenever I have called to discuss these matters, I have either been told I need to go into default or just treated like a criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: OK
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:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT

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 2017-01-19
Company: Navient Solutions, LLC.
State: MA
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:
Went to XXXX XXXX that was sued and mislead Students in their education that is considered a non credited institute with most major colleges, university or unable to locate empleoyment and now currently was shut down and close. Now trying to repay the loan that is no longer valid and since is a private loan with high interest the load hardly goes down and also dealing with federal loans as well

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
First of all I would like to take this moment to thank you for all the wonderful work you do in helping us resolve issues that would take years to resolve but because of your exceptional work they get resolved sooner, for that thank you. 
I have a mortgage with Pentagon Federal Credit Union ( PENFED ) I the borrower pay the Insurance and Taxes no escrows. I paid the Insurance and the taxes for fiscal year XX/XX/XXXX-XX/XX/XXXX. My XXXX XXXX XXXX forwarded the homeowner 's declaration page ( HODP ) in XXXX XXXX on the renewal date. In XX/XX/XXXX I received a letter from PENFED requesting a copy which I uploaded on the internet portal as they requested. In XX/XX/XXXX I was notified of forced insurance. Called their toll free and I was advised that they received all the needed documents ( s ). Forward to XXXX XXXX they raised my payments to reflect the forced insurance. I have tried to correct the issue and they acknowledge they received the HODP I 'm not sure if its incompetence on the employees on their systems do n't interface/talk to each other. If could be kind enough and help me resolve this issue of having XXXX policies on XXXX house.

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 2017-02-22
Company: CIT BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
IndyMac/OneWest/XXXX and XXXX XXXX XXXX duplicated my credit status pertaining to the mortgage I had with IndyMac. The information submitted to the Credit Bureaus was duplicated. The same information was reported twice. One by IndyMac/OneWest/XXXX and the other by XXXX XXXX XXXX. This is incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: Navient Solutions, LLC.
State: WV
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:
My husband had a parent plus loan in his name that we took out for our oldest daughter. We began paying it back and then we filed a Chapter XXXX bankruptsy in XX/XX/XXXX and paid off the chapter XXXX in XX/XX/XXXX and it was discharged. The trustee handling our bankruptsy paid off our loan to the Dept. of Education to an address in XXXX Texas. But 7 months later we received a bill stating we still owed on the loan. I contacted our lawyer and he forwarded to us all the payments the trustee made to the Dept of Ed. I then sent it on to Navient. They took several days and sent back what they had. The records do n't match. They do n't have listed even half the payments made so I sent our records again. They still have not fixed this. Our loan was for XXXX and at the time the trustee took over we owed {$3800.00} and she paid back to the Dept. of Education over {$4900.00} -- - {$3800.00} in principal and over {$1000.00} in interest.. this does not count what I already paid in principal and interest before she took over. How can we resolve this??? We have since been able to have this loan put on hold because my husband was approved for XXXX but in reality we do n't owe anything and would actually be entitled to a refund of all the payments we made on this loan after he became XXXX. We need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check in the amount of {$4500.00} on XX/XX/XXXX. The receipt from the atm said my deposit would be available on XX/XX/XXXX. I go a letter in the mail from Bank of America on XX/XX/XXXX which is dated XX/XX/XXXX saying the available date was changed to XX/XX/XXXX and the reason is " a hold was placced on your check because check specific information indicates item may be returned ''. I contacted the bank on XX/XX/XXXX several times to find out what information did they receive that told them the check may be returned and could not get an answer. I called the issuing agency and confirmed the check cleared their bank XXXX on XX/XX/XXXX. So there is no explainable reason for my funds to be held for an extended time past the date originally quoted to me. I demanded to speak to the " risk department '' who put the hold on the funds and could not speak to anyone. spoke to several people claiming to be supervisors who told me there is nothing that can be done. They contacted the other department and my request for release was denied. I the funds were given to me for the sale of my home. this was not a personal check deposit. I also have approximately {$3500.00} a month direct deposited to this account. there is abosolutely no viable reason why they are holding money from me that they already received. I demand immediate refund of my money and interest payments that I have to pay for late payments on other obligations because my funds are not available. I also would like any overdraft fees that I may incur for this unjustified hold.

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 2016-04-30
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
They claim they sent notification of legal action, they claim they served me and obtain rightful judgment against me. I asked them to provide proof of how they served me as I travel and no one in my home at time they claim they served me going to court for judgment. They state they placed notice on my door. I have asked them to provide me a copy of the signed contract to verify my debt and owed. They have not provided me any signed contract simply stated payments were being made for a period of time so it has to be my loan. I explained I was victim of identity theft yrs ago and I did have loans with beneficial yrs ago but paid each loan off as I did my other creditors. I was not aware of this judgment or collection debt until I went to refinance my mortgage for lower rate and savings of XXXX with refinance. They advised me of it I called the XXXX XXXX XXXX funding theu said debt now handled by law group XXXX XXXX XXXX at XXXX XXXX Texas XXXX. I explained I was not aware of debt let alone how a judgment could be awarded against me if I wad not advised or served to appear in court. I asked them 3x for copy of contract with my signature. I explained I had loans with them but paid out. They only send me a copy of the judgment filed against me that has has kept me from refinance. I offer to settle if they had contract with my name and could produce it just to move forward with refinance. I am asking they provide me proof this debt is rightfully owed by me producing the signed contract or they remove the judgment and reference of any such deby from my credit file and they pay me for damages if wrongful reporting a debt and judgement on my credit filr. They cost met me my refnance saving over XXXX on my finance of my house. I pay my debts and have a great credit history with my creditors. My credit score is XXXX plus being impacted by this alleged debt they wo n't prove is mine with signed contract. The collection agency XXXX XXXX XXXX is not a reputable collection agency. They have harmed several consumers with their collection tactics. I will seek legal action against them for action taken against me after I get this matter resolved. I want a signed copy of contract to confirm I owe debt or seek to be paid for damages and FDC practice violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My XXXX XXXX collection is incorrect. The account I opened in 2009 was closed and zeroed out before service was discontinued and a payed in full status was never restored. I submitted bank records to show the ACH payment made before my account was closed in 2009.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-17
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Is the second time in 5 years that I received a collection letter from a collection company which is trying to collect money for XXXX company that I never had any business with them. 
I call them to dispute it and they said I had to fax my claim. I tried to fax it 3 times and their fax is n't working. 

I will include their original letter and the answer I tried to fax for. them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-03
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have contacted LVNV FUNDING , LLC for the past 6 months as it relates to an account they are alleging I owe and have placed on my credit without first validating to see if the account actually belongs to me. It does n't!!! 
They continue to ignore the notices that I have sent them but apparently they are advising the credit bureaus that the account belongs to me. 
Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Continental Finance Company, LLC
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have been a member of Continental Finance gold master card for many years. I have experienced fraudgelant activity as well as other issues. Since I have cancelled my card and asked to pay off the balance back in XXXX 2015, I have not been able to pay my bill off nor even talk to anyone to get satisfaction. I keep being told that to pay my bill online they have recently updated there website and that the wait time will be 20 to 30 minutes, which I wait and wait and wait. For one month now I still can get no answer to get online to pay this card. Please help me nail these people for all off the lying and fraud. I get phone calls from them and also have been called at work. Why?? I have no idea. I am not late and I have cancelled the card only remaning unable to pay it off me wish it farewell. 
off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Netspend Corporation
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I have been with Netspend for over 2 years in which I mainly used for direct deposit from my company and to pay my rent. I had 2 inaccurate charges on my account so I disputed boh as suggested by the agents that assisted me over the phone. XX/XX/XXXX my account was closed without proper communication to me. I called them and asked why my account was closed the lady stated suspicious activity and stated a check will be in the mail and it takes 10 business days. XX/XX/XXXX my rent is due and then after the XXXX it 's considered late and an eviction can be filed plus late fees. I asked if the check can be overnighted to me but he company would not resolve the issue at all. I have XXXX small children and if I lose my place due to the wrong doings of this company then that would be very unfortunate on my behalf. Please assist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2015-09-21
Company: Netspend Corporation
State: WI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I bought a prepaid XXXX card from XXXX. The card is from NETSPEND Corp in XXXX, TX. I put {$500.00} on the card and forgot about fees. I tried to make a purchase for {$500.00} XXXX XXXX, 2015 and the card was declined to the Merchant ( XXXX XXXX in California ) so they cancelled the order. NetSpend has put a hold on the {$500.00} and wont release it to me despite numerous calls to them. I had to use a different card to purchase the product. Netspend says I have to have the merchand send them something stating the order was cancelled. The merchant says " When I cancelled that order it went into cyber space .... '' how do I get NetSpend to release the money??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
ON XX/XX/XXXX WE WERE APPROVED FOR A LOAN THROUGH CAPITAL ONE AUTO FINANCE.The vehicle they financed had been involved in a rear end collision with 2 other vehicles.truck rear ended vehicle in front and the truck was hit from behind also. front end of truck sustained moderate damage.rear of truck minor damage to bumper. 

we come to find this out after having vehicle diagnosed for an engine problem and the truck needs a motor and is inoperable.computer diagnostics wereperformed and a thorough inspection performed.The mechanic who looked at truck found some hidden from plain sight issues and pointed them out.The after market exhaust system and fiberglass muffler were installed before the vehicle was sold to us.Mechanic said they sold you junk.It should have been reported on car fax.The car fax the dealer showed us was incomplete and missing information.The car fax I ordered XX/XX/XXXX reveals more information but does not specify extent of damage.We went to the clear vin website and ordered a report there which did gave less detailed information.i posted the truck onto XXXX XXXX and find auto check report containing clear concise damage information.car fax we ordered shows FUNCTIONAL DAMAGE REPORTED.MEANING TRUCK WAS NOT DRIVEABLE. 
the front end was busted up and quite likely why we are having problems not just with the engine, also going to use 4 wheel drive, wheel alignment- front end wheels could not be properly aligned odd.Maybe slightly bent control arm.steering wheel and driving vibration troubles.There are problems brought up when changing oil with having oil filter and oil pan problems noted. 
had the dealer been honest we would have not traded in my car or put money down nor would a lender have financed this vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: WELLS FARGO & COMPANY
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The beginning of XXXX in XXXX  there was a charge using my debit card to a company named XXXX XXXX in XXXX Idaho. This charge occurred while I was physically in Montana and the banker said because the thief used my debit card with my pin, that they could not refund me the XXXX that was charged. 

I pleaded my case pointing out that I was not physically at the store where this purchase took place, I was in Montana at the time the charge took place and that I had my debit card in my possession.

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 2016-10-07
Company: The CBE Group, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled my XXXX service and a technician came to my home on XXXX XXXX, 2016 to retrieve the equipment. The technician disconnected my service and took payment of the final bill of {$81.00} by credit card at my home. 

My credit card was charged for the payment at which time XXXX reinstated my service in error. I did not have equipment to operate service and was led to believe the service was cancelled. I was not told to take any further action by XXXX. 

I contacted XXXX customer service on XXXX/XXXX/16 and was told the equipment return date was not entered into the system. I should not be forced to pay for an error in the XXXX disconnect process. 

I am disputing the charges sent to CBE Group as they are for services not rendered by XXXX. 

I communicated the information to CBE Group and was told to pay the bill to in order to avoid any further inconvenience. 

I can not be forced to pay for services which were not rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have done online deposits regularly from my wife 's bank account at XXXX XXXX into my bank account at Bank of America at no time was this ever more than a days hold. So as usual I made a deposit and wrote checks on that account to cover bills. Image my surprise when they held my funds from XXXX to XXXX XXXX even though it was taken out of my wife 's account on XXXX. During this time not only did I never have access to my XXXX deposit but the checks bounced and they happily took out XXXX every time to the tune of over {$200.00}. And now my accounts are messed up because of returned checks and bills are late. How could they possibly be allowed to do this ...

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