BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient did not inform me about how I would need to consolidate through department of education directly for XXXXXXXX XXXX I was under the impression that Navient WAS an official department of education loan holder which would qualify me. They knew I was interested in XXXX and even asked if I worked for nonprofit for full forgiveness ( I havent ) but never offered to tell me how to become eligible for the XXXX. This is not the first time they have left me intentionally uneducated through omission of information. In years prior they didnt tell me about XXXX telling me instead that my only option was forbearance allowing themselves to profit off my ignorance for YEARS. Now they are telling me that the deadline to consolidate was XX/XX/22 through the department of education in order to qualify for XXXX XXXX which has conveniently passed. This is so unfair and wrong. They should be forthcoming about qualifying but thats never been in there self interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The balance listed is incorrect along with incorrect reporting. Delete the 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 explanation
Consumer complaint received 2017-06-08
Company: TCF NATIONAL BANK
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account with TCF bank, the acct closed out and after closing I did owe them {$99.00}. There was a payment made to TCF bank, but now they are reporting to my credit report as a collection. I am in the process of purchasing a home and now this comes out of nowhere, I thought once I paid them I was completely done with this company ... This bank and their collection has caused my score to completely drop horribly even after they were paid their {$99.00} now they are asking for more ... I want this company to remove this acct from my credit report, its unfortunate that they do not keep accurate records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had an account with Wells Fargo for over 5 years. 
I opened several business accounts as well. 

however, The issue we're encountering is that in XXXXXXXX XXXX XXXX Wells Fargo sent me notice that some of the payments I received from our clients were being held. Subsequently, they were going to close the account and I was told to pursue the funds that were pending with the clients. 

There are a total of 20-Clientes pending at XXXX per check. 
The account was closed with over XXXX in the account and the rest was NOT sent to the clients nor did we get the payments either. 

Furthermore, we had XXXX in the personal account, XXXX in another business account, and XXXX in another business account. 

Wells Fargo closed the accounts, charged me fees, and then send me a check for XXXX from the savings account I had with them. 

When I tried to work it out with the bank, they indicated to me that I needed to speak to the branch. The branch at the time was closed due to COVID and the new manager at a different branch was not able to assist me other than sending my documentation to the fraud teams. Nothing has been done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
It is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( ( ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). XXXX XXXX XXXX XXXX has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002. 
This is proof of discrimination!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX as a US Department of HHS covered entity improperly shared information with a third party about my medical/dental debt and services to ( XXXX XXXX XXXX XXXX XXXX XXXX regarding XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX XXXX  XXXX notice to customers is attached. 

FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The account can not and has not been validated nor the original contract provided legally without violating XXXX. My previous disputes with the XXXX ( XXXX, Equifax, and XXXX ) have been ignored to date. 

Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts supporting reporting the continued unlawful reporting of private consumer information. 

The account has not been validated after request and no XXXX release has been provided to me for any of the medical debt and reporting of dental services. The XXXX privacy rule requires a " business associate '' ( collection agency or billing firm ) to reasonably limit the amount of information disclosed for such purposes to the minimum necessary as well as to abide by reasonable requests for confidential communications. XXXX XXXX the Privacy Rule requires an Associate to enter into a partner contract containing specific requirements with an Associate prior to the disclosure of XXXX, as set forth in, but not limited to, Title 45, 164.502 ( e ) and 164.504 ( e ) of the Code of Federal Regulations ( XXXX ). 

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of title 15, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, XXXX said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
US Bank Reliacard is intentionally and knowingly depriving me of my right to access my money. They are doing this SOLELY to retaliate against me for filing a CFPB Complaint about their willful violations. 

They unexpectedly froze my card on XX/XX/2020 to retaliate. They demanded excessive documents claiming they need it to evaluate my eligibility for unemployment. That is the job of the Texas Workforce Commission, who is trying to get the money back from Reliacard to deposit into my personal checking account elsewhere.

Nevertheless, I sent all requested documents, and the fax was confirmed received. I also emailed it to the executive office and demanded my money. For my security and privacy, I won't attach the documents to this complaint because it includes my social security card. 


Despite having all requested documents ( plus more, as I included my Id card to explain the confidential address on my driver 's license as a XXXX XXXX survivor ), US Bank Reliacard continues to deprive me of the money in my account, {$410.00}. They won't even come with the request to return the deposit by the known remitter of the funds. US Bank Reliacard.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: MO
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 am a victim of identity theft. My personal information was used without my consent or knowledge. I have disputed the incorrect items with the credit bureaus and the creditors. Neither have ever shown, or sent me any proof that these were mine, no contracts or signatures. The items I want removed for fraud are XXXX XXXX XXXX XXXX XXXXcct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX ( acct # XXXX ) and 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 explanation
Consumer complaint received 2017-06-08
Company: EQUIFAX, INC.
State: IN
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 requested that  three  accounts that has been added to my  XXXX   XXXX  and Equifax credit be removed as that do n't belong to me.  XXXX  credit has removed the bogus accounts but  XXXX   XXXX  and Equifax says per their investigation the information will remains and is verified to be accurate. I have never went to  XXXX   XXXX   XXXX  for anything and the collection agency says it 's back from  XXXX . So something I have no knowledge of that happen in  XXXX  is still on my credit that 's unrealistic. The following accounts are on my Equifax and  XXXX   XXXX  and they should be removed immediately :   XXXX   XXXX     {$800.00}   XXXX   XXXX     {$1700.00}   XXXX   XXXX   {$800.00} I have requested that these items be removed each month since  XXXX   XXXX  and each month I get a letter stating that items remain as has been verified, but noway could it be verified because I never have been to   XXXX   XXXX   XXXX   for any services EVER ... ....     Please remove items as they are ruining my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2018-10-16
Company: U.S. BANCORP
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I did get behind on my payments never heard anything from them till I got a letter from there lawyer I tried to call to see what I could do and the guy said nothing they want all the money or nothing I asked about getting help and he said you want the papers I said yes and he hung up on me I have contacted a lawyer and she XXXX try to call on my behalf and they hung up on her I waited and waited for the papers it took 3 weeks to get and still havent heard from them about help

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 2021-10-30
Company: Designed Receivable Solutions, Inc.
State: CA
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, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on DESGN REC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: BBVA FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XXXX XXXX 2017 there was two trial deposits from SIMPLE to link my accounts together so I can do a transfer from my external account SIMPLE ( which is still handle by the same bank ) to pay the overdrawn amount of {$9.00}. My external account SIMPLE is partnered with BBVA Compass Bank ( which is the same bank I am having an issue with that handles my other BBVA Compass Bank checking account. ) The trial deposits were sent from SIMPLE and when they attempted to get the trial deposits back on XXXX XXXX 2017 that is when BBVA Compass Bank that holds my other checking account charged me a NSF fee. The whole purpose was to make a transfer to pay the overdrawn {$9.00}. The trial deposits amounts {$0.00} & {$0.00}, NSF Fee {$38.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Experian Information Solutions Inc.
State: IN
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent a certified return receipt letter to XXXX XXXX XXXX XXXX with validation of loan and competent evidence bearing my signature, showing I had ( or ever had ) some contractural obligation to pay for a vehicle loan and disputed the account for accuracy. The letter was signed for by XXXX XXXX on XX/XX/XXXX.
OnXX/XX/XXXX, I received a letter from the Credit Bureau Team of XXXX XXXX XXXX XXXX stating the have confirmed that XXXX XXXX XXXX XXXX is reporting correctly. XXXX XXXX " verified '' with out showing my signature nor providing information on who conducted the verification of the account. OnXX/XX/XXXX, I sent a letter stating, " Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for onXX/XX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. '' Today,XX/XX/XXXX, I  received an updated credit report from Experian showing that I disputed the account and the Credit Bureau continues to " validate '' the account well after the 30 day period of non-compliance of XXXX XXXX XXXX XXXX as to the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ).

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 2021-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, I noticed two fraudulent transactions on my credit card the morning of XX/XX/XXXX - one from XXXX for {$380.00} and one from XXXX. I immediately called the customer service line to report the transaction. They opened an investigation for both transactions and closed my account. 

On the phone I told them that the person who used my credit card also used my email to file the order for XXXX and that if they recommended it I could just cancel my order from XXXX. They said I should do that so I ended up canceling that order. The XXXX order however I could not cancel. 

A couple days later the XXXX order showed up at my door. I immediately called their customer service line, explained the situation and they asked that I return the item to my XXXX  store. I informed them that I did not have the receipt but they told me that I should return the item and XXXX should know what to do. They told me that I should send them the proof at a PO Box address. When I went to XXXX, the manager was not sure how to best handle the situation. He just took the item back and gave me a piece of paper with his & someone who worked in Loss prevention as well as stating that I returned the item with his signature. He also refunded me {$5.00} since he could not do a {$0.00} refund. I mailed them all the proof and figured that would be the end of the situation but it wasn't. 

A few weeks later I get a letter in the mail saying my claim has been rejected since the " item was delivered to my address ''. I called customer service again and explained the situation. They reopened an investigation to come to the same conclusion. 

It has been months since the fraudulent transaction and they refuse to look at their call records or coordinate with other internal teams. I am now stuck paying almost {$400.00} for a TV I never bought and don't even have. After years of being a customer this has caused me to look elsewhere and begin the process of canceling my credit card.

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 2017-06-05
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have it in writing that after spending  XXXX  dollars in 3 months, that my annual fee will be waived.     I have this promise by  XXXX  and  XXXX  and it is documented also.     I called in at  XXXX  and was told not  one  thing is in the notes by  XXXX  on  XXXX  at  XXXX  and she was also so rude and even said there are so many notes on your account and you call in all the time like I have no right to be helped.     She told me to I had to go and pull the letter for proof to her and was so rude and said I needed a date as she did not wish to go through all of my notes. She basically poked fun of me in many ways and when I asked her to talk slower, she had an attitude all the way.     I then was forced to call back and the offer is noted on my account effective  XXXX   XXXX .     Please look into this on the rudeness of  XXXX  please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Navient Solutions, LLC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I did not contact Navient because I've dealt with them before and they don't respond in a timely manner, so I came directly here. They are reporting my student loans as being 180 days past due, although the Biden Administration had/has a pause on student loan repayment until XX/XX/2022! How the XXXX is this even possible for them to erroneously report this over the past few months to the credit reporting agencies!!!??? Not only that, but it has plummeted my freaking score due to them being under a rock, and obviously not doing what they are supposed to?! Still messing up people 's lives although they've been sued in the past, which I will also be looking into a class-action suit as this has affected me greatly! Please help!

Company response to consumer: Closed with explanation