BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-05
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I received my latest statement from Navient ; XXXX XXXX XXXX, XXXX, PA XXXX on XXXX XXXX, 2020. They said they had not received my payment for XXXX, due XX/XX/2020. However, I photograph my check, the statement and the properly stamped, addressed envelop. I mailed it on XX/XX/2020. This has been an on-going battle with Navient. It could be the USPS also. This is why I photograph everything. I refuse to pay late fees due to the malfeasance of the USPS or the chicanery of Navient. They have not made any concessions during the Trump Pandemic and XXXX XXXX election rigging. Navient is preying on it's consumers and not crediting my account. I have paid every payment on-time. I have made over-payments every time. Please investigate this matter. I sent my payment on time!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-05
Company: CITIBANK, N.A.
State: VT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Macy 's closed my account ending in XXXX and transfered the balance to a new account ending in XXXX. They increased my account from XXXX to XXXX, XXXX with out my approval. 
I want my original account to be open.

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 2021-01-05
Company: Comerica
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
We have over 90 unauthorized chargers on our USDirect Express Social Security debit card statement for a total amount of what appears to be {$730.00} dollars with 59 chargers in XXXX over a 9 day period & 37 chargers in XXXX over 2 days. All of the chargers were made to 9 XXXX accounts. USDirect Express Operator we spoke to says they can not issue any credit for these chargers. Direct Express says that we would have to get XXXX to reverse these chargers. We did fill an unauthorized charge claim with XXXX on there web site, but it was denied. & we have not been able to speak with a live person At this point we are filing a police report to send a copy to US Direct Express to see if this will help keep our claim open. When you have the opportunity to look at the chargers on the Direct Express statement the first thing you will notice is the pattern of dates, times & sites that were chartered. Please let us know what else we can do to recover this money. This is a bad situation for my family as we or on a fixed income but is also for other people. After an internet search trying to find information on the XXXX suites that had ran unauthorized chargers on our card it appears that many people are having the same issue with chargers & XXXX and getting their money back. 
.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-05
Company: EQUIFAX, 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:
On XXXX, 2019, I have found multiple student loan accounts that I have never used being reported on my personal credit report. XXXX, Equifax and XXXX XXXX were reporting identical fraudulent student loans on my credit report. 
After submitting identity theft report and a police report to remove false accounts from my credit report, XXXX  managed to remove all accounts except one, and XXXX XXXX removed all of fraudulent student loan accounts. 
But, Equifax is not removing any of fraudulent accounts from my credit report. I am certain that XXXX XXXX and XXXX  found accounts to be fraudulent accounts, so they have removed and block all of fraudulent accounts. I do not understand how Equifax is only agency found these false accounts to be correct accounts that are mine. 
I have requested many times to validate these accounts by providing hard copies that prove that accounts are mine, but Equifax and student loan provider are not validating these accounts ' authenticity. 
Accounts that were involved with identity theft crime are listed below. 

DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Due to COVID 19 I am currently based outside the US and I am based in XXXX. I need to make Bill Payments for my financial commitments in the US via Wells Fargo Bill Pay.

Since I am outside the USA, I don't have a US Cell phone number and I have been asked by Wells Fargo Online to confirm my identify when I tried to add bill payer XXXX XXXX XXXX XXXX to my Wells Fargo Online profile.

I have spoken to Wells Fargo Online about this matter on several occasions and nothing has progressed on this matter.

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 2016-01-06
Company: Stanislaus Credit Control Service, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Not sure when debt occurred now on my credit report as in collections for {$210.00} have no info were or whom to pay the debt to other than Stanislaus credit control.

Company response to consumer: Closed
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: AZ
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 was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with XXXX & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these items. Here is the list of information I need removed/blocked from my credit reports : inquiries : XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX .The account : XXXX XXXX Balance Owed : {$11000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
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:
Under The Fair Credit Reporting Act : XXXX AND TRANSUNION furnish false/inaccurate/unverified accounts against my wishes, namely : XXXX  # XXXX, XXXX  # XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXt # XXXX XXXX and Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX All of these unknown accounts has violated my rights and cause me injury and damages. In addition, 15 USC 1681 section 602 A, states a consumer reporting agency can not furnish an account without consumer 's 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 2018-12-03
Company: Avadyne Health Holdings, Inc
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Il XXXX On XX/XX/2018 XXXX XXXX XXXX send me a letter I owe them XXXX ... ..So send them a letter on XX/XX/2018 saying I have no knowldge of this debt before 30 days after there letter was send out ... .180 days later the debt was reporting on cedit report that I owe XXXX which is the wrong amount ... ... Now on XX/XX/82018 I send a dispute letter to them on what I seen on my credit report 45 days no reply ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: CITIBANK, N.A.
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:
I am responding to request for feedback regarding ID XXXX - XXXX for I could not get your web site to function. This edited letter was sent to Citi Bank on XX/XX/XXXX : Note to CFP difficult to read. What does " Citibank can attempt to obtain a credit on your behalf by returned the charge to the merchant 's bank : however ... '' even mean? Documentation of our canceled flight on XX/XX/XXXX and flights for the foreseeable future has been sent to you many times. Is there a marketable item such as a non refundable ticket for a non existent flight? Additionally, because we disagreed with your resolution, you apparently reported us to XXXX, XXXX  and XXXX  even though all disputed funds were extracted through " autopay '', completely at your discretion, from our personal checking account. What senseless bullying - hardly reflective of a respected financial institution. 
Hoping for some comprehensive resolution here, 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 2022-03-23
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-08
Company: Ocwen Financial Corporation
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX my mortgage under XXXX and suddenly change to XXXX till XXXX, due to resessions and difficulty of business income, i got hard time to pay my mortgage, I applied modification and approved with the amount of {$2800.00}. I was in 3 months trial payments, on the 3rd months XXXX refused my payments coz my mortgage is no longer with them and was endoresed to Ocwen, I called Ocwen for my 3rd payments and was n't able to accept payment due to non documents in their system. I kept calling and waited for several months and I finally received statement back to my original payment. I could n't make the payment till I got Foreclosure via XXXX Bank. 
XXXX XXXX XXXX promised to save my house which I paid {$2500.00} as their service fee by XXXX XXXX XXXX which is later find out Scam. 
I continuedly saving my house to apply Modification directly to Ocwen. While modification is on going XXXX Bank keep fighting to foreclose my house.XXXX Bank filled a motion to sell my house without open house and the court granted while my modification is on going. I called Ocwen what is going on then ask me to submit some documents and scheduled me to a phone call which they failed to call me. I received a motion for selling my property without open house. XXXX scheduled to sell my property without open house in XXXX XXXX, XXXX. I received a denied letter from Ocwen after the selling date. I filed bankruptcy chapter XXXX to save my house and paid {$1800.00} XXXX = {$3600.00}. A week after my relation officer called me if I want to save house and I said of course. Again ask me re-do some documents which I did. Ocwen approved my modification too high as much as my original loan payments after I filed Bunkruptcy chapter XXXX. I did not accept their offer because too high and ca n't afford due to difficulties and changes of income. 
I want to know also why XXXX Bank is foreclosing or selling my property while modification was on going? 
Please I need help what is going on and need help to lower my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My bank account was locked. The bank is telling me it has to do with the " Patriot Act '' ( a quick XXXX search say this has to do with terrorism ). They required me to send in a picture of my photo id, which doesn't even seem safe since so many people make fake IDs anyways. They say my account will be locked for 3 business days and I will have NO access to my money. I can not buy diapers for my child, milk for my child, gas to get to work. The money that I worked for. They will not give me any other explanation as to why. I was never notified or asked for a copy of my ID prior to them locking my account. To the already struggling American population this puts such a burden on my family as my card was declined at the grocery store trying to buy necessities for my family. No one can/will give me a better answer other than " oh well ''. This seems 100 % unacceptable. A notification should have been sent via e-mail/text ( they say it was mailed but that would take 7-10 days to even reach me! ). I can not believe this is how Veterans are being treated by an organization that prides themselves on supporting Military, Veterans and Family. There has to have been a better way to handle this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
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 am respectfully requesting the Credit Boroughs in accordance with The Fair Credit Reporting Act, please correct and update their records to reflect my correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have sent numerous letters to Hunter Warfield asking them to validate the debt. While I was still awaiting them to validate the debt, I received numerous calls from their office to my cell phone. Mind you, I have never had any business with them and have never given them my cell phone number or work number, let alone given them permission to call either of the XXXX. The problem I am having is misrepresentation on my credit report. For the last XXXX6 months, they have changed the original amount on my credit reports. How does the original amount change? This is inaccurate reporting and therefore they must remove this from my credit report. After disputing this several times with the credit bureaus, they continue to verify this information with XXXX but not with me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Chase Bank Has literally given me the chase. I have been trying to go through modification and now sale payoff with this bank for almost a year. If they would have given us a loan modification back in 2010, we would ot have such a high balance on our loan, They are forceing us into forclosure.In 2010 with the help of HUD we applied for a modification after being turned down for a refinance from an ARM to a fixed rate with perfect credit score. They have given us the run around ever since. They told us to stop making payments for XXXX days and we would be able to apply for a lower intrest rate loan throught their mod process, so XXXX years later we still find the lies and the run around. They are forceing us itnto forclosure. They are trying to get us to just give up. we have been now in contact with the executive office and are still recieving misinformation peolpe can not take notes properly and can not help with the process. This office has become just aother layer in the chase for someone to do somethig to help the homeowner.After speaking with an Exec office person, the answer was of nothing that was asked.None of the questions that were asked were answered.Phone calls not returned even supervisors ca n't return phone calls. This madnes has affected our familylife for far to long. Can someone please help stop the madness.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX, I received an escrow analysis from Ocwen which indicated an escrow shortage. I paid the full amount identified as the escrow shortage. Yet, Ocwen raised my mortgage payment -- applying the additional amount to Escrow because I only paid the amount they indicated as the shortage. 

E-mail correspondence with Ocwen is available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Specialized Loan Servicing Holdings LLC
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: Account status incorrect

Complaint:
Specialized Loan Servicing requested a baloon payment in XX/XX/2021 of my HELOC 2nd mortgage without any notice of this action before nor after this date. I was still in Bankruptcy during this time and I was continuing payment on the interest-only monthly payment per agreement on this HELOC. When my BK was discharged in XX/XX/2021, I found out SLS reported a late payment on the same month as a result of the baloon payment requested in XX/XX/2021. I am therefore disputing the late payment charge being reported by SLS to the credit reporting bureaus. This derogatory information should not be appearing on my credit report.

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 2022-03-23
Company: ID Analytics, Inc.
State: GA
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 have had a problem with identity theft and the account 's being opened fraudulently unauthorized by myself I have disputed such inquiries with XXXX expressing my concern pf the amount of inquiries that has been made within the last 11 months the total increase is XXXX increase in 11 months and despite XXXX XXXX XXXX removing such unautherizrd inquires XXXX  refuses to remove inquiries lowering my credit score greatly and Making it extremely difficult for me to find employment employment because of my low credit score and amount of inquiries amount of inquiries that has been made in such a short period of time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: LEXISNEXIS
State: GA
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 have had a problem with identity theft and the account 's being opened fraudulently unauthorized by myself I have disputed such inquiries with XXXX expressing my concern pf the amount of inquiries that has been made within the last 11 months the total increase is XXXX increase in 11 months and despite XXXX XXXX XXXX removing such unautherizrd inquires XXXX  refuses to remove inquiries lowering my credit score greatly and Making it extremely difficult for me to find employment employment because of my low credit score and amount of inquiries amount of inquiries that has been made in such a short period of time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: EQUIFAX, INC.
State: SC
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:
As of this morning XXXX accounts were deleted from my Equifax report that I had disputed. Then later in the day they were added back on. Since then my credit has dropped and started the aging on those older accounts all over again! As laws go, the Fair Credit Reporting Act ( FCRA ) If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they cant put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Early Warning Services, LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I paid for concert tickets online using Zelle and then they blocked me and didnt send me the tickets. I tried to dispute with XXXX, Zelle, and my bank.

Company response to consumer: Closed with explanation