BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-24
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Hi, I applied for student loans in XXXX of 2008 to start classes at university XXXX. I proceeded to go on for 2 years applying for loan after loan to cover the cost of the school. After I graduated with a degree in XXXX ( which does n't account for anything ) Navient started right away with the phone calls about repaying the loans. I have been back and forth with them about forbearance and income driven repayment plans. I keep calling and trying to talk to someone and they give me the run around about how to go about affording something other than {$500.00} a month. So now I have a degree ( that 's probably as good as working at XXXX ) that got me no where and {$33000.00} in student loan debt. If you are here for your costumers then prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted a previous complaint approximately 2 weeks ago against Bank of America and there unethical tactics. 
After I filed a complaint # XXXX, I received a Certified letter ( the following week ) from Bank of America on XXXX/XXXX/2016 stating my mortgage was 2 months behind, and that is a lie!!!! Currently, I 'm seeking legal advice from an attorney against Bank of America. This is unprofessional, unethical and morally wrong against someone that pays there mortgage every month!! This seems like retaliation.

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 2021-03-18
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: Account status incorrect

Complaint:
Rentdebt should not be reporting to Equifax ; XXXX and XXXX  a collection/chargeoff in the amount of {$450.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I never received any notification of this debt. Once I saw that this account was reporting negatively on my credit report I immediately contacted XXXX to discuss this. They refused to assist me in removing this false collection that was reporting on my credit report. I was never notified by telephone and/or email that there was an issue. The original creditor, XXXX XXXXXXXX never sent any notification either for any remaining balance due. I was the co-signer on a rental property for my son. His lease ended and he moved out per the rental agreement. There were no issues we were aware of. XXXX has no information regarding this and instead of working with me and explaining to me what this debt was for they sent it off to collections. This false reporting of a collection/chargeoff is seriously harming my credit score and this item needs to be removed. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus as well as XXXX  and XXXX XXXXXXXX to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX, and TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity of the account XXXX XXXX XXXX XXXX : {$66.00}. I believe it was reporting 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 2022-10-13
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to prior problems I setup AUTO pay with Freedom Mortgage. Every XXXX of month they ACH deduct my mortgage from my account. My XX/XX/2022 payment was deducted as usual. On XX/XX/2022 i received a credit back from Freedom Mortgage for the amount of the payment ( although it took time to research who it was ). I could not contact the company via website or phone, there sytem was busy and my login for the website said my loan servicing had been transferred. 

I never received any letter stating this would happen. And it was not on the website as of me investigating as of XXXX. I left several messages no answer. 

Subsequently i starting recieiving debt collecting calls from XXXXXXXX XXXX. I refused the first thinking it was fraud. I spent multiple hours on the phone " verify '' information. The tone of the calls was I didnt pay my mortgage when i had. 
Freedom mortgages letter states it would foward any payments after XX/XX/XXXX. But my payment was XX/XX/XXXX. It was sent back to me. 

Freedom mortgage didnt inform me of the transfer, it violated its own letter by sending the money back to me earlier than the later stated. This whole situation took many valuable hours as I work nights in healthcare. 
XXXX says they are hearing many complaints about Freedom with the same basic information. Freedom is not informing customers of changes in a timely fashion and RETURNING legal payments they have after they have cleared for days. 

XXXX has me down as late paying, even though Freedom processed the payment. And it will take weeks to be ashured i wont have a mark on my credit. 
People who pay their bills ontime shouldnt have to spend hours on the phone to research where there mortgage is sold to. And have to deal with the Former company witholding and diverting payments after made, and treat the people who paid ON TIME as if they didnt. Money was removed from bank on XXXX, it cleared then on XX/XX/XXXX a ACH was sent back to me refunding it. They never notified the new bank that I had paid on XXXX. The new bank XXXX made multiple calls to my work and home. Stating i have not paid my mortgage.

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 2016-07-14
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was notified by XXXX that I had a collection from Diversified Consultants for XXXX for XXXX XXXX XXXX on XXXX XXXX. I contacted the company of Diversified, because XXXX provided their number. On a recorded call, I asked for them to send the letter of debt because I am disputing something I paid years ago. The Supervisor stated they did attempt to call me. I advised I did not receive a letter nor a call. I verified my address with them. She stated she would not send the letter if I was not going to pay the debt. Again, that was a recorded call on XXXX XXXX. I also phoned them on XX/XX/XXXX because they were listed under another name for same account on XXXX. On XXXX XXXX, I called XXXX with the information that was still on my credit report and them refusing to send the information. XXXX rep then stayed on the line as she called diversified for an attempt to gather the information not sent to me. Attached is the copy of the letter sent to arriving XXXX XXXX dated XXXX XXXX when XXXX asked them to send it to me. 
This should never have been on my credit reports. I asked for the documentation and they refused to send it. It is recorded as such. The payment, which is actually incorrect on the balance. First it stated XXXX then it was really XXXX and it was over XXXX when first billed. I split that payment in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I was a victim of an online scam. A company sent me some checks to deposit in my account so that later I could send them to another party. However, three days after the deposit of the checks, the bank says they were returned because they were altered/fictitious and now they are deducting the amount from my account. As soon as I deposited those checks into my account, I transferred them to the other party, so now that they found out the checks are invalid, they are taking my own money. 
Why did it take them so long to verify the checks? In any case, the bank should have not allowed the transaction before they verified the check, not 3 or 5 days after I made the deposit. 
The first check was deposited on XX/XX/XXXX and was returned on XX/XX/XXXX. It was a deposit of {$2000.00}. 
The second check was deposited on XX/XX/XXXX and was returned on XX/XX/XXXX. It was a deposit of {$1500.00}. 
Now I lost a total of {$3500.00} dollars just because my bank, Wells Fargo, doesn't do the appropriate verification before just letting go of any money. 
I already called my bank and they just let me fill out a complain but the representative said probably nothing will happen.

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 2017-02-02
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This Company is still reporting and account on my credit that has been transferred to another agency. This XXXX item is now a duplicate and this company needs to close my account Diversified Consultants , Inc . 
XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: NY
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 finally started to look throughly into my credit report and I noted unauthrized and fraudulent accounts posted on my report. I can't even get a credit card of my own because of this. These accounts opened due to identity theft is hindering and I need this taken care of ASAP, this isnt fair. Attached are my identification documents, verification of address, identity theft report, credit report and a list of the fraudulent accounts that were posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: High Point Asset Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Some company named high point asset management from phone number XXXX keeps calling everyday. I answered one time and I was threatened to be put in jail for not paying a debt ( a debt they could not explain ) if I did not provide them with my debit card number or bank account number to satisfy the debt. The lady advised there was a court order to have me arrested if not paid. I hung up on her. They call everyday, I have my cell phone on auto reject but they leave the same voicemail everyday. Thy never did confirm the debt, they just kept asking for my personal information. I aksed them to mail me a validation of debt and they say " they did '' but I never received anything. Is this legal? And how do I stop it?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: Navient Solutions, LLC.
State: MA
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:
This is the second time this has happened. I successfully reapplied for my Income Based Repayment through XXXX, and thought that I was all set to stay on my Income Based Repayment plan. For a reason unbeknownst to me, I have been removed from that plan and told to reapply, and so my accrued interest has been immediately capitalized, and I have been moved to a flat payment where the payment amount is so high and causes a financial hardship. The first time this happened, in XXXX, the customer service representative put me into forbearance and told me that they never received my income documentation that I had sent. It then took Navient 3 months to get me back on the plan ( original complaint filed XXXX XXXX, finally placed on plan in XXXX XXXX ). This time, I have not been able to speak to customer service, and do not want to go into forbearance, so I will have to make this payment while trying to get back on the plan. But I will have had the interest capitalized, which ads to the hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have 6 loans with Navient I am only able to pay three. The other three I have offered XXXX for each as a good faith effort but they tell I need XXXX. If they lowered the interest to zero then paying low would be affordable but I cant afford to pay what they ask and they dont want to accept anything I have to give they only threaten me with litigation what can I do to solve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Avant Holding Company, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This Avant Card i only had for a few months who ever, the company took my line of credit and has stated it is done to overlimit activity, delinquency accounts, too high loan balance,, all information is on the credit report & the card company is looking at my report from the start of covid-19 pandemic and during that time i lost one job & was only late paying three crediter due to that job a lost withholding a pay check. before covid-19 and now there is no report of late payments.

the loan balance was there when i apply for this card from the use of the cards is due to vehicle was in need of major repairs and im currently recovering from Hurricane Ian. 

all credit cards has always been paid on or before times. 

all remarks is a personal attack on my Character

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was " signed '' up for care credit by a XXXX. I was told it was a credit card with no interest that I could use to help pay for his services. I was not told that if I stopped using his services I would have to continue paying on the credit card even though I was not using it. I used XXXX worth of medical expenses at the XXXX. I had health issues that prevented me from continuing my care with the XXXX. I am still having to pay XXXX for care I never received and I will not use because I have insurance threw my state medicaid. I was not explained any of this by the doctor or his staff or by care credit. This is unethical and a scam.

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 2016-01-20
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
That I have went under some names like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX something like that My name is XXXX XXXX XXXX And there has be fraud under these names and now my name ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX  Balance : {$2900.00} ; XXXX, XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX Balance : {$240.00} ; Medical XXXX Balance : {$160.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$51.00} ; XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$160.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-07
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I was working with our loan company to lower our house payment because they had raised it and we could not afford it. We sent all information, forms and bank statements to them and would not get back to us. It was always very hard to get in touch with our point person. They said they was sending out someone to evaluate the home. No one ever came. We received a letter that they were through with their evaluation and was ready to start foreclosure before sending someone out to our home.

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 2017-01-25
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I only was making XXXX and my payment was {$180.00} then i got married and my wife only makes {$22000.00} and she does not work in the XXXX and she does not collect unemployment and they raised it to {$410.00} i can not make that those monthly payments im borrowing against my credit card to pay and i also have a peaks student loan that i pay {$220.00}. Im not even working in my field. I went to XXXX and i feel that with an XXXX XXXX i feel that my XXXX loans come to approximately {$60000.00}. Im XXXX years old and I am in more debt now than when i went to school. And now that XXXX closed down i Have no resources to get a job. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
They keep calling even after I made payment. Un fair pratices in regards to re-payment options. Very mean and nasty people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America has refused to correct a mistake with my SSN when they took over my loan from XXXX. This has caused me to file incorrect ( overpaid ) Federal Tax returns for several years. They also reclassified the loan from VA to conventional.

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 2022-11-01
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX & XXXX XXXX XXXX Original Creditor : 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 explanation
Consumer complaint received 2022-11-01
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On XX/XX/2022 at XXXX XXXX  PDT, XXXX took {$11000.00} USD due to " PayPals damages caused by Acceptable Use Policy violation ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-01
Company: EQUIFAX, 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:
Personal Information Im requesting to be removed from my credit profile. 
FRAUD ALERT ( information on alert is incorrect and reporting a phone number that doesnt belong to me XXXX. 

Remove Alert. Remove All listed Employers : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Remove listed mailing addresses : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation