BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-12-09
Company: Navient Solutions, LLC.
State: VA
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:
XX/XX/XXXX, I requested forbearance until XX/XX/2016 because my loans were being consolidated. At the time, I was not aware that I had XXXX private loans from navient, who failed to mention this in the many conversations that went on between myself and the operators. I also hold my guardian responsible, because she failed to tell me that she used my information to apply for these loans to get keep me at school. They failed to mention that from the moment I received the loans that interest was building on them, even while I was in school. Although I do pay my loans, Navient has done nothing but make my life stressful. Since then I have been lied to and harassed regarding my private loans. In XX/XX/XXXX I made three payments to the company, XX/XX/XXXX for {$350.00}, XX/XX/XXXX for {$270.00}, and XXXX for {$270.00}. Despite making several payments, I have since been harassed about late payments. I have had to speak to XXXX escalated account managers and each time a new piece of information is revealed.One of the managers even tried to pry into my personal life regarding myself and the cosigners relationship and even after I would not tell her anything she continued to pry and I had to disconnect the call. It seems like the company is purposely neglecting to change my account status as I receive at least six calls a day from different numbers telling my my account is past due. I have requested this be fixed twice already and it has not been done. I consolidated my federal loans and I am being told that I still owe on those. The payments I made went to federal loans, and instead of someone looking into this, they call me to tell I still owe money, despite my account showing that I paid. I had to request management so that someone could take a further look. I received a letter stating that I overpaid and even after that, I still am receiving calls that I have late payments due. I received a check for the over payment, despite telling the escalation manager that I would like the money to go to the next month balance. Navient has been extremely unprofessional, careless and neglectful in this entire process. On the eighth, i received a letter that my account is Delinquent. My next payment is not due until XX/XX/XXXX, which was to be paid with the over payment check I now possess. I fell powerless in this process and all they continue to do is take my money!! I ahve tried to resolve these matters several time directly with navient but it is not working. I dread the calls. I work at night and my phone is ringing constantly while I am trying to sleep. I have a family and so I keep my ringer loud in the event one of my children need assistance or there is an emergency. However, Navient constantly calls my phone disrupting my sleep and my life! This company is terrible and needs to dismantled!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
There are  XXXX  wide ranges of credit worthiness, with Transunion varying almost  XXXX  points.  XXXX  shows "  Good '' while Transunion shows " Fair  '', dispite both having the same information. My derogatory credit goes back as far as  XXXX . I have disputed every derogatory remark, with results of removal from record. However they still posted on report.     Here is where the conflict occurs. My credit history has been resto red after over 8 years, yet credit history report reflect  s 4  yrs. and 10 months. Why are negative reports going back to  XXXX  still showing after ov er 20  yrs.!?     Any inquiries that have been resolved and proven paid, still show on payment records.     XXXX   XXXX   XXXX   XXXX  :  XXXX  incurred, paid in  XXXX . Finally acknowledged and disputed in  XXXX  and determined paid, only after requesting  XXXX  send paid verification back in  XXXX ?    XXXX   XXXX  : Initially with   XXXX   XXXX  , then sold to  XXXX , Settled with Deed in Lieu, sol d 2 m ore times to other companies, each time moving time of incurrsion at the date of transfer to other company ( ie.  XXXX ,  XXXX   XXXX   ).      This Debts all " removed ' and inquiry completed and removed with {$0.00} liability. Yet negative reports go as far back as  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 non-monetary relief
Consumer complaint received 2021-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I had a capital account for over 15 years, in which I almost never missed a payment. 
This XXXX, after paying more than the minimum due, I wanted to cover additional amount, in addition to my initial payment. 
The problem was that I didn't have online access to my account, and couldn't exactly when amounts were credited to my account. 
I twice made payments, but shorty before the funds were creidted to my capital one bank account, so eventually, they weren't credited to my capital one credit card account. 
A few days later I made a payment of my full balance of around {$10000.00}. 

Yet when trying to use my account, I wasn't able. Only when calling capital one I found out that they closed my account unilaterly after 15 years that I never missed a payment, because of those two ADDITIONAL payments I tried to make ( in addition to an additional payment years before that didn't go through. 
This unilateral action after 15 years without missing a payment really got me stuck in the middle of travel with no credit card, and they couldn't due anything about it. 

I hope you can correct this situation, and make sure that Capital One would not due this to its other loyal customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In the past, I have requested the assignment of qualified, professional, and knowledgeable single point of contact ( SPOC ) be the Bank of America Customer Relationship Manager ( CRM ) assigned CRM/SPOC and that the individual SPOC, the SPOC 's unit, and the SPOC 's supervisor be bona fide Bank of America employees who actually are available for person-to-person telephone contact to communicate the current home loan mortgage account status, activity, decisions, documents and documentation during normal business hours and days. While there have been a multitude of SPOCs assigned to gather, organize, and disseminate account documents and information and be current on account activity and status, not a single one has been able to preform their duties as required per the National Mortgage Settlement ( XXXX ), RESPA enforced by Regulations Sand Z, and California Civil Codes XXXX and other applicable law, agreements and settlements that dictates how the single point of contact is to execute their duties and interact with the borrower. I know this because I have never been informed by any SPOC of the fact I was approved for a MHA HAMP and was directed to be placed in a MHA HAMP TPP as early as XXXX 2012 by the Bank of America Appeals Department upon completion of an appeal or other escalated case.

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 2017-02-06
Company: Colony Brands, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company Seventh Avenue had charged me {$20.00} for a shipping charge. I had placed an order with the company in XXXX. I ordered XXXX pair of curtains. Remind you that I had to pay for the shipping and handling before they would send the merchandise to my address. I received the merchandise and did not like the them at all. I let the company know that I was unsatisfied with the merchandise and wanted to return them back to the company. They wanted me to print out a returned shipping label and send it back and I did. Later they sent me a notice to pay them a shipping fee charge. I did n't understand why because I felt like it was unfair. I paid to get it shipped out and they let me print out a no charge shipping label to return it back to the company, which I thought was fair. I did n't get anything else for them. Now they have this shipping charge fee on my credit report as negative, charged off {$20.00} written off {$20.00}, past due as of XX/XX/XXXX. This is not right at all. I had written to this company about I am disputing this item and wanted them to prove it by validating this account with documentation bearing my signature. They responded by saying I had nothing to dispute. After 30 days, they never put the disputed by consumer onto my credit report. They broke the law. I want this entry deleted. I had written a letter to them about settling this account in exchange to delete the negative remarks from my files. They never responded back. I had also written letters to XXXX XXXX, XXXX and XXXX to investigate the entry on my credit report and they responded by saying the company validated the account was mine. They also never put the disputed by consumer on my report either. They did not verify the company properly because I wanted copies from the company bearing my signature associate with the account that I owe the money to them. Seventh Avenue have completely avoided me and my letters and they have broken the FCRA law. I wanted to pay the {$20.00} in exchange for them to remove the negative remarks, now I am willing to go to small claim court against the company. I will be seeking {$5000.00} in damages for 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA. Very serious and willing to make that move if this entry is not deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-05-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo recently closed a XXXX XXXX  personal checking account of mine without notice or explanation. I have had the XXXX XXXX  account since I was a teenager in XXXX. Since that time, it has been in my name and my grandmother 's and used to transfer money occasionally between the two of us. On XX/XX/XXXX I received a message that this account was closed on XX/XX/XXXX. The message did not include an explanation or a means to reopen the account. In XXXX, Wells Fargo had tried to close an Everyday Checking account of mine that had been inactive, but explained that I could reopen it with account activity and so I brought it into compliance immediately. In this case, Wells Fargo did not give me that option or explain to me why it had closed the account. This was a shock. I called Wells Fargo on XX/XX/XXXX and complained to a representative who transferred me to a level 2 specialist who submitted an internal complaint on my behalf and who explained that the account was not able to be reopened. The representative was also not able to give me satisfactory explanation as to why the account was closed- they had attempted to say the account was closed due to being negative as a result of an overdraft. However, that was false - although I did overdraft in XXXX due to accidentally giving the wrong account number as a method of payment, the overdraft amount was borrowed from my Wells Fargo credit card and I immediately replenished that amount plus the fee. She then tried to say that it was due to inactivity, which didn't make any sense because I often leave this account inactive over the 25+ years that I've had it. I also do not believe that anything in my original customer agreement with Wachovia ( the originator of the account before they merged with Wells Fargo ) allows for the bank to close the account due to inactivity. She also attempted to say that Wells Fargo had sent me communication about the account closure prior to the actual closure - that is simply not true. There is no record of the communication in the Wells Fargo Message Center where they have sent me other similar messages about account inactivity, etc. The complaint number she gave me was XXXX. I do not expect a reply from the internal complaint and due to Wells Fargo 's history of nefarious practices with account closures, I am submitting this complaint to CFPB to inform CFPB that Wells Fargo is still up to its old tricks.

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 2016-04-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery has continued to collect a debt that does not belong to me. I have asked for verification of debt a twice with no response. They have also contacted my family members about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CFPB Complaint No. XXXX was submitted and an NCA attachment was provided in response, however the response can not be accessed by the consumer. 

-- - I was notified by National Credit Adjusters , LLC that an owed balance of {$300.00} was placed in collections for a XXXX XXXX loan that is more than seven years old. I was not formally been notified about the debt, prior to the call or prior to the debt being placed in collections. It was not identified if these people own the debt or are a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient put me on a interest reduction program. Once I was put on the interest reduction program they would forgive my loans after 5 years. After a year I had to go through a whole financial statement again. That the 5 year forgiveness program was not true. Every time I talked to them they would send me over to someone that had no idea what was going on with my student loan. The notes that they had on their end was never correct and would never have the person I talked to last in my file. The last person I talked to was going to look into my account as to why the program I was on shows that the amount should of been less and I never have heard from anyone since. I 've asked to have forms sent to me to show what I have paid on my loans and I have not received anything yet. I am just paying for them and nothing is going down. The interest rate is crazy and it keeps getting higher. 

They call me about 5 times a day and one time I had a voicemail threaten me that I need to call them back or they would find me. That some something that a person that has gone to school for and trying to get a job should not have to go through. Graduating at the time i did and the economy crashed was very difficult. 
They are not easy people to talk to! When I called I was put on hold for about 45 minutes before someone was finally on the phone with me. They had to transfer me to 4 different department and tell them all my information again. 
I have been paying my loans for 4 years on this program and my credit is so bad. I have asked to see what I can do to fix my credit and no one was able to help me. I ca n't even go on with my life and buy a house because my credit is so bad. Going to college and further my education was suppose to help me in my future and I am failing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: ARVEST BANK GROUP, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a house mortgage with Arvest Central Mortgage. I have my escrow account with them as well. Now last year my house loan was sold by previous lender to Arvest Central Mortgage along with the escrow account. Now I would like to remove the escrow, so I reached out to Arvest and they are saying that I'll have to pay 0.25 % fees of outstanding principal amount. Which is very unusual, unfair, and not standard practice. Usually if the home owner has put 20 % down payment then usually I have never seen another bank/lender asking any fees for removing a escrow. Also, my previous lender told me that when you remove escrow you will not be charged any fees with this new Arvest Mortgage lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: MA
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 created a police report today XX/XX/2022 which I have uploaded to this website to dispute a loan that is being reported as paid each month under my name. I learned about this loan under my name when I decided to log into XXXX and get a copy of my credit report. This doesnt make any sense and it should be removed from my credit report. I made an identity theft claim and I told the police that I do not know why this loan is being reported as paid under my name every month. The specific account that Im disputing with XXXX and the Consumer Protection Bureau is a loan called U.S. Dept of ED/XXXX in the amount of {$41000.00} and the account number is XXXX. This is suspicious activity and I want the police to investigate it. Why is this loan being reported as paid every month under my name when I dont even know what this is? I called XXXX this morning to confirm that I can upload a copy of the police report to the email that I received confirming that my claim is being investigated. Ive attached a copy of my passport, Social Security Card and a Bank statement with my Address on it. Please remove this loan of my credit report. I have proof that this is identity theft because why is this loan being reported as paid every month if I dont even know what it is? Alright, Im going to mail in these documents also so that you guys have a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out this HIGH ( extremely high and unlawful ) loan@ 65.02 % (! ) APR in XXXX of XXXX. 
I am on XXXX XXXXXXXX and do not work anymore since XXXX of XXXX. 
I was receiving {$7600.00} per month up until XXXX of this year from 3 insurance companies. At which time one of them stopped paying me and my monthly benefits became less by {$3900.00} down to {$3600.00} per month. 
I have been contacting NetCredit since that time and asked them ( after explaining what happened ) to help me with lowering payments and interest rate till I resolve my situation. 
NetCredit refused to cooperate with me, they refused to make payments and interest rate lower. They kept telling me that my account is NOT delinquent enough for them to consider helping me. I kept calling and calling and calling- they refused to help. Today they reported my account late to the credit bureau 's. My score dropped by more than 33 points as a result. I called them today they offered to have payments reduced in half for next 6 months but they also stated that they will be reporting late to all the bureaus through out this time even when I make 1/2 payments that they offered to me.

I am asking for CFPB to interfere and stop this madness!!! They shall not be allowed to charge such a high rate APR and not to cooperate with customers in the hardship. They are also shall not be allowed to keep stating I am late if I will be making monthly payments offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
This debit has been wrote off my credit going on 6 years then out of the blue they contact a family member giving him account information and personal data ... this individual family member has no idea what they are talking about nor is this matter even a concern of his I feel like they have violated my privacy act not to give out any personal info to an outside party ... I believe they have broke the law

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I reached out to XXXX XXXX XXXX a number of times explaining that my credit file should have been on deferment due to myself being XXXX, I was born XXXX and have been receiving social security XXXX since birth. My credit shows late payments which is damaging to my credit dated XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX on all 3 bureaus, I am only asking in good faith to remove the late payments off of my credit as I pursue to better my credit and life. Thank you

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