BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-18
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I want to read my monthly statements from Navient, but they refuse to send me paper statements, and I find the Navient website to be extremely unhelpful. They pretend to provide monthly statements in digital format but both formats are bad. When I click on " PDF '' I get a .do file which can not be opened on a XXXX computer. When I click on " IMG '' I get a PNG file which puts 3 pages into one miniscule PNG file. When I launch XXXX and place the PNG file, and spend 10 minutes cropping, resizing, and copying and cropping and resizing, I get a 3-page document - the content is blurry. In short, there is no way to get a printed statement, no way to get a digital statement, and no way to talk to a human being, at least on the weekend. I can only work on this on the weekend because I have a day job which does not give me time during XXXX business hours. 
Additionally, when I click on a button on the Navient website, inviting me to " take a survey '', I am directed to a promotional video in which Navient brags about how great they are, which is the opposite of the truth. I wonder if Navient is deliberately making it hard for borrowers to get information ( about their OWN account ) as a way to cover up unscrupulous behavior : inaccurate record-keeping, overcharging, etc. I believe this company should be dissolved and all of their accounts should be transferred to an honest, non-profit, publicly owned loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I just dont get it. original loan with navient is XXXX i owe XXXX i pay every month XXXX XXXX to principal and XXXX to interest. this has been going on for 10 years. how will i ever pay this off. i am getting robbed and no one will help. no one. loan numbers with navient are XXXX XXXX i have submitted a complaint before i recieved a letter from you but no response from navient. there are doing nothing. i feel that i am being robbed and what can i do and at this rate when does the principle go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In approximately XXXX of 2019 I applied for a loan modification from US Bank and they denied it. If we would have been able to get a loan modification we could have rented our property until it the market increased and then sold. The property is work $ XXXX more now than it was 2 years ago. We were denied the loan modification and forced to do a short sale instead of bankruptcy due to my husbands clearance. He had been XXXX  XXXX  from the military ( job loss ) and we had to move out of state for my husband to secure employment and went from a XXXX income family to a XXXX income family since I was a real estate agent and had to start over with my business. We now have a short sale on our record, can not use our VA Loan and have to pay back $ XXXX to ever use a government loan again.

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 2022-05-20
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I received a text message asking me to confirm a {$3500.00}. Zelle payment, from supposedly my XXXX XXXX bank fraud dept. When the I replied that I didnt authorize the transfer, I received a phone call supposedly from my XXXX XXXX bank. The phone number showed up on my caller ID as XXXX XXXX bank. I was then walked through instructions on how to reverse the unauthorized claims. What really happened, though, is that I transferred money directly to the criminals. Since my daily limit was set at {$1000.00}. They were not successful stealing the said {$3500.00} amount. 
As soon as I suspected something was not right I contacted my XXXX XXXX fraud dept., and filed a claim with my bank as well as with Zelle. Upon they're review they both denied my claim. Basically blaming me for being a victim of theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I believe my student loan account under Navient has some student loans on my account that were never disbursed to me from The XXXX College I attended the school on grants but never took out any loans from this school I believe they are on my Navient account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed a collection account from portfolio recovery on my credit report to equifax , they responded that they verified the account, but somehow XXXX could n't verify the account. So who 's wrong? I say equifax , cause as I stated in my original dispute the account was incorrect. So how did equifax verify an account another credit reporting agency could n't? Does Not exactly explain out very well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
XX/XX/XXXX, XXXX {$590.00} they reversed money to me and told me to go get a prepaid card from a store and the on XX/XX/2022 {$1100.00} was in my account and was also reversed. They also told me that I can send the money cash app, XXXX XXXX to help build my credit. They also told me that they will turn my card off. I called the company and I dont have an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
ordered clothes for my XXXX year old mother. clothes did not fit. returned entire order. charged a restocking fee, then continued to charge me interest and late charges on a restock fee. paid on the account. sent a pymt on XX/XX/20 of {$75.00}. called several times the week of XX/XX/XXXX - XX/XX/XXXX. still no payment on file. called morning of XX/XX/XXXX, still no payment received and charged me another late fee of XXXX called back after lunch on XX/XX/XXXX. they had received my {$75.00} as of XX/XX/XXXX, but as of morning of XX/XX/XXXX, still not showing my payment. took them 2 days to post my payment. called and asked them to remove {$35.00} fee, refused. This company is horrible. When you order clothes online, and they don't fit, you should not be subject to a restocking fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I got a call from XXXX at XXXX on XXXX. I also got a call from the same number a week before. XXXX was the phone number the voicemail left to call. The voicemail was an automated recording to call about a fraud alert. This was the same voicemail from the week before. When I called the week before, no info was provided to me. When I called yesterday, on XXXX, I spoke with a gentleman who said he was XXXX XXXX, that the company 's name was XXXX XXXX, that their address was XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. I did not reveal any personal information of ours, but that gentleman had a previous address of ours, but not current. I was informed that my husband had gotten a cash debt advance from Bank of America in XX/XX/XXXX ( which he did not ) and that unless I wanted legal action to be taken immediately, including arresting my husband, that he would need my debit or credit card info right then and there to pay off the debt. I refused and told him he could pursue legal action since my husband did not commit any fraud, nor perpetrated any crime, and since any statute of limitations would have passed on any contract claim, which was inapplicable since my husband did not have that debt.

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 2022-05-20
Company: EQUIFAX, INC.
State: FL
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:
My rights were violated under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXL XXXX XXXX, XXXX, VA XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXXY XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXXS XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
collector is attempting to collect a debt that is past the original legal statute of limitation for debt collection. collector has reaged and dated the debt on my credit report to look like its a new debt and changed the account number to their own number to again make it look new.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-21
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
I took advantage of a one-time online offer of {$1.00} ( plus tax ) to get my XXXX score from XXXX I thought I was being charged {$1.00} for this one-time score. However, XXXX signed me up for a monthly membership and charged me {$23.00}. I read through their online page and I never saw anything that said I was signing up for a membership. They did not e-mail me a receipt so I do n't have proof about this. After the charge appeared on my credit card, I telephoned them but they said that they would cancel my membership but not reimburse me for the difference. Apparently, many other people have had the same complaint about them XXXX. 

Their advertising of the {$1.00} fee is deceptive with the fine print being placed in a small font at the bottom of the page ( I have been told ; I did not see it ). Their offer should say clearly ( not in fine print ) that this is a trial, that the person agreeing to it will be signed up for a monthly membership fee if they do n't cancel within 7 days, and that they should send a receipt for the agreement which lists the conditions. None of these conditions were true with XXXX. For a credit agency that supposedly investigates bad financial behavior and fraud, their behavior is anything but proper and open.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This company name XXXX XXXX XXXX has reported that I owe {$80.00} to them. This information is inaccurate because I never received a parking ticket with the city of XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There are several Inquiries on my Experian Credit Report, I have spoken with both the Credit Bureau and Original Creditors but have not been helped. I have continuously been bounce back and forth between the companies and Credit Bureaus. This is unacceptable and I would like all inquiries removed ( as they are all duplicates ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-13
Company: Navient Solutions, LLC.
State: ME
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I have asked the company twice to not call me at work and to communicate with me In writing and they 're still calling me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I filed a complaint against Experian Complaint # XXXX and XXXX Complaint XXXX XXXX Credit Bureaus regarding XXXX Acct # XXXX for it's inaccurate reporting. On XX/XX/XXXX Experian response was that the information from the Data Furnisher was accurate but I never received proof of that investigation and how that investigation was conducted. This is another FCRA violation of my consumer rights in pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy. On XX/XX/2022 XXXX contacted me with their results of their investigation and here are their results Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. XXXX has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days.DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : Maintenance was performed on the following accounts and/or public records. XXXX XXXX DELETED '' How can Experian still report these inaccuracies and continue these gross misconduct and consumer violations? This XXXX acct # XXXX must also be deleted from my Experian report immediately. 

Thank you in advance

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 2022-08-19
Company: EQUIFAX, INC.
State: IL
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 Names XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Received inaccurate information on how to pay first tax bill on phone call with Nationstar Mortgage XXXX. Received delinquent notice from local tax authorities XXXX with late payment fees attached. Called Nationstar about problem. From XXXX through XXXX I talked and/or corresponded with 18 Nationstar agents XXXX this problem, some on multiple occasions. ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. In the interim, I received a notification from the local tax authorities threating to place a lien on my property and place my home up for sale. Once the escrow was paid by Nationstar some 8 months after my initial call on XXXX. Nationstar refused to reimburse me for the extra {$120.00} incurred by late fees and penalties from my escrow account. They also refused to apologize for the stress and agony incurred upon my wife and myself worrying about our home being seized by local tax authorities and damaging our credit score due to their incompetence.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit Reporting act XXXX  account # XXXX ( XXXX  XXXX ), # XXXX ( XXXX ), # XXXX ( XXXX XXXX XXXX ), and a few hard inquires from XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2015-05-04
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I went online today to XXXX to check my credit report at Experian 's website. I was enrolled for their credit monitoring service for {$19.00} per month although I did n't want to. I 've always watched carefully so that this does n't happen. They clearly have the website designed to mislead people into signing up without their knowledge. Enrolling in these services should not be automatic because I forgot or did n't see some box at that bottom of the screen to uncheck.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-20
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/22, I was a victim of identity theft / wire fraud through Citibank. They seem to neglect the fact that I didn't fall victim to a scam, I didn't authorize it whatsoever. I was part of a data breach through XXXX, and a hacker was able to get my identity by stealing the ID # on my XXXX Card. No matter how this happened it was never authorized by ME. They used a burner phone to get ahold of my phone internally. During the process I lost service, so no one could contact me at all, and I had no idea what was occurring. What did occur was that Citibank didn't lock my account, and instead they let a hacker wire out {$26000.00} of my hard earned savings. My account was completely protected through XXXX factor authentication, and still somehow Citibank refuses to give me back my hard earned {$26000.00} even though they're required to through the FDIC. They seem to think that I'll just say goodbye to my money, and that they'll get away with this. I've received now XXXX denial letters ( all with different / bogus reasons as to why I don't deserve MY money back ). I now will be serving them with a lawyer, and won't stop until I have this money back. 

How can you blame a victim of this occurring? I didn't fall victim to a scam, and I didn't fall victim to ever authorizing a hacker to wiring {$26000.00} out of my savings. Citibank doesn't like the fact that I've brought attention to the news with this, but what do you expect? This is mentally and physically draining, but I won't stop after I have my money back. XXXX months now and all I've received is denials and lies. 

Keep in mind that I didn't fall to a scam, I didn't click anything, and no matter how this occurred Citibank is required to give me my hard earned money back.

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 2016-06-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This is what I have written to XXXX and the accounts I am disputing are in 3 separate letters and they have failed to do the following : # 1 properly investigate # 2 provide the documentation made available to me under sections XXXX and XXXX as well as # 3 correct my credit report *Please see the documents that I have uploaded that contain my disputes. 
In part, this is what I wrote to Experian : I have specifically made complaints against you to the Consumer Financial Protection Bureau in regards to your failure to investigate the accounts that I have noted as inaccurate as well your negligence in provided the required documentation I request and made available to me under section 1681 of the FCRA as well as section 609. 
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. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Pursuant to section 1681 and comments by Congress, I have notified you that these accounts are incorrect and I require that you send me all the documentation that upholds the listing that you have on my credit file. Your job is not to " interpret '' the FCRA - Congress states that this is in clear language that you can not simple repeat what the creditors say and that you must go beyond what you receive from the creditors to determine if what you received is accurate or not. You have not done so and I can see that most accounts were not even investigated :

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