BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: Experian Information Solutions 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:
The Credit Bureaus never did a proper investigation according to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They did not do this Also they have violated my rights even more In accordance with the Fair Credit Reporting Act everything has to be 100 percent accurate on my credit report The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is grounds for removal.

They also violated the law because according to 15 U.S.code 1681 1.section 602A State : I have the right to privacy 15 U.S. code 1681 section 604A States : it also states a consumer reporting agency connot furnish a account without my written instructions I did not give anybody written instructions Delete all inaccurate accounts

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 2017-01-20
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I graduated from school in 2010 and have never defaulted on my loans. My payment plans have continued to increase. Forced the first time in 2010 to pay XXXX $ to defer my loans for an additional 3 months. I then had to talk to several people just to get my monthly payment down because I could n't afford it. I ended up paying interest only on my loans until I went back to school for my masters ( where because my loans were deferred I paid off XXXX loan ). Once graduating I started to pay the max amount which was about XXXX $ a month ( variable loans so flucatuated month to month ). I tried for as long as I could to pay this as the interest only option was not helping pay down my loans and was n't giving me enough to my other monthly bills & federal loans. I called and asked if I can pay based on my income or file for economic hardship. I was told no that only applied to certain loans and with mine that was n't an option. Basically I asked what else I could do because I did n't want to default. Basically the only option was to go back to pay interest only which was still a high payment of approximately {$630.00} ( variable loans so vary month to month ) This was still a little high but I was not given any other options. So I am stuck now paying interest only for all of my Navient loans. Overall for all my loans I pay $ XXXX and have not been able to consolidate my Navient loans which have the highest interest rates and seem to have no end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Every month I have to call Paypal credit because there is an issue with my account. XXXX 's statement showed I owed {$2400.00}. The correct amount owed was {$2300.00}, from two purchases on Easy Payments with 0 % interest. The difference is {$170.00} which turns out is from a credit that was not properly credited to my account per the representative I spoke with. The Easy Payment, payment due is {$130.00} a month, I had to make a payment of {$140.00} due to the additional {$170.00} showing owing on my account. 
This month 's ( XXXX ) statement shows I owe {$2300.00} and am now being charged interest. The Easy Payment items only total {$2100.00}, now a difference of {$150.00}. 
The monthly payment again is {$140.00}, higher than what the Easy Payment plan requires. 
If they ever get this straightened out, there will be an issue with allocating the overpayment amount. 
As I stated earlier, this occurs every single month since SYNCB has bought Paypal Credit.

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 monetary relief
Consumer complaint received 2017-02-09
Company: Navient Solutions, LLC.
State: MT
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 have been in a interest only repayment program for years. Extra payments were not applied to principal. Never informed me of other payment options. Denied me my actual balance on several attempts. Misled me for over XXXX years. I have already re-paid almost 4 times what I originally borrowed and still owe almost 3 times. Ruined my credit for years, costing me to finance things throughout my life. XXXX 's of hours on the phone trying to resolve issues with very little success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Submitted a Mortgage Refi Application in XXXX of XXXX with Navy Federal Credit Union. To date ( XX/XX/XXXX ) we the applicants still have not closed. We have been told multiple times that we are just a couple weeks from closing only for another two months to pass by without action.

Our loan officer continues to ask for documents that we have  submitted on multiple occasions. The level of scrutiny being exacted upon is discriminatory. We suspect that it because we are XXXX American in the age of COVID-19 in which XXXX people are being impacted the worst economically. To date we still have not closed and Navy Federal Credit Union continues to ask for information for which feel is designed to stall from having to approve the loan. 

I am a veteran having served 22 years in the XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This medical bill should not fall under my debt because I had my deductible met and out of pocket met at 100 % prior to the service date ( XX/XX/17 ) and the hospital allowed a XXXX into my XXXX  delivery without my consent and/or confirming he was in my network first. I have tried communicating with the debt collector and they were very abrasive and hostile towards me when I was trying to settle the debt. They have sent it into collections under both mine and my husbands name and have added over {$200.00} to the initial charge and wont give me a complete breakdown of what all of the charges are even for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have repeatedly disputed this fraudulent Bank of America account on my credit files. Bank of America has refused to do anything about this account ( which they are still reporting ), and instead kept directing me to their collections agency ( XXXX ). 

I now have written confirmation from that department that this account was deleted and closed due to it being determined to be fraudulent ( Case Number : XXXX ). And THAT branch is now directing me BACK to Bank of America to have this removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
We have a Bank of America credit card for many years now. Every month I set up the payment to be taken from our checking account ; usually for the full amount due. This month, XXXX 2015, I set the amount to be paid ( {$8700.00} XXXX to come out of our checking account on XXXX XXXX, the due date. It did. The total amount due was {$8700.00}. On XXXX XXXX, they also deducted another {$8700.00} from our checking account. Fortunately, we had just sold our house, so we had money to cover the double payment! I called them on XXXX XXXX and asked them to put the money back. I was told it would take XXXX business days to do so. It finally reached my bank, this morning, XXXX XXXX. We were never given an explanation on how this happened, compensated for the use of our money, which I feel is only fair. If we had not sold our house, this would have put our finances and other payments taken from our checking account in serious jeopardy! My greatest fear is that this might happen again with them. I will be canceling our credit card within the next month. Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Making/receiving payments, sending money

Complaint:
I deposited XXXX {$1000.00} United States Postal Money Order to my Bank of America account ( XXXX ) with total of {$3000.00} on XX/XX/2016. Bank of America debit {$3000.00} from my account and closed it on XX/XX/2016. I spoke to the branch manager XXXX XXXX to find out why my account was closed. He said Bank of America did not received money from United States Postal Service but according to United States Postal Service, these XXXX money orders were cashed by Bank of America on XX/XX/2016. I have been calling Bank of America for last six months about this issue but they were not returning my calls. The Bank of America reference # for this case is XXXX. I have attached communication letters from United States Postal Service and Bank of America.

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 2023-01-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I filed a XXXX XXXX XXXX in XXXX of XXXX And both navient accounts were supposed to be XXXX however it never did and sent both accounts to collections I tried talking to navient but they were only interested charging me full price which far exceeds original loan amounts Also the loans were originally under XXXX XXXX before becoming navient the account originally went negative in XXXX when I went to XXXX XXXX service As being over 7 years of initial negativity Both accounts should be removed from my 3 credit reports they also filed a lot of misinformation in my file

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Issue: Delinquent account

Complaint:
I have a credit card with Bank of America, I have been paying my account on time via recurring payment or auto debit option with a fix amount of {$50.00}. XX/XX/2016 my minimum amount increased from {$50.00} to {$55.00} so the payment were less than amount due. Since I was enroll in auto debit option I was not paying attention to account statement. I found about this only when my account was reported delinquent to credit reported agencies. I never received a notification from the bank that I 'm paying less than amount due and when I called customer service the agent told me rudely that it is not their job to notify customers that I have being paying less than amount due. 
They not just reported my account late but also charged me late fee for XX/XX/XXXX till XX/XX/XXXX while I have been paying {$50.00} each month.

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 2020-04-15
Company: PMAB,LLC
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am requesting that you provide verification of this debt. 
Send the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Details about your authority to collect this debt : provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 
I need more details about what you claim I owe so that I can make an informed decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: EQUIFAX, 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 the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. I pulled my credit and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$140000.00} XXXX  XXXX XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: Rewards

Complaint:
I responded to an offer to upgrade my credit card and receive XXXX for XXXX airfare. I needed to call in a registration code and charge {$3500.00} by a certain date. I did, and a month later, verified. I was told to wait another 45 days to receive airfare certificate. I never received certificate and have called numerous times, being passed from dept to dept. Apparently, there is a communication gap between Bank of America and Visa, the XXXX companies involved. XXXX have told me the other is responsible for the reward certificate. Finally, after many unhelpful clerks, XXXX XXXX in XXXX, spent XXXX minutes making XXXX way calls to dept after dept with no success. I would have charged the required amount on a trusted card that has actually rewarded me. I responded to this offer a year ago, and Bank of America has had a security breach during the year, so my credit card number was cancelled and I was issued a new number, but it 's the same account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-22
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I CANT STAND WHEN COMPANIES HAVE THE WRONG PERSON, AND THIS ONE DOES YET THEY KEEP CALLING AND SENDING ME JUNK. THEY KEEP SAYING THAT THEY WILL OUT IT ON MY CREDIT REPORT IF I DONT TAKE CARE OF IT. WHY SHOULD I IF IT ISNT MINE?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: Westlake Services, LLC
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I receive XXXX calls per day from my financier when I am even XXXX day late on my payment. I answer the phone and tell the company that I am at work and they insist that I explain the situation causing me to be XXXX day late on my payment. If I explain they call back the very next day and demand I explain the situation again. I have asked that they not call so many times per day because it interrupts my work and they make statements saying it is not important when they call or how many times they call but what is important is that I make my payment. I have never made a payment more than 30 days late and I have been with this company for 16 months. They have offered me payment arrangements which I have accepted but the day after the payment arrangement is made and after I inform them of when I will be able to become current on my account they resume the harrassing phone calls. XXXX of the CSRs made a disrespectful statement about me having to accept the terms of the payment arrangement. He said " Well you only paid {$50.00} dollars '', which was the amount they offered for me to pay to become current on my payment. They begin calling at XXXX XXXX every weekday and saturday and even called XXXX times on XXXX XXXX. They stop calling at XXXX XXXX each day. They very seldom leave voicemail messages but when I call XXXX of the XXXX phone numbers they regularly call from it is this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Experian Information Solutions Inc.
State: VA
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:
Subject : Disputing Information in Credit Report I am writing to dispute the following information on XX/XX/2023 from the company XXXX. 

This is inaccurate becauseI did not authorize an inquiry. I am requesting XXXX be removed from my credit report. 

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 2020-04-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Foreclosure action by JP Morgan Chase. Submitted Loss Mitigation Options package to Chase on XXXX, received approval on XX/XX/2020. Chase received Final judgement on XX/XX/2020, scheduled sale date of XX/XX/2020 on XX/XX/2020. Sale date was requested and established after the Loss Mitigation Request was approved on XX/XX/2020. 
JP Morgan Chase procured a Sale Date of XX/XX/2020 and a subsequent new sale date of XX/XX/2020 after the loss mitigation request was approved on XX/XX/2020, which is prohibited by section XXXX XXXX g ). JP Morgan Chase violated, Regulation X and the Fair Debt Collection Act. 
I have been unable to proceed with the Short Sale of the home because of the Banks aggressive foreclosure dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX, I was alerted from my credit monitoring that my score changed with Equifax, XXXX and XXXX. I looked to see what exactly was the change and when I looked they had dropped my score by XXXX points because I paid down my credit cards, lowering my utilization. From my understanding i didn't know that if you paid down your credit cards that your score would decrease. I feel that is a violation of my consumer rights and is intentionally hurting my ability to apply for credit by decreasing my score. I have been paying my accounts on time with great payment status, no derogatoriness and trying to get my utilization down and yet my score has not gone over XXXX. I am asking that a full investigation be done for I feel that this is a discriminatory act on the credit bureau because of my ethnicity,

Company response to consumer: Closed with explanation