BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
As of XX/XX/XXXX I qualify for XXXX ; therefore, I contacted XXXX/Navient to complete the corresponding documentation necessary to have my Private Loans Discharged. I was informed by multiple reps that I was unable to complete the necessary forms, make any payments or access account info because my co-signer had filed bankruptcy. Once the bankruptcy was finalized, I requested the forms necessary & provided Navient with my Social Security Admin Hearing docs reflecting my Specialists had proven I met the criteria for XXXX. Regardless, Navient required their forms be completed by my Dr at my own expense. As requested, I submitted the forms & was approved for XXXX. As a result, Navient then tried to transfer my loans to my co-signer. I refused to allow the loans to be transferred & requested that their legal dept review my request for complete discharge. I left numerous messages for Navient 's legal dept requesting a follow-up on my XX/XX/XXXX complaint & never received a response back. Additionally, I contacted Navient today & the rep confirmed that legal is still reviewing my complaint & has not responded ; yet, Navient continues to collect on the loans despite the fact they should have been discharged per the XXXX XXXX XXXX Discharge Approval. I have continued to pay the monthly amounts in order to avoid Navient reporting negatively on mine and/or my cosigner 's credit report. As a result, I believe Navient is illegally collecting on loans that should have been discharged a long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Experian Information Solutions Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX Mortgage Companies XX/XX/XXXX Experian XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXX  Bank Credit Cards XX/XX/XXXX Experian XXXX Sales Financing XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX  Tenant Screeners XX/XX/XXXX Experian XXXX Tenant Screeners XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a 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 non-monetary relief
Consumer complaint received 2017-02-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
In XX/XX/XXXX, i called Chase bank ( XXXX card ) to see if they 'd lower my interest rate from XXXX % to something reasonable so I could pay it off. The account was already closed due to default. I told them I was having trouble paying the balance off and I was in jeopardy of losing my job. They refused to do anything. Fast forward to XX/XX/XXXX, I 've now lost my job and I paid off my balance in full ( I went online to Chase and it said my balance was {$10000.00} ). Today, I went online to Chase, and I see an interest fee of {$160.00} posted on XX/XX/XXXX. I called Chase, spoke with a woman named XXXX ( I believe I heard that name ), and told her that is n't right ... I paid my balance in full, I should n't get another fee, billed a week after I paid off my balance. She said its correct, she refused to waive it, and I 'm not inclined to pay it. I 'd understand if I paid after the statement closing date but that was n't the case. I paid the statement balance prior to the closing date. 

Frankly, I 'm mad and I feel that this is the treatment women get. This is n't right, it 's bad business, I paid them a lot of money, a lot of fees, and they should eat their phony interest fee. 

Am I wrong? Is there anything you can do to help me? I am so tired of feeling taken advantage of. 

Thank you. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have a XXXX degree from XXXX ( XXXX, OH ) and XXXX from the XXXX. During my education period, XXXX managed my student loans and then my loans were acquired by Navient Solutions , Inc . Overtime, my loan has balooned to over {$140000.00}. Accordingly, Navient graciously placed my loans in forebearance ( time & time again ) while I continued to seek alternate means to repay my student debt. Research after research on various student loan plans, I contacted Navient to inquire about the Income Base program. Again, they graciously enrolled me into the Income Based program, which resulted in payments of aproximately {$1300.00}, which again, I could not afford to pay. The {$1300.00} payment was based on both mine and my husband 's income. I immediately notified Navient to inform them that my husband too had student loans with Navient and XXXX. Thus, my payment was reduced to {$900.00}. I am currently XXXX years old soon to turn XXXX in XXXX 2017. My student debt has placed a burden on my marriage and my health. I can not retire, tried working a parttime job for two years at a retail store because of my student loan debt. I have worked for the XXXX for 17-years and currently I 'm employed in XXXX over the past 9-years. Again, after future research on my part, I have learned about the Student Loan Forgiveness program and have successfully applied. I recently received notice by Navient that the U.S. Department of Education will soon transfer the customer service of my federal student loan account to XXXX. I 'm still in the unsure if I 'll be able to meet the repayment plan, but hopefully I 'm on the right track to repay the enormous student debt. If there are better options available to me, please, I need all the assistance I can get! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: American Coradius International LLC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I 'm being harassed by American Coradius International LLC on behalf of the  XXXX   XXXX   XXXX . This company has been harassing me and anyone who knows me for the past two months. I have explained to them over and over that this debt does not belong to me and to stop contacting me. I have disputed their claims over and over and they continued to harass me contacting me before  XXXX  and calling after  XXXX . They call at least five times a day. They recently contacted my employer stating that they were calling to inquire information about me concerning workers compensation and after the owner asked for more information they explained that they were looking to collect a debt from me. After speaking with the owner of the business I work for, they contacted my direct supervisor after close of business stating they were trying to collect a debt from me. I 'm not sure how they found my supervisor 's information but they are continuing to call her and harass her now. This company needs to be investigated for harassment and sued for providing false information. Their constant harassment has caused me emotional stress and embrassment because now my employer and supervisor have been contacted and giving personal information. This has been a complete nightmare. I have been to the emergency room twice because I have developed  XXXX   XXXX   XXXX  and have been placed on medication all because of this companies unprofessional collecting tactics. I want to take legal action against them because they never sent me anything confirming the debt, they are harassing me day and night and now contacting my supervisor and the owner of the company I work for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
WELLS FARGO CARD SERVICE - XXXX is a fraudulent account that is to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24
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: Was not notified of investigation status or results

Complaint:
on XXXX I sent a letter regarding inaccurate and unknow things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a 609 letter to Experian and a 30 day demand to comply. via certified mail. I sent it a second time and still no response. I have received nothing in the mail and no communication in the Experian app of a dispute being opened.

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 2018-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-09
Company: Americas Car-Mart, Inc.
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I PURCHASED A VEHICLE THROUGH AMERICA 'S CAR-MART OF XXXX XXXX, MO ON XX/XX/XXXX. WHEN I PURCHASED THE VEHICLE I WAS TOLD THEY REPORT TO CREDIT BUREAU AND IT WOULD LIST AS " COLONIAL AUTO FINANCE '', WHICH WAS WHAT I WAS LOOKING FOR, SO I COULD REBUILD MY CREDIT. I WAS ALSO TOLD, AFTER ABOUT A YEAR, I CAN TRADE IT BACK IN ON SOMETHING ELSE AS LONG AS I HAVE GOOD PAY HISTORY AND I VEHICLE IS STILL IN GOOD CONDITION. A FEW MTHS AFTER PURCHASING THE VEHICLE I PULLED MY CREDIT REPORT AND NOTICED " COLONIAL AUTO FINANCE '' WAS N'T SHOWING. I THEN WENT TO CAR-MART PERSONALLY AND EXPRESSED MY CONCERN. I EXPLAINED TO THEM I WAS SOLD UNDER THE IMPRESSION, IT WOULD REPORT TO CREDIT AND IT IS N'T SHOWING UP. & I WAS MISREPRESENTED. I WAS TOLD, THEY HAD ALOT OF COMPLAINTS ABOUT THE SAME THING FROM OTHER CUSTOMERS. I EXPLAINED HOW I WAS MISREPRESENTED AND I WANT OUT FROM UNDERNEATH THE VEHICLE. I WAS TOLD, THERE 'S NOTHING THEY COULD DO.I PULLED MY CREDIT REPORT A FEW MORE TIMES AND I REPEATIDLY COMPLAINED ABOUT THE MISREPRESENTATION & HOW IT STILL WAS N'T ON MY CREDIT REPORT. AS I STATED, I PURCHASED THE VEHICLE IN XX/XX/XXXX AND IT ALL THE SUDDENS SHOWS UP ON MY CREDIT XX/XX/XXXX. ALTHOUGH IT WAS REPORTED, THE INFO ON MY REPORT WAS N'T ACCURATE. WHEN THEY REPORTED IT, THE DID N'T GIVE ME MY POINTS FROM ALL THE MONTHS OF ON TIME PYMTS AND THEY PUT IT ON THERE LIKE I JUST PURCHASED THE VEHICLE, WHICH WAS N'T TRUE. OF COARSE MY CREDIT SCORE DROPPED DRASICLY WHICH I HAD BEEN REBUILDING ALL YEAR LONG. AFTER SEEING THAT, I CONTACTED CAR-MART AND WAS TOLD I NEEDED TO CONTACT CORPORATE, SO I DID. I SPOKE TO A GENTLEMAN & HE ASKED ME " WHAT I WANTED HIM TO DO ABOUT IT? '' TAKE IT OFF?? AND I WAS INSTRUCTED TO CONTACT THE CREDIT BUREAUS AND TELL THEM TO CORRECT IT. WHICH IT WOULD N'T MAKE DIFFERENCE BECAUSE THEY SHOULD HAVE REPORTED IT LIKE THEY SAY THE WHERE GOING TO DO 9 MONTHS AGO. SO ON XX/XX/2015 I WENT IN THE STORE EXPRESSING MY CONCERN AND TO MAKE IT RIGHT AND ASKTO JUST TRADE ME OUT OF THE XXXX XXXX AND PUT ME INTO A TRUCK AND I WAS TOLD I NEED {$4000.00} TO GET OUT OF THE XXXX AND IT WAS NOTHING THEY COULD DO ABOUT THE CREDIT SITUATION AGAIN, BUT SORRY. I HAVE MADE MY PAYMENTS ON TIME AND WAS TOLD TO KEEP IT ABOUT A YEAR AND I COULD TRADE, WELL I GUESS THAT WAS A LIE TO AND LOOKING OVER MY CONTRACT IN SHOWS AMOUNT FINANCED XXXX, AMOUNT OF PAYMENTS {$15000.00}, TOTAL SALE {$16000.00} AND I PUT DOWN {$940.00} SHOULD THAT COME OF THE PAYMENT AMOUNT. I AM GOING IN ONCE AGAIN ON THE SATURDAY XX/XX/2015 TO SPEAK TO THE GENERAL MANAGER ON THE ISSUES AGAIN. I DUE HAVE A COPY OF MY CONTRACT AND I CAN FAX IT TO YOU ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: JPMORGAN CHASE & CO.
State: NY
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

2. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

3. Identity Theft U S DEPT OF EDXXXX Account Number : XXXX This is not mine. 

4. Identity Theft U S DEPT OF EDXXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
There is a company reporting on my credit report by the name of XXXX XXXX. I have never heard of this company or even seen them in my area. This is really hurting me because I was involved in an accident and Im not able to do much right now. This is causing me emothional distres because I have been denied for jobs because of my credit. I did not give them permission to do anything to my report and I dont even know how they got my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XXXX and XXXX was included in bk XXXX XXXX of virginia. They have transferred or sold debt to collection agency which in return is on my credit report in collections status. They stating the info is correct and will not remove out of collection or off my credit report. Now I getting collection mail for accounts that was discharged thru bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-11
Company: Neighborhood Assistance Corporation of America ("NACA")
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
The current issue is with the NACA HAND / Rehab Dept. I have been attempting to communicate and to have final inspection of the house / rehab work conducted. HAND needs to disburse rehab funds, to the contractor, that are held in escrow as part of the loan / funding agreement with XXXX XXXX XXXX. Funds will be disbursed, once rehab work is inspected by a NACA assigned and certified inspector. The initial request for final inspection, was sent XX/XX/XXXX ; via fax, as instructed on the HAND docs. Follow-up email sent to HAND Rep on XXXX XXXX 2016 - To no answer. After multiple phone calls, voice mails, faxes, and emails to the NACA HAND Dept / assigned rep of the past couple of months, I have not been able to functionally converse with anyone ; to finish this process. I have been contacted by over XXXX HAND reps, and have been copied on XXXX requests to inspectors, to no outcome. This has been on-going for nearly 3 months ( 80+ days ) which is highly unacceptable. Most recent email requesting to communicate sent on XXXX/XXXX/16. 

The contractor has threatened to file suit against myself, and NACA. Which at this point would be honestly justified. In accordance I, the loan holder, will also file suit against NACA. The HAND department has shown an abundance of avoidance, and gross negligence, to properly conduct a functioning business ; with reasonable and ethical standards of practice. As a personal result to this ; from the avoidance to pay the debt owed to the contractor ; by NACA. I now fear my phone ringing, in fear that it is the contractor. And I have no answer to provide on payment. In short : NACA owes the contractor for work completed in the property I reside in, and I am reminded of that fact daily. I am not used to collection practices, nor have accounts that are late or in collections. And in whole, this process has been interfering with my time, and interfering with my work. As the only time to attempt to reach HAND is during my working hours. More often than not, to a phone that goes un-answered. I can not continue to step away to hope someone at NACA answers a phone, or to send another email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have been repeatedly contacted by South West Credit Collections and disputing the debt as not mine do to identity theft. Every time that I have spoken to South West Credit Collections, I have verified with them that the debt is not mine, the information that they have in their files is incorrect, they have no social security number associated and the address they have The XXXX CA XXXX is not an address I have ever lived at or been associated with. They have assured me each and every time that I have spoken to them that they will take this out of their system and that I am not responsible for the debt. 
In XX/XX/XXXX, my identity was stolen and I have subsequently been having to file Security Alerts with all XXXX Credit reporting bureaus, as well as file police reports and FTC complaints. 
I have been repeatedly disputing the South West Credit Collections account. This is not my accounts. 
I have spoken to XXXX XXXX ( where the alleged debt is from ) and they informed me that this is not my account and they would inform the collections agency that it is not my debt. 
In fact, The information that South West Credit Collections has is inaccurate, South West Credit Collections has confirmed that NO Social Security was used and the address for the alleged account is an address I have never lived at and an address I have never been associated with. 
However, that being said, South West Credit Collections reported this debt to all XXXX credit reporting agencies after I repeatedly told them that is was not my debt. I contacted South West Credit Collections on XX/XX/XXXX and spoke to the Office of the President and asked them how they can report this to all XXXX credit bureaus when I have repeatedly disputed this debt and informed them this is not an address I have ever lived at or been associated with and South West Credit Collections stated that NO Social Security number was given to them or XXXX. They then said that they do not need a social security number to file against my credit. I then stated that I have been disputing this debt and as such was informed by South West Credit Collections that they would be removing it from their files, which they never did. After speaking to South West Credit Collections on XX/XX/XXXX, the Office of the President said that they would be removing it from the credit reports, but they have not done so. 

I have previously supplied copies of the police reports to Southwest Credit, but they still have not removed this bogus debt from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: AMERICAN EXPRESS COMPANY
State: UT
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:
My two credit card accounts with American Express were opened XXXX XXXX, XXXX  XXXX and XXXX. I set up automatic payments with the company. Everything was fine until around XX/XX/2017 when I told AMerican express, via phone, that my bank account on file experience fraud and I had to change the payment account with american express to another due to this. We changed the payment account over the phone. The next payment was never taken out of my new account. American express kept on trying to take it out of my old account. I did not realize this because they never called me and I set up auto pay with my new account. It took a while for me to realize it. This is when they closed my account in XX/XX/2017. I would like to have the charge off and closed account removed from my credit because this is the fault of American Express. I've reached out to American Express several time throughout the years and tried disputing it with them and the bureaus so I turned for CFPB because no one would listen. I filed a police report and a report with XXXX XXXX. American Express should check their phone records to verify what I'm saying and remove this account from being reported to the 4 major credit bureau agencies.

Company response to consumer: Closed with explanation