BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-27
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:
I have been trying to get a hold of Equifax FOR MONTHS!! I am a victim of identity theft a few times and submitted the documentation to them and tried to call. Every time I call the automated response tells me I can't be verified! I know my address and if I can get past that the questions they ask me about my credit report they say I got wrong as well! I know where I bought my car ( the lender and how much I pay for it ). I am trying to buy a home and I have been trying to get this and the inconsistencies on my report fixed Since XX/XX/2021!!! I have not gotten a response from them at all! 

As far as the accounts in question I have not gotten any response from the accounts for the inquiries and I get generic letters from the accounts that need the payments corrected to contact the bureaus. I have followed up with XXXX  & XXXX  and they complied graciously.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was given misleading and inaccurate information regarding why a payment was withdrawn late from my State Employees XXXX Credit Union checking account was withdrawn late. I have made several efforts ( as documented ) to ascertain the reason for this. Both State Employees XXXX Credit Union and the credit card company, XXXX XXXX, have been passing the buck back and forth blaming each for the issue and neither party taking responsibility for this issue that has to do with their outdated ACH systems.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
TO WHOM IT MAY CONCERN I WAS PLACED IN A 7 YEAR AUTO LOAN BY A COMPANY KNOWN AS THE XXXXXXXX XXXX XXXX THAT ARRANGED THE LOAN TO BE CARRIED BY XXXX XXXX XXXX. THE DEALERSHIP IT TURNED OUT WAS KNOWN FOR DECEIT AND WAS MADE TO CLOSE BUSSINESS IN THE TOWNSHIP OF XXXX XXXXXXXX WI FOR THE ILLEGAL WAYS THE COMPNAY PREFORMED BUSSINESS. THE VEHICLE THAT I BOUGHT USED WAS ACTUALLY REPORTED THE THE DEPARTMENT OF TRANSPORTATION IN WISCONSIN FOR DEALERSHIP REVIEW, AS THE CAR WAS KNOWN AS A " LEMON '' COSTING ME THOUSANDS OF DOLLARS IN MAINTENANCEI MADE NUMEROUS ATTEMPTS IN NEGOTIATING WITH XXXX XXXX XXXX TO RETURN THE VEHICLE, ONLY TO BE THREATENED AS TO WHAT THE COMPANY WOULD DO TO DYSTROY MY PERSONAL CREDIT. I FINALLY VOLUNTARILY SURRENDERED THE CAR AND WAS " PROMISED '' THAT THE VEHICLE WOULD BE SOLD AT AUCTION AND A PAYMENT ARRANGEMENT WOULD BE OFFER TO ME, IN ORDER TO NOT HARM MY PERSONAL CREDIT. THE VEHICLE WAS TURNED-IN XX/XX/2021. I CALLED THE COMPANY MANY TIMES TO INQUIRE WHRE THE SALE OF THE VEHICLE STOOD. FINALLY THE CAR WAS SOLD AT AUCTION ON XX/XX/2021. AS OF XXXX XX/XX/2021 I RECEIVED A LETTER FROM THE COMAPNY DEMANDING THE DEFIFICENT BALANCE OF {$13000.00} THE COMPANY IMMEDATELY REPORTED THE VEHICLE AS A " CHARGE-OFF '' TO ALL THREE CREDIT BUREAUS ALONG WITH A " REPOSSESSION '' i MADE NUMEROUS TELEPHONE CALLS TO THE COMPANY FINALLY TO RECEIVE A LETTER DATED XX/XX/2021 A FALSE DATE, AS I RECEIVED THE LETTER IN XXXX ; STATING THAT A VOLUNTARY SURRENDER WOULD BE UPDATED TO ALL THREE CREDIT BUREAUS AND THAT i WAS TO TELEPHONE THE RECOVERY DEPARTMENT TO MAKE PAYMENT ARRANGEMENTS. i TRIED FOR WEEKS, TO NO AVAIL. I LEFT MESSAGE AFFTER MESSAGE ON A VOICE MAIL THAT WAS NEVER RETURNED. FINALLY I WAS PUT IN-TOUCH WITH THE PROPER DEPARTMENT THAT STATED THAT EVEN IF I MADE APYMENTS TO THE RECOVERY DEPARTMENT, THE ACCOUNT WAS ALREADY CHARGED-OFF, THAT WOULD NOT BE UP TO THE COMPANY TO NOTIFY THE 3 BUREAUS TO REMOVE THE ERROR AND THAT ANY PAYMENT RECEIVED WOULD NOT BE UPDATED TO THE 3 BUREAUS UNTIL THE INVOICE WAS PAID IF FULL ANF THEN ONLY A XXXX BALENCE WOULD BE REPORTED, THAY CLAIM THAT THE 3 BUREAUS WOULD HAVE TO PERSONALLY DROP THE CHARGE-OFF NOT REGIONAL ACCEPTANCE COPRORATION. THIS IS COMPLETELY ILLEGAL. THER ARE LAWS PROTECTING THE CONSUMER.. I HAVE ARRANGED TO PAY {$1000.00} A MONTH FOR A 12 MONTH PERIOD. I AM TOLD NO UPDATING OF ANY KIND WILL BE GINEN TO THE BUREAUS SHOWING THE ACCOUNT CURRENT AND THE COLLECTION/CHARGE-OFF WILL REMAIN FOR UP TO 7 YEARS. 
I HAVE ENCLOSED THE TWO LETTER FROM THE COMPANY FOR YOUR REFFERENCE. I VALUE MY CREDIT AND A CHARGE- OFF IS MOST INAPPROPRIATE GIVEN MY WILLINGNESS TO PAY-OFF THIS BALANCE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: Nelnet, Inc.
State: GA
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:
Nelnet Student Loans XXXX ; XXXX ; XXXX ; XXXX ; XXXX. I have called on 2 different occasions about why these loan are showing negative on my credit report.. My students loans should not be showing negative. They are deffered and not defaulted or negative. I have called Nelnet/ US dept of education and I was informed they they are not showing negative, but they are showing negative. 

XXXX XXXX ( Date opened XX/XX/XXXX ) XXXX ( Date opened XX/XX/XXXX XXXX ( date opened XX/XX/XXXX ) XXXX ( date opened XX/XX/XXXX ) XXXX ( date opened XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Navient Solutions, LLC.
State: AR
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:
Dear Sir/Madam, My original loan was XXXX of which I only received a portion of books back in XX/XX/1990. Since then I have paid thousands of dollars, reconsolidated and the loan was sold again to navient which have added thousands of accrued interest to it making it a whopping XXXX. My school also violated terms of agreement by ( closing and not providing services as lifetime course entitlement ). If they closed and I 'm not getting what was promised why should this loan continue? 
I am considering a lawsuit as this is unjust and unfair interest practices during deferment and hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I took out XXXX Parent Plus loans for my daughter back in XX/XX/XXXX. Over the years payments have been made regularly and I am currently up to date. I sought to renegotiate the terms of these loans because I am now older and can not afford to handle the repayment costs that are about to escalate on XX/XX/XXXX. I am currently paying XXXX for 18 months on XXXX loan, which will drastically jump to XXXX on XX/XX/XXXX. The XXXX loan is at XXXX for 17 months, then it will jump to XXXX on XX/XX/XXXX. This was the only option that Navient Loans would give me. I recently read about a lawsuit about this organization making it hard for people to repay such loans and as a parent who helped his child to have a college education, I will not be able to handle this increase next year. From XXXX per month to XXXX per month for 6 years. I was given no other option but to call back in XX/XX/XXXX to try to get it lowered. I am trying to be proactive and receive help and guidance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. SYXXXXXXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: CNG FINANCIAL CORPORATION
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I I took out a {$2000.00} loan because I was out of a job and I have been paying XXXX a month for 5 months now and I still owe more than the principal amount. I'm depressed, the value never went down and the main value went up. impossible to settle the amount. terrible. I call the corporate and nobody give a call. This need to stop and people never have to go in this place called CHECK AND GO! Loan Sharks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Hard inquiry and soft inquiry were both documented on my credit report on XX/XX/21 from Capital One. I have not nor did not initiate this inquiry on XX/XX/21. I was notified of inquiry through a credit monitoring service, then immediately contacted Capital One. They stated no new accounts were open but failed to respond to why an inquiry would of been done without my initiating it. After 3 attempts with Capital One, they referred me to the credit bureaus and I see the listed inquiry. I need it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27
Company: TD BANK US HOLDING COMPANY
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 from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Navient is XXXX of the worse companies to work with. I have contacted them many times to try and work out an affordable payment plan. Each time I spoke to a representative no wanted to work with me and now my account is in default. I have continued to reach out to them to try and work out an affordable payment to no avail. Now I 'm on the hunt for a lawyer. I pray that some how I can find a solution before this situation gets worse. I 'm a XXXX and I make under XXXX per year. Nevertheless, they want my whole check.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America, after receiving certified funds ( Cashier 's Check ) to reinstate mortgage loan, cashed and then return the funds to me ( borrower ) and then wrongfully filed a Notice of Default. 
Please see the attached documents for more detail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Mr. Cooper Group 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:
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 NSTAR/COOPER  Account Number : XXXX This is not mine.

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

3. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2019 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: CrossCountry Mortgage LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were originally going with Cross Country Mortgage to refinance our home. We found a better deal through another lender so we went with another company. That deal fell through so we came back to Cross Country Mortgage to finish the original refinance we had started. We were to the point of needing to get an appraisal. We had paid a month earlier already for the appraisal and had never gotten a refund and they still had our money. We were not happy with the fact we couldn't get our money back on the appraisal but we're willing to overlook that fact and continue to use them. We had them reopen the loan and move forward with the appraisal. We never did hear back from anyone on the appraisal and kept having to call to find out why and just kept getting a run around and no return phone calls. The first time we were using the lender they were XXXX on the spot and constantly kept in contact with us multiple times a day. This time nothing but birds. Every day we were having to call the lender to try to find out what the delay was. After a while we finally gave up and told the lender to just cancel and we would find another lender since it was obvious to us that we were now dealing with someone that did NOT want to work with us. Assuming they were offended that we had originally decided to use another lender and their treatment of us was payback and they didn't really want to work with us anymore to do the refinance. The lender and I got into a long texting argument over the whole issue and not once did he ever apologize for his lack of responding to us or his lack of resolving whatever the issue was with us not being contacted by an appraiser. He told me to just deal with his boss but would NOT give me his bosses name or number to be able to contact him to discuss his conduct. We were dealing with XXXX XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: National Credit Services, Inc.
State: OK
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted national credit services regarding a very old defaulted student loan on XX/XX/2021, they told me they wont discuss over email, they asked to discuss over the phone, i wanted everything in writing ... so i then sent them an offer of settlement of {$620.00} on XX/XX/2021 via usps mail with tracking number. the company never responded. company seems to have reported a new mark on my credit report, the debt went into forbearance 20 years ago. any help to get the company to respond so i can get this cleared and done with would be appreciated. thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 there was a unauthorized charge in my paypal account. I noticed the debit out of my bank account on XX/XX/2021. I filed a dispute the same day with PayPal. As of today XXXX XX/XX/2021 they denied me with no form of documentation and or proof of the transaction. They did not even utilize the 14 business days to even research. They just denied me. 

My account is a small business account called XXXX XXXX XXXX XXXX The unauthorized amount Is {$620.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-28
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
i have repeatedly requested via phone calls and this forum for a complete breakdown and explanation of any and all payments received, fees charged, etc. on my loan.     i have received some paperwork but it does not include breakdowns nor explanations.     i 100 % disagree with the balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Someone pretended to rent out a building, when they were not the landlord stole XXXX from me as a deposit and refuses to refund the money. Chase also refuses to reverse the charge

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: LDF Holdings, LLC
State: IN
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I was in need of money and I decided to get a payday loan, but I made the mistake of doing it online. I got matched with multiple lenders and they called me in the first stage with what they had to offer. I renewed a little later again with them since I almost lost all my money paying it back to them. So, now I am short of money again and I re-borrowed. The interest rates they have and the number of loans are prohibited by the State of Indiana. Also, these loans and their companies are illegal and not licensed in State of Indiana. I talked with Department of Financial Institutions ( DFI ). They said these are illegal practices. They suggested I close my bank accounts and call out these lenders who get people sucked into traps like this when they can not actually even offer or enforce these based on the State Laws. DFI suggested that I log a complaint against such institution here at cfpb Lendgreen : {$1000.00} https : //www.lendgreen.com/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-06
Company: Convergent Resources, Inc.
State: CT
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 have received a letter from a Collection Agency called Convergent Outsourcing , Inc attempting to collect a debt which I do not owe or have any knowledge of in the amount of {$1300.00}. The information on this letter is for an account # XXXX for XXXX which I do not recognize. 
I do not have any responsibility for this 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 2021-08-28
Company: EQUIFAX, INC.
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:
To whom it may concern, I was looking at my credit report on XX/XX/2021 and noticed there was some inquiries i have never authorized which if fraud and I have no knowledge of and never signed anything for any of the following. The ones in question are XXXX/XXXX  Inquiry from XX/XX/2021, XXXX/XXXXInquiry from XX/XX/2021, XXXX XXXX, XXXX  XXXXInquiry from XX/XX/2021 & XXXX , XXXX/XXXXInquiry from XX/XX/2021. I would like these all removed from all credit reports as this was not authorized by me and to my understanding of the fair credit reporting act I have the right to make my credit accurate thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My XXXX XXXX Costco card account was transitioned to Citi. Unfortunately I was locked out of my online banking and unable to resolve the issue on my own and forced to call into customer service. My wait time was well over an hour, and the issue is still not resolved. Many times I have been told that the account lockout was removed but turns out that they were incorrect and I 've had to call back multiple times, again having to wait on hold for inordinate amounts of time ( minimum 20+ mins ). It 's also very frustrating having to wait for an automated system to regurgitate my account information before even allowing me to choose why am I contacting them in the first place. 

Extremely disappointed that Costco went from a quality customer service provider like XXXX XXXX to this. 

Literally just had a customer service rep tell me that there was no lockout or blocked access to my account, while their website says blocked access with reference to Error Code XXXX. 

Losing hours of my time for a remarkably simple issue as resetting a password is giving me a horrible first impression of this company.

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