BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-10
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I just checked my credit score and I seen Navient keeps removing thousands of dollars from my account as a payment then adds that same amount back plus more money and THEN added interest. I am being scammed and I have been BY them for years. I need help. I'm in so much debt and they are literally stealing my money under my nose and who knows how long this has been going on. 

I have school I attended, anthem, that was shut down and they refuse to help me with that. Even though I am allowed to get the money returned they absolutely won't help and refuse although I have proof! 


They sell and buy loans back under your nose and this ultimately costs you so much..these loans are from ten yrs ago and I have accumulated so much debt in loans and they try to encourage deferment then when you look at your account you see they have been scheming you because your NOT looking at your account! While In deferment!!! 

I don't even have current documents because I'm in deferment. They sell and buy my loans and change interest rates and it's not ok!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Went into branch XXXX/XXXX/15 ; made cash withdrawal of {$610.00} before XXXX ; next evening, XXXX/XXXX/15 after XXXX called auto system to check balance ; I was given an amount of over {$600.00} by the automated teller ; was assured by customer service agent that the amount of the balance quoted was correct and it was from my employment ; transactions were made ; I was charged overdraft fees all because someone in the branch did not do their job correctly and I was led to believe this money was available. If cash is withdrawn from an account, how can it still be there? I thought it was a bonus ; I do get bonuses from my employment. The amount of overdrafts reached an amount that was more than my next paycheck. The bank did take responsibility for part of the overdrafts but the fact still remains that I had to pay for someone else 's mistake. Why would it take over 24 hours for a cash transaction to post? My guess is someone was not paying attention. 
Just the month before I went to the same branch office and asked to withdraw the same cash amount from my saving. The same teller withdrew money from my checking account when he/she could plainly see that the amount requested was not in my checking account! I 'm standing right there. Could n't she have just checked with me to make sure it was the correct account? That time also I called to check my balance the next day and found my checking account overdrawn! This time when I spoke to a customer service agent I was able to transfer the proper amount of funds from savings to checking to cover someone else 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Other

Complaint:
For my XXXX payment on my credit card from Fifth Third Bank, I made an online payment via direct transfer from my bank account on XXXX. No record of this payment was generated, either on their online service, XXXX, or via E-mail. On XXXX I was charged interest on the balance of my account. In response I made a second payment, and no record was generated. However XXXX payments were then processed, overdrawing my bank account. 

I contacted customer support on XXXX once the error was realized. My request was for the initial payment, in the amount of {$1000.00} to be refunded to me. I was told that the only option for refund was via check, which would take 2-4 business weeks to arrive by mail. I agreed to this. After three weeks, I contacted customer service again to ask for the status of my refund, and was told that the check had been mailed, but due to the holidays may take longer than normal to arrive. I was advised to call back if I had not received the check by the next Monday. 
The check did not arrive, and when I called back I was informed that it in fact had not been sent. I requested at that time that rather than mail a check, that the funds simply be re-applied to the balance of my credit card. The representative with whom I was speaking said that she would forward my request to the escalation team managing my account and have her supervisor call me when available. I did not receive a call. 
Two weeks later, the funds had not been returned to my account, and I called again. The representative with whom I spoke on that day indicated that there was no record that I had asked for the refund to be re-applied to my account rather than mailed, and the escalation team was still working on mailing the check. I again requested electronic application of the funds to my credit card. I was told that the escalation team would call me back, and they did not. 
On follow up later the same week, XXXX, the representative with whom I spoke informed me that monetary funds could not be deposited in my account until the XXXX billing cycle, and that the escalation team would call me the same day, but were unavailable at that time. I did not receive a call. 
I have tried again to contact the escalation team or a supervisor today, but was informed that they are too busy to speak with me. 

At this time, I consider Fifth Third Bank to have stolen {$1000.00} from me. I have been lied to repeated regarding potential options for resolution of the theft, and regarding follow up attempts on the part of representatives from their company. I have no faith that I will see this money again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act XXXX  Account 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 response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: The Receivable Management Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I changed my car Insurance from XXXX XXXX, policy XXXX. XXXX to XXXX XXXX, policy XXXX. XXXX. Later XXXX XXXX send me invoice for {$140.00} and said that if I had insurance before cancellation date with them which was XX/XX/XXXX, they will review and cancel their demand. Despite of sending them my new insurance info, they didn't care and forward my debt to R.M.S. Collection agency. On my phone call with R.M.S. on XX/XX/XXXX, and faxing them the document showing I have insurance before XX/XX/XXXX, the report it to XXXX XXXX. 
Despite of sending copy of all docs and letter explaining the fact, they didn't care about my demand to Delete it from my report. 

I now demand that XXXX XXXX review my documents and delete it from my report. 
Thanks, 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 2019-11-24
Company: Source Receivables Management LLC
State: MA
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:
This is an incomplete report because all of the important information are missing, like the date of last payment, past due, credit limit, terms and monthly payment. Also since this is in collection as they claim, there shouldn't be a balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a notice from FedLoan Servicing dated XX/XX/2022 informing me that a PSLF certification form did not include the end date of employment. The notice did not identify the employer in question and did not provide any information that would enable me to identify the certification form allegedly missing this information. Due to that lack of information, I was required to call PHEAA and have now been sitting on hold for more than hour to speak with a " specialist '' for the sole purpose of obtaining a single piece of information that could easily have been provided in the written notice and which is absolutely necessary in order for me to respond to the notice. I tried the option of requesting a call back but that did not work and I was left with no choice but to wait on hold. PHEAA, which has profited enormously through its incompetence in student loan servicing, should be required to compensate me for the time irretrievably lost to said incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: ROC Asset Solutions, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My sister, my daughter, my son and others have numerous voicemails from XXXX, XXXX XXXX XXXX stating fraud complaints against me and threatening legal action if my family or other referenced individuals can not get me or my attorney to call them back. There were calls from XXXX XXXX XXXX XXXX ext XXXX ; XXXX ( supervisor ) XXXX ext XXXX, XXXX XXXX XXXX. 
The major complaint is API divulging sensitive information to parties other than myself and scaring and harassing family members and possibly fellow workers who have access to work phone voicemail.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2020-01-10
Company: WELLS FARGO & COMPANY
State: NM
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:
I had a past due payment on a student loan I co-signed on with my now ex-spouse. My ex-spouse was in bankruptcy, did not inform me she has stopped making the payments, and the bank ( Wells Fargo ) also sent no notifications. I was only made aware by a drop in my credit score. 

I immediately contacted Wells Fargo, brought the account current, and paid the loan off in full. I raised a dispute on the reporting to credit bureaus as I was not notified of the outstanding loan. 

Wells Fargo refused the dispute and would not remove the adverse report. I then disputed the issue with each of the three credit bureaus. 

XXXX and XXXX removed the 30 day late mark and updated my report to indicate good status and the loan paid off. 

XXXX will not remove the 30 day past due indication. I have been unable to contact XXXX  further on the matter. 

I only want to have the adverse 30 day past due mark on my XXXX  report removed, as I had no indications of an issue with the loan. Since XXXX and XXXX have agreed to this, it seems reasonable that XXXX  would, but they will not discuss the matter ; Wells Fargo also will not allow follow-up discussion with the dispute.

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 2022-06-16
Company: EQUIFAX, INC.
State: CT
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, 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 response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid my mortgage on time through the XXXX bill pay service, and have a history of paying it on XXXX or XXXX of the month for 6 months with Carrington, without any issues. However, in XXXX, I scheduled my payment for the XXXX and Carrington attached a late fee saying the payment was received after the XXXX. I checked with XXXX and verified the payment was delivered on time, with my financial institution. However, Carrington did not process the payment until XXXX XXXX. On XXXX XXXX, I faxed a copy of the check reflecting delivery date and payment on time, along with a letter to Carrington, asking them to waive the late fee since payment was received on time. They held the money and processed the check, which is no fault of mine. In XXXX, I received XXXX nasty notes, collection and a late fee notice of XXXX from Carrington. I called and spoke with their rude representative, XXXX ( # XXXX ) and asked for resolution. I asked to speak with her supervisor and she told me I could not. She only gave me his # XXXX, but would not give me a name. She said she could not provide resolution and she now needed copies of my bank statement, which I refused to send her and let her know. This has to be a violation of some financial rule or regulation to safeguard consumers. Why would they need my banking statement with my PII information. I informed them that I filed a complaint with CFPB and today followed up with their consumer advocate department ( XXXX ). I am seeking resolution and the late fee and any implications waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2016 penn company claims I owe amount {$4700.00} I have never contracted brought or used any services from this company I have disputed the claim to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
It has come to my attention that XXXX XXXX XXXX, XXXX have violated my rights as a consumer. Before I go forward, I want to be clear any violations under Title 15 make contract null and void & will stand in federal court. On XX/XX/2021, I did a consumer credit transaction with XXXX XXXX dealership and extended my credit with a finance charge through Capital One Auto Finance. I'm the original creditor extending my credit using my credit card ( XXXX XXXX ) pursuant to 15 USC 1602 ( L ) but the creditor fraudulently financed me a car through this process. Pursuant to 15 USC 1605 ( a ) the finance charge which was included within my credit transaction should be the sum of all charges. Mind you the finance charge is a total of {$12000.00} exact but this dealership and XXXX XXXX gave me a total sale price of {$44000.00} ( see attachment for Exhibit A ). That is a total of {$32000.00} charged over the sum of all charges which is inaccurate and unfair credit card practice that utterly goes against this subchapter of the TILA ( Truth in Lending Act ). 

I the consumer was violated pursuant to 15 USC 1662 ( 2 ) advertising a down payment of {$5000.00}. Proof is in exhibit A. 

Pursuant to 15 USC 1605 ( c ) property damage & liability insurance premiums must be included in the finance charge. Proof is in Exhibit B. 

Pursuant to 15 USC 1611 ( 3 ) that is a criminal crime. XXXX willingly and knowingly provided false & inaccurate information because these laws are public. Ignorance of the law is no excuse. The responsible party shall be fined not more than {$5000.00} or imprisoned not more than one year, or BOTH!! 

The company failed to disclose my right to rescind pursuant 15 USC 1635 ( a ). Proof is in Exhibit A-E. Failing to do so will be charged double the finance charge. 

Sadly, this is fraud, so this contract is now void. 

CEASE AND DESIST ALL COMMUNICATION UNLESS IT IS TO CURE MY REMEDY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: NBT BANCORP INC.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have attempted over 5 times to reach someone in this companies collection department. When I call, it sends me to a voicemail. Upon leaving a message, they call back only to transfer me again and I must leave another message. They never responded to any of my voicemails left at the transferred call area. I am trying to make payments on my debt however this company does not seem interested in my repayments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: LA
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:
I have attached below all of the hard inquiries that I have tried to dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i was told when i initiated this mortgage that bi-weekly payments would be credited when made thru autopay. i now find out that is not true. although i made payments on the XX/XX/XXXX and XX/XX/XXXX, the payment made on the XX/XX/XXXX was not credited to my principle until the XX/XX/XXXX. had i known this i would never have done business with freedom mortgage. i will certainly never do business with them again and would recommend to anyone i can to avoid freedom mortgage. dealing with freedom after closing has been a very unpleasant experience.

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 2020-01-10
Company: First Federal Credit Control, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
An incorrect medical debt was turned over to First Federal Credit Control ( FFCC ). The medical provider was XXXX XXXX, XXXX, who in turn used a Billing Company. The Billing Company sent me an incorrect bill. I notified them of this multiple times as well as XXXX XXXX and was advised it would be corrected and I would get a new bill every time I spoke to them. Neither company sent the corrected bill and the Billing Company referred the incorrect debt amount to FFCC. Upon receiving the collection notice I immediately called my rep XXXX and advised of the error and dispute. She advised she would look into it and that no credit reporting would occur. After not hearing back after roughly a week I called both XXXX XXXX and the XXXX XXXX and told them of the collection company. XXXX XXXX finally corrected the bill while I was on the phone and I paid them at the same time since the bill was finally corrected. Now a few months later I see that FFCC negatively reported which has affected my credit. This was all due to a billing error and I dont understand why my credit is negatively being affected due to the errors of all three other companies. Nor do I understand why I was the only one trying to fix the error. At this time I want my credit restored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: EQUIFAX, INC.
State: OH
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:
I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( Equifax, XXXX, XXXX  ). They  have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation