BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-03
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving calls to my home number from various phone numbers that my caller ID describes as NAVIENT. These include XXXX, XXXX, XXXX, and XXXX. When I call back I am connected to your automated phone answering system. For a while the calls were sporadic but they have increased in frequency recently. I received multiple calls from XXXX on XX/XX/XXXX as well as multiple calls from XXXX. I received additional calls from XXXX on XX/XX/XXXX and then started receiving calls from XXXX. I have been getting 4 to 6 calls a day. On XXXX XXXX, I received a call at XXXX XXXX from XXXX. When I answered, a recording told me that it was calling from Navient looking for XXXX XXXX and wanted him to call back at XXXX to discuss making arrangements for payment of his loan. 

With most of the calls, no message is left and most of the time the calls do not connect with my answering machine. When I answer, the recorded message does not always pick up. I do have an account with Navient, but my account is in good standing and when I called and inquired, I was told that there was no record of any calls being made in my account. 

I reported these calls to Navient on XXXX XXXX, told them that I believed that they had connected someone else 's account with mine using faulty skip trace information. I told them the name of the person they were looking for was XXXX XXXX who is either living in XXXX XXXX or XXXX XXXX. He is not related to me. I have had this phone number for 20 years. Navient has not made the calls stop, they are still calling me about someone else 's debt. 

I believe that the skip trace information was purchased from XXXX XXXX XXXX. They have had faulty information connecting XXXX XXXX to my phone number for years and have refused to fix their algorithms or update their information despite the fact that I have made multiple requests. I want the calls to stop, to be compensated for the calls and the time I have spent trying to get them to stop. I also want Navient to tell me where they obtained the skip trace information and to have that company permanently remove any connections between me and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, 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:
This is XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the accounts listed below still remain on my credit report inviolation of XXXX XXXX. Equifax has failed to comply with Fair Credit Reporting Act, XXXX sections XXXX within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if Equifax investigated properly before posting derogatory information. Please delete the following accounts : ( XXXX, XXXX XXXX, XXXX OF XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
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:
This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the Equifax data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-15
Company: Stuart-Lippman and Associates, Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account paid in full, debt collector does not want to confirm XXXX balance with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Issue with Truist Bank and inability to withdraw funds from ATM machine. This issue has been ongoing for two days starting on XXXX/XXXX/2022. I called the customer service and the fraud department and both have indicated they are unaware of any issues with my debit card or their ATM machines. I was told by the fraud department ( XXXX ) on XX/XX/XXXX at XXXX to travel to different locations in hopes of finding a machine that would allow withdrawals. When attempting to withdraw funds the following message is received : Fast Cash - not available & Withdrawal- not available. I have experienced this issue with the locations on XXXX XXXX ( XXXX, GA ) and XXXX XXXX XXXX XXXX XXXX, GA ). Additionally, if I am able to withdraw funds, the ATM machine does not allow for deposits. Again same message, deposits- not available. There is clearly an issue with the ATM machines and no one within the organization has shown any sense of urgency to resolve the issue. 

Not only the above mention issue, but my debit cards were canceled without advance notification and receipt of my new cards. 

By far this is the worst merger EVER!!!!

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 2015-11-22
Company: PNC Bank N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
PNC Bank is refusing to communicate with me or have a customer service supervisor return my phone calls in regards to their loss of my {$1000.00} wire transfer. I was told 3 days in a row that " someone would get back to me. '' Nobody has called, and my money is still missing. Nobody is investigating this. And they intend to charge insufficient fund fees when I have proof that I deposited the money into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been going back and forth for few years on modification trial packages. In 2013, a loan modification given was accepted by me for a total payment of {$2100.00}. I made payments timely for seven months ( 4 months past the trial period ), but could not complete the process due to title issues. My mortgage bank wanted my student loan to be in subordinate lien position. I gave a written authorization to that effect. The bank 's negotiator did not follow up her responsibility until the system timed me out. She asked me to reapply, which I did. This time, the total mortgage payment jumped from {$2100.00} to $ 2,900+ in just few months. I questioned the increase in payment as my income remained the same, but was asked to make a one time payment as an act of good faith while she works to get me a payment close to {$2100.00}. She never did and I did not make another payment as that was too much at the time. A new negotiator was assigned and she got me another modification package and this time with a payment of {$3200.00}. I was not happy and rejected it and insisted to get the 2013 package or close to it. All these time, the bank and the negotiators took forever to get XXXX modification done. In addition, the value given to my home is so high compared to its condition and market price. I once paid {$200.00} to a XXXX party to dispute the bank 's appraised value. As of last month, the bank denied me a complete modification with reasons that I had exceeded my trial modification periods. I only accepted the 2013 modification, even though I made periodic lump sum payments before the beginning of the trial period and in between. I feel that I have been deceived all this time, babysitting the property for the investor who is waiting for the market to turn around. I missed XXXX opportunities to buy similar homes on contract for deed for less and affordable payment. In 2013, after making XXXX payments and assurance from the negotiator that she would get me an affordable mortgage payment, I started to complete my unfinished basement with expenses of almost {$11000.00} in framing, electrical, plumbing, etc. The bank recently asked me to appeal their denial decision and property valuation for a second time in less than 2 1/2 years. I need help in keeping my home with an affordable payment as my little children are emotionally attached to their schools and neighborhood.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I opened a U.S. airways credit card about a year and a half ago. 

1. I never received my original card. I never activated my original card. I forgot I ordered the card because I never received it or activated it. 

2. I received an overdue bill for the credit card. I accrued a late payment charge because the card had an activation fee of around {$100.00} dollars, and thus started with a balance. 

3. Upon receiving the overdue account notice, I immediately called Customer Support, and told them I never received the card. I pay the orginal {$100.00} activation fee to clear the balance. They sent me out a replacement card, and I was assured that the late fee would be reversed. 

4. I receive my card in the mail in the mail and decide not to use it because of the poor experience. 

5. A few months later, I check my mail and find another late fee on the account. It turns out they never reversed the original late charge! I now realize, I have been racking up late payments for a credit card that I never even activated, and had spent {$100.00} out of pocket for the privilege. 

6. I call customer support for a second time I document the customer support call record this time : & lt ; NUMBER & gt ; They apologize profusely and tell me they 've successfully reversed the charges. I have her check the credit bureau to see if this dinged my credit history. She insisted that she talked to her team member and fixed my credit, by retracting their report. 

7. I check my old e-mail account and see ANOTER LATE PAYMENT e-mail buried in my inbox. This could have was from a 'Barclays card ' which, apparently, my old U.S. Airways card had magically turned into. 

8. I am livid, I escalate this request and reference the customer number, I am connected with a senior specialst and I stay on the line with her while she reverses is all of the charges. She is astounded when she finds out that these late payments were generated by an account balance of XXXX cents. How that XXXX cents got there, I have no idea, because I was told that all charges were reversed and there was a XXXX balance. She is angry that one of her customers has to deal with this, and is confused as to how or why the XXXX cents was in my account as I had a zero balance after the last horrible experience. 

9. The customer service agent reverses each charge one by one and closes my account. I think I 've finally resolved it. 
10. Now, months later, I check my e-mail and see ANOTHER LATE CHARGE NOTIFICATION FROM them. I have lost, time, money, and maybe even my credit score. 

11. This is my story. I posted this to the Consumer Protection Bureau and social media so the public may be aware of the abhorrent business practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I have been dealing with Chase Bank Credit Card for Several months for items that were not delivered by Amazon. The credit card company requested the date of purchase, description and the date it was to be sent to me. When I advised them that Amazon blocked access for this information I provided it to them. The items include the following charges. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The items were not delivered and all the requested documents to provide the dispute were provided to Chase. Chase sent me a letter stating that I didn't respond which they found the letter and advised that I needed to send them a note to reopen. In less than 4 days the company came back with a decision that they were going to charge me for all items that I had reported the contested items. Amazon has been having the problem for some time now and now that I wanted either a replacement or credit they will not assist. This was placed on a Visa card that has protections for me and Chase is not assisting me. I am asking for your assistance as the letter sent XX/XX/2020 was just one of many communications with them and they didn't follow the rules of Fair Credit Reporting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Report provided to employer without your written authorization

Complaint:
Do not recognize these Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
The amount for repayment will be a very high amount that I will not be able to afford. I am currently in deferrement with my loan due to being in school but is projected to start paying on the loan in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was just scammed out of {$520.00} via XXXX. I got a fraud alert on XX/XX/XXXX saying that someone was trying to XXXX themselves XXXX out of my account and to press yea or no if it was me. When i hit no i then received a message saying i would receive a call from the fraud department. I got the call and they walked me through what i had to do to stop this fraudulent XXXX from going through and ultimately they had me send them the money that was in my account. I called chase and reported it immediately and they said that it was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: GA
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 Section 602 A section 2 : 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 2022-05-15
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: Report provided to employer without your written authorization

Complaint:
Do not recognize these Inquiries XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-23
Company: PNC Bank N.A.
State: PA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
PNC Bank is calling us XXXX times a day to collect on a debt that was paid through the U S Bankruptcy Court. We have statement from the Trustee that every penny was paid at the amount agreed on. They started calling in XXXX and I sent letters to PNC Mortgage in XXXX and XXXX with check numbers and amount paid. The still keep harassing us. I must have spoken to several dozen PNC minions who all promise to investigate and put an end to this. I have run out of options and would like to know how to put and end to his.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 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 2022-05-15
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I checked my credit report to see that Amsher Collection Service had put a derogatory ding on my credit score, showing I was sent to collections. I need to remove that from my credit score because I was never notified of this action prior to it showing up on my score and dropping it nearly XXXX points!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
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:
In accordance with the Fair Credit Reporting act 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 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