BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-23
Company: Navient Solutions, LLC.
State: TN
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:
Prior to a divorce, I was unaware my spouse was not paying on the loan. After separation, the loan company called me and basically threatened me. I turned in the required documents that they sent me. I asked them to send the documents to my spouse since most of the loans are hers. The company told me directly they sid not care abour her. I was rhe primary signer and rhe note and she was secondary. After completing and sending the info in, I received notice about 30 days later that I had defaulted. It took me a year, but alone rehabilitated the loan. I was told that after rehabilitation, the penalties would be erased. That never happened. Last yea r Navient sent me information about loan payment that is impossible to pay. After dealing with them for over a month, I qualified  for the income driven plan. My now ex-wife of 5 years is non-compliant. She has refused any attempts yo dealing with the student loans because of the divorce settlement and the fact that I am the sole name on the front page of the note. I received a letter from Navient stating my loan was in 45 day forbearance due to me having to recertify my income. They told me my Loan is on hold because they are trying to get my ex to respond. After she did not respond, last year they certified me. This year they said that the certification last year was a courtesy. This year they will not honor it and they are now going after the ex. My complaint is I have not talked to the ex and now they asked me to get her or her attorney to contact them. They said if she does not respond, this will affect, me, my credit, and the status of my loan. I asked them to send me a copy o f the MPN. Theybsaud they do not have or never of had one. Thwybwant me to send them my copy of the MPN. I ca n't find this document. Yesterday  I sent copy of m y 2016 taxe s again. I sent them again after sending them in  XXXX . I am trying to pay the loans. Replaced them in forbearance without my authorization and have no record to prove to me the terms of the loan and who is on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Wachovia Bank Wells Forge Bank / XXXX XXXX To Whom It May Concern : I am being told that on XX/XX/XXXX, I closed on a loan with Wells Forge Bank, this loan paid-offed an existing loan with Wachovia. I am requesting all details of that Wachovia loan, such as, 1. When was it originated?

2. What was the total loan amount?

3. Was it a secured or unsecured loan?

I am being told that the loan that closed on XX/XX/XXXX, was paid on time until XXXX, I am requesting details such as, 1. What month in XXXX was the last payment made? 
2. What was the balance at that time in XXXX? 

Because I do not recall applying for a loan in the amount of {$36000.00}, in XX/XX/XXXX, I would like all details about this loan, such as, 1. All loan origination documents signed by me / not the homeowner. 
2. All loan origination documents signed by the homeowner.

3. A full accounting of all Trustee payments remitted to Wells Forgo and XXXX XXXX totaling {$22000.00}. 
4. What does Other Fees represent in the amount of {$5800.00} to be paid to XXXX? 
5. What is a Corporate Advance in the amount of {$4700.00} to be paid to XXXX? 

In closing I would like to say, as confused as I am about how this loan was originated it became even more confusing after I watched The CEO of Wells Forge Bank sitting in a Congressional hearing and admitting that Wells Forge employees due to pressure to open accounts had without customers knowledge created documents and opened accounts. I truly believe I am a victims of those activities. 

Thank You,

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 2022-09-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
From XXXX to XXXX the loan balance was incorrect. This loan was from XXXX. I owe the XXXX. But XXXX falsely put on my report that I owed over XXXX. And they continued to do this. I want the account information removed immediately.

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 2022-05-06
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My Citibank account was hacked into. I was never notified of any changes to my number on my account and they released a wire transfer of thousands of dollars to the fraudster. They will not issue me a temporary refund while the investigation is going on. They let my entire bank get wiped clean because of negligence and it left me and my children with not a dollar.

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 2016-04-15
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX, I received an alert from American Express that they will send a new credit card to me. I called that same day to say I did not order a new card and was told that someone requested that my current card be cancelled and a new card be sent to an address that is not on my card. Amex said they would not send the card, yet the next day I received an email that said they sent a new card to XXXX. For at least XXXX hours I spoke to many supervisors and managers all over the world who would not tell me how this happened. They said that whoever called knew enough about me to be identified as me - but not one of them could tell me exactly what information that included. After many phone calls, I resorted to getting an attorney and sending a letter ( including the FTC complaint and police report ) to the address their operator in XXXX HQ told me to, American Express XXXX XXXX, CEO XXXX, XXXX XXXX Since I sent the letter on XXXX XXXX, I still have no information, or even a response or acknowledgement that they even received my letter, though I have a post office alert that it was delivered on XXXX/XXXX/2016. 
Today I spent more time trying to get someone on the phone from that department, or their legal department, and each time I thought I was being transferred to the right person, again I was sent to a different customer service area. I asked for a supervisor in the customer service area, and was sent to NOT a supervisor. I have spent an inordinate amount of time with a simple request. 
Must I pay an attorney and rely on the legal system to get these details!? This is the poorest excuse for customer service I have ever seen in my life - and from a company I had been doing business with for many years, and I have had multiple Corporate Amex cards. 
Directly after this occurred, I spent a lot of time adding a 7-year freeze on my credit bureau records, and also froze all of my credit cards, investment and bank accounts, alerted the IRS - all of the things I was supposed to do. 
I spent another hour today trying to get information from American Express, and was again told someone would call me back... not hopeful. XXXX later, no return phone call. 
I just want the information requested so that I may take steps to protect myself from this issue happening again, and hopefully expose some security deficiency in their processes so this will not happen to someone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am a victim of identity theft and this account is not mines. i have called the company and credit bureau multiple times to get it removed and block. please remove this account asap please. This account opening dates also do not match on 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 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have a savings and checking account with Chase Bank. The terms of the account are that my monthly service fee is waived as long as I 1. Maintain {$5000.00} in my checking and savings accounts or 2. Have a monthly direct deposit. I have met these stipulations since XXXX. Due to Covid-19, I have been furloughed from my job in Michigan since XX/XX/XXXX. On the same date I applied for unemployment, and I continue to wait for my application to process. Due to my waiting for my unemployment to process, I am fully relying on my savings to pay my bills and mortgage. Starting this month, Chase is charging me a service fee for not satisfying the above requirements. First charge was on XX/XX/XXXX. I spoke to a representative. They reversed the charge for this month, but will be charging me going forward. This crisis is not my fault, but Chase Bank has no problem capitalizing on that crisis when I am at my most vulnerable. I worry for all other Chase customers who are being charged unnecessary service fees related to the Covid-19 crisis. Please look into service fees banks are charging clients who are not meeting requirements due to the current crisis. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Havent seen my credit since XXXX of XXXX. I call the bureaus XXXX XXXX equifax and XXXX and nothing is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2022-09-10
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a bill from a electric company XXXX XXXX They found my name but at another address we have lived at this address for the last 7 years We have used XXXX XXXX XXXX XXXX ever since moving here

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 2019-10-24
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
These are the dates from Navient webpage of the hospital XXXX in XXXX XXXX CO making payments to the loan company and then you can see in XX/XX/2019 it looks paid off, they never called or left a voice mail or contacted me to let me know they sent me to collections, meanwhile online it appeared that payments were made and accepted by the loan company. I believe this to be fraud and inappropriate. If I need I have the receipts from the checks showing they were cashed as well. Earlier this month I called navient to see who paid off the loans and they said they could not help anymore because I was sent to collections. 

XX/XX/2019 PAYMENT ( {$1400.00} ) ( {$18.00} ) {$0.00} ( {$1500.00} ) XX/XX/2019 CLAIM PAYMENT ( {$65000.00} ) ( {$4000.00} ) {$0.00} ( {$69000.00} ) XX/XX/2019 PAYMENT ( {$1400.00} ) ( {$30.00} ) {$0.00} ( {$1500.00} ) XX/XX/2019 PAYMENT {$0.00} ( {$1500.00} ) {$0.00} ( {$1500.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Although I set up an auto payment arrangement with Navient 2018, they neglected to withdraw the payments from my account on two occasions. I cancelled the arrangement, and was ( and still am )  manually paying the loan on the first and fifteenth of each month ( from their website ). Even though payments are made regularly, Navient still continues to call and harass my mom ( who was a co-signer on the student loan ). I have asked them to stop calling, and my parents have as well. But they still continue to call. The harassment is extremely frustrating, and they have downright told me they will not stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I have been trying to remove an Public record that has been incorrectly reporting on my credit report. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation of not reporting 100 % accurate. I am not disputing that I file the bankruptcy. 

Currently listed on all 3 credit bureaus are different court names and different case number/Docket number. I ask you how can 3 of our Bureaus report 3 different record. 

I have went ahead and contacted Lexis Nexis to remove this inaccurate Public record. I already contacted the courts and have provided me the letter that they do not release any information to anyone. 

I have also attach a copy of there bankruptcy report and my Bankruptcy report showing different and incomplete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, CFPB. I am writing because I need your help. 

Back on XX/XX/2020 I tried to fix this issue with TD Bank, but they did not do anything to help me. This company is reporting wrong information, they have failed to investigate the item, these are violations under the Fair Credit Reporting Act. This is hugely affecting me emotionally. 

I am demanding the following item from my credit report : Target/TD bank acc # XXXX : Opened Date XX/XX/XXXX, XXXXClosed Date XX/XX/XXXX, XXXXLimit $ XXXX Bal {$0.00}. 

Please send the attached documents to TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Havent seen my credit since XXXX of XXXX. I call the bureaus XXXX XXXX XXXX and experian and nothing is reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America ( BofA ) is in conspiracy with XXXX XXXX  located in XXXX XXXX CA and XXXX XXXX XXXX ( XXXX ) located in XXXX, CA. The XXXX extortionists companies filed Notice of Default ( NOD ) without notifying my family last year XX/XX/XXXX, our home is in foreclosure and they set an auction date on XX/XX/XXXX, so they are involved in predatory lending/debt collection. Our home loan was modified in XX/XX/XXXX and our mortgage payments are current with XXXX, which is BofA 's financial partner, so we are not aware of this 2nd loan from BofA,  XXXX XXXX XXXX. They are harassing my family to take our home by foreclosure and high pressuring us to make $ XXXX down payment on XX/XX/XXXX and starting XX/XX/XXXX $ XXXX monthly payments for 6 years and repay $ XXXX in lumpsum payment after 6 yrs of repaying their collection billing/repayment plan. Our family is suffering from severe financial hardship because we are a one-paycheck household, my husband, who is the primary borrower, is unemployed. We have XXXX school age children and I have very expensive healthcare expenses because I have 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 2020-04-09
Company: Solomon and Solomon, P.C.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My account with XXXX is with a collection agency Solomon and solomon, on my credit report in XXXX it states account balance XXXX past due amount XXXX. I have made payments in XXXX of XXXX, in XX/XX/XXXX, XX/XX/XXXX and XX/XX/100. The latest report in XXXX states XXXX, how can that be if I made payments and on time. I have tried to call and was on hold for 10minutes, this is before the pandemic.they do not send out any statements and when you go on line there is no account statement, just make a payment. As stated earlier the account XXXX XXXX XXXX XXXX. In my opinion they are not reporting the correct amount and is a reflection on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor Balance XXXX This account is a fraud account opened in my name, I have contacted both companies in assistance with getting this account removed from my credit report.I am disputing fraudulent or inaccurate information on 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 2016-11-15
Company: KEYCORP
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Using Key Bank 's online portal, I performed a transfer of funds on XXXX XXXX, originating an ACH debit to XXXX of my checking accounts at another bank. Key ( Originating bank ) received funds on XXXX XXXX ( effective date ), which is the same date Receiving bank removed funds from my other account, but Key Bank still has n't made the funds available to me in the target checking ( as of XXXX XXXX XXXX. This is contrary to their disclosed funds availability disclosure and is an excessive delay for an electronic transaction. The bank has had my funds for over five days and has not made them available to me ( should have been on the effective date ). The branch tried to explain this had something to do with the bank holiday on XXXX XXXX, but that does n't explain why the credit half of this transactions originated on the XXXX does n't post for a full week. Key is always quick to post the debit half when it is the other way around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Berndt & Associates, P.C.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There was a debt that they filed a judgement for in 2014. After my wages were garnished and the balance reached {$0.00} in 2014, a Satisfaction of Judgement was not filed. When I reached out to the company today I was given a letter that appears that makes it appear as the payment has just now been paid in full and does not indicate that this was paid in full in 2014. 

For my career I need a Satisfaction of Judgement and the correct date that the debt was paid in full.

Company response to consumer: Closed with explanation