BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-04
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was recently laid off from my job and attempted to see if I could get my student loans from Navient temporarily suspended until I could find work again so that I could continue making payments. Navient told me my only option was to put the loans on forbearance for 3 months and they would have to charge me {$150.00} for this service ( completely unacceptable to take advantage of someone this vulnerable! ). I have also attempted to lower my monthly payments of {$500.00} with them and come to finally find out that I 'm only on a 5 year term repayment plan ( which I was never informed about ; no wonder I 'm paying {$500.00} a month! ) They informed me that in order to lower my monthly payments they would have to extend my terms which would require a credit check ( not sure why that is ) and my co-signer would have to prove she is not able to make the payments either. I 've attempted to remove my co-signer a few times off of my loans as I 'm no longer in contact with them and I 'm XXXX years old and no longer need a co-signer. Navient is extremely difficult to work with and I want my payments temporarily suspended until I can find a job without getting charged for it, I want my monthly payments lowered, and my co-signer removed from my loans without her permission as I 'm XXXX years old, no longer need a co-signer, and I 'm the primary on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: MO
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:
15 U.S.C 1681 section 602 A - Right to privacy 15 U.S.C 1681 section 604 A - states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C 1692K - CIVIL LIABILITIES XXXX  XXXX - XXXX - This account is reporting illegally and improperly XXXX XXXX - XXXX - Account should have never been reported to my credit, I also have a letter from the original saying it will be removed from credit report. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX - I have never attended this school XXXX XXXX XXXX XXXX XXXXXXXX - I have never attended this school. Letter is attached Review and delete ASAP. 

I just can't believe how you guys are verifying inaccurate and improper information, this has caused me so much stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone has attempted to fraudulently open banking accountings with US Bank, XXXX, and XXXX bank using my personal information. I received notices from each of these banks requesting me to verify my account information. US Bank directed me to file this 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 2015-08-17
Company: JPMORGAN CHASE & CO.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I co-sign for a private loan J P Morgan chase bank education -finance for my son back on XX/XX/XXXX. My son can not repay is loan since back because of is financial situation.I been making payments along with my husband never missing a payment.Since that time we have filed for bankruptcy and both become disabled.Sill as of XX/XX/XXXX we are not behind or missed a payment. My problem with the lender i have contacted them explaining the situation and asked the them to work with me. They only agreed to a forbearance well that just tact 's on additional interest. I asked for a lower interest rate i was denied i asked for any ideas they may have none. Please look into this matter on my behalf and my sons Thank you Please contact for further information. I have submitted documentation on my XXXX if need be my husband can be submitted too.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: ENCORE CAPITAL GROUP INC.
State: PR
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
midland funding llc called my home repeatedly monday - sunday 7 -12 times a day i settled XXXX co. throuhg them which was unfair debt collecting for charged off over 4 years. they called my home sundays at XXXXnow they are sueing me for a original creditor XXXX bank for XXXX '' XXXX which i received a notice from XXXX suing XXXX for wrongdoings starting XX/XX/XXXX i had been part of a settlement XXXX did with my account concerning payment protection. i became XXXX with XXXX XXXX and got the notice XXXX gambling for wages too and lost XXXX dollars. i am sick from midland credit using abusive illegal collection tactics.the settlement offer was XXXX and i paid XXXX payments of XXXX then stopped i realized the account was charged off. i recieved notice XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: WELLS FARGO & COMPANY
State: IA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Several months back, I was told by a banker at Wells Fargo that I could sign up for " overdraft protection '' by having my savings account tied to my checking. I was told that if I ever overdrew my checking account, that the funds would be automatically transferred from my savings. I have recently closed the savings account, due to loss of income, and reviewed my checking and savings history over the last few months. I noticed several {$12.00} charges for each automatic transfer from my savings to my checking. I was not informed of these charges when I agreed to the option. Had I been aware of the charges, I never would have agreed since I can transfer the funds myself online for free. I attempted to contact Wellls Fargo, explain the issue, and request a refund. I was told by the operator that they always tell people about the fees associated with these transfers, and that they will not refund the money. The most they could offer was a flat {$37.00} for the inconvenience. I explained to the operator that any fees associated with an account service have to be disclosed beforehand. I also requested that they review the call log to verify that I was not informed of the fee ; He refused. Wells Fargo should not call these types of programs " overdraft protection '' without disclosing the fees. It misleads consumers to think they are " protected '' from those fees when they sign up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: EQUIFAX, INC.
State: MS
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:
In XX/XX/XXXX added money to a fixed mortgage credit score dropped because of it! paymeants were XXXX was paying XXXX a month couldnt tell me were my money is that I over paid for year and a half to be ahead then in XX/XX/XXXX this year closed my account a 20 yr mortgage with no warning Im in middle of a loan that is on hold cause of virus going and was alerted that my score dropped 40points again because of same people which u cant get a hold of them sent me a statement for next month but nothing on being sold again had to reach to find who took over and now they are missed up to cause they dont have life insurance that I have paid for for 20 yrs also with the last year they have done but cost me money and hurt me financially for there mistakes!! the amount of loan the loan being closed adding money to the loan reunion my credit and takin my money on life insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: OH
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'm really upset after seeing my credit report and discovering these erroneous and unverifiable accounts, as I have no recollection of any of them. This issue must be resolved as soon as possible. Because you are blatantly ignoring me, I will not wait another 50 days for a response. Section 611 ( a ) expressly states that failure to investigate these things within 30 days is grounds for removing them from my credit report immediately. They should be erased as soon as possible because they have been 60 days.

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 2016-09-08
Company: GREAT LAKES
State: NJ
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:
I am currently a XXXX and have been since XXXX 2014. However, in XX/XX/XXXX my Stafford loans from my XXXX were taken off of in-school deferment status by my servicer ( Great Lakes ) and I was asked to resume repayment and interest started accruing on my subsidized loans, which should be interest free while I am in school. 

I have twice submitted the form documenting my XXXX status ( signed by the registrar at my current university ), spoken with Great Lakes on the phone at least 8 times, and sent multiple emails trying to resolve the situation but they still have not resolved the issue. I have been given the run around rather than people actually trying to help me. For example, I was told they could not help me because their " system was temporarily down '' on multiple occasions separated by several weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: U.S. BANCORP
State: WA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I am in the process of rebuilding my credit after a bankruptcy, and US Bank told me that if I get a prepaid card, my account can be reviewed in XXXX months with the likelihood that I will quality for a credit card. XXXX months elapsed, I inquired, and they told me I had been given the wrong information and that I will likely be able to get a credit card after one year. XXXX year elapsed, and I again applied for a credit card. The answer continued to be " no, no, and more no. '' In the meantime, they collect fees on this card, and would continue to collect fees except for the fact that I just closed the account. While claiming this was a tool to rebuild my credit, it seems to me to be a bait-and-switch gimmick that just racks up money for the bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
On my TransUnion credit report I have addresses that I no longer live over 20 years on debt and addresses and phone numbers..

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 2016-09-11
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
On XXXX XXXX, 2016 I made a online purchase at XXXX for a HP Envy XXXX All-In-One Printer. On XXXX XXXX, XXXX XXXX received an electronic transfer from my bank in the amount of {$57.00}. On XXXX XXXX, 2016 I received in the mail the wrong printer. I received a HP Envy 4516. The start up disc that accompanied the Envy 4516 was for a Envy 4510 which according to the download error messages was only compatible with Windows 8. I ordered the the 4520 because the product description on XXXX stated that it was compatible with Windows 10 of which I run on my computers. The packing slip that accompanied the wrong computer identified XXXX as the company placing the order and shipping the item. On XXXX XXXX, 2016 I spoke with XXXX customer service representatives from XXXX. They each said that XXXX was not responsible for the item and I needed to send the item to XXXX who is listed on the XXXX website as the sold by company. On XXXX XXXX, 2016 I spoke with XXXX Manager, XXXX of the Corporate Escalation Division who stated that XXXX was not responsible for the product. According to the XXXX Return Policy : Items purchased at XXXX XXXX be returned to the store or by mail, unless stated otherwise in the list of exceptions below ( there was no list of exceptions stated in this return policy ). Items must be returned in the original manufactured package. Items purchased from a marketplace retailer ( I did not purchase the item from a marketplace retailer ) can not be return to a XXXX store or XXXX ; item must be return back to the marketplace retailer. I had no purchase interaction with XXXX, do n't know if it exists. XXXX took full responsibility as the company processing the order and shipping the order via email contact to me. According to XXXX Terms of Use # XXXX : By purchasing a product by any of our marketplace seller you acknowledge that all orders will be fulfilled by the marketplace retailer and not XXXX. Well my item was not fulfilled by XXXX nor any other marketplace retailer because XXXX did not engage in any purchase transaction transfer with me. XXXX did. Just like XXXX, XXXX and XXXX, are third party sellers in the XXXX stores I have purchased their items in the store and returned to the XXXX store when there was an issue with the item. As a XXXX customer I deserved to be given the same precedent that is used to satisfy their other customers as well. I wish to take the printer back to the nearest XXXX store and receive my refund the same as XXXX was received transfer funds prior to me receiving the printer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-17
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I had cosign for a {$20000.00} student loan for my step daughter, but the XXXX XXXX loan services add another {$84000.00} on my name which I never sign for and now they are forcing me to pay the full amount of the loan back which is {$100000.00}. 
or they will report it to the credit reporting agency that I was late, my credit is perfect and I 'm not willing to lose my credit just because this company adding all those loans to my account and I have never sign for it I do have all the loans documents that I had sign for. 
Is this the way to steal the public money? They better remove my name from the {$84000.00} now or I will take a legal action soon. I been talking to this company for a wile but they are not responding at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Synovus Bank
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I deposited my check of {$320.00} with my cash tips for a total of {$560.00}. 

They told me they'd be withholding my check for over TWO WEEKS before the funds would become available which puts me out of being able to pay my rent for nearly no reason. This check was a payroll check and has no reason to be withheld except for the fact my account is less than 30 days old. 

On top of already making less money due to the pandemic now I am sitting around wondering how I'm going to pay my bills until the middle of the month when my pay check from LAST MONTH finally becomes available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: Campus Student Funding, LLC
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Case number : XXXX To Whom It May Concern, I was informed that my for profit student loan is owned by Campus Student Funding , LLC and not XXXX XXXX XXXX, XXXX so this complaint has to be filed with Campus Student Funding , LLC instead of XXXX they just service my loan and do not have the authority to eliminate or reduce my loan. I was also told that my loan was not part of the settlement which I know is not the case. XXXX XXXX and XXXX XXXX ordered that funds in the millions be set for current and former students of XXXX XXXX for loan forgiveness or borrowers defense to repayment on both fed and for profit loans which includes XXXX XXXX which switched to Campus Student Funding , LLC which I think smells fishy that as soon as all this came out my loan switched hands so quickly. XXXX and XXXX both stressed that people should not enroll in these colleges in Illinois. Just because my loan was sold or transferred does not change anything I ca n't just trade-in, exchange or sell my XXXX education for a new XXXX it has no value and I should n't have to keep paying on it. The incidents of fraud and scams by XXXX XXXX and XXXX XXXX are all over the internet, hit the news and was even aired on XXXX based right here in XXXX. Do you think the companies I apply to will understand if I put on my resume that all the other Corinthian colleges committed fraud and bad lending practices but XXXX in XXXX XXXX, IL. I am requesting that my student loan account # XXXX be placed in borrowers defense to repayment. 


Thank you, XXXX XXXX

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 2017-03-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I was scammed into giving XXXX to a man who stated he did investments He has since not kept his promises. 1 month ago he told me he was going to block my account and I will not get my money back. I posted XXXX with XXXX different banks and this XXXX bank refuses to help me because they said I gave my card number out. I used it as a credit card so I would have the protection but the bank is declining even looking into it. I do have a lot of documentation as well as the other bank processed the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is my 2nd complaint about this company and nothing was resolved with the first complaint. 

I was in a COVID 19 forbearance with XXXX XXXXe and they sold my account to Freedom Mortgage on XX/XX/22. I made 3 months worth of payments to Freedom Mortgage in the amoun of {$4000.00} on approx XX/XX/22. Freedom Mortgage told me they were honoring my agreement with XXXX and they have not. 

I have been harassed with phone calls, threatening letters stating I am in default and they will be foreclosing on my property that has been paid by the COVID 19 modification money as well as my payment. I owe nothing until XX/XX/22 and I am constantly harrassed. 

They are now stating that I owe them for the month of XXXX and I DO NOT! They are paid until XX/XX/XXXX and they ALSO put me in a forebearance. I am afraid of losing my home at this point and I need to know if there is anything legal I can do through you to make them stop. They are screwing up my mortgage and I don't want them as my service provider because of this. It has been almost 3 months and they have done nothing but harass me the whole time. I NEED HELP!! 

They are deceptive and will not post all of my money to my account!

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
At the beginning of the year I hired XXXX to help me fix my credit and remove negative items. The law firm sent out challenges, letters, etc to specific companies one of which is XXXX and XXXX. 

Fast forward to XX/XX/2022 XXXX and XXXX XXXX removed their negative item from my Transunion credit report. So I assumed the company responded or didnt respond to XXXX. 

Today they readded it without notification or reason.

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 2015-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I see on my credit report that I have approx 18 months of 120 days on my mortgage loan. I was divorced XX/XX/XXXX, and the house was awarded to my husband. He moved in XX/XX/XXXX and never paid another payment. The house was sold approx 2.5 yrs ago and the back payments were settled by the proceeds of the sale.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: ZIONS BANCORPORATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX equity advertised 12 % return on money invested with them if held for 1 year. I agreed to invest the min amount of {$10000.00} ( XX/XX/2021 ) then later another {$10000.00} ( XX/XX/2021 ). The company was serve a cease and desist. They promised to return my investment but disappeared and never responded via phone or email. The company scammed me of {$20000.00}, I transferred the money to the scammers through Zions Bank

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