BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-11
Company: Navient Solutions, LLC.
State: NH
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 had a repayment plan setup with Navient. I was told that in the event I did n't have money in my account for a scheduled payment I would need to call no later than XXXX one business day before the withdrawal. I called before XXXX the day prior to withdrawl, spoke with someone who shifted my payment date later in the month. CONFIRMED that this was shifted. I received confirmation numbers for the new dates. Navient debited my account anyway on the XXXX putting me negative and triggering overdraft fees. When I called to have this fixed on the XXXX of XXXX I was told that no one knew anything and an investigation had to be performed that no refund was possible until after the investigation and that I would hear back soon. I did n't hear back. I called back on the XXXX of XXXX and was disconnected 3 times trying to get information about my complaint. Eventually I was able to speak to someone who had some magical ability previously absent from other representatives to look at my account. He was able to determine what actually happened was that the " request '' I had called about on the XXXX was n't able to be processed, despite me having confirmation from the rep on the XXXX and confirmation numbers. No one knows anything. I should have been promptly refunded on the XXXX when I called and instead representatives from Navient chose to lie to try and avoid the reality of their actions. 

Navient withdrew money from my account without authorization. This has caused me extreme hardship as I am not able to buy groceries to feed my family. What they did was blatantly illegal and they do everything in their power to make it all but impossible to force them to correct their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Credit determination

Complaint:
I applied for the Chase British Airways Visa Signature Credit Card and it was declined to me on the basis that I have earned Cardmember Bonus on this card in the past 12 months. I have never owned this product. Chase sent me the letter declining the card and no where in the letter left a number where I can call to get more information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I was under XXXX XXXX until the end of XX/XX/XXXX. The mortgage company said they had mailed loan modification paperwork but I never received it. After several calls to the mortgage company they continued to to tell me that I was under XXXX XXXX and that they had re-submitted the account for loan modification. In XX/XX/XXXX I got the loan modification paperwork from the mortgage company, and got it sent back to the mortgage company. In XX/XX/XXXX I began remaking payments. The mortgage company is reporting to the credit bureaus that I was XXXX XXXX in XX/XX/XXXX and XXXX XXXX late in XX/XX/XXXX, and they also reported an amount that was past due. This has affected my credit and also caused a credit account to be closed when I had always made payments to that credit 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 2016-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card
Issue: Transaction issue

Complaint:
I made a {$210.00} dollar payment to my credit card in XXXX BOA didnt include as a Payment and I was charged a 30 day late ( no notification ). I was n't notified, nor was there any indication that my payment did n't go through. I am also signed up for paperless billing ( have been since it 's been available ). Since that did n't go through, my past due wasnt applied and now they have dinged me for a XXXX 30 day late. The only way I have found out was with a call. When I tried to resolve the issue Customer Support was extremely rude and wouldnt let me speak with a manager since " he wont tell you any different, he told me to tell you that ''. He said the call was recorded so if you listen to it you can hear how horrible they were. The managers name, who would n't speak to me is XXXX XXXX. I work for a mortgage company and have for the past 10 years, the way they handled this is more than unfair and I am seeking out an attorney just for the simple fact that they should be allowed to treat people like this. They have already been charged with unfair billing practices before.

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 monetary relief
Consumer complaint received 2016-01-13
Company: Navient Solutions, LLC.
State: FL
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:
I 've spoken to numerous representatives, supervisors and managers. All with inconsistent statements regarding my account. Some say I 'm current others say I 'm not. I 'd graduated in 2010 with a XXXX and after my deferment period, I 've commenced making payments via a payment plan. I was told that my payments will cover all loans owed. 

Recently I 've been unemployed ; however, I was able to maintain my payments. Within one ( 1 ) month, I 've spoken to several representatives and a manager with inconsistent statements. They all claim loan number XXXX ( XXXX ) is late but can not tell me exactly when I was late so I can perform research and compare my bank statements for accuracy. This loan has been reported to my credit bureau as late ; however, several representatives reviewed my account and stated that my payments were not applied correctly or misallocated causing a " late '' status on XXXX XXXX/Navient 's computer systems and derogatory information reported on my credit reports. 
The representatives offered forbearances which will generate additional interest. This is without merit due to my loans being paid on time. I 've previously disputed the " late '' accuracy multiple times through representatives, managers and Navient 's Office of Student Advocate with no avail, no ownership nor follow-up. 
I 've been unemployed for at least four ( 4 ) months and during my job search within the banking industry, my credit score will make the difference of obtaining a position. I 'm more than qualified for the positions I 've applied to ; therefore, I have no choice but to assume my credit score due to the inaccurate reporting by your company for loan # XXXX is the deciding factor. 

In addition, a representative recently deceived me into believing I was enrolled in a new payment plan when in reality I was set up to pay {$1200.00} a month automatically debited from my bank account, which is out of my payment capabilities. I 'm frustrated and exhausted with this lengthy and time-consuming struggle with your company to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Experian Information Solutions Inc.
State: NV
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:
REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX


MY ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

MY PHONE NUMBER IS

XXXX XXXX XXXX

MY EMAIL ADDRESS IS

XXXX


MY SECOND HOME ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE

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 2021-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Previously submitted a claim XXXX, but it was closed by cfpb without my knowledge or acceptance of the response from Navient. 

On XXXX XXXX, Navient contacted me XXXX times, due to payment was due on Student Loan. On the evening of the XXXX, finally got a call from a live person and was able to discuss the loan. I asked a question about getting a quarterly statement of some type of statement from Navient, for which I had received nothing from anyone until it was time to pay back the loan and my son was not enrolled in school any more. If I had received something, I would have been able to make a decision to start paying down the $ XXXX loan, which has now has almost XXXX. I was told by the representative that I should have called them as I know I had an obligation. My question to you is, does n't the financial institution have an obligation to send me a statement, quarterly, semi annually, or something. In the pdf response to be initial claim, the document tells me that I should have received annual statements, which I did not ever receive. And, from Navient representative she confirmed that between XX/XX/XXXX and XX/XX/XXXX, there was no correspondence. 
On XXXX XXXX, I requested a paper Pay-Off letter from Navient and have never received anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have requested a refund of my student loan taken out in XXXX for {$5500.00} which was paid off in full during the Covid forbearance period so that I can apply for forgiveness. I made approximately {$4700.00} in payments to Fed Loan Servicing before my account was transferred to XXXX. I made the last payment of {$830.00} to XXXX. I received a refund from XXXX for {$830.00}, and my balance on the loan increased to reflect that. I have been calling Fed Loan and XXXX since XX/XX/XXXX trying to get the remaining {$4700.00} refunded so that it can be forgiven under the Biden plan. I have spoken to probably XXXX people on both companies that have told me so much conflicting information I want to pull my hair out. I would like to get a straight answer if that is possible. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In regards to a past credit card debt that my ex-husband obtained prior to our divorce. Debt is greater than seven years old and company maintains that it is not despite the fact that they changed company names which apparently started the date of collection over again. Company is Midland Credit Management , Inc . They continue to change my balance amount on my credit such as ; XXXX/XXXX/2015 balance amount changed from {$210.00} to {$1000.00}, on XXXX/XXXX/2015 account balance has increased by {$790.00} from {$210.00} to {$1000.00}, on XXXX/XXXX/2015 account balance has increased by $ 366 % from {$210.00} to {$1000.00}. On XXXX/XXXX/2015 account has decreased by {$790.00} from {$1000.00} to {$210.00}. On XXXX/XXXX/2015 account has increased by {$790.00} from {$210.00} to {$1000.00}. Please note that Midland has never sent my any option to pay the lesser amount, only the higher amount. They make numerous reports to my credit which keeps driving my score down when I am trying to build my credit up to purchase a home. This account is the only negative account that I have. I refuse pay this bill as it is past the time in which they can legally collect and due to them intentionally trying to ruin my credit. I have spoken with them on numerous occasions notifying them that it is too old to collect on and questioning why they were changing my balances on my credit report which they deny doing. I am a member of XXXX therefore I have record of all the changes Midland has made on my credit report. I am not sure what other steps to take to resolve this matter. Please let me know of any suggestions you may have. Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-03
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card
Issue: Rewards

Complaint:
I held an American Express card for 1 year was closed down all of a sudden without warning and all my points ( ~ $ XXXX ) I had earned from purchases were taken back. I would understand if it was a sign up bonus that I had not earned, but these points were earned as a result of spending. I have contacted American Express over XXXX XXXX times in a span of 3 weeks and nothing has been done to return my rewards. I have held multiple cards over the last 7 years with American Express and for them to close down my account and take back all of the points without warning seems like an extreme punishment. Some sort of warning should be mandatory or at least payout the points earned. Please help me resolve the issue by having them reinstate my account or pay me out for the points earned. I have read of others who have also been shutdown without warning but were able to get paid out for their points ( which is an acceptable outcome ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a notice from Portfolio Recovery Associates , LLC about a credit card from XXXX/XXXX/XXXX. I received this notice on XXXX XXXX, XXXX. They say that they have had this since XXXX/XXXX/XXXX. they want me to pay {$2200.00} for this debit. First off it has been 15 years since debit was made. Second I do n't believe this is my debit. It has been on my credit for years and I have constantly questioned this. These people have called me on my cell phone all times of day. The last time I was called I was in the store. The lady was extremely rude and stated " Let me finish what I have to say before I listen to you. '' I then told her for the 100th time that they are harrassing me and to please leave me alone. they continue to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022, Paypal permanently limited my Paypal account without providing any valid reason. 

When I ask for a reason, they say there's a " potential risk '' on my account but refuses to tell me what this risk is supposed to be. 

They won't release my fund to me as a result and was told I have to wait for 180 days to get it. 

However, upon research I found out that they never even give it to you after 180 days. 

https : XXXX I asked them to at least refund the money back to the original buyer of my service if they can't release the fund to me but they won't do that either. 

I can't even log in to their system anymore because they locked me out. They told me I should be able to log in again after 24 hours but I can't trust them. 

Please help me out. I will provide you any personal information necessary if asked to provide. You can do a background check on me with FBI, CIA or whoever because I am an innocent law-abiding citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Consumer Adjustment Company Incorporated
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian and XXXX are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially, and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2015 Balance : {$45000.00}

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 2022-11-04
Company: Experian Information Solutions 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:
Just thinking of the days, weeks and months that Ive been struggling to make you understand that the items are not mine makes me insane. Really?! Ive been doing this for months now but I got no answer from you there at Experian. I already contacted the furnisher and they agreed to remove the accounts from my file but here you are continuing to report these fraudulent accounts on my credit file.Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-11-04
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
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:
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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit

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 2016-09-15
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have an account opened in my name at Wells Fargo and I never held an account there.

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