BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Navient bought my federal loans from XXXX XXXX XX/XX/XXXX. Immediately i began having issues with them. My loan came out of a forbearence in XX/XX/XXXX and i filed the necessary forms to get an IBR ( income based repayment ) since i am unemployed. I mailed the IBR forms via usps with return receipt to indicate that they in fact received my forms. Two months later i received a notice that i needed to pay monthly on my loans. Nothing about getting an IBR. I called Navient right away and asked about my IBR. They stated they never received paperwork. I mailed it AGAIN. They stated they never received it. I talked to a supervisor and got a fax number and faxed the SAME paperwork via fax to the number the supervisor gave me. I followed it up with a phone call. They stated they never received it. I faxed the papers 6 more times and finally they received my forms. However, a week later, i call to check the status and they tell me the forms i used were too old. I told them they were the forms i printed out from Navient website so how can they be too old? The rep stated that now id need to cross out the date on the paperwork and date the forms within the last 6 months. So i fax it ALL AGAIN and they tell me they 've received it and my IBR will take 20 days to to process. The very next day i began receiving calls from a XXXX number which is Navient. They call my phone 6-8 times a day. I finally spoke to the rep and she tells me they want to help me with my student loans since they are out of deferment and my payments are now behind. I told the rep that i had just sent all forms and that i was told that my IBR was processing. The customer service rep says she has NO RECORD of any phone calls, any forms being received, nothing from me about the IBR. I asked the rep if they take notes and put the information in my account so that everyone at Navient is on the same page. She stated that they dont do that. So basically, ive wasted the last 6 months sending forms, calling, yelling, fighting with this company for nothing. They keep no record of anything and even if you speak to a supervisor, they still dont know whats going on with your account. 
They are not following the law, they are suppose to help borrowers who need help with repayments and offer them IBR/Forebearence where applicable. This is why Navient is being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed XXXX XXXX  account and was removed from my credit report due inaccuracies. Equifax put the account back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
In 2009 I lost my job and was unable to make the payments on my private student loan which caused them to go into default. I am now currently employed and want to rehab my credit. These private loans are hurting my future plans. I contacted the servicer Navient which is the new servicer on my loans and they will not help with any repayment options on my defaulted loans. I want to know how can I get back in goodstanding and show that I want to get these loans out of default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A Venmo account was opened without my authorization on XX/XX/21 at a time when my phone and purse were not in my possession, as I was at the salon getting my hair done. 
Several payments were made by the person that I suspect fraudulently opened the account, and she paid herself. 
I filed disputes with my credit card company and Venmo starts contacting me and trying to open disputes. When I talked to Venmo they opened the disputes in a completely different name than mine. I called them and Venmo keeps trying to engage in discussion about disputes, sending my identification to them when I did not even open the account. Im not sending my identification or social security number to a company that I never did business with, that already allowed fraud to happen to me. They could use my id to commit more fraud. 
All I have to do is to dispute with my bank, which Ive done. And I won. However Venmo wont shut down the account opened fraudulently unless I send them my identifying information and I go through their dispute process for specific transactions on an account I did not open. 
Nor will Venmo go after XXXX XXXX, the person the payments were allegedly made to. I dont want to or have to deal with Venmo but they refuse to shut down the account unless I comply with them and send them sensitive personal information that can subject me to more fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2018-07-22
Company: LEXISNEXIS
State: KY
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:
On or about XX/XX/2018, LexisNexis Consumer Center improperly allowed XXXX XXXX XXXX to have access to my personal consumer report/information without my authorization to do so. LexisNexis Consumer Center knew or should have known that XXXX XXXX XXXX did not receive permission or authorization directly from me to access my personal consumer report and/or driving history. XXXX XXXX XXXX had access to my social security number from an old policy many years ago. I did not give LexisNexis Consumer Center or XXXX XXXX XXXX permission to access my personal information without my authorization. This is clearly a violation of my consumer rights. LexisNexis Consumer Center also  improperly accessed my personal consumer report without my permission or authorization to do so. This is also a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: RoundPoint Mortgage Servicing LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to Covid 19, I am unable to pay my mortgage. We do not have enough money coming in to cover the mortgage and maintain my family. I apply for a forbearance Plan however, this will compile four month of payment at the end of the forbearance Plan. I live in XXXX XXXX XXXX, according to the governor, XXXX XXXX, the three month will be added to the end of my long. This is not what Roundpoint is offering. I am afraid that in XXXX, I will not be able to pay over 10,000 in mortgage payments. This is what they are stating on there website, At this time, Investors and Insurers are providing temporary relief for those financially impacted by COVID-19 through temporary forbearance plans ( a suspension of your monthly payments ). We will update this page and notify our customers as the Investors and Insurers release additional relief programs. 

Click below to request a temporary COVID-19 Forbearance Plan. 

https : //www.rpmservicing.com/coronavirus Please help me resolve this issue and insure that my home is secure.

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 2019-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The first name listed, ( XXXX XXXX ) is not me, or never has been me at any point in time. The only name I have ever had is XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. If you need to contact me you can please reach me at ( XXXX ) XXXX or at XXXX Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked them to provide me proof of this debt ie {$66.00}. never been able to provide, but yet they have submitted to Equifax XXXX ( XXXX ) times. XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Irrespective of the fact that no proof has been submitted of this debt, posting multiple times is not acceptable practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-12
Company: EQUIFAX, INC.
State: NC
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:
This is a demand for financial compensation due to erroneous reporting and failure to prevent erroneous reporting after the information was provided in detail regarding the inaccuracy of the reporting. 
I have just suffered the inability to receive an extended offer of credit due to this relationship between XXXX  and XXXX, through which the passing of data, unverified through a system, has violated the rights provided consumers to fair, accurate, factual reporting of consumer data. 
XXXX, after being provided with proof and factual information and evidence of inaccurate information being reported on my credit file ( See XXXX XXXX XXXX XXXX   and XXXX  Deletion Demand.. attached as examples ) and has replied with a templated response each time. Although after each response, details of the information in my credit file were modified, yet, closed by XXXX  as verified as accurate by data furnisher. I have requested information regarding what the creditor has provided to verify the account from XXXX  how the conclusion was made. 
The account in question is now, once again, being reported very inaccurately and I have demanded the account be deleted from my credit profile. After years as being reported as closed and Charged Off, on XX/XX/2020, my credit report was updated and my credit score took a significant dip as XXXX, again, inaccurately reported this account as Open, 180 days past due, and with a $ XXXX monthly payment ( see XXXX attached ), when on XX/XX/2020, the account was reported as Closed, Charged off ( see XXXX attached ). 
Again, by law, this reporting is prohibited and, given that I have repeatedly advised XXXX  of this inaccurate reporting, XXXX   and has gained financially from the data furnisher as a paid client over the integrity of the service it is required by law to provide. 
I have requested on several occasions that XXXX  remove or properly verify an account on my credit profile. Each time the request was made, without any additional information provided to me as proof, XXXX has simply updated and closed each investigation as verified as accurate by data furnisher. 
I have no relationship with XXXX, I have no account with XXXX, I have not engaged in any actions to provide XXXX to conduct this non factual and fraudulent reporting. 
Given the numerous times Ive given to correct and perform as required, and the failure of these organizations/ corporations to do so, XXXX  and XXXX must delete this information and compensate me within 15 days of receipt of this request. 

Cc to Equifax and XXXX  if they fail to comply as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
SPS, Select Portfolio Servicing , INC, a mortgage servicer, servicing loans in California is refusing to comply with HAMP modification guidelines. They have received a complete modification package on this file several times. They assure a response within 30 days. Thay have NEVER responded in writing as to a resolution to the file. They ask that we start all over because they did NOT review the file in a timely manner. I have submitted FOUR separate COMPLETE applications, and not once have they approved or denied in writing ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
See attatched XX/XX/XXXX statement confirms {$120.00}. Adjustment Purchase Temporary Credit NOT MADE PERMANET to BEGIN INVESTIGATION. ON WHAT WAS REFUNDED BY MERCHANT XX/XX/XXXX ON XXXX. A NEW PURCHASE {$120.00}. ON XXXX. Kindly Note XX/XX/XXXX statement attatched XXXX XXXX REFUND {$120.00} XX/XX/XXXX Kindly Note USAA REVERSED MERCHANTS CREDIT {$120.00} XX/XX/XXXX see attatched XX/XX/XXXX statement. On XX/XX/XXXX USAA Adjustment Purchase {$210.00} Temporary NOT MADE PERMANET CREDIT TO BEGIN INVESTIGATION ON WHAT WAS. REFUNDED BY MERCHANT see attatched XX/XX/XXXX statement XXXX XX/XX/XXXX On XXXX USAA REVERSED MERCHANTS CREDITS OF {$210.00} see attatched XX/XX/XXXX statement Adjustment Purchases XXXX {$110.00} Temporary. Credit NOT MADE PERMANET ON WHAT WAS REFUNDED BY MERCHANT XX/XX/XXXX & On XX/XX/XXXX USAA POSTS A NEW PURCHASE {$110.00} see XX/XX/XXXX statement USAA REVERSES STEALS MERCHANTS CREDITS.!!!!! See attatched XXXX XX/XX/XXXX ADjustment Purchases ALREADY PAID BY MERCHANTS see XX/XX/XXXX Statement REFUNDED {$12.00} THIS IS REVERSED XX/XX/XXXX. & {$26.00} {$9.00} ALL THESE MERCHANTS REFUNDS OF XX/XX/XXXX ARE REVERSED STOLEN BY USAA ON XX/XX/XXXX, XXXX see XX/XX/XXXX Statement. USAA ARE CROOKS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery placed unlimited calls on my cell. I am XXXX XXXX to the XXXX XXXX. I can't use my cell now because of all the Voice over IP calls. 
They put a XXXX dollar plus ding on my credit. I call the police the police came out said it is a sham. I am calling the FBI next IC3.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for  all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
On or about XX/XX/XXXX I filed a request to have several accounts deleted through the CFPB dispute system, refer to attached previous CFPB forms. 

I had also sent to all three credit bureaus via mail these same accounts to be disputed as well to XXXX, TransUnion, and XXXX  with no " investigative results report ''. TransUnion replied with a standard credit report, which was not requested, but an " investigative results report '' is what I should have received. Read the Trans Union cover sheet dated XX/XX/XXXX and the initial paragraph narration, its just a printed credit report. Refer to attached TransUnion cover sheet. 

Also, there are multiple addressses on my file that are not mine. I have disputed these addressess with XXXX, XXXX  and TransUnion with no results or cooperation.

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 2015-05-26
Company: BB&T CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Personal line of credit
Issue: Account terms and changes

Complaint:
I have had a long standing, perfect pay history, line of credit with XXXX. It is important to maintain a good credit score and I monitor mine. XXXX pulled out of Texas and sold all branches to BB & T. As a result, my 8 year, perfect standing, on-time payments, very low balance, line of credit with XXXX was closed and moved to BB & T. The problem is that BB & T now shows a new line of credit. The CFPB should dictate that when banks move accounts between each other, the acquiring bank must use the original open date of the credit / loan. The time the loan is open, on-time payments, and low percentage outstanding all contribute to a higher credit score. With NO action on the consumer 's part, my credit score went down by over XXXX points month-over-month because the several positives with XXXX, became slight negatives with BB & T ( new credit, new credit inquiry, no payment history ). No other changes occurred on my credit reports ( except slightly lower balances on month-end cycles on XXXX credit cards as compared to previous month - which should have resulted in an increased credit score ). In my case, my excellent credit rating went down to good but many other consumers would have been more detrimentally impacted. This is an opportunity for the CFPB to make the banks change their account conversion / account acquisition practices, and methods to not negatively impact the consumer. Of course the consumer credit score effects the rating and interest rate on new credit, extension of credit, etc. This complaint should be directed against both XXXX and BB & T.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: World Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I will attach a file showing I have repeated tried to contact the company via certified mail, asking for proof that this debt belongs to me. My request were not answered and were ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: Total Card, Inc.
State: NE
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:
They are reporting a balance of {$110.00} on my credit report. This information is inaccurate because, I made a payment for {$110.00} on XX/XX/20 that posted to my account on XX/XX/20. However, they did not update my credit report with this information. This will bring my account to a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XXXX I had XXXX in usd as well as coin in a coin base account. I tried to add photo id to my profile and their system malfunctioned- or perhaps functioned purposefully - and it locked me out of the financials of my account. I have desperately trying to call them for 4 days. No answer no return call. All they allow is email and all you get back are autoreaponders! I want my money back! Please help me Go on XXXX to research this issue. Hundreds of people are reporting this exact same experience with coinbase!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: KEYCORP
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Key Bank does n't have legitimate credit card customer service. I 'm missing a credit for XXXX on my statement, and do n't know why, and they 're not able to legitimately explain as to why they 're are several debits and credits on my account and where are they coming from. My letter I was supposed to get got lost in the mail or something or they never sent it. It 's XXXX credits for XXXX for XXXX XXXX XXXX XXXX, and XXXX for XXXX from XXXX. They should at least be able to proactively explain why the charges were n't reversed and why you should legitimately received a credit. But I just keep getting transferred between disputes and customer service and nobody seems to care that the proper adjustments that needed to be made as well. A complaint has been submitted at the customer service level and corporate level, but they need to look into this issue and get it resolved ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: Experian Information Solutions Inc.
State: NE
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:
They are reporting a balance of {$110.00} on my credit report. This information is inaccurate because, I made a payment for {$110.00} on XX/XX/20 that posted to my account on XX/XX/20. However, they did not update my credit report with this information. This will bring my account to a {$0.00} balance.

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