BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-24
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Unable to Get a copy of XXXXXXXX XXXX Note for XXXX spousal consolidation student loan currently being serviced by Navient : XXXX. I have tried to get a copy of my husband and mine 's Master Promissory Note ( MPN ) for our XXXX Joint Spousal Consolidation Student Loan from Navient for XXXX weeks now, since XX/XX/XXXX. I have called every week since- between XXXX pm as it is the only time I can - every time, after explaining that we need a copy of our XXXX mailed or email to us- it is always the same response : after a brief inquiry, I am placed on hold either to look into it further or to transfer me to someone that can help -It is old loan from XXXX and it seems none of them can find it and do not know what to do so I am placed on hold, a few times very long holds, over XXXX mins, only to be cut off or hung up on every time. This is beyond frustrating ; this document must be in their database, as without it- if it doesn't exist, then our loan is not valid and I highly doubt that is the case- I just need a copy sent to us..it seems like an easy request- it is the least thing they could do considering how we are unfairly trapped in this loan type as it is the only loan type that one can not reconsolidate. 

For Navient-I just want a copy of our Master Promissory Note Mailed to us- please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: PNC Bank N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a PNC SmartAccess prepaid card. On XXXX XXXX I tried to load {$1100.00} on the card at the branch ATM. I deposited {$600.00} then i tried to load {$500.00} more. A screen popped up saying i was exceeding my daily limit but gave me the option to enter an amount. I put {$300.00}. It accepted the {$300.00} but kept {$200.00} and didnt credit my account nor did it give the money back from the ATM. I immediately tried pulling the {$300.00} out thinking that it would give back the whole {$500.00}. It didnt. I called the number on the back of the card and filed a dispute. After a few days I call to check. The lady said they were still working on it. After 2 days I went into the branch in XXXX ga. I spoke with XXXX XXXX. She called and they said they were still working on the dispute and I should see something in my account within 4 days. I waited and nothing was in my account. I go back to the bank and spoke with the branch manager XXXX XXXX. He called and spoke with XXXX about it and she said today was the XXXX business day. He told her as per my agreement as the cardholder i was due a provisional credit. They hung up. I go home and I get a call from XXXX and the voicemail Message said I didnt have any dispute filed yet. I go back to the bank the next day and XXXX ended up getting the run around and I didnt get my money back still.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-12
Company: RFNA, LP
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Republic Finance calls me everyday, sometimes twice a day and never identities who they are in their voicemails. Addirionally, they call from a different phone number every time they call. Most recently before inquiring about a debt collection, they offered me an additional line of credit as if they were masking the reason for their call. In addition to repeated phone calls, they 've also begun calling me at work as well as calling my family members. I do n't know how they got my brother 's cell phone number because I did NOT give it to them. That is unacceptable. I 've missed XXXX payment. XXXX! They 've called me every single day for a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. 
XXXX  account : XXXX XXXX XXXX # XXXX, and XXXX XXXX # XXXX, and Child Support # XXXX. Has violated my rights. 
15 USC 1681 SECTION 602 A. STATES, I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 ; IT ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1692d-HARASSMENT OR ABUSE ( 2 ) THE USE OF OBSCENE OR PROFANE LANGUAGE OR LANGUAGE THE NATURAL CONSEQUENCE OF WHICH IS TO ABUSE THE HEARER OR READER. ( CAUSING MENTAL ANGUISH ) 15 USC 1692 b. ACQUISITION OF LOCATION INFORMATION.

ANY DEBT COLLECTOR COMMUNICATING WITH ANY PERSON OTHER THAN THE CONSUMER FOR THE PURPOSE OF ACQUIRING LOCATION INFORMATION ABOUT THE CONSUMER SHALL- ( 2 ) NOT STATE THAT SUCH CONSUMER OWES ANY DEBT TITLE 15- COMMERCE AND TRADE CHAPTER 94-PRIVACY SUBCHAPTER I - DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION SEC. 6802 - OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION 15 USC 1635 ( a ) DISCLOSURE OF OBLIGOR 'S RIGHT TO RESCIND, AND ( b ) RETURN OF MONEY OR PROPERTY FOLLOWING RESCISSION.

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 2020-06-17
Company: MoneyLion Inc.
State: NC
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 XX/XX/2020 Moneylion llc admitted that i made payment but reported that i have missed consistent payments with 120days late showing on my credit report i would like the error removed and full account removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Through nelnet, I tried to lower my monthly payments significantly due to my income. Orginally, my loan payment was almost {$800.00}. I also have private loans where my loan payment is {$900.00} a month and I could not pay either. I asked them to put me through a process to see if I can lower my monthly payments. I was put on foreberance for a month while they looked it over. I told them I needed more time than a month they said that 's all they could do. I also asked them if they could give me a general idea of what my new loan payment would be and they said {$150.00} due to my income. It took them over a month to process all my information. In the end they made my new payment {$300.00}. Something I still can not pay every month. I 'm now 60 days late. I either catch up on navinet or not pay my private loans. I constantly have to choose between XXXX or the other. I 'm so in debt I ca n't even live my life. I work XXXX jobs now and I 'm not able to get by. I tried to reach out to nelnet to see if they can help me out and they said there is not much they could do. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card
Issue: Rewards

Complaint:
On XXXX XXXX, 2016, I took a flight from XXXX to XXXX on Frontier Airlines. On the flight, I was offered a credit card application for Frontier Airlines. If approved, I would receive XXXX air miles and XXXX bonus miles after I paid the XXXX annual fee and made a purchase with my credit card. I received my card from Barclays Bank. The account open date was XXXX XXXX, 2016. On my statement from XXXX XXXX, 2016 to XXXX XXXX, 2016, I paid the annual fee of {$69.00} and made purchases of {$140.00}. 

I made a call to Frontier Airlines on XXXX XXXX, 2016 to find out why I had not received the XXXX miles. They said I would have to call Barclays Bank, which I did. 

I talked to a XXXX on XXXX XXXX, 2016, a woman on XXXX XXXX, 2016 ( I could n't understand her name ) and XXXX on XXXX XXXX, 2016. I was given a case number of XXXX. I was told that I had been given a temporary frequent flyer number and then a new frequent flyer number and they needed to merge the XXXX numbers. 

I called on XXXX XXXX and talked to XXXX and I was told that it should be corrected by Friday, XXXX XXXX. 

I called on XXXX XXXX and told XXXX that I wanted to talk to a supervisor about this and he put me on hold and never came back. 

I called back and got a representative that I could not understand. I asked to talk to a supervisor, she put me on hold and after five minutes on hold, I hung up.

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 2022-07-24
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Basic code of 15 usc1681 ( b ) ( 2 ) any company reporting on your consumer report needs my written permission to do so.. if my permission was not given you violated my rights to privacy pursuant to 15 usc 168 ( a ) ( 4 )..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: AR
Product: Other financial service
Sub-product: Check cashing
Issue: Customer service/Customer relations

Complaint:
My husband and I tried to cash a check from the XXXX XXXX XXXX XXXX ( my husbands work credit union ) at XXXX on XXXX/XXXX/2016. It was declined. I came home and called the credit union and they assured me that the check was good. We tried again at XXXX ( our bank is closed on Saturdays ), again the check was declined. I have called Certegy customer service over and over again. I have never spoken to a live person. All I ever get is a recording and then I am put on hold. Endless hold, for hours at a time. My husband and I never write checks, we use a debit card all the time. The only thing that I can figure out is that we do n't meet Certegy 's criteria, because we do n't write checks. What in the world does that have to do with us cashing a check?? This seems terribly unfair to me that we are being punished and unable to cash a check at a business that offers check cashing just because we do not write a lot of checks. It is horrible that they can decline to cash your check and they do n't have to tell you why. This seems illegal to me.

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 2016-08-22
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is a company stating I owe $ XXXX for an XXXX XXXX XXXX account which is false. Requested validation pending information in still. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
We applied online through Chase Slate for a " full '' balance transfer. We wanted to transfer our XXXX XXXX balance of {$45000.00} with a higher interest rate to Chase Slate. We got a letter in the mail saying that we were approved for {$3400.00}. At this time I called Chase Slate and said if you ca n't transfer the full amount of $ XXXX then I do n't want any transfer. They ignored that request and opened up the credit card account anyway, transferred {$3400.00} to XXXX XXXX and sent us a bill with a balance due of {$3400.00}. When we called them and asked them why they did this they did not have an answer. They said sorry. Completely unacceptable. We wanted only XXXX credit card with XXXX balance at the lowest interest rate we could get. If Chase Slate was not okay approving us for the full balance transfer that is fine. They should have stopped the process and let us know. At which point we would have said thank you very much we do n't want your credit card at all. Instead they just opened up an account for us with a balance that was not requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
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:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSOANL INFORMATION TO OPEN THE FOLOWING FRAUDULENT ACCOUNTS IN MY NAME : XXXX XXXX  XXXX  OPENED : XX/XX/XXXX AMT. XXXX XXXX   XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX  OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX  OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX. 
OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX THE FOLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX I HAVE ENCLOSED MY POLICE REPORT AND IDENTITY THEFT 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 explanation
Consumer complaint received 2017-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I have contacted transunion credit bureau on multiple occasions in regards to inaccurate inquires on my report. I have informed this company that I have been a victim of identity theft and I have put a free on my report. How ever this company refuses to remove unauthorized inquiries for XXXX XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. As per the FCRA transunion must report correct and true information on my credit file. These inquiries are unauthorized and I am asking that they be deleted. However transunion is violating my rights and privacy and I will take action by suit to have these false inquiries removed from my 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 explanation
Consumer complaint received 2020-06-17
Company: EQUIFAX, INC.
State: CA
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:
The company is used to determine line of credit and their credit score model does not update. Since covid 19 there has been no updates to any ones score especially mines. This is a violation of our rights as consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: Nationwide Debt Management Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
They called my place of business and asked for a supervisor after I requested they DO NOT call me at work. They have my cell phone number, there was no reason to call me at work again after I demanded they do n't. This WAS HUMILIATING and damaging to my job role.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bay view loans is reporting incorrect information. They are stating that I am over 120 days late on my mortgage payments. Originaly, the mortgage was first opened with XXXX. Everything was fine until the mortgage was sold to XXXX. Neither XXXX nor XXXX sent any kind of documents stating who the mortgage was with and where payments were being sent to. As of the beginning of XXXX, 2016, XXXX transferred the mortgage to bay view loans without anyone knowing. Bay view loans was n't even heard of until about XXXX 2016. XXXX XXXX has made no comment on selling the mortgage to bayview loans. Bay view loans still insist the house is in forclosure EVEN THOUGH XXXX DOCUMENTS HAVE BEEN SENT TO MY ADDRESS!!!!!!!!!!!!!!!!!!!! XXXX seems to not know much of anything and bayview loans will only send automated gibberish to consumer finance. I am alos trying to work with a lawyer on fixing the issue, but XXXX bank is refusing to cooperate with the situation. 

I am looking into if I can sue XXXX and bay view loans for not providing a single document and not notifying anyone about any changes. XXXX bank was been contacted about getting proofs of payment, but still refuse to work with myself or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I applied for a car from XXXX XXXX  on XX/XX/XXXX XXXX i was unsuccessful in purchasing the vehicle even though XXXX XXXXXXXX established that i have a XXXX credit score which I worked very hard to get. I accepted that I wouldnt get the car and moved on, after about a week I received a call from the dealership, which i missed. I instantly returned theyre call and i was informed that no one called me because the company is closed. i showed them proof of call that someone at their institution called. they denied and said theyre closed for the day. I suddenly decided to check my credit score only to see it lost XXXXpoints after I received a miss call from the same company i was not doing business with any more. i called them to ask why is my credit being run even though we arent conducting business anymore. I was transferred immediately and told me they do not know why. This was after theyd told me they were already closed and no one was available to talk. i have made several attempts to talk to some one in charge but they all had a nonchalant attitude so i then realized this company maliciously did this to hurt my credit score. They deliberately lied to me. They ran my credit over and over again without my permission. they did not have permission to run my credit because the conversation about getting a car was over and done with over a week back!

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 2022-07-24
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have NEVER missed or been late for a mortgage payment, yet Flagstar Bank regularly sends me delinquency notices! I have my house payment on automatic payment through my bank. Flagstar changes the payment amount, without notification of any sort, it is merely on the statement for that month. When I noticed the payment amount had been changed, I submitted the difference immediately. I have proof of that as well. This last one says I owe {$2700.00}. It reflects that the XXXX payment was not made, which it was. This is not true and I have proof the payment was sent and collected by Flagstar Bank. Unfounded late fee 's are applied as well.

Flagstar also entertains anyone that wishes to know how much the balance of my mortgage is, then turns around and charges me {$35.00} each time! XXXX through XXXX of 2021 a sum total of {$170.00} was added to my account because someone was calling in and collecting my balance information. I called Flagstar three times about this and they said there was nothing that could be done to stop the entity unless they decided to stop themself. There is no way to block these inquiries. The only way to learn of them is to see them on my statement with the subsequent {$35.00} fee, then call Flagstar and ask who it was, then call that entity and hope they will stop. If they don't, Flagstar will continue providing the information and charging me the {$35.00}. This is completely unfair business practices. Fee 's upon fee 's are applied to my account that has NEVER been late or missed!

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 2017-03-14
Company: Trademark Management Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I got a loan in XXXX for {$500.00}. After receiving this loan I made 2 payments of {$140.00}. I have not been able to make the last few payments yet. I then got a call from Trademark Solutions saying that I am being charged with check fraud and breach of contract and that they were taking me to court. I was also told they would garnish my paycheck, which I later found out is illegal to threaten me with. They said the only option to settle out of court was pay a total of XXXX-something dollars, or make {$400.00} per month payments totaling to about {$1300.00}. I only owe them $ XXXX {$300.00} dollars. I offered to pay this and was told no. I told them that 's all I can do and I was told too bad.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-08-16
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was struggling to repay my student loan in XXXX and XXXX XXXXNavient gave me the only option to pay {$50.00} for a foreberance review. Some months, I could not afford the {$50.00} fee. XXXX XXXXNavient gave me no other option for my loan.

Company response to consumer: Closed with explanation