BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been disputing information on my Equifax credit report for the last nine months. I was a victim of credit fraud with several creditors. I was successfully in contacting some of the creditors and submitting the same documents that I submitted to Equifax and they submitted a request for them to be removed. Equifax is sending me letters saying that they found them to be all factual and accurate. I have been out of the country deployed for nine months when all of this happen and they still refuse to remove these inquires even though I submitted copies of deployment orders, I do not reside in the state where it occurred, I submitted all requested documents that they asked for, and place a fraud alert on my credit report. The keep sending me letters to my home saying that they find everything to be factual while I m still deployed. I have upload a copy of my deployment orders. This is the only document that I have to upload at the moment are my deployment ordres since I am still deployed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have notified Equifax many times that there are incorrect addresses on file that do not belong to me : XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX, XXXX, GA. I need your help in getting these incorrect addresses remove from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am a cosigner on a student loan owned by Navient. The borrower has moved out of the country and is not responding to any collection activity. This loan was originally a XXXX loan for {$6000.00} in 2004. I have made several attempts to settle this loan only to have the borrower put it in forbearance and Navient ceased to communicate with me. When the last forbearance ended no payments were made. Since XX/XX/XXXX I have been attempting to settle this account. I have been trying to provide a cosigner waiver payoff, for {$4000.00}, an amount that I did not think was fair, however I was willing to pay it to be free of the harassment. I refused to give them my back account information and wanted to receive written assurances that I would be free and clear of this debit. So far, they refuse to give me a routing number so I can make a wire transfer. I have been told so many different things by people claiming to be a file manager ( that can not access my emails to them or the ones they have sent to me ) that it is pointless to speak to anyone on the phone. Recently they told us that a check from a bank we have never used bounced and that our cosigner waiver was null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2015-12-14
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
All of the medical bills on collection should have been paid off by XXXX. I have XXXX and because of my low income, they pay 100 % of my doctor and hospital bills. If the original billers would just contact XXXX, they would find out, and my credit would not be effected. 
Please, can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Student loan provider only offered limited solutions to help me. Due to a medical issue Ive been out of work and unable to afford my payments, Navient representatives have made it seem like my only option was the amount that they requested and nothing less.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: 1st Capital Mortgage, LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
We started the process of getting our Home Loan with XXXX XX/XX/XXXX, and were pre-approved with paperwork in to the underwrite by XXXX. We were told it would take 7 or 8 days to hear back from the underwriter. During this process, we sold our house under the confidence from XXXX that we had a loan to buy a new home. After constant asking, calling, and texting XXXX, as well as our realtor trying to get any info from them, we were told XX/XX/XXXX that we were not approved due to me having a part time job. This is 3 days before we were to close on our old house, and were supposed to close on the new house, and also 24 days after it went in to underwriting. This is well beyond the 7 or 8 days we were told. We came to find out that XXXX underwriters were fired, however, that does in no way make up for lack of communication with us. After speaking with XXXX to figure out a solution, we were told on XX/XX/XXXX they would make an exception for my job. We gathered paperwork up nearly daily as soon as we were asked for it, because now we were homeless and needing to complete the process. Instead of giving us all the conditions at once, they wasted time by adding a new item here and there. After another couple of weeks with little communication yet again and us having to postpone closing twice now, along with the seller getting upset that they were not communicating because it affected them, we were told no loan approval. Now we are out for 2 weeks of hotel costs, having to store our belongings and spending nearly XXXX dollars on that, and nearly having to eat out every meal. We went with a new lender and signed disclosures day 1, it went in to underwriting on day 2 ( friday ), out of underwriting that Monday, and told we were officially closing on Wednesday and we closed XX/XX/XXXX. The stress and financial burden caused by there lack of communication and lack of professionalism was unacceptable. I have sent the manager XXXX emails now and have not been responded too at all. I was asking for financial reimbursement and am now being ignored. I know his email works because he responded to our realtor about something different and he also texted me about something different as well. I want to do it in email to have proof of response instead of just verbal. We would like to work this out directly but they are leaving us few choices. We have been suggested small claims court as well by reputable people, but we were first told to try and go through Consumer Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2022, my check was stolen by someone for {$5000.00}. I did not receive and use the check, but the thief took the check and withdrew the money. I want the Bank of America to compensate me for this money.

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 2016-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Credit is too old .should be removed from my credit after 7-10 years and it has been past that

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 2017-01-19
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
My original lender was XXXX XXXX and my loans were turned over to Navient where they went through several changes and went from stafford to private loans without my consent. They have gone from subsidized to unsubsidized repeatedly without any explanation. They are listed multiple times on my credit report. They are listed as XXXX XXXX, XXXX, and some as Navient. They each have multiple listings for the loans and I ca n't make any sense of it. I have been turned down by lenders due to the inconsistency on my credit reports with my student loans. Under the Navient website they have multiple loans for multiple amounts which I do not recall taking out, many of which have the same disbursement dates which I do n't understand if it was disbursed on the same day then why is n't it just one loan instead of multiples? This is very misleading and shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Ocwen Financial Corporation
State: AR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Ocwen. I had to file bankruptcy in XX/XX/XXXX in order to keep my house. There were areas of accounting that I could not prove, but I have been keeping betters records. My bankruptcy was discharged in XX/XX/XXXX. Ocwen kept telling me that my account was in active bankruptcy. I had to call and call and I could not get anyone at Ocwen to do anything about it. Ocwen finally did an " audit of my account in XXXX of this year. Ocwen has claimed that sine XX/XX/XXXX I was a month behind on payments. I have a report from them dated XXXX XXXX that showed I made a payment every month until XX/XX/XXXX and I have bank statements that show payments every month through XXXX XXXX. Ocwen shows on their website and at the reporting credit bureaus that I have missed XXXX payment during the last year. I HAVE NOT!!! They refuse to correct the credit report. Ocwen has added insurance to my account and under bankruptcy they opened an escrow account for the insurance. XXXX billed the payment to Ocwen and as of XX/XX/XXXX I have paid the full premium for the insurance. I now have a positive balance in the amount of {$2.00}. Now Ocwen wants to add approximately {$230.00} per month to my payment for insurance that I do not even owe. I have faxed and mailed a letter stating that I am closing the escrow account since I am no longer in bankruptcy and that I will be paying my own insurance. They in effect are trying to robbing me out of {$1500.00}. I have seen lawsuits for each of these reasons stated in this complaint. I have tried to contact the research department, the escrow department, and supervisors that can speak in a language I can understand. I would like to know what else I can do or who else I can contact. I fear they are again not following proper financial standards and are trying to take my house again using fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Credit card
Issue: Other

Complaint:
XX/XX/XXXX-XX/XX/XXXX I had a couple hardships and was not able to work as many hours in previous years. I kept in contact with my creditors, including Bank of America ( Acct # XXXX XXXX ), stating when I was able, I would resume payment on my account. In XX/XX/XXXX Bank of America via FIA Card Services XXXX. reported a XXXX to the IRS with a XX/XX/XXXX date for {$23000.00}, which I then revised my XX/XX/XXXX taxes to include this XXXX and have been paying the IRS for this forgiven debt income. In XX/XX/XXXX, Bank of America started to report to the credit agencies that I have an open balance of {$24000.00} ( Acct # XXXX XXXX ). I have written Bank of America and received a letter stating that acct # ending in XXXX, case # XXXX has been charged off as of XX/XX/XXXX. Although Bank of America sent this to me, they still confirm to the credit agencies that my account has an open past due amount of {$24000.00} & with each credit card bureau, I have to fill out a form each time they resubmit as each time BOA resubmits my credit score drops significantly. This feels like harassment to me. Even though the credit bureaus note " customer disputes this item '', I still have to resubmit a research request form periodically each time Bank of America reports that I have an open, past due 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
Consumer complaint received 2017-02-03
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
This is for both Federal and non-federal. I 'm writing to see how I can be included in the current Navient lawsuit. In 2014 I know I also made a complaint. Navient has : applied my payments wrong, refused an IBR payment plan and has refused to take a cosigner off, as well, as harassment. I have notes from 2014. This is has cause me a lot of money and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Im writing to have several negative accounts removed off my credit report I have a lawyer and all matter are currently in litigation ( XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) so i want all negative items removed immediately ... Plus Im fully aware of all my rights Under the Fair Credit Reporting Act. The Law 15 USC 1692 Under federal law you have to provide a method of verification and there was no proof of verification used to Verify these accounts so legally u have to remove all items and i want all negative items removed heres a list of all items XXXX XXXX XXXX XXXX Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have A attorney all accounts are in litigation there incorrect i i WANT THEM ALL REMOVED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Hi I am XXXX, I asked my annual free credit report from Equifax but they are not able give me that, they are simply telling some or other reason I have received credit report via mail twice once but when I ask them they say your address is wrong in our system. ( which they corrected it seems today ) I am afraid why I am not able to see the report online and how I receive the credit report on mail when Equifax has wrong address. 

Please look into this Thanking in anticipation. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I am a victim of a vicious scam. I was contacted through a freelancer website, XXXX, by a woman who offered me a job ( XXXX ). She assured me that it was a legitimate job and I only had to complete simple tasks for {$400.00} a week. A poor college student struggling to make ends meet with rent and utilities, I foolishly accepted the job. She then sent me XXXX checks, {$2800.00} each, and instructed me to deposit them and then send the money in separate transactions of {$1400.00} each via XXXX XXXX. I was totally unaware that the checks were counterfeit until my bank started closure procedures on my account without notice. When I called them, the customer representatives and Risk Department refused to revoke the decision because I am fully responsible for all transactions and since the money was already taken out, I may be held to repay the overdrawn amount of XXXX-something dollars. They told me that I made transactions on money that was n't there to begin with, but that means that I never had the money in the first place, thus I should not be held liable for it. The bank also holds responsibility for not contacting me when the checks were verified as counterfeit, but when I called and went into my local branch and told them my situation, they were unrelenting. They hide themselves behind monotonous masks of " there 's nothing we can do '' and furtively put the blame on the consumer. I am just a poor college student who fell victim to a vicious scam but now, I am the one in danger of being swamped in more debt on top of student loans and being blacklisted. At this point, I do n't even care for reimbursement. I just do n't want, and I do not need, to pay back money that was never mine to begin with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT
Product: Credit card
Issue: Billing disputes

Complaint:
Hello! I am writing you this letter because back in XX/XX/2016 I had made a electronic payment to Capital One for {$150.00}. When I received my next statement in the mail it was showing that I was behind a payment. Finding this to be odd since I was given a conformation number showing the payment had been received, I called Capital one to find out what happened. Capital One first said I closed my account. This was not the case, I explained how I have had this account for years. doing further research they found it was a mistake on their part. They told me it was the person who entered my payment entered the wrong account number. I was totally understanding and the said they would wave the late fee and print me a new statement showing the correction. I sent out a payment of {$50.00} in the mail right after our conversation. Now my next statement comes in the mail. I open it to see I owe more late fees. I call Capital One again. I explain what was happening, they put me in touch with one of their specialist because I ca n't afford to pay the high payment that they say I owe. I explain to the specialist what happened, we make payment arrangements. The specialist expresses how sorry they are that this had happened. She also said I still had {$300.00} on my card I can Use. And told me no late fees will show on my account. Just out of couriosity I try to use my card the next day and my card was declined. Each time I try to settle this matter with Capital one we get disconnected when we get to the part of the convertation where we start to figure out a plan to resolve this matter. This has happened 4 times. The disconnection has always been on Capial One 's part. I am very upset to find Capital One has put this dept in the credit beru. 
Now it shows against me in my credit report. I have written to them trying to straighten out this matter but, I still get disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I mailed in a dispute to Equifax stating that my chapter XXXX bankruptcy was filed 7 years ago and I am requesting it be removed off of my credit report- I got a response with updated information but it is still on my credit reports- Both XXXX and XXXX have removed this from my reports.I understand Chapter XXXX Bankruptcy is removed after 7 years- I would invoke my rights and like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: U.S. BANCORP
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was sent an e-mail about applying for a loan and decided to call the number because I need a personal loan at the moment to help with some medical expenses. The loan officer told me that they would need my account information to deposit the loan for me. First, they had me do this cross verification process where they would deposit money into my bank account and then have me go to XXXX to send a money gram of the amount of money they had deposited in my account. They made a total of XXXX mobile deposits into my account, and I made the XXXX transactions requested of me by the loan officer in order to obtain the loan. Today, he had asked me to do XXXX final transaction in order to receive the {$5000.00} dollar loan, however, the transaction did not go through today because I now have a negative checking account balance of {$2900.00} dollars. The bank says because I gave the loan officer my account information and made the transactions, that I am now responsible to pay the negative account balance of {$2900.00} dollars. The bank had no process to report this scam I have been tricked into. I reported the scam to www.ftc.gov and they are supposed to be investigating my report. I feel that I should not be responsible for pay XXXX XXXX XXXX XXXX the negative account balance of {$2900.00} dollars because I was not the person who made the deposits into my account. The loan officer said that someone from the his accounting department would deposit the {$5000.00} dollar loan into my account once I had completed all of the transactions requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation