BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-23
Company: Navient Solutions, LLC.
State: VA
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:
Navient has for the second time placed fees onto loans in the " Rate Reduction Plan '' for me, which were not originally disclosed in the verbal contract I made in XXXX 2014. The most recent Navient employee ( his number is : XXXX " XXXX '' ) was dubious at best, and made a coerced demand for money when all previous payments have been on time. 

The verbal contract, made using their " rate reduction program '' set my loans at XXXX a month until the end of XXXX. Navient has stated somehow I owe them extra fees on loans that are being automatically paid! 

In addition, Navient has resorted to calling my home multiple times in an abusive manner, which is causing emotional and mental stress to myself and my cosigner. When the phone is picked up, they hang up the phone, not engaging in conversation. It was only when my cosigner was able to catch XXXX of these individuals calling repeatedly from Navient at XXXX, that we got information about fees that should not be attached to this loan. 

Navient has added mystery fees and lied about these loans in the past, so I do not trust them to correct this issue. 

I graduated from XXXX XXXX, in XXXX Virginia.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I LOST PROPERTY IN MY BASEMENT WHEN THE SUMP PUMP WENT OUT OF POWER. I MADE A CLAIM TO MY CREDIT CARD COMPANY THRU THEIR BENEFIT CLAIMS BROCHURE. THEY DENIED THE CLAIM BECAUSE I USED THE WORD FLOOD INSTEAD OF WATER ON THE FLOOR THAT DAMAGED MY PROPERTY. THEIR BROCHURE ALLOWS COVERAGE FOR ACCIDENTAL WATER DAMAGE FROM HOUSHOLD PLUMBING.

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 2022-03-19
Company: EQUIFAX, 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  1 ) XXXX XXXX account # XXXX, has violated my rights. 
2 XXXX XXXX XXXX account # XXXX, has violated my rights 3 ) XXXX account # XXXX, has violated my rights. 
4 XXXX XXXX XXXX account # XXXX XXXX ) XXXX account # XXXX, has violated my rights. 
6 ) Maryland XXXX XXXX account # XXXX, has violated my rights. 
7 ) XXXX  XXXX account # XXXX, has violated my rights. 
8 ) XXXX account # XXXX, has violated my rights. 
9 ) XXXXXXXX  XXXX account # XXXX, has violated my rights. 
10 ) XXXX XXXX rec Account # XXXX, has violated my rights. 
11 ) XXXX XXXXXXXX account # XXXX, has violated my rights. 
12 ) 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. also states a Consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: NRA Group, LLC
State: RI
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 have been disputing this collection on my credit report for months now. It was removed from XXXX   and XXXX  but has not yet been removed from my XXXX  report. This is catastrophic to my credit as it shows a much lower score than my other credit scores because of this collection. It also could be considered a form of defamation as it is looked upon negatively when I apply to places that pull that report. This is unbelievable and you can look at my previous complaints regarding the matter. XXXX XXXX has been sent all necessary information to dispute this situation and they are impossible to get someone on the phone with to discuss the matter. They just keep transferring and transferring and asking for more information when they are the ones that should accurately be keeping information. I will not pay {$90.00} that is not mine to pay. This is ridiculous and I'm getting fed up. Please investigate this company and the collections companies they are using. Anyone else they are probably out there paying for things that aren't even theirs.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Receivables Performance Management, LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I returned multiple receivers and remotes to XXXX in XX/XX/2019. A debt collector called me in XXXX and I submitted all my documentation and confirmed in-person to XXXX that my account was resolved and in good standing. 

Suddenly a new collector, Receivables Performance Management | XXXX XXXX XXXX XXXX | XXXX | WA | XXXX is contacting me. 

I do not owe this debt and they are not authorized to be contacting 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 2022-03-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hey, XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of XXXX 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

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 2021-01-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

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 2021-01-02
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On the evening of XX/XX/2020, I sat down at my computer to find my computer being hacked. The hacker had placed order using the XXXX XXXX, XXXX and XXXX websites.. I was refunded for all these transactions by either my bank, credit card company, XXXX or PayPal. 

However, three separate money transfers from my PayPal account, dated XX/XX/2020, were made through PayPal and XXXX, to an XXXX XXXX for a total of {$650.00}. I do not know XXXX XXXX. I do not have a XXXX account nor have I ever had a XXXX account. I reported these fraudulent transactions to the PayPal Resolution Center. My claim was denied and then referred to PayPals Escalation Team, but I was told that the transfers were not unauthorized, which, of course, is not true. 
I started receiving threating emails from the hacker and filed a Police Report with the XXXX XXXX XXXX, California Police Department ( Case Number XXXX by Officer XXXX, Badge Number XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card
Issue: Transaction issue

Complaint:
I am enclosing a complete file of materials that I have submitted to Bank America regarding dresses that I bought the fabric for and had a tailor to make them at a cost of almost {$500.00}. Unfortunately, none of the dresses fit.. They are too tight across the bustline and the zippers do not work. Bank America has decided that I have not submitted sufficient information for them to make a decision regarding the fact that XXXX XXXX did not provide the services that I requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our initial mortgage was with Bank of America who offered to refinance, but the payment was as much as original mortgage due to pending mortgage deficiency, they then sold our mortgage to one of their subsidiary 's " XXXX XXXX XXXX ''. 

We had sought the assistance of XXXX to assist us with the refinancing. XXXX XXXX XXXX refused to refinance our mortgage telling XXXX they had received our paper work too late. However, this was in correct as all requested documents were sent and submitted within the time frame required. XXXX XXXX simply refused to work with XXXX on our behalf. 

In addition, XXXX XXXX XXXX it would appear intentionally caused our mortgage to become default, which resulted in them selling it to XXXX XXXX XXXX. 

XXXX XXXX at the time of selling our mortgage to XXXX on XX/XX/XXXX, was negligent in their fiduciary duties in that they did not disclose to XXXX that we had filed a complaint with your agency, Consumer Finance and that they ( XXXX ) had refused to work with XXXX. Their action resulted in the property being sold to XXXX without any consideration for our need and ability to re-finance in an attempt to save our home. XXXX obtain a court order resulting in us having to vacate the property no later than XX/XX/XXXX. 

The action of XXXX XXXX has caused not only the loss of our home, but extreme emotional distress and absorbent monetary loss and financial hardship. 

We appeal to you for any all assistance and remedy with respect to the issues raised in this complaint. 
We thank you in advance for your kind consideration and concern in this matter. 

With kind regards, we remain.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This debt has been ongoing with no bill ever received, no form ever received for amount, never called. I have asked for a itemized bill and nothing received but documents on XXXX/XXXX/2016 that I received a " bill '' and attempts to settle were " mailed to me. '' What I have received is Explanation Of Benefits '' but never a bill which this document states, This is not a bill. '' Furthermore I am attaching documentation of their correspondence with me and still no explanation or itemization of bill from services rendered and I am being accused of owing and which is falsely on my credit report as these agencies buy old debts and try and collect without proper documentation or notification to a client that in fact a debt is owed and added to their report. This is illegal under these terms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Seterus, Inc.
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, My principal loan amount on my XXXX 2016 statement from Seterus went up XXXX. I have called and written the office for a explanation and the company can not provide any documentation of the increase of my principal balance. I was not given any written corpsependence regarding why. After calling multiple times and faxing for a answer im now being hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is reporting XXXX XXXX XXXX this was paid in full they sent me the title to my car 4 weeks later and I sold the car 4 months later with a clear title. Then I fine XXXX XXXX XXXX saying I owe them money that is impossible I paid this and already sold the car. Please help me get this deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I don't wright good .for this info but I have all the paper work.

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 2021-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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: Problem getting your free annual credit report

Complaint:
I having an issue obtaining my credit file and report from Trans Union. For over 1 year, I have sent numerous letters of request to Trans Union, requesting for Trans Union to mail and send me a copy of my Free Annual Credit Report, which I am entitled to receive annually under the 1970 Fair Credit Reporting Act ( FCRA ), as of to date, I still have not received a copy of my Free Annual Credit Report which is a violation of the Fair Credit Reporting Act under federal law. Trans Union has sent me numerous letters informing me they do not maintain a credit profile on me which is inhibiting and prohibiting me from receiving my Free Annual Credit Report, apply for and obtaining 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 2017-03-03
Company: Garcadia Financial LLC
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I made 3 separate car payments to Foresight Capital. They have charged me a cash advancement fee for the transactions when the payment should have been processed as a XXXX XXXX payment and not a cash advancement fee. The only option on Foresight Capital website is debit/credit card payment, there is no option for a cash advancement payment but yet they have charged me a cash advancement fee. The car note payment and cash advancement fees are as follows : Car note payment of {$730.00} on XXXX with a cash advancement payment of {$36.00} Car note payment of {$360.00} on XXXX with a cash advancement payment of {$18.00} Car note payment of $ XXXX XXXX with a cash advancement payment of {$14.00} I spoke with the supervisor XXXX and she told me that they have had this issue before and that they have not had this issue in a long time. XXXX refuse to reimburse my account for the cash advancement fees. XXXX claims that XXXX XXXX is the one that is processing the transaction as a cash advancement fee not Foresight Capital and that XXXX XXXX is the company that I should get reimbursed through not Foresight Capital. XXXX also claims that XXXX XXXX has them listed as a bank institution and not a financial institution and that is the reason that I am being charged the cash advancement fee. 
I am requesting that Foresight Capital reimburse me in the amount of {$68.00} for the cash advancement fee charge.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2016-09-20
Company: Early Warning Services, LLC
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Early warning services is reporting inaccurate reports showing that in the past my account such as XXXX XXXX, XXXX New York XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Were updated closed but not in a good standing. All my bank accounts balances were paid to XXXX. There is no balance owed on any of the accounts There not advising of why the accounts were closed accurately. Which is hindering me from opening up a bank account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, 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:
I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 and they violated my rights numerous of times, and XXXX accounts listed below should be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

Account : XXXX XXXX, XXXX  DATE OF INQUIRY XX/XX/XXXX Account : XXXX XXXX, XXXX DATE OF INQUIRY XX/XX/XXXX Account : XXXX XXXX, XXXX  DATE OF INQUIRY XX/XX/XXXX Account : XXXX XXXX, XXXX DATE OF INQUIRY XX/XX/XXXX Account : XXXX DATE OF INQUIRY XX/XX/XXXX Account : XXXX  DATE OF INQUIRY XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX sent a removal code in to Experian on XXXX XXXX, 2016 but they did not remove the collection item from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09
Company: SLM CORPORATION
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I attended XXXX XXXX University to further my education after High School. I was a first time generation college student in my family and I was unable to afford my college education without student loans. I looked into Sallie Mae and they assured me they would work with me once I was graduated. Instead of explaining that it is better to take our yearly loans, they told me semester loans would be the best. After XXXX college, I had XXXX separate loans at Sallie Mae at 9 % interest a piece. I sent in XXXX monthly payments of {$25.00} for XXXX loans to lower my interest rate during college. However, for XXXX years, my mother and I were harrassed by the company for " not paying the payments on time '' even though my mom sent checks every month. My mother works at our bank and has copies of all checks sent to Sallie Mae with the dates written and when they were cashed by Sallie Mae. In XXXX of 2015, XXXX sent back only ONE of my XXXX payments and said I did not have any loans with them. How XXXX check of XXXX, that were mailed in the same envelope, got returned I will never understand. I have been charged a late fee for that, even though our XXXX checks had been cashed. Then, I came to realize that for the XXXX years we were being harrassed. My loan payments were being applied to all the wrong loans after months of promises that it was fixed for good this time. Because of Sallie Mae wrongly applying my loans, I was the one pentalized with a late fee. I have called for help on my payments and they are not helping me at all. They said my XXXX payments could equal up to {$1300.00} a month and I am currently earning {$1100.00} a month. Sallie Mae harrassed my mother and I at our work places, even after those numbers were put on a " NO CALL LIST '' and we almost lost our jobs as a result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-13
Company: SLM CORPORATION
State: CA
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:
SALLIE MAE IS THE WORST. My loan is now in default because I have called every single month about not being able to afford my loan payment due to being unemployed and finding work has been difficult, though I have been actively searching every day. A few days ago the guy from sallie mae said that he could help reduce payments, but then harassed me about being able to pay it if he did. I explained my dad is already broke and has been giving me all the money he can to help with bills, but he has no more money left to give. I told him everyone else I have called says that they do not care and wo n't help. Then he said well we are only calling all the time to get you out of default, I then told him I would n't be in default if someone would have helped me in the first place instead of saying they do not care. Sallie Mae should not be allowed to call more than 10 times a week max. They call about 20 times a day. I feel so harassed. Because of them I ca n't support my own son because all the money I do get has to go to trying to get out of default so I am back at my dads. They are the worst company to work with. Not even XXXX or XXXX is doing this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2020 I began receiving notifications from equifax with soft inquiries. I havent applied for any credit since XX/XX/2020 as i was going through an IRRRL Prior to XX/XX/2020 XXXX during the summer ) the same thing occurred so i reached out to them and after several calls it stopped. I subscribe to Equifaxs credit products so i know right away when there are any changes in my credit. Fast forward back to now, Ive emailed them to twice to address my concern and even advised them that if it dont stop i will notify the CFPB. Long story short Equifax is the requesting the inquiry and it comes up soft inquiry when i receive the notification. At least thats what it says when i open the alert.

Company response to consumer: Closed with explanation