BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-03
Company: FinCo Services Inc DBA Current
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I went out to dinner with my family when the bill came and cost {$340.00} I use my current debit card to pick up the check I then added a {$75.00} tip on top of that so the total would be {$410.00} I noticed that very evening that the {$340.00} was debited from my account but it said pending which is not unusual because a lot of times when you use your debit card except doesn't post until a few days later well a few days later I got debited another {$410.00} making the meal that should have cost me that really cost me almost {$750.00} when I notify the current they said because the three XXXX was still pending we had to wait for it to post so in the meantime I contacted the restaurant they were very good to me they contacted their merchant company they got right back to me they said XXXX we were paid only one time and we were paid {$410.00}, they also said the {$340.00} that was pending is a hold that is usually released within 24 to 48 hours and I'll XXXX XXXX did release it back to current current has to release it into your account so I contacted current back with that information and they said well considering that it's still pending there's nothing we can do what we can do is wait 10 to XXXX15 business days if it's still pending then we could do something about it well and at that time. I had another very very major problem with current that you guys are handling for me that I have another complaint in and so I have absolutely no trust with them whatsoever and just today I spoke to you guys on the phone and XXXX informed me that I should definitely make another complaint so I am going to enclose screenshots of the {$340.00} that is still pending by the way over a month later from XX/XX/XXXX the receipt says and then on XX/XX/XXXX the second receipt says the {$410.00} I'm also going to enclose my XXXX and XXXX bank statement because in my bank statement it says that the {$340.00} was debited on XX/XX/XXXX even though the receipt says XX/XX/XXXX and XXXX at {$18.00} wasn't debited until XX/XX/XXXX with XX/XX/XXXX even though the receipt says XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

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, US Department of Education, 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. I can recall once I was in prison which was suppose to be covered under either forbearance or deferment but I was denied eligibility. The school is also saying I owe them for loans that were returned to the lender and I had to drop the class but still show in my balance. Something needs to be done about these predators.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Regardless of the multiple written requests, the account listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
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 get flexible payment options

Complaint:
My XXXX and XXXX loans are through XXXX XXXX / Navient. For years I have been battling with them due to inflated fees and interest. They continue to offer me forbearance and no other assistance or proof of the validity of new fees etc ... It 's been a frustrating ordeal that they continue to hang over my head and ruin my credit. It 's a struggle to get any loan for a house or even rent due to this ... I 'm living with my mother! I have federal and non federal loans also private loans through Navient. I just need help. Please

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had a student loan that was invalidated by the State of Wisconsin due to XXXX 's corrupt business practices. Navient was supposed to erase the loan and remove it from my credit score, but they are still adding interest and using it against me. Further, when asked to provide proof of the loan, Navient submitted a digital file that did not have my signature but was something anyone could create using photoshop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: FL
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 have INQUIRES that are reporting on my Equifax I do not recognize these Inquires XXXX. XXXX XXXX ( date ) XX/XX/XXXX XXXX XXXX XXXX ( date ) XX/XX/2021 XXXX. XXXX XXXX XXXX ( date ) XX/XX/2021 XXXX. XXXX XXXX XXXX ( date ) XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
This was previously disputed and  XXXX  failed to address this to the CFPB in the last dispute.     I am signed up for  XXXX  credit monitoring for  XXXX  a month. As part of their package, you are allowed to " freeze '' your credit report. I however am not able to freeze my report. It tells me there is an error. I call customer service to be told that they can not even freeze my report and they will get a technical team to look into this. As a result, i have over  XXXX  inquiries on my report. If transunion can not stop the inquiries from coming in from unknown sources, then how am i supposed to? I PAY them for a service that they can not even provide. This is th e 6th t ime I have asked for help on this. The inquiries are NOT AUTHORIZED and should be REMOVED ASAP. This is the last time i will attempt to dispute these inquiries. Next time I have to ask, i WILL hire an attorney. It is NOT my responsibility to make sure that  XXXX  credit freeze works it is theirs. Why should i penalized? I have tried so many times to freeze my report and they will not do it. I need a refund back of my  XXXX  for each month they have been unable to freeze it which would be about 7 months now.

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 2022-02-03
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had a deposit to put my account in a positive balance, the next day they showed me over drafted because of a fee for something that shouldn't have been added the fee because I brought it back current before anything cleared. I tried to call and speak with them because this was an error adding on their part and they wouldn't help me. I mean the guy i spoke with works for a bank but doesn't know what CFPB is.

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 2022-02-03
Company: SYNCHRONY FINANCIAL
State: FL
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 tried reaching out to SYNCB bank and explain to them that I dont recall applying for any credit limit with them on the dates of XX/XX/XXXX and XX/XX/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 2015-05-15
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Enclosed is all the information in reference to my private student loan. I have contacted them multiple times in reference to defeerment or lowering my payments. As per the student loan company they can not do that. I have explained that I have financial hardship and I can not pay what I am paying and can not further my future as I cant even get a place on my own and still struggle to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX 2016 our house payment jumped over XXXX $ due to raised house taxes.My understanding is a mortgage may not charge more then 31 % of a families gross income, a payment of XXXX is over that limit.I filed a loan modification with bank of America denied, appeal denied.I am XXXX my spouse is retired we have a very set income.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I selected to engage in a forbearance prior to my son 's birth in XX/XX/XXXX. After my son 's birth and my maternity leave I wanted to resume making loan payments, however I have been engaging in almost 2 years of attempting to apply for a REPAYE plan and despite contacting FedLoan Servicing on a nearly monthly basis my application for this plan have been denied. I have wasted months of forbearance while awaiting my approval for the REPAYE, which I have been told over and over again I qualify for. Every time I speak with a customer service representative I receive misinformation, erroneous information, differing suggestions about how to apply, and confusing directives about the certification process. My most recent application was denied due to missing tax returns ( which were in fact included and were sent via fax ) along with a need for verification regarding a name change. I have been making payments since my husband and I were married in XX/XX/XXXX and this is the first time I have been asked to provide information proving my identity, as a result of a name change. This saga with FedLoan servicing has been ongoing since they began managing my student loans. I am disappointed that with such a significant financial burden I continue to receive the " run around '' regarding certification and eligible payment plans until I qualify for Public Service Loan Forgiveness.  It is critical to note that I am state employee employed as social worker and would absolutely qualify in 3-6 years, had I not been forced to utilize forbearance while FedLoan continues to mistakenly deny my request for an Income Driven Repayment. I am incensed and disillusioned by the behavior and incompetency of FedLoan Servicing, which is well documented and continues to go unaddressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I accidentally deposited a business check through my CHASE APP into my personal account, which caused CHASE to close the account and hold on to my funds. because they thought the account was fraudulently open and that I have stolen the funds. They asked me to go into the branch and verify my identity and bring in XXXX forms that confirm that I am the rightful owner of this company. After I had not heard from anybody back in XXXX weeks I Called to follow up ( I was on hold for an hour and XXXX minutes ) and I was told that they couldn't release the funds because my XXXX registration is listed as " Company Name XXXX XXXX '' where the chef written had the COMPANY NAME on in it, without the XXXX XXXX part. 

They refuse to give me my money back and they refuse to issue a refund to the company that has written it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I graduated XX/XX/XXXX. I have not yet found employment. I am also in the process of filing for XXXX ( due to many physical and mental ailments ). Navient, formerly XXXX XXXX, will not work with me to XXXX monthly payments affordable. They are choking my families finances. We are not able to keep up with all our bills and pay these astronomical student loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently checked a copy of my credit file and unfortunately found that some of my personal information was incorrect. Please delete the inaccurate information from my credit file within the next 5 days. I will be thankful. I know that you have up to five days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have attached a document the information about my personal information that you incorrectly reported and should be deleted immediately.

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 2016-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Have tried to get a modification well over a year. Hours and hours of phone calls receiving little, conflicting or no information about status, talking to new people each time who read me notes on file of issues already resolved or discussed. I was not allowed to discuss my loan with the person actually reviewing it and making requests. Requested new customer representative, only means of getting info and could rarely get ahold ( had to make an appointment date and time for him to call me, sometimes not getting a call ). My rep repeatedly seemed as if he had never talked to me or knew of our previous conversations. After telling him of my husbands death and requesting a certificate, he called my cell and left a message for my husband to call him, just a small example of many.Told it could take XXXX5 weeks to receive a new rep. Never heard back Also took a week and a half to track the right person down who could confirm they got my ( same day ) fax of the death certificate that they desperately needed to go forward. Called them yesterday because I received an insurance letter mentioning the change in status of my loan. BOA says there was a sale date of XXXX and modification denied XXXX. Called FHA today and HUD. Was asked if BOA had offered me a required TPP Agreement? which I no nothing of, but then referred me back to Bank of America. Rep could not tell me why I was denied. She did see a sale date but no denial letter. On hold ( again ). She could not get a supervisor on the line to find out why denied. ( Past issues with payments were due to seriously ill husband who passed away in XXXX and my job status ( in current job almost a year and I can afford my home ) I have been advised by BOA to call the banks local law firm if I want a redemption. Lawyers have n't responded. I believe modification file is probably closed at bank for the 3rd time ( in which the other 2 times I had to start from scratch in applying and w/supplying all required info as its somehow disappears after a certain time and you no longer have a contact person. ) I am in fear that not only I and my XXXX young daughters will soon be kicked out of my home w/no notice just as I had not received notice of modification denial or property sale date ( and previous sales dates and sale dates on hold ). Also my loan balance has probably increased by thousands in fees and delinquencies due to the time this has taken.

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 2015-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card
Issue: Delinquent account

Complaint:
Bank of America gave me an incorrect payoff amount. Then, after I missed payments, they are refusing to amend my credit report, even with the amount paid. Then, they sent me a refund notice stating that I was overbilled XXXX, so that amount showing on my credit report is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: NY
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, 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:
The following Equifax, XXXX, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation