BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-30
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
This is a XXXX XXXX Private Loan which just went back into payment status XX/XX/XXXX when my Bankruptcy was finally discharged XXXX Chapter XXXX ). I made a payment arrangement last summer were I was paying {$40.00} or {$50.00} a month. I started to receive harassing calls from Navient XXXX XXXX XXXX is XXXX Navient XXXX. I did n't know who they were and did n't identify themselves. I finally found out XXXX XXXX and Navient are XXXX and the same, but XXXX hand does n't know what the other hand is doing or receiving. Navient did n't want to honor the payment agreement. I am permanently XXXX receiving Social Security, I can not afford full payments. I received harassing phone calls as did my XXXX year old co-borrower/grandmother, we are both XXXX and ill, we do not need the nasty phone calls. I sent XXXX letters to XXXX XXXX and Navient per the Fair Debt Collection Practices Act regarding no more phone calls, correspondence only, the letters were faxed and mailed. I received a phone call on my cell phone which I told them to remove because I never provided them with my cell phone number nor authorized them to call my cell phone, they left a message on that line, not verifying that, that was indeed the line that I used and after the fact that I sent the Fair Debt Collection Practices Act Letter, this was on XXXX. On XXXX my co-borrower, XXXX XXXX, my grandmother received a call from Navient from a male who would not state his stating he was going to call her all day today and tomorrow, once again after the Fair Debt Collection Practices Act Letter signed by myself and my grandmother was faxed and mailed to Navient on XXXX. The XXXX XXXX letter was sent on XXXX. They are in severe violation. My stress level and mania has increased and the XXXX XXXX and stress level of my grandmother. This is not fair that corporations can take advantage of people. I have done what their " Advocate Department '' has asked me to do as far as providing documents from my doctor to possibly have this debt discharged and I am still being harassed and they are not abiding by the Fair Debt Collections Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, there was an unauthorized charge of {$340.00} made via my debit card to this company. I requested a refund but have been denied because they submitted a receipt to my bank claiming the transaction was initiated by me. I did not authorized this transaction nor have I received any service or merchandise from this company. I want my money returned to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Ocwen Financial Corporation
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My 100 % completed application to drop my Mortgage Insurance and {$340.00} check for the appraisal was delivered in XXXX to PHH Mortgage. The check was cashed about 1 week after receiving my application. I have made inquiries and received requests that I've immediately followed up on. It is approaching the end of XXXX with no apparent progress in my application. I can not get a credible answer regarding the timeline for my request. I'm continually informed that my email will be responded to in 10 business days and that a relationship manager will reach out within 10 business days, with no follow-up. It's taken 5 months to get an appraisal ordered. My concern now is will it take another 5 months to process the appraisal and drop my mortgage insurance?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I continuously received phone calls from Macys that exceed 4 times a day to my primary number. I had already advised the debt collector of max 3 times of day, they advise they use a dialer system and no way to know how many times they call. I filed formal complaint and evidence of phone records via fax on XX/XX/XXXX to fax provided ( XXXX ) XXXX and mailed a physical copy to the XXXX XXXX provided. I waited 15 days for a response were i called and made contact with a manager ID XXXX advised complaints received we receive a phone call from department that handle that part. I continue to wait for a response and on XX/XX/XXXX i received a call from the lead investigator XXXX XXXX and claims he had 15 days to respond since it was just provided to him. I allowed the additional 15 days to expire and still no answer to my complaint, i called again on XX/XX/XXXX ( XXXX ) XXXX and was advised XXXX XXXX not available and will contact me within 24-72 hrs. I fell this now gross negligence on the part of the investigator and Macys. I requested for all negative and derogatory reporting to my credit be removed while this investigation is on going, several violations could be happening and on going do to the system of debt dialer system that is being used to collect this debt. 

Example of a violations XX/XX/XXXX XXXX incoming XXXX 2. incoming XXXX 3. incoming XXXX XXXX. Incoming 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 explanation
Consumer complaint received 2017-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
in 2013 I had a account with Bank of America my boyfriend at the time had asked if he could deposit his check in my account so I agreed and signed the check he deposited it for me. Then I get a letter stating that my account was locked, come to find out it was a fake check and I have n't been able to open a account since.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$300.00} in XXXX. I previously borrowed money in XX/XX/2018, which I thought I had paid off. I '' ve been paying off the {$300.00} since XXXX. and I still owe {$610.00}. I called the company today ( XX/XX/XXXX ), and they said that my payments are going towards the principle. I will NEVER be able to pay the loan off this way. This is ridiculous. These places should be outlawed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: SYNCHRONY FINANCIAL
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Attempting to pay my PayPal credit card bill, but their online portal refuses to display any of my statements to review the charges. I realized there was an issue 24 hours ago and despite contacting PayPal through their joke of a customer service department nothing has been resolved. My bill is due on the 7th and they apparently don't care enough to provide a working system. I've tried three different browsers on two different computers and all of them display a " Something went wrong, we can't show your statements right now '' message.

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 2015-09-21
Company: Navient Solutions, LLC.
State: CA
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 graduated last 2007 granted with a XXXX XXXX at XXXX - online base in XXXX XXXX XXXX. I have been paying my loans and when it starts I was on my XXXX $ after 2-3 years my balance is still the same. 3 months ago I filed for defferment to this loan due to my work status changes to part time. This XXXX the repayment of the loan will start again and according the representative that I spoke with last time that I have exhausted my defferments and I can not reapply again and I have no choice but to pay my loan monthly. Please help me on what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been attempting to pay back my student loans to sallie mae and XXXX and they sent my account to a collection agency, now my credit is destroyed. They never gave me the income based option and processed my payments incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My wallet was stolen or lost a couple of years ago and someone deposit fake checks into my account which resulted in a overdraft fee and closing off my account. I tried to explain to the bank that I was not at fault and I was the victim but they would n't listen. The XXXX reported me to chexsystems. I paid all the fees although I was n't responsible and still no help. I told them you have cameras in your banks if you look maybe you can catch the real the if now I ca n't have an account for seven years please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America has not responded to me in regards to my current situation. I have sent Bank of America a contract ( see attachment ) to sell my property as I want to avoid foreclosure. The title company has faxed the contract over to Bank of America and also has not received a response. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I acquired a new mobile number in XXXX 2015 for business purposes. Not long afterward, I started receiving calls from various creditors of the person that previously had the telephone number. Generally, an explanation would clear up the matter right away. Not so with Navient. For months now Navient has called my line multiple times a day, even after I called back to explain that the student that it had on file no longer had this number and being assured that my phone number was deleted from its system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Experian Information Solutions Inc.
State: WI
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've open 3 dispute with Experian Credit Bureau, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, from a XXXX XXXX XXXX XXXX. I began to get suspicious every time results came back as " debt verified ''. Considering I've conducted my own research and realize that the company XXXX  " no longer '' report to any credit bureaus, and the account in questions is listed as " paid-off and closed ''. This was confirmed by a voice recording ( permission granted ) and was conveyed to Experian of the such and, the only response from them were XXXX XXXX verified the same account number we have on file ... are you serious. After I explain to Experian, that supervisors XXXX and several representatives stated they would send confirmation of debt. On XX/XX/XXXX, I recieved a copy of ( see attached doc ) something that look like a child went into the computer and printed, my name, a account number, NOT from original creditor..and this is what Experian says is XXXX verifiable '' information. Therefore, I questioned Experian as to the back and forth as well the validity of XXXX XXXX not being truthful. I've spoken to 15 representative since Thursday XX/XX/XXXX, requested to speak twice to speak with supervisors. Until today no feedback, today even I've called corporate to try to speak with someone on the " lack their of '' ensuring that a Credit Bureau is assuring the consumer that information is really being verified. Considering, while speaking with reps and their were loud noises, dogs barking, reps answering cell phone, no wonder why this item is STILL on my credit report. Upon submitting a " certified validation letter '' to XXXX XXXX and have communicated this to Experian for XXXX XXXX to original documentation, Experian states well they ( XXXX ) would have to delete debt off credit file. All the back and forth, with both companies it's CLEAR this debt can not be VERIFIED and I'm in this tog of war with who did, who said. Fair Debt Collection act states if debt CAN NOT be VERIFIED it MUST COME OFF!!! ... why all the " UNPROFESSIONAL '' on Experian not to uphold and delete this item. After reviewing complaints online both Experian and XXXX XXXX, have many many complaints on this same issue ... ... This is exhausting ...

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 2016-06-28
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Good afternoon, I purchased a XXXX from XXXX XXXX in XXXX, NC XXXX XXXX. Since the purchase of the car, I have been XXXX and transferred my duty station from XXXX XXXX, XXXX to XXXX, XXXX. I had not realized that I was delinquent in my payments and that the car payments were not current. During this time my mom who lives in XXXX is helping me straighten out the payments. I also told the finance company, XXXX XXXX that my mom had my authorization to call and talk to them regarding the loan. Due to my job and training I can not always be available to accept phones calls or call out to follow up. 
After my mom reviewed the auto contract she believed I was a possible victim of predatory lending due to the interest rate being so high. And she also how I even qualified for the loan. On XXXX separate occasions my mom called XXXX XXXX and asked them to confirm what my monthly income was. On both occasions XXXX XXXX said it was {$4100.00}. 
Now it 's no long a question of how I qualified. This is fraud on behalf of XXXX XXXX. My monthly income is only {$1900.00} a month. We asked XXXX XXXX to send a copy of the document they received from XXXX XXXX and both times they said they do n't have access to the info to send. They suggested that we contact XXXX XXXX because they have all those documents. I requested my file from XXXX XXXX and they sent me everything but the documents I really wanted, which is the information they sent XXXX XXXX of my monthly income and the approval letter. I had the law firm in XXXX write a letter to XXXX XXXX specifically requesting the documents, but that was over two weeks ago and still no response. XXXX XXXX, the XXXX at XXXX finally responded and still refused to send the documentation I requested. 
Since this mess has started, my command has been involved in this which is negative for me. This could potentially ruin my credit and any future career aspirations I would like to pursue in law enforcement. Due to those fields being effected by how well your credit it. Not to mention XXXX XXXX is threatening to repo the car. 
This is an extremely stressful situation for me and I am asking for your assistance to resolve this issue quickly. If this car dealership did this to me, most likely they have done it to countless other XXXX. 

I also ask that you contact my mom as she knows all the details in this matter and can probably explain details better than I can. she is of the opinion that this should result in a huge investigation and people need to be held accountable. 
As of today I learned that XXXX XXXX XXXX purchased XXXX XXXX and I called them to request the document that XXXX XXXX sent them indicating my monthly income at {$4100.00} and they refused. I asked if they only way to obtain the document was with a subpoena and he laughed and said yes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: WI
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:
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  Delete hard inquiries off 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 2022-07-21
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received a text telling me {$1400.00} was taken out of our XXXX account. They asked for verifying information including social security number and DOB. They were able to send me alerts via the text function from XXXXTruist and had us verify our name and password and then told us we would get a link to reset it, which never happened because it turns out they were the scammers On XX/XX/XXXX my husband and I reached out to Truist bank and saw a XXXX dollar charge from XXXX that was made on XX/XX/XXXX. We froze our account and filed a claim against the XXXX transaction to get a refund and were told not to hold our breath on getting refunded.

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 2016-10-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
CITY OF XXXX is still reporting negative information to my credit report. This acct was paid in full & was supposed to be removed when paid. I have disputed it numerous times with Experian & sent the company a letter requesting it be removed per our agreement. They continue to report it, which is damaging my credit & impacting my ability to get a loan. This issue is causing me great emotional & financial stress & is having a major impact on my family & work lives. I would like this removed as agreed upon when paid.

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 2020-06-15
Company: EQUIFAX, INC.
State: PA
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:
XXXX- I have been a victim of identity theft and should be receiving free credit monitoring which experian has locked me out of my account, continues to solicit monthly payment of XXXX a month, reports inaccuracies on my credit report after several disputes and letters violating FCRA with no documentation of proof resulting from their investigations. I have tried calling numerous times resulting in no answer the numbers they have advertised. I have also used credit repair agencies and advice to follow from professionals and still have had no success. 

Equifax- Continues to report inaccurate information on my credit report after several attempts to dispute. My credit score has increased due to good payment history. Between XXXX XXXX in one day my report showed a report of good payment history with the removal of an inquiry, and payment decrease which showed a increase and decrease in the same day of 57 points. On my XXXX XXXX and XXXX  reports my scores are in the XXXX range. Equifax continues to report inaccurate credit scores and accurate information. I have used professional services, sent several dispute letters, and questioned their violations of FCRA. They have not mailed me proof of any disputes showing signature and documentation, and have allowed changes to my account with incorrect updates, information from creditors harming my credit file. I am requesting a full investigation to their practices and would like to seek damages as a result to their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26
Company: Experian Information Solutions Inc.
State: AK
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went through the online process to get my credit reports. Ireceived the report from Experian but when I started the processto download the XXXX report, I lost connectivity with the websitewebsite. How do I access my request again. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-15
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I voluntary sent car back was unable to fix due to defect in all XXXX throwing a rod in motor or metal shavings left in motor for XXXX XXXX-XXXX company refused to fix it and never official did not do a recall. Many XXXX owners are having cars to stop suddenly, locked down or blow up or catch on fire. I consider this to be hazardous and unsafe and negligent on their part

Company response to consumer: Closed with explanation