BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-23
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:
I have contacted Navient on several occasions to discuss the options for repayment of my loans. On each occasion my willingness has been met with opposition and very unpleasant experiences. Representatives have seemed unwilling to arrange a repayment plan that is reasonable or at the least, manageable. I have been required to complete income verification forms and have done so each time I am asked, only to be advised on a few of those occasions that my paperwork was not received. There seems to be a lack of organization on the part of this lender and a high level of resistance to assist account holders like myself, who are willing to enter into a repayment plan. I 've also contacted Navient to discuss the options for Public Service employees in regards to repayments plans as I am XXXX and have been for several years. When inquiring, I was more or less advised no such option existed although I had obtained information online advising such programs were.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My loan servicer is Navient and they have been terrible. I have been trying to get my repayment in the correct plan and the monthly payment amount correct so that I can receive loan payment assistance from my school. I 've had to apply for forebearance because every time I follow through with their advice and request for documentation, they tell me I need to do something else ( after giving them the requested time of response ). I actually want to START repayment and my school is ready to pay the loan if Navient could actually assist me. Instead I 've missed three months of opportunities to have my school loan monthly payments paid and accrued additional interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citizens Bank sent me a letter stating they were closing my account. No reason was given, so I went into my branch to ask why. Again, no reason was given and the manager advised me to call the XXXX number on the letter. When I spoke with this department again, no one would give me a reason for closing my account, they just simply said it was " according to metrics and that I made my deposits and withdrawals on the same day '' ( is n't this the point of a bank ) I feel like this was unwarranted and someone in a back office who does n't know me is trying to make judgments about an account based on daily transactions ... .no phone call was made to me to try and inquire about these transactions and no effort was made to remedy the situation by the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
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 2020-03-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio recovery associates is still reporting on my credit report, with representatives STILL CONTINUING to call OBNOXIOUSLY at ALL HOURS of the day, IM CONSTANTLY HUNG UP ON by RUDE AND DISRESPECTFUL representatives. 
On XX/XX/2020, I sent them a DV, and they replied by asking me to fill out an " affidavit of identity theft ''. I never received it in the mail nor any paperwork they stated they mailed out to me. After the 30 day time frame for portfolio recovery associates to given to validate the debt, I received a computer generated statement stating the original creditor, account number, amount, the last four of my social security number along with my first and last name. I sent them a letter demanding them to delete the account due to NOT validating the debt with the 30 day frame. The account is still showing up on my credit reports. 

On XX/XX/2020, A Female supervisor inform me that shes NOT allowed to verify the info over the phone but demanded I give her my information. She first lied to me that PRA never received my DV letter and then put me on hold for 10 minutes then to tell me they did receive it. She refused to provide any information over the phone. She then raised her voice at me stating that PRA sent everything to me, and to deal with it myself and hung up. 

On Friday, XX/XX/2020, another male supervisor, refused to provide his name, refused to provide any info over the phone but demanded I provide my bank information. I told him to provide me wikth details of the account and as to why the account hasnt been removed due to PRAs failure to properly respond to a DV letter in a 30 day frame. He hung up. 

On Friday, XX/XX/2020, A male supervisor informed me of what his system showed on the account as : " This debt originated as a XXXX XXXX [ account number ]. The account was opened on [ date ]. the credit card was charged off on [ date ] at a balance of [ x dollars ]. The last payment received from you was on [ date ]. XXXX sold this debt on [ date ]. Portfolio Recovery Associates,  LLC, on whose behalf we are authorized to collect this debt, is now the owner of this debt. 
The male supervisor then raised his voice yelling at me that neither he nor PRA is required to validate any debt since they dont have the time and dont make commission and then hung up. 

Due to FAILURE of validation the debt within 30 days given, the account is CONTINUING to appear on my credit reports WHILE still CONTINUING TO RECEIVE HARASSING CALLS, I DEMAND DELETION of this account IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I recently had a background check for a new job. When I had an interview with the investigator she said that I had some debt that showed up on my credit report. I was unsure why this was so. She recommended I go to XXXX XXXX to check where the debt originated. When I was with her she said I originally owed {$350.00}, but now owed {$93.00}. When I checked out XXXX XXXX  it said I owed {$350.00} to one group and {$93.00} to another group. I tried tracking down the {$93.00} debt, but when I tried looking up the original creditor online it was no longer in service. I tried looking up the other company and got transferred to various people all with different account numbers for the service and different amounts for the debt. I have been scammed and had my identities stolen in the past, so all of this seemed a little worrisome for 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 non-monetary relief
Consumer complaint received 2020-03-19
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Called great lakes borrower service about 3 weeks ago to request a copy of the master promissory note to verify their claim that they are legally allowed to capitalize interest and have interest accrued during unemployment deferment ( which according to their obudsman as well as the federal helpline is not how student loan prpducts are intended to be handled or were designed ). Great Lakes said they'd send me a copy of the MPN which they never did. I don't recall ever signing a master promissory note with them as all my student loans were originated from.XXXX  and shortly after graduation I was notified that my loans had now a new servicer without a choice given or any signature required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: SUNTRUST BANKS, INC.
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2016 I refinanced my SunTrust Mortgage and replaced it with The XXXX XXXX XXXX XXXX. Once XX/XX/2016 hit, the refinance was settled and SunTrust received all of the necessary funds and more to close out my mortgage with SunTrust. I actually received a written note from SunTrust attached here that proves that THEY received the payment to close out their loan and then send me back the additional overpayments ( of course that still has not been received but that is not the key issue at hand ). BUT THE ISSUE is that they still have a lien on my house and wo n't remove that from the county. This is highly offensive because I can not get a home equity line of credit until that lien is removed. What legally can we do to force SunTrust to remove the lien because they claim that they can hold me hostage for 90 days when you will clearly see that they already confirmed that my entire loan was paid off from their email sent almost two weeks ago. Looking forward to learning what pressure you can put on SunTrust so that my new HELOC application with another lender can be processed since I am being held hostage while SunTrust refuses to remove their lien. THIS IS THEIR CONFIRMATION THAT THE ORIGINAL MORTGAGE WAS PAID OFF IN FULL ... ... ... Payoff Processed Dear XXXX XXXX : Your payoff has been processed. 
Payment Details : Process Date Description Amount XX/XX/2016 Loan Paid-in-Full {$560000.00} Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX , CO XXXX Please contact our Client Services if you have questions regarding the above transaction. 
Contact us at XXXX. Our hours of operation are XXXX to XXXX. Monday through Friday, and XXXX to XXXX., ET, on Saturday. 
For our XXXX clients, please contact us using the Relay System at XXXX. The Relay System is not available on federal holidays. 
Thank you for choosing SunTrust Mortgage. 

SunTrustMortgage.com This message is for information purposes only. Please do not respond to this email address. 
The information contained in this message is proprietary and/or confidential. If you are not the intended recipient, please : ( i ) delete the message and all copies ; ( ii ) do not disclose, distribute or use the message in any manner ; and ( iii ) notify the sender immediately. In addition, please be aware that any message addressed to our domain is subject to archiving and review by persons other than the intended recipient. 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 2020-03-19
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I write in connection with the Discover Card ending in XXXXThis charge off account is present on my credit report. The presence of this tradeline is in accurate. I submitted multiple disputes with the credit bureaus all of which were unsuccessful. I contacted Discover directly. Discover 's " proof '' that I was the obligor on the account was the existence of the bills. Discover provided no other evidence that I actually applied for the account. The existence of the monthly bills, in and of themselves, does not constitute proof that I am the actual account holder. Discover has never provided proof that I actually applied for the account or that I made payments.

It my position that I am not indebted to Discover Bank because I did not apply for or benefit from the goods and services provided by Discover Bank. I attach the monthly bills sent by discover It appears that origin of the Discover account in question relates to the XXXX XXXX XXXX # XXXX XXXX, California XXXX. I have no association with this address. Additionally, the mailing address was changed to a PO Box address in the last stages of the account. 


This account was opened without my consent in XXXX of 2014. The entire lifespan of the Discover Card account was less than 2 years. The account was used and benefitted by the identity thieves and discarded. In a short amount of time, the identity thieves abandoned the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19
Company: CL Holdings LLC
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ITEM IN DISPUTE : JEFFERSON CAPITAL SYSTEM 12 XXXX XXXX DISPUTE REASON : Ownership I have no knowledge of this collection account as the account was paid in full to XXXX when account was closed 10 years ago and I have not since had another phone CONTACT INFORMATION JEFFERSON CAPITAL SYSTEM XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: AES/PHEAA
State: NE
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:
FedLoan Servicing took over as my student loan service provider after I submitted paperwork for Public Service Loan Forgiveness. I did not receive notification from FedLoan Servicing until XX/XX/XXXX, which was in the form of an email that only provided information on setting up my account with them. On XX/XX/XXXX, I received information in the mail from them describing repayment options and student loan forgiveness. They also provided information about my first payment, which was scheduled to be due on XX/XX/XXXX. The letter detailing this information was dated for XX/XX/2016, three days before that first payment was due. 
After setting up my account to see if it was possible that it was a typo and actually meant XX/XX/XXXX, I noticed that my student loans were labeled as delinquent. I contacted FedLoan Servicing today and spoke with a customer service agent, who notified me that my delinquent status would not affect my credit score or my chance for student loan forgiveness. The person I spoke with also notified me that FedLoan Servicing provides a 15-day " grace period '' for payment. This information was not provided to me in any of the documents I was sent via mail or email. 
I do not believe that I was given sufficient notice for payment from FedLoan Servicing, nor was I informed that there is a 15-day grace period to pay until after I called to speak with someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: AES/PHEAA
State: AL
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:
I have received absolutely abysmal service from MyFedLoan Servicing. They botched my consolidation process, they overcharged my interest rates, they provide completely inaccurate information from person to person, and they also have botched my recertification for income based repayment plans -- sending me notices to pay astronomical amounts when I have proof that I filed the appropriate paperwork 3 months prior. They are a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: PROVIDENT FUNDING ASSOCIATES
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on my home refinance loan with Provident Funding on XX/XX/XXXX with a funding date of XX/XX/XXXX. On XX/XX/XXXX, my loan was still not funded and I was told that it would not be funded due to my recent work furlough which occurred on XX/XX/XXXX. This loan was supposed to be funded days before I was even aware of my employment situation. My broker followed up with Provident Funding several times during the process and was very detailed on the timeline of the needed funding. When my broker followed up on XXXX to inquire ( email is attached with this communication ) as to why it had not been funded, Provident Funding explained that they had an uptick in loans and had put a certain PRIORITY on their awaiting loans. I find that to be disrespectful and unethical. WAS MY LOAN NOT A PRIORITY TO PROVIDENT FUNDING? 

The bottom line is that my loan should have been funded on the XXXX but they pushed it back in place of other loans that better fit their priorities. I had done everything asked of me from day one and my equity and assets were a solid back up for this loan. I understand that there may have been delays at the time but we received no communication from Provident, as to the timeline of funding. A couple of days is one thing but almost two weeks is another. Even though they were almost two weeks overdue, they never provided detail on a potential timeline. In the time that they were dragging their feet and putting other loans over mine, I was furloughed and lost the loan all together. 

This is obviously a huge waste of my time, money and effort during a difficult time for me and my family. Again, I did everything asked of me and my funding was delayed due to priorities of other Provident Funding loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
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:
I applied for a small personal loan today XX/XX/2020 because I was laid off of work and I need to pay off bills but I did not get approved because apparently there are accounts in negative standing appearing on my credit report. I was not aware of these accounts because I have always made sure to keep my credit history in good standing. I looked through my credit report and I found a total of eight accounts that do not belong to me. I have no idea who is responsible for opening all of these accounts in my name without my permission but I have already gone to file a police report. I did not benefit anything such as money, goods, services from any of these accounts nor am I affiliated to any of those companies in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I currently have an outstanding balance owed to XXXX XXXX for the amount of {$2500.00}. The balance has since been forwarded to a collection agency who is reporting a negative report on my credit. I was enrolled in a repayment plan in XXXX ; however, I am now doing an overseas tour with the XXXX XXXX and have lost communication with the debtor. I want to repay the amount owed however I want to request to remove the negative report from my credit as I was not able to receive notifications of the collections. This issue is now causing a decline in my credit score and will impede me from continuing my education in the future.

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 2015-12-01
Company: Netspend Corporation
State: IN
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
The Social Security Administration had informed me that they had sent my payment to Metabank/Netspend on Wednesday, XXXX XXXX, 2015. Usually it 's available the moment it 's sent, but has not been since. They are giving me the runaround saying it is not available when SSA is saying it is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: SUNTRUST BANKS, INC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a conventional, fixed-rate mortgage with SunTrust Mortgage. They have an escrow for my city/school taxes and homeowners insurance. When my homeowners policy was being paid for, SunTrust paid out the amount of the policy twice - one to the correct insurance company and one to the incorrect insurance company who I do n't have any business relationship with. I 've notified SunTrust of the mistake immediately on XXXX XXXX, they acknowledged that the payment should not have been issued twice, but since then I 'm not able to get the incorrectly issued payment refunded to my escrow account. Phone customer support is not helpful and makes continuous mistakes in handling my issue. Numerous times I was given promises of customer support to call me back, but was only called back twice. I 've escalated the case numerous times but as of XXXX XXXX there is still no refund. I 've asked to talk to the SunTrust Mortgage management, and was told that they would call me back - but they have not called back. I 've filed a complaint with the customer service in SunTrust, but they just closed the complaint form without contacting me and without any comments about the complaint resolution. The customer service that I 've received is terrible - SunTrust Mortgage paid out money from my escrow to a completely unrelated company but is not refunding me that 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 explanation
Consumer complaint received 2015-05-14
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I set up Bill Pay with SunTrust Bank. On XXXX I tried canceling the bill pay before XXXX. It would not let me cancel. As a result my account over drafted and I was changed multiple overdrafts. Right now the fees total around XXXX. I am requesting a refund of part of the fees.

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