BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-07
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had around {$30000.00} in student loans remaining at Navient after paying them down for about ten years. I refinanced with XXXX and XXXX remitted {$27000.00} payment to Navient on XX/XX/2018. That ended up being an overpayment of {$1400.00}, and both XXXX and Navient told me that Navient would write a check back to XXXX for {$1400.00} and they would apply it to the principal balance.

According to my Navient statement, they acknowledged the {$1400.00} overpayment on XX/XX/XXXX. After almost three weeks when {$1400.00} had not yet been credited to my XXXX account, I called XXXX and they said they had not received any check from Navient reimbursing the overpayment. I then called Navient and asked them to confirm details of the payment. They told me they " batched '' a check to XXXX on XX/XX/XXXX, but they claimed they could not provide me the check number or confirm whether or not the check was negotiated, and that it takes " up to a month '' for a check repaying an overpayment to be reflected in the new loan account.

On XX/XX/XXXX, a month after Navient supposedly sent a check to XXXX,XX/XX/XXXX XXXX had still not received a check ( I confirmed this through my online account and a call to XXXX ) so I called Navient back and the customer service agent confirmed that there was an overpayment in the amount of {$1400.00} and claimed that Navient had sent a check on XX/XX/18 to XXXX. I said checks don't take a month to go to another state, and she said that it could take six to eight weeks. I asked for a check number, whether it had been negotiated, and copies of the check, and she claimed it was impossible. After the call, I faxed them a letter demanding they process the overpayment and provide me evidence that they actually issued the check. They did not respond to that at all.

On XX/XX/XXXX, I called again and went through the same explanation and the Navient customer service agent gave me the same story that the " check is in the mail. '' I asked her to elevate this to another level of customer service to produce a check number and check images so I could track it and see if it was cashed, and she said she escalated it and that I would receive copies of the check " by XX/XX/XXXX at the latest. '' Today is XX/XX/XXXX and XXXX has still not received a check from Navient and Navient failed to produce the check number or check copies that they promised.

It is apparent that they never sent the check for the {$1400.00} overpayment, and that they have just been holding {$1400.00} to which they are not entitled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Bull City Financial Solutions, Inc
State: OH
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:
On the XXXX of XXXX, 2021, I sent out a letter requesting XXXX XXXX and Bull City Financial Services to validate a medical collection item for {$380.00}. 

In response to this letter, the collection agency ( Bull City Financial ) responded with a debt collection letter as well as a full copy of the bill with a full description of the services provided to me without proof that I signed an agreement to release my information to them. 

XXXX XXXX sent a response stating that " the company that reported the information has certified to XXXX that the information is accurate ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2022 a check written for XXXX was incorrectly cashed for {$70.00}. Check image clearly shows the check was written out for {$25.00} but the check cleared for {$50.00} more then it was written out for. 

Have emailed Ally Bank and tried to make a phone call but Ally Bank now allows unacceptable call times of 30 minutes! Customer no Service forces me to file a compliant with the CFPB

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 2021-10-28
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i was was abused and taken advantage of according to 15 usc 1692 sub section 802 : i have disputed transactions on my account which were fraud. i did not contract with XXXX  or the other accounts listed in the attachment, and the transactions were fraudulent. they were not valid and the company has agreed to the reversal and did not which i have now done with the bank, the bank claimed to complete a valid attempt to verify the fraud. the funds were retracted and i was violated by them closing other accounts other than the account the funds were removed from. this has caused my home to be placed in collections and many other constraints. an FTC has now been created and a full pursuit of Restitution and remedy are in pursuit. Navy federal has continued to make harassing calls after being request to Cease and Desist. 

Violation : 15 USC 1692 c Several efforts were made to state the fraud. and show proof. i did not authorize the transactions period. 

XXXX  : XXXX 15 U.S. Code 1602 According to congressional finding in the Fair Credit, as a consumer this has caused my family strain, there are violation 's that were committed against me which will be pursued as My accounts are continuing to incur charges due to their maleficence.

among many : _ closing the account and adverse action 15 U.S. Code 1681m - Requirements on users of consumer reports ( II ) bears on the credit worthiness, credit standing, credit capacity, character, general ( C ) Information described reputation, personal characteristics, or mode of living of the consumer ; and

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
My Remitly account has been suspended without cause. 

I use Remitly to send money to my family in XXXX since XX/XX/2020. XXXX, XX/XX/XXXX, I tried to log in to my account, but the following message was displayed " Your profile is locked. We've noticed some suspicious activity and took some precautions. Answering a few questions should clear this up ''. 

I immediately contacted the company via chat and they informed me that my account has been suspended because something indicated that I have violated the user agreement. 

I have been a loyal customer for years and I have read the user agreement and I did not violate anything. I asked to appeal and they asked to make an appeal and follow the instructions on this page XXXX XXXX XXXX XXXX XXXX 

I have not received any emails from the company informing me previously that my account was suspended or that they have received the appeal for my case. 

In addition to that, the company has a referral program that grants the customer {$30.00} per new customer that signs up and uses the Remitly service to send money. Because I advertise my referral link in my social network, I currently have more than {$150.00} that has been blocked on my account. So essentially, by suspending my account the company has blocked the referral bonus that I've earned, which is unfair and illegal.

I ask that the company unblock my account so that I can continue to use the service to send money to my family members.

I'm a loyal customer of Remitly and I'm very upset about how my account has been suspended unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft. I have enclosed my ID and Identity theft report proving it is in fact me that submitted this dispute.

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 2020-12-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
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 an inquiry on my Chexsystems report that I did not authorize. I am a victim of identity theft. The following inquiry was made without my knowledge or approval. 

XXXX XXXX XX/XX/2020

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 2022-10-03
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/2021 XXXX XX/XX/2021 -XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 -XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX 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 : It 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 2022-09-11
Company: EQUIFAX, INC.
State: GA
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:
All three credit bureaus, such as Equifax, XXXX, and XXXX, did not a proper investigation concerning disputing, raising my credit score, and deleting closed accounts that were included in my court-order XXXX XXXX XXXX All of the collections and negative reports need to be deleted from all three of my credit file/ bureaus, instead of reading closed in the status section. Please see the attached document for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit collection agency states I owe these two collections however when I sent validation of debt, they are unable to verify. This is a FDCPA violation of my rights. I demand these two collections be DELETED off my credit report immediately. They say they cant verify my information and I need to provide more but that is not my job to give them information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Per Loan Servicer ( LoanCare ) 's instruction on PMI removal, I sent in a check in XXXX which the servicer cashed on XXXX. XXXX, XXXX as the payment for requesting appraisal for the updated home worth. Though promised to have written communication about this in 60 days, I 've not heard a thing from them. <P/>My concern is that it 's not in their interest to remove PMI as they should, so they deliberately cash the check and not doing anything as I pay monthly PMI during the delay. I feel my rights violated and being played by big loan company.

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 2021-10-28
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On Thursday XXXX XXXX I initiated communication with XXXX of Bridgecrest requesting a cease and desist of all communication with the exception of written notice via mail. I was assured that I was not speaking to a robot and that I would not receive further emails. On XXXX XXXX I received an email from Bridgecrest stating " this is an attempt to collect a debt '', despite my cease and desist request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a business account and a personal account, I deposited 1 check, no transactions were done and they closed my accounts with no warning, and their best response is we have the right to close any account anytime for any reason!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: LA
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 sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Early Warning Services, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was trying to sell a bike. I was selling it for {$100.00}. A person messaged me on XX/XX/22 and said they were interested in it. We communicated for a while and she said she could pay me using Zelle. I've used Zelle before and never had an issue. The person told me that the money wouldn't go through because I needed to upgrade my account. It was {$250.00} to upgrade my account. I didn't want to do that. The person told me they had already paid the {$250.00} for me and I needed to pay them back. Then, it will get refunded to my account. I was receiving emails are well. In total, I paid {$1000.00} to this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The JPMCB CARD with account number XXXX appears to be a charge-off account with a specific balance of {$640.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX and XXXX Bureaus. As per FCRA, the 2 bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Credit Control, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is against XXXX XXXX XXXX credit card that had cancelled my credit card 2-years ago without any notification. And now it has been forwarded to the debt collection XXXX XXXX. I was asked to pay {$320.00} which I dont understand where has it come from. Recently I have received a letter to pay {$160.00} to settle the case. I dont understand how has it become the case. 

Id also like to mention that there are a few orders that were returned r sent back but XXXX never acknowledged nor did they ever refund the amount back. For instance : 1. Order # XXXX placed on XX/XX/XXXX includes 26-items. They have been returned via XXXX but I have never received the payment of {$1000.00}. 

2. Order # XXXX placed on XX/XX/XXXX includes 27-items. But theres still a balance of {$18.00} that XXXX owe me. 

3. Order # XXXX placed on XX/XX/XXXX includes 20-items. But I still havent received the refund of {$420.00}. The items  XXXX XXXX & XXXX XXXX XXXX XXXX XXXX  were returned in-store at XXXX, Montana. 

4. Order # XXXX placed on XX/XX/XXXX includes 35-items which were returned in -store at XXXX XXXX XXXX XXXX XXXX XXXX CA. But I still havent received the refund of {$310.00}. Those returns were merged with the previous Order # XXXX which was supposed to be picked up in the XXXX, CA store which I never did. 

5. Order # XXXX have already been returned via XXXX but a credit of {$370.00} is still missing. 

6. Order # XXXX and XXXX were supposed to be picked up at the store but due to COVID-19 situation, the stores were closed. Its been more than 2-months but those orders are still not cancelled yet and a credit of {$140.00} and {$470.00} are still missing. 

XXXX sometimes harasses their customers to pay the bills/charges which do not exist, but often forget to pay back what they owe.

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 2022-09-11
Company: Experian Information Solutions Inc.
State: NJ
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:
do to the XXXX XXXX  giving false pre-approvals, in which resulted in denials also caused many inquiries on my consumer report. The inquiries are effecting my chances of getting approved for any opportunities available to better my livelihood and the way of life.

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 2022-03-31
Company: CrossCountry Mortgage LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
There are a couple of recent pulls on my credit that I did not approve. XXXX/CROSSCOUNTRY MORTGAGE & XXXX XXXX I GAVE NO AUTHORIZATION FOR THESE PULLS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion has locked me out of the ability to check my credit report with them. I suppose I am complaining too much so they LOCK me out. Its been happening for days, just says technical problems after I log in and check disputes. Wow these compmanies get better and better, XXXX XXXX management who just wants to collect money and mess with customers. Will not continue, im a great customer you are bad people!

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 2021-05-12
Company: EQUIFAX, INC.
State: IN
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:
XXXX XXXX reported medical bills on my credit report which is a violation of my HIPPA rights. Reported to all 3 credit bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Truist has not enabled the ability to do external transfers to non-Truist bank accounts. I have called Truist multiple times and already set up and validated the accounts in their system. But, the web and mobile applications will not allow transfers. This used to work fine at Suntrust. Truist told me it is a known glitch, but has not resolved. I can not imagine how many customers are negatively impacted by this Truist failure to deliver.

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 2020-05-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$6500.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$7400.00} Payment Status Current Worst Payment Status XXXX Days Late Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times XX/XX/XXXX Days Late XXXX Needs to all removed from my credit report, all the lates were completely inaccurate

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