BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-05
Company: Navient Solutions, LLC.
State: CA
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:
When I finished graduate school, back in XX/XX/2012, I requested via phone to consolidate my loans. I was planning on doing the Public Service Loan Forgiveness program and was told that in order to qualify, my loans needed to be consolidated. 

However, when I called Navient with this request, I was told that my loans were already consolidated, as they were all under one lender/servicer, and that I was good to go. It wasn't until years later, after I had worked in non-profits for 4 1/2 years that I found out my regular monthly payments weren't counting toward my forgiveness because my loans weren't properly consolidated.

Because of the misinformation from Navient at that time, I lot 4 1/2 years of regular payments toward forgiveness, I made career and life choices to work toward loan forgiveness, only to find out they weren't actually counting. 

My loan servicer eventually changed to XXXX, so I no longer have contact or records from Navient. But in light of all of the recent press and information coming out about their practices, I felt it important to share.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have submitted a certified letter to this creditor requesting validation of this debt and I specified please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.

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 2020-03-01
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2019, I made a purchase from one of XXXX XXXX locations in XXXX  XXXX. I was led to believe they lady is giving me a membership card but she ordered a credit card under my name without my permission. I immediately cancelled the account on the same day, but since then have been receiving monthly bills. Since then I had to call three times to cancel the account, and each time, was guaranteed the account is closed. 

Last week I received a letter asking me to pay XXXX  dollars for the credit card, due to fees and interest. The due date is tomorrow, and I just not got back from a vacation and witnessed it. 

I called again, and canceled the account, again, through a machine, due to customer service being closed. 

I'm not sure how to address this issue anymore and asking for assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-09
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I received an new escrow statement at a time where we were changing insurance companies and disputing taxes  with the county.   In this statement, I was told that I needed to pay a lump sum for shortage or I needed to pay a monthly penalty for shortage.  <P/>  Wells Fargo do es not kno w how to read an escrow account. For three years, I 've received a refund th at I 've turned around and applied to the mortgage. I called to ask why and the person on the other line wanted to argue with me.  <P/> Additionally, they escalated to their management. The  manager  was just as bad as the regular associate. He told me he was going to apply my extra principle payments to my escrow account. I do n't know why they would do this. I advised that I was purposely paying additional principle payments, and no one a  t Wells Fargo had better change these payments.
<P/>
I received a letter in the mail from this associate with the same information that 's available on their website. Go figure. I called the number on the letter to get another poorly trained Wells Fargo   associate. This associate did n't want to take care of the problem. He set me up for another call back. I know, right?  <P/> So, this person calls me tonight to again tell  me Wells Fargo i s correct. He wanted to tell me he has all the correct numbers to find out he is completely and undeniably wrong.  <P/>  Wells Fargo  did n't take into consideration my {$600.00} escrow only payment or my {$450.00} escrow payment o n  XX/XX/XXXX  o  r  XX/XX/XXXX   ( give a few days because I pay my mortgage early ). Additionally,  Wells Fargo had  {$930.00} insurance ( ap prox ) and {$4400.00} taxes ( approx ).   Both of these numbers are wrong. Because of the mistake at the  auditor, my in surance company miscalculated my annual premium. They had to request and adjustment. The adjustment was sent to  Wells Fargo. I have n ot seen a statement with the corrected numbers. The taxes were also updated to approx {$4000.00}. The auitor did not realize we had  a 3 car gara ge and thought we had a finished basement. I tried to communica te this to Wells Fargo, but t hey are not too educated.  <P/> My taxes are due   XX/XX/XXXX  and  XX/XX/XXXX  every y ear, and my insurance is due  XX/XX/XXXX  every year. With that said, I 've calculated my payments going forward for the next 20 years, and my escrow account does not show negative or within 2 months ( {$900.0 0} ) du ring this 20 year period. Of course, I do n't know what the value of my house or insurance will be from year to year. I have some cushion though for the possible increase.  <P/> I would n't be so unhappy i f Wells Fargo was  In the ballpark. They are not.

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 2020-03-01
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
About a month ago, I was approved for a discovered card. I received the card, as the already approved me, and used it. Within 3 days, I wanted to finish setting up my online account but fond an error message to call some 855 number. I also received an email stating that discover needed to verify my XXXX idententy, or something like that. I miss managed the form and immediately called to have it re-sent to me, she said it would take a few days to update my account. I IMMEDIATELY filled this 'previous ' IRS address. I filled it and sent it. 

This morning, I received an email that my account was closed! I contacted the chat link, but all I got was 'you will get a letter in the mail '. I asked the chat person if DIscover needed a DNA sample, or what?

1. DISCOVER ACCUSED ME OF STEALING MY OWN IDENTITY! This is humiliating. And they do not know that as a XXXX VETERAN with XXXX, the simple act of 'calling ' IS NOT something I do, yet I did, as a responsible costumer. DO THEY WANT MY MEDICAL RECORDS? I can prove my XXXX! 
I provided all my information to the best of my knowledge in full honesty. I am me!

2. I wasnt even given a chance to make payment before DISCOVER CARD affected my credit reports! Now I have a suddenly, closed account that dropped my score. DISCOVER CAUSED ME CREDIT HARM!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX 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 non-monetary relief
Consumer complaint received 2020-12-12
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My finace was treated by XXXX XXXX XXXXXX/XX/XXXX before he passed away. The medical office has hired IC Systems and XXXX XXXX XXXX to pursue collection attempts and have added the debt as a collection account to my Credit File with XX/XX/XXXX and XX/XX/XXXX When I communicate with IC Systems and XXXX XXXX XXXX they have no details on the file to give me and have even had an incorrect address. The debt is not mine and I have filed a dispute with IC Systems and XX/XX/XXXX The result of the XX/XX/XXXX Dispute was that it was a " valid claim '' and it is not. I have been attempting to address this incorrect debt attached to my credit report since XX/XX/2020 with no success ( dispute filings XX/XX/2020 # XXXX, XX/XX/2020 # XXXX, XX/XX/2020 # XXXX XXXX. I am still disputing this debt. the accunt with IC Systems is 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 2017-12-05
Company: M&T BANK CORPORATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with M & T Bank. I have gone through bankruptcy and have had a modification. A program I thought was suppose to make home affordable. Instead, my mortgage continues to increase and I am not understanding why that is. I want and need to know if M & T Bank is acting accordingly when it comes to my mortgage.

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 2017-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
have been writing letters to this company for m ore than two years. I 've made several request for this company to investigate, re-investigate, requested copie s of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even thou gh TWO YEARS has already passed. Alll I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.

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 2017-06-10
Company: EQUIFAX, INC.
State: SC
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:
In XX/XX/XXXX, I was XXXX and in search of new car. I went to XXXX XXXX XXXX in XXXX, SC and spoke with a gentleman with the last name of XXXX. We came to an agreement on the car that I wanted and we were negotiating the price, I filled out an application but told him that I would not give it to him to run until we get the car prize down. He wrote down an offer and took it to his superiors to finalize. His superiors ran my credit and reneged on the offer that they intitally gave and that XXXX offered. I left the delearship with no car and about XXXX hard inquiries on my credit. He intitally told me that when we come to an agreement and he runs my credit, it would only result in XXXX inquiries. I bought the agreed upon car for the agreed upon price in XX/XX/XXXX at another delearship. I filed complaints about what happened, but no one has been able to help me. I have no recourse to get these hard inquiries off of my credit and XXXX XXXX is probably still doing shady practices to unsuspecting consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
United States Treasury put a hold on my mom 's personal account at Chase Bank in XXXX, froze her SSI check flagging her bank account that 's she 's been dead for the last 2 years. This occurred X/X/2017. Additionally, US treasury charged my mom 's account over {$18000.00} indicating she was in arrears over last 2 years receiving SSI checks and saying that she was not eligible.being dead. My mom is very much alive. <P/>.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My account was approved and opened in XXXX 2017, with a credit line of about {$1200.00}. However, without any prior notice, this account was closed in XXXX 2017. I had paid the account out before the payment was due on XXXX XXXX 2017.  The payment was {$43.00} leaving a XXXX ( XXXX ) balance. I received a letter in XXXX XXXX, 2017, stating " We want to inform you that we are closing your Kohl 's credit card account issued by Capital One, National Association. The reason ( s ) for our decision is as follows : " We have observed activity on a past or present Capital One account that is not consistent with our expectations of usage for personal, family or household purposes. '' I have no idea what this means. I had a Capital One account that I used wisely and on purchases such as medical bills, clothing, etc. Absolutely nothing that was inconsistent with anyone 's expectation. <P/>However, I have filed several complaints regarding Capital One and its ' faulty customer service. I agreed to close this account with Capital One after receiving compensations for errors made. <P/>This appears to be retaliation as my credit is excellent and all my purchases were purchases that anyone would make. The challenge was the poor customer service with Capital One. <P/>I have not received a statement from Kohl 's or the amount that I over paid on the account prior to the company closing the account without my knowledge or my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: Diversified Consultants, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX is a terrible company they gave me a debt of XXXX dollars for a phone I just got and I recently switched and now they 're trying to set a collection on me if I did n't pay I have the XXXX XXXX XXXX XXXX as my lawyer and if they think they can take me for a ride they ca n't I 've had numberous complaints about this company and how they poorly treat they 're customer told me I was a valued member. They harassed me and said if I do n't pay they would collect judgment all I had was a phone and tablet and they gave me a XXXX dollar fee because I was late paying them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
I have a judgement from XXXX XXXX XXXX in XXXX XXXX, Tx, which i have never done any business with such apartments. I have never lived in this apartments or co-signed for anyone. I went to the municipal court and pull out the judgement, which pertains to a " XXXX XXXX ''. I was never served for this judgement, i had no idea it was there until my background check was done from a Company i applied with. This Judgement in preventing me from getting hired. I need this removed from the BBB as soon as possible. <P/>Your attention to this matter will be greatly appreciated. <P/>XXXX XXXX XXXX XXXX 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 2020-04-22
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I have had my Bluebird American Express account for a few years now and on XX/XX/XXXX tried to use my card and found out I was locked out of my account so I tried several times to call customer service and continue getting hung up on followed by a recording that states Im permanently suspended!! Please help I have written to them tried contacting them to just get the money that had been direct deposited into my account and money I had in my remaining balance sent to me by check but I havent gotten a response or anything from them!!! I also noticed I had received two emails one one XX/XX/2020 that stated I changed my password which I did not and another stating that I changed my email address which I did not and for me to confirm these changes which I didnt and to call the customer service number which I cant get through too!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-18
Company: Experian Information Solutions Inc.
State: MO
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:
Disputes and accounts where not verified no info that it was verified was sent to be by mail, they just simply stated that they will not Reinvestigate.

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 2021-04-08
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to finance a vehicle through XXXX XXXX XXXX. My XXXX  credit report still shows a fraud alert that I have requested to have removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX OH XXXX My DOB XXXX SS XXXX is my info. Please REMOVE/DELETE the PHONE NUMBER XXXX .... MY CURRENT AND ONLY NUMBER IS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was hospitalized for 2 days. After my release I started receiving bills. I could not keep up or interperet some of the billing and when I tried to make payment arraingments with the medical facility but they said I had 30 days to pay in full. I had not even received all the billings before they turned me over to a debt collection agency which has drastically negatively effected my credit scores. 
The dates originated in XX/XX/2018. I had been making regular on-time payments for 3 separate collections, one was for {$480.00}, one for {$1900.00} and one for {$150.00} those totaling {$2600.00}. 
I recently paid those off in full. The problem with this has been, instead of the collection agency paying off the lesser amounts first, theye applied all payments made toward ONLY the highest amount, leaving the two lesser amounts at 0 % paid for the last 2 years. I was unaware of this practice until I went to apply for refinancing. My credit score went from a equifax score of XXXX to XXXX. It has not improved much because it still showed 3 accounts in collections. the two lower amounts would have been paid within a few months if any money would have been applied to them, thus not damaging my credit as bad or as long.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation