BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: FL
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:
I was making double payment when possible, sometimes triple payments in a month thinking the other payments were going to the principle, to pay the loan off quicker. But looking at statements navient was still putting every payment to intereste, then to the principal. When I email them, asking why it was like that they told me it was a government right to collect interest on all payments. Why can you make double payments on a car or credit card where the second payment goes fully to the principal, but not on loans. It makes impossible to pay loans faster.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Navient Solutions, LLC.
State: MA
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:
Navient stopped sending statements with balances on them, and I could not find one with a balance on the website ... the website showed that my loan was paid off, but I did not believe this to be correct, I had emailed and didnt receive a response so I called and spoke with their representative XXXX on XX/XX/2016 at XXXX and was told the loan was paid off but they could not provide me with any details and said I would get a letter and refund for overpayment in 30-45 days..I then received an email from Navient saying I spoke with someone so I was all set, I had to go to another website to access this email, this website allowed me to access a statement with a balance of {$33.00}. I emailed again that evening to find out what my payoff was and why I was given the wrong information, and have not received a response, this was after they put my loan into deferment without my authorization, and then reduced my payments when I asked to have my loan restored to my previous terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 discharged  my XXXX XXXX Credit card {$9000.00} with my XX/XX/2021 bankruptcy, but it is showing that it is in collections and was not discharged as it should have been.

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 2022-04-08
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
American Express card- I checked my account closely at XXXX 2021 and charges totaling {$4500.00} to e-gift cards from XXXX were on my mobile account. I reported this immediately and was told this happened to others and not just me! XXXXnvestigation and I assumed their Investigator for Fraud called me and it was hard to clearly hear him. Again, I assumed and shouldnt have!! They have now told me I am still responsible for these e-gift cards-I am an old lady and I do Not do anything EVER with e-gift cards. 
I never made the purchases!! I have been arguing with the Fraud Dept. For Months! They have also reported this to the credit bureaus!! XXXX XXXX is not taking responsibility here! I dont have $ to pay for Fraud on my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
Dear Sir or Ma'am : Please know that I am the executor of my mother 's will. Both my parents passed away within one and half years of each other. The house that my parents owned for almost 50 years was sold XX/XX/XXXX. Or so we thought. During the sale of the house, we were notified of a lien on the property that was never released. The lien is recorded in the XXXX County Registry of Deeds website under guarantee of XXXX XXXX XXXX XXXX. The release of the lean was never recorded. 
The lien is from XXXX XXXX XXXX XXXX, listed under XXXX XXXX XXXX, Document # XXXX, Book XXXX recorded on XXXX/XXXX/XXXX in XXXX County Registry of Deeds in Massachusetts. The lien is for XXXX XXXX XXXX in XXXX, Massachusetts. According to the information obtained on the Registry of Deeds, the lien is as a result of a home equity line of credit established in XX/XX/XXXX. A Home equity line of credit usually extends for a particular period of time until it expires. Please also note that there is no request for funds owed on a Mortgage of any kind for either my father or my mother. Please see page attached page from the XXXX County of Deeds website. 
Subsequently, XXXX XXXX was acquired by Bank of America. Bank of America was notified by our attorney XX/XX/XXXX, XXXX number XXXX of the non-release of the lien. As of today, XXXX/XXXX/XXXX Bank of America has not resolved the lien issue which is causing the buyer and myself unnecessary attorney fees. 
I would like to see a quick resolution to the inquiry. The lien should be released and recorded in order for the sale of the house. If the resolution continues then I would even like to see any expenses incurred for this delay refunded to the buyer and seller of the house due to the non-action of Bank of America. 
If you would like additional information you can telephone me at XXXX. 
Sincerely, XXXX 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 2022-04-08
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: Information belongs to someone else

Complaint:
These accounts do not belong to me, please block and remove per 15 USC 1681c-2.

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 2020-03-24
Company: Experian Information Solutions 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:
I have consistently disputed Experian for the verification method used to verify the bankruptcy on my credit report. I have a letter from the Court stating they did not list it, I also have a response from XXXX XXXX stating that my information has been locked. I've asked continuously for their method of verification and have yet to be provided anything but the same response over and over.

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 2022-04-08
Company: EQUIFAX, INC.
State: WI
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:
Reached out to equifax multiple times for multiple months via CERTIFIED MAIL regarding unauthorized inquiries. They advised me to file an FTC report which I did. It has been months and no responses nor removals.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received XXXX tickets from Washington XXXX. The ticket was sent in the mail with an expired Court date I called XXXX and asked when could I have a court date that the court date had expired. Told I could not get a court date ( right to due process ). XXXX XXXX XXXX was to be paid in XXXX County ( another error ). Told to write XXXX letters gone unanswered.XXXX ) Sent letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/XXXX2016, No response. Contacted XXXX/XXXX/2016. Called was told that the account at the request of XXXX was sent to Municipal Services Bureau. Come to find out from representative XXXX that XXXX and Municipal are XXXX in the same and that Municipal is the parent company. Team player XXXX stated the the dispute was put in on XX/XX/XXXX2016. No response. Even after request for me to resubmit another dispute. Misrepresented who they are and denied me the right to have this resolve by not letting me speak with a supervisor for resolution. The amount owed is completely different from the court house portal. Speeding ticket is XXXX and the XXXX suspension is XXXX now the ticket is XXXX XXXX at the Washington XXXX stated that the amount is high because I did not show up for court. Never had a court date. Called the credit bureau at least 20 times. XXXX/XXXX/2016 spoke with XXXX, XXXX, XXXX and he informed me that I need to submit another complaint dispute online that is the only way. XXXX 's team member said that they are a municiple court ( false ) an the have more time and she does n't know how long for a dispute. The letter XXXX and XXXX at the Washington XXXX was submitted 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Pioneer Capital Solutions Inc
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This should not be in my credit report. This collection agency reported this to the  XXXX  credit bureaus and they should not be in my credit report and I do not ow e Pioneer Capital Solution anything I want them provide me of contract a sign with t hem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Equifax for years not still have XXXX on my credit file as a repo and I have never had any repossessed vehicles! I have been going over this for many years for them to take this account and many others off of my credit file I will now have to file suit Their are several XXXX banks accounts also still there that I have reported as fraud as well over a year ago and I sent in paperwork from the company stating for all bureaus to remove the accounts from my file and all bureaus did it except Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Been out of work for almost a year due to health issues and they still will not work with me. Most of the people I talk to are rude and would not let me talk. navient is charging me every day even though I am paying payments. I have tried several times to explain to them I have been out of work and even tried to get them to let me get back into school so I could get a job. They cont. to take my payments but will not let me do anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
These accounts do not belong to me, please block and remove per 15 USC 1681c-2.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-02
Company: CL Holdings LLC
State: IA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have experience this 3 times inside of 2 years with 3 different carriers as my XXXX condition required 2 moves. 
This was a XXXX where I purchased the phones that claimed they would work in XXXX they did not- although there map of coverage and customer service claimed it was within the coverage areas. 
Purchased cell phone plan- cell phone provider was unable to meet the requirements of data services, coverage. Numerous calls to report missed calls, dropped calls, poor service or no service in areas that they claimed had service coverage. 
After months of calling customer service and complaining I cancelled my contract due to them not holding up there end of the contract- at that time I was told I could not do that and they would take immediate legal action. 
I figured since they said they were taking me to court I would n't have to do any of the filing and it was on them- surprise it went to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Around 2006, I consolidated about {$3200.00} of student loans while attending college and working. University XXXX, which one of my student loans were through, added another student 's loan to my consolidated loan. 
I contacted the bank and Dept. of Education Ombudsman, after the total of my student loan account reached {$17000.00} of her past due student loans. They were added to my social security number along with her last name. I refused to pay anything until an audit was done on my account. I am still waiting. I want to return to college and pay off my student loans. 
The Dept. of Education did remove part of her loan amount. My wages were garnished along with past income tax refunds which never reflected on my account or who knows. I have requested for an audit and crickets. Please help me with this. I have proof of this incident happened, so please call me so that I can fax the sheet of paper to 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 explanation
Consumer complaint received 2022-09-01
Company: DISCOVER BANK
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am submitting a dispute here because I was unable to file a dispute online with XXXX and XXXX, and XXXX. 

Review the attached document for supporting documentation. 

You will find Gross Negligence in the reporting pattern of DiscoverCard. There are several Gross violations being reported to each credit bureau. All violations are labeled for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am submitting a dispute here because I was unable to file a dispute online with XXXX and Transunion, and XXXX. 

Review the attached document for supporting documentation. 

You will find Gross Negligence in the reporting pattern of XXXX. There are several Gross violations being reported to each credit bureau. All violations are labeled for review.

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 2020-09-17
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The only name that should be reported on my credit report is XXXX XXXX XXXX. 

No other name is correct. I have tried time and time again to resolve this.

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 2020-09-17
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:
Remove the fraudulent information from my reports.

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 2022-04-08
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Company did not respond through the consumer Financial protection bureau portal and again is attempting to collect a debt that is not owed. 

Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ) as amended by this Act, is amended by inserting after paragraph ( 6 ), the following new paragraph : " ( 7 ) NEGATIVE INFORMATION. " ( A ) NOTICE TO CONSUMER REQUIRED - IN GENERAL,- If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
* ( B ) TIME OF NOTICE* IN GENERAL. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX ( p ). 
" ( C ) COORDINATION WITH OTHER DISCLOSURES.-The notice required under subparagraph ( A ) - " * may be included on or with any notice of default, any billing statement, or any other materials provided to the customer ; and ** ( i ) must be clear and conspicuous. " ( D ) MODEL DISCLOSURE DUTY OF BOARD TO PREPARE -- The Board shall prescribe a brief model disclosure a financial institution may use to comply with subparagraph ( A ), which shall not exceed XXXX words. " ( I ) USE OF MODEL NOT REQUIRED -No provision of this paragraph shall be construed as requiring a financial institution to use any model form prescribed by the Board. * ( ) COMPLIANCE USING MODEL A financial institution shall be deemed to be in compliance with subparagraph ( A ) if the financial institution uses any such model form prescribed by the Board, or the financial institution uses any such model form and rearranges its format. " ( F ) SAFE HARBOR A Financial institution shall not be liable for failure to perform the duties required by this paragraph " if, at the time of the failure. 
the financial institution maintained reasonable policies and procedures to comply with this

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 2022-09-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
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:
Bank of America reported a delinquent payment to credit bureaus ( XXXX and XXXX ). I do not have an account nor a credit card with the Bank of America and I never received a bill or a notice regarding any dues! Yet they have reported it without my knowledge.

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