BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-11
Company: EQUIFAX, 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:
I am applying for a mortgage. My credit was pulled and Equifax returned a score of XXXX on XX/XX/2020. I noticed information I thought was incorrect and filed a dispute and no updates we made based on dispute. On XX/XX/2020 my score was checked and they returned a score of XXXX which is now going to cost me $ 1000s of  extra in interest. The company has been unable to explain why my score decreased despite no additional information. As far as I can tell filing a dispute cause my score to be lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
XX/XX/2020, XX/XX/2020 sent letters to all 3 credit bureaus about the chapter XXXX bankruptcy filing

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for assistance with my mortgage via my attorney on XXXX/XXXX/2015. My attorney confirmed a complete financial package had been received on XXXX/XXXX/2015. Bank of America is my servicer. The person assigned to my application has stated to my attorney they can not and will not use my pay stubs because the pay stubs do not show an ending date for my pay period. However, the company I work for is XXXX of the XXXX in the state of Nevada ( XXXX ) and they issue all of their pay stubs this way. This is simply an excuse to evade reviewing me for assistance. I have already been approved once before and my pay stubs have not changed. My attorney also advised me that they have assisted hundreds of other people who work for XXXX using the same type pay stub and no other underwriter, point of contact or servicer has had a problem with the pay stubs. It is obvious what the pay period end date is as I am paid every XXXX weeks. The start of the pay period is listed as well as the actual pay date. Underwriting can either calculate the date themself or simply go off of the pay date. Rejecting my application is unreasonable, unfair and possibly illegal per Regulation X of Respa servicing laws. They need to stop playing games regarding my pay stubs and move forward with the review. I have supplied a verification of employment as well and they have everything necessary to review my application.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am the victim of an unlawful foreclosure by Bank of America. I filed a filed a lawsuit but could not afford to keep fighting with Bank of America and their team of lawyers. I was evicted from my home, and lost not only the house - but my life savings. I am XXXX from a XXXX and have struggling to survive. I have still not recovered from losing my house and have been renting rooms since then. 
The foreclosure happened in XX/XX/XXXX. How can I file an appeal to be included in the compensation? Surely a foreclosure in XX/XX/XXXX is as devastating as any in XX/XX/XXXX. 
Please help me in any way that you can. 
Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I file this third complaint with the CFPB against Navient ( formerly XXXX XXXX XXXX for the following reasons : In Navient 's response to the XXXX prior CFPB complaints I filed last year, Navient indicated they would include a note to credit reporting agencies indicating I was disputing the debt Navient was reporting. In reviewing my credit report in XXXX 2016, I find that Navient has failed to report to credit reporting agencies that I am disputing the debt Navient has refused to provide me with a breakdown of the payments I have made to them and what portion of those payments have been credited as interest, principal repayment, fees, and penalties Navient has refused to provide me with the formula they used to calculate the amount they claim is owed Navient continues to negotiate in bad faith. Last year, Navient extended to me an offer to settle the debt. However, Navient did not convey the details of this offer, nor the fact that they had even made the offer, to the debt collection agency that they employed and advised me to contact to finalize the offer. When I informed CFPB and Navient of this fact, Navient then distorted the facts and suggested I mislead the debt collection agency. I did not - the debt collection agency had no knowledge of any settlement offer. Navient subsequently threatened that if I refused further calls from yet another debt collection agency, they would not honor any prior settlement offers Navient has now employed yet another debt collection agency that has begun contacting me at irregular hours. I have contested this debt, complained about Navient 's deceptive, unethical business practices, and have attempted to negotiate with Navient in good faith to reasonably settle the debt. Considering there can be no question that I have disputed this debt, Navient 's use of another debt collection agency is nothing more than another attempt at harassment and intimidation Prior CFPB complaint numbers : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: JPMORGAN CHASE & CO.
State: MS
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:
The first thing I want to address is that my Social Security number belongs to me. You do not have the right to put a freeze on it unless requested by myself, this is an unethical way to obtain business. The second, the mortgage, that is on my account, the debt does not belong to me, my ex-husband bought me out of the house, legally bought me out. This debt is legally not mine. My brother is a attorney and this has caused me monumental problems. I need this off immediately, or you will receive a court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was directed to take a forbearance and also went into default instead of working out a better payment plan. Once this happened my loan almost quadrupled in amount. I have n't received any help getting the interest rate lowered or offered any better repayment plans even though my credit is much better now and my payments are all on time. 

The only debts I have are student loans and a house payment ( no credit cards ) and even though I work many hard long hours and have a well paying job I still struggle and live paycheck to paycheck. I graduated college in 2005 with a XXXX only and I am still currently paying XXXX dollars a month in student loans alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Meritize Financial Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have previously submitted a complaint about Meritize, however my complaint was closed because CFPB was under the assumption that it has already been handled. The vice president of finance from XXXX XXXX XXXX XXXX XXXX called me on XXXX XXXX to inform me that they submitted a refund and I only owe {$2000.00} for the loan on XXXX that Meritize was charging me {$20000.00}. I asked XXXX ( Vice president of finance from XXXX ) to review my loan from XXXX since they charged me XXXX when I only took 6 classes and 2 of those classes where minor classes. I have not had a response yet. I checked my account on XXXX  which is under Meritize and it doesn't reflect the refund at all! Meritize transferred over my loan from XXXX  to now XXXX. I logged on to my XXXX account and they are now charging me {$50000.00}. This situation is financial abuse and very unacceptable, this is one of the reasons why many people in the United States refuse to go to school and get a degree. I just want to get charged honestly and get charged for the classes that I really took. This has really been causing me sleepless night that this situation still hasn't been resolved correctly. I also was never informed about the National Emergency Forbearance that Meritize had and was under the assumption that it was automatic since it was a world wide pandemic. Please help me resolve this issue and before you close this complaint I asked that the complained has been truly resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, 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:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section XXXX of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section XXXX ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX {XXXX}, XXXX XXXX XXXX XXXX {$XXXX}, XXXX XXXX XXXX XXXX {$XXXX  XXXX XXXX XXXX XXXX {$XXXX}, XXXX XXXX XXXX XXXX {$XXXX}, XXXX XXXX XXXX XXXX {$XXXX}, XXXX XXXX XXXX XXXX {$XXXX} and XXXX XXXX XXXX XXXX $ XXXX stated, in the FCRA, you are required to respond to my dispute within XXXX  days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX I found out my identity was stolen. I filed a report with the FTC and with the police department. I mailed all the paperwork to Transunion and they refused to remove the information. They still have the fraudulent items on my credit report. I have requested multiple times for the items to be removed. 

XXXX  {$410.00} XXXX  XXXX {$1200.00} XXXX/XXXX  {$780.00} XXXX/XXXX  {$830.00} XXXX/XXXX  {$160.00} XXXX XXXX  {$2500.00} XXXX/XXXX  {$1800.00} Also there are 39 inquiries that were not authorized by me and they have refused to remove them. All inquiries listed are fraudulent except XXXX XXXX  dated XX/XX/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 2021-12-15
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Got s bill from an account I didn't open nor did I make the purchases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: FL
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:
When I analyzed my credit report, I discovered that there are inaccurate information. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reported items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : 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 2022-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital One has overcharged me on interest since I opened the account at a rate of over XXXX percent when the current rate is just over XXXX percent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Portfolio Recovery Associates Uses False dates on when account was originally opened to make it seem recent. This method is commonly know as a Re-Aged account for purposes Of collecting on an account that is actually outside the scope of XXXX years. Claiming an account was opened in XXXX trying to make it seem like a more recent account. When In fact the account was opened in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On XX/XX/2018, I requested a forbearance from my loaner Navient across all of my 3 loans with a total of {$150.00}. A week later I was notified on XX/XX/2018  my payment was reversed due to not being able to locate my account. I immediately called first thing XX/XX/XXXX and resubmitted my payment with the same account information. The payment was then credited to my account as expected but the following day on XX/XX/XXXX I received an email regarding my loan not being paid. I called Navient again that morning and was told the amount I paid for forbearance was not applied to my account properly and would need to be read the disclosure again. Following the disclosure I was told the loans were in forbearance. Later on XX/XX/XXXX I recieved another email regarding my loans. I called Navient again and was told my payment was not applied properly a third time. I was read the disclosure and assured my loan was in forbearance. Today XX/XX/XXXX I received another email regarding my loan and when I checked my loan accounts, they are in fact still not in forbearance. I have proof of my payment through bank statements and will call once again tomorrow XX/XX/XXXX. This is outrageous!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$630.00} ; XXXX  XXXX XXXX Balance Owed : {$890.00} ; XXXX XXXX XXXX XXXX Owed : {$500.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXXBalance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ( included in bankruptcy ) ; Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016

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 2017-01-24
Company: Navient Solutions, LLC.
State: CA
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:
Around XXXX I had an initial conversation with a representative of the Financial Aid office at the XXXX college in XXXX which CLOSED down a year after. 

During that almost four-hour conversation, I emphasized that I MIGHT be willing to cosign to support my daughters costs of attendance if she needed my help. The lady informed me that because my daughter was XXXX, she could enter into the loan independently and that she was guaranteed to be placed in suitable employment upon graduation, and that would enable her to repay the loan proceeds herself. And the loan would not be due to her until at least 5 yrs upon graduation. The school closed and my daughter was never given a job and now her degree is useless because there are no XXXX school left in USA. 

The financial person requested my personal information to run a credit check for eligibility " just in case '' my daughter needed a cosigner for the loan. She did not inform me that providing this information meant that I was granting permission to be listed as a co-borrower and for the loan to be generated using my personal credit profile. 

The result : there were XXXX loans generated on both my daughter and myself. My daughter has a loan for about XXXX. The Loan was granted ( me ) was done for almost XXXX WITHOUT my signature and I have paid back I believe close to XXXX because I was scared if I did n't pay my credit would be affected! 

I created an account and finally was able to contact customer service representatives in the XXXX XXXX and XXXX. They informed me that I had a loan that was due and payable immediately. I was told that if I did not make immediate payment arrangements, the loan would go into default and it would negatively impact my consumer credit rating. I felt explicitly threatened and intimidated and since I could not find anyone at the XXXX XXXX loan agency to contact stateside to contest what was a fraudulently made loan, I assented and agreed to make payments. 

I called every month to protest these payments, demanding other agency contacts that I could reach to rectify this gross injustice and fraud. No such information was ever provided and I continued to pay until I placed the loan in deferment for the past 5 years while I continue to fight and find answers. As of XXXX XXXX, I have paid more than {$20000.00} total, and there is still and outstanding balance of over {$40000.00} due on this loan I did n't not take out. Further, my daughter was also made a loan that is also in deferment with a XXXX balance due as of XXXX XXXX. And XXXX now Navient keeps telling me to defer the loan. I am trying my best to have someone assist me with this fraud - I have papers with NO signature of mine on this loan ; my name is TYPED by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Per Navient, I am eligible for an Economic Hardship deferment. On XXXX/XXXX/16, I submitted my EH deferment application, and my confirmation told me that I had 30 days to submit proof of income. On XXXX/XXXX/16, I faxed proof of income ( bank statement ) to Navient. On XXXX/XXXX/16, my EH deferment was denied because of no proof of income, mind you, I had faxed it ( I have fax confirmation of this ). On XXXX/XXXX/16, I received an email from Navient saying that my EH deferment could n't be processed because I was " missing information. '' On XXXX/XXXX/16, I uploaded on Navient 's website the following : the XXXX/XXXX/16 email response with the required and necessary supporting documentation ( I highlighted what was required and what I included which is EVERYTHING Navient asked to be included ), the same EH deferment application, and proof of income ( bank statement ). I had n't heard back from them. On XXXX/XXXX/16, I uploaded my EH deferment application again with all supporting documentation. I had n't heard back from Navient. On XXXX/XXXX/16, I faxed the EH deferment application with supporting documentation. As of XXXX/XXXX/16, I have n't heard from Navient, and my EH deferment application has n't been processed. Mind you, Navient has sent me a " 1st delinquency letter. '' I do n't know what the issue is with Navient, but I searched online for Navient reviews, and they are not positive by no means. I would hope this is n't the case, but it seems like Navient is trying to get borrowers ' loan into delinquency or default so it can demand more money/full payment. Navient also seems to operate more like a collection agency than a student loan service provider, and if so, it is questionable why Navient is handling student loans. It might be time for an investigation into Navient 's practices.

Company response to consumer: Closed with monetary relief