BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have reviewed my credit file and have been turn down for credit due to XXXX XXXX listing me as still having active revolving line of credit with them. This item does show as XXXX balance however it does show as an active line of credit which is incorrect. I was told by XXXX Representative at the company on XX/XX/XXXX that a request to delete my information was placed to all XXXX credit reports. I still see this item listed and have been turned down for credit due to this situation. I spoke with XXXX from consumer relations department at XXXX XXXX who researched and stated that this item should have been deleted back in XX/XX/XXXX and stated that it was deleted however it still showed listed on my credit report. I would like full resolution on this matter I am a single mother working very hard to clean up my credit. I have paid XXXX of dollars to do so by filing chapter XXXX and have been discharged and I am very confused as to why this is still showing on my credit file and has prevented me from obtaining certain credit needed for my family. I have learned that this credit stared from XXXX card and was given to XXXX XXXX to act as their collection agency. When XXXX gave my information over to XXXX XXXX I was in an active chapter XXXX case. So this was incorrect reporting from the start. Because I lacked maturity and did not have the education and tools I have now I was not able to confront this situation. I would like your assistance with resolving this matter please.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-23
Company: Navient Solutions, LLC.
State: CA
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:
My claim is in response to recent allegations brought against Navient. 

In 2009 I took out XXXX student loans through XXXX, which were later sold to Navient. XXXX loan as been paid off with XXXX My claim is in response to recent allegations brought against XXXX and Navient. 

In 2009 I took out XXXX student loans through XXXX, which were later sold to Navient. XXXX loan as been paid off with XXXX remaining open. 

To pay off XXXX of the XXXX loans, I placed a large payment with Navient to clear the principal balance in its entirety. The next month, I received a bill showing the loan had not been closed. When I contacted customer service, they informed me that as opposed to applying the total payment to the principal, they amortized it over the life of the loan, applying it toward future interest and principle payments. I was eventually able to have them restructure this payment to close out this loan, but not without great hassle. At no time upon initial payment was I told the amount would be amortized. When the amount was paid, I had specifically instructed to close the loan and pay the principle in full but this was not done. 

Prior to payoff of this loan, one year out of XXXX school, I was tight on cash and called to see if there was anyway to reduce my monthly payments so they would be more manageable. I was instead encouraged to take a forbearance. I was told it was a " great way to catch up '' because payments would n't be due for 3 months. At not time was I notified of the negative effects of taking a forbearance, and was shocked to find my credit score strongly affected by this a few months later upon trying to finance a new car. 

Following payoff of my large loan, I was left with appox. {$21000.00} between XXXX student loans remaining at a 6.25 % interest rate. I have paid $ XXXX/month for these XXXX loans specifically over the last 7 years plus additional periodic lump sum payments for $ XXXX {$1500.00} when able. To date, my principles between both loans have only been paid down by {$5000.00}. The Navient website does not allow you to see how your monthly payments are applied, simply the total principal left and the amount in interest you 'll pay assuming it takes 30 years to repay. Assuming I 've approximately paid out {$13000.00} in monthly payments over the last 7 years plus the periodic large sum payments I estimate to be about {$2000.00} in total, I 've paid XXXX/Navient approximately {$15000.00}. With approximately {$16000.00} remaining due on my principal. That mean 's since 2009, {$5000.00} of my payments have lowered my principal while {$10000.00} has been applied towards interest. Because of Navient 's website setup, I have no way of confirming application of such was done properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: IQOR US INC
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I had my Student Loans account with XXXX and I never missed a payment. When my loan was transferred from XXXX to XXXX XXXX, the monthly payment was increased from {$190.00} on XX/XX/XXXX to {$390.00} on XX/XX/XXXX. I contacted XXXX several times and each time I was informed that the new amount was due to the " consolidation '' of the account. My loan account had been already consolidated XX/XX/XXXX before it was sent to XXXX. XXXX refused to provide me a written explanation why my payment was XXXX after they took over the account. I stopped paying because I could not afford to pay {$390.00}. XXXX did not provide any solution to this situation. In the meantime they added {$8000.00} interest to my account. 

I was contacted by the US Dept. of Education XX/XX/XXXX and after calling them back I sent all the forms and documents they requested. Once they received them, they hand all my information over to a collection agency, AlliedInterstate. They added {$14000.00} collection fee to my account. 

I have contacted the Dept. of Education a few times. They said I have XXXX options : pay in full the owed amount ( which is not an option unless I win the lotto ) or " work '' an arrangement with the collection company. I contacted them or answered their call but they are full of XXXX because they know they " own '' me. I have also contacted the ombudsman, who all they did was to provide me a worthless case number but nothing else. 

Interest from XXXX and collection fees from AlliedInterstate have added are more than 50 % of what the original loan was. I 've never refused to pay my loan or missed a payment while the account was with XXXX. As an individual I have the right to know why my account has, all of the sudden, double the monthly payment and refuse to pay if no explanation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To whom it concerns, Fay Servicing continues to send the paperwork to wrong law firm over and over again. They have now sent a XXXX to my previous firm who failed to forward the document. I demand, let me say that again, DEMAND all of the paperwork and supporting documentation for the XXXX. I want ALL of the accounting records and proof that it should be issued. Because you took my property with faulty paperwork and sold it. The debt was paid in full now. I ca n't believe how many times I have filed complaints against this company and they break the law and ask forgiveness. And they get away with it. So, I demand a copy of the XXXX and all accounting records for proof. Please send it to the correct address this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
was looking for a personal loan, and I guy named XXXX called me he said from XXXX he has a lot of my information/ss # /bank where I bank/address. He said I was approved for a {$5000.00} loan, just had to send {$250.00} to get application going and for fees. I used Money gram and sent him the money, and he never called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Ongoing issue with Ocwen Loan Servicing.No mentioning now of any loan modifications in incomplete mortgage file or in response to Florida Attorney General 's office.Both loan modifications omitted from file.Latest was approved in XX/XX/XXXX.Revoked by Ocwen without providing adequate legal basis.Trial payments were made.Payment under new agreement was made and applied.Consequent payments returned.Requesting AGAIN to get complete copies including cover letter of both loan modifications.Questionable misconduct by XXXX XXXX assigned Florida attorney representing Ocwen in Court.Failure to disclose Loan Modifications in initial complaint to courts.XX/XX/XXXX GMAC Mortgage had a four per cent fixed rate.XX/XX/XXXX XXXX XXXX Ocwen Loan Servicing Relationship Manager called me and conformed Hamp Modification was approved with payment of XXXX Dollars monthly escrowed.Fixed rate.Questionable dual tracking based on timeline events.Served via Publication when available and charging XXXX XXXX County unnecessary fees for such publication.Questionable vendetta because prior verdict not in favor of plantiff.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was fully paid through garnishment and fully satisfied on XXXX XXXX but they continued to garnish my wages even after I contacted them to stop. They threatened to take me to court again and claimed I owed them an additional $ XXXXXXXX. The collection agency attorney even sent a signed court document dated the XXXX of XXXX showing my full satisfaction of the debt. I had to file for a hearing with the judge in order to get the cease garnishment letter filed and as an attempt to recover my over paid funds. Then on XXXX XXXX the attorney for the collection agency sent me another letter claiming I owed them {$2400.00} and that I needed to provide more proof that I did n't owe! This company and their attorney are violating the Fair Debt and Collection Act, exercising malicious prosecution, and abuse of process! I have paid my debt now they need to leave me alone!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX  XXXX Balance : {$31000.00} XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Other

Complaint:
The following CHASE Credit Card A/C information is missing in my XXXX Credit Report. 
A/C Type : Credit CardA/C Number : XXXX XXXX XXXX XXXXCreditor : ChaseI have already contacted XXXXCFPB Case number : XXXX-XXXXResponseWe have reviewed your complaint along with the information you previously provided regarding this issue. 
Additionally, we reviewed the letter you provided from Chase. However, we were unable to make any changesor updates to your credit file due to XXXX policies and procedures. As a result of our research, we show Chase # XXXX was removed from your XXXX credit file on XXXX/XXXX/2008 per the creditor 's ( Chase ) request. 
Please be advised that it is XXXX 's policy to only report information that has been verified by the creditor. 
The item you are requesting to be re-inserted to your credit file has not been verified and therefore, can not be re-added. 
Chase will have to submit a request to XXXX in order to have this account added back to your XXXX credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Other financial service
Sub-product: Check cashing
Issue: Fraud or scam

Complaint:
I XXXX XXXX cashed a check from my XXXX XXXX account for XXXX at ACE getting XXXX XXXX in XXXX to pay an XXXX bill which was paid already by my insurance company therefore this should 've been returned as promised by ace they told me that stop payment would be place on the XXXX and money would be return back to my account ace also said that i need to fill out a fraud affidavit and would go into his account get my monet back this took place on XXXX/XXXX/2016 trans number XXXX /XXXX XXXX was the teller there number XXXX want my money back I 'm a great customer of ACES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: MD
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: JPMORGAN CHASE & CO.
State: RI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I made an ATN DEPOSIT inside a Chase. Bank to a Chase account. I made the deposit in denominations of XXXX seconds, tens, fives, and was credit with only the twentys but XXXX of the tens and fives. The shortage of {$620.00} was reported to the Manager who called Customer Service. I was told that the credit would appear in 2 to 3 business days. I was making the deposit to cover a XXXX charge of {$1500.00}. I deposited another {$620.00} in my other chase account and electronically transferred it. The problem started when CS made the decision that the money was deposited into the wrong account although there was almost 2 hours between the ATM not recording my deposit and the second deposit to balance my account. I explained this to the young lady in XXXX plus her Supervisor who could not tell me when the machine was calibrated or checked for error. I was told by the Manager at the branch that the Technician had not serviced the machine. The CS person kept asking me why did I make the same deposit on that day. I was covering a XXXX payment. This situation has been going on for 3 months with no third party verification of checking the ATM.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am a XXXX in XXXX who has been banking with Bank of America since 2008 and found out today that they have been applying various 'maintenance ' fees on my account ( I think totalling more than {$200.00} ) that I was not alerted to. I believe they did not meet the minimum disclosure requirements of consumer protection regulation, and the maintenance fees is just another version of the overdraft fees that were clamped down on by the Dodd-Frank Act. They have repeatedly changed their fee structure across the years, and it is hard to keep track of how to avoid paying all these fees, especially if they are not your primary bank. I will be closing my accounts as soon as I can get my dispute with them settled ( I have opened a ticket ). However, I would like to know just how I can alert other consumers as to the unfair practices of Bank of America ( especially college students in small XXXX colleges who sign up for their free checking accounts without knowing of the future fees they will have to navigate ) as well as keeping track of Bank of America 's compliance with consumer protection regulation and other banking regulation such as SEC filings.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I submitted in several times a credit report disputed to Transunion and I do n't received a final answer of each accounts that are incorrect. The students loan were reported twice. 
XXXX XX/XX/XXXX XXXX Missed Payments Closed XXXX XX/XX/XXXX XXXX Missed Payments Closed XXXX XX/XX/XXXX XXXX Missed Payments Closed The other account is from XXXX that appear 5 missed payments. This account was pay in full and in the credit information is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am a XXXX that has been XXXX in XXXX, Ohio. As an XXXX at XXXX XXXX University, I was involved in a XXXX and needed money mid-semester to pay for doctor 's appointments, books, parking, and transportation. I could not take a direct loan out mid-semester so I was forced to take a private loan to continue my education. I took out a {$15000.00} loan that is through American Educational Services. I did not know that this loan would not be eligible for the XXXX forgiveness program. 
I graduated XX/XX/XXXX, and took a job XXXX for XXXX XX/XX/XXXX. I have worked there ever since. I recently applied for the {$5000.00} XXXX loan forgiveness and was rejected. I meet every requirement there is : -XXXX for XXXX years full time-Never missed a payment-XXXX that is listed in the XXXX currently have a balance of {$17000.00} on my American Educational Services Loan and do not have any private loans. I am a very successful XXXX, who has earned some of the XXXX in Ohio for the last XXXX years. I was relying on this partial loan forgiveness so I can one day have the American Dream of owning my own house. I not only get payed 75 % of what XXXX earn, but I also will have these student loan payments for the next XXXX years. 
Why ca n't my college loan be eligible? Is n't the point of the XXXX Loan Forgiveness Program to reward and recruit successful XXXX? Should n't prospective XXXX be informed about the differences between private and direct loans? Should n't students be able to take direct loans out mid-semester when life throws them a curve ball? 
I just want the loan forgiveness that the rest of my co-XXXX have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
To Whom it may concern, I have a student loan under Navient, and these last few years, the payments are extremely high, I am not working at the moment and not able to afford the UNPAID interest. I am very concerned with this, because my loan started at XXXX and now is up to XXXX- plus. My loan is in Forbearance, a long time now, and I cant afford to pay this crazy amount. I think its very unfair, please someone look into this matter, before my credit is DESTROYED!!!! I contacted Navient to discuss this matter, and no help was offered, they just want MONEY!!!!! they do n't care about anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Navient Solutions, LLC.
State: TX
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:
Navient harrasses me and my mom everyday with phone calls about late payments. Also, recieve non stop mail about garnishing wages if I do not submit a payment. Thing is, my student loan is through XXXX, not Navient, and when I log in to my federal student loan account ( which I have attached images showing I owe Navient {$0.00} ) and my XXXX repayments have been on hold for quite a while. Repayment doesn't even start back up until XXXX. This company has ruined my credit, so much so that I can't even purchase a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion has recently responded to and deleted XXXX account reported inaccurate on my credit file but there were XXXX files that should had been deleted. XXXX was sent proof that the letter was returned as undeliverable to the company, XXXX, yet they are still reporting that the information was verified. Attached is the letter showing that XXXX amounts in the amount of {$460.00} and {$480.00} were both disputed and the letter was returned as undeliverable so I am not understanding how XXXX account could be verified yet the other could n't yet the company was unreached when I contacted them directly as directed by Transunion.

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