BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient conducted a financial statement to measure whether or not I would be eligible for greater payments at this time. At the end of the statement the woman said, 'it looks as if you have - {$400.00} each month, so how would you like to pay? ', after clearly stating I wo n't even be able to afford groceries this month. The calls from Navient NEVER stop, whether I set up payments for a future date or not. They frequently harass my consigner and I with rude comments, telling my father I said things I have n't and vice versa. One afternoon, they called my father at work ( after I had already set up a future payment ), demanding he pay immediately and he kindly said 'No, I need to talk to my daughter first to see where she stands ' and the woman replied 'so you are refusing to pay? ', he said 'no, never refusing to pay, I just need to see where my daughter stands financially first '. She went back and forth with my dad until the conversation was unbruptly ended by my dad who said she was one of the rudest, most demanding woman he had ever been in contact with. She immediately called me after their call ended stating that my consigner refused to pay and that I must submit a payment immediately to avoid default. I scheduled a second payment because we were threatened with default, which I had to take a cash advance off of my credit card because I did n't have anymore money to give them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: KEYCORP
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a deposit at key Bank ATM funds are supposed to be and advertised of being available immediately however there ATM malfunctionined and after calling the branch when open following day was told yes there ATM balance was over and they did make a mistake however I have to wait 7-10 days for my deposit to be credited, not only did this anger me but the women I spoke with at the branch was highly unprofessional, spoke to me in a way that made me feel undervalued, underappreciated, and told me false info that I need to come into branch and file paper work to get my money back I also asked to speak with branch manager and was told that is not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Bay Area Receivables, Inc
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX XXXX has sold my previous loan to a debt collector illegally but not only did they do that. They also filed a criminal lawsuit against me. I borrowered and paid a balance of XXXX. They sold the false debt and sued me for XXXX. Ive talked to the police about this situation because a warrant was issued for my arrest because they sued me. Please remove there fraudulent claims from my credit profile. I do not owe any one or them anything. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-07
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Found on my credit report an {$850.00} debt for a payday loan that I never took out. It 's listed as Midwest recovery systems. Now my credit score has plunged and I 'm working hard to rebuild my credit and this happens! Never received ANY information that anything was going against my credit. No paperwork.. nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am the victim of a XXXX scam please assist me in any way that you can. 

On XX/XX/XXXX around XXXX PM I received a text message from Wells Fargo asking if I had attempted to send money to A recipient using XXXX. The text message asked me to reply yes or no, so I replied no. Less than XXXX seconds after my reply, I received a phone call from Wells Fargo customer service. I picked up the phone and the XXXX explained to me that somebody named XXXX XXXX was attempting to transfer {$3000.00} out of my bank account using XXXX. The XXXX explained to me that in order to reverse the transaction I needed to transfer the funds back into my account using the XXXX platform. The agent walked me through the steps on how to reverse the transaction. The agent told me to log into my bank account, access XXXX, type in my phone number as the XXXX recipient and transfer {$3000.00} back into my bank account. I completed the request of the XXXX and I was relieved that Wells fargo had protected my account from thieves. I was told that the transaction would take XXXX hours to see any changes in my account. 

Once the transaction was finished, I requested for the XXXX to send me a confirmation email of our interaction which he agreed to do so. XXXX minutes had gone by and I did not receive an email so I decided to call Wells Fargo to figure out why I hadnt received the confirmation email yet. 

Wells Fargo then explained to me that they never called me, and I was not speaking to a Wells Fargo customer service XXXXt. They had just notified me that I had been a victim of a scam. 

During the phone call with Wells Fargo, I filed a claim and waited almost XXXX weeks. On XX/XX/XXXX around XXXX AM I called Wells Fargo to follow up on my claim. At that time, Wells Fargo had notified me that I would not be receiving a refund even though this was a scam. They said they were unable to locate the funds therefore, they were not able to refund my money. They suggested that I file a police report which I did. I called Wells Fargo back after filing a police report. They further explained to me that I would not be receiving any funds back even though I filed a police report as they suggested. 

I would like to file a complaint against Wells Fargo bank. I was scammed and it feels like no one wants to help me recover my funds back. To lose {$3000.00} to a scam is disheartening. I had confidence that my bank would reimburse me the money that I lost, but they treated me as though this situation was all my fault. I have been a customer of Wells Fargo 10 or 15 years so I was expecting for them to handle this situation differently.

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 2016-09-21
Company: RSI Enterprises, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
While attempting to purchase a house this month the mortgage company found an account in collections. The amount was less than {$30.00} and has currently been in collections for 10 months. We have never been contacted. No phone calls or letters. In other words we did not know that we owed money or were in collections. The lender and I contacted the collection agency to try to resolve the issue. They claimed that have sent " numerous '' letters to us and none of them have been returned. 

They are using an address that we have not lived for 7 years. That fact was of no interest to them. They were not willing to help us remove the account even if we paid it off. 

How do we prove whether they had mail returned to them or not? 

How can we possibly prove that they have never called us? They can have no recorded calls with us, as we have never spoken to them. 

All we can prove is that they had an address that was outdated by 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Account Brokers Inc.
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I made an attempt to settle a debt. I was happy to pay, and thought I had even already paid it, but the three women I spoke to were extremely rude to me and were not communicating with me in a manner in which I felt my money would actually settle a debt. To me, their attitude was not worth {$120.00} that I supposedly owe. I was horrified by their lack of professionalism. They had no interest in working with me to settle the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: Midwest Recovery Systems
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Midwest Recovery LLC has repeatedly called me and threatened legal action for an unknown debt that appears to date back 15 yrs ago. They leave multiple voicemails at my home daily, and they tell me that someone is coming to my job to serve me with legal papers. They have also called my job leaving messages for me with our accounting department. I called them back from work and asked for their address to send a cease and desist letter, but they would not give it to me, and the man yelled at me saying that he hopes I 'm embarrassed when I am served with legal papers at my work " tomorrow '' and then hung up on me. This company also keeps reporting this 15 yr old debt on my credit reports causing me to have to dispute and remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
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: Account information incorrect

Complaint:
I have disputed serveral collection accounts on my credit report multiple times. This company continues to " Verify '' the debt, however, provides me with no proof. In addition, I contacted the collection agencies, and either received NO response, OR they are Unable to provide me with Validation or Verification, OR they send me a Completely Different person 's medical information. How are they continuing to report inacurate defamatory information and on top of that, violate someone's HIPAA rights?

I have attached a confirmed deletion letter from XXXX, an example of the UNABLE TO LOCATE responses I have received from the collectors,

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 2016-04-27
Company: ESCALLATE, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dear sir/madam, few months back I submitted a complain concerning a company know as ESCALATE LLC for collecting a false debt from me. 

Until today such false debt continue to appear on my credit report despite my initial complain. ( XXXX and XXXX ) few days back I notice on my credit report that another company known as XXXX XXXX put a note on my credit report stating that I was own them, I called the company to find out what transaction I had with them because I knew I was not owing them. But the company XXXX XXXX told me that they bought some debt from ESCALATE LLC that has my name on it. 

dear sir/madam I am not owing any of these companies or their affiliate and I do n't see the reason why both companies should note on my credit report that I am owning them same debt despite I know I do n't. 

this is I D theft i will be glad if your office look into this matter

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 2021-12-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and 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 non-monetary relief
Consumer complaint received 2022-10-15
Company: Nelnet, Inc.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on Loan accounts under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX XXXX sued me over a disputed debt that they claim I owe to them via Bank of America , NA. They did let me know about the suit. I responded pro se with and answer and counter-claim. XX/XX/XXXX, they won a summary judgment against me based on my not answering their Requests during discovery. I could n't afford an attorney, could keep up, got lost in the legalese. Based on the Judgement for over XXXX, they are trying to garnishee my wages. While preparing to challenge that, I stumbled across your website and the XX/XX/XXXX Court Stipulation directing XXXX XXXX XXXX how to proceed. In my case, they have violated that agreement. In my case, they are still 1/ Intimidating consumers with deceptive court filings 2/ Introducing faulty or unsubstantiated evidence. In my case, they only had to well-worn photocopies of checks that I 'd written to Bank of American ( Not Bank of America , NA ) There was also nothing to show the chain of title from the purported " original '' debt holder to XXXX for Bank of America , NA. 

The statute of limitations on debt accounts is 4 years and 6 years on written contracts. 

This action was filed against me on XX/XX/XXXX and the order rendered XX/XX/XXXX. Both of these were beyond the 4 or six years after I had severed my relationship with Bank of America. 

I also believe that the attorneys have become " judgment collectors '' and as this is a continuation of their ill-advised and illegal practices. 

I have a hearing in the morning about garnishment of my wages based on this bogus judgment awarded based on procedure and not on evidence. 

I 'm now trying to get the summary judgment set aside ( again as pro-se. Still ca n't afford an attorney ), so that they will be forced to " prove their allegations, '' and to conform to the XX/XX/XXXX Consent Decree signed by Federal Judge XXXX XXXX. 

Any help you can give in this matter would be greatly appreciated.

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 2021-12-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
The primary problem is as follows : Today, XXXX XXXX, 2021, I tried to close a Citi Card ( American Airlines Advantage ) card. 
1. I called the phone number on the credit card statement and forced my way through endless menus. When I finally reached the option I wanted - i.e., to cancel the card- the phone system immediately hung up. 

2. I redialed the same phone number and again forced my way through the menu. Once I reached the option to cancel the card, the phone system immediately hung up. 

3. I called the General Support & Servicing phone number in my portal. When I finally ( forcibly ) reached an option to cancel the card, the phone system immediately hung up. 

4. I called the Apply for a Card phone number in my portal in an attempt to reach a person. The phone system asked for my social security number ( SSN ), which I refused to provide. My SSN would link me immediately to my active card. 

I never could reach an actual person. 

The secondary issue, which I did not address right away, is that I never authorized Citi Cards to update my card to Platinum Select. I never activated the card they sent to me in the mail. 

Your help would be most appreciated to cancel this card. I am appalled that a company such as Citi Cards would exercise such practices. 

Thank you, 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 monetary relief
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: MD
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:
I was trying to get a loan forgiveness for my student loan which the school closed and the rep said I couldnt. He did n't even ask what I was talking about he just said he ca n't help. I went to XXXX and I was asking about that loan. And the guy kept saying there 's nothing he can do. This is really hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: PA
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:
I used navient after they bought out my XXXX XXXX loans. 

They pushed me into going into forebearance and did not explain that I would be paying the interest even though I was not making payments. Also they did not explain that I could be on income based repayments and would have had {$0.00} payments while in my first year of internship, since my previous year I was a student with no income. They did not properly explain all of my repayment options and pushed me into forebearance. Now, I have stared with income based repayments and I am on tract with the federal student loan foregiveness program. Because of them, I missed out on being in this program for 4 years ( which would have qualified towards the forgiveness program ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
My name is XXXX XXXX, SSN XXXX. I cosigned for a loan for my daughter XXXX XXXX XXXX. I filed a complaint against Navient a few months ago because Navient reported 90 late payment to the credit bureaus after constant communication with them. In XXXX 2015 I was told to make a payment to stop the reporting and at that same time I was reported as being 90 days late. I have never committed to monthly payments or I would have paid them. XXXX communicated with Navient re : her payments. I have never had a late payment with Navient. Their agreement was with XXXX to pay monthly that I was not a party of. In XX/XX/XXXX, I paid the {$500.00} to clear my name and they will not change the status on my report. I think the late 90 day notice should be reported on XXXX 's report no mine. I have been denied a house loan because of this I did not agree to pay. Also, Navient continues to harass me weekly. XXXX has been in school full time since XXXX 2015, and I get calls every Sat and Sunday although an in-school deferment was submitted. I would like to have someone follow up and assist me with this complaint. To date, I have not outstanding loans with Navient and have never had a late payment. Please help. I would like to purchase my home but need the 90-day late payment deleted from my report. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I 'm XXXX XXXX. I 'm a Rush Card member. My pay day was Friday XXXX. Over {$850.00} was direct deposited to my Rush Card. It has yet to reflect on my account. The XXXX # was of no help. ATM machines w/MoneyPass did n't show my direct deposit. My rent is due on XXXX XXXX. I 've tried calling SEVERAL times and was hung up on. I finally spoke with a Rush Card agent, # XXXX XXXX yesterday, XXXX/XXXX/15 at XXXX. That phone call lasted XXXX minutes and XXXX seconds ... Most of it consisted of wait time. He tried to convince me it was an ERROR at my place of employment. I refused to believe and nor accepted that excuse. I 'm LIVID. He could not find my direct deposit transaction from XXXX/XXXX/15. I need my hard earned money. ThanksXXXXXXXX

Company response to consumer: Closed with non-monetary relief