BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-19
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On  XXXX   XXXX ,   XXXX  , I called Navient 's customer service eline to explain my current financial situation and the ending of my  Rate Reduction Plan, which lowered my interests for my private loans. Since my plan is coming to an end, I called to re-apply, but the representative told me I do n't qualify anymore even though in the beginning a different representative told me I can reapply with a form. Navient did n't want to give me the form to re-apply because according to them I do n't qualify anymore even though they do n't know my current financial situation or what I am going to put in the form. They just assumed because of my credit score ... They did n't care if I have  no income coming in ... I am going to be unemployed in a few weeks and ca n't afford my payment plan outside of the rate reduction program. The representative did n't provide me with any more help. I had to keep asking her questions like what can I do now? And she told me absolutely nothing. I then told her " is n't there a deferment? '' and then she told me there is. So I 'm like why did n't you tell me that in the first place, do i have to keep bringing things up that you should have brought up to me in the first place? The representative did n't bother to give me any options. She did n't help in getting me any other assistance until I brought it up to her. This has happened to me for the past 4 years dealing with Navient. I have to research on my own for help myself instead of turning to them. I am now facing unemployment with no ability to pay my {$480.00} dollar loan because there is no other option for me to pay it beside s DYING, which is absurd. I I want to pay my loan, but I ca n't afford to do the full payment. Navient offered me no  other assistance or help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I'm XXXX XXXX the consumer recognized in the FDCPA, Im looking at my consumer report and Ive noticed unauthorized inquires on file, dating XX/XX/XXXX, pursuant to title 15 U.S.C 1681 B ( 2 ) I never gave written permission for these to be posted. According to the FCRA these need to be deleted from my credit file. It is your duty to make sure accurate information is posted to my consumer report pursuant to Title 15 U.S.C 1681 2 ( b ) and Title 15 U.S.C 1681 e. If you feel as if the information I provide is inaccurate, presentment is in a form of Affidavit of Fact, so no material or misrepresentation has been completed .If you believe I obtained services I need a senior executive member of this company put on a affidavit, signed under penalty of perjury, signed and notarized. These inquires need removal from my consumer report because they never had written permission to pull my personal information. Only my current open credit cards should have permission to post.

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 2016-11-20
Company: RoundPoint Mortgage Servicing LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Roundpoint mortgage have taken over embrace home loans now they both have been reporting to all three credit bureau, like i have XXXX different mortgages and they both have me late 3 times witch that is not correct reporting. I have try to fix this with all three of the credit bureau and both mortgage company, but they both is not trying to fix this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Prosper Marketplace, Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I 'm returning under OMB #  XXXX . The interest rate charges were not explained properly and do n't give the consumer the right information to make a true informed decision to go ahead with accepting an approval from   Prosper. Had I known that the interest rates would be 60 % of the monthly installment, I would have never enter into this contract.
See the attach for payment history and interest rates. This is unethical for an American, unless it is a mortgage payment. I cant for the life of me, believe that our federal system would allow a company in America t  o  XXXX  Americans financially as  Prosper is  doing. Granted, people need help at certain times, but that help should n't come back and sting us to death. The reason for loans is to help revive us, not kill us.  Prosper  is trying to kill us financially. The 25 % interest rate is not the problem, the problem stems from how it is applied.     From the inception on  XXXX / XXXX / XXXX  of this {$10000.00} loan until  XXXX / XXXX / XXXX , I have paid {$13000.00}. This would be {$3700.00} in interest within such a short period of time. This should not be allowed by our country. I 'm asking that you stop this practice. It is fortunate that I am able to pay this off before the full term of the loan. If Proper 's practice is not corrected, I will mention my loan experiences that include s Prosper  on social media and the newspapers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Exeter Finance Corp.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report.It has been well over 30 days and i have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
we received in the mail ; Make home affordable which they stated would take almost XXXX what we owed lower house payment to XXXX a month just follow rules on card. You had to be late on home, payment wise it seems this was a scam. So I went to NFCU to try to get home loan caught up. The girl at the bank sat there as we were waiting for a answer, I was also willing to use my paid off XXXX Toyota as collator. As the girl in bank was laughing at what was suppose to be a loan, I was denied. I hope people like her, one day happens to her .It was bad enough to get scammed let alone where you do your banking was just as bad.Dont assume your bank is there to help you. Infact it all started with a complaint against the bank. Someone was trying to use my DEBIT card all over the world, I asked for paperwork on where exactly this happened I was denied.This all started over the theft of Tmobile phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ally fraudulently claims that I missed a payment on my account when I did not. They reported to the credit bureau   XXXX   that I missed a payment and that my account was a charge-off. I have the letter written by  Ally stating that they were waiving the bogus {$820.00} in excess wear charge. I did not miss a payment nor is this a charge-off. They also stated in the remarks " Consumer disputes afte r resolution ''. List payment status as a collection/charge-off. Ally waived the fee and I did not contact them afterwards. On my   XXXX   report, they reported that my account was closed with NO missed payments. Payment status is listed as current. Stated in the remarks " Dispute resolved, customer disagrees ''. Ally continues to illegally damage my  credit score and may pot entially damage my ability to apply for a mortgage. What confuses me is that I check my credit report weekly and both  XXXX  and   XXXX   both had shown that they were closed with   XXXX   payments missed. Ally needs to investigated by the federal government. They will correct my credit report immediately, otherwise I will sue them.

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 2017-05-19
Company: Credit Protection Association, L.P.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was subjected to unauthorized charges  (  cramming ), and breach of agreement within a contract.  XXXX    XXXX    (  XXXX  ) (  1  ) Did not provide a brief, clear, non-misleading, plain language notification of the chang  e ( s ) in service cost ; ( 2 ) Deadlocked me in a contract in an attempt to make me pay for unauthorized and unagreed upon service charges, subject to early termination fees and/or other fee ( s ). ( 3 ) provided me with documentation of having a {$0.00} balance then sending the unauthorized charges to a debt collector for {$620.00}. ( 4 ) placing the alleged debt on my credit report.
The debt collector ( Credit Protector Association )   did not provide a non obstructable means to follow through in order to lodge a complaint on the account in question. I filed a bbb complaint in which  XXXX  admitted to not notifying me of charges.    XXXX  without my consent and agreement increased charges for services. It continued the contract to make it appear to be the same charge as before. After which increased charges, breaching it 's contract by breaking the agreement in service charge.

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 2016-09-13
Company: GLA Collection Company, Inc.
State: KY
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:
XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX, KY has billed me just over XXXX dollars ( the amount changes based on whom you speak to ) for an ultra sound they conducted on me at my Doctors request on XXXX XXXX, 2015. At the time of service I paid my required co-pay. The Insurance company paid them approx. XXXX dollars less than the hospital wanted. It seems the hospital is trying to bill me the difference and has sent it to a collection agency called GLA collection ( XXXX XXXX XXXX XXXX, KY XXXX ). I have made payment arrangements with the collection company, but after investigating this I have learned that they are billing me for the difference. No one at the hospital told me that my insurance would not cover all the procedure. They took my copay and they took the insurance companies money for payment. Payment was given to them, and they do not have the right to collect more money, after agreeing to take the money given by insurance and me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have been fighting with the bureaus for a year in regards to XXXX charge off account I got tired and obtained XXXX whom contacted all the bureaus and got XXXX XXXX XXXX deleted from my credit but as of XX/XX/XXXX Transunion has reinserted the account and have allowed the Bank to use a fradulant new card # and frdalunt updated activity on the account which has been charged off in XX/XX/XXXX I opened it in XX/XX/XXXX.I filed a police report for the fraud because the new account number is not mine.I still hace the old credit card with the # on it.I sent the bureaus a letter from the Bank stating the year and month in which the account charged off and the police report and a copy of the old credit card i had. ( XXXX and XXXX have deleted the account once contacted by XXXX and have not reinserted it ... Transunion is the problem they deleted it XXXX and rein serted it XXXX as of XXXX paid XXXX and they did their job.My Fair Debt Credit and Collection Act has been violated and it is against the law for this typeof action..I have been humiliated caused stress and mental anguish.I will not be submitting anymore documents to Transunion they alreay have all documents I mention in this letter

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Arbor Residential Mortgage LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
RE : CFPB # XXXX XXXX XXXX provided verification that they sent the correct tax amounts to Seneca Mortgage Servicing LLC on XXXX XXXX, 2014. 

Faced with this evidence, Seneca is now contradicting the statement they made to the XXXX that the error was caused by the " prior servicer 's tax vendor '' and have now stated to XXXX XXXX that the error was actually caused by Seneca 's own vendor, XXXX. 

I am currently unable to locate and identify XXXX and XXXX is not in the CFPB database.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
YOUR COMPLAINT This complaint concerns  Navients aggre ssive and intrusive debt collection practices. I have regularly made monthly payments on my {$9000.00}  XXXX  loan with 10.5 % interest since graduating from  XXXX  University in  XXXX . I now owe {$4000.00} on that loan. I was laid off in  XXXX  of  XXXX . Since then, I have been unemployed and struggling to find a job. I have inform ed Navient of my financial difficulties for many months. In the las  t two months, Navient h as become highly intrusive and abusive in its phone calls, enough so that I consulted with a legal service s (  free ) attorney.   On  XXXX   XXXX ,  XXXX , I filed a complaint with the CFPB with the help of her legal services lawyer.  Navient has responded that it is not going to respond since the complaint was filed by my attorney, not me. Navient and CFPB have thus closed the c ase.   The calls have gotten worse since  XXXX   XXXX . On  XXXX   XXXX ,  XXXX , I sent an email to my attorney and reported the following : Employee ID  XXXX  calls. He makes me go through all of my financial statements, asks me my minimum payments, how much I spend on food, transportation etc. Then he wants an answer as to why I wo n't move back in with my parents and save rent. ( I am  XXXX   XXXX   XXXX . ) He then stated he pulled up my credit report, told me my story is n't real and that I am not out of work. He stated we are setting up a payment plan and accuses me of lying about facing hardship because my credit report shows I 'm paying all of my other bills ( which is not true ).   Similar calls with intrusive and belligerent questions have continued. On the last call, when I was explaining for the hundredth time that I was still unemployed and could not get the money from other sources, the Navient collector argued that the fact that I had a cell phone meant I was choosing not to pay Navient. When I said I had no money for stuff other than rent, food and basic utilities, the navient collector said you better find it. When I said, Im calling my lawyer, he said, lawyers cost money, insinuating that I am choosing not to pay   Navient.
I have paid this loan for years. I have hit a difficult time employment-wise. Navient has alwa  ys gotten its money from me. It is still earning interest on this debt. Its calls are deeply upsetting and counterproductive. I do not understand why Navient is treating me so harshly when I have a lifetime of earnings ahead of me when I get back on my feet with which to repay it with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: BCG Equities, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ON XXXX BCQ EQUITIES LLC XXXX XXXX XXXX XXXX XXXX WI XXXX Filed a lawsuit in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX Room XXXX Case. XXXX XXXXXXXX against me for a XXXX XXXX XXXX debt allegation of {$17.00}, XXXX. 

I requested a copy of the original contract from them and all statements showing how this debt transpired from the date of origin to now and they have failed to do so and continues to harass me through the mail and various fake telephone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Roundpoint took the XXXX 2016 mortgage payment from my account even though it transferred the loan to another servicer in XXXX. When I realized this had happened, I called to ask. They have been saying for 3 weeks that the payment is on its way to the new servicer, but the new servicer had not received the payment as of XXXX XXXX. I requested some sort of control/wire/transaction number to proof that they had sent out the payment and were not just sitting on it, but they have refused to provide any proof. Their only response is to keep waiting ( even though it 's been 3 weeks and they think it 's believable that mail takes this long within the US ). Given this company 's terrible reputation, I 'm very concerned that I might lose my money or not see it again in months. Please help me.

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 2022-01-02
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I used the Apple Card ( Goldman Sachs ) to set up an installment plan for a new XXXX. Using the Apple Card provided 3 % cash back and no-interest for 2-years. 
I took this deal as an alternative to a similar plan offered by my cell provider. 

I recently learned that the University email address associated with the Apple Card ( and XXXX ID ) will be shut down in XXXX. I was able to update my XXXX ID, but Goldman Sachs will not allow me to update the email address. They won't even remove the email address from my account. 
All Apple Card notifications go to that email address, including payments due, account balance, and details about the installment plan. 
Goldman Sach claims that there are only two remedies. 
The first is to close the account, which will affect my credit score and require that I pay the entire {$1000.00} for the phone installment plan. 
The second is to allow them to send notifications to the closed email account and " hope '' that they figure it out and send a bill to my physical address. This option will open the door to cyber fraud and ID theft since my personal credit information will pile up on an un-monitored email server. 
I can't imagine that I am the only XXXX ID user that needs to change their email address which creates a much larger cyber security threat that just my personal information. 

I spoke with various XXXX and Goldman Sachs representatives for over XXXX on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo bank discriminantly assesses fees and fails to adequately notify consumers of changes in their fee structures. My savings and checking accounts are being charged fees if I do not set up AUTOMATIC transfers, even if I make sufficient deposits to these accounts for the sums allowed for monthly fee protection. Banks should be required to recognize savings deposits whether made automatically or directly during a statement cycle and should provide more notice to consumer of upcoming changes in account terms beyond a checklist always included in monthly statements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an account listed which is unknown, I have disputed and it remains. I have never done business with a company called  XXXX   XXXX   XXXX  this is unknown and does n't belong to me remove this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Jefferson capital systems are trying to garnish my wages. They never contacted me or anything. They send the paperwork to my employer.. I make {$580.00} every two weeks before taxes and I get government benefits.. like year I offered to pay something, they told me it was n't enough. then decided to file bankruptcy which I 'm still in the process of doing so. In the past they have called and horrassed me at one time I was paying on this card $ XXXX month.. then I again lost my job and now that I am barely making it, after taxes bring home pay is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: DISCOVER BANK
State: CO
Product: Credit card
Issue: Other

Complaint:
my daughter viva reieved an application for credit card from DISCOVER XXXX with all kinds of bonus credits free XXXX score Apple payback never responsible for any unauthorized purchaces 2 % cash back cash back for good grades ( most predatory of all ) 0 % APR on purchases for first 6 month 13.24 % -22.24 % interest no annual fee cash back match first year offer ( whatever the heck that is ) call their XXXX number under XXXX can only apply on XXXX to get off list if she does n't give permission

Company response to consumer: Closed with non-monetary relief