BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: FL
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:
Interest that accure and the balloon interest that went on loan in the short period of time since navient taken over the loans, unreasonable customer service providing lack of information. Asked for verification to validate my loans to make certain everything being shown is account. Have n't received any documentation. Attended XXXX University in XXXX which is now closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am XXXX years and I have never had a XXXX Cell Phone. I also have never lived in the address associated ( XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX ). I lived in XXXX XXXX XXXX XXXX XXXX PA XXXX since 1991. I have filed a police report when I learned this was on my credit report. I never received any mail of the delinquency because sprint NEVER had my real address. I have sent the report with letters to all the bureaus but they send me the actual BILL back saying the debt is valid. AND IT 'S NOT! I asked them in several letters to send me the contract to verify my signature and they have NOT done so. If they see my Identification card and my social Security card I 'm 100 % sure the signatures wont match. I should not be liable for this debt Please help me I live on social security and my credit has never had a collection in all life until now. I have always paid all my obligations I never neglected to my priorities but someone has taken advantage of me and stole my personal information to obtain this debt. In my hometown there are people who work in these stores and to obtain a commission they allow people they know to open accounts with someone else info. I was victimized.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Bank of american wo n't submit XXXX corrections for credit inquiries to XXXX credit bureau Inquiry XX/XX/2016 and Inquiry XX/XX/2016. This has been an issue since late XXXX. After the first inquiry. Needs to be submitted to 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 2016-09-26
Company: SUNRISE CREDIT SERVICES, INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We continue to receive collection calls for a XXXX XXXX XXXX at our telephone number. We have had this phone number for 4.5 years. We have informed Sunrise Credit Services XXXX NY that this is not XXXX XXXX 's number. Each representative assures us that we will non longer receive phone calls and that our telephone number will be removed from XXXX XXXX XXXX 's files.

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 2016-10-22
Company: SUNRISE CREDIT SERVICES, INC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I receivied a call from a representative from XXXX aka XXXX department last week stating that I owed them XXXX I responded to them that I had no service at XXXX XXXX XXXX XXXX XXXX NJ XXXX in XXXX 2016. 
The representative told me to pay it then dispute it. I kindly denied his request. 
Yesterday, I received a letter of collection from 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 explanation
Consumer complaint received 2016-03-09
Company: SUNRISE CREDIT SERVICES, INC
State: PA
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:
My student loan, about a year ago, got switched to a new company. Ever since, it has been nothing but stress and problems. I prefer making payments online, a year later and their online payment system still does n't work. Every time I call no one seems to know how to resolve that issue, instead they talk you into auto payments, BUT you can only set that up for 12 months at a time. I asked if they would send a reminder when that auto payments will expire, the associate swore up and down they would notify me via email. Not only did I not receive notification at all, I have not received one email from this company, ever. I have called numerous times requesting confirmation emails for when my payment is made ( because I get them from my other XXXX student loans ), the associate resets my email and verifies it every single time, still no email. Every time I call I have to be transferred numerous times until I get the correct department. There is total lack of communication, problem solving, organization, efficiency, structure, and professionalism etc. My auto payment does not go through the same day every month, which it is supposed to. According to them if the person is n't there to run the payment, it does n't go through. I do n't know how a credit service can run a company like this. I also, did not receive any information from them for filing taxes, as I did from all my other loans. Lastly, to sign into the online payment they ask for a client account number and have a link " how do I find my client account number '' showing where it would be provided, and it is no where to be found. They do not provide you that account number anywhere.

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 2015-10-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
while looking for employment I was approached via email XXXX for a XXXX XXXX Position. HR contacted me and passed this initial interview. I was then passed on to the HR trainer where 4 weeks of training would be conducted on line. XXXX 2 weeks I was learning policies, acronyms, processes, etc. and passing weekly tests. The XXXX week i was asked to purchased some equipment ( valued at {$7400.00} XXXX and send out of country to a new office being opened. Being careful throughout this whole process about identity theft, I provided no personal info, in fact the hiring company said a few times that no personal info was required untill I passed the 4 weeks of training and met the hiring manager for the final interview. So for the XXXX project I was issued XXXX that had an account # and routing # XXXX CHASE BANK XXXX with funds that were put into my name that were to be used to purchase the equipment. I was asked to use my personal CC at this time till I became full time employed. I transfered the funds from the account info provided into my personal CC and waited till the funds posted. Once posted a few days later I proceeded to purchase the requested equipment and ship out of country to the designated address. I was requested to use USPS priority international delivery. I was then asked to perform the exact same task a second time which is when I suspected something was n't right and asked a few more questions. At this time the response from XXXX XXXX was not acceptable and knew at this time something was wrong. I sent a final email declining the XXXX project / /purchase and also declined any employement with the company., I then proceeded to stop the shipment that was done earlier that morning with the USPS and was told that I was not able to stop it being it is an international shipment. I then contacted my credit card company " CHASE '' and explained the situation and was told the funds are OK and no issues. I have been checking my account daily to ensure no issues and on XXXX/XXXX/15, the posted amount of {$8000.00} was reversed from my credit card account. I do not understand how CHASE bank that the funds were transfered from did not know the account I was using to transfer funds does not have a check / balance process in place to review and detect scams like this. A phone call or text or something to the actual owner of the account. Besides the names being different on the accounts. Todays day and age with technology, banks should be able to detect scams like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
In XXXX i lost my job. I continued to pay my chase credit card until XXXX. In XXXX i could no longer pay my card and no longer made payments. In XXXX i recieved a letter from chase saying i was released from my debt. I later recieved a XXXX from chase for XXXX for the debt forgiveness. I paid my taxes on what was now reguarded as income by the IRS. I just recently applied for a home mortgage and my bank application came back with the XXXX debt from chase listed ... .i contacted chase and was told the debt had been cleared and they did n't want any payment but because the debt was not paid in full by me it will remain on my credit report. If the debt was cleared and i recieved a XXXX, effectively changing the debt to income, how can it remain as a debt on my credit report? Chase will not even accept payment and my mortgage application is now in jeapordy..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX Over the past two weeks we have left no less than 5 messages for the negotiator, XXXX, and also a message for the office of the CEO on Monday XX/XX/11. USAA and the negotiator, XXXX had the audacity to claim we are unreachable. ******** WE WORK FROM HOME AND WE HAVE NOT ONCE EVER RECEIVED A RETURN CALL FROM NEITHER THE NEGOTIATOR NOR MANAGEMENT. XXXX **************THIS IS A VIOLATION OF THEIR SERVICING OBLIGATIONS AND IS THE TREND WE ARE SEEING ON ALL OUR FILES WITH USAA XXXX THIS IS NOT ACCEPTABLE. *************** I want a callback in no less than 48 hours from a manager with an update on the short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: Nelnet, Inc.
State: TN
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:
Student loan company is Nelnet. I was placed under forebearance XXXX because I had lost my job and the loan company reported to my credit that I missed XXXX payments and it have severely affected my credit score. I have disputed it several times, but they never respond. My payment history is perfect other than what this loan is saying. I 'm trying to buy a home and they are unlawfully reporting misinformation about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX account was used last in XXXX XXXX. According to FRCA rules and Bankruptcy rules, these XXXX XXXX accounts would be have been deleted XX/XX/XXXX. Yet Experian consistently using this information and deliberately hurting my credit score. 
XXXX XXXX Accounts were not late at all. It was switched from XXXX program to another program. Yet Experian consistently using this information and deliberately hurting my credit score. 
Address is wrong. They can not get the address correct after writing 20 times. The correct address is XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, CA XXXX. 
I no longer have ( XXXX ) phone number. Yet Experian is consistently using this phone number. 
I have mailed many times to Experian to correct these errors. Experian is harassing me and deliberately hurting my credit score without verifying information per FRCA law and putting back deleted information again and again. 
I need corrected credit report.

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 2016-06-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited XXXX or XXXX checks in the total amount of {$41000.00} to my business acccount that I have not used for a long time. At the time of the deposit I was not informed about the fact that this account was " dormant ''. 
On the deposit slip that was filled out by Chase 's teller the date is clearly XXXX/XXXX/2016, yet the online records indicate that the deposit was made on XXXX/XXXX/16. On XXXX/XXXX/16 ( 48 hours after the deposit ) I tried to use the funds on my account to pay my mortgage and other bills, but I was unable to do because " the funds were not available ''. I called Chase and was told that I can not use the funds for another 2-3 days because my account was " dormant '', and it takes them that much time to reverse the domant status. I argued and pleaded, that how can an accout be dormant when I was able to deposit over $ XXXX to it, and now that I want to use the money ( all of it deposited on legitimate paychecks ) my account is all of a suddnet dormant. After spending over an hour on the phone and asking for supervispors and managers, all of a sudden my funds became available. 
I am in the process of refinancing my mortgage and need to show income for the past 60 days. I am trying to use the checks that I deposited on XX/XX/XXXX, but all I can see online is the teller 's deposit slip of $ XXXX and not the individual checks. 
On XX/XX/XXXX I contacted Chase and after an excrusiating houtr I was transferred to XXXX XXXX, who promised to take care of my issue. On XX/XX/XXXX I also got a phone call and an email message from XXXX XXXX. In her email there are supposedly the images of my checks, however the images are not in PDF format, so when I try to open them on my computer the attachments open to an empty page. I have tried to contact both women, XXXX XXXX has not responded to multiple messages, and XXXX XXXX phone is not set up for messages, her extension has a message that she is not available. 
Now I spent almost a full business day on this issue, and there is still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went to the free sight for getting my annual report. After entering all info and gaining access to the page beginning process I checked all XXXX reporting companies. I went to my first company XXXX and was given access to my report. After perusing the different accounts and saving and printing the report, I then clicked " CREDIT SCORE ''. There was nothing on this page. 
My second Company EXPERIAN showed me the following : " WE CAN NOT DISPLAY YOUR REPORT ONLINE ''. o further explanation was given. I was able to purchase the credit score by joining Experien for {$1.00}. I then got the score but had to cancel my membership within 7 days or be charged the full membership which would be automatically renewed every year until i cancelled. I, of course immediately cancelled. The 3rd company, XXXX, was the worse. They simply responded, after my entering pages of questions, that " WE CAN NOT DISPLAY YOUR REPORT ONLINE '' .No other offers or explanations were given.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX bank placed an inquiry on my Experian report, after XXXX sent them over my information which they got in error ; based on misleading information and advertisements practices. However, when I connected XXXX bank questioning the inquiry, they first told me and sent me an email stating they do n't know and do n't see that they ever pulled my credit or who it is from. Even after XXXX advised them of the error that occurred and asked them in writing to get it removed masked and deleted they still kept the inquiry on my report despite several phone calls and emails I myself placed to them which they ignored and disconnected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Hello, My concern is that there XXXX be a legitimate problem that needs to be addressed. Or it XXXX be a convenient way of redirecting customers to the website where products and services can be solicited -- in the name of say higher security? On XX/XX/XXXX about XXXX EST. I went to XXXX as I have always done for years. Choosing only Experian. The portal asked me at least XXXX questions that I knew and have known ; however, this time it indicated " We were unable to honor your request. If you entered your credit card information, we did not charge you. '' It then proceeded to tell me how to get it through mail. It also offered an option to upload the request and any documentation required. I was not interested in that option at this time. After a bit of time, I was able to find a number to call. The representative referred me to www.experian.com/view and the response was the same screen. The representative was professional and took my information and was willing to mail it to me. I accepted. For comparison, I then went to XXXX roughly XXXX minutes later to see if this happened with XXXX. XXXX 's process asked XXXX questions and was able to obtain report. This XXXX just be XXXX incident. I am human and imperfect. I could have made a mistake. This is highly unlikely in this incident given the questions asked. 
I have attached the response minus any sensitive information Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$160.00}, {$160.00}, {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account. 

3. XXXX XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.

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 2021-01-14
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
WITHDRAWALS FROM SAVINGS -- XX/XX/XXXX -- {$7000.00} XXXX -- XX/XX/2014 -- {$10000.00} -- XXXX -- XX/XX/2014 -- {$20000.00} -- ANOTHER {$20000.00} -- - {$35000.00} -- -- ONLY TWO WITHDRAWALS -- XXXX PAID WITH MY PAID FOR XXXX XXXX XXXX I WENT SOME MANY TIMES FOR HELP THEY RUN WHEN THEY SEE MYSELF.. XXXX XXXX SIGNED EVERYONE-NOT SPENT ON MYSELF AS PAYEE REP. IN XXXX I RESPECTFUL ASK A CHARGE FOR EVERY CENT. MANY BLESSINGS.

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 2017-05-02
Company: NCC Business Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection account being reported by  XXXX  on behalf of  XXXX   XXXX  on all three of the major bureaus. This debt is not valid. Please see the attached.

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 2016-11-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Previously disputed bankruptcy being reported on credit bureau. Was advised the information would be deleted and after several months the information remains.

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