BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-20
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:
I am currently enrolled in an IBR plan. Navient has gradually decreased the amount of months from 12 to 9 in my plan. For example, my current payment plan began on XX/XX/XXXX and I needed to reapply for IBR by XX/XX/XXXX. I was recently contacted by Navient telling me that I need to reapply by XX/XX/XXXX and that my current payment plan is being " phased out '' and that it will end XX/XX/XXXX, almost a full three months ahead of schedule, and that if I ca n't complete my taxes in time for the IBR calculation my payment will nearly double, fines will assessed, and interest will be capitalized. I told the representative that I understood while I need to reapply for my IBR plan every year, each yearly calculated payment schedule was for a full 12 months and that Navient has been decreasing the payment window and making me reapply every year sooner and sooner. She told me that Navient is trying to " phase '' out the plans and that there was nothing she could do to restore the payment window or move the date for reapplying. When pressed for what I would be fined for, she told me that it was associated with " the cost of moving you ( me ) to a new repayment plan '' and for failing to properly provide required documentation for my current plan. I have no problem making payments for my student loans, but I 'm getting very frustrated that Navient is trying to both cheat the system and trick me out of IBR and collect higher payments. I am XXXX, and while both my accountant and I have started in XX/XX/XXXX on my taxes, they 're usually completed by the XX/XX/XXXX and they 're far from simple. The representative said that my income information must be verifiable, e.g. the IRS needs to have my tax information in their system by XX/XX/XXXX, otherwise I will be " kicked '' out of my IBR plan. It should n't be this hard for a borrower to follow the rules and be told incorrect information. If necessary, I would be very happy to forward to you the emails from Navient detailing the change in dates and payment schedules or to discuss my case with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: Select Management Resources, LLC
State: OH
Product: Consumer Loan
Sub-product: Title loan
Issue: Payment to acct not credited

Complaint:
On XXXX/XXXX/2013 I took out a {$3000.00} Title Loan from Drummond Financial Services, LLC dba Loanmax located at XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX. My first payment was due on XXXX/XXXX/2013 in the amount of {$1000.00}, due to payment being late 11 days LoanMax took my cash payment of {$1100.00} then advised me that due to the late payment my loan had to be refinanced. My payment that was made on XXXX/XXXX/2013 of {$1100.00} did not apply to either loan. At this time LoanMax still has a lean on my vehicle and due to the fact that this company refuses to work with me I have not made another payment since XXXX/XXXX/2013. Supporting documentation can be supplied when needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I Want to Report some fraudulent inquiries that was Authorize on my Consumer report without my permission someone has stolen my identity information heres a list of inquiries that was not authorized by me Experian- 1.Experian XXXX XXXX- Date-XX/XX/2022 2XXXX  XXXX XXXX -Date XX/XX/2022 3.Experian XXXX XXXX-Date- XX/XX/2022 4.XXXX  XXXX -Date- XX/XX/2022 5. XXXX XXXX XXXX - Date - XX/XX/2022 6XXXX XXXX XXXX XXXX  7.XXXX XXXX Date- XX/XX/2022 XXXX  - Date-XX/XX/2022

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 2021-11-25
Company: Experian Information Solutions Inc.
State: OH
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:
Disputed a XXXX  with Experian in XX/XX/2021. Experian states remains and the furnisher of information is XXXX XXXX. I have my consumer report that shows XXXX  were removed in XX/XX/2021 and XX/XX/2021. I disputed again with Experian in XX/XX/2021 and uploaded all paperwork from XXXX XXXX showing removals of XXXX XXXX  and copies of my consumer report from XXXX XXXX showing no Bankruptcy 's. Experian again states XXXX XXXX remains and the furnisher of information was 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 non-monetary relief
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hey Ive been trying for the past month to have the Credit bureaus and creditors update my personal info on all three bureaus. They still havent made the desired changes. My personal info should be : XXXX XXXX XX/XX/1994 XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Theyre still reporting wrong addresses on my credit report. I need the address of XXXX XXXX XXXX XXXX removed immediately, that was never my address. I also need the address of XXXX XXXX XXXX removed immediately, that was never my address. I need all of these erroneous addresses removed from my credit report immediately. Ive been trying for a while now and nothing has changed.

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 2021-03-12
Company: Paypal Holdings, Inc
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX with PayPal registered email address XXXX My account was limited but the limitation was over and I got email from PayPal to withdraw my funds on XX/XX/2021, but when I want to withdraw my funds, it doesn't allow me, it says there is an issue with my account. 

But PayPal said I could withdraw my funds after the 180 days, but the 180 days is over and I can not withdraw my funds.

I have funds {$4500.00} in my PayPal.

I am very sad about this I have bills to pay.

I need PayPal to resolve every issue with my account so I can withdraw my funds as the 180 days is over. 

Again my email address associated with my account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Albert Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX sent XXXX to my XXXX account on XX/XX/XXXX. Funds cleared on XX/XX/XXXX. Funds never posted to my account. XXXX was created and sent back to my original institution XXXX on XX/XX/XXXX at XXXX. 

Issues XXXX. XXXX funds were held without notification from XX/XX/XXXX - XX/XX/XXXX XXXX. No notification was provided to me for funds being held XXXX no notification that funds were being withdrawn or refused XXXX no reason for the return or withdraw of my cleared deposited funds. 

When I contacted the XXXX bank XXXX Bank, asking about the XXXX  transition. They told me that there was a XXXX returned for " Wrong Amount '' which is impossible on a deposit. 
Because the bank returned my XXXX  without cause or notification, it will likley take months for me to receive funds. As the originating account was a XXXX account that does not accept deposits.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: CITIBANK, N.A.
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my home loan and CitiMortgage delayedapplying my payment from the date of the transfer on XXXX, 2015 to XXXX XXXX, 2015 on the XXXX mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15
Company: Goal Structured Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Over the past several years I have received phone calls about owing on a debt. In XXXX I received multiple phone calls from XXXX stating they were " XXXX XXXX XXXX XXXX '' and that I owed a debt to XXXX XXXX XXXX XXXX, MD XXXX. I was told that I owed over {$1000.00}, and that I needed to pay or I would be taken to court. This debt is from when I attended school in XXXX. The amount actually owed was {$590.00}, and the creditor was through Turnstile Capital Management , LLC. I made " XXXX XXXX XXXX '' aware that I had received a noticed from XXXX XXXX XXXX whom sent me a letter in XX/XX/XXXX ) and was paying the debt off through them. They told me that " XXXX XXXX XXXX '' owned the account and I was required to pay them off. I told them to stop contacting me. Now XXXX, I have been received phone calls from an unknown number and a voicemail stating the same thing as previous years. It is a recording stating " I received an order in my office today to complete an order of process for several pending maters you're currently being investigated for. I will be verifying you current address and place of employment today. In the meantime it is your responsibility and legal right to contact your plaintiff prior to being served. Their number is XXXX, make reference to case number ******. Failure to comply will result in forfeiture of your right to dispute this matter and the civil complaint will be filled against your in your local county. Consider this your official notification. I have received this voicemail everyday since the start of XXXX. They are also contacting my sister and leaving her the same voicemail. I have not made any contact with this company in XXXX. This debt was paid off to XXXX XXXX  on XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Bonneville Billing and Collections
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a letter to Bonneville Collection to help me understand what this account is and get them to verify the account. There has been no response from this company and have sent a letter on XX/XX/XXXX, XX/XX/XXXX. The balance has changed every month since I started checking my credit report on XX/XX/XXXX the balance was {$180.00}, XX/XX/XXXX {$190.00}, XX/XX/XXXX it was {$190.00} and my last report was XX/XX/XXXX of {$190.00} 1. This account shows collection show how is the balance increasing every month 2. Although it shows on my report that it was disputed there has been no reply from this company to any of my letters. How can this be

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
hello I am writing prayin that you can do something about the ill manor in wich XXXX and experian are handeling an identity theft/fraud submission to them.The very same files that they are sayin were returned as accurate were deleted off of XXXX.What good does it do to file a police report and follow the outlined procedure where what is happening here was happening with the online disputes.I asked both bureaus to block the files while the investigation was on going as it wojuld not stay killing my score advising them of section 605b of the fcra and that is was my right instead of being helped i was greeted with attitude and no action.I haved tried to explain to them both that included in the police report were the names of gthe 2 perpertrators or at least thats who im sure of, and it is my mother and sister, and that of course if you ask these companies if the account is accurate they are going to say yes 1.they want to be paid 2.they do have XXXX XXXX information but the entire reason for the police report was a sworn statement punishable by jail where i stated it was not me they got the information from .They recieved it from people living in my house and its rather embarracing to have to keep going over the fact that my mother and sister have stolen from me like this i feel i am being made a joke all the while doing absoluly nothing i am including the accounts in question in pictures so that you may see the damage they are idley letting happen to my credit score daily I HAVE BEEN GOING ROUND AND ROUND FOR MONTHS I DID WHAT WAS ASKED OF ME SWORE A STATEMENT SAID I WOULD AIDE IN THE PROSECUTION OF THE PERPETRATORS, THEY TREAT ME TERRIBLE AND I FEEL LIKE IM BEING LAUGHED AT BY THEM FOR WHATS IS HAPPENED WHAT MORE DO THESE PEOPLE WANT FROM ME IF IT WAS THEM IN MY SHOES THEY WOULD UNDERSTAND THAT BEING WHO IT WAS WHO DID IT AND WHERE THERE WERE LIVING THE COMPANY JUST SAYING YES THE ACCOUNT IS GOOD DOES NOT HOLD WATER BECAUSE IM SURE THEY HAVE MY INFO THEY THOUGHT THERE WERE ISSUING CREDIT TO ME BUT KINDLY THEY WERE NOT I AM NOT THE FRAUDSTER PLEASE ENFORCE THIS AND HAVE THESE FILE DELETED PLEASE **********PLEASE LOOK AT THE PICTURES AND LOOK AT THE THAT IS BEING DONE THEY SHOULD HAVE TO CORRECT MY SCORE THIS HAS GONE ON 2 LONG WITH ME EXCLAIMING THAT I AM NOT THE FRAUDSTER, MY NEXT RECOUSE WOULD BE THAT I WILL HAVE TO SUE THEM FOR THE DAMAGE THEY HAVE AND ARE CURRENTLY DOINGITS MALICIOUS AT BEST AND BORDERLINE CRIMINAL

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 2016-04-22
Company: HUNTINGTON NATIONAL BANK, THE
State: WV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I wen to the Huntington Bank to open my first checking account as an adult and for reasons unknown I was denied for whatever reason, I did have one when I was XXXX but that was left in good standing, So I submitted a request to check systems and they had absolutely nothing on me. I have not had an account in at least XXXX years, I am a young women who has a very hard time and now am trying to get my life in order. IM engaged to the man I love and we want to become first time home buyers. However this is hard to do when I seem to have thing holding me back from opening a simple checking account. I honestly feel that I have been discriminated against and I feel that I should be given just a little credit as I really am trying to better not just my own life but my children 's as well.. 
I would be very grateful to any on that can help me with a little help. 
Thank You Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
One XX/XX/XXXX I did a consumer credit transaction with American Express. In XX/XX/XXXX I received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. After receiving a significant amount of bills from American Express, I sent them two documents. The first being a debt validation letter and a cease and desist. Even after American Express receiving these documents, I still received several emails in regards to this so called delinquent debt. These documents were sent via the USPS on XXXX and was picked up by someone from the company on XXXX XXXX at XXXX from the post office. These documents requested that American Express respond back and as of today they failed to do so, but have instead contacted me in regards to making a payment. Today I am contacting the CFPB to get this matter resolved as quickly as possible, as the information on my credit report is illegal and is damaging my reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-15
Company: Receivable Solutions Specialist, Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I called several times to pay my debt. I emailed as well. No one ever answered the phone or returned calls when messages were left. Thankfully I was able to pay thru the original creditor. I was trying to verify that the company was in fact real, and not a scan before I just mailed a check.

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
Consumer complaint received 2015-06-17
Company: Sessoms & Rogers, P.A.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
S & R got a judgment against me for XXXX old accounts from XX/XX/XXXX in XX/XX/XXXX for {$7000.00}. I started making payments after they got the judgmet. I lost my job and was in the middle of a divorce but I kept paying. My old lawyer paid the debt off in XX/XX/XXXX from settlemet funds during the divorce but I did not know this until recently. From XX/XX/XXXX until XX/XX/XXXX, I continued to pay {$100.00} every month even if I did n't have it. I was send letters and they called me all the time. I would ask them for the balance and they would not send me any thing. I asked fro receipts and they would not give them to me. They told me they did not know the balances. This year in XX/XX/XXXX I had a friend call with me to ask for a copy of the judgments and account information but they would not talk with me. I called again in XX/XX/XXXX asking for how much I owed because they sent me a letter saying I owed nearly {$5000.00}. I got a letter in XX/XX/XXXX from the court saying I owed more than {$7000.00}. They sent the sherrif to my house. I have paid more {$9000.00} plus my old lawyer paid another {$5000.00} on a {$7000.00} debt and they say I still owe more than {$7000.00}. The court say I owe 8 % interest since XX/XX/XXXX but that does not add up to another {$7000.00} when I have paid {$14000.00} already. The court does not show all the payments I sent the law offices. They wll not tell me why I owe so much and I canot afford amother lawyer to help me because I do not have a job. I went to Legal Services and they will not tell them any thing either. I ca n't sleep and I am stressed out over all of this. No one will help me. Please help me take care of this and make them stop.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-19
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX/DSNB. The Account Opened is XXXX/DSNB Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$410.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2016-10-29
Company: Carter-Young, Inc.
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I sent an email to XXXX for verification of debt. To date I have not received any information from them, only a phone call. I have requested several times that they send me information detailing the debt that I owe, they will only state the information on the telephone and will not provide me with written verification of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: TN
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2020, XX/XX/2020, XX/XX/2020.

Company response to consumer: Closed with explanation