BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-17
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
In the fall of XXXX I borrowed {$86000.00} in PLUS loans to help fund my children 's college education. In XXXX I was laid off and late with payments. A XXXX collector said over the telephone that he would stop collection activities if I requested a forbearance. He mentioned no financial consequences during the conversation and offered no alternative payment solutions. 
Due to the economic recession, I took a job for a few years at half my regular salary. I was completely unaware that full interest deferred during the forbearance would become capitalized. I resumed full payment of the loan every month in the summer of XXXX. This month I examined the history of my loan with Navient and discovered {$16000.00} of capitalized interest had been added to my principal balance. I also discovered that over the 9 year history of this loan of {$86000.00} I have paid Navient {$63000.00} in monthly payments. But my current balance is over {$93000.00}. 
Last month I was laid off again so today I called Navient and asked them about lower payment options. Their call center supervisor offered an " interest-only '' repayment option that reduced my $ 750 monthly payment to {$650.00}. This, of course is just as difficult to pay and does not reduce the {$93000.00} balance. 
This family needs relief from XXXX / Navient. To borrow {$86000.00}, pay back {$63000.00} over 9 years, and end up with a {$93000.00} balance should be criminal. To get laid off, and offered an " interest-only '' payment option is making this situation incredibly difficult. 
Thanks for any help you can influence against these lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed two items on my credit report and they pretty much told me that the two items I disputed about was mine. I have a twin her name is XXXX XXXX and mine is XXXX XXXX. Our SS # 's are two numbers off, we live at the same house and work for the same company. I am at my wits end with this. We are two different people and they keep saying her XXXX is mine on my credit report. I want it fixed, and at this point I don't know which way to go other than investing money I don't have for an attorney to get this rectified. Please give some incite as to what can be done.

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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
When checking my report I noticed fraudulent and unauthorized inquiries on my report, I did not give any of the credit bureau 's permission to furnish this information on my consumer report this is a violation of the credit reporting act section of 1681b ( c ) which constitutes as fraudulent activity and violation of my privacy rights. 
Below are the inquiries : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
id thief using my credit history to take over my good credit repot and score cant get to dispute centers on because thief has locked me out of them shows only 5 same accounts on all 3 credit reports is taking names off transunion report to just one name when i do business with 2 other legal variations of my name that i use for applying for credit has changed passwords numerous times which locks me out completely then i have take more time to mail information to credit bureaus while the id thief can quickly do them online i dont get any satisfaction to my complaints only more whittled down credit reports

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 2020-03-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
There was a large ACH debit hitting my Chase checking account that was going to put my account into a negative balance. So that day I called Chase. The representative said that he could Stop Pay it for a {$30.00} fee. I told him to go ahead. 

The next day I saw that Chase had paid it anyway despite the Stop Pay and I had a negative balance, along with multiple fees for Insufficient Funds. The Chase employee had obviously bungled the Stop Pay. 

Now today I have to cancel my plans because I have no money to spend. Thanks Chase, bunch of XXXX  from XXXX XXXX on down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I cancel service with XXXX XXXX in XX/XX/XXXX. 
I should have received a refund for XX/XX/XXXX Service - Since monthly bills are paid one month in advance, and i paid my XX/XX/XXXX bill. 
Instead, they re-billed me for XXXX, and said i have a balance due of {$120.00}. 

They reported to the credit companies, and have damaged my credit. 
They re-reported it in 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 2022-03-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2016-11-26
Company: Navient Solutions, LLC.
State: HI
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:
After repeated attempts in XXXX and XXXX of 2016 to make an extra monthly payment of {$350.00} on my student loan online I called Navient to attempt to make a payment over the phone. The Customer Service Representative I spoke with in XXXX told me I was unable to do that because of " company policy ''. Then I called again in XXXX to try to make another payment over the phone and after haggling with rude CSRs again they told me my payment of {$350.00} would go through. After checking my account balance on XXXX I found that, though they did process my payment of {$350.00}, they made an unauthorized additional payment of {$350.00} without my permission. 

When I want to make extra payments they tell me I ca n't make one. When I do n't want to make extra payments they take my money without my permission. Their customer service staff is rude, dismissive and unprofessional. Their payment staff is ignorant and completely incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have attempted for almost a year to contact XXXX  with no success. The one time I did get in contact with a live representative they lied and said that I didnt submit a police report. I did multiple times. My identity was stolen and now irreparable injury has occurred due to the neglect by XXXX  to remove the fraudulent accounts from my credit profile. This is my final attempt and notice that I will file a federal lawsuit against them if they will not comply with the laws that govern 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 2022-07-13
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX Account number XXXX ( XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company Name : XXXX A few days ago, I purchased a new line for my business, for the phone number listed. Almost immediately, I received a call. When I answered, it remained connected for about 6 seconds, then hung up.

Since then, I've received multiple phone calls each day. I finally connected with the company and they said they were trying to connect with another person.

My concern is that if they're doing this to my number, they're clearly violating consumer rights due to " Repeated or Continuous Calls ''.

They're using repeated calls in hopes that the person being harassed will call their number to provide info for a lead on collections. I'll post the call transcripts below. I can also provide screenshots or call my mobile company to collect records.

XX/XX/XXXX - XXXX - Incoming call from XXXX  ( Duration : 7 seconds ) XX/XX/XXXX - XXXX - Incoming call from XXXX ( Duration : 5 seconds )XX/XX/XXXX- XXXX  - Incoming call from XXXX ( Duration : 7 seconds ) XX/XX/XXXX - XXXX  - Incoming call from XXXX ( Duration : 6 seconds )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Good evening, I currently have several private loans with navient bank at which my offical payment is due. I have been paying interest only for the last few years and my options have expired. I spoke with navient and pleaded with them to help me reduce my XXXX dollar plus payment at which they advised i could extend my payments to 300 months. After trying they still wouldnt hear my pleadings for a lower payment at which they took my financial statement and my step fathers financials ( co signer ) i advised them i could only afford an XXXX dollar payment and that my bills exceeded my income with the larger payment and denied me a reduced payment due to my step fathers ability to pay ( he is on a fixed income of social security and pension ). Navient said based on his credit he was able to pay what i coulndt. I called many times advising i couldnt afford this payment and was advised that all of my options have been exausted and would have to pay fully every month. I dont know what else i can do. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband works for XXXX XXXX. He will find out today if he is temporarily out of a job. Trying to be proactive, like everyone tells us to do during this time, we contacted our mortgage company, Mr. Cooper. I was directed to the Forbearance Department and spoke with a woman named XXXX. When I explained to XXXX what our issue may be and what our options would be during this Covid-19 time she told me I had 3 options. The first option was to refinance our loan but that it wouldn't be approved since we don't have any income, the second would be a forbearance option but that would only be postponed for 1 month and after that it would have to be paid in full. The 3rd option was basically losing our home. I've always been very happy with Mr. Cooper but am very disheartened that during this time those are the only options. Basically Mr. Cooper isn't willing to help anyone during this time. This has made our stress level even worse .possible no income and no support from our mortgage lender. If we get through this and still have our home we will be leaving MR. Cooper real quick. I will be reporting them to every agency that I can ... ..would n't the governors and political figures love to hear this during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Approximately XXXX on XXXX, I called ( XXXX ) TransUnion and spoke with a XXXX XXXX regarding a dispute I submitted regarding a Bankruptcy that theyre reporting. XXXX advised that we verified it with the court so it remains as accurate. When I asked for specific information ( method, party whom they communicated with etc ; ) on the verification method they used for this, she told me she could not give me that info because it was internal. When I asked their escalation process, she advised me that the only thing that I could do is file a complaint with the FCC.

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 2016-01-27
Company: Green Square Company LLC.
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:
Premier Recovery Group ( also call themselves PRG ) call me at least once a day telling me I owe them money for a payday loan I supposedly took out. They continue to call me from several different numbers and say they will mail me validation of debt which never comes. This has been going on for at least 90 days now/

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I MADE MY WIFE AN AUTHORIZED USER ON MY AMEX ( ACCOUNT OPENED XX/XX/XXXX ) BELIEVING THAT IT WOULD HELP HER CREDIT AND THAT AMEX WOULD DO AS OTHER BANKS. IT ENDED UP DAMAGING HER CREDIT SCORE BECAUSE IT APPEARED AS OPENED IN XX/XX/XXXX. WHEN I CALLED AMEX THEY ADVISED THAT THIS WAS THEIR PROCEDURE AND I COMPLAINED BECAUSE THEY HAD NOT DISCLOSED THIS TO ME OR MY WIFE. WHEN I ASKED THEY REVERSE THIS THEY ADVISED THIS WOULD THEN APPEAR AS A CLOSED ACCOUNT ON MY WIFE 'S REPORT EVEN THOUGH NEVER DISCLOSED ANY OF THIS TO HER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have contacted Portfolio Recovery several times by certified mail ( with receipts ). This company continues to report negative collections to my credit report which is damaging my credit continuously. Portfolio Recovery tried to sue me in court for the collection of {$2800.00} / {$2800.00}, and failed to show up in court and the case was dismissed by the judge. Also, Portfolio Recovery has since then started reporting the false collection as 1 % paid on my credit report and updating this monthly. I HAVE NEVER PAID THIS COMPANY ANYTHING! This is causing a havoc to my lively hood and I would like this collection to be removed asap. Shame on this company for false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: BSI Financial Holdings, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
RE : INCORRECT Escrow Surplus Check ( acct XXXX ) To BSI, I hereby am requesting a clear explanation as to why the Escrow Surplus Check was only {$240.00}. I am requesting this Under the Real Estate Settlement Procedures Act by way of a written request regarding the servicing of my loan. 
Name : XXXX XXXX Account # XXXX In addition, to date that is the only refund I have received. I am still waiting for the refund check for XX/XX/2022. 

Here is the math behind my complaint and written request. 

Incorrect amount charged by BSI Financial ERROR Correct amount Surplus Received Deprived of the remaining over payment XX/XX/2022 {$2500.00} {$2200.00} {$380.00} {$240.00} {$140.00} XX/XX/2022 {$2500.00} {$2200.00} {$380.00} {$0.00} {$380.00} Total Due still not refunded {$520.00} *see formal written Acknowledgement from BSI attached I am demanding the total owed to me for Escrow overpayment {$520.00} immediately. I am formally submitting this complaint not only to BSI Financial Witten Requests but also the Consumer protection Financial Bureau.

BSI response to my first complaint has not been fulfilled. Therefore, I will not only ask the Consumer protection Financial Bureau to reopen the first violation and open a new complaint for another non-compliance report another compliance with Mortgage servicer Federal Rules. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Avant Holding Company, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did a Credit Sale with Avant roughly around XXXX, recently I was notified by an unauthorized company that they had been granted a summary judgement. I was not aware that my account had either been sold or assigned unlawful. The original creditor is in violation of the Truth In Lending Act pursuant to 15 USC 1601 and they both are in violation of 18 USC 1028A Aggravated Identity theft. 

I am demanding all parties to Cease and Desist all unlawful activity. In addition, I am requesting pursuant to 12 USC 5561 ( 4 ) Documentary Material of the alleged obligation. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-07-13
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hi there. My name is XXXX XXXX. Email : XXXX. Contacting you regarding my PayPal case ( XXXX ). 
PayPal transaction ID : XXXX Transaction Date : XX/XX/2022 Transaction Amount : {$1000.00} USD Case was closed without refund and I can't work with PayPal or seller. Before i opened case on PayPal, I have opened return request on XXXX and return was delivered successfully back to the seller on XX/XX/XXXX. As return was delivered back to the seller one of XXXX representative told me that refund was issued and case was closed in my favor, but i have not received any refund notification and after this i have opened case on PayPal. Order was returned with XXXX and signature confirmation was included. I've added all documents on case. Surprisingly, On XX/XX/XXXX XXXX representative told me that refund was issued but i have not received any refund notification. After this ive opened case on PayPal. I received defective item from the seller and i let them know regarding this problem and once return was accepted it was shipped and delivered back to the seller successfully more than 19 days ago. Ive uploaded return tracking information and additional proof of delivery from XXXX. Return was completed with XXXX XXXX service where signature confirmation was included. Case was closed and i have not received my refund. I have contacted PayPal about case resolution but I have not received any response. I wasted my money and item as it was returned. Seller not responding me, nor PayPal. Need your help to fix my problem. Thanks

Company response to consumer: Closed with explanation