BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-20
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
On XX/XX/XXXX my vehicle XXXX XXXX XXXX was repossessed, at about XXXX, I immediately called XXXX XXXX to determine what monies I would need to pay to redeem my ve.hicle, the representative advised me to pay XXXX, which I did, the total amount came out to be XXXX including the service charge of the XXXX XXXX company, I was not fully advised of the details of what will happen once I redeemed my vehicle, in which I paid all fees and received my vehicle out of repo in less than 24hrs. I was in constant contact with the lender regarding my financial situation due to covid, my husband and I were unemployed during XXXX, and the business we had open was just getting off the ground as a restaurant caught in the pandemic issues. In XXXX my the vehicle was totaled, this week we were trying to get another vehicle is when I discovered that XXXX XXXX had added to the credit report in a matter of days a repo on my credit report which prevented me from helping my daughter to purchase a vehicle, I called on the same day to speak with a manager in the finance department and was told that's what they do once a vehicle has been repossessed and then redeemed, I advised that this is an unfair practice, this is the first they have added this type of derogatory information to my credit report, and it was nothing they will be doing about removing this from my credit report. 
I do not believe this is fair to add this to my credit report, being that I redeemed my vehicle in less than 24 hours, so from XX/XX/XXXX the date of repo, date redeemed XXXX, repo information added by XX/XX/XXXX, I need help to have this removed, we have as a family dealth with a lot including losing my mother in XX/XX/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 explanation
Consumer complaint received 2021-03-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My University of XXXX XXXX  loan was discharged on XX/XX/XXXX for XXXX XXXX XXXX XXXX. They use XXXX XXXX XXXX  as there servicer. However i was charged for 2 late payments between XXXX and XX/XX/XXXX. This should have never happened because the student loan was discharged on XX/XX/XXXX. See attached documentation and date of discharge.

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 2017-03-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I submitted a Federal Consolidation Application for all of my loans, however, Navient only consolidated some loans making the consolidation ONLY benefit the bank, Navient. 

They consolidated only my oldest loans, from XXXX they only ones I also had payment history on. They did not combine any other loans and so the recent loans with higher rates were not included. 

There was no benefit at all for me the borrower, despite the offer that consolidation would benefit me. Here 's what happened instead, benefitting just Navient, the bank : they capitalized {$22000.00} in interest to the principal of the loan, lowering my credit score instantly, and they changed the loan date from XX/XX/XXXX to XX/XX/XXXX thereby ensuring I will be dead before any loan is paid off. 

US Dept of Education sent me this consolidation under the guise I 'd have lower interest, one payment, more options to pay it off but instead this has benefitted ONLY the bank! Finally, when I 'm on the Federal Student Aid clearinghouse website there is no appication to review and loans from XX/XX/XXXX prior have no MPN. How could the application just dissappear? 

I appreciate your investigation into why borrowers are being scammed by US Dept of Ed and Navient into consolidation that harms the borrower. I 've mostly been unemployed so this truly hurts me multiple ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
i called today to get my XXXX private school loans reduced because the payment went up after XX/XX/XXXX. I make only XXXX month and the payments for XXXX private loans I took out by mistake for XXXX school that I was unable to get into a program in the XXXX area because of the XXXX system. Now I am paying more and more and the rent in my area has skyrocketed. Please help me get them to lower my private school loans at least by XXXX . They did it before they can do it again. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received an email saying XXXX claim went into my favor. But it was received after my account has been closed on the XXXX of XXXX. I emailed numerous times inquiring how Ill be receiving my check and no reply on my inquiry If I dont get my money sent out as in check Ill take it to ny court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: FC HoldCo LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are three hard inquiries I dont recognize on my credit report through XXXX. 
XX/XX/2019 XXXX XXXX XX/XX/2019 Flagship Acce XX/XX/2019 XXXX XXXX XXXX XXXX  has not been helpful and refuse to remove the inquiry even though I reported that it was fraud because it wasnt me. I contacted the creditors and they have given me the runaround and referred me back to XXXX. I just want these fraud inquiries off my 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 explanation
Consumer complaint received 2016-02-18
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I have a private loan through Navient, formerly XXXX XXXX. The original loan amount was less then XXXX in 2005. I enrolled in XXXX XXXX of XXXX but had to switch schools after XXXX semester. The program director left the office early so I was charged for XXXX full terms and the credits did not transfer. I am unable to refinance my loan and by then end of the term will have paid Navient over {$30000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
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:
I had taken a series of loans to help pay for my XXXX from XXXX XXXX University. In XXXX XXXX, my husband and I were going through a very difficult financial period. We were in the process of selling our home ( to avoid the possibility of foreclosure ), as well as dealing with XXXX health issues related to our daughter. I called Navient and explained my situation asking for assistance as my student loan payment were approximately {$450.00} per month. The representative stated that while there were programs available that would reduce my monthly payments, if I could find a way to modify my budget and pay a bit more, I would actually qualify for a Federal Subsidy program. This program would require me to go on a Income Based Repayment plan, payments would have to be made on time every month for three years, I would have to set up auto withdrawal from a bank account, but, in return, I would get all of my interest back each of the three years of the program. Looking at an almost $ 50K loan, the idea of being able to save $ XXXX in three years definitely made it worthwhile. So, I picked up lots of extra work ( XXXX and XXXX - XXXX ) to make up the monthly difference. 
XXXX XXXX, XXXX ( the date I was told I would receive my first reimbursement check ) came and went with no reimbursement of the interest paid. When I called to inquire, I was told that research had to be done to find out why I had n't received the check. A few more months went by and still no response from Navient nor a check. Then another call to Navient, and again, research had t be done to find out why the check was never sent. 
Fast forward to XXXX XXXX. I was told to call back XXXX XXXX and they would have an answer as to why it I have n't received the check. Today is XXXX XXXX. I have been told that I will not be receiving any interest money back because it was part of my monthly payment. So, since I had been paying the interest all along, I am not entitled to receive any back. 
The Navient representative I initially spoke to in XXXX of XXXX point blank lied to me. He told me that by signing up for the higher payment on the IBR plan that I would receive all of the interest back. This is immoral, unethical, and downright fraudulent. I NEVER would have agreed to pay almost {$100.00} more per month were it not for the fact that I would have nearly $ 10K credited back to my loan. 
As Navient has already been cited for practices such as these, I want my experience added to the complaint. I am SO furious, and all the representative would say was, '' I 'm sorry, but there 's nothing I can do. '' Unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with citizens bank and had transferred money to fund the new account ( {$500.00} ). They closed my account the following day saying I didnt qualify etc ; the {$500.00} transactions had posted on my original online bank account statement. I called citizens to see where my money and what they did with it. The following day they told me that had no information on that even after I provided them with transaction IDs and an email stating they accepted the funds ( they had emailed me the day I opened and funded the new account ). They said that it was cancelled but they couldnt see anything else since the account was closed. I notified my bank and they told me to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: DC
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:
To Whom This May Concern, After checking my credit report there are a number of listed inquires that I have not applied for listed on my account. Please assist XXXX XXXX XXXX Credit Bureau XXXX XX/XX/XXXX XXXX XXXX Tenant XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: CORELOGIC 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:
I filled out an online survey for XXXX XXXX to learn about different mortgages. I at no point said I was inquiring and never entered my social security number. They put a hard inquiry on my credit report. I complained and they refused to remove.

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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Fraud Identity Theft, block and remove hard inquiry, inquiry did not come from me FTC report 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 non-monetary relief
Consumer complaint received 2021-04-20
Company: Navient Solutions, LLC.
State: NV
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Navient keeps repeatedly calling me regarding a late payment. They are calling over 5 times per day & they don't leave a message so that way there is no trail of their calls, but my phone documents all their calls. I have a futurecpayment all ready scheduled to come out of my account & I can see the pending payment in they're system, so why can't they? Everytime I tell them they are harassing my, they say there is no limit on the amount of times they can call me, so they're calling me all day & not leaving messages. To me this is unacceptable & I form of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Today, XX/XX/2020 at approximately XXXX I received a notification from Chase Bank of a XXXX transaction to the XXXX for membership. I realized that I selected the wrong tab and immediately called Chase Bank ( XXXX & XXXX ) to cancel the transaction so that I can pay the intended amount of XXXX. I called and bank multiple times ( XXXX & XXXX ) and spoke to different representations plus a supervisor after my original conversation to try and stop this transaction but each time the bank refused to stop the transaction and informed me that this matter needs to be resolved with the merchant. I have called the merchant multiple times but no one answered the phone and it was communicated to each representative that I spoke with. The only resolution that was communicated with me is that this is a matter for you and the merchant to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: MA
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX To whom it XXXX concern, I am writing to update my personal information. There are some mispelled incorrect names and numbers that are on my credit report and there are some fraudelant addresses that I've never lived. Please remove all fraudelant addresses and all incorrect mispelled names and numbers. The incorrect information is as followed. 



Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX Correct Address : XXXX XXXX XXXX # XXXX XXXX MA, XXXX ) Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Name :. XXXX XXXX XXXX XXXX XXXX XXXX Numbers : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Numbers : ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX, This is a follow up of complaint made yesterday. Complaint Number XXXX XXXX has again charged fees for overdraft without providing credit for returned payment. 

They again charged overdraft fee for another transaction This is the third overdraft fee they have charged for the same incident. 

Their first 2 overdraft fees of XXXX $ has caused my bank balance to go into negative. Again they conveniently charged fees by exploitating my situation. 

So they have charged a total of {$100.00} for the same incident. 

Following is email received at XXXX XXXX  I.S.T On XX/XX/2021 your available balance for your Wells Fargo account XXXX was insufficient to cover the following transactions. 
Transaction Description Amount Action Fee BILL PAY XXXX XXXX XXXX, XXXX ON-LINE No Account Number ON XXXX {$80.00} PAID {$35.00} Total Fee ( s ) : {$35.00}

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 2022-10-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Well Fargo Active Cash credit card, the way it calculate and charges interest, is that if you don't pay the last statement balance in full, you will be charged interest on the whole balance not on the unpaid balance. So for example, if my statement balance is XXXX $ and I make a payment of XXXX $ by my due date, I still will be charged interest on the whole XXXX XXXX not the XXXX $ unpaid balance. This is unfair, and mostly disadvantaging underprivileged customers living paycheck to paycheck. 
More importantly, the way interest is calculated is not described in the terms and conditions agreement provided once signing up for the credit card. Therefore, this is an unfair charge which is also not disclosed properly.

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 2021-07-02
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I told CashNetUSA I needed to adjust automated payment dates due to income date change. I was told the dates couldn't be changed and I'd have to request 2 days before payment to have it moved every 2 weeks. I contact them as instructed and they have ignored the request due to improper response i.e. I didn't respond with I Agree or yes, or they " didn't receive '' request. This has caused my bank account to be overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: CITIBANK, N.A.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX ..started refinance with Citibank, XXXX XXXX XXXXXXXX XXXX  XXXX, MO XXXX Loan amount {$120000.00}, interest rate 3.125 % at present ( almost 7 months later ) {$120000.00} Paid with credit card XX/XX/XXXX {$620.00} for home inspection etc Home Inspection XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Credit Score as of XX/XX/XXXX XXXX All copies requested sent promptly Credit and Income approved XX/XX/XXXX Was advised in XXXX, nothing else was needed at that time, but would promptly let me know, and was in underwriting awaiting closing. Estimation went from XXXX, to XXXX, XXXX XXXX, XXXX, and now the end of XXXX. The delay all being blamed on Covid, and staff working from home I started this process with XXXX XXXX XXXX ( just giving me one excuse after another for the delay XXXX XXXX XXXX ( over XXXX ) XXXX XXXX XXXX ext XXXX The interest rates are slowly going up ( at present my interest rate is 5 % ) and with this delay it is ended up costing me going with another lender. If they are not going to follow through I certainly want my money back and promptly

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 2016-02-17
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I am in the process of purchasing a house for my family, and I see that I have two accounts in collection. They NEVER contacted me BEFORE passing this information on to my credit [ report ] they havent even sent me an account statement. I dont know what I owe this money for. Ive never even received telephone calls from them. 
I havent received any explanation about anything. They didnt give me any opportunity to verify the balances that they want to collect from 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 2015-12-22
Company: WESTSTAR MORTGAGE CORPORATION
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I closed on a home in XXXX of 2015 with a XXXX loan. The contractor was negligent and the original lender WesStar Mortgage ; now with XXXX. XXXX is refusing to honor the original bid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation