BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am understanding the Ombudsman 's office to state to me that Navient is protecting me by only adding capitalized interest ( it does not inform me of or provide advance notice on how to pay to where it is not capitalized onto principle ) from forbearance ( a plan I am then placed on without my consent ) rather than standard repayment ( again, without my permission ) because the database needs to change repayment assignment during processing due to there being too many loans for them to process. I have filed a complaint against Navient for placing outstanding capitalized interest on principle, among other behaviors seemingly intent to cause damages to me. I await contact from a worker for the complaint, and am told ( by Ombudsman ) to continue to try to seek answer/resolution from Navient, who has directly said to me " I can not answer your question '', scheduling a return call for answers to be provided and then not actually making the return call as scheduled, seemingly being allowed to lie to ( and cheat ) me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Account # XXXX 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 a account without my written instructions

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 2016-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card
Issue: Rewards

Complaint:
In XX/XX/2016, I made an online request to redeem XXXX reward points for cash. The amount came to {$91.00}. Approximately XXXX months later, I had not received a check. I called customer service to inquire. I was told by them that a check was mailed. I never received it. They then said another check would be issued. As of XX/XX/2016 I still had not received anything. I called customer service again and was told that another check would be issued. As of today, XX/XX/2016, nothing has been sent. I 'm tired of the run around and want the {$91.00} sent to me in the form of a check to my home address.

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 2022-05-31
Company: EQUIFAX, INC.
State: NV
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 Account # XXXX. 
The XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX Account # 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 Account # XXXX. 
The XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX Account # 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 a account without my written instructions.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
A original debt when into collections from XXXX XXXX XXXX, for {$790.00}. The collection agency is known as XXXX. After working with XXXX XXXX XXXX financial aid department the hospital requested that the bill be removed from XXXX because I qualified for financial aid which cleared the debt. I was then sent a letter dated XXXX XXXX, XXXX stating XXXX XXXX XXXX ceased all collection efforts through XXXX. From XXXX XXXX I have contacted XXXX because the debt was still appearing on my credit report. I was informed by XXXX employees that their agency does not have any open account in my name. I then informed XXXX employees that I disputed the debt but Transunion stated that someone at XXXX sent a XXXX word response stating the account is still open for collections. The XXXX employee told me that is impossible for anyone in their agency to send a response for a debt that they do not have in their system. I was then informed that agency sent letters to each credit reporting agency requesting deletion of the debt. XXXX sent multiple letters as well as submitting documents through a program apparently called XXXX to Transunion credit reporting agency. I attempted multiple time to have the debt removed by filing dispute through Transunion, and each dispute was returned stating that the debt was to remain as an open collection. I disputed the debt 5 times before XXXX XXXX reported that they will no longer accept any dispute for that particular debt. 
I contacted XXXX collection agency multiple times to be informed that their agency has sent multiple responses to have the debt deleted. I then contacted XXXX to have a supervisor contact Transunion to see why the credit reporting agency refuses to remove the collection. On XXXX XXXX, XXXX I was informed by XXXX that one of their supervisors had spoken to the marketing department at Transunion and was informed that the debt would be removed in 3 to 5 business days. As of XXXX XXXX, XXXX the debt still remains on my credit report as an open collection causing unnecessary damage. I have contacted Transunion in regards to the deleting the debt and was informed that they refuse to delete the debt and that they will be keeping the debt open until XXXX. I have personally sent a letter to Transunion asking the debt be deleted from credit report as well as a copy of the letter sent to me from XXXX stating the debt of {$790.00} was to be deleted. Transunion denied receiving the letter and still refuses to delete the debt. Can someone please help me, If someone needs to confirm what I am saying they can contact XXXX at XXXX my case reference number is 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 2022-05-31
Company: Experian Information Solutions Inc.
State: IL
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:
Inquires on my report that do not belong to me, and I want them removed immediately.

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 2022-05-31
Company: EQUIFAX, INC.
State: NC
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  Account # XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Big Picture Loans, LLC
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
It took out the money from my account early. And tried to take more money out on the due date. I took out a XXXX dollar loan and they want me to pay over a XXXX dollars. Then they have the nerve to call everyone that have come in contact with saying threatening message. They are scams!! I had to close my account because they kept trying to get money and I owed the back for overdraft fees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Earlier in XX/XX/XXXX I Paid off one loan and 4 credit cards and decresed my balances by {$6100.00} 1 ; XXXX XXXX XXXX originally $ XXXX balance of {$3300.00} in full ( always paid by auto debit never late ) 2 : 4 credit cards total paid : {$2700.00} 3 : XX/XX/XXXX XXXX XXXX XXXX XXXX Paid in Full {$10000.00} COMPLAINT 1 : XXXX : XX/XX/XXXX : XXXX points Pay off XXXX XXXX {$10000.00} XX/XX/XXXX + XXXX points XXXX XXXX XXXX {$470.00} XX/XX/XXXX XXXX POINTS NO EXPLANATION SO I HAVE BEEN PENALIZED XXXX Points for paying off almost {$170000.00} in balances that were never late HOW CAN YOU ALLOW THIS TO HAPPEN? 
COMPLAINT 2 : The XXXX web site will not allow me to file a complaint " AT THIS TIME '' for weeks and the so-called file a dispute over the phone runs an endless loop for 15 minutes instructing me to go online-BECAUSE NO ONE IS AVAILABLE TO ANSWER MY CALL THIS IS A WILLFUL VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPRTING ACT. AS OF THIS JUNCTURE I HAVE NO CHOICE TO ATTEMPT A DISPUTE THROUGH YOUR SITE CAN YOU HELP ME? 


COMPLAINT THREE XXXX I have attempted to dispute on the site THERE IS NO WAY TO STATE WHY I AM DISPUTING : JUST A DROP DOWN WITH THEIR CHOICES OF WHAT I CAN DISPUTE AGAIN : THIS VIOLATES MY RIGHT TO DISPUTE AND I END UP WASTING HOURS FOR NOTHING I WISH TO DISPUTE WITH XXXX THE FOLLOWING XX/XX/XXXX Payoff XXXX XXXX XXXX XXXX {$10000.00} XXXX POINTS XX/XX/XXXX XXXX XXXX XXXX balance {$470.00} XXXX POINTS XXXX DROP MY CREDIT SCORE DUE TO CONSUMER XXXX POINTS LOAN-AND CREDIT CARDS BALANCES ( just after 1 loan is PAID IN FULL for {$6100.00} and cards have just been paid down {$2700.00} ) THIS IS INEXCUSABLE I WISH TO DISPUTE THESE ACTIONS THROUGH YOUR SITE AS I CAN NOT FILE AN ACCURRATE DISPUTE ON XXXX  SITE AND THERE IS NO OTHER WAY TO CONTACT XXXX FILE A NEW DISPUTE TRANSINION PAID OFF XXXX  IN FULL XXXX POINTS the same applies here as all of the above

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 2022-05-31
Company: Professional Placement Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case PROFESSIONAL PLACEMENTS is attempting to collect as XXXX XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have defaulted on my private student loans. I owe XXXX dollars to navient. I have got into a program to pay on my loan. I have been in the program for over 6 months. I was looking at my credit report to determine if I can go about getting financial backing for a loan. All of my loans are charged off. I understand this happens in default but I believed if I made consistent agreed upon payments on my loan that it would reflect on my credit that I was trying to work with my creditors. I called navient today and tried to see what are my options. They informed me that the only way to change what is on my report is settling for XXXX or paying my loans off with them. I am currently trying to fix my credit and move into the next phase in my life. These student loans are a nightmare that never ends. I know it is my fault for letting them default in the first place but I could not afford them when I got out of school and when I finally got steady work and was able to get into a program that I could afford, the loans were already defaulted. And because of my private student loans I do not get the benefits of the federal student loans. I am at the mercy of my lender. I would not mind settling with navient however I would have to do it in payment arrangements over time. I really just want the debt of student loans to end as soon as possible. I want to be able to buy a house in the next five years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: NC
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 Account # XXXX XXXX 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On XX/XX/31 I received a payment via Venmo from XXXX XXXX. He mistakenly selected the purchase a product transaction type which is shown very prominently by Venmo in their app payment process. 

As a result, instead of receiving the full amount I received a lower amount as fees were deducted automatically under the assumption that the payment was for a business purchase. 

I would expect that to be able to correct this error I would be able to issue a full refund of the amount paid ( including the fee ) to the person making the payment. However, after contacting Venmo they were not able to offer this option. There is no way for me to refund the full amount including fee so the sender of the money can easily correct this very simple mistake. So Venmo is keeping the fee, even if this transaction was clearly in error and I as the RECEIVER of the money would like to reverse the transaction. 

The prominence and color of the send payment for purchase button in this process is misleading in that it strongly encourages users to choose it - even when the payment is not for a business. Even when a payment is made ( in error ) there is no easy way for the parties to correct this mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-12
Company: Global Lending Services LLC
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My understanding of the Federal CARES Act of 2020 is that lenders have to remove late payments reported to the 3 credit reporting agencies. I work for a XXXX XXXX in MN and we have had to, and continue to, remove late payments reported throughout the pandemic. My lender, Global Lending services says they do not have to and I need to dispute with the reporting agencies. When I inquired what would happen, they stated the reporting agencies will come to them and they will then report once again that I was late. So it seems I will be stuck in a never ending loop of going nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On XXXX/XXXX/2015, I sent a mortgage payoff payment via Chase BillPay of amount {$28000.00}. The payment was electronic and was delivered next day on XXXX according to Chase record. However, the recipient of this payment, the mortgage company, refused to accept this payment because it was not in certified check format per their policy for mortgage payoff. As a result, they notified me that they refused the payment on XXXX. Chase notified me on XXXX that the payment got refused. The mortgage company asked me to send the payment via wire within the next couple business days so that the payoff amount wo n't change. 
However, when I logged on my Chase account, I could not find anywhere that {$28000.00} is. I called Chase and spoke to XXXX representatives and XXXX supervisor. The supervisor told me their policy is that Bill Pay cancellation will take 2-5 business days to come back to my account. I was surprised, because Bill Pay ( especially this electronic one ) instantly takes my money when I submitted, but someone would hold on to it for 2-5 business days before returning back to me? It is worse than paper checks, where my money would have been sitting in the account while the check is being refused. 

The issue is then, I wo n't be able to make the mortgage payoff amount in the next couple business days. Plus, I felt it is extremely suspicious that Chase is just holding my money for interest or other investment during that 2-5 business days. 

I asked the Chase supervisor where their official policy is written, and legal terms and disclosures. She sent me the Chase Bill Pay legal terms and disclosures, but it only says " canceled Bill Pay funds will be returned back to your account the next business day ''. There is no where mentioning the 2-5 business days of returned/cancelled Bill Pay electronic payments. 

I am formally filing this complaint against Chase bank for unlawfully holding consumers ' money for extended period of time, outside of the Bill Pay legal terms and disclosures. 

Here is the Chase Bill Pay Legal Terms and Disclosures XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: NC
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 Account # XXXX XXXX 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 a account without my written instructions.

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 2022-05-31
Company: Experian Information Solutions Inc.
State: NJ
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 Account XXXX XXXX XXXX # XXXX, XXXX 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 a account without my written instructions

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 2017-01-06
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: APR or interest rate

Complaint:
To Whom It May Concern : I had a promotional APR of 0 % on my Chase Amazon credit card. Chase has not applied my payments ( excess of min. payment ) to the account balance with the highest APR. In fact, when I researched how Chase applies excess payments on their website, I came up with the following ( see below ) " How are payments applied to the different APRs on my balance? 
When you make a payment, generally we 'll first apply your minimum payment amount to the balance on your monthly statement with the lowest APR. If you pay more than your minimum payment, we 'll next apply money to the balance on your monthly statement with the highest APR. If you do n't pay your full balance each month, you might not be able to avoid interest charges on new purchases. '' - Per Chase Website. 

The Credit Card Act of 2009 requires a card issuer, upon receipt of payment, to apply amounts in excess of the minimum payment amount first to the balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. 

Chase has not treated my payments in this fashion. I would like an adjustment to be made to my account. 

Thank you.

Company response to consumer: Closed with explanation