BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-27
Company: Navient Solutions, LLC.
State: RI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have struggled to pay the large amount of private loan debt I incurred 13 years ago whole attending college. I have tried my best to always make my payments by working side jobs and moonlighting even though it is against my employers strict policy. The market is not what it used to be and this work has reduced considerably and I can no longer continue to do this work because I can lose my job. My wife is a XXXX XXXX XXXX mother to our XXXX children, I am the only working parent, I can not afford to lose my job, bottom line. Increased costs of health care and cost of living and the loss of this extra income has left our budget negative every month. It has been really hard keeping up with the over {$150000.00} in student loans both federal and private and we have fallen 5 months behind on my federal loans. I have used all forbearance in the early years of my loans and filed bankruptcy in XX/XX/XXXX in an effort to try to make things work but it is not working as our family grew after XXXX XXXX XXXX  children and having a child of our own ( which we were told was impossible ). I 've spoken to Navient many times looking for options and programs and at this point there is not much left. I appreciate that they have considered me for lowered interest programs but even the lowest interest rate is still a {$450.00} payment on top of another {$270.00} for federal loans and we simply do n't have an extra {$720.00} each month. I spoke to Navient on Friday XX/XX/XXXX and the rep on the phone admitted that private loans just do n't have the programs ( like IBR ) that federal loans have and there was n't a lot of relief for me there. She seemed understanding and listened to me for over 25 minutes, I explained all of the above to her. Then she told me she had to transfer me to a manager to " record '' everything we just spoke about. He was rude, loud, and inappropriate. He said, " so what bill are you not going to pay this month so you can pay Navient ''. suggesting that I not pay what? electricity? food? Their phone calls are getting more aggressive and they are now calling my place of work which I have asked that they do not do. I am not allowed to get these kind of calls to my place of work. I was told last time that the number would be removed from the list and they would " leave a note to not call me at work ''. I just recieved another call to my office from them and they hung up on the receptionist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax is reporting a 60 day late on XXXX. 
No 30 day at all. XXXX  and XXXX  are reporting differently. 
This is in violation to report false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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 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 2017-06-27
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I requested my creditor Loan Depot to assess my loan for the removal of my PMI insurance. I was instructed that I had to make payments for 11 whole years before they would remove PMI. I know that if my Loan to Value is below or close to 80 percent then they should consider the removal of my PMI. I refinanced my home almost 2 years ago and during that time my appraised value came in at {$200000.00} and my current outstanding balance on my home is {$170000.00}. Are they correct in saying I have to wait 11 years? Is this a new regulation I 'm not aware of?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX, XXXX, I opened an account with Bank of America in there XXXX Georgia branch. The Banker and I sat and I explained to him what type of account I wanted to open ( originally the XXXX  account ). The Banker had to enter in my information twice as there were two profiles in Bank of America system. After merging both old and new profile, the Banker then ran the risk assessment and Bank of America system approved me for a regular checking account. At this time, I made a cash deposit and was given all my documents. On Monday XXXX XXXX, XXXX, I made two mobile deposit of checks I received. As of then and as of the morning of XXXX XXXX, XXXX my account was open and fine. On Tuesday XXXX XXXX, XXXX, I went to use my temporary card at a gas station and was declined use. I had to wait till XXXX to talk to a Banker, who transferred me to the Risk Department ; she informed me that Bank of America was closing my account because another institution had made a report to them. I explained to the Risk Dept Rep that I went through the Banks Risk management and was cleared so I do not understand why my account was being closed. She then transferred me to an automated system ( after I asked to speak to someone who could tell me who the other Banking institution was ). This automated system would n't allow me to speak to anyone. Do to Bank of America 's Risk assessment system and the lack of proper business professionalism I suffered humiliation but having my card declined and not being able to pay for my purchase. Bank of America should have never opened the account, accepted my deposit or allowed a full day to go by without any notification that my account was in jeopardy of being closed.

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 2017-06-21
Company: Comerica
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I closed my checking account with this Bank on XXXX XXXX, XXXX. On XXXX XXXX, XXXX this Bank sent me a letter that there is an overdraw balance made on XXXX for the amount of {$55.00} which is incorrect and threated to claim the overdrawn amount with a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Ive been a good customer of Huntington bank for over a year now, rarely have I ever been in the red with them, and I got slapped with a {$150.00} dollar overdraft fee because I booked a hotel and didnt put money in until a couple hours after my 24 hour grace period. Now my account is negative - {$370.00}. I am about to go out of town on business and this cuts into my funds and this is the only bank account I currently have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-04
Company: Merchants and Medical Credit Corporation, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Merchant and Medical Credit Corporation violated the Fair Debt Collection Practices Act, Telephone Consumer Protection Act, North Carolina Collection Agency Act, and other applicable state statutes for its ' continual calling me for someone's else debt which I informed the representative several times that this is a wrong number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I WAS CHARGED FOR SOMETHING I DID NOT AUTHORIZE AND I CONTACTED AMERICAN EXPRESS AND REPORTED FRAUD ON MY ACCOUNT. THEY TOLD ME THAT I DID DO BUSINESS WITH THIS COMPANY AND ACCUSED ME OF THIS TRANSACTION WHICH I DIDNT MAKE. THIS IS SENIOR CITIZEN ABUSE AND ITS NOT RIGHT THAT THEY DONT BACK THERE CLIENTS. THE CHARGE WAS PUT ON MY CARD ON XX/XX/16 FROM TIMESHARE XXXX XXXX-XXXX PLEASE HELP ME GET MY MONEY BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: ECMC GROUP, INC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
ECMC and US Dept of Education get {$100.00} from me every month, and they continue to say that I am in default or late. then XXXX College is charging me and I couldn't even attend the school. I disputed the amount and they are still on my record.

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 2019-03-26
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/XXXX received email stating ICR plan was recalculated to {XXXX} XX/XX/XXXX received email stating payment will be extracted XX/XX/XXXX. 
XX/XX/XXXX XXXX notified XXXX XXXX that I was in school. My loans were placed on in-school deferment XX/XX/XXXX to XX/XX/XXXX. I wanted to be on deferment at this time. XX/XX/XXXX to XX/XX/XXXX interest was paid. 
XX/XX/XXXX received a letter stating that annual recertification is coming soon. 
XX/XX/XXXX completed IDR plan request and mailed it. Question # 4 was answered yes that I want to start making payments under this plan immediately XX/XX/XXXX received letter saying IDR was recalculated to {XXXX} and due on XX/XX/XXXX. Letter also states that I am enrolled in direct debit and we will continue to debit your account for your new monthly payment amount. 
XX/XX/XXXX payment was made of {$260.00} XX/XX/XXXX Received a direct debit bill and that the total to be extracted is {XXXX}. Letter also states that I was enrolled in direct debit and the total of {$260.00} would be extracted. This did not occur. 
So from XX/XX/XXXX to XX/XX/XXXX no payments were made. 
XX/XX/XXXX received a direct debit bill and that the total to be extracted through direct debit would be {$260.00}. This payment did occur. 
XX/XX/XXXX received email stating that payment is due and direct debit will occur on XX/XX/XXXX. 
XX/XX/XXXX mailed in School Related Deferment Waiver form and stated on it to continue payments starting XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: IL
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$770.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX : {$1500.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX  XXXX Balance : {$84.00} XXXX XXXX Balance : {$84.00} XXXX  XXXX Balance : {$770.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1500.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$84.00} XXXX  XXXX Balance : {$84.00} XXXX  XXXX Balance : {$770.00} XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2017-06-27
Company: Diversified Recovery Bureau LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
on X/XX/2017 I received a call from XXXX. The person identified himself as XXXX XXXX from XXXX XXXX XXXX. This company continually calls my place of employment, threatens me with being served, calling friends and family to track me down, etc. They contact my work number four to five times a day, sometimes 3-4 times a week. They leave nasty messages on my cell phone also threatening. They tell me that I committed fraud, punishable by law by being arrested and literally scare the XXXX out of me. I had to leave work one day because I was so panicked about being served and arrested at my work I had a major XXXX XXXX. I want these people to stop making these threats and apparently no one has been able to stop them. I did research through BBB and it says this company is closed, but I do not know where these people are located because they wo n't tell you. There were numerous requests for credit, 16, through XXXX XXXX on my credit report that I did not do and it took time to get them off which I save all of the letters, but I have a feeling this company was doing this but ca n't prove it. I need help!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names and addresses as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Radius Global calls my phone number up to three times daily ; Monday through Saturday. I have answered the phone to tell them to stop calling, although I did not verify my information. The representative agreed to take my number off of the call list. They called the very next day. I do not know what debt they hold because when I ask them to tell me who they are and why they are calling, they say they have to verify my information first before they can reveal any information. I have call logs, but they do not leave voicemails.

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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2017-09-08
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have asked for a verification of debt bc I I know my loan balances are extremely high. It appears as if they are being counted multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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/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 2017-09-08
Company: ALLY FINANCIAL 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 did not authorize this company to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and it is affecting me getting credit.

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 2022-09-05
Company: EQUIFAX, INC.
State: MO
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:
the Credit Bureaus have done nothing to remove the disputed items from my Credit Report despite the multiple dispute letters I have been sending to the Credit Bureaus. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my personal documents. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any account and information that resulted due to identity theft. However, I see here that the Credit Reporting Agencies seem to not care about the said FCRA regulation that protects a consumer 's rights. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the following disputed items completely from my Credit Report. If the Credit Bureaus insist that that the dispute items belong to me, I will require the Credit Bureaus to provide me copies of documents bearing my signature to prove the Credit Bureaus claims that the disputed items really does belong to me. Please remove the following fraudulent items completely from my Credit report ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX Balance Owed : {$23.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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 did not authorize this company to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and it is affecting me getting credit.

Company response to consumer: Closed with explanation