BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-19
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 was a struggling XXXX who wanted ro do the right things towards my loans. I uderstood that I took the loan and must now repay it. Nonetheless, XXXX XXXX, now Navient, has made that quite difficult to do by refusing to work with me in any way for a better repayment plan. I have tried everything from trying to change my payment date to trying to lowere the interest and they wo n't budge on anything stating that because I have a Private Loan, there is nothing that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: Navient Solutions, LLC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Pioneer Credit Recovery , Inc. contacts our business multiple times every day in reference to a worker 's personal debt despite being advised over and over that this is a business and our workers are not allowed to take personal phone calls on business lines. These tactics include calling the direct lines of every employee which are listed on our website. The calls usually total more than 10 per day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I enrolled at the XXXX XXXX XXXX in XXXX XXXX and have somehow racked over {$28000.00} in federal student loans for a diploma! I never was able to finish the program because of the lack of communication I received from the finincial aid depatrtment explaining to me all the charges that seem to be racking up. I can not afford this cost and upon initial signing up, I was told I could receive finicail aid from the government. I did not know loans were being taken out. I make a mere {$25000.00} a year. I was duped by this school and whomever was getting a commission of 'recruiting ''. I was misled. 

Also Navient approved my IBR at {$0.00} from XXXX to XXXX but is still billing me the loan amount thus devastating the little credit I have. The also sent me a letter on XXXX/XXXX/XXXX that it is time to renew my IBR by XXXX/XXXX/XXXX, a month later.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am in the process of purchasing a home and my student loan payments are showing 90 plus days late but it not showing any 30 days late. You cant be 90 days until you are 30 and 60 days late. I would like my payments posted correctly. I am trying this first before paying someone hundreds of dollars to do this. I had loans with the Department of Education and Navient now and they are both reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I paid off my Navient student loans in XXXX XXXX, but automatic payments were deducted from my bank account in XXXX and XXXX. I called them, mailed my bank statements, and turned off the automatic payment option with my Navient account. However, in XXXX the same payment was withdrawn! I do n't know how they still had access to my bank account. Navient says those payments must be going towards a private loan, but they acknowledge that there are no other loans associated with my SSN and they actually have no records of the withdrawals on their end. Further research on my end shows that these payments ( ending in -FDR ) have been taken since XXXX XXXX and have not apparently been applied towards my student loans.I 'm at a loss of what to do! Thousands of dollars are gone that I thought were going to my student loans but apparently were just disappearing into thin air. Navient is researching it, as is my bank 's fraud department. Obviously I need that money refunded, or proof of an additional, legitimate loan in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
XXXX sold my private student loans to Navient. Navient continues to refuse to provide me with a statement that will show each of my loan statements on one document. Navient will not provide me with TPD discharge information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The Navient loan company has been calling me repeatedly requesting me to repay my loans. I am XXXX and earning no income so I am unable to repay currently. In addition I just had a baby so I have been exhausted from caring for her. They will call sometimes every hour and have even woken the XXXX. Yesterday they threatened to call the police on my dad and today they told my husband they would ruin my credit. I am so tired of being harassed. I know I need to repay the loan and I will as soon as I begin earning income when I XXXX from XXXX school next year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: NAVY FEDERAL CREDIT UNION
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Navy Federal credit union began to send me collection bills and account deficates on an account I didnt have, they proceeded with collection activities and threats that took weeks to deal with and my banks help to unfold the damage they created. In the end I received a vague response letter from them and a promised follow up to clear up the mess they created for me, which never happened from theyre part. I had never heard of navy federal and had never had any accounts with them until they sent statement, letters and threats to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I completed Ch XXXX bankruptcy in XXXX XXXX and begin to receive notice that I owed XXXX in additional mortgage payment to Wells Fargo Bank . I have asked, in writing, since XXXX XXXX for an accounting of how they have come up with this figure. Wells Fargo has my mortgage in foreclosure status sale, date unknown. This is very unfair and the investigation has taken an unreasonable length of time. Monthly I receive notice extending the date of the conclusion of the investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
( 1 ) We are seniors who have XXXX and health issues and in XXXX of 2014 I asked our lender if they had any suggestions/help for us with our mortgage. I specifically said I was not interested in a short sale, nor were we in jeopardy of foreclosure as we have never missed a payment and did not intend to. 
( 2 ) I was sent an application but said on the application I was only hoping to look at options - perhaps a different percentage rate, or possibly just a fixed rate. I tried calling numerous times trying to tell people that I just wanted to talk to someone about my options but no one would return my phone calls. 
( 3 ) In XXXX we got a decline on assistance with our loan and that we were not eligible for FORECLOSURE alternatives. - " Due to the reason I was not evaluated on other criteria ''. I had no idea what this meant and tried to call but my phone calls were never answered. Shortly from the decline we got a letter sending us information on selling our house on a SHORT SALE! I continued to call people and ask them about this correspondence and what it meant but could n't connect with anyone. 
( 4 ) In XXXX I got a fee charge on my mortgage statement of XXXX. I called again and talked to someone who said that it was a mistake and would be removed. 
( 5 ) The next month this fee went up to XXXX and I called again. I finally wrote a letter how unhappy I was with their service and wanted the fee removed from my statement. 
( 6 ) In response to my letter a person called and I asked her to remove the fee from the statement. She said she would have to check into it and see what it was for. Many months later she called and said that the fee was for an appraisal. I replied that I did not ask or give permission for an appraisal nor was I sent a copy of the appraisal which by new laws they must send to me promptly. 
( 7 ) A month later I was sent what they called an appraisal. ( It has now been at least six months later ) It was not an appraisal - it was an exterior BPO and done by a realtor and not a certified appraiser. I have a real estate license and I know that according to FIRREA rules that we can not do appraisals for mortgage loans as this is illegal. It also states that if lenders wish to ensure payment for appraisals they must request payment before. ( Strangely I was studying the new laws of the CFPB for my continuing education in real estate in XXXX. ) ( XXXX ) As I have found out that getting help with mortgages from the government is a big farce I feel I should not have to pay for an appraisal which I was told was a mistake, and which it says right on it that it is NOT an appraisal, and I certainly did not receive it promptly. Asking for help with my mortgage not only has caused a lot more stress for us, but now I have more money to pay and a lower FICO score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-28
Company: Performant Financial Corporation
State: GA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
PERFORMANT is notorious for strong-arm collection tactics, including ruining credit reports for non-payment. I do not owe this debt to PERFORMANT. It is a student loan that is current with XXXX. I do n't know why they are trying to collect from me.

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 2016-03-02
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This On-Site company has abused this service that reports inaccurate and bogus credit reporting information to a leasing agents by the name of XXXX Apartments and whomever else they have accounts established here in XXXX XXXX, NV. They asked me to submit documentation to support my disputes for all disputes and discrepancies, and have submitted from both official documents from the US Federal Bankruptcy court of the list of debts discharged in my BK-XXXX on XXXX XXXX, XXXX and a XXXX XXXX XXXX Police report dated XX/XX/XXXX and XX/XX/XXXX of my stolen/lost ID and various other personal information for accounts opened in XXXX that are not mine. Yet XXXX did not do their due diligence to review my official documents to clear my credit file and gave XXXX XXXX a recommendation to not lease to me at the XXXX XXXX. Also, they are incorrectly reporting an old case that was erroneously filed by XXXX XXXX, where I initially leased back in XXXX. That situation has been RESCINDED and cleared from XXXX County public records. And should not have been filed in the first place since the situation was taken care of and paid in full prior to filing the Summary Motion from XXXX XXXX. XXXX XXXX will be addressed accordingly. On-site rental reporting company has created damages to my reputation and integrity to have their damaging and inaccurate report. sent to prospective landowners/leasing agents. I have been in the mortgage lending industry since XX/XX/XXXX, and On-Site.com is violating FCRA and XXXX Credit laws, US Federal Bankruptcy laws and now stated defamatory remarks to my personal character and integrity on their ill reports which in turn prevents me from living a safe and comfortable lifestyle They have not properly researched for truth or accuracy, yet refuses to accept my official supporting documentation. Nor has XXXX conducted reasonable investigation of my disputes, they are reporting incomplete and inaccurate information, and have refused to accept my documentation to verify and report debts that are paid in full.

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 2015-10-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I wrote and asked Experian to remove the address " XXXX. XXXX XXXX, XXXX, PA XXXX '' from my credit report as there are no active or inactive accounts reporting it. Experian wrote me back and stated that if I believe an address in my credit report to be inaccurate to contact the source of the information directly. The " source '' has been inactive for over 6 years and IS NOT REPORTING. But a dispute -- XXXX -- is using the address only because they found the address on my Experian report. I have NEVER used a " XXXX. XXXX XXXX, XXXX, PA XXXX with XXXX. This is why I want the address removed. Keeping this address on my credit report puts me in jeopardy of fraud. I still dispute the XXXX charge and they have no right to report or use an address I have never used with them. I would like the " XXXX. XXXX XXXX, XXXX, PA XXXX removed from my Experian credit report as it belongs to someone else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I am a victim of the recent incident that occurred involving XXXX XXXX data housed at Experian that may have involved an unauthorized disclosure of my personal information. I am utterly disgraced with the written notification asking me to subscribe to Experian in order to resolve the issue as well as the fact that my data has been compromised regardless of the fact that I have never interfaced directly with Experian in my life. It is utterly abysmal that my personal data is treated with such low importance and left vulnerable to attacks of this nature. I did not receive an acceptable verbal response from Experian when I phoned them to find out what had occurred hence my complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing this complaint against ASC/WFHM in response to the QWR violations coupled with the unfair, deceptive, and abusive acts and practices that I have experienced at the hands of the ASC/WFHM and their representatives. 

On XX/XX/XXXX, I submitted a qualified written request ( QWR ) asking for copies of my origination documentation to validate my debt as well as other documentation to include the transfer of my mortgage from one owner/servicer to another and ultimately, ASC/WFHM. I was shocked when I received a phone call from XXXX XXXX in the executive offices of WFHM on XX/XX/XXXX, refusing to comply with the QWR requirements set forth by RESPA ( see attached letter ). As if that was n't shocking enough that WFHM ( ASC ) refused to respond to my QWR, XXXX XXXX defended his decision by stating that WFHM ( ASC ) violated FDCPA laws by previously sending out a response to a similar inquiry back in XX/XX/XXXX containing approximately XXXX pages of confidential information to me - the XXXX pages included my name, address, social security number, loan application, mortgage deed and note, etc. - that was left out on my doorstep fro anyone to see and/or steal. I never received the alleged documentation from WFHM ( ASC ) and XXXX XXXX confirmed that it was sent to me without requiring signature and with confirmation from XXXX stating that it was left outside my home because no signature was required. I believe that I am now in jeopardy of someone stealing my identity due to the actions of WFHM ( ASC ) because they did not protect my confidential information and left it on my doorstep for anyone to steal. 

To add insult to injury, WFHM ( ASC ) slapped a sale date on my property while refusing to answer my QWR and then sent me the requested documentation finally XX/XX/XXXX, which I believe is a QWR violation of RESPA laws requiring QWRs to be confirmed in writing as received in XXXX days and answered in XXXX days. Why did WFHM ( ASC ) decide to send the QWR response now when they refused XX/XX/XXXX? Was it because I now have very little time to review XXXX pages of documentation before my scheduled sale date ... are they hiding something that they do not want me to find? 

I am in the process of submitting a RMA in an effort to retain my home and up against a sale date in just a couple weeks. Please hold WFHM ( ASC ) accountable for their actions and please allow me ample time to apply for mortgage assistance while I review the requested documentation to ensure that all federal laws were followed in the transfer of my mortgage loan on my primary residence and to address any predatory lending or toxic loan concerns. 

Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have worked extremely hard to improve my credit ; however, it appears as though my efforts are in vain. Everyone hits a rough patch in life and I 've definitely had my share but I worked tirelessly to repair my credit. I made tough sacrifices but it seems as though I can not get ahead. My co-worker filed bankruptcy a few years ago and has a better credit score than me. I could have done the same but eventually someone stills pay for that " free get out of jail '' card. She just refinanced on her existing home with a lower interest rate because of her great credit score. In the XXXX XXXX of last year my credit score was over XXXX with many outstanding debt. I began to pay them down and focus on home ownership. Since I 've paid down most and been current on my debt I ca n't get my score over XXXX. A loan officer pulled my credit a couple days ago and here 's what it had to say : Serious delinquencies and public record or collection filed, too many inquiries last 12 months, Time since delinquency is too recent or unknown. Now to the credit of the bureaus I do have XXXX liens in which one was released. However, it 's the same information that 's been on my report for several years. The one that 's released has not been removed from my credit reports. To add insult to the injury I tried calling the bureaus. Have you tried lately??? It 's a joke!!! Credit Bureaus and Credit Reporting Agencies rank in what the top XXXX % of complaints yet they go unmonitored and unaccountable for information they report. My goal in life is to lend, not borrow and owe no man nothing! I hope the person reading my email do n't take offense. I 'm frustrated and disappointed that I 'm penalized because I tried to do the right thing by paying my debts. If I filed bankruptcy I would be in a better position. My co-worker is just one of many stories I 've heard. The message of it 's better to bankrupt than to pay up is being heard across America. Will someone take a stand and make these agencies be more accountable for the information they report and more accessible to the pubic?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
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:
On XX/XX/22, XXXX PM, received the following text from phone # XXXX : RBFCU : We Have Declined A Few Charges At XXXX  For An Amount Of {$130.00} Please Visit Us Here To Review Any Transactions Made : XXXX XXXX XXXX XXXX XXXX  I do not have an account with Randolph Brooks Federal Credit Union XXXX and 2 ) I have not purchased anything from XXXX  in over 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
In accordance with the fair credit reporter act XXXX accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 604 a section 2 can not furnish my 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