BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-01
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I 've been dealing with XXXX XXXX for school loans which were then spun off to Navient. During all my dealings with both of them I 've always had conflicting statements for balances due/remaining. I 've entered into a 'steps ' program as they call it where they 've dropped my interest rate and therefore my payment to a lower amount ; the spin off to this is that they set up ALL payments for the following 12-15 months in advance. When I visit the webpage online the amount paid shows up but does n't reflect the amount owed on the accounts. I 'm told its something they do differently internally so the site wo n't perfectly reflect it. XXXX pressured me into taking out all of these loans in the first place without my understanding of what I was signing. I 'm unable to tell if their program for reducing my payments is only further increasing the debt I owe. In order to reach someone at Navient for help anyone calling is forced to first deal with a voice system that only understands the words 'make a payment ' and forced to hold for a long time. When you do reach someone, they 're so compartmentalized in what they can do that any inquires have to be transferred around to other departments forcing whoever is calling to wait even longer, and different staff have different answers to questions that it does n't seem they 're qualified to answer. I hate that I 'm forced into dealing with crippling debt and the incapable lenders because of XXXX 's brutal money hungry loan mongering and false promises which they 've failed to deliver on, further forcing me into debt and choosing between paying a personal loan bill and ensuring things like medical and dental needs are properly addressed. I 've had to defer payments already at one point when they were completely unwilling to work with me when payments were WAY too high. Without the reduction I 'm on now I would n't be able to afford a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had a XXXX Card with Barclay Bank, then encourage you to transfer funds from higher interest Credit Cards to the XXXX account, they will then cut your credit limit without informing you to make it look to the CRA 's like you are over using your credit. This has happened to me twice, on the second occasion I closed all accounts with Barclay.

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 2021-06-30
Company: EQUIFAX, INC.
State: MN
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Credit Systems International, Inc.
State: TX
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:
see ftc FCRA violations : CREDIT SYSTEMS INTL IN Original creditor : XXXX XXXX {$410.00} Balance updated XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America reported me to the XXXX as a suspected fraud activity that had happen to my account which I did not know the check I was given was fraudulent. The company that I worked for went bankrupt and issued all the employees their final paycheck. I took the check I was given and deposited it into my checking account via atm thinking the check was good. When the bank processed the check they closed my account and reported me to XXXX for suspected fraud activity. Now I am forbidden to open any bank account for 7 years. I had no control over the pay check I was given cause I did not know the check was bad. I do not believe I should be banded from opening up a checking or even saving account from any other bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Santander Consumer USA Holdings Inc.
State: NJ
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 following accounts are appearing on my credit report, without any authorization, they do not belong to me, it is hurting me Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

10. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

11. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 

12. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

16. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

17. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

18. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 

19. Identity Theft XXXX CARD Account Number : XXXX This is not mine. 

20. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

21. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 
Identity Theft 11 XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX CARD Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: AES/PHEAA
State: CA
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 was told by FedLoans that my XXXX individual XXXX loan were consolidated, but I found out that was NOT true. XXXX of them are unsub and XXXX of them are sub. The starting balance and current balance are as follows ; Original XXXX current XXXX ( paid off {$67.00} ) Original XXXX current XXXX ( went up {$75.00} ) Original XXXX current XXXX ( went up {$260.00} ) Original XXXX current XXXX ( paid off {$130.00} ) Original XXXX current XXXX ( went up {$220.00} ) This has been over a FOUR Year period! The customer support are always very rude and unintelligent. I had to once go into forbearance due to loss of job, and they were happy to help me ( most likely due to interest collected ). During this time they reported to the credit bearueu that I was delinquent when that was not the case. There was XXXX other time earlier in the years that I had to go into forbearance due to no work. So just twice, both times approved. 

I am back to paying my loan again due to a great full time career. I just looked at my recent payment, and it was split up between the XXXX loans. More was paid to interest than principal, I 've even seen times where 99 % went to interest and 1 % went to principal. 

This loan company only wants your money. They will have you pay for decades, XXXX over your credit report, collect money on interest and never pass go. Over the years of paying this loan on time ( except for those 2 times ), I still have n't been able to decrease it below the {$8400.00} mark. {$470.00} has gone to principal, where as {$990.00} has gone to interest. I will never be able to be rid of these people, I feel like it 's a debt owed to the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Issue: Other fee

Complaint:
I was charged a finance charge by Barclay 's new XXXX when I made the last payment on time to the US Airways XXXX card that was closed by Barclays. I think this is a fraudulent finance charge on behalf of Barclays.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It seems that Portfolio recovery refuses to send me proper documentation of my alleged debts even though I have disputed with them multiple times over the past XXXX years over these accounts and they continue to report these accounts inaccurately on my credit report. This has caused me multitude of grief from denied jobs, applications, high interest rates, the list goes on how this has personally affected me. 


I have disputed the account ( portfolio recovery ) multiple times with XXXX, XXXX, and XXXX multiple times. I have also disputed directly with the creditor asking for XXXX of the right for portfolio recovery to collect this debt and proof that the debt even belongs to me and portfolio continue to ignore my requests. 

I requested documentation from their files used to verify these accounts. Under the XXXX XXXX XXXX XXXX, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of request concerning the account reported on my credit report. Simply sending back a letter saying verified does not fulfill that obligation. 

Who verified these accounts? How did they verify them and with what documentation? Were any of these documents signed? Where did these agreements come from? 

They absolutely refuse to answer any of those questions and therefore should remove this account from my report immediately. 

The only documentation I received was a {$0.00} balance letter and notification that the account was updated, verified, or that there was new information. A balance letter or statement does not qualify as verification per XXXX. This company is in violation for continuing to verify accounts without providing proper evidence and documentation as requested. It is my contention that Portfolio recovery can not properly tie me to these alleged accounts otherwise they would have done so when I made the initial request. XXXX is blatantly disregarding the law and with everything going on with these breaches I dont trust anything from them. Please delete this from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are fraudulent inquiries on my report please remove them. XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Central Portfolio Control Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an alert on my credit file that there was some kind of collection with a company I have never heard of. The name of the collection company is Central Portfolio Contro. It's indicating that there is money due for some company named XXXX XXXX XXXX XXXX XXXX XXXX. I have no idea what this is. I disputed with the bureaus and they haven't responded. I never received anything in the mail from the collection company or whomever they are trying to collect for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Bank of America is putting items on and off credit reports without any notifications. Account ends in XXXX and should read paid as 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 explanation
Consumer complaint received 2017-01-13
Company: Navient Solutions, LLC.
State: MI
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 still have several loans that have been paid off and have a {$0.00} balance but are still showing as an open account on my credit report. They are also showing the status of late which is hurting my credit score since they are not late and have been paid off for years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I 'm a co-signer on a private loan with Navient. Recently, the borrower, myself and the servicer have made arrangements to consistently pay the loan with automatic debit payments every month. Even though the payments have been received, the online account continues to show payment delinquency & late fees. This causes multiple phone calls to the borrower as well as myself, the co-signer every month. I 'm tired of the continuous communication with the loan department even though we 've reconciled the account numerous times. It is bordering on harassment at this point because Navient can not get their technological affairs in order.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
5 years ago, when I was supposed to start making monthly payments on my private student loans. I called them and explained that I can not afford the monthly payments. I simply do n't have the money. I offered to pay what I could, {$100.00} a month, and they simply denied it. I gave up and my loans are now in default, and have been for some time. I was hoping my employment situation was able to get better and it has n't. XX/XX/2013 I had to declare bankruptcy. Since student loans are not able to be discharged, i was stuck even though I could n't afford them. Now it has gone to the litigation department and i still want to try and wotk out a payment of {$100.00} a month because thats all I can afford. I called them and am still waiting to hear back. I am making monthly income based repayments on my federal loans because they understand my financial situation. I do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: SC
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:
This account suddenly reported on my credit and I have no idea what it is as XX/XX/2021 has been paid so this can not be truly a XX/XX/2021 bill as well as I have not received any notification in writing of a debt and it was placed on my credit without my knowledge which violates my rights according to the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ( b ). I have not been contacted by this office by any forms. Furthermore, they are reporting a debt that has been paid and also in order to attempt to collect a debt in the state of SC a collection agency must be licensed and bonded. This collection agency is NOT licensed NOR bonded in my state which violates the law in State of SC. I request this illegal collecting CEASED and DESISTED immediately and removed off my credit as it is not valid plus illegal collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Billing statement

Complaint:
As I understand it, credit card companies are required by law to list the interest rates and balances subject to these interest rates on monthly credit card statements. I 've notified Bank of America on many occasions that my credit card statements, more often than not, DO NOT include this important information. As of my last complaint about it, BOA reached out to me and said it was a result of a system upgrade and my statements would now include that information. As of XXXX 2015 my monthly statement included the information I was expecting. It seems they corrected the problem for 2 months as XXXX 's statement to current no longer provides this information.

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 2021-06-30
Company: U.S. BANCORP
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : US BK XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my Credit Report. 


Account Name : XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my Credit Report. 


Account Name : XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from 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 non-monetary relief
Consumer complaint received 2015-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was congratulated on my mortgage modification. But the bank did not disclosed the new term and the percentage rate of the loan. I 'm still at 8.5 percent and 11 percent on loans. I 've been dealing with them for over a year now they are just doing nothing. I have an XXXX child and I have XXXX. I have been feeling as this is a JOKE to them. The bank is not treating me with any respect and they are not willing to help me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have recently refinanced my home and Ditech is my servicer, XXXX is the investor. I have since the start of this loan in XXXX 2016 made additional principle payments which can not seem to get credited to my account correctly. Each month I call and have to spend time speaking to numerous people who assure me that this will get straightened out. I 'm told they will put lock out codes on the account, next month when I call I 'm told the person prior did n't do it correct, now today I 'm told they acquired a bunch of loans and are really busy. I 've not received and accurate account statement from Ditech in 6 months. They keep applying my additional principle to future payments. Today I was told my additional payment from two months ago still is pending to be credited to my account. I asked for a payoff of my account and they can not give it to me because they have no idea what it is. This is ridiculous, six months and they ca n't resolve this issue. I also have asked that my interested be recalculated to be sure it was reduced with the additional payments from the time the additional funds were received and that those funds also should have been credited to the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
The credit companies is not complying to FCRA Section 611 Part ( A ) ( 1 ). By law they have 30 days to respond.

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 2017-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello, I am a victim due to Bank of America 's actions. I am currently a XXXX year attending the University XXXX, and during my XXXX break, I was actively seeking for internships. I applied through XXXX XXXX, and one day I received response from one of the companies. That day the company and I had an virtual interview via XXXX. The next day, the company talked more about my details and issued a check which should be used for the virtual internship that I will be doing the XXXX. However, they told me they wanted me to begin training now. After depositing the check, I felt that something was wrong. So I did research and found articles that this internship could be a scam. So immediately I canceled the deposited check or tried too two after it was deposited. However, Bank of America immediately closed my account. I called Bank of America to explain the situation and they told I could do nothing since the check was fraudulent except of mailing evidence to their Risk Management office evidence that I was innocent in which I did. I just think this situation should be reconsidered because I have not used any of the money from the fraudulent check, I tried to cancel the transaction, and that since I am a college student almost about to XXXX a bank account is needed for 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