BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
for 4 yrs straight they garnished my full tax refunds from XXXX ( each yr i was getting back over {$4000.00} ) and years after partially garnished. 
I am still getting mails about a balance am owing and I was making payments biwkly in XXXX and XXXX.Now when I logged on to website is showing all of a sudden I have a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: BARCLAYS BANK DELAWARE
State: AZ
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 do not recognize or authorize these inquiries.

pursuant to 28 USC 1746 ( 1 ) I declare ( or certify, verify, or state ) under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on XX/XX/2021. 
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 2022-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital one credit card closed my two credit cards for absolutely no reason. Ive tried to call them and speak to them at capital one but they always responded with same generic answer that they cant reopen accounts because they dont have authority. I dont understand how any government agency can call themselves a governing body when they allow these banking institutions to do anything they want. I never violated any user agreements. Bank had no authority to close my account and it should be opened immediately. I had absolutely followed all user agreements to the best of my capabilities and never violated any agreements. Capital one simply closed my accounts because they felt like it. Which is illegal, and criminal and should be fined by federal government so this never happens again to me or anyone else

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 've sent Experian XXXX letters with a full consumer statement regarding fraud that occured on my credit report. They stated on the last complaint response that they would " verify '' the public record. I have not received anything. This is keeping us from getting a home. See attached Department of Justice report ( end of attachment ), fraud affidavit, and certified receipts. 

It 's upsetting that the Experian takes advantage of consumers by leaving accounts on credit reports just so they can make more money on negative reporting. 

Thank you for your help to get this resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
Yes on XX/XX/XXXX my card was locked out I can not get into my card I can not do anything it is now going on on the XXXX XXXX XXXX I have been out in the heat I've been in my van I haven't had a bath I haven't done nothing because I'm 350 miles from home while I'm walked on my card and the bank does not want to unlock it because oh they didn't update my information when I called it in in XXXX so they're saying it's my problem they didn't update anything my email my phone number nothing so and oh guess what my ID 's expired because of covid and I've got an appointment to get into get my ID but it's at the end of XXXX so they can't use my ID because oh they said it's because it's expired the other Banks use it but not this one so I don't know what to do I don't know what to say all I know is this bank is stealing people 's money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I borrowed money XXXX XXXX XXXX XXXX XXXX in XXXX. Due to a family health crisis, we had this loan in forbearance for about 4 years from XXXX XXXX. Then due to losing our family business, we declared bankruptcy in XXXX and were successfully discharged in XXXX. We were told that student loans can NEVER be erased in bankruptcy. Navient told us nothing about the hardship discharge that we could apply for just that when we ended bankruptcy this loan would still be there. The entire 7 years while we were in bankruptcy the loan that started out at XXXX $ had over XXXX $ in interest added on to it. Since we can only make the minimum payment and interest rate of 7.25 % that is still accruing on the loan, it has ballooned to over XXXX XXXX Since leaving bankruptcy we have not missed a payment and the loan still does go down. I am a public school teacher and have applied for forgiveness and have been turned down. I have tried to refinance and have been turned down. I have applied for income based repayment and been turned down. At this rate we will NEVER pay this loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I normally pay my mortgage at the end of the month, because that is the way my pay comes in. I have been XXXX for about 7 months and recently gone back to work. I attempted to make a payment on XXXX/XXXX/XXXX but the automated system would not allow, which forced me to call the office the following day. 
I found myself on hard time during the course of my XXXX which cause me to be 1 month behind. 
I called Carrington Mortgage on XXXX XXXX to make one full month 's payment and to schedule a second payment on XXXX/XXXX/XXXX. 
The representative said they could not accepted this payment and could only accept 2 months ' payment. 
I explained my financial situation, but to no avail. I told the representative that I would mail the one-month payment in, he told me he would not advise because it is not certain the payment would hit my account. 
On XXXX/XXXX/XXXX I receive a note rubber band to my gate downstairs at street level, " Please call your Mortgage Lender '' anyone walking by this note is visible to. HOW EMBARASSING! this is an invasion of my privacy. Carrington mortgage has my phone number in fact they ask each time a call is placed. 
Carrington Mortgage had been a fair Company to deal with until now. I am in awe and very disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 from 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 an 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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXXXXXX ( Account # XXXX ), XXXX XXXX Account # XXXX ), XXXX XXXX ( Account # XXXX ), XXXX XXXX XXXX XXXX XXXX Account # XXXX ), XXXX XXXX XXXX XXXX XXXX Account # XXXX ), XXXX XXXX XXXX ( Account # XXXX ), XXXX XXXX Bank XXXX Account # XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ), XXXX XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX XXXX XXXX Account # XXXX ) has violated my rights. 

15 U.S.C 1681 Section 604 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 2016-03-02
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit card
Issue: Other

Complaint:
on or about XX/XX/XXXX XX/XX/2015 we apply for a fnb credit card with this bank and after put my my credit score was XXXX over the average. which is excellent credit. and was the denial. so we apply for there business credit for the business that we owe with good credit. we was denial again. so we file a company with the consumer financial on or about XX/XX/2015. in the bank response they never addressee the issue .denial base on excessive credit report inquire. in there reponse they said no social security number and that statement is untrue. she said with this small business product requires a personal guarantee we was never offered the guarantee and that was unfair. we would sign a personal guarantee, if it was offered to us. but it was not. we are still denial your approve of the product base on the fact excessive inquire which is not a base. we as a XXXX XXXX and a XXXX owen with excellent credit. never late no miss payment always pay on time .I believe it was unfair to denial the business card for the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Amsher Collection Services, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently purchased a home and I noticed on the credit check a Collections account with Amsher Collection Services. This account was evidently a delinquent account from XXXX XXXX that was opened in 2020. I have never had an account with XXXX XXXX. I have had accounts with XXXX XXXX XXXX, XXXX XXXX and XXXX and I have always paid my bills on time for over a decade.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: MO
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 ActXXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXXXXXX XXXX account # XXXX, XXXX ( XXXX ) account # XXXX, XXXX ( XXXX ) account # XXXX, XXXX ( XXXX ) account 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 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-04-22
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My original servicer was XXXX XXXX In XXXX of this year my servicer changed to Truist Bank. Truist has not had the correct balance of my mortgage. My mortgage balance with XXXX was lower by $ XXXX than it started with Truist. I have contacted Truist by phone several times over the past 5 weeks and I keep getting the run around. They will not get me a manager or anyone in charge, I get the customer service representative that states they have can not help and say someone will call me back. 
Truist Bank is not be a fiduciary of the money or trust I have given them.

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 2017-02-01
Company: BBVA FINANCIAL CORPORATION
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I read XXXX review of most competitive checking accounts and decided to join Simple Bank. An issue arose when I tried to complete my application. Upon following up with Customer service, two separate employees let me know that Simple only offers accounts to U.S. Citizens. 

I inquired more about this policy and a member of the customer relations team reached out and declined to provide more information. I am a non-U.S. citizen legal permanent resident of the United States. I have legally resided in the U.S. Since XX/XX/1999. I have never encountered such a policy with an American bank. Simple Bank never sent me a notice to officially deny my application to join their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello. 

This account was paid in full. 
An arrangement between the lawyer and myself. 
Last week call the attorney to file a complaint Because that still keep it as debt collection {$150.00} He replied that it had been a mistake I was going to erase that negative report. 
This appears in XXXX Report. 
XXXX XXXX Original Creditor XXXX XXXX. 
Open Date XXXX XXXX, XXXX Balance {$150.00} Collection Debt {$150.00} XXXX This appears in my bank report. 
XXXX/XXXX/XXXX XXXX * GA {$370.00} I need your help please. 
Kind Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: OK
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 from 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 an 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 2022-04-22
Company: EQUIFAX, INC.
State: OK
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 from 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: U.S. BANCORP
State: VA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Credit card company 's sign up page stated : Enjoy all of these benefits for {$50.00} Annual Fee The benefits included a benefit for Bonus Award Nights. When clicking on the link, the only information regarding changes was listed vaguely as : We may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law. 

It does not state anywhere about changing account benefits, nor does it state that the annual fee is for servicing the account, rather I am receiving a set of benefits for paying the Annual fee. They have now removed one of those benefits, and have stated that they will not refund, prorate, etc., the annual fee on the account even while removing benefits. 

They market this credit card and the annual fee, by stating that I am paying an Annual fee for a set of benefits, and then they are removing benefits while not doing anything with the annual fee. 

The consumer is being harmed by companies that advertise a set of benefits for a fee and then remove those benefits while not adjusting the fee.

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: NCC Business Services, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I would like this collection to be removed from my XXXX credit report was reported as collection debt without my knowledge.

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 2016-04-26
Company: Unique Management Services, Inc
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was never informed of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2021 I notified the credit bureaus that there are some account reporting on my credit report that were the result of someone using my information to open up accounts. The credit bureau 's have removed some fraudulent accounts from my credit report however when I pulled a new credit report and I noticed that the accounts re-appeared. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the items back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX  and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague and so they can complete an investigation which may unfortunately lead to an arrest.

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 2016-07-08
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was transferred from one company to another, both belong to the same parent company. We received notice from Stearns ( our original servicer ) that it would be transferring to Loancare ( the new one ) on XXXX XXXX. I never received anything from Loancare, even though subsequent research has told me it 's mandatory. We paid our final payment with Stearns via autodraft on XXXX XXXX, the mortgage due date. On XXXX XXXX we saw a second withdrawal from Loancare in the FULL amount of our mortgage. When we called Loancare they said they did n't see that taking place on their end but had heard similar complaints by other customers. When we called back hours later, they assured us they 'd be wiring the funds back to our bank and they 'd be there by XXXX. They still are n't showing up, leaving us basically in financial ruin for the weekend with a small child at home. I do n't know ANYONE that can afford to pay their mortgage twice in a week. This is completely unacceptable and given my findings into this company today, I am not alone in my treatment from them. They need to be seriously investigated and shut down. They had no authorization to access my bank account in the first place and lied when they told us they 'd be taking corrective measures. 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 2022-04-22
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had two small transactions that went through my account on & Truist gave me {$72.00} in fees. I called in XX/XX/22 at XXXX & spoke to a rude, uncaring rep named XXXX who was no help with the fees. He refused to get me a supervisor twice as I asked. Then, didnt give me a phone number to where the supervisor would call me back. This is a new business account for me. If this is the way Truist does business, Ill be laying this balance & closing my account asap. I have a credit union account & this is never an issue with them. I want to speak to a corporate office rep before I go on digital media to let others know how Truist treats its customers & to news media if needed. 
I even went in the branch today off XXXX XXXX with a rep. She was no help.

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 2020-08-04
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Tried several times to use my debit card to link to several different sources for payment! 
Says PNC made changes. 
Not Happy

Company response to consumer: Closed with explanation