BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-18
Company: Navient Solutions, LLC.
State: IL
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 took out private tuition answer student loans from XXXX XXXX from XXXX when I went to School of the XXXX XXXX of XXXX. These loans are now serviced by Navient. They have been charged off since XXXX. I was n't able to pay the XXXX monthly payments and the servicer gave me no options but to default on the loan. Now the loans have more than doubled in interest and fees with in a two year period. Also Navient continues to report this on my credit report with erroneous information. The closing date and the last payment made is false, illegally extending the statue of limitation on the account. This company is a predatory lender and their collection tactics are abusive and illegal. I ca n't even get I loan statement that describes these fees and interest. The fees and interest they have added to this account are exorbitant. I plead that the CFPB take legal action against this consumer predator Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: EQUIFAX, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
As of XX/XX/2020 there are two XXXX XXXX charge offs appearing on my credit reports. On XX/XX/2020 I was sent a update on my credit report stating these two accounts were removed, which I do have the proof of removal. For some reason as of today you all have deemed to put those creditors back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I called the company again today after a 40 minute hold. I let the company know that they blocked my from paying online and by phone. I also informed the operator that they sent me COVID 19 paperwork with the incorrect amount listed. Stating that I would owe of {$11000.00} or more which is an EGREGIOUS mathematical error. After informing the operator, she began to be rude and hostile. I told her that I would not tolerate that attitude and requested to be transferred to the US branch. At that point the operator hung up on me. 

I REQUEST again that XXXX, the worst account manager in this company be removed from my account. Also, " XXXX '' who hung up on me. 

Then I called back a 3rd time to hear " XXXX '' tell me how highly trained his department is so I got another opportunity to ask up to 5 times to be transferred. 

This company is XXXX ... UNPROFESSIONAL and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This is a letter that was sent to an attorney describing what happened : Hello, I found out today when I went to open a new checking account with XXXX XXXX bank and was denied, that XXXX XXXX XXXXXXXX has filed a claim of suspected fraud against me with ChexSystems and possibly XXXX XXXX XXXX. I have filed a dispute with ChexSystems and called XXXX XXXX XXXX  to see if there is a claim against me with them, but It will take 5 days to hear back from them. 
Last month, I opened a new checking and savings account with XXXX XXXX XXXXXXXX. They made 2 small deposits into my XXXX XXXX XXXX checking account to verify. The deposits were then removed. After this, I did an ACH transfer for {$4000.00} from my XXXX account to my XXXX account. While this transfer should have taken up to 3 business days to complete, it ended up taking much longer and both XXXXXXXX XXXX and I were becoming concerned. I was in constant contact with both banks. After many hours of speaking to reps from XXXX XXXX XXXXXXXX, I was getting nowhere. Finally, I spoke to a XXXX XXXX and ended up in an argument with her over this. They were not helpful whatsoever. 
Ultimately, I spoke to a manager at XXXXXXXX XXXX  who advised that they would be able to have their ACH department go in and retrieve the ACH deposit back from XXXX and not to worry because there is a paper trail for all ACH transfers. Turns out that the day the ACH finally was processed and appeared at XXXX, the manager at XXXX ( unknowingly ) went in and had the funds retrieved. I believe this is where the problem lies, but I am uncertain. I have not had any luck with XXXX XXXX XXXXXXXX. Immediately after this, they closed both of my accounts. They told me they will not reverse the claim, will not provide any further information and to contact ChexSystems, who will negotiate with them. 
To be clear I did not commit fraud, nor did I try to and I need this removed from my record. I can lose my job over this. Its extremely difficult to get anywhere talking to these banks and agencies. I have records of the transfer and deposit. I also have my statement from XXXX showing the withdrawal and then the credit back into the XXXX account from XXXX. 
I was going to go to XXXX XXXX XXXX XXXX XXXX this morning to speak with a branch manager to see if they have any leverage in speaking to XXXX XXXX XXXXXXXX XXXX because trying to call XXXX ( which is now XXXX XXXX XXXX XXXX ) is futile. They arent even accepting calls at this point in time because of the recent acquisition of XXXX Bank XXXX XXXX XXXX XXXX. 
I honestly do not know what else to do. Can you 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 2020-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of Identity Theft and have been harrassed by XXXX XXXX for over 2 years of trying to dispute this issue. They are collecting for Capital One account that was opening fraudulently. Each time I spent hours on the phone with a XXXX XXXX associate just to be contacted again the following day by another XXXX XXXX XXXX to say they have no record of the call i had the day before - this happening over and over again for the past 2 years. They are a terrible collections company that does not file any paperwork appropriately. Please help me resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I filed a complaint against Equifax number XXXX, because they refused to provide me with my consumer report and file. Equifax closed my complaint and responded with a stall tactic, once again refusing to comply with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: CL Holdings LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This collection account is reporting as OPEN.

. According to the FCRA, I have the right to an accurate credit report. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company isnt the original creditor. Im no longer liable for this debt, being that the original creditor already sold my debt to you. Meaning youve been paid for my debt and Im no longer liable for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My XXXX XXXX XXXX father who suffers from XXXX was tricked out of his life 's savings by a young woman con artist. She " borrowed '' all his retirement savings and she used XXXX of his credit cards to go on shopping sprees. She used his Citibank card to purchase more than {$8000.00} in merchandise at stores he never shops in such as XXXX and XXXX 's XXXX, much of it while my father was hospitalized. Note that their fraud alert system failed to recognize this unusual use of his card. Citibank 's fraud department refuses to recognize this as fraud, despite the fact that this woman has been arrested, has been charged with grand larceny and identity theft and is being criminally prosecuted for the use of the card. So, the criminal justice system says fraud and Citibank says permissive use. They have informed us we have no right of appeal and no recourse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Requested PMI cancellation on XX/XX/22 via phone call. Was told Flagstar bank would respond within 10 days. On day 14 ; XX/XX/22, I called again for the status and was told it was in process and the wait time was actually 14 days not 10. I called again on day 28 ; XX/XX/22 and was told the company changed the wait time to 30 business days. Business days not calendar days. I was never notified of this change. Seems unfair that I am following the rules and the company is just changing them as they want. They are stalling and costing me money. They are changing the terms of our loan agreement without notification and without consent.

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 2016-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX, I agreed to a loan modification with BAC that required both trial payments and a long term 40 years mortgage. As part of the loan modification, I agreed to a balloon payment in excess of {$100000.00} that created a negative equity at my owner occupied residence. Another serious issue is that my credit is adversely affected by the negative equity caused by a 40 year mortgage with a $ XXXX balloon payment. 
I was recently denied assistance by Keep Your Home California program on the basis of a recent denial by BAC that I believe to be random, punitive and arbitrary. 
My complaints are as follows : 1. I was never provided any disclosure prior to executing a loan modification with BAC that a 40 year mortgage with a $ XXXX balloon payment would severely damage my credit for 40 years on the basis that I am ( and will continue to be ) underwater with negative equity. 
2. I was randomly denied a second loan modification and principal loan reduction after I provided my account representative, XXXX XXXX ( Customer Service MGR XXXX ) with an updated Profit and Loss that met the criteria by both BAC and California 3. On XXXX XXXX, XXXX I was instructed by XXXX XXXX to remove a cease and desist letter from my file and after I informed her that no such letter existed, she became rude, unprofessional and closed my file. 
4. After XXXX XXXX at BAC closed my file for mortgage assistance, including, but not limited to loan modification file, I was immediately informed by XXXX XXXX from Keep Your Home California " bad news that BAC had closed my file, refused to participate in her program to lower the loan principal '' and that XXXX XXXX could not give a reason and that she was also surprised, she also indicated that most of the time she has good news but not in this instance ''. 
5. On the basis of my negative equity I am being harassed by short sale agents.

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 2017-05-20
Company: SUN WEST MORTGAGE COMPANY, INC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I had previously submitted a complaint under " CFPB  Case Number  :   XXXX   ''.   In response to my complaint,  SunWest  Mortgage  Company  stated " Th e appraiser has  mentioned in the appraisal report that the subject property was recently renovated ( in the year    2013  ). The subject property had new roof, new vinyl siding, new kitchen, new bathrooms, new laminate flooring throughout, new furnace and new hot water heater. This indicated that the subject property was in like new condition. ".   The truth, however, is that : the roof was not new, the vinyl siding was not new, the furnace was not new, and the hot water heater was not new.   I would like to hear from the Bank, as the Bank seeks a response from the Appraisal company they had hired.   Based on what assurance did they affirm that : the roof, the vinyl siding, the furnace, and the hot water heater were new?   This information led the Bank 's underwriters to believe that the property had been recently renovated. This is no laughing matter, but it almost can serve as a joke when we talk about the furnace and hot water heater. These a very, very old.   Why did the  appraiser say they were new? Did the seller provide the appraiser with receipts of newly purchased and installed furnace and water heater, or the appraiser  simply assumed they were new?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America is guilty of duel tracking a borrower who has not yet completed the modification process. 

In a letter to me dated XXXX XXXX, XXXX, Bank of America through a third party debt collector, XXXX XXXX XXXX XXXX ( XXXX ), stated they intend to conduct a non-judicial foreclosure sale ( trustee 's sale ) on the Deed of Trust associated with this loan. 

Bank of America knows full well, I am still considered active in the modification process as they have not provided me a written determination on my timely appeal of XXXX XXXX based on the incorrect HAMP denial of XXXX XXXX as stated and confirmed in their XXXX XXXX, XXXX letter to me. 
Per RESPA as enforced by Regulation X and a group of laws commonly referred to as the California Homeowners Bill of Rights, duel tracking is against the law. Therefore, my home loan account can not be forwarded for foreclosure, or any other separation processes until the modification process in general and the requested HAMP, in specific, has been completed.

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 2017-09-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
equifax - they mishandled my information, which puts me and millions of other people at risk. 

I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution and compensation in the form of a free ssn  change and identity theft services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On or around XXXX XXXX XXXX several collection accounts were removed from my report and placed backed on. My score also dropped XXXX points once that happened.

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 2020-06-15
Company: Remitly, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I set up an account with remitly.com for the purpose of making an international money transfer in the amount of {$300.00} US. I received an email receipt for the transaction, then I received an email notice stating that my transaction had been cancelled due to " suspicious activity '' on my account. 
I tried to email this company for an explanation. The reply I got advised their email customer service was unavailable, as is their telephone customer service, which I also tried. 
I went through a lengthy wait time to speak with a representative on the company 's on line chat application. I was told basically the same thing as the email stated. In addition, I was told that I was barred from ever using their service. When I asked for a detailed explanation of the nature of the suspicious activity and an explanation for their decision, They refused to provide either, and referred me to their user agreement, which provided no specific information about this denial of service except for reasons not applicable to this situation. 
As a consumer I believe I have a right to know exactly what the reasons are for a complete denial of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Excessive overdraft fees which caused a domino effect. 
There was {$150.00} available in my account. Three transactions came processed for ( {$100.00}, {$50.00}, and {$130.00} ) on the same day, Instead of processing the transactions for least to greatest ( {$50.00}, {$100.00}, {$130.00} ) which would have only resulted in ONE overdraft fee, the account was debited from greatest to least ( {$130.00}, {$100.00}, {$50.00} ) resulting in THREE overdraft fees that day and additional fees as a result of the overdrawn account totaling 5 fees.

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 monetary relief
Consumer complaint received 2016-11-30
Company: ONLINE Information Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
on XXXX/XXXX/2016, I mailed a debt validation letter to Online Collections in regards to a alleged debt with XXXX XXXX XXXX Account # XXXX that I DO NOT OWE! Online Collections failed to verify the debt, refused to answer the stipulated question in my debt validation letter and in return, mailed me a XXXX-page single line statement that list the name of the doctor and a charge of {$77.00}, THIS IS NOT A VALIDATION OF THE ALLEGED DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX  accepted fraudulent charges on my credit card I called them from a foreign country informing them of the fraud and I closed that card, they said I could not fight the charges until I was back in the United States. This was some three and a half years ago. I returned only recently. 
Upon my return XXXX XXXX said they could no longer fight the charges because it was out of calendar. My calls eventually reached a Fraud department manager who stated that I should have been given other options to fight the charges. They did not fight for their money nor for my cash deposit, however they did apologize. I requested a letter from them stating as much and to date have not received one. XXXX XXXX sold this inaccurate account to Portfolio Recovery Associates. I alerted them about the fraud as well as XXXX, XXXX  and XXXX. One credit reporting agency is no longer showing this debit after my repeated objections. 
Portfolio Recovery Associates will not stop reporting this fraudulent and inaccurate account. XXXX XXXX will not send me the letter stating they released this debt over me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: TMX Finance LLC
State: TN
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
This Complaint should be read along with my CFPB Complaint # XXXX of XX/XX/XXXX, against TitleMax of Tennessee. Though I stated in my CFPB complaint " Any and all Accounts '', I did n't specifically mention a second loan amount of {$500.00}, TM Account # XXXX. As my current, CPFB XXXX Complaint states I initially obtained a loan of {$1500.00} in XX/XX/XXXX. This second Account/amount for {$500.00}, initiated in XXXX, arose out of money that I had been eligible to accept in XXXX, but did n't take ( only XXXX application ). 
My Complaint with this loan revolves around the same issues as cited in the CFPB Complaint XXXX, above. In addition to it exceeding the State Maximum allowable Interest and Financing Rate, producing blatant XXXX practices, the Predatory Billing illegal practice of not applying the Payments received- to the Principal- Reduction, makes the loan virtually un-payable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I submitted a FTC dispute letter and proof of identity to XXXX XXXX and Transunion on XX/XX/2022, they received this information on XX/XX/2022 and I have yet to be informed about the status of the accounts in question. According to the FCRA these fraudulent accounts should have been removed from my credit report within 4 business days and I actually allowed them 5. The accounts are as follows XXXX XXXX {$0.00} Balance, XXXX XXXX {$0.00}, DEPT OF EDXXXX {$4500.00}, DEPT/ED XXXX {$8100.00} XXXX DEPT/ED XXXX {$2900.00} XXXX Included below is my FTC Report, Dispute letter to each bureau and the method I sent it, over night for transunion and XXXX and via fax for 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