BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-28
Company: MoneyLion Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX I reviewed my CBR and noticed a Money Lion account that I had not opened. This account was opened in XX/XX/XXXX. So I called them immediately. 

This account was opened with an e-mail, phone number and ADDRESS that was not mine and has NEVER been mine. I have proof of my address in a rental agreement, I had been at my residence for over 2 years when this account was opened. 

I contacted the agency ( Money Lion ) immediately in XX/XX/XXXX and they closed the account and sent it to the fraud department after VERIFYING WITH ME THE INFORMATION WAS NOT MINE. I was told this would be handled and would no longer reflect on my credit report. I have not heard anything from this company since XXXX. 

I disputed the account in XXXX as it was still showing on my report, and the company verified it on my credit report in XX/XX/XXXX. How can you verify an account that was fraud?? The address is not mine I have documents to prove where I lived in XX/XX/XXXX and it was not at the address they have listed for this account. 

I have called and they will not allow me to speak with a supervisor, they make you wait for a call back. I'm still waiting for my call back since XX/XX/XXXX. 

I called again today XX/XX/XXXX and was told by a representative that this account is still in the fraud department. I have given this company ample time to investigate and they have not done anything. I again asked for a supervisor and they denied me. I asked to speak directly with their fraud department and they told me that is not allowed. Why would I not be able to speak with the people handling my fraud case? 

It has been 7 months. They should have had an answer for me after 30 days. The account should have been removed after 90 days because the information is incorrect as it is a fraud account. It has been well over DOUBLE that time. I need this account removed from my credit report and they refuse to do it or let me speak with a supervisor or the fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
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 temporarily postpone payments

Complaint:
I had a student loan with Sallie mae in XXXX had a deferment in XXXX for financial hardship. Never received anything after now there taking my eitc income taxes. I still ca n't afford to pay and the department never told me my loan was transferred to someone else. What can I do I can be reached at XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a huge credit score change ( XXXX ) recently due to a open derogatory account which was claimed by XXXX ( XXXX ). It is a collection agency who claims to represent the original lender - XXXX ( XXXX PUBLIC SERVICE ELECTRIC GAS ) and amount is {$55.00}. I believe it is a false debt as the following reasons : XXXX. Wrong account number Ending with XXXX is the account # in the derogatory account details. XXXX was my account number with XXXX. Please see the attached file XXXX. PSEG_Account info and billing status. 

2. No balance with XXXX As the attached XXXX account information and billing status, I have no balance with XX/XX/XXXX. I had a automatic transfer from my bank 's checking account to XXXX for the electric bills. XX/XX/2015 was the last payment before moving. 

3. Moved to XXXX in XX/XX/2015 I cut the service from XXXX in XX/XX/2015 since I was reallocated to XXXX in XX/XX/2015. Please see the attached file XXXX. XXXX power_account info and payment history. 

Please note that all electric utility bills have been wired automatically from my bank 's checking account every month. There is no reason I have a balance with XXXX and a collection from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I used Paypal to request payment using XXXX new features, the " request money feature '' and the " invoice feature '' on XXXX XXXX, 2016. 

Neither I nor the payer were notified of the fees being charged. Paypal alleges that disclosing fees in the FAQ section and Terms and Conditions was adequate, and they could represent the transaction in a way that neither user would pay fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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: Their investigation did not fix an error on your report

Complaint:
I have disputed this XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has already been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. 

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 non-monetary relief
Consumer complaint received 2022-05-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have disputed this XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has already been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. 

XXXX XXXXXXXX

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 2015-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
IRS had put a levy on my account and it was done by error on there part. now i 'm still hit wit the bank charges and the IRS rep said they would inform the bank not to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
As a struggling single parent with student loans from Navient/ XXXX XXXX XXXX XXXX contacted the the loan agency to find out how I could repay the loans. They guided me to to get a forbearance on my loans. So I went with their advice and years later my small loan is now almost XXXX. I have been receiving calls after calls for payment, and a few months back I tried to set up an arrangement and it was going to be 30 a month and the balance when paid in full would be XXXX this is absurd. I like so many have good intentions to pay but this is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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, has violated my rights. 

15 USC 1681 Section 602 States I Have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for and purpose.

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 2018-05-29
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
6 years ago unfortunately went to bankruptcy chapter XXXX i did include my property on this process we came to an agreement to the loan company and court house at that time was XXXX XXXX XXXX that my property secure value was XXXX and it was the amount bank requires in order to void the lien of my property this amount was requested by the court house and executed by XXXX XXXX XXXX appraisal, i spend since XX/XX/XXXX making payment to satisfied the requested amount, my chapter XXXX bankrupt was successfully completed XX/XX/XXXX it was fully administered by my trustee and the case was close successfully i did call the bank in order to ask for my release of mortgage letter but was impossible to receive an answer after many calls and a lot of waiting time the the only answer was getting is " we will research '' after few months with no communication with the bank i was surprise that the loan company transfers all rights to specialized loan servicing llc another different company, i did call this new company to request my release of mortgage letter, but still give me the same answer, threatening me to send my house to foreclosure i did forward my court documents but seems no effect of 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 explanation
Consumer complaint received 2015-03-31
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
While focus may be on PayDay Loans and their exorbitant interest, there seems to be no attention being paid to bank overdraft fees. Chase, my current bank, charges {$34.00} per paid or returned item if I accidentally overdraw my account and will not extend me overdraft protection because of medical debt destroying my credit score. How is this any less usury than a PayDay Loan? Granted, they are fees and not interest but the difference seems subtle to me. Does it really cost {$34.00} to pay a {$5.00} check? 

My worst horror story was with XXXX XXXX in XXXX Illinois. They admitted they could see international wire funds pending for deposit to my account the instant they were released to from the foreign bank. They suggested it would take 14 days for the funds to clear the transferring bank and actually post to my account. They paid checks I wrote against uncollected funds but charged me a hefty fee the same as for overdrafts for each. This situation ultimately created an overdraft situation that just snowballed. I refused to pay the fees and their customer service response was to place me in the XXXX XXXX which is totally one-sided ( and deserves another complaint ). I lived without a checking account until I fell from the XXXX XXXX and never did pay them the manufactured fees!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: NV
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/XXXX, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts and inquiries listed below are still reporting on my Credit Reports and need to delete immediately : Experian : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX Bankruptcy Court Bankruptcy Reference XXXX XXXX XXXX Liability : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX A XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-09-28
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX see ftc attached all wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: BARCLAYS BANK DELAWARE
State: NV
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:
I had an XXXX XXXX  XXXX XXXX CARD issued thru BARCLAYS. IT EXPIRED IN XX/XX/2020. BARCLAYS NEVER ISSUED A REPLACEMENT CARD. CALLED BARCLAYS THE REPRESENTATIVE SAID BARCLAYS CLOSED MY ACCOUNT WITH NO EXPLANATION. I HAVE A  XXXX BALANCE ON MY CARD AND THE TELEPHONE REP GAVE NO EXPLANATION AND THE REP TOLD ME THAT BARCLAYS WAS GOING TO SEND ME A LETTER WHICH I HAVE NOT RECEIVED. I THOUGHT THAT DURING THE PANDEMIC THAT CREDIT CARD COMPANIES CAN NOT UNILATERALY TAKE SUCH ACTION.

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 2016-06-02
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Issue: Payoff process

Complaint:
Chase Freedom Credit Card Special Offer Received in the Mail Regarding Balance transfer on XX/XX/2016, for {$14000.00} at XXXX percent interest, XXXX percent transfer fee which totaled to {$290.00}. 

I recently received a special offer in the mail for Balance transfer with the above terms. I do not have a problem with the disclosed information or the above terms. 
What I have a problem with, is the monthly minimum payment rate of XXXX percent of the monthly open balance. This minimum monthly payment of XXXX percent of the monthly open balance was NOT disclosed, which I find to be a deceptive practice. Presently, I am being charged over {$700.00} a month for the minimum payment. In my opinion, this is excessive, was not disclosed in the special offer, and when I checked the Chase Credit Card web site, I was unable to find this inflated minimum payment rate. 

My wife, XXXXXXXXXXXXXXXXx, with XXXXXXXXXXXXXXXXXt card ending in XXXX had a similar offer, that monthly payment rate is XXXX monthly of the open balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hi, After trying to cancel automatic payments with Navient and reading the high ratio of complaints about this company, it needed to be sent to your office. I'm sure this company has been reported in the past. My payments to Navient have been set up for automatic payments since XX/XX/2012. The amount is around {$240.00} on the XXXX each month. On the Morning of XX/XX/XXXX I went on my Navient account online to cancel the auto pay for that month. They make it difficult since the option doesn't exist online. All utilities and monthly payments I have set up with othercompanies make it very easy to cancel if needed. Navient doesn't allow this. Given the extra payments in the past, this means my balance due each month is {$0.00}. Yet I continue to automatically pay each month to pay it off. On the XXXX I called their office and to my surprise was put on hold after this simple request. 
This is where the unethical part takes place. 

I clearly stated my intention to stop auto pay and I would establish it next month. They tried to sell me a deference. They were selling the ability to delay months and months of payments. It's clear the intentions were for the additional interest and fees it would bring in. With a balance due of {$0.00} and 6 years of on time payments, why else would they make months of no payment sound good? I reiterated to cancel the auto pay. After some time he confirmed. I received an email and document stating this. On XX/XX/XXXX I received an email thanking me for my payment. I had my bank deny it. Called Navient and they said I stopped the payment on Friday and reinstated it on Saturday. Being in IT Support and IT Admin the last 9 years, I'm not one to accidentally log in and accidentally establish the payments. On XX/XX/XXXX, Navient took out that monthly payment successfully. Between the unnecessary promotion of deferring loans, re-establishing auto pay without permission, and continuing to attempt to take money on a {$0.00} balance, this is a company that should be looked at. Thankfully I'm in a position to not let this effect my month. But if the request to stall payments came up it is not easy at all even after getting email and verbal confirmation. For some, that theft of money could set them back in various ways. Attached you'll see a confirmation of the cancellation on XXXX. You'll also see it get re enrolled on the same day. I didn't do that enrollment. The following week on the XXXX, I did. My goal was to skip one month since the balance was {$0.00}. 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: Flagstar Bank, N.A.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX 2008 when I bought my house that was listed for {$190000.00} the bank told my real estate agent that in order for me to secure the house I will have to over bid and offer {$210000.00}, the bank mislead me to offer {$18000.00} over the listed price, when home prices were actually dropping and no raising, and the bank knowing this approved the loan, after about 4 years my home value went down all the way to about {$130000.00}, at the time when the economy was really bad my employer changed my salary status from {$XXXX} yearly to {$XXXX} hourly. I took about 35 % pay cut and I was struggling making my mortgage payments so I was forced to ask the bank to help me to modified my home loan to avoid loosing my house, after months of fighting with the bank they approved a loan modification, but what they did, they added around {$12000.00} to my loan debt, they gave me 4.5 interest rate and they reset my loan to 30 years again ... 
Right now after 7 years been paying my mortgage, my loan balance is {$200000.00} and my home value now is around {$180000.00}, I pay over {$100000.00} towards my house and my mortgage balance still {$200000.00} how is that possible? .... 
At work now after all the salary cut I took, they cut my hours as well and over time is out of the question anymore, so I been struggling paying my mortgage for the last 2 years, I used all my savings, and I been living in credit in order to be able to pay my mortgage, but I came to appoint where I do n't have more savings or credit available or unused credit in order to continue paying my mortgage, I contact my bank for help but as always, they just keep me running in circles, requesting the same information XXXX of times and loosing papers time after time without a concrete answer to solve or help me to keep my house ... 
I believe I was a victim of predatory lending, no just XXXX but XXXX times already with the same bank, and after all the money that the government gave to the banks to help people like me that is in trouble paying predatory mortgages, the only thing that in this case my bank does is profit more ... 
That 's why im requesting an investigation from your agency and review my loan and the modification that they did and why my balance still so hight and why the bank is giving me a hard time to do a real loan modification when a person like me really needs it and refuse to do it when I qualified for XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX  ruined my credit by reporting me to a XXXX XXXX   agency falsely stating that I was Transacting ( or attempting ) to transact ) with an account in an unauthorized or prohibited manner. XXXX took a verbal statement from my disgruntle ex-husband as a fact and reported me to the credit agency without verifying or giving me the opportunity to defend the allegation. After 6 letters I have sent to XXXX XXXX they can not explain logically why XXXX  did it but they did it but they refuse to remove the false statement from my credit records. This has caused that I can't get any credit with any agency as well as any bank. My Checking and Savings accounts were closed due to XXXX XXXX   actions. XXXX  has clearly committed defamation against my name and therefore against my credit which caused me tremendous financial harm.

Company response to consumer: Closed with explanation