BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-17
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient illegally cheated by forging fake ‘missed payments’, to avoid putting my account in deferment. Since XX/XX/XXXX, school enrollment certificates after School enrollment certificates were sent repeatedly to Navient, to request deferment. In the last minute, Navient forged over 15 “missed payments” for the purpose of evading its deferment responsibility and to increase accruing-interest from 4% to nearly 10%. Over the past few weeks, Navient increased my loan from $40000 to nearly $80000 with 15 fake “missed payments” and 10% interest rate. Nearly $5000 were paid to Navient. The payments have no effect on lowering the loan. After I complained last week, now Navient said 1 missed payment.So Navient can say that it is not eligible for deferment. It was zero missed payment two weeks ago (XX/XX/XXXX).  Anyway, this loan was supposed to be in deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: SC
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:
I XXXX XXXX, am stating that XXXX, XXXX, Equifax is violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, ( FIRST, LAST ), NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : DEPTEDXXXX : ACCOUNT # XXXX, DEPTEDXXXX : ACCOUNT # XXXX, DEPTEDXXXX  ACCOUNT # XXXX, DEPTEDXXXX  : ACCOUNT # XXXX, DEPTEDXXXX  : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
RE : PORTFOLIO RECOVERY / XXXX XXXX XXXX XXXX Acct : XXXX Dear Sir or Madam : I am continually being called on the telephone and have received letters concerning a debt that is not mine. I requested that CEASE and DESIST in their efforts to collect on the above referenced account. I am a victim of Identity theft, therefore the account is not mine. But Portfolio continues to call and harass me. I request that the CFPB demand that Portfolio CEASE and DESIST ALL collection activities. According to the practices and standards of the FTC FCRA and the FDPA. Portfolio has NOT verified this debt, which according to the FCRA is : You will see by the attached credit reports where there is NO XXXX XXXX XXXX  account. Portfolio claims to have documents proving this is my account, yet none of the documents had the following information that is required by FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: FL
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:
My identity was stolen in the past and some of the inquiries were not done by my authorization.

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 2022-02-04
Company: HUNTINGTON NATIONAL BANK, THE
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
To whom it may concern, My name is XXXX XXXX, and I have been trying to resolve the very long issue we are experiencing with you. 
We refinanced the mortgage and Heloc on our property back in XXXX of 2021, and the title company had issued a check back in XXXX with the requested payoff amount, then we called and we found out that, for some odd reason, the check was not cashed, so they requested a stop payment on check and a new check was mailed out and signed by your company, Reference number is : This was sent again on XXXX via XX/XX/XXXX and signed for by them on XXXX at XXXXXX/XX/XXXX XXXX is XXXX Since then the title company, and us keep calling you to check why the checked was picked up by you in XXXX Ohio and signed by XXXX XXXX, but yet the payoff check was never cashed and it is now 3 months after mailing 2 checks, calling many times, holding on phones for long time and nothing. 
Before I am filing a claim against you, please be sure to erase that from our credit score which severely damaged our score, for no reason. The representative from your company today advised us to send the email to that address. 
We expect your company to cash the check, find out who signed and picked up the payment from the title company and get back to us, before this will result in a lawsuit against your company and a remedy. 
No other rep was telling me about this email before, only todays ' representative. 
I also started a dispute on Experian.com. 
Meantime, I cant apply to any credit or a loan, because you damaged our credit score and our reputation. 
While I am writing you this message via email, both me and my title company are on hold for over 35 minutes waiting for a resolution. 
Please advise, XXXX and XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: GA
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be

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 2022-07-08
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX I noticed that there was a pending charge on my account. I tried to dispute the amount immediataley, but Chime doesn't allow consumers to dispute charges until they post. When I charge posted, I reported and disputed the charge about XXXX on XXXX XXXX. The morning of XXXX XXXX, less than XXXX hours later, they denied my claim. The amount in question is for {$73.00}. I did not make this purchase. According to Chime representatives who I spoke with on the phone on XXXX XXXX, around XXXX to XXXX, my debit card number was manually keyed in- and no signature or PIN was used to authenticate the transaction. However, Chime still denies my claim and won't refund me the money for this transaction that I did not make. I spoke with XXXX in their investigations unit who told me that without new evidence they would not re-open my claim. However, their investigation did not take into account that the card was manually keyed in- evidence that they both have full access to and did not consider. Claim ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX sent a letter to First Federal Credit declining their invitation to contract along with other requests. Please look at my letter that I attached to have full knowledge of my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have my amazon store card on autopay and I am not as diligent as I should be checking my monthly balances, however I recently noticed a fee for card security that has been adding a percent to my balance for the last 10 years, and I have been paying interest on it. 
When I tried to resolve the issue with Amazon and asked for a refund l was given a partial refund because it was passed the 90 days of joining. Apparently they snuck it in when I applied for the card and I am not sure how Im only seeing this fee now, however its a service I never wanted and never agreed to.

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 2017-08-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I noted in my personal back account that there was an unauthorized charge for XXXX from XXXX that I never signed up for. I initially called XXXX and they said I needed to call my bank for refund but were otherwise not helpful. I then noted that over the last year, starting XX/XX/XXXX there were a total of 7 charges of XXXX with varied XXXX accounts at varied dates (no pattern or specific day of the month) that I was charged = approx $100 total. I called Chase (my bank) to explain and they called XXXX with me on the call to get more information. Per the XXXX representative, my identity was stolen and this account was set up in XXXX (I have never been nor do I know anyone there) and since it was "such high level hacking" there was nothing that they could do. Chase than also said that all they could do was get me a new debit card and refund 1 change for XXXX only (which of note has not yet been done even though they mailed me a letter which I am happy to provide). As you can tell I have several issues both with XXXX for their inability to help in anyway and with Chase for their inability to assist with my hacked account beyond sending a new debit card. Please also note that the conversation with XXXX and chase was recorded by Chase so they should have this on record.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-26
Company: WELLS FARGO & COMPANY
State: CA
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:
XX/XX/18 and XX/XX/18 WFDS made two separate fraudulent hard inquiries to my XXXX report. The contact phone number listed on the report is fake and no address for correspondence is shown. XXXX  has not tried to work with me to remove the fraudulent inquiries.

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 2022-07-08
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Region 's Bank charged me an Overdraft Fee of {$36.00} on XX/XX/XXXX when my account balance is and has been positive since XX/XX/XXXX. 

They have claimed that some mysterious pending transaction that was never shown on the account whatsoever must have caused it by dropping it to negative, despite the fact that no such transaction was ever recorded by myself or the bank 's online service, and overdrafts are not applicable to pending transactions, only posted transactions. According to both logs, there was never a negative balance during the weekend of XX/XX/XXXX. 

Region 's support has stated quite bluntly that they will not be returning the money and they are unable to correct the issue.

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 2017-08-17
Company: EQUIFAX, INC.
State: MD
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 made 2 disputes to XXXX and Equifax to remove a paid state tax lien from my report as it does not meet the XXXX XXXX, 2017 pii requirements, they continue to respond as accurate/updated. They are not complying with the new requirements and did not truly investigate my dispute as I have  a copy of the original document filed from the court house. There is only name and  address, no date of birth and no full social security number(it is retracted on all of their documents). The credit agencies are lying, they obviously are not doing the investigation and/or they do not truly have access to the original documents filed in which case they shoud have removed them. Instead they just lie about having it verified/updated. This is in complete violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-17
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Macy 's card funded through Citibank. I travel a lot for my job and on a few occasions I have missed a payment on the card which incurred a late fee. In an effort to avoid that, I set up the payment to be taken automatically from my checking account on the XX/XX/XXXX of every month, the due date of the card. Recently, I noticed that the balance on the card was not going down and after carefully inspecting one of the statements, I determined that I was being charged a late fee. I called the company and they put me onto the Credit Department, who advised me that my due date was changed to the XX/XX/XXXX of the month and that an advisory was sent via e-mail. In addition, it was determined that I have been charged a late fee since XXXX 2015. I received no such advisory regarding a change in due date and I would like all late charges refunded to my account including all associated finance charges from that period. This is more than {$1000.00}.

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I XXXX XXXX, am stating that TransUnion, XXXX, XXXX is violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, ( FIRST, LAST ), NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : DEPTEDXXXXXXXX XXXX  ACCOUNT # XXXX, DEPTEDXXXX XXXX   ACCOUNT # XXXX, DEPTEDXXXX ACCOUNT # XXXX, DEPTEDXXXX XXXX ACCOUNT # XXXX, DEPTEDXXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 2017-10-24
Company: FORD MOTOR CREDIT CO.
State: LA
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:
At purchaae, the car was not reprogrammed to clear out other owners information. I was not told by a previous accident. I emailed the customer service person and inquired if there was something wrong with the vehicle, she did not respond. I emailed the extended warranty company and sent me the information needed that should have happened at the finance table.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: National Credit Adjusters, LLC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have retained the Law Firm of XXXXXXXX XXXX XXXXXXXX for the purpose of debt resolution. Upon the advice if my lawyer, I was to direct all inquiries regarding any and all alleged debts to the firm. This was communicated to the original debtor and or all agents acting on their behalf or subsequent new owners of said alleged debt. After be notified of my legal representation, the collection agency still attempted direct contact via phone and by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Experian Information Solutions Inc.
State: CA
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:
Account open XX/XX/XXXX with XXXX which is reporting late payments of 90 days past due or more, which is incorrect. I was in school from XX/XX/XXXX to XX/XX/XXXX and was in deferment until I started back school which was XX/XX/XXXX thru XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX. In between those times my account were in deferment status.

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 2021-08-24
Company: CREDIT ACCEPTANCE CORPORATION
State: NV
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 HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V/ GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE AND SUCH DEBT, IN FACT EXISTS/ FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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 2022-07-08
Company: Southwest Credit Systems, L.P.
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:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX  months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, You have been quite helpful in getting PHH Mortgage to take action but unfortunately the issue of getting my escrow payments made has not been resolved. 

This will be my 3rd ticket to get assistance. XX/XX/XXXX, I reported that PHH had paid my escrow tax money on the PIN numbers of another unit in my building. ( Taxes due XX/XX/2021 ) They keep reporting to you and me that the issue is resolved but it is NOT. I have submitted tax papers showing the correct numbers and confirmed them verbally yet I received a letter yesterday saying all is well, you are paid up and it continues to show the wrong tax numbers. I can not actually speak to anyone at PHH on the phone and they have not called with an update in 3 weeks now. 

thank you for your continued help XXXX XXXX

Company response to consumer: Closed with explanation