BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-05
Company: SUNTRUST BANKS, INC.
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Name is XXXX XXXX XXXX I write a check from my 401k account in the amount of {$50000.00} and deposit the money into XXXX XXXX XXXX XXXX XXXX Account and the check took 4 - 6 business days before it clear and the money was deducted from my 401k account. So XXXX XXXX XXXX transfer the funds to her Suntrust bank account and to my surprise $ XXXX with her SSI and health benefits and her Child support been held in her account from XX/XX/2017, and till now am filling this complain the money is yet to be released and under banking law fraud investigation only take 14 business days. Please come to my rescue and the poor woman so SunTrust can release the funds. 
Case number 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 2020-12-03
Company: DISCOVER BANK
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When I applied for the loan, the interest rate was 4 %. After graduation, I was told that I can defer my loan payments without being informed that this will increase my interest rate. My interest rate is now 6 % and when I check the principal balance, I think they take interest-only payment during some part of my loan time. I didn't understand much about student loan and interest rate until recently that I understand that I realized that I have been tricked into paying more and more interest with not much applied to the principal through the payment assistance that they provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
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 information incorrect

Complaint:
On XX/XX/2020, Governor  XXXX of California shut down the state and ALL NON-ESSENTIAL workers were order to stay home until XX/XX/XXXX due to COVID-19 pandemic. I am a XXXX XXXX and we are consider non-essential. My building where I lease a XXXX  XXXX , closed the building until stay home orders are lifted. All my wages depends solely on XXXX. Once I lost wages and was unable to receive unemployment, I was unable to pay my XXXX XXXX XXXX credit card due XX/XX/2020 in the amount of {$60.00}. On XX/XX/XXXX, I called XXXX 's to enroll me in the Relief program for customers whose jobs have ben affected by the COVID-19 pandemic and if my late payment was reported, if it was could he revered it. He said he couldn't see if it was on reported and that I have would to look on my credit report. Today, I see that XXXX has reported " late payment '' on my credit report, which is utterly disgusting to do during a pandemic when we are all struggling to survive, keep our family safe and are forced to stay home relying on a tumultuous government. I am on XXXX XXXX now and XXXX just allowed sole proprietors to apply for benefits in XX/XX/XXXX. I would like this inaccurate " late payment '' removed. Thank you.

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 2017-08-03
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I called to review my repayment options. The person I talked to said I had to contact a " third party '' or I could apply for a interest rate reduction for 12 months if I qualified for financial hardship. I ca n't afford {$300.00} a month to Navient when I have federal loans to repay too. And the rest of my life to pay for. It 's not hardship, I 'm just realistic. I know Navient has repayment plans and options for private loans but the guy I talked to could n't tell me what those options are. And could n't tell me what I 'm contacting a " third party '' for and who this " third party '' may be! Really!? Navient is this HUGE company and they want to push business to a " third party '' instead of working with me to figure out something that works. I 'm paying {$300.00} towards interest. I have n't made a dent in my loan and my balance keeps growing as my interest rate is flexible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: CL Holdings LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Jefferson Capital is reporting an account on my credit report that I have not received any communication from them about. The account is reporting with a company called XXXX XXXX. I have not received any documents or letters from Jefferson Capital about this account. The account just showed up on my credit report in XX/XX/2021. Now the company is calling me repeatedly. As far as I know Jefferson Capital was required to send a letter to me before reporting this account on my credit report so that I could have a chance to request validation. The company did not send me this letter. They have not sent me any letters. Nothing. This account should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29
Company: Nelnet, 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:
Hello XXXX. I am reaching out again because DEPT OF ED/NELNET Netnet did not correct the errors and they are reporting on the credit reports. I was the process of purchasing a home and lost out of the home due to late payments from Nelnet. Nelnet has incomplete accounts numbers -showing partial account numbers. Some are showing XXXX days back-to-back, while some say XXXX then back to XXXX back to XXXX the XXXX days late. I have requested under law fix this by removing this erroneous information. I am at my last rope. I requested this to be removed immediately. It is against the law to furnish information that is inaccurate. 
There is also payment as if I had paid on some of the accounts. This is also not true. 
XXXX impartial accounts and all three credit reports XXXX different amounts and dates on all three credit reports XXXX causing great harm to my rights to purchase and it's been an ongoing request that no one seems to take note. 
XXXX. When making the attempt to write DEPT OF ED/NELNET is showing XXXX different addresses? 
How was this information verified, crossed reference? How? 
I received a letter that they were not going to make changes, while I received another letter that they would remove but can't guarantee the future. The late payments are still showing on All three credit reports again with partial account numbers. 
different dates, different amounts, different actions. 
Because of this mismanaged information. I am requesting this be removed immediately. Not in 30 days. As I had lost the purchase of a home due to debt-ration being extremely too high and late payments. Which all three credit reporting agencies and reporting. I can afford to wait another 30 days for this company to fix this. 
I am really needing help. 
Thank you for reading. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX Submitted on fraud issue since Equifax ignored the reason for complaint, that I want financial compensation for Equifax ILLEGALLY freezing my account when their self serve was broken.

Today I got a letter stating that Equifax UNFROZE my account per the last complaint. They don't know what they're doing and they once again acted ILLEGALLY by removing the freeze. 

XXXX ID XXXX refused to tell me who at Equifax removed the freeze and he didn't understand the notes that are on the account. 

I had him reinstate the freeze. 

I WANT DOUBLE financial compensation for Equifax 's illegal activity on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Experian Information Solutions Inc.
State: NM
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:
In XXXX, I had voluntarily returned a new car. It was for a XXXX XXXX XXXX. I did in fact default on the loan due to my inability to pay the loan while pursuing my childhood dream occupation. This is my fault, I admit the fault and want to correct it. The remaining after the auction of the vehicle that was due and went to collection was {$2700.00}. 

In XXXX of XXXX after regaining financial stability and after spending and working 3 years outside of the country I attempted to repay the debt. I was told " you have exceeded the 999 days, the amount is DEBT LOSS and you will not be able to repay the remainder of what you owe. '' How is it that we live in the United States of America, the greatest country on earth albeit not perfect but a place that enables ALL people to build a life free from former discretion or social statuses and even from departing other countries. 

I want to correct my debt and pay what I owe? But I can not pay XXXX XXXX XXXX, I feel as if this is unfair and violates my constitutional freedoms because I can not correct my debt and free myself from a credit system enslavement. 

I have called and tried to pay this account on numerous occasions but XXXX XXXX will not accept my money. A bank that will not accept a hard working American 's money?

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 2019-08-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I start XXXX payments a Long ago and nothing is reflected and I start today an arrangement with them to pay bi weekly and is not reflected neither

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 2019-08-21
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I own a Barclays XXXX card with XXXX rewards in 2018 I've been outside the United States and when I came back the balance on my card was very high I requested for statements and during the process of going through the statements I found a charge of {$600.00} balance transfer for XXXX XXXX  you can request and I will provide the Consumer Financial Protection Bureau that I do not have any XXXX XXXX  card so this balance transfer was obviously unauthorised I contacted Barclays Bank and they very rudely denied this offer by saying you have another balance transfer on the same date what a lie this company has been giving out it should be red flag attached is my statement and you can see that the other balance transfer was one month apart not the same day please help me get rid of this unauthorized charge which day are pretty much trying to get from me in an extortion manner

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 2020-01-31
Company: Lori J. Frank PC
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
During the month of XXXX, I have made repeated communication attempts with the law office of XXXX XXXX XXXX ( XXXX, MI ) who is trying to collect a debt from me regarding an unpaid college balance ( it is not a loan ). 

Initially, I was told misinformation about how the interest is applied to the principal and, after over 30 emails with the company, managed to have them explain to me that they made a mistake and recanted their initial statement about the interest. They attempted to have me sign the same agreement anyway at this point, but I declined saying that they would need to update the agreement to reflect the mistake they made. They did so. 

However, today ( XX/XX/2020 ) was the first day I was to make a {$50.00} payment, which I believed we had amicably decided upon after I accused them of being abusive and they lowered the monthly amount. My issue : the agreement reflects that my balance is {$5800.00} INCLUDING court fees, but their online portal says I owe {$6200.00} ( nearly {$400.00} more ). 

I attempted to contact XXXX and XXXX, who I was in communication with, but both were out of the office according to someone named XXXX. When I explained my complaint, XXXX said, " Oh, I'm uh, I'm going to work on that today. Sometimes the balances are reflected differently on the site than in the agreements. '' Excuse me for feeling suspicious, but that is not legal, right? 

I can not in good conscience make a payment on a debt if they are violating the Fair Debt Collection Practices Act. I have written proof that I have been suspicious of this company and called them out on it, and they have only cited blunders in their defense every step of the way. Now their website says I owe a significant amount more. 

I have proof of all communication with this debt collector, and a screenshot of the website that says I owed more than we legally agreed on ( about 6 % more in fact ). I also have a copy of the agreement that does not reflect the website 's amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This bill was for a hospital stay at XXXX XXXX XXXX XXXX XXXX in 2019, but my insurance has paid this invoice to the originating company. A separate company called ARS then began calling me 2 days after the hospital stay in XXXX had ended requesting further payment for a medical debt. My insurance information was then provided again, and my insurance was notified. The company ARS continued to call me several times and then began to interrupt me and not allow me to speak during calls. One representative named XXXX also told me that it didnt matter what insurance I had, I owed them and I was going to have to pay them or they would add it on my credit. I then told them not to contact me, but I was still later contacted both by phone and by mail. My insurance has paid all necessary funds to both the hospital and all adjusters involved, and has provided receipts to this company but it has not been removed from my credit and they refuse to receive any information except a check.

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 2018-02-05
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My loan is processed through XXXX XXXX. Due to an error in their processing of my income verification during XX/XX/XXXX, they added almost {$6000.00} of interest to the balance of my loan which I have been appealing to be removed. The capitalization of interest on my account was carried out in a punitive manner, and yet it was their errors that caused the interest to be added to my balance. 

Their instructions for income verification state that one can submit a paystub from their employer and write the frequency of pay on the paystub. This is what I did, and I submitted my documentation and completed forms as soon as they were requested by XXXX XXXX - 2 months prior to the re-certification date ( XX/XX/XXXX ). 

They processed my application in XX/XX/XXXX, and on XX/XX/XXXX I received notification that I was denied from the Income Based Repayment plan I have been on since XX/XX/XXXX. It turned out this was a mistake on their part - they calculated my income to be twice what it actually is, and it appeared I made too much money to qualify for this plan. Since I don't, I discussed this with them over the phone - they had ignored the frequency of pay I wrote on the paystub and calculated my pay as weekly rather than bi-weekly, which is an error. 

When I was denied from the Income Based Repayment plan, the interest on my loan balance capitalized and the close-to {$6000.00} was added to the balance of my loan. Even though their mistake was corrected and I remain on the Income Based Repayment plan based on the correct amount of my income when it was calculated using my paystub, XXXX XXXX has refused to remove the interest. 

I bring up the XX/XX/XXXX and XX/XX/XXXX dates in order to note that if they encountered any problems or discrepancy in my documentation, I sent them well in advance of the due date and I could have addressed any confusion if they had processed my application around the time when they requested it to be submitted. My interactions with them lead me to believe that part of their poor processing of my application was due to their delay and subsequent hasty processing manner, since my new payment amount was supposed to go into effect on XX/XX/XXXX. 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a citibank credit card with me for past 7 years, and always use auto-payment to pay balance. end of last year ( 2018 ), I didn't use the card for several months, then the Citibank removed my automatic payment without my permission. Then when i use the card again but didn't note that there is no auto-payment. It causes several moths ' late fee, Citibank also reported it to credit bureaus and cause my credit score dropped almost 200 points. 
Citibank should not remove my auto-pay setting without my permission, that's the reason causes the late fee and my credit score dropping. Citibank should correct the mistake to help me get the credit score and late fee back.

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 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I contacted Trans Union regarding an illegal lender showing on my report. The agent did not seem to comprehend what I was trying to tell them and was not very English fluent. I received the results of the investigation around 2 weeks after I filed. The illegal account, XXXX XXXX XXXX, is still on my report as being charged off. This account should be wiped from my account all together due to the fact that in Louisiana they are unlicensed therefore have to forfeit all balance and fees regarding the loan and is deemed noncollectable. See notice - XXXX XXXX XXXX [ Please note, failure to obtain a license with this office shall nullify and/or void each consumer credit transaction or deferred presentment ( payday loan ) transaction originated after the XX/XX/XXXX effective date. These transactions shall be deemed unenforceable and uncollectible. Creditors will be required to forfeit all loans or transaction proceeds, fees, charges, and other amounts paid in association with the transaction or loan. ] I had to call and file a complaint instead of the easy online process because my account was locked out and they would not allow me to access without taking weeks of back and forth snail mail confirming my identity involving sending a picture of my ID and waiting on an affidavit from them ( This is a whole different issue I 'll take up with the BBB ).

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 2020-05-14
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received any paperwork that gave me any information to properly dispute or accept this said account within 30 days. This account is also reporting very inaccurately on all three of my credit reports. Each Bureau are listing something different. I sent a debt validation on XX/XX/2020 to NCB and haven't received any paperwork to prove that this account is accurate and belongs to me. I also submitted a dispute to XXXX on XX/XX/2020 to see if they could verify and maybe help me resolve this. On XX/XX/2020, XXXX results were " updated ' and the report number is XXXX. How are you able to validate with the credit company but not with the accused account holder?? This account is not only hindering me from purchasing a home, but it is also hindering me from other opportunities and is a violation of my rights. As I was browsing through their website to find out a little more about the company, I noticed the only license listed on their page is from South Carolina  ONLY.

Company response to consumer: Closed with explanation