BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-12
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I don't have the exact dates as I have recently received a new job, and I sent the fax through my old work email. But, I have sent a request to have late payments removed from my XXXX  XXXX   account because they should not be on my account. XXXX XXXX and myself had my loans in deferment from XXXX XXXX, and from XXXX XXXX. If my loan was listed as in deferment for that period of time, then I shouldn't have any late payments on my account. This is severally affecting my credit score, and right now I am trying to get a new home but I am not able to because my credit score is slightly too low. I have already filed a dispute with XXXX  and XXXX ( I am waiting on XXXX  because I have to create an account with that bureau ). The dispute with XXXX has come back as finding my dates accurate from XXXX, but non of the late payments were addressed. I am aware that XXXX XXXX makes money off of late payments, which is why I am sure they are reluctant to switch this around, but this is really affecting my chances of getting a home. Also, I am sure, beyond a shadow of a doubt, that this has to be affecting multiple people and, unfortunately I can not report this to the XXXX XXXX XXXX because it is for a federal student loan. If there is anything the CFPB can do, I would greatly appreciate it. If you can actually do anything I will gladly find any and all documents you need, however, I do not want to waste my time if there isn't anything that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear CFPB, On XX/XX/2020 I booked a ticket with XXXX XXXX XXXX and was charged for the amount of {$890.00} for XX/XX/XXXX until XX/XX/XXXX from New York to XXXX via XXXX XXXX. Since the flight was cancelled due to Covid I reached out to the travel agent and requested a refund via the attached letter. Around XX/XX/XXXX I reached out to Capital One requesting to dispute the charge due to the fact that the flight had been cancelled. Capital One stated that the merchant should provide me with a refund. I asked multiple times that they should reconsider the dispute and they declined my request again stating the merchant will provide a refund. Still not having received a refund, today, XX/XX/2020 I called in and requested the refund of my money and Capital One told me that I could no longer dispute the charge as the merchant in the previous dispute closed the request because they agreed to refund the money. The bank said that the merchant is obligated to refund the money within 15 days if they agree to refund the money. Capital One was obligated to refund The bank was very nasty when I called in today and when I told the representatives that I recorded to conversation since it is my right as an American to bring this up to the CFPB the representative told me that he will have to disconnect because Capital One does not allow to record the conversation. I think this is a violation of my civil rights as New York allows for one side consent in recording. I called Capital One today ( XX/XX/2020 ) XXXX  XXXX from telephone number XXXX and the number I called was XXXX. Please listen to their recording as they record all conversations without always asking the customers if they are being recorded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-12
Company: Bread Financial Holdings, Inc.
State: AZ
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:
Original complaint : " I have reached out to XXXX XXXX/ XXXX over 4 times now regarding my credit card account. Twice they have told me they would remove these late payments on my credit reports. Months went by and still nothing. I called again another other two times and was transferred to another department and then subsequently hung up on while waiting. They are showing 4 late payments ( XXXX, XXXX, XXXX, XX/XX/2017 ) which is 100 % incorrect. I set up a payment plan with XXXX in XXXX and the lady with whom I spoke to informed me I would have ZERO late payments on my credit report. Despite having this confirmed, I still kept receiving payment deliquencies on my credit report from this company even though I was making payments on time in my payment plan. I need these removed as these are not incorrect, but are seriously hurting me financially. I have been a loyal customer to XXXX for several years and want to be treated better than this. " XXXX XXXX XXXX XXXX ( representing XXXX in the consumer complaints dept ) stated that I did not pay the correct amounts past due. However, the amount I paid were the amount STATED as due on my account " viewed online ''. The paper statement was correct but the online amount due WAS NOT CORRECT ... I paid what I was asked to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
Every time I check my credit I see accounts from XXXX, XXXX XXXX on my credit. This is old and stale information thats sitting on my credit report for 10+ years. Im trying to buy a home. This is causing my family economic harm during a pandemic. We can not obtain housing because of this. I should be free to go. Ive paid my 7-10 years. Please remove all old stale information from my file with all three credit bureaus. I am XXXX and caring for my granddaughters. We need to be able to get a loan for a home. Please remove these 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 2020-05-09
Company: CAVALRY INVESTMENTS, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a copy of my credit report from all 3 bureaus ; XXXX, XXXX, & XXXX. I noticed that there was a collection account listed from Calvary Portfolio Services. I immediately sent them a debt validation letter. I received a letter back stating they received my request but my request didnt have specific facts for them to investigate. In return, I sent them a letter stating since they can not verify this debt, then by all means they have to delete it. They were trying to use a stall tactic. The day I sent out my 2nd letter, I received another letter from them stating they verified this debt and that it is in fact mine with an attached monthly billing statement from 2018. This does not constitute proper validation. They still have not deleted the unverified debt & tare still continuing to report it to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Io, Inc.
State: VA
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 submitted an investigation letter, specifically requesting certain creditors. My request was sent on XX/XX/2020. Around XX/XX/XXXX, I received a letter stating that XXXX  refuses to do any further investigation unless provided with proof. The problem with this response is as follows : 1. The creditor ( s ) have not validated the veracity of the records. Obviously, thats why theres a inquiry. 2. The responsibility of this institution is to provide accurate records to third parties. Obviously, theres a gap in that directive. 3. This institution is obligated by law to investigate, require proof from the creditor, that validates their record. There are gross disparities in this system. Not to mention discriminatory practices based on race, sex, and economic status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been exchanging letters with XXXX and enhances recovery company for about a year now. The last document they sent me was document signed by XXXX XXXX and a XXXX worker for a new service. My concern is how can you charge me when I did not sign any documentation or receive a XXXX  phone. This is fraudulent and the charge was from XXXX but showed up on my credit report in XX/XX/XXXX. Please resolve this and remove ASAP as I do not owe them {$630.00} for an account I did not use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
State: NY
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:
incorrect and fraudulent information reporting on my credit report

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 2018-12-28
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have contacted Navient on three different occasions this year ( not including my initial application ) regarding my current IBR loan payment that is causing serious financial burden. I have uploaded my income information and submitted the form requested each time only to again be told they still need my form or my income information again. 

XX/XX/2018 has been a very difficult year financially as I had major XXXX for XXXX and have been struggling to pay the medical bills that came with XXXX and at the same time pay other medical bills due to other XXXX XXXX issues. I supplied Navient with proof of loss of income for the almost 2 months and they ignored it and forced me into a forbearance rather than a financial deferment that I actually requested. To add insult the injury my loan jumped {$11000.00} plus in just one month prior to my IBR being renewed. 

The calculations that they claim are correct are not consistent with their own website when I use their online calculator to figure out what the loan would be I got different totals. The loan since this summer has been growing exponentially. Currently, there is a $ XXXX  monthly payment due that I can not pay due to the aforementioned, and I have again called and submitted additional income information, but I'm concerned that their games will negatively effect my credit in the interim. My monthly payment has never been this high in the over 10 plus years I've had the loan and with my income so low it doesn't make any sense that it should be this high.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company did not give me time to responds to their response on complaint number XXXX before they closed the complaint because they know that they are lying. The company state account XXXX was identified, and the account was validated and sent documents from investigation for provider on XXXX and consumer sent correspondence that was received on XXXX account will not be removed from reporting. I would like to know who was identified and who receive the corresponding letter, I am asking this company to provide signature proof that this account belongs to me, and now they lying saying it was identified on XX/XX/2020, and which I never receive any response from this company, the hospital they put, I called they said they don't know anything about that. I need signature proof. Don't come lie and act like you guys contacted me and it was identify as me please send me the signature of the person who identified this, or my next step is suing this company since they can not provide any proof. I never went to that hospital and for as long as I can remember I always have insurance. And That make me mad cause they are lying. And as a XXXX I would not have disputed an items many times if it was mine, I seriously don't like liars. Cause I for XXXX not XXXX. I spent many years not checking my credit and not knowing what has been going on. Now I'm checking everyday. Amerifinancial just want to ruin me, and I like to know why please, cause no one in the right mind will dispute a debts as many time I did if it belongs to them. This debt not mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: WELLS FARGO & COMPANY
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:
Statement closing date and due date rolling 3 to 5 days in either direction every few months, but generally a due date on the XXXX, except this month, it was the XXXX. Invoked a {$39.00} junk fee. Nefarious business practice is designed to trip up payment sequence. Evidence : I have 2 accounts, one on auto pay, date never changes, second account, no auto pay, they slide the due date around. You ought to look into this.

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 2021-05-04
Company: EQUIFAX, INC.
State: SC
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:
XX/XX/2021 I have disputed a few items on my report as errors and asked the major XXXX credit bureaus to take a look into the matter and correct their error. XXXX XXXX Equifax and XXXX. None of which these companies corrected their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 
XXXX {$760.00} XXXX {$400.00} XXXX {$2500.00} XXXX {$2700.00}

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 explanation
Consumer complaint received 2018-12-12
Company: Experian Information Solutions Inc.
State: AL
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 Account Number XXXX. This is not my account as I have never had an account with XXXX and I have informed all parties reporting this.

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 2021-03-25
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Approximately three months ago, I noticed Plusfour Collections on my credit report. XXXX XXXX was the original creditor. 

I called Plus Four to dispute the debt. I have XXXX XXXXXX/XX/XXXXXXXX XXXX. My insurance company will pay the bill. 

I called XXXX XXXX. They told me they were using a different third party billing company. After escalating my complaint, I learned this was for an XXXX on my XXXX on XX/XX/20. 

I called XXXX XXXXXX/XX/XXXX and asked why they did not pay the bill? XXXX XXXX never submitted a claim to them or a bill to me! How then can they send me to collections. 

I filed a grievance with XXXX XXXXXX/XX/XXXX, and learned there are many people like me. 

My dispute with the credit bureau was " verified '', and remains on my credit report. 

I called Plus Four and was told if XXXX XXXX sends them a letter stating my account was referred in the error, they will remove it. XXXX XXXX has not addressed my issue. Meanwhile, my insurance premiums increased, and I am being denied credit for a recent collection! 

I also filed a complaint withXX/XX/XXXXXXXX XXXX. They are trying to advocate for me, but advised they are not a regulatory entity, and can't make them do anything. 

Please help me!

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 2018-12-29
Company: CHECK INTO CASH INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or misleading advertising or marketing

Complaint:
Phone call said a rebate available if I reloan with them. First was told {$10.00} by manager then when arrived told {$20.00} by another. When I call day before due was told {$45.00}. I CONFIRMED THAT a second time with the clerk. I assumed mistake made. I called next day BEFORE I left home and was told {$45.00}. I had a ton of paperwork to sign too ; then was given {$20.00}. I protested. Manager callEd her boss. I heard her LIE and said I wanted {$50.00}! She would NOT give me my paperwork back either. I will SWEAR in a court of law and take lie detector test. I was told {$45.00} three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: General Motors Financial Company, Inc.
State: NY
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:
I have been sending my payments in on time, sometimes they come back as returned, i have setup autopay sometimes they discontinue it because of system errors, i have called in to make payments and they were never processed properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: FCI Lender Services Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
CFPB # XXXX XX/XX/XXXX Consumer complaint narrative Lender and servicer are in violations of the CA HBOR. They acknowledged that they received a complete modification package from us. After a day, they decided to deny us for the loan modification. They never fully reviewed the loan mod package and never suggested and discussed with us the alternative options to prevent foreclosure. They made clear their decision to deny us for the loan mod is final and subject to no further appeal. They never stopped the foreclosure sale date while we are seeking for the approval of the loan modification option. Thank you. 

Company has responded to the consumer and the CFPB .... 
XXXX Hello CFPB, Above was the complaint I submitted last yea against FCI Lender Services and the lender. Specifically, the reasons they denied us of our loan modification application last year were " due to our income and multiple properties. '' and that their decision was " final and without further appeal. '' The fact of the matter is we have only one additional property ( our original home ). And, regarding my income, I was on medical leave mostly during the months of XXXX and never got paid with XXXX XXXX XXXX until end of XX/XX/XXXX. 

Anyway, after I wrote the above complaint to CFPB, I remember receiving a letter from FCI Loss Mitigation department that the denial was actually due to the fact that the loan modification package was submitted less than 37 days before the sale date and the first denial letter by the lender was only a courtesy. 

By the way, upon receiving the first denial of the loan modification package, I filed my first bankruptcy to save our home from foreclosure ... There have many many issues in the bankruptcy courts until the present times. 

However, on XX/XX/XXXX, we submitted another loan modification package to FCI Lender Services. After a week, we again received a denial letter stating that " our lender is unable to offer a Loss Mitigation Assistance Program because the loan modification request was received 37 days or less prior to the scheduled foreclosure sale date of XX/XX/XXXX. '' My question is, which one takes precedence ; the CFPB rules or the XXXX California Homeowner Bill of Rights stating that loan modification should be reviewed upon receipt of the package even at the day of the foreclosure sale? 

Please, advise. 

Thank you, California Veteran

Company response to consumer: Closed with explanation