BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-24
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XX/XX/XXXX, I submitted an application into XXXX XXXX to enroll in the IBR program. A few days later, I was notified that I needed to submit my paystubs as income documentation. I did receive a response. 
One XX/XX/XXXX, I resubmitted a brand new application into XXXX for the IBR program via fax along with my pay stubs. One month later, on XX/XX/XXXX, I received an email from XXXX XXXX   that they've " received your request for an Income-Driven Repayment ( IDR ) plan. Unfortunately, we are unable to process your application at this time because your request was not complete. You didn't provide complete income documentation. '' A few months later, due to very arduous life circumstances, I was not able to give my full attention to my XXXX account and was not discerning of XXXXXXXX XXXX   recommendations. I simply assumed they had my best interest. I called XXXX  XXXX  and they persuaded me to apply for the forbearance program. Naively, I complied and was approved. When my forbearance ended, I accrued a number of late payments and was never informed by XXXX that I could receive forbearance again. I was approved for a second forbearance and then unknowingly accrued a few more months of late payments. 
None of this would have occurred had I been on the IBR/IDR plan to begin with, but XXXX was negligent in processing my application. Today, XX/XX/XXXX, I called to inquiry about my application. They said that they got my pay stubs but never my application. The email XXXX sent me on XX/XX/XXXX stated that they received my application but could not process it because they didn't receive my pay stubs which is completely contrary to what they have on record today. They claimed they MAILED me a denial letter and even another application which I never received. Nevertheless, they lost my application twice. The years I was steered into forbearance, accrued more debt due to interest capitalization, and late payments, I should have been on the IDR program. XXXX  XXXX   apparently lost my application TWICE and then was able to take advantage of me at the most vulnerable time of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
It took me 4 months to apply for an AE credit card, and I am glad I got him. But I used it for 10 days, and the customer service cancelled the credit card because of a failed payment. I immediately called to explain the reason. The payment failed because my XXXX bank was closed. And I immediately changed another bank account to pay the money, and now I dont owe any money, and the credit card customer service at the time said in person that as long as I paid the money, she could help me reopen the credit card. I can continue to use it, but I didnt expect it to be closed the next day. I called in and asked. They only told me to re-apply, but my re-application was rejected. I only used it for 10 days and paid the {$150.00} annual credit card fee. I was very angry and felt that it was unfair to me, and the credit card customer service personally said that I can continue to use it! But it did not materialize. Need to be able to get help from your company again! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Lloyd & McDaniel, PLC
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received a notice that XXXX XXXX XXXX received a default judgment against me through attorney XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, KY XXXX Phones : Business ( Fax ) : XXXX Business ( Phone ) : XXXX Case # XXXX-XXXX-XXXX-XXXX  I received a notice for interrogatories for XX/XX/XXXX. I have never received any correspondence from this attorney nor was I served for this judgment. The judgment lists an address of XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX. I have never resided at that address. My ex husband lived at that address but moved out of town in XX/XX/XXXX. I have lived at my current residence since XXXX. 

I never received the required notice that an attorney was handling this debt as required by the FDCPA and was not properly served for the judgment. This attorneys practices are unlawful and unethical to represent to the court that this was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
A fraudulent check, wich I didn't know it was at the time, was deposited into my account and caused a negative into my account now because of this I no longer can not do business with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: UT
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:
Chexsystems report is showing a paid in full item from XXXX as a negative item. I called USBank and they do not show they had ever reported the item.

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 2020-11-20
Company: Credit Plus Inc
State: IN
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 45days now and I have not received any investigation results. 

Today XX/XX/2020 make it 60days now that I filed a dispute in regards to the incorrect items on my credit report and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
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 am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lost of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, then informed me of my options in handling my situation.

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 2018-06-27
Company: Phoenix Financial Services LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Phoenix Financial Services has placed 2 collections on my credit report that I do not own. Sometimes last year I disputed this same debt with XXXX and the collection was removed. I also contacted the original creditor who reported to me to file a complaint as well as dispute with the credit bureaus. I have also been informed that this company refuses to practice according to the FDCRA and properly validate collections that they are placing on consumer credit reports. 

These accounts are continued to report on my credit reports and they have not been validated according to the FDCRA, which is a direct violation of the FDCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
My first dispute letter was sent XX/XX/2018. My second dispute letter was sent XX/XX/2018. My third dispute letter was sent XX/XX/2018. My fourth dispute letter was sent XX/XX/2018. 

XXXX continues to report unverified accounts and have not provided this consumer with a copy of the original creditors documentation or contract bearing my signature. 

XXXX has not provided this consumer with the information of Who verified these accounts and HOW these accounts were verified by virtue of documentation containing my signature binding me to these negative accounts. 

XXXX is now in violation of the FCRA and continues to be in noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Diversified Adjustment Service, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting phone calls at least 4 times in the last 40 minutes on XX/XX/2018 from a debt I owe of {$220.00} owed to XXXX XXXX and they asked me to verify my address and I said I wouldn't tell my address untill they tell me what are they calling me around XXXX.and XXXX XXXX They keep changing their phone numbers and the phone number I just gave is the last phone number that called me tonight. I am just getting sick of them calling me around this XXXX XXXX to XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The creditor XXXX XXXX I ask them to remove this from my credit report because in the State of Georgia the status of limitations is six years and the creditor can not collect on a debt.Plus my balance was {$110.00} and it goes to {$200.00}.

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 2018-04-24
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: Investigation took more than 30 days

Complaint:
I have made 17 consecutive on time payments of {$4500.00} to XXXX XXXX XXXX ( Acct # XXXX ) on a 30-year fixed mortgage. However, in XXXX they increased the amount due to make up for an escrow payment for property taxes. I was not aware of the increase and my auto-bill pay sent the same amount. I was notified that I was late in XXXX, but knew I was current. However, I found out I the increase of {$54.00} was the difference in the increased amount that was late. Upon hearing the news I immediately paid the {$54.00} difference, in fact I paid {$190.00}, just to make sure no late fees or accruals would be attached. Then I saw they reported me as 30+ days late on my credit report. I asked them to remove it, but said due the Fair Credit Act, I must request removable by the CFPB and the Agencies. I sent a note to the agencies and to you as well.

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 2021-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hi, On XXXX XX/XX/2020, I deposited XXXX $ On ATM at Bank Of America XXXX XXXX XXXX XXXX XXXX CA XXXX. The atm took my money and sent out a paper that said we are sorry and we cant continue the process also we cant return the money! So, nothing showed in my account and money got disappeared in the machine, now is 4 months and nobody is responsible for the missing cash that I deposit.

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 2018-06-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient offers a .5 % discount per each loan that is scheduled for auto repayment. I recently realized that my discount was " disqualified '' so I called Navient to determine the reason why they were not applying that discount to my accounts. I must note ( prior to discussing call with company ) that per their website, under " Loan / Borrower Benefits '' the option is direct pay and their is an information button next to it which includes the following information " while in active repayment '' ( 1 ) I am currently in active repayment " you receive a .5 % interest rate discount for making payments via Auto Pay '' ( 2 ) I  am making payments via Auto Pay. So I was perplexed to see that the status of the discount was " disqualified. '' So on the phone with Navient I spoke with XXXX ( spelling?? ) and inquired about the disqualification. I informed her that I was in active repayment and enrolled in auto pay. Which she confirmed that my next automatic payment was XX/XX/XXXX. She stopped talking as if that was the end of the conversation and the answer to my question. So I reconfirmed with her and said so you have confirmed that I am in active repayment and on auto pay, then why is the status of my .5 % interest rate discount " disqualified '' with that question she confirmed the reason I am disqualified is due to insufficient funds. So I asked her when funds were insufficient and she confirmed XX/XX/XXXX. So couple problems here. No where in the documentation available online or the information lists that it is possible to be disqualified from the interest rate discount ( but as mentioned above completely opposite - 2 sets of criteria are required. Active repayment and enrolled in auto pay ). Second problem is that the insufficient date she mentioned is over 1 year ago, and that there is no specific time frame to allow me to be qualified for the interest rate discount. I find this very predatory. They should indicate in writing that there are penalties that would " disqualify '' from the interest rate discount. I find this unnerving that my {$33000.00} dollars of loans with them are disqualified from an interest rate discount because I had the unfortunate incident of insufficient funds over a year ago. Please assist in getting this corrected as again I believe this to be predatory and illegitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Account Management Services, Inc.
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:
This was from a Doctor in California. I provided all of the necessary insurance information as well as XXXX XXXX Account ( XXXX ) information for them to take care of any bills that may be mine. To my knowledge I did not have a balance. I was never contacted by the Doctors Office or informed i could dispute. 

Now it has popped up on my credit report and I have been receiving an overwhelming amount of harassing phone calls in an attempt to collect on a debt that is not valid/ was created out of negligence from the doctors office. The phone calls need to stop and this debt needs to be removed from my account immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Nelnet, Inc.
State: NC
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:
For years I have been trying to get NELNET to apply additional payments. Recently I resorted to sending the additional payment in seperately and denoting on the check that the payment is to go towards the principal. They continue to refuse to post the payment towards the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Revolut Technologies Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Revolut has prevented me from transferring more than a limited amount of funds from my account back to the XXXX bank account I've used to fund this account in the first place. More than a month ago Revolut asked me for documents to help prove the source of my funds, which I promptly provided, including my employer pay stubs. They have yet to review these documents weeks later, yet have placed a silent ( undisclosed ) hold on my account.

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 2018-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased a home for $ XXXX in XXXX. I put down a considerable amount leaving me a mortgage balance of $ XXXX. I am on XXXX retirement from the USPS. 
In XXXX-XXXX, I began to contact B of A to see if I could have a loan modification as my wife lost her job, her mother, who lived with us after my daughter was born in XXXX, had passed away. From this time till XXXX, B of A gave me the runaround! I had several employees who were my workout representative and after a new employee was assigned it seems that I had to re-fax in my paperwork and Hardship Letter all over again. I kept notes with dates, whom I spoke with etc.. 
I was actually told that they could not do anything because I hadn't missed a payment yet! 
So now payments were missed in XXXX continuing into XXXX. We had to turn in my wifes ' vehicle, sell furniture and other items just in an attempt to make ends meet. 
I received " foreclosure notices, '' and eventually had to file a Chapter XXXX, in XX/XX/XXXX, because we couldn't meet all the bills and the mortgage. 
Obviously, our credit was shot and FINALLY, B of A approved a loan mod for us. However, this loan mod was not the best by no stretch of the imagination! The interest rates at that time, in XX/XX/XXXX, were very low hovering around 3 %!! My balance at the time this all began was {$220000.00} at 5.875 %. So, in their infinite wisdom gave me a loan mod at 4.625 %, with a hefty balance of {$230000.00} ( adding in missed payments ) and the new term is 40 years!! Are you kidding me??!! 
Presently, I am making payments but there will be a time in the very near future where I may be  unable to meet my payments again. 
I would like to see an adjusted balance or some hefty compensation for B of A dragging their feet, actually informing me to miss payments and then forcing us into a Chapter XXXX. I hope something positive comes of this. 
I have my detailed notes, even some telephone recordings, as I am allowed to do in AZ. They made our lives very stressful to say the least.

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 2018-04-24
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNT WITH XXXX XXXX AND XXXX APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2018 for the second time I sent certified mail and requested that any addresses that didn't reflect my current address on my credit report be removed Transunion with a notarized letter. Since then they responded back with the addresses still showing.

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 2018-12-11
Company: CIRN, INC.
State: OR
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:
Was told about two debts this company just received. I disputed the debt and asked to see proof of the debt. They did not send proof of the debt, instead they sued me in small claims court. After being served by the sheriff I received a letter listing the two debts. I sent a certified letter back disputing the debts. Now I just found out they won a judgement against me without going to court.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: COMMERCIAL SERVICES GROUP, INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX 's was my employer from XX/XX/XXXX until XX/XX/XXXX and during that time I used bereavement time that was given to me and approved by my supervisor. I had called to talk with payroll about my bonus that I was awarded and the woman I spoke with had decided that I had used too much time for her liking and sent me a bill for {$1300.00} which I have no idea how she came to that number. As I said my time off was approved by my supervisor therefore this debt is not valid. Can you please contact me with details on how to move forward. 

It is now at collections Commercial Services Group XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX ( XXXX ) XXXX Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation