BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-17
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have had my loans in deferment for some time and then was scheduled to start making payments. I was making payments as much as I could but could not keep up with the payments for my XXXX degree when they were as much as my mortgage payment. 

I informed Navient that I was going back to school for the XXXX XXXX and they said I could defer the payments if my classes started before XX/XX/2018. I cant control when the classes start and it was conveniently too late to defer payments when the classes actually started. Navient offered to lower payments but would only do it if I provided my bank/credit card information to them so they could automatically withdraw payments. After learning of their lawsuit I was not comfortable with doing this. Now they have my loans in my credit report as a charge off and on a monthly basis report it as a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As of XX/XX/2019 : Portfolio Recovery Associates, LLC continues to refuse to provide me proof of signature, proving that I have a line of credit with their company. I do not and they do not have proof of signature of any contract of a line of credit with them. Furthermore, the two companies they are claiming they have bought debt and that I owe them money, XXXX XXXX and XXXX XXXX, Both companies, XXXX XXXX and XXXX XXXX also do not have proof of a signed contract between me and them. NO ONE has proof of a phone call/application being made, video surveillance of an application being made, proof of my legal signature. They don't even have my legal name, the way I apply for and sign all documents : XXXX XXXX XXXX. 

I have been going round-and-round with Portfolio, XXXX, XXXX, XXXX XXXX, XXXX and XXXX for over a year while fighting XXXX. I do not own these accounts. I never opened these accounts. Under the law, I have the right to sue for {$1000.00} for defamation of character for each offense. That is indeed my next step if ALL COMPANIES do not immediately remove these accounts from ALL credit reports and send me a letter of apology, removal and a check for {$1000.00} per report. FCRA 623 and FCRA 609 I am grouping all of this together. I want XXXX removed. I want XXXX removed. I want all Portfolio Accounts removed. FROM ALL CREDIT REPORTS. I willing to now follow through with law suit and my request for financial payment if they simply close and REMOVE all accounts IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: PNC Bank N.A.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
i was trying to connect my PNC banking account to my XXXX XXXX XXXX, and it would not connect due to changes that PNC have made that hinder the interaction of the two companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: NATIONWIDE ACCEPTANCE LLC
State: MO
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:
XXXX/XXXX/2015, my vehicle was charged off, after being unable to pay for the vehicle. the vehicle was added to my credit report, however he account was never closed. I have contacted the Nationwide Cassel LLC Account # XXXX, with ending amount of {$9600.00}. I contacted the company and offered to pay 35 % of the amount owed. ( {$9600.00} ).  Nationwide Cassel LLC XXXX Nationwide counter stating they would settle for {$10000.00} Nationwide increased the amount after knowing that I was in the process of buying a resident.

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 2018-03-22
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have been ongoing notifing XXXX XXXX XXXX since XX/XX/2017 of misconduct and mishandling of my XXXX credit card account to date. The random responses from Bank continue to be inappropriate to my clear and direct questions to date. 
Since it appears no one is available with the bank to assist me with my ongoing dispute balance AND mis- handling if my account, I am requesting that XXXX XXXX XXXX : 1 send me a copy of XXXX AND BANK agreement policy and step by step procedures on handling items returned thru XXXX , when And how credits are put back to Consumer accounts and when is bank notified by XXXX if returns. 

2. I am requesting that the bank send me XXXX and Banks agreement policy and step by step procedures for handling a consumer 's complaint, when consumer reports abuse and misconduct with XXXX credit card. This policy and procedures needs to include consumers timeline to report their issues when found, who works on compliants at bank and what is the wait time to hear from bank ( 30/60 days ....? ) This information will help me clearly understand the working relationship and agreements between XXXX and XXXX credit card XXXX XXXX XXXX. Hopefully this information will also give me some understanding as to where there could have been a disconnect with the charging of items and handling of my credit card, from my actual purchases through XXXX : per advertised prices of items and support services to consumers with purchases. 
* Bank response back needs to clearly report what complaint department handles this type of complaint from XXXX card consumers. I am seeking to understand who has been working on my complaint to date, as I have not heard back from them directly with any type of resolution with me acct. 

please send all information through the Consumer Finance website only. 


***I am not getting my answers from the bank about my account and the things that's going on with it, I also have not been getting items purchased as advertised through XXXX XXXX XXXX XXXX. I am trying to resolve where the disconnect has been ongoing taking place with my XXXX credit card and advertising practices for XXXX as the two businesses partner to provide consumers with services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a copy of my credit report and I noticed these fraudulent hard inquiries, please remove them from my credit report, these hard inquiries are fraudulent. XXXX XXXX XX/XX/XXXX CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2019-04-17
Company: Experian Information Solutions Inc.
State: MI
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:
PER REPORT XX/XX/2019, XXXX I have continued to report this to the CFPB and nothing happens. XXXX  and Experian continue to report XXXX XXXX accounts on my reports even though I have provided documentation from the courts showing they are to be removed IMMEDIATELY with signature by the honorable judge. It is like these accounts never existed and they are not allowed to be on the report. XXXX   removed them with zero issue. 

Furthermore, I continue to get the attached letters from XXXX XXXX that they need more information. More proof they don't even have anything on file that proves these are my accounts. FCRA 609/623 states they must remove them. Copies of bills do not constitute as proof. Zero video, zero phone call, zero proof of signature. No request of WHO, WHAT, WHERE and WHEN were these accounts verified and accurate with! 

Going back to the legal documents signed by a judge -- they have to be removed -- PERIOD

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 2018-03-22
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have been dealing with what is now Navient for years in regards of repaying my student loan bill. I've had circumstances that caused me to have to use the deferment and forbearance methods, but have been steadily paying when possible when not using these methods. Since the beginning of the new year, I have been constantly receiving calls from different states and toll-free numbers, of which I haven't ever received before. My student loan is the only debt I have. Through some research, which consists of looking up the phone numbers calling me, I've found out all the numbers are in regards of collecting money, in association with Navient, my student loan company. The one time I picked up, wondering why these people from other states were calling me, they were rude and unprofessional. I even took notes on what was said and the rude manner in which I dealt with. I do not understand why harassment is a supported method in which to obtain debt, of which I am on deferment so I should not be receiving -any- calls whatsoever until at least my deferment ends, which is many months away. Today, I received a call at my workplace regarding this personal issue and I was not even present to pick up the phone, but my coworker was and took a message for me. It was Navient calling my work to try and collect on a student loan that is still in deferment. In no way is this acceptable or even a decent collection method, as now my workplace knows of my debt. It is unprofessional to call a workplace of someone to try and collect, let alone divulge personal information to others within the workplace. I am filing this complaint against Navient because in no way is calling my workplace an acceptable practice, let alone divulging my information to everyone I work with. The FDCPA prohibits calling ones job to collect a debt, yet it occured today by Navient. Also, part of my complaint is because I am being harassed to pay on a student loan that is still very much in deferment. This whole issue is absurd and should not be as drawn out of proportion as it currently is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: South Mississippi Collection Services Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Reference my CFPB complaint, ID # XXXX, to South Mississippi Collection Service ( SMCS ), submitted on XX/XX/XXXX ; and SMCS ' response on XX/XX/XXXX. A Medical Debt Collection Account has been posted on my Credit Reports by SMCS on XX/XX/XXXX. This Collection Account has a reported opening date of XX/XX/XXXX, in the amount of {$64.00}, original amount of {$46.00}. I am a XXXX U.S. Citizen and receive some limited State and Federal Medical Insurance Benefits. Apparently, the remaining balance, in the amount of {$46.00}, was not paid to the original Creditor ( XXXX XXXX  XXXX ) by my medical insurance ; A {$18.00} collection fee was later added by SMCS for a total of {$64.00}. Because of my XXXX Benefit fixed low income, the XXXX XXXX XXXX   XXXX setup a payment plan with me for any unpaid insurance medical charges. This payment plan was setup prior to XX/XX/XXXX ; but the XXXX XXXX XXXX   XXXX apparently still sent the unpaid balance to collection. The Fair Debt Collection Practices Act ( FDCPA ) requires that within 30 days of debt assignment, SMCS must notify me in writing, not phone calls, of this Collection Debt. I am AGAIN stating that I DID NOT receive any lawful WRITTEN DEBT NOTIFICATION from SMCS. I would have happily arranged payment if properly notified prior to reporting it to the Credit Reporting Bureaus. I submit to XXXX   that Collection Agencies need to STOP the practice of just reporting to Credit Reporting Bureaus under the guise that they gave a person lawful DEBT NOTIFICATION. A person 's Credit Report is nothing to PLAY with. The information on Credit Reports greatly influence a person 's livelihood ( ie., Mortgages, Rent, Loans, and even Insurance and Utilities ). I challenge SMCS to provide proof that I PERSONALLY received lawful WRITTEN DEBT NOTIFICATION, NOT PHONE CALLS, from them.. I receive all my other mail at my indicated home address. I have no problem with paying this Medical Debt, but I will seek lawful action if the the Collection Account is not IMMEDIATELY removed from my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Ascension Point Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
In the early afternoon of XX/XX/2018, a company by the name of Ascension Point Recovery Services called my brother. During said phone conversation, the representative from Ascension Point ( XXXX XXXX ) told my brother I was dead  and that I had named him as the executor in my will. She tried multiple times to get my brother to " confirm '' my date of birth and the last four of my social security number so she could help him " settle my estate ''. Despite her persistence, he would not give her any information. My brother began asking her questions ; he asked about her business with me, questioned when I supposedly " died '', what he " supposed '' to pay and how much, ALL of which she refused to answer. Fearing that this company was phishing for information, he informed her that I was not dead, but very much alive and lived 8 miles down the road and he would be calling me immediately after their conversation was finished. She, XXXX, left her name, company, phone number and extension so he could call her back to " settle the estate ''. After he called and told me about the conversation, I put the company name into XXXX. I found out that this company offers debt collection services as well as estate settlements.

There is so much ethically wrong with this. I am not dead, I have not named my brother as executor on anything, and I certainly do not have an " estate to settle ''. To call family members and suggest their family member has passed away is crossing that ethical line. Had they called my XXXX year old mother, this could be a whole different situation. THIS COMPANY NEEDS TO BE STOPPED!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
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:
XXXX XXXX has been reporting an unverified account to two of my consumer credit reports XXXX and Equifax. I have requested that he information being reported is investigated properly with no avail except for a response of " verified ''. I have specifically asked in several documented and tracked letters for both companies to provide me with the avenues taken that gives them the legally right to report this account to my credit report and have yet to receive an appropriate answer. I have never received notification from said company verbally or written. I have also advised both companies that the electronic system used to supposedly verify items is not sufficient enough as anyone especially a third party paying for their service could easily fax, mail, or email over fraudulent information. It is my right according to the FCRA to have this properly and completely verified and my request to be taken seriously as it is my credit reputation and tarnishing of my good name that is at stake. Not to mention both companies as taken over the thirty days in which to respond to said disputes primarily their method of verification which only gives them 15 days to comply/respond to request. On these grounds alone I am requesting that this account be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: The Receivable Management Services LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
RECEIVABLES MANAGEMENT Damaged me credit reports and added an account doesn't belong to me on XX/XX/XXXX of 2017 for {$770.00}. 

I tried to get hold of them and they threat me they will damage my score more if I don't pay them something I'm not aware of it. 

Please help me to remove this account and make them stop threatening to damage my credit. 
Thanks

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 2019-04-17
Company: CAINE & WEINER COMPANY, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This Company is reporting a debt for {$450.00} on my credit report. 
On XX/XX/2019 i sent USPS certified Debt Validation Letter ( see the letter attached ). 
Shortly after On XX/XX/XXXX they responded to my Debt Validation Letter with nothing that qualifies as Debt Validation Under FCRA and FDCPA. 
on XX/XX/2019 i have sent my second usps certified letter requesting them to remove this debt from my credit report as they failed to validate this. 
As of this date this is still being reported with credit bureaus in violation of FCRA and FDCPA. 

Please see all mentioned letters/paperwork including usps receipts regarding this matter attached

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: ENCORE CAPITAL GROUP INC.
State: IL
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: Information belongs to someone else

Complaint:
The following accounts were opened using my credit profile that I filed for identity theft due to : XXXX XXXX XXXX XXXX - {$410.00} XXXX XXXX - {$12000.00} XXXX XXXX XXXX - {$710.00} XXXX XXXX - {$1600.00} XXXX XXXX XXXX XXXX - {$180.00} XXXX XXXX XXXX - {$240.00} Midland Funding LLC - {$710.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a copy of my credit report and I noticed this account XXXX/XXXX XXXX is open and with a balance of XXXX this information is inaccurate. This account is now closed and the balance is XXXX, please update this information in 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 2017-11-30
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been in a constant battle with Navient-Private loan for years. Ive been paying on my loans for years and havent seen my principle Balance go down. They cant send me promissory notes of the loans I have with them. Interest rates are ridiculous and customer service XXXX. Theres something that has to be done. Theyre getting over on people. There are some people that do try to pay back their student loans based off income and Navient doesnt negotiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
in XX/XX/XXXX I was going to court reporting school and in a bad relationship, before graduating I suffered from XXXX  and XXXX XXXX XXXX, XXXX XXXX had a XXXX  stipulation should you become XXXX the loan would be forgiven well in XX/XX/XXXX, my income tax was taken for default, due to XXXX XXXX my daughter and I had to move alot, and I'm still fighting this and I need my my tax refund

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: CITIBANK, N.A.
State: TX
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:
I received another inquiry on my credit report that was not authorized. I am a victim of identity theft. I have a police report number for a report filed with the XXXX Police Department which is : XXXX This inquiry was not authorized by me. 

I have attached letters from other creditors showing their investigation results.

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 2019-04-17
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsoursing is trying to collect a debt ( {$1100.00} ) that is not mine. 
On XX/XX/2019 i sent certified usps letter to Convergent Outsoursing requesting to Validate the debt, pursuant to FDCPA ,15 USC 1692g Sec.809 ( b ). 
Convergent responded to my request with a letter dated XX/XX/2019, stating that debt is valid and the only evidence sent with that is a bill/statement from XXXX XXXX that has my name and completely unknown address to me. 
They are also reporting this debt to Credit Bureaus. 

This is no way can be sufficient Debt Validation under FDCPA/FCRA, and is a clear violation of FDCPA/FCRA. 

Please see the attached copy Debt Validitaion Request Letter along with Usps Certified reciept and there response letter

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