BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-02
Company: Navient Solutions, LLC.
State: MO
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:
I have attempted for years to have this student loan deferred and forbearance. As of last year I requested forgiveness because of the age of the loan. I am unable to go back to college to earn a degree to increase my living expenses. The school I was attending when I applied for the student loan was not an accredited institution.

Colleges that I have applied for are requiring proof of enrollment from the fraudulent institution. 
I am now almost XXXX XXXX XXXX with XXXX XXXX struggling to make enough money for health care and prescriptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: Westlake Services, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
The loan has been paid off, i only have a couple of fees to pay off and now they've added an extra fee of {$290.00} which no one wants to give me an explanation for nor remove from my account. 

Ive made the following attempts : XX/XX/2019 spoke with XXXX XXXX : stated that she would send account to a different department that handles, and they will contact me, no one has contacted me nor was this resolved. 
XX/XX/2019 spoke with XXXX XXXX : stated that my account would be sent to the department which will review the account and soon contact me, no one contacted me - nothing has been resolved. 
XX/XX/2019 spoke with XXXX ; I requested a Supervisor. I spoke to Supervisor XXXX and she did call me back a week later to state the same thing, that someone will review the account & contact me but still no resolution. 
XX/XX/2109 - emailed the following 4 Westlake Executives : XXXX ' ; XXXX ' ; ' XXXX ' ; XXXX ' I have submitted an explanation of all the payments made, XXXX spreadsheet with all the payments of the auto payoff completed, statements for XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 & 2 statements for XX/XX/2019. No one gives me any explanation where this fee came from. I have forwarded another email to on XX/XX/2019 to get a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-31
Company: ACIMA CREDIT, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX is not licensed with the State of Tennessee Department of Commerce and Insurance to collect on alleged debts in the state of my residence, Tennessee. I have attached proof of this as of XXXX XXXX, 2017 from the official website, tn.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX continues to keep XXXX XXXX XXXX accounts on report. this is there reason : The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the detail. 
Was a 1099c sent, if it was a charge off/ if they sold it to who? and when? why is this is not listed somewhere? 

Requested they provide the information used to certify the accuracy of the report. 
As XXXX has removed XXXX XXXX, I have personally called XXXX XXXX they stated they transferred the account to XXXX in XXXX then how were there XX/XX/XXXX late payments in XXXX? I called XXXX they have no record of me on any account, I called XXXXXXXX XXXX my name is listed as a reference only. please remove.

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 2023-11-27
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I submitted a credit card payment Synchrony bank stated that my payment bounced and there was insufficient funds in my bank account so I resubmitted my payment and it went through that time on XXXX XXXX on XXXX XXXX. I got a notification from a third-party that they closed my account and they failed to notify me until XX/XX/XXXX, I have been trying to contact them to get information I have never once missed a payment and have always paid my payments early and have been a loyal customer. They stated they closed my account out because. Of that payment being bounced synchrony bank keeps hanging up on me there customer service doesnt know what to do. They cant get into my account. They cant give me any information. Their collections department cant get into my account either and cant give me any information I requested. all they keep saying to me is please make a payment and thats it. They are reporting it to the credit bureaus as a negative account now and this has affected me majorly and dropped my score XXXX points personally an emotionally affected me and affected me buying a home

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 2018-12-07
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I would like to report the actions of the Credit Reporting Bureaus and XXXX XXXX  for XXXX XXXX ( credit card # XXXX ) to this forum for investigation into the matter of their illegal reporting and re-aging of an account on my credit report that should have been removed by now and is appearing past the statue of limitation while containing illegal information which is damaging my credit score. The account has had absolutely no activity and has been closed off for over 7 years and yet it was updated as active, delinquent and every piece of damaging information was renewed, re-reported and re-aged dropping my credit report dangerously low ( FCRA 605-15 U.S.C. 1681c ). This is unlawful and the credit reporting bureaus have absolutely no right to allow this reporting to continue on my credit reports based on FCRA law which protects consumers when it comes to handling negative information ( FCRA 623, 15 U.S.C 1681s-2 ). I have taken this case up with XXXX XXXX  of they tried to convince me that once a payment was made the account would fall off and not report against me, I realized that that was inaccurate and that they already had sent me to collections and were attempting to collect on the same debt twice. This is also illegal on them because XXXX XXXX   can not request payment on a closed account past statue. I will be pursuing legal action against them and I will include the credit reporting bureaus in the suit of they do not delete the account in question. I found out what they were doing and stopped payment on my check immediately. 

I have attempted to negotiate with both XXXX XXXX  and The Credit Reporting Bureaus via mail, phone and online but I am constantly given generic and meaningless responses and I am tired of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I tried calling, but everybody 's a robot that keeps redundantly asking the same questions and getting me to no agent, then hangs up in my face. 

There's a delay and I certainly do not need this. 
Today opening my email, I discovered some weird message, ( although Experian offers to see your credit score for free ) that I do not have a credit score or a score that is missing some points in the up direction.

I have screenshot my score on prior occasions, have 3 accounts, one paid off, that I paid off, a huge big payoff that I paid that one, that auto account closed now as satisfactory and my Mortgage in which I still pay as well as a credit card. I have enough credit to establish a score and a good one at that and my Lenders report to Experian.

If the credit score is offered for free on Experian, then I should see it from this point on as I have in the past. This certainly would not help trying to establish any future credit since Experian Vantage is what most lenders look at and also I am certainly not sure why Experian is doing this, need answers and the restoration and resolution. 

There may be typos, excuse and also I have written this email to the best of my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-29
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
In XXXX, around XXXX, XXXX husband and I purchased furniture at a local store in XXXX. The furniture stores has a sign that it finances their furniture. We made a purchase and never filled out an application, instead, the gentleman filled out something upon paying after we purchase the furniture. 

We were told that it got approved {$2000.00}, never told us from where the money was coming from. We assumed they were financing. After a few days, we receive a card from Synchrony bank and we have paid the card, even though right now, my husband 's income as a XXXX veteran and i have not worked due to a fall in a XXXX place, and on treatment, we have paid up to now. 
The problem is that I called the bank due to amount no going down, instead has gone up and never comes down. The bank said that it was due to old interest charged back onto the account, since we did not cancel amount of debt in a promotional time allowed. 
We were not told of any promotional time allowed, we were just told to sell us the furniture, that if we paid it in six months or less, we wouldnt pay any interest within that time, but obviously, we could not, and so we continue paying, but it is outrage, how we pay any amount above and beyond and we get charged late fees, interest upon new totals treated as purchases when they are not and interest on top of interest. This is total abuse. We called the bank on friday XXXX XX/XX/XXXX, and they have denied us any information such as contracts etc, instead, they went ahead and closed a credit card account which I never eceived, and entered my credit without authrization to make excuse reasons for closing, in reprisal for my affirmation that I was going to report them to your Agency. And so, saturday, XXXX, I received a letter from the same bank stating that the credit card from XXXX is now closed, but it will not allowed me into the system, because i never got this card. All I had was a statement about being able to shop and so, it never came to pass.

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 2019-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Capital One Credit Card sends me emails at my email address in which I did not sign up for nor want my information on the internet due to much fraud going on. Accounts ending in XXXX & XXXX should be no more info or statements email with the accounts ending in XXXX XXXX. 
I receive my statements by mail

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I've had this credit card for decades. While traveling overseas last year, Capital One froze my card to request copies of my driver 's license, utility bills, and other documents. I spent three weeks getting that sorted because the XXXX call center didn't understand that I only could supply a utility bill for my home address, not my mailing address. I didn't have use of the card until after I was home a month later. 

Since then, my account has been flagged with the same restriction in XXXX, and again now, both times requesting I submit the exact same documents. No one at the company will explain why this keeps happening and they keep expecting me to upload these same documents via a very insecure portal which does not encrypt the data in transit. 

I don't want to cancel this card because it is my oldest and that will negatively impact my credit rating, but the card has basically been rendered unusable, and the company will not provide any explanation for this poor treatment of a long-standing customer. I work in XXXX XXXX, and there is ABSOLUTELY no reason for this nonsense. This is the opposite of good security ; Capital One is forcing consumers to repeatedly send very personal data and has already shown through data breaches that they are incapable of protecting my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been a victim of check and ATM fraud. Someone is using a fraudulent debit card to commit check and ATM fraud on my checking account. On three different occasions, someone used a debit card with my name ( counterfeit debit card ), deposited the checks into my bank account, and withdrew money from my checking account. The fraud totals to {$3000.00}. The first crime happened on XX/XX/23 @ XXXX XXXX at a SchoolsFirst FCU ATM in XXXX, CA XXXX. Someone deposited a fake check under my name for {$1000.00} and then immediately withdrew money from my account with two separate transactions of {$500.00} each. The second crime happened on XX/XX/23 @ XXXX XXXX  at a SchoolsFirst FCU ATM in XXXX, CA XXXX. Someone deposited a fake check under my name for {$1000.00} and then immediately withdrew money from my account with two separate transactions of {$500.00} each. The third crime happened on XX/XX/23 @ XXXX XXXX at a SchoolsFirst FCU ATM in XXXX, CA XXXX. Someone deposited a fake check under my name for {$1000.00} and then immediately withdrew money from my account with two separate transactions of {$500.00} each. I did not do or authorize all transactions. My debit card has always been with me, and my debit card information nor PIN has been shared with anyone. A fraud claim has been reported and opened with my bank SchoolsFirst Federal Credit Union, requesting a credit of {$3000.00} back to my checking account. The bank has a video of the person committing the crime with the fake debit card ( they have confirmed it is not me in all ATM videos, but a known scammer to SchoolsFirst Federal Credit Union ). The bank also has all the names of the person names ( payers on the checks ) on the fraudulent checks used. I filed a police report with the XXXX XXXX Police Department for Check & ATM fraud, identity theft, and forgery ( case # XXXX ). The bank is still holding me liable for the fraudulent {$3000.00} transactions done without my authorization and knowledge on my checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX violated title 15 USC1681b on XX/XX/2023. XXXX had no permissible purpose to put a collection on my consumer report. XXXX put JEFFERSON CAPITAL SYSTEMS on my consumer report. I have no contract which JEFFERSON CAPITAL SYSTEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Aargon Agency, Inc.
State: IN
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:
Hey, I do not know where this account has come from. The account was opened XX/XX/2015 for an amount of {$71.00}. I have tried to contact the the creditor but there is not an efficient phone number to actually get a hold of someone to talk to about 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 2023-11-27
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX I inquired with Mohela regarding refunding payments made during the payment pause for COVID-19. I received an automated response stating that the request for refunds had been submitted and there was nothing I needed to do. I subsequently called Mohela a few days later and spoke with someone who told me there would be 2 refunds : one for payments made directly to Mohela and the other for payments made to XXXX during the period of XX/XX/XXXX to XX/XX/XXXX. I received the refund from the payments to Mohela on XX/XX/XXXX, but was told that the XXXX refund could take 90 days. After 90 days passed I subsequently called again in Late XXXX/Early XXXX to ask for a status of that refund. I was told they accidentally closed out the refund request and would re-open it. I messaged them again on XX/XX/XXXX and again XX/XX/XXXX with no response. Today I called ( XX/XX/XXXX ) and was told my refund request was cancelled as it passed a date of XX/XX/XXXX. Even though my original message and request was in XXXX I am now being unfairly treated for money that was overpaid during a very hard financial time seeing prices increase for everything. Now I am struggling trying to make ends meet while counting on receiving this refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: SUNTRUST BANKS, INC.
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Suntrust sent me an email on XX/XX/19 recommending ways to mitigate loss. I replied to them multiple times via a phone call to XXXX XXXX, emails to him between twice between XX/XX/XXXX-XX/XX/19. 

I accepted the offer to file a collated mortgage assistance application. 

XXXX and nobody in SunTrust has replied with the application documents, any ways to download the documents, no documents via email or anything. 

SunTrust is trying to take my poetry and assist selling it to some white folks for gentrification. 

I can't get no replies from them. 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 2020-02-12
Company: DISCOVER BANK
State: MD
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:
While enrolled in college, my daughter took out two private loans from a lender to cover personal living expenses ; I am a co-signer on one of those loans. Following graduation in XX/XX/2018, she began a one year assignment as an XXXX XXXX volunteer. The lender would not grant her a deferment for that service, so her repayments were scheduled to begin in XXXX or XX/XX/2018. In late XXXX, we reached an agreement with the lender to begin automated payments ( including catch-up amounts ) in  XX/XX/2018. As she had not found full-time employment ( and still has not ), I agreed to have payments deducted from my checking account. Payments were timely made in XXXX, XXXX, XXXX and XXXX. However, the lender may have misapplied one of the XXXX payments as I began receiving notices of past due amounts on the loan for which I co-signed. After working through this with a representative from the lender 's call center and providing them with bank documentation, I received a letter stating that the payment was reapplied to the correct account. However, the lender is still claiming the account is past due, even though all payments have been made, and are demanding payment for the alleged past due amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-29
Company: Navient Solutions, LLC.
State: AZ
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:
My loans with Navient total XXXX I was able to pay them at first but then they kept raising my payment which put me in a situation were I was always having to ask for a forbearance not knowing that this is the reason why my payments kept going up. I get harassing calls from them about my loans and when I do speak with them about the forbearance they say that they are going to send me information but I never get it. They take mine and my husband state income tax every year if we do get something back from the state which then hinders our household. Please help me

Company response to consumer: Closed with explanation