BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-27
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was told by several officers at fed loan servicing that when I began paying my student loans on XX/XX/XXXX ( under the graduated repayment plan ), that my payments would could towards public service loan forgiveness because my payments were higher than they would be under an income-drive repayment plan, which was the requirement for PSLF. In addition, loan officered ENCOURAGED me to stay on the graduated repayment plan for 5 years, stating that I would qualify for the teacher loan forgiveness program first, and that those 5 years would ALSO count towards public service loan forgiveness. I spoke to several officers and they assured me of these facts. I made payments from XXXX XX/XX/XXXX ( 34 payments ) before someone then told me that I do not qualify for public service loan forgiveness because I was not on the qualifying repayment plan. In addition, they told me that I can not double dip years between the teacher forgiveness program and the public service loan forgiveness. Therefore, I changed my repayment plan to an income based repayment plan and began payments under this qualifying repayment plan on XX/XX/XXXX. 
They are not counting my previous 34 payments towards forgiveness, despite the fact that they provided me this wrong information, and actually encouraged me to remain on this repayment plan saying that I could double dip years for teacher forgiveness and public. I am completely devastated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Experian Information Solutions Inc.
State: WA
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:
This is in regards to a collection account with XXXX XXXX XXXX that is appearing on my credit report. This account is regarding a past due balance I had with XXXX. The past due balance had been settled with XXXX in XXXX XXXX  2017. I was informed by XXXX this account would be rescinded from XXXX XXXX XXXX As a safe measure, I immediately contacted XXXX XXXX XXXX to explain the balance had been settled with XXXX and they assured me the collection account would be removed from my credit report. The account has only been removed from my XXXX credit report, but not Experian or XXXX. I have attempted to dispute this with Experian and XXXX, but I have been unsuccessful in having the collection account removed.

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 2019-05-28
Company: CITIBANK, N.A.
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:
Hi CFPB, I'm at a lost now and hope you can help me find resolution. I've had 4 of my Credit Cards closed by Citibank within the last 30 days, which dropped my credit score by 94 points. They closed it due to inactivity for the past 24 months, which is fair, but no amount of fair warning was provided nor was a non-harmful resolution available by Citi. 

I've had two cards open since XX/XX/XXXX and two cards open since XX/XX/XXXX. All four were extremely helpful to my credit score 's history length section. These cards have not been in use for the past 24+ months, some of them have been sitting idle for the past 5-6 years. 

It is in the Citi 's cardholder agreement that the cards will be cancelled after 24months of inactivity, but this closing was someone at Citi that never did their job and decided to close every credit card all at the same time in this one month. 

Furthermore, the notice they gave me was sent via their website and telling me my account is closed. No fair amount of warning time was provided to actually use the cards and give me a chance at retaining my credit history. The Citi.com website 's message also disappears and deletes itself quite quickly. 

When I chatted with the Web 's customer service help people, they all kept transferring me to the next person and finally told me to call the customer service desk. When I finally did, the agent told me they can submit to reopen each account and each one will require a Hard Pull on my credit report. This will drop my score even further. Citi refuses to help me in any other way and was more than happy to get me off the phone. 

I'm coming to you as a last resort since I'm sure my credit score will never bounce back and will take an additional 5+ years of new clean credit history to build it back up. 

Thank for reading my complain. I apologize in advance if this seems trivial to the major issues other Americans are facing.

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 2018-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have had a Khols card for years now. Always paid on time. My payment was very high so I could not get control of it. They kept raising my limit and I didn't realize it had gotten so high. They did not let me know they raised it. By the time I realized it was so high the payment was out of control. Then my ex husband left the state and stopped paying his child support/alimony and my employment cut my overtime I had for years. I have lost a significant amount of income in XX/XX/XXXX. I called Khols to ask them if I can just pay my past due. They said no and reported me as late even though I was not even a month late yet which impacted my credit score. None of my other credit cards did this but Khols. I thought I had to be 30 days late to be reported. Anyway, the payment jumped to over a hundred dollars in the worst month ever. I lost about 30 percent of my income last month. 
I called all my credit cards and had them closed and I was put into a payment plan where I can pay them off with no interest. I just want to try and keep my credit score intact as I am a single mother and need my score to rent, medical, etc. Khols was the only company that would not work with me. They were very aggressive all the times I called them. They said there is nothing they can do, that I either pay it or they will ruin my credit report. I told them I could not. They call me all day. All night. I get calls at my job from them. My phone rumbles all day long from Khols. They have many different numbers they call from. I finally called them today and asked them why they won't help me pay them. I just want to pay my bill! They said the only thing they can do is charge me {$66.00} a month for two years. I told them I could pay half of that. I told them I could pay XXXX a month and maybe things would get better down the line and I could pay more. They got really nasty and said there is nothing they can do. I asked them wouldn't they rather have some money than none. They said no. I am at my wit 's end. I don't understand why I can't pay off what I owe but just in smaller amounts for now. Please help. I am not trying to dodge my bill and I have learned my lesson no to depend on overtime or child support but I can't seem to climb out of this hold and can't not pay my rent or electric or buy food for my kids to pay IKhols.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: GUARANTEED RATE INC.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold ( offloaded/onboarded ) within days of my first payment to GuaranteedRate. I have been given three different loan numbers over 5 months. For two months I had not received any mortgage information. In particular, I could not pay my mortgage because the old loan number from when I bought the house didn't work anymore and my new loan number was not active. There was no way to pay online, and no physical payment stub to send in. I called once a week for two months to find out how to pay my payment and no one could give me any answers. 

Eventually on XX/XX/XXXX I was given advice from XXXX XXXX and XXXX XXXX from GuaranteedRate ( See attached emails ) to make a one time payment of XXXX to XXXX ( XXXX  XXXX XXXX  ) to a new account number ( loan number 2 ). I did so, and received email confirmation as well as a debit from my bank account. I assumed it was taken care of and all would be well. 

On XX/XX/XXXX my new loan number ( loan number 3 ) was activated and eventually showed that while my XXXX, XXXX, and XXXX payments ( all sent via check or via rate.com dashboard ) were accounted for the XXXX payment sent via XXXX did now show up. I then began contacting them to alert them of the missing payments ( see attached emails ) and was never given an answer other than " contact our research department '' or just simply " we can't find that payment, sorry. '' I sent all of the pertinent information to the research department on XX/XX/XXXX and the problem still has not been rectified. 

In the meantime I've been getting mail from the company stating I am at risk of losing my house. I also received multiple bills from them demanding I pay up to {$7400.00} because the new loan had not received payment from the loan it BOUGHT OUT ( ie loan number one ). This was terrifying for me as a first time homeowner, and completely unprofessional of them blaming the consumer for their clerical errors. 

Finally today ( XX/XX/2021 ) I spent over an hour on the phone with customer service at Guaranteed Rate and all they could do for me is " put in a work order '' which " may be done by XX/XX/XXXX ''. Even if that's the case it shows I am delinquent on my XXXX payment, since my XXXX payment went to pay the one that they have lost. I'll also be due for an XXXX payment soon. 

I have talked to countless people on the phone and spent countless hours and I either hear " We don't have access to that page so there's nothing we can do about it '' or " Send this to research and they'll take care of it ''. None of this has helped, and no one seems to want to help my fix my problem. I sent a payment in good faith as I was instructed to do by a person at GuaranteedRate, trying to do the right thing and pay my mortgage, and all it has done is caused me grief and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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  and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number ****XXXX-XXXX. ( Please see page 6 of the attached credit report. ) I have already called XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX   however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2019-05-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I called into American Express in XX/XX/XXXX, to explore new credit card options. I spoke with a customer service rep, XXXX, who was very helpful. We figured out which American Express Card would be the best for me, the Gold Card. XXXX asked if he can sign me up over the phone. I told him sure, as long as I receive the welcoming bonus of XXXX points if I spent {$10000.00} in the first 3 months, that was advertised online. He said it does not make a difference if I sign up online or over the phone, I will get the advertised welcome bonus. I signed up online, met the spending qualification in 3 months, and never received my points. I called in to AMEX, made a claim ( Icare # XXXX ). I explained the call was recorded and they can review the call. This was on XX/XX/XXXX, and I was supposed to hear back by XX/XX/XXXX. AMEX did not get back to me, I followed up once prior to XX/XX/XXXX, and once after. After XX/XX/XXXX, only when I followed up, they said they are not going to reward me the welcome bonus points. I called one last time XX/XX/XXXX and asked if I can review the call with them, because the welcoming bonus was discussed 100 % with XXXX in XXXX of XXXX, and it was also advertised on their website. Yesterday, XX/XX/XXXX, The custom service supervisor, her name was ( XXXX ), said there is nothing she can do on her end. So now I am seeking your help, please, in helping me retrieve my XXXX point welcome bonus from AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get over 30 calls a day. I explain that I am at work and they continue to call.

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 2021-04-23
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There are two accounts reporting from XXXX XXXX XXXX from XXXX XXXX XXXX and XXXX XXXX XXXX and neither should be listed. I was homeless for a long period of time and covered under the XXXX XXXX XXXX. I do now owe any medical debt for that time period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-15
Company: Applied Data Finance, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have been on XXXX since XX/XX/XXXX, I needed this loan to keep current with my bills after XXXX. The loan origination date of my loan is XX/XX/XXXX. I called XXXX today to check on on my loan balance and it turns out that after making every payment on time every 2 weeks for nearly a year I owe {$500.00} more than I borrowed. so I pay {$140.00} every 2 weeks, my original loan amount was {$3000.00} and I now owe XXXX this doesn't seem fair and due to my XXXX I am currently unable to work and these payments are strain on my ability to stay current with my other bills. Is there anything I can do about it. 
Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Simon's Agency, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint is a HIPAA complaint against this debt collector. I made a complaint recently about this debt collection agency because they had not validated a debt they are reporting on my credit reports. They're reporting a debt for someone named " XXXX XXXX '', which is NOT me. My name is XXXX XXXX. In their reply to that CFPB complaint, they included a list of medical procedures that this " XXXX '' had while at the hospital. They did not include a HIPAA release form, which means they have now given ME a list of medical procedures for somebody else which means they've violated HIPAA laws, which can come with a {$10000.00} fine. I fully intend to try to track down this " XXXX XXXX '' and notify him/her of what this debt collector has done so that she can file complaints, and/or take this company to court for violating her HIPAA rights. Again, this debt does NOT belong to me, and needs to be removed from my credit reports immediately. If not removed, as legally needs to be done, I will be seeking legal counsel, as well as contacting the state attorney general for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: ENCORE CAPITAL GROUP INC.
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:
This company has garnished wages without providing verification of debt and without notifying the courts they are collecting the debt on behalf of XXXX XXXX for account XXXX, Ive spoke to a legal representative and requested for her to provide validation of debt and she said theres already a garnishment in place so they can collect on debt owed which is actually from XXXX XXXX and not XXXX XXXX. This company has also refused to oblige by their pledge to stop collections efforts on accounts suffering from financial hardship with documentation. I have provide FMLA paperwork to XXXX XXXX more than once, this information was taken into consideration with their collection department but not their legal department and this company is suppose to be one entity. The representative Ive spoke to stated that I DID NOT MEET THE CRITERIA with the legal department but the criteria was met with the collection department. He did not request for additional information and said he can not disclose what else is needed. This company practice unlawful acts when collection from consumers, and although the accounts are suppose to be cease and desist I was still contacted by mail from this company and not through law which is a violation of 33-18-1004 and subject to civil penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
So as of late 2018 ive been trying to get further information on a erroneous collection account that was placed on my credit file by XXXX  and Transunion.The company is XXXX XXXX XXXX XXXX with a balance of $ XXXX.This account was also posted to XXXX but has since been removed.I have written Transunion and XXXX  several times as well as the creditor, requesting all documents for the above account and neither have done so. Both credit bureaus have violated the FCRA section 601 ( a ) ( 1 ) ( a ) as well as section section 623 of the FCRA, and has since then refused to remove account from my credit file. XXXX  has removed this account from my credit file but Transunion and XXXX have failed to do so. After many letters and phone calls to the credit bureaus letting them know this is not my account, I wrote them asking for there Method of verification I received the response 30 plus days later, but the Bureaus are required to respond within 15 days when there is a request of ( Mov ) and I was sent back a phone number with no company name and no other details.The above account is also missing information witch is also relative to the FCRA. Transunion and XXXX   are not conducting proper investigations into this matter. Ive also hired an Attorney to help me thru my legal matters with XXXXXXXX XXXX audit as well as Transunion and 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 2018-03-15
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
in 2015 my health declined, due to XXXX  from a loss of income which was very much needed my childsupport. i tried my best to maintain my finances in better position for my household. i did overtime alot which kept me away from home and my XXXX daughters.this led to a disaster, my XXXX older where skipping classes getting low grades etc. therefore i was forced to stop working so much, my household was in desperate need of a stable parent. i went to citi and informed them of my situation and my need for help, but got no help. my finances slowly declined as my health did. i sought the help of family and friends, but they could only do so much. i then had to take out paydayloans to stay afloat. citi offered ( NO LOSS OF MITIGATION ) help theyve violated the Real Estate Act. RESPA i sought the help of NACA. IM in dire need of help!!!!!

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 2019-05-21
Company: McCarthy, Burgess & Wolff, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was speaking to some one from mccarthy bergis and wolf and they put a ms. XXXX XXXX on the phone. Who clearly had an attitude as i tried to explain i was XXXX XXXX during the debt. And then she said you clearly got something going on in your life. Get your life together. I spoke to a XXXX about it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Experian Information Solutions Inc.
State: CO
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 have contacted Experian previously about this account. In a recently recorded conversation XXXX XXXX XXXX told me that they couldnt find an account with my name or the info I provided and that they didnt have an account for me. Yet Experian continues to report it. I have asked numerous of times for this account to be removed. I have attached the recorded conversation.

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