BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-02
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Hi On XX/XX/XXXX XXXX,,,, I called Navient ( XXXX ) XXXX Student loan ( formerly Sallie Mae ) and I informed them about my difficulty of making payment and please I need forbearance until the pandemic is over. 

Prior the pandemic of Covit-19 I been making my payment on time with out any delay and established a great history as always making my payment on time. 

Going back to my call i told Customer service since i can not make this payment because of my unemployment status and can you please pause my payments without any late fees or can you please extend my loan period until this pandemic is over and SHE TOLD ME IN UPPER CASE THAT I WILL SUBMIT YOUR REQUEST BUT YOU STILL NEED TO MAKE A PAYMENT of small percentage of loan payment, which the loan is {$310.00} and we agreed only {$100.00}. So based on that i had no choice and made a payment of XXXX dollars on XX/XX/XXXX, which took away my food allowance money for my family. 

Few days later i received nasty, disgusting calls for collectors representing Navient which i had no clue it was a collectors and representing Navient, but soon after speaking to them and their tone i found out that they were collecting agencies, and you know these people have no mercy and no passion even at time of Covit-19. 

Today XX/XX/XXXX i was checking my account on line and i saw late fee charge for the month of XX/XX/XXXX = XXXX XX/XX/XXXX = XXXX total amount due for XXXX ... ... 

On XX/XX/XXXX i received another email indicating you need to make payment and your account is past due. 

on XX/XX/XXXX as a consumer i post a payment of only {$210.00} ... .. which this is all i can afford. 

This company is horrible and they have no compassion the way they treated me at the time of COVIT-19 ... .. what it really frustrates me THEY ARE NOT WILLING TO WORK WITH YOU EVEN IF YOU MADE YOUR PAYMENT ON TIME IN PAST AND ESTABLISHED A GOOD HISTORY WITH THEM.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The accounts below is not mines. The company has been calling and treating to have me arrested and taking legal action against me. I know their are laws to protect me from this. And how do they contact people who the debt does not belong too? 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$31000.00} Reported balance The account below has an incorrect balance. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$590.00} Reported balance The inquiries below were not authorized by me. 

XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX   XXXX Inquiry from XX/XX/XXXX Automotive  XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX   XXXX I Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX   XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Bank

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 2019-05-02
Company: Pendrick Capital Partners Holding, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I first received a medical bill from XXXX XXXX XXXX XXXX, on XX/XX/XXXX in the amount of {$1400.00} for services on XX/XX/XXXX. I then contacted them through certified mail on XX/XX/XXXX and asked for validation of this medical bill they claim that I owe. They received the mail on XX/XX/XXXX. They then contacted me through mail with a " verification '' with a different amount of {$490.00} and also with a different date of medical services on XX/XX/XXXX. They also listed diagnosis codes, procedure/service cpt codes, physician 's name and charges. Those alone with my codes are violating my HIPPA rights. I am sending out a certified letter tomorrow on XX/XX/XXXX demanding that they cease all activity in collecting the debt. They are in violation and I will contact a lawyer if they continue to pursue and collect a debt they claim that I owe while violating my HIPPA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I learned that my information was sent to a collection agency from COMENITYCB/XXXX while I was out on military leave. 
I have been trying to get a hold of " XXXX XXXX XXXX  '' to request them to send me verifiable information to prove that this account belongs to me. I have called ComenityCB/XXXX  and they told me that the account was sent to two different agencies : " XXXX XXXX '' & " XXXX XXXX '' they have different phone numbers. These two collection companies are constantly harassing my family members and friends. I need to have these collection companies to answer my request as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In 2017 and currently ( two separate occasions ) this company has unfairly and incorrectly handled my credit information. 

Most recently I made an attempt to call FEDLOAN Services and spoke to a representative. In which we discussed the amount and date of my current student loan. 

Because of a job switch I communicated that I needed to change the date of this specific payment. 

To which I have just checked my credit score ( after years of trying to rebuild from their first error fresh out of college ) and they have reported my loans 31 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Citi Best Buy Visa Credit Card. 

On XX/XX/XXXX, I purchased an item for an amount of {$760.00}.

On XX/XX/XXXX, Citi issued me a Credit Card Statement with a due date of XX/XX/XXXX with a balance of {$760.00} with Minimum Payment of {$27.00}.

On XX/XX/XXXX, I returned the item to the original store for a full refund of {$760.00}.

On XX/XX/XXXX, Citi issued me a new Credit Card Statement with a Late Fee of {$27.00} and blocked my Credit Card. 

I called the Credit Card Customer Service XXXX. I explained the situation. The representative was able to access my account. But they said they can not do anything until I pay the Late Fee of {$27.00}.

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 2020-06-04
Company: Experian Information Solutions Inc.
State: TX
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:
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted XXXX the servicer of my loan and they stated they have been updating my account information to Experian, XXXX  and XXXX. 

The credit bureaus have not updated my account since 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 non-monetary relief
Consumer complaint received 2020-05-02
Company: EQUIFAX, INC.
State: FL
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 an notification on my XXXX XXXX account that I had an inquiry from XXXX - XXXX XXXX for XX/XX/2020. I did not authorize this pull from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: DISCOVER BANK
State: NJ
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:
Date : XX/XX/2017 Description : XXXX closed my credit card account yesterday without giving me a reason. I was so shocked because i do treat my first discover credit card as a treasure.I keep using it very carefully, such as making payments in time, never had a late payment. Right now my credit limit is {$2500.00}, and i always keep my balance under {$1000.00}. So i really have no idea about why the company closed my account. My FICO is XXXX, i ca n't see any reasonable facts to close my account. 

Thanks a lot!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: EQUIFAX, 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:
There are inquiries reporting on my credit file that does not belong to me. Neither was the inquiries authorized by me. Please assist me in removing the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX, XXXX : XXXX. My account number was XXXX. On XXXX XXXX, XXXX I went to Chase Bank in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) to close my account. I decided to get the amount in cash since it was not a lot of money. I had exactly XXXX on my account and I got XXXX in cash. I am attaching the copy of the withdrawal where you can see the amount stated as above. 

I got notified on in XXXX that they were trying to collect XXXX XXXX I went to the location in XXXX XXXX and tried to understand what was going on. I was told by the interim manager of the branch that the lady at the counter who attended us made a mistake and entered {$5700.00} instead of {$5100.00} on the computer system which implied that I she had given me XXXX extra. 

After talking to her for a while she mentioned that the branch officer confused the 1 with the 7. As you can see on the check where there is a 1 and a 7 those have a totally different pattern so that is hard to believe. I told her that I still have the amount in cash ( since I simply left it in the envelope and left it home in a drawer ) and the amount was {$5100.00}. I do n't not know where those XXXX $ went but I just do n't have them. If I had them trust me I would be returning them because of all the hassle this is creating. 

On XXXX XXXX I received a letter saying that I owed {$600.00}. Following the advice of my lawyer I send out a letter that I am attaching where I expose the violation of the Fair Debt Collection Practices Act. The bank tried to accrue fees/interest beyond what it is allowed. 

I just hope this situation will be solved soon because I do n't believe I did anything wrong. I am not the person who took those {$600.00} and therefor I do not owe that amount. 

Please remove the unjustified debt from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: DISCOVER BANK
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called Discover Payment Protection, XX/XX/XXXX, to cancel the plan and get a full refund the fees as I am not aware nor do I remember enrolling in the plan. I talked to XXXX XXXX and she said I enrolled when I applied for the card on XX/XX/XXXX. However, I asked for proof of my enrollment and she said it was not possible as it was so far back. 

Upon calculating the Fees paid between XX/XX/XXXX, the payment protection fee total is {$400.00}. This fee does not include from XX/XX/XXXX. I asked to get the full amount back, but she stated something along the line of 'we ' believe we notify our customers enough about the payment protection fee and our policy only allows for 6 months refund. She first offered to refund me last months fee, but then later offered to refund 6 months totaling {$65.00}. I agreed to canceling the plan and refund of the 6 months. However, please refund me the FULL amount, including from XX/XX/XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: Experian Information Solutions Inc.
State: OH
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:
In XX/XX/XXXX, my XXXX XXXX credit card with a XXXX balance ( sold in XXXX ) changed to a charge off with a balance remaining of {$4400.00}. I disputed this item with XXXX XXXX and they verified it as accurate and updated the XXXX XXXX tradeline as dispute resolved with grantee. This tradeline is inaccurate and extremely damaging to my credit reports

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 2021-01-20
Company: EQUIFAX, INC.
State: OK
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:
XXXX XXXX XXXX XXXX Showing Past Due on a closed account and getting notification for late payments. Past due balance on all 3 reports inaccurate XXXX {$66000.00} {$66000.00} XXXX How can I be late on a close account. REMOVE ACCOUT FROM REPORT. Date of last active on the account inaccurate XXXX, XXXX, Equifax-XX/XX/XXXX. Only lived at XXXXXXXX XXXX XXXXXXXX XXXX, OK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted XXXX via letter is regards to account # XXXX, which they claim my account was charged off {$2300.00}. I requested information regarding account and received a print out of a bill. I responded with ... .This is formal notice that your claim is disputed. I contacted the company via certified mail XX/XX/2018 in regards to there claim I owe {$2300.00}. They still have not provided me sufficient proof of my signature.

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 2020-10-23
Company: Consumer Adjustment Company Incorporated
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A {$79.00} dollar debt was placed on my credit profile however, I was not given any information regarding this debt nor was I ever admitted to this hospital. This information is false. No debt verification information was sent to me to verify this debt, it was just placed on my credit report without proper knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX I closed escrow on my property ( XXXX XXXX XXXX, XXXX, Az. ). The prior owner was in foreclosure, however funds from the sale of he property satisfying his outstanding principal balance were wired to his mortgage company ( Lakeview Loan Servicing ). 

Lakeview failed to advise the local trustee that the debt was satisfied, and the trustee subsequently executed a trustees sale. This act of foreclosure was taken against me even though I did not and had not owed a debt on the property that had defaulted. 

In XXXX of XXXX I was served with eviction orders by the third party who purchased MY property at trustees sale for about $ 170k. I was forced to engage counsel and defend my right to occupy the property I had purchased fair and square. At that time, I was forced to file a prior CFPB  complaint in order to get someone from Lakeview to respond to my many inquiries. A compliance manager from Lakeview reached out to me, and for a short time it seemed like the mortgage company would be working to resolve an obvious error on their part. 

Fast forwarding to XXXX of XXXX, I am still in danger of being evicted from a property I purchased fairly because Lakeview Loan Servicing has been and continues to be incapable of giving the matter any reasonable attention. 

All I want is for Lakeview to PAY ATTENTION to my issue. I want them to work with the third party who purchased the property at the improperly executed foreclosure sale in XXXX, and get my name and my family out of the way of eviction proceedings. Ive been treated indifferently at best, and would say that Lakeviews negligent and inappropriate handling of my situation is the exact reason a body like the CFPB exists.

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 2017-09-30
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Several weeks ago I was given information by a Key Bank agent regarding a new checking account and an available {$300.00} promo. I took said advice, alas, as it turned out the agent led me astray. 

I then talked to various Key agents ( weeks after I initiated the promo ) including a supervisor and a local branch manager to no avail. The branch manager states that there is no one to attach the problem to, as there is no way to retrieve the phone call in question with the Key agent who said I was literally " good to go '' in terms of the new account promo. 

Please note : I followed the Key agents precise instruction/advice as it pertains to the promo ; they gave me that information after looking at my former account with Key which I had to close due to an inability to log in online at the time. As it turned out, my online problems were apparently due to the a bank merger they were going through, but by the time I connected the dots, I had already closed my account. 

I have included an exact copy of a letter that I gave to the bank on XXXX XXXX 2017 ( the branch manager said it would be a smart thing to do so that she could forward it to someone higher up ) Lastly, I just talked to XXXX, the local branch manager at my Key Bank ( at about XXXX today XXXX XXXX ) and she bluntly stated that I can further escalate this issue ( I asked and received a phone number to call ) but she said I will get a " no '' in terms of help. Her confidence about my situation being a lost cause ( my words ) makes me feel even more eager to escalate matters.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-24
Company: CITIBANK, N.A.
State: FL
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:
You Have 2 New Inquiries 2 new inquiries were added to your report in the last 60 days, which indicates that you recently applied for credit. 

XXXX Inquiry Date : XX/XX/2019 Phone # : XXXX XXXX XXXX XXXX The above inquiry was made of me at XXXX in connection with a fraudulent, unauthorized ( not me ), and therefore entirely illegal application for credit with subject merchant unbeknownst to me until informed by XXXX. I have attempted to pursue, rectify and address the above malfeasance and transgression with the subject merchant to no avail. Therefore, I am resorting to CFPB for protection and redress.

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 2019-05-01
Company: EQUIFAX, INC.
State: FL
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:
After reviewing my credit report, I have identified an inaccurate account that does not belong to me. This account has caused tremendous hardship on my credit. Please re-investigate the inaccurately placed item on my credit and have it deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
After reviewing my credit report, I have identified an inaccurate account that does not belong to me. This account has caused tremendous hardship on my credit. Please re-investigate the inaccurately placed item on my credit and have it deleted immediately.

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