BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-05
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PLEASE CALL MR. XXXX XXXX at THE EXECUTIVE OFFICE OF CUSTOMER ADVOCACY OF DISCOVER CARD ( XXXX ) XXXX as he knows my previous complaint about the same matter COMPLAINT ID XXXX filed on XX/XX/2019. 
The complaint was resolved successfully because Mr. XXXX removed the account debt from XXXX XXXX XXXX back to Discover Card at its original Dollar Value. I bought a Cashier 's Check of {$3200.00} to pay the debt and mailed it on XX/XX/2019. I have been in contact with XXXX at XXXX to find if my check arrived which it did on XX/XX/2019 and I was told by XXXX that she also received a check of {$6600.00} from LaVrar THE COLLECTION AGENCY but no problem because Discover Card will collect the debt and the remainder will be refunded to me. The remainder is {$6600.00} but I imagine Discover had to deposit both checks to collect all the monies and THEN ISSUE A SOLE CHECK FOR ME. I have been waiting for the check and I have been calling Shontae at XXXX but the recording says there is noone at the office PLEASE CALL BACK LATER. I called the customer service phone and a Manager COULD SEE A CHECK NUMBER IS GOING TO BE ISSUED but from where she was she could not see FOR HOW MUCH OR WHOSE NAME. I did not sleep the whole night at all THINKING! Not only me but also The XXXX XXXX have asked XXXX to mail back a check for {$6600.00} to XXXX XXXX XXXX to place the funds back in Escrow. The Title Company forced me to sign AGAINST MY WILL ( I have emails to prove it ) The Stipulation to pay LaVrar under threat my debt would go up to include Court Costs and others only to find XX/XX/2019 that my complaint was approved so I could pay Discover Card the lesser amount owed. 
The response of XXXX to my complaint ( dated XX/XX/2019 ) reads as follows : " XXXX HAS NO ACCESS TO THIS ACCOUNT BECAUSE THE DEBT HAS BEEN RETURNED TO DISCOVER ''. COMPLAINT ID XXXX QUESTION : Why did XXXX send the full {$6600.00} to Discover? Why not send it to The XXXX XXXX? Why not brake the monies and pay my Debt to Discover and The remainder send it to The XXXX XXXX? Wasn't it THAT XXXX HAS NO ACCESS TO THIS ACCOUNT???? 
I smell a big fish here. I think LaVrar wants to collect from the check from XXXX a fee and The Managers at XXXX DO NOT KNOW WHAT TO DO BECAUSE THEY HAVE NO ACCESS TO THE PREVIOUS HISTORY OF THE PROBLEM AS Mr. XXXX XXXX. I trust he will resolve wisely like he did in my first complaint. Please call him ASAP before you make a mistake. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Citibank and deposited {$50000.00} in XXXX, I wished to wire transfer out {$45000.00} to another bank account and my account was frozen. I went to the bank and spent an afternoon to unfreeze my account over the phone, then I asked my bank ( Citibank XXXX XXXX ) to do a wire transfer for me, within an hour of the wire transfer my bank account was frozen again, this time they asked me to wait for a letter from them, and after I saw the verification code in the letter, asked me to contact them again. Two weeks have passed and the letter still hasn't arrived. Also the employees of the branch are not answering my calls this week. i am being unjustly denied access to my money.

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 2019-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This bank is horrible I used to have a Walmart cars with XXXX XXXX  it was recently transferred to them they are damaging my credit reporting late past due payments over 120 days they dont care I lost my job recently and called them to tell them if their was any program or hardship they refused and said my account would be charged off how is this fair its like they want to hurt my credit then they say my account is enrolled in credit counseling and its not they told me it will take 48 hours and to call back once the info was removed everytime I call they give me. Hard time and claim its still enrolled their a bunch of liars and I hate them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: ASPIRE FINANCIAL INC.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied with TexasLending for a hone equity loan. Speaking with their rep I questioned the high appraisal costs and was told I could select an appraiser which I did. I was told the loan was approved and in process. Today I was informed that the loan was denied because I had the appraisal done and not them. This has cost me the appraisal cost, time, and possibly damaged my credit due to being turned down for a loan. 
As a senior citizen ( or any citizen ) I think this is unfair practice to say the least. 
i think if TexasLending needs their appraiser to do the appraisal they should pay for it and proceed with the loan I qualified for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Maximus Education, LLC dba Aidvantage
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
We have four student loans that were transferred from Navient to Aidvantage. 
Three are grouped together under one monthly payment and one is a stand alone under a seperate payment. All were paid on time for XX/XX/2023. The three grouped together were paid in full but only one was credited with the entire amount of payment the other two are now over due.The stand alone loan was paid in full on time, pament was credited but now appears that they assed a late penalty. I have tried to get them on the phone but to no avail, been on hohd for fourty five minutes to one hour.they also do not respond to my emails. Navient were great Aidvantage is a nightmare. I don't want to make anymore payments till this gets cleared up. 

Thank you very much, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: GA
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:
Hard credit inquiries were not initiated by me. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: EQUIFAX, INC.
State: NH
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 Equifax refuse to remove the three accounts on my credit, XXXX removed them already. XXXX REMOVED ALL EDUCATION ACCOUNTS BECAUSE THEY ARE NOT MINE! They belong to my aunt with the same exact name as me by marriage! Remove or Im getting a lawyer!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: MEDCAH, Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This will be the 2nd time I am submitting a complaint about the same account. The company requested that I send them a copy of my identity theft report. I did just that and they are still trying to collect the amount due of {$130.00}. I told them in order to validate this debt, send me PROOF it is mine. Instead, they send me a statement of the charges. The statement of charges, just like the amount of {$130.00} they claim I owe, does not prove it is mine. 

I told them repeatedly, this is result of identity theft and someone is pretending to be me to open this account. I have no contract agreement signed with my signature therefore I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made a purchase on XXXX  the funds were released. I tried to withdraw money from my paypal account. It declined when I tried to have it sent to my debit card. I then called Paypal I had gotten transferred to 3 representatives. The first two representatives said I had limitations on my account. Then the third representative said its a hard security block. Its nothing Paypal can do. I asked but why I have never abused my account and I barely use it. I explained that why would Paypal accept money but then block it for no reason and tell me to wait 72 hours. Up until now I never received an email or anything saying there was a issues with my account. PayPal just says the system does it by itself. The transaction is only {$94.00}. So at this point they wont give me my money not even by check or anything. They wont even close my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05
Company: EQUIFAX, 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:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Navient Solutions, LLC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to lodge a complaint against my student loan servicer, Navient, as well as the three major credit bureaus : XXXX, XXXX, and XXXX. In XX/XX/2023, my credit report reflected a 90-day late payment on my student loan account. However, I certify this reporting to be in error, as I should have been in federal deferment under the provisions of the CARES Act. I seek your assistance in rectifying this issue and ensuring that such discrepancies are addressed promptly to protect consumers like myself. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2020-12-23
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In 2006, I applied for a student loan with AES totaling {$6000.00} and has paid {>= $1,000,000} on the loan ; however, the balance on the loan is {$12000.00}. The interest rate is excessive and can be classified as usuary in the U.S. This is a very suspicious company, as the official owner of the loan can not be identified, and the company is not accommodating as far as lowing interest rate, etc. Each year this loan keeps increasing instead of decreasing, as I have at one time made payments religiously without making a dent in the balance. Something needs to be done about this student loan lender. Pure highway robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
They wont approve me fir a credit card their system doesnt even check my credit to see when I call they refuse to assist me tell me no that based on a past account this is nkt what they told me it was closed due to credit reasons I was told I would be able to have a card and reapply but their system treated me horribke without even trying to pull my credit and qualify me for a card its just canceled and internal reason

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 2022-08-25
Company: Mr. Cooper Group Inc.
State: TX
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:
In the interest of my Name and Property, Nationstar Mortgage LLC, dba Right Path Servicing, Mr Cooper, Community XXXX XXXX formally XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and Authorized Rep XXXX XXXX attorney/debt collector. Have taken actions that are a violation of the FDCPA, FCRA. In relation to their collections practices of an alleged debt. The companies addressed here have violated the cease and desist notice sent their respective offices by registered mail that the debt is disputed and ordered to cease reporting misleading information on my consumer reports and communication with me unless they were to provide proof that a debt was valid and the law that relate to the alleged debt was not followed applicable in dealing with such a matter. By further mailing of statements and harassment letters from the attorney 's office listed above and unauthorized furnishings of transaction history and experiences between myself and the parties violates 1681 ( b ) 1681 a ( i ) permissible purposes and exclusions of certain information on a consumer report. I am holding these companies accountable for violation of 1692 e ( 2 ) The false representation of the character amount, and legal status of a debt. 1692 e ( 4 ) The implication that nonpayment of any debt will result in seizure or sale of property, 1692 d, 1692 f by communicated use of the attorney, listing my property and name in public notice of foreclosure as a delinquent debtor, has caused damages to my reputation as a natural person consumer, that will grossly affect my ability to do business and be provided housing whether it be lease rent or owning without being denied as a consumer. Under the XXXX usc 1692 and 15 usc 1681 s-2 ( a ), 1681 c, 1681 n, 1681 o, 15 usc 1681 n ( 1 ) ( A ), ( B ) ( 2 ), and ( B ) ( 3 ). These companies have caused injury and have failed to deliver the name and address of the original creditor so that I may be able to validate their claims to a debt and actions. I have not given any consent to the actions being taken against myself or personal property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from XXXX & XXXX, XXXX. located at XXXX XXXX XXXX in XXXX, FL XXXX claiming to be debt collectors. The letter has no Case File number or Reference numbers and states that their firm was retained by XXXX XXXX XXXX, XXXX to collect a debt I owe, {$1800.00} to Citibank, N.A.. To the best of my recollection I do not owe anything to Citibank . I checked with XXXX and XXXX and the alleged debt does not show up on my credit report. The letter supplies 2 telephone numbers, one with a local exchange ( XXXX ) and the other a toll free exchange ( XXXX ). On XX/XX/XXXX I called using the local number and spoke with a XXXX XXXX XXXX at XXXX regarding the letter I received. Of course he claimed I owed the money and asked if I was ready to pay. I told him I was n't and asked about a settlement. XXXX XXXX told me he had to check with his client and told me to call back the next day. I called back twice on XX/XX/XXXX using the toll free number and the extension given but got no answer. A few hours later I happened to look at my phone and noticed a toll free call to a number identified as XXXX XXXX. I have no business with XXXX XXXX. When I checked further the toll free number on the collection letter is the number the caller ID is identifying as XXXX XXXX. I do not believe I owe a debt to Citibank but I do believe that something smells rotten here. Please help, thank you.

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 2023-01-11
Company: Affirm Holdings, Inc
State: NC
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX, Affirm was notified via email regarding circumstances beyond my control. From XX/XX/XXXX to XX/XX/XXXX, I was hospitalized due to XXXX XXXX XXXX XXXX that resulted in worsening medical conditions that began to harm my XXXX XXXX conditions. I was literally in XXXX multiple times fighting for my life. During this time, I did not have any access to my cellular phone nor did I have communication with anyone except immediate family. Affirms CEO, XXXX, was made aware of this, and instead of reading my email to understand the circumstances beyond my control, he forwarded the email to a customer service supervisor at his company, and denied the request for a good faith removal of a delinquent payment on my personal credit report. Per the wording of the message received on XX/XX/XXXX, We completely understand when circumstances are out of your control and you may be late on a payment. However, please understand that Affirm has a regulatory obligation to report accurate information to the credit bureau and can only change reporting when an inaccuracy is identified. If I wouldve XXXX in the hospital, I am curious as to how Affirm wouldve been able to collect the remaining funds for my account? The insensitivity is beyond disgusting, as it appears that they think someone is supposed to continue life as normal and pay bills while fighting for their life?? Is this what the world has come to now? Is their CEO that greedy that he cant even remove a delinquency due to circumstances beyond someones control? Ive literally been an on time paying customer FOR YEARS, and never had a PROBLEM PAYING LATE until I WAS HOSPITALIZED!!! All of the accounts were paid on the day of my release, yet I still received harassing phone calls from Affirm ; I had to advise the collections department to refresh their screen and review my account for accuracy. All I received was, Im sorry maam. but in my case, its not good enough. I am requesting a second review and REMOVAL of the delinquency payment since ALL accounts were made current on or before the 30th day or legal action WILL be pursued. 

Disclaimer : DUE TO PUBLIC INTERNET FORM, PRIVACY LAWS, & HIPPA, DOCUMENTATION WILL NOT BE SUBMITTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
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: Information belongs to someone else

Complaint:
My credit report had an account listed that are not mine..I disputed the accounts with the credit bureau as XXXX not mine '' but it recently came back as verified..I have never had an account with these companies..Please delete immediately before further harm is done.. This is not my account XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: PENTAGON FEDERAL CREDIT UNION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I recently received a copy of my consumer reports, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! Your company is in clear violation of the law. Pursuant 15 USC 1682a 2 ( A ) ( i ) -EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( PENTAGON FEDERAL CREDIT UNION ) Making the report is NOT INCLUDED on my Consumer report!

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) Pentagon Federal Credit Union that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included in the consumer reports!

YOU HAVE VIOLATED THE FCRA 15 USC 1681 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

PROOF OF PENFED CREDIT UNION REPORTING MY EXPERIENCE IS ATTACHED, AS WELL AS PROOF OFF PENFED CREDIT UNION REPORTING DIFFERENT ADDRESSES PER CREDIT REPORTING AGENCY. THIS IS ILLEGAL.

ALL VIOLATIONS ARE CIRCLED IN RED.

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