BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-03
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On XX/XX/XXXX ... I emailed XXXX about a couple concerns that I have.
I have requested that XXXX exclusively communicate with me via email for any debts that I may owe. I asked them to please discontinue the daily phone calls to any of the numbers that anyone has provided on my account. I understand that I owe about {$450.00} dollars but I will continue to make payments until it is all paid off. An unnamed representative contacted me with this response : The staff does not have the ability to e-mail borrowers. The account is delinquent they will call parties that are associated with the loans. I had another concern that I addressed and need to be resolved ... A member of my family, XXXX XXXX, was added to my XXXX account a couple of years ago. Not sure why, but I was not contacted about this. It was her daughter ( XXXX XXXX ) that co-signed the loan, not XXXX XXXX. Unfortunately, my godmother, XXXX XXXX XXXX XXXX in XX/XX/XXXX and I went into financial crisis. Through that time, XXXX decided to constantly call XXXX XXXX 's house and I every single day ... so many times that in anger in around XX/XX/XXXX she told the representative calling that her daughter XXXX XXXX and please stop calling. In some strange turn of events, they are claiming that XXXX XXXX is the co-signer for a loan she did not officially sign for. I have not received any information, paperwork or validation of her involvement in my loan. According to XXXX XXXX, a representative calls every day for the past year. There are mentions of " taking you to court '' and " we will cease your house. '' I am not sure what to make of this, but I want her to be deleted from my account. She had nothing to do with my loan/debt.
XXXX XXXX response was : The person you are referring to below is a co-signer of the loan and is just as responsible for payments as you. They can not be removed from the loans. The staff does not and never threatens our borrowers with any such actions. Please maintain payment in order to elevate the calls.
XXXX has not reached out to me for a solution or an attempt to help me with any financial difficulties, just continue to call and ruin our credit. I hope we can come to a civil resolution so this goes no further.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Blackhawk Network Holdings Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I was issued a pre-paid card from " XXXX XXXX XXXX '' when I applied for a credit line for a new set of tires. I received the card, but it expired before I was able to use it, I am unable to reach anyone that could issue me a new card. The company that issued the card was " XXXX XXXX XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There is ZERO way to make a mortgage payment due to a complete disaster of their website and not accepting phone payments as well.. You go to XXXX to login ... when trying to log in..it asked for a random..not what you selected security question..trying to register your device every single time. THEN if you are lucky enough to log in..you click another button to go to another website called XXXX XXXX. Then if you are lucky..you may or may not be given the option to make a payment. This is a complete disaster. I email them..their excuse..they are having website difficulties..but only the last few days they say. This has gone on from day one.XXXX/XX/XX/2019. they also CHARGE YOU TO MAKE A PAYMENT TO THEM. Who does that? 

Anyway they will not allow me to make my XXXX mortgage payment. I called number and it said they are not accepting payments on my account. I have tried and tried. i cant speak to a person..it 's all automated. MANY others with exact same problems. They also refuse to mail out any paper statements. Many others asking as well as I ... they won't send out. All of this is illegal I know. So why are they allowed to continue? PLEASE do something about this company. I have owned my home for 15 yrs and this is the very first company that's ever been like this and they are VERY bad. Why are these companies changing over every 3-5 yrs too? This is a disaster. I have read many horrifying reports, articles and complaints on this company and yet they are still in business. I just want to make a payment in which they are not allowing me to do for no reason at all. I am being sabotaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
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 have been desputing an account with XXXX XXXX through XXXX, XXXX and Experian. The credit bureaus have failed to investigate my despute for more than 90+ days. This derogatory account is affecting my accounts negatively.

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 2022-01-06
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am in the process of applying for a mortgage and needed an official document saying what my monthly payments would be under an IDR plan because I am currently in school and so payment is showing as {$0.00}. I contacted my loan servicer, FedLoan, on XXXX to ask them how to get this. On XXXX, I submitted a request for IDR through studentloan.gov because I was advised by someone else that this would be sufficient for this process. The automatic email response that I received said Thank you for submitting an Income-Driven Repayment plan request. You may receive additional emails regarding the status of this request. At any time you can view real time status updates, make a payment and more through your online account at MyFedLoan.org/signin. Once your request has been processed, we will send a communication advising of the outcome. I did not provide paystubs or anything to verify my income, and I indicated in the application that my salary had decreased since last year, which means my tax information for last year should not be used. 

I did not check on the status immediately, but the first time that I did it said that they would review my request and I would receive a follow up email by XXXX. An entire month seems like a long time for what should be a very standard request and process for a student loan servicer, but I made sure to do this early to account for delays. The next time I checked the automated system, it said I would receive a response by XXXX. Not ideal, but still reasonable. The next time I checked on XXXX, it said XXXX. 

On XXXX, I submitted another inquiry through the online system saying that I expected a response by the first date I saw, XXXX. On XXXX, I received a response to my original inquiry through the online system a month earlier that said A request has been submitted to have the requested document sent to the email address on file. Please allow 5-10 business days to receive this requested information. We received your request for an XXXXncome-Driven Repayment ( IDR ) plan on XXXX XXXX. Once your request is processed, we will send you a notice with the results. I responded that I have not provided income documentation that would allow them to calculate income based repayments and have not received a response. I have checked the online system each day since, and each day their deadline for responding has been extended by one day. I am unable to get in touch with anyone on the phone because their automated system just tells me I will receive a response by this ever changing deadline. 

I am currently stuck in purgatory because of FedLoans failure to perform a basic service and can not proceed with the mortgage process. I do not even have a reasonable date for when I will be able to because FedLoans deadline keeps changing with every day they fail to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04
Company: CMRE Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is in response to complaint XXXX. CMRE Financial responded to my initial complaint yesterday and stated they sent me validation yesterday as well, but failed to respond to my secondary complaint which is that they are not bonded or licensed to collect a debt in the state of IL. By Federal law, if a collection a gency is not bonded or licensed in a particular state to collect a debt, they legally have to delete all accounts from all credit reporting agencies. If they fail to do so, I will be pursuing legal action with my lawyer. This debt will need to be deleted ASAP. This has nothing to do with the validation they are sending me, this is a separate issue. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Navient Solutions, LLC.
State: MD
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:
I keep having problems with how Navient is handling my payments. I have complained several times and talked to people from various departments and it's still not resolved. I keep paying the bill based on the set amount determined by my income based agreement. Then I get multiple notices stating that they didn't receive payment or its late and they charge me late fees. I paid all payments before the date they told me I would acrue late fees. I recently received a letter dated XX/XX/2021 stating I didn't pay the XX/XX/XXXX bill. I did pay that bill. They took my payment and applied it to the XX/XX/XXXX bill so that they could charge me late fees. I paid the XXXX and XXXX bills already and XXXX knows where that money went. Maybe they used those payments to pay XX/XX/XXXX since they're just snatching my payments and using them however they like. This is the last time. I want this resolved or I'm writing a letter to the Attorney General. I'll also get a lawyer and contact the press and any advocacy group I can find. This has been so stressful for me and I can't take it anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I attempted to apply for credit with XXXX on XX/XX/2018 - I was declined by the company via an emailed adverse action letter/notice and the reason given was NO CREDIT REPORT FOUND - I was instructed to contact Experian since their soft pull return such - I contacted Experian numerous times on XX/XX/2018 and kept getting wrapped up in the automated phone system - after reaching a representative at XXXX the woman instructed me there was an extended fraud alert on my credit file and she would have to generate some security questions in order to remove the alert - upon waiting on the woman to come back to the call after being placed on an extended hold time - she asked me one security question and then the cal disconnected - I was on the phone for 23 minutes - I called back and reach another representative named XXXX that informed me he couldnt generate the security questions so I asked for him supervisor whom I was told was XXXX XXXX the supervisor instructed me he couldnt pull the security questions either and now I had to submit some documents to resolve the issue which would now be time consuming - there should be no reason that one agent is able to pull-up security questions and another can not forcing the consumer to go through more inconvenient steps - it should be further noted I asked for the extended fraud alert to be removed almost over a year ago from todays date when I had a similar issue regarding potential creditors not having access to my credit report because of the alert status. Experian continues to inconvenience me where Im having to make multiple calls into the same company to still have the same issue and have no resolve. Now speaking to XXXX on XXXX XXXX and still not attempting to help me. XXXX then transferred me into a voicemail box for a supervisor named XXXX then call was dropped. 

Each time called today was : XXXX - 4 minute call XXXX - 23 minute call XXXX - 56 minute 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 non-monetary relief
Consumer complaint received 2021-02-01
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received a statement from American Express for my credit card showing a balance of {$510.00} with a closing date of XX/XX/21. A payment for {$380.00} was processed on XX/XX/21. In addition, I redeemed an rewards balance of {$120.00} on XX/XX/21. 

I received an e-mail from American Express on XX/XX/21 showing a balance of {$510.00} with a payment due XX/XX/21 and a minimum payment of XXXX. 

I logged into my American Express online account to verify that the payment and redemption had processed. The online balance showed a negative {$.00} for the account balance. 

I contacted customer service online. Two different representative insisted that I had to pay the {$120.00} because that was the statement balance after the payment. I was told that I would incur a finance charge and late fee if I didn't make the payment by XX/XX/21. 

I was also told that the rewards would process with the next statement and they would refund the payment. 

At no time was I given a reason as to why I should have to make a payment on an account with a negative balance. 

I believe that being forced to make a payment or penalized for not making a payment when the account is XXXX is a regulatory violation. I also believe that this is a result of a poorly designed process or system that allows American Express to collect customer money when it isn't due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-01
Company: Experian Information Solutions 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:
Experian continuously violates federal law by reporting inquiries that are illegal, inaccurate, and misleading. 

Inquiry ; XXXX XXXX service : Inquiry was not approved by me ; violation No credit or loan has been awarded ; their were no probably cause for inquiry.

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 2021-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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 called transunion to remove two inquiries off of my credit report and they refuse to help me. The two inquiries are fraudulently. The first one was from XXXX XXXX XXXX XXXX and the second one was from Kohls on XXXX XXXX. I really need these off my credit report with XXXX. Also I reached out to XXXX  to remove inquiry off my account and the refuse to help me as well. Its from XXXX XXXX on XXXX XXXX also was fraudulent. Can you please help me!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01
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:
Checking my report and I noticed some accounts are opened that I never opened the information doesnt even look accurate either I contacted the creditors they have no information of mines to provide back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XXXX I paid off my debt balance. In XXXX there was interest put on to the account that was not communicated via email or mail. I paid it at the end of XXXX ( well within 30 days ).  Capital One has now charged me a late fee and has also put a mark on my credit score. 

I have tried contacting them regarding the charge, they did not offer any assistance or information regarding the late charge. I spoke with a representative and a XXXX, neither of them could even provide me with details of the charge. 
The representatives ID was XXXX and the managers ID was XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
There is a 30-day late reporting on my son XXXX XXXX XXXX ( last four of SS # XXXX ), wife XXXX XXXX XXXX ( last four of SS # XXXX ) and my, XXXX XXXX XXXX credit reports due to a clerical error. 

We have a mortgage loan with XXXX XXXX XXXX ( XXXX ). There is a 30-day late that occurred in XXXX/XX/XX/XXXX. An auto mortgage payment to XXXX ( account # XXXX ) for the property located at XXXX XXXX XXXX XXXX XXXX, WA XXXX, was missed in XX/XX/XXXX, because XXXX cancelled our auto-payment when XXXX shut down the old website and did not set the auto-payment back up when they launched their new website. 

Also, XXXX did not send an email specifically informing us to re-register our auto-payments on their new website. We received an email on XX/XX/XXXX with the title New Website is Coming Soon. Buried in the second paragraph of that email was the wording, you'll have to re-register even if you have a user account on our current site. It said nothing about our auto-payment being cancelled if we didnt re-register. It also did not specify exactly when the new site would be launched. On XX/XX/XXXX we received an email titled, Our new website is live! Check it out! Again, there was no mention of our auto-payment being cancelled. 

We purchased the home in XX/XX/XXXX. We made our first payment in XX/XX/XXXX and made every payment on time through the auto-pay feature, scheduled to pull from our account on the XXXX of each month. XX/XX/XXXX our auto-payment was made. The XX/XX/XXXX auto-payment was not made because the auto-payment had been cancelled by XXXX. We discovered the missed payment just seven days later, on XX/XX/XXXX. We made a one-time payment that day, then created a new account on the new website and set up a new auto-pay that is working great and no payments have been late or missed since. 

Because of the lack of clear communication from XXXX, both my son XXXX ( last four of SS # XXXX ), who is the owner of the home and my wife XXXX ( last four of SS # XXXX ) and my ( we are co-signers on the account ) credit took very big hits. Wed appreciate any help to remove the late payment from our credit reports. Thank you for your time and consideration.

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 2021-02-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, Someone made a purchase at a store I had never been to with my credit card information in the amount of {$2600.00}. When I discovered the purchase I immediately called the store to see what had been purchased and verified that it was not anything I had ever bought. I then called my credit card company ( Chase ) and informed them of the fraudulent transaction. A Fraud claim was initiated and my account was initially credited back, but several weeks later the sent a letter saying that I had 'benefitted from the transaction ' and the charge was re-applied to my account. I have in no way benefitted from this transaction. The item purchased was an item that I have never purchased. I can prove my whereabouts on that day. The credit card company did not bother to do even a cursory investigation of the facts prior to ruling against me. Instead, they are hoping for inaction on my part to stick me with a charge that I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: DISCOVER BANK
State: MA
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:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation