BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-23
Company: AES/PHEAA
State: ID
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
A couple of months ago I contacted American Education Services and I asked them if they could work on changing my payment plan. My wife just had XXXX and we are struggling to make all of our monthly payments. They told me that I've used up all of my forbearance which was when I first got out of school during the recession. Since then I've been paying close to a $ 900+ per month for about a decade which has not been easy since I have another student loan payment of {$1200.00} with XXXX. They told me that their is nothing that they could do and that they were not willing to help me in anyway. I've tried going to other companies to see if I could consolidate my private student loans but no one out there will touch it. The other interesting little fact is after all of this time I still owe roughly what I borrowed. So I'm stuck and I've been stuck with a variable interest rate. So after that discussion I decided to cancel my auto payment which is frustrating because now it is effecting my credit score and my parents since they are co-signers. 
The last thing that AES decided to do, is this month they ended up taking money out of my bank account after I cancelled auto payments. I went and double checked to make sure on their website that I cancelled auto pay and that I removed my all of my bank account information which I did. " AES '' decided to switch it to a direct debit without my consent. This seems illegal to me. 
These Private student loans have been an absolute nightmare for me and my family. The biggest mistake in my lifetime has been borrowing money for college ( Private Student Loans ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My spouse called in my behalf to resolve my account and attempt to avoid defaulting on my account. I recently qualified for income based repayment but continue to be passed due on my account. I do not understand how i qualified for ibr but am still expected to make such an extravagant payment to make it current and avoid default. I need help. I am trying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit report on XXXX  shows I have a collection accocunt with {$47.00} and I have totally no idea why this record is showing on my credit report. The only reason SOUTHWEST CREDIT SYSTEMS connect me to this case is because my name, XXXX XXXX, is exactly the same with the true debitor. SOUTHWEST CREDIT SYSTEMS did NOT verify additonal information before report this collection to my credit report and hurt my credit score. I never live in the address linked to this bill statement. It is very un-resposibile to report this collection under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Netspend Corporation
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Netspend Debit card masquerading as a Bank. 

As of today XX/XX/2020 as I'm writing ( XXXX. CDT ) I attempted to login to my online account. I have found that it is Locked and can not access my debit card information. I previously attempted to call them today only to be put on hold for 30 minutes before hanging up. These folks nickel and dime people to death, especially SSA Recipients who have direct deposit payments. My account was locked because of the numerous complaints I have had with their services, charging overdraft fees, disputing automatic billing of auto renewal payments for services I have been ripped off from. The messages/complaints I send are to a secure email account inside their ( netspend ) website that is also not accessible to learn the status of my account. I want immediate access to online services that I am not receiving as retaliation for sending and questioning NETSPEND about their practices, Disputing payments for services not received online. They have also increased the fees for overdraft patients from {$15.00} to {$20.00} in the past two months. They also " sit '' on direct deposits from SSA and allow only {$300.00} daily limit to access my own monies, resulting in more fees from the ATM/Bank. They are controlling not just my, but all SSA recipients monies held by them which I know brings them a large chunk of interest payments at Banks where the these deposits end up, using the US Government monies paid to NETSPEND CONSUMERS to collect interest on our direct deposited social security monthly payments. To put it simply, they are fleecing me and the people who use their services, and are committing some kind of fraud against NETSPEND CONSUMERS and that US GOVERNMENT. I WILL BE FORWARDING A CC OF THIS COMPLAINT TO THE IRS. Thank you. A NETSPEND account holder whose account is labeled as closed or locked, a Lost debit card, which it is not the case. This is what I get for disputing payments, retaliatory actions by NETSPEND, because the can.

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 2019-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 was given a free credit report I noticed there are accounts on there that are NOT associated with me, I have never went to any hospitals EVER and receive any type of medical service, someone has either used my name or fraudulently said they were me. Theres 3 accounts from XXXX XXXX XXXX in the amounts of {$710.00}, {$730.00}, and {$590.00}. I want to either see a valid signature and ID that was used to verify me and or said it was me, I want proof of all documentation that was received in order to receive medical services from the facility or hospital.

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 2018-11-29
Company: Professional Claims Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have on two previous occasions notified the collection company and the hospital that my only income is social security and I am unable to pay the obligation and my income is not subject to judgement. They continue to attempt to collect the debt and make threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own behalf. XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: State Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote and sent a Certified Letter with Read Receipt for debt validation to State Collection Service on XX/XX/XXXX at STATE COLLECTION SERVICE XXXX XXXX  XXXX XXXX, WI XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I have requested that STATE COLLECTION SERVICE provide me with complete documentation to verify that I owe said debt and have any legal obligation to pay them. I have not received a satisfactory response within the 30 day period for Debt Validation. ( 15 USC 1692g Sec. 809 ( b ) ). I asked for the following : 1 ) Agreement with the creditor that authorizes State Collection Service to collect on the alleged debt. 2 ) The agreement bearing my signature stating that I have agreed to assume the debt. 3 ) Valid copies of the debt agreement stating the amount of the debt and interest charges. Accounting of all charges is required. 4 ) Proof that the Statute of limitations has not expired. 5 ) Complete payment history on this account along with an accounting of all additional charges. 6 ) Show me that they are licensed to collect in my state ; and their license numbers and Registered Agent. 

On XX/XX/XXXX I sent a second Certified Letter with Read Receipt for debt validation to State Collection Service at STATE COLLECTION SERVICE PO BOX XXXX XXXX, WI XXXX. The communication I received both times as shown in the attached documentation they have provided myself - did not meet FDCPA requirements. 

The documentation provided by STATE COLLECTION SERVICE does not provide : There is no Chain of Title provided that in fact evidences Standing. 

The assignment, whereas, the assignment refers to the contract between original creditor and credit  collection agency, is to be established by a written contract of assignment, which can be established through multiple documents that are incorporated by reference into the contract of assignment. The contract of assignment, however, must contain the information required by the Illinois Collection Agency Act ( ACC ) including the date of assignment, the consideration paid, interest, charges, and all accounting of the matter and the identifying information for the account. 

Illinois Collection Agency Act Section 8 ( b ) ( 225 ILCS 425/8b ) Debt Collection Agency added to this Actrequires written agreement evidencing assignment of debt, recording of assignments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Experian Information Solutions 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:
I am upset and highly frustrated to know that there has been false and fraudulent reports noted on my credit report that i did not consent nor authorize! This is causing a lot of horrible delays with my employment and would like this to be taken off 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
Consumer complaint received 2018-11-29
Company: AES/PHEAA
State: VA
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:
Hello, I have been paying back my loans as required. Recently I received a bonus from my employment and tried to do the responsible thing here and put it towards my loans. I went into the system and paid off one of my loans entirely. Afterward I went back in to find that the amount I paid which listed the full amount I paid {$5100.00} did not satisfy the amount. In looking back at the records it details/verifies that the amount I paid was in fact the full balance ( Principal {$4900.00} and Interest {$280.00} ). However, they are coming up with an additional {$280.00} that I owe. It's pretty clear they essentially didn't zero out the interest amount when I paid. However, when I called them to rectify they claimed this was a hidden amount not reflected in the numbers they had generated in the system for me to view. The service representative I spoke to then proceeded to tell me if they make an error or find later on that I should pay more money they are allowed to do so. That would breach elements of the program and basic contract law. 

The loan servicer is : PHEAA ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX refuse to remove outdated information from XXXX XXXX XXXX/ On the file is shows XXXX. XXXX  stating delinquency is from XX/XX/2013. 

FLORIDA LAW REDUCES THAT TIME TO 5 YEARS FOR A WRITTEN CONTRACT OR PROMISSORY NOTE AND 4 YEARS FOR AN ORAL CONTRACT OR OPEN-ENDED CONTRACT/NOTE.

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 2018-06-21
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have had to defer my payments due to no income and a chronic health issue that has prevented me from being able to find employment at this time, I need some other options that are legit and not scams in order to be able to defer my payments out longer than the few months that the online deferment allows me to do until I am able to return to work, this has really stressed me out and according to my Dr 's they have advised me to go on this website to see if the Consumer Finance Protection Bureau can advise me of other options that are legit or reduce my payments to the very minimum until I am able to return to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2018, I responded to an online promotion ( XXXX ) that Citibank was offering : Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : 1 ) Within 30 days of opening your account deposit {$15000.00} into the checking or savings account. 2 ) Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. 
[ please see two " citi 400 '' attachments for details ] I was told the bonus will post within 90 days from the date I completed all of the requirements. 
I set up a new Citibank Account Package ( Regular Checking + Citi Savings ) on XX/XX/2018. 
I deposited {$15000.00} into my checking account, which cleared on XX/XX/2018 ( 14 days after opening my account ) [ see " XXXXk transfer '' attachment ], and left it in there for over 60 days. ( 74 days with a minimum XXXX balance ) [ please see attached, dated citibank statements ] It now has been 154 days since that {$15000.00} deposit cleared and I still have not had the bonus deposited into my account yet. 
I reached out to Citibank on XX/XX/2018 via their chat function ( as they have removed the ability to send a Secure Message regarding my issue ), and was told by representative XXXX, the bonus is deposited 90 days after the promotion requirements were fulfilled, you should get the bonus by XX/XX/XXXX. [ see " citi 400 log '' attachment for chat transcript ] It is now after the date quoted by the Citibank representative ( XX/XX/2018 ) and still no bonus has been deposited into my account. 
I have honored the terms of the promotion and feel the bank should be required to honor theirs. 
Thank you for your prompt support in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
This is the second time that Capital One has denied my access to the XX/XX/2019 statement. It is illegal to deny customers any access to their statements. Please take care of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2018-11-29
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
We bought a XXXX XXXX XXXX through XXXX, using their in-house financing solution, XXXX XXXX. Somewhere down the line, a new provider, Bridgecrest, acquired our loan. 

Since then, they have been texting me about this loan, nonstop. XX/XX/XXXX was the start of the exchange. Each time, the car loan was current with a scheduled payment already in place from a verified bank account with available funds. See below for the transcript. 

Them : Thank you for agreeing to pay {$290.00} on XX/XX/XXXX. If unable to pay, call XXXX. To opt out : STOP. Info provided is part of a collection attempt. 
Me : I don't consent to these kinds of text messages. Our bill is already paid Them : Your scheduled Bridgecrest payment of XXXX will be withdrawn from your bank tomorrow. To opt out : STOP. Info provided is part of a collection attempt. 
Them : Your Bridgecrest payment we discussed is due tomorrow. Call XXXX if unable to pay. To opt out : STOP. Info provided is part of a collection attempt. 
Me : Please stop Them : Thank you for your recent Bridgecrest payment of {$290.00}. Please visit www.bridgecrest.com for full details. For help : HELP. To opt out : STOP.

Them : Thank you for agreeing to pay {$290.00} on XX/XX/XXXX. If unable to pay, call XXXX. To opt out : STOP. Info provided is part of a collection attempt. 
Them : Your scheduled Bridgecrest payment of XXXX will be withdrawn from your bank tomorrow. To opt out : STOP. Info provided is part of a collection attempt. 
Them : Your Bridgecrest payment we discussed is due tomorrow. Call XXXX if unable to pay. To opt out : STOP. Info provided is part of a collection attempt. 

As you can see, they're sending these out without consent, which, even if given ( which, I doubt I had ), had been expressly revoked over a month ago. I am unable to resolve this issue without intervention.

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 2018-11-29
Company: Ocwen Financial Corporation
State: MO
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:
I had a junior mortgage that was discharged ( not-reaffirmed ) in bankruptcy in the mid-XX/XX/XXXX. This mortgage was originally owned by another loan servicer until XXXX  XXXX XXXX acquired the company. From the mid-XX/XX/XXXX to XX/XX/XXXX, this account has been on my credit report as an open account, included outstanding debt, and a thirty day late notice. I recently learned this practice is not allowed and constitutes multiple FCRA violations. 

Once I disputed these problems, Ocwen started cleaning up the credit reporting, but there are still longer term ramifications for these violations, like higher interest rates on vehicles and homes. 

I am currently working towards an amicable resolution for their willful negligence on the handling of my account. If we can't come to an accord, I may take direct legal action against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted by IQ Data International about a fee due. I gave them payment information to settle the fee of XXXX. The representative that I spoke with said they were located in Washington state. I asked for a confirmation email stating how much I owed. The address in the confirmation letter, when googled, is not the address to IQ Data International. After I spoke with the attorney general in Washington they said that the company does exist but they are not licensed. The company has tried to take the money 8 times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation