BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-23
Company: GREAT LAKES
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
All of my original loans for XXXX school were obtained under the FFEL loan program. When completing my XXXX XXXX, the Public Service Loan Forgiveness program became available. I began repayment in XX/XX/XXXX under the impression from Great Lakes that I would qualify for PSLF, so I make career plans to work in XXXX in an academic setting,  balancing the lower pay with the opportunity for forgiveness. I contacted Great Lakes annually for Income Based Repayment ( which then became Income Driven Repayment ) qualification, a requirement for loan forgiveness, each year confirming that my loans would qualify for PSLF and I received confirmation each year from Great Lakes that my loans would qualify. Unknown to me, the federal requirements for PSLF changed in XX/XX/XXXX to require all loans to be Direct and serviced by XXXX XXXX. Had Great Lakes let me know I would have consolidated my loans in XX/XX/XXXX and completed payments. Instead, working under the impression given me by Great Lakes that my loan payments qualified for PSLF, I continued making monthly payments. This spring I checked in again with Great Lakes knowing my 120 payments would be complete soon after 10 years of payments. For the first time in 9 years of yearly checking with Great Lakes I was informed that none of my loans qualify and I am left having made minimal payments on my loans under Income Driven Repayment, accruing increased interest and leaving me with 6 more years of loan repayment, and no hope of loan forgiveness. I love my job but my financial plans are turned upside down because of the repeated and consistently bad advice I received from Great  Lakes. I have no way to know if the bad advice I received was intentional or simply benign neglect, but there is no doubt that Great Lakes received more income due to my intelligibility for forgiveness than if they had give me the information i needed to stay on track for forgiveness. I now have {$100000.00} in remaining payments that I never expected to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had several items post to my account on XXXX and BOA chose to post a {$600.00} draft that was sent to my account before all of the other charges last which caused me to have overdrafts that totalled {$150.00} and would only return {$35.00}. I was included in a class action suit in the past because of this very same action. It is horrible and time for me to leave this 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 monetary relief
Consumer complaint received 2018-12-15
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested that Ad Astra validate debt XX/XX/XXXX via XXXX XXXX XXXX and on XX/XX/XXXX they sent me a statement for payment in the amount of {$180.00} but still nothing validating that I owe this debt. This information is reporting to my credit reports inaccurately the Date of loan per the statement shows XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Capital One 360 Money Market account on XX/XX/XXXX with offer code XXXX. 

The exact wording of this offer ( which I have a screenshot of from the date of opening ) is the following : " To earn a bonus your account must be funded with at least {$50000.00} from a non-Capital One account no later than XX/XX/XXXX, by XXXX XXXX ET. If we determine that you satisfy the eligibility requirements, then we will post the {$500.00} bonus within 60 days from completing the offer conditions. '' In order to qualify for this bonus, I made the following deposits ( dates are taken from the date the transfer posted to the account as verified using the account management on the Capital One website ). 
XXXX : Deposited $ XXXX from XXXX XXXX  account XX/XX/XXXX : Withdrew $ XXXX back to XXXX XXXX  account XX/XX/XXXX : Deposited $ XXXX from XXXX XXXX  Account XX/XX/XXXX : Withdrew $ XXXX back to XXXX  XXXX  Account XX/XX/XXXX : Deposited $ XXXX from XXXX   XXXX  account XX/XX/XXXX : Withdrew $ XXXX back to XXXX XXXX   account XX/XX/XXXX : Deposited $ XXXX from XXXX XXXX  account XXXX : Withdrew $ XXXX back to XXXX XXXX account With these actions, I deposited a total of $ XXXX prior to the XX/XX/XXXX deadline, and had a balance slightly above $ XXXX on the XX/XX/XXXX deadline. 

Today is XX/XX/XXXX, which is not yet 60 days after I completed the requirements, so the company still has time to credit my account. HOWEVER, this week, I have contacted Capital One customer service ( once over the phone, three times over the chat support offered on the website ) and was told each time that I did not meet the requirements for the bank bonus and that I would not receive the bonus because I never had a balance of {$50000.00} in the account. However, the offer details never say anything about maintaining a balance but only state how much must be deposited before the deadline. 

I was told by the customer support person the first time I used the support chat that management had decided to clarify the offer after the fact and did not feel that people using cumulative deposits and withdraws should qualify for the offer. To me, this amounts to changing the offer to something different than it was when I signed up, which isn't right. I know of several examples of people getting the {$500.00} bonus by using the same strategy that I did to deposit over $ XXXX in funds, however, at some point, Capital One changed the policy. This is not " gaming the system '', this is a failure of Capital One to write a specific and clear offer policy. Consumers should not be punished for this. 

Please see screenshots for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: Navient Solutions, LLC.
State: CA
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:
My Mother gave me {$10000.00} ( via check ) to apply to my student loan. This almost paid it off ; left a balance of approx. {$5000.00}. One day I got a revised statement saying the re-capitalized my interest and my balance went up by {$5000.00}! 
I called and asked what happened. The person on the phone told me that the calculation was correct and there was nothing I could argue about. I told him I dont't think they applied my payment is the most advantageous manner, and that the way the applied it and then kept silent was incorrect. I was told that they system didn't make mistakes. 
I asked for a complete recap of all my payments and to see how all payments were applied to principal and interest. I got the run around and was told they could not furnish me the information without a legal request and a fee. 
I believe I have been defrauded by the way they applied my one big payment, and subsequent monthly payments based on how the big payment was applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just received a collection notice from XXXX XXXX dated XX/XX/2018, File # XXXX, Creditor : XXXX XXXX XXXX XXXX, Invoice # XXXX XXXX XXXX Balance due {$14.00} It's asking to notify within 30 days to dispute validity which I'm doing now. 

This is not my debt. 

I've never heard of this company. I've never had a creditor named XXXX, nor have I ever not paid any creditor for that matter. I have excellent credit and pay all creditors in a timely manor. I've never received any notice of monies due from this creditor ever.

I have a step daughter with the same name and know of other many other people with my same name and am not sure if this is crossed with another person 's credit, but this is not my debt.

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: Account information incorrect

Complaint:
Experian, XXXX  and XXXX  are reporting a closed paid account on my credit as closed with a balance. I settled this account and it is closed and paid and needs to be removed because it is negatively impacting my credit score. 

XXXX XXXX XXXX amount {$450.00}

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 2018-12-15
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: Old information reappears or never goes away

Complaint:
Since I am a veteran and it involves the FCRA in a very consumer-focused state, the Offices of Senator XXXX, Attorney General XXXX XXXX ( Governor Elect ) and Governor XXXX XXXX of Maine have all shown an interest in this situation, and most advice seems to lead to the FTC. Thank you in advance for any help provided. 

In addition to many other resulting expenses involving high interest rates on low value credit cards, difficulty getting a good job equal to my experience and education, and the inability to purchase or lease a car, XXXX just denied denied me a credit card because Equifax incorrectly reported my FICO score at XXXX instead of about XXXX as  it should be. All 3 bureaus refuse to repair their database models to fix this obvious problem. They dropped my FICO score by XXXX  in  XX/XX/XXXX by error and say they can't or won't fix it. Either way appears to me to violate the law?! I believe there must be tens of thousands if not hundreds of thousands in this same situation. 

An Equifax supervisor I spoke with admitted to me on the telephone they do and can not not adjust scores when it is proven to them and admitted by the billing entity that it made a mistake even when the original 30 / 60 / and 90 day late and collection in my case are removed at their request.

Today XXXX  reports FICO at XXXX, and XXXX  the same. 

The error was for an emergency room visit In XX/XX/XXXX the Veterans Administration should have paid. My FICO decreased due to one ER room visit that the VA owed as follows : 1. XX/XX/XXXX -7 ( collection-related ) 2. XX/XX/XXXX -XXXX  ( collection ) 3. XX/XX/XXXX -2 ( pre-collection ) 4. XX/XX/XXXX -XXXX. ( 60 days ) 5. XX/XX/XXXX -XXXX ( 30 days ) Total : -XXXX  This is a simple fix to a database program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: Buffalo Auto Acceptance Corp.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
i was financing a vehicle, make on time payments. Then in XX/XX/2014 i had a XXXX unable to work. contacted dealer to turn in vehicle and forfeit all moneys paid on vehicle. They in turn go through repossession, and resale of vehicle, before 90 days stated by repossession company, to re obtain vehicle if able to return to work. 
I then get letter stating the amount owed after sale. few weeks later collection letters arrive for more that first letter, almost double the amount. Then i get letters from a 3rd party collection agency for almost triple the amount owed. followed by letter delivered by a sheriff to my XXXX year old son for yet a different amount, almost triple. 
the dealer and loan company are both well aware of me having a XXXX and out of work since XX/XX/2014. and continue to harass with letters, threats and abuse since monthly. 
also on my credit report the loan was closed on XX/XX/2014, around the same time of resold. the vehicle was taken around mid XXXX. by the way completely different than the amount on letter, and sherifff documents sent to me. 
in my opinion, this is uncalled for, and abusive on dealer and loan company, can you check into this and contact me back at XXXX. 
it was stressful enough with the XXXX, then have to deal with this harassment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Capital One is reporting an account that is not in my name to the credit bureau. I was only an authorized user on the account but never gave permission to be a person financially responsible. I spoke with them last month and they told me I was taken off of the account. However, on XX/XX/XXXX they negatively reported it to the credit bureau again. This was not my account and they need to quit reporting it as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Experian Information Solutions 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:
Experian has re-inserted negative information on my report that has already been deem fraudulent and has been removed. They are in violation of the law. The following accounts are not mine and need to be removed : 1. XXXX XXXX # XXXX 2. XXXX XXXX XXXX # XXXX 3. XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Experian Information Solutions 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:
There is a XXXX credit account on all three of my credit reports that show charge off and late payments. I never had XXXX account and was never made aware that I am an authorized user. 
The account number on the credit report is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Capital Accounts, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital Accounts LLC has placed a collection on my credit profiles claiming that I owe {$260.00} to XXXX XXXX XXXX. I've never been to that facility as I DONT HAVE ANY PETS!!!!! It's ridiculous.

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 2018-05-17
Company: Experian Information Solutions Inc.
State: MD
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:
I have tried too many times to resolve this issue with XXXX. They have a LEGAL obligation to update my credit report with true information and they refuse. If my claim isn't taken seriously I have sought counsel and I will pursue a lawsuit. I think this route will be cheaper for XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
XXXX # XXXX XXXX : {$3000.00}. 
Bought on XXXX Merchant : XXXX I ordered medical surgical disposable face masks. All medical masks have to have a filter layer per FDA who regulates the medical and dental supply. This person that sold us masks through XXXX  sent us masks that did not even have a filter layer in the middle of the masks. The masks were 2 layers of screen material. you could look right through the mask and see threw the other side. 
All the masks were sent back to the XXXX XXXX, return to sender via XXXX. XXXX Did a pick up on XX/XX/XXXX pick up # XXXX We could not use any of the masks as they were not even of any value at all. 
We sent pictures of the masks cut opened to show it had no filter layer and thereby would have infected a lot of people if they did not see these were fake masks. It is easy for even the XXXX  person out there in the public to see that this was not a real mask. We have asked the seller many of times to take them back. But they did not want to at first. then on XXXX they said we could return them make sure we listed 3rd floor on the return address. But we had them sent as return to sender which means XXXX will send them back to the address listed on the package as the return address at seller/shippers expense. Again we have already done just that. 
We have also had some luck with another dealer writing a letter for us stating these are not even face masks. But again Capitalone would not accept that. they try to come up with any excuse not to credit us back. 
the Buyers Guarantee from the XXXX  website and the sellers Shipping Guarantee is if it is late past the 15 days we can get a full refund. We ordered it on XXXX it was not delivered until XXXX. So even under the Guarantee we are entitled to a refund!! Capital one does everything they can not to issue a dispute for the merchant in these cases with XXXX. I Don't know why. But they are making the American Public lose confidence in the payment system and credit cards. 
We have Disputed this with Capitalone 3 times now with no Help at all. and this is a fraud case.!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-15
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2017, my attorney wrote a letter to Lakeview Loan Servicing , LLC requesting the name of the new creditor/owner of my mortgage loan pursuant to 15 U.S. Code Section 1641 ( g ) ( 1 ) because it was securitized through a  Government National Mortgage Association. Lakeview Loan Servicing , LLC owns only the master servicing rights to my loan. XXXX XXXX XXXX XXXX  services my loan. Lakeview Loan Servicing , LLC wrote a letter of response onXX/XX/2017, and stated the following below in paragraph four : The note holder for these securities is not known to the public or to us.

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 2018-12-15
Company: Colony Brands, Inc.
State: PA
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:
This company continues to place negative, derogative, new and recent payment notifications on this account this account. I have been disputing continuously since XX/XX/XXXX. They have placed charged off new activity in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

How does a charge off account that was sold to a collection agency have late payments, past due amounts and balances and they probably filed an insurance claim for this loss also? 

I contacted this company and they ignore my request and refuse to correct the inaccuracies on my credit reports. 

I filed a dispute with the XXXX, XXXX  and XXXX they have not been any helped. 

I filed a dispute with the CFPB in re of XXXX, XXXX or XXXX   not disputing this account that is not being reported with 100 % accuracy. 

I am requesting that you tell XXXX XXXX to correct the inaccuracies on my account or delete this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Great American Finance Co
State: GA
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:
In XX/XX/XXXX I sent 2 request one certified and 1 email requested verification of an account, I also sent documentation of the request to all major credit reporting agency. After 45 days and no response from creditor, but getting notified by credit agency that my dispute was complete and verified as accurate, I filed a complaint with you CFPB the complaint was against the creditor reporting the debt and the creditors all 3 majors. I received response that the company was still working on my concern/complaint that was on XX/XX/XXXX, after speaking with someone at CFPB I was advised that my complaint would be sent over to the FTC for further action. I have submitted over 4 additional disputes in addition to the disputes submitted before I file the complaint, I have still not heard back for the creditor but all the creditor reports have been updated except for XXXX. The creditor held this account for almost 5 months and would not speak with me, the joint applicant filed bankruptcy but we were legally no longer together but I discovered the account was in bankruptcy via my credit report the refuse the balance that was on the account at the time of joint applicants bankruptcy but demanded the added additional fees, change the account type, dates and status several times. removed the joint applicant from the account and made it individual.

Company response to consumer: Closed with explanation