BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-31
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX I spoke with a representative from Sallie Mae regarding a missed payment and an account past due fee. I paid my past due amount during that call and the representative discussed repayment options with me. At that time I was on a graduated repayment schedule that from my understanding was a 15 year term at $ XXXX payment. During this particular call I was told about other repayment options but it was never discussed with me over the phone that changes made to my repayment plan would result in an extension of the loan to 27 years with XXXX additional years of interest only payments. On XX/XX/XXXX Sallie Mae sent information regarding those changes to my personal email account with the loan terms but I did not understand at the time that the changes were already in effect and how this would impact me financially. 

I have been under the assumption since XXXX ( when my loans became active ) that I was on a 15 year repayment schedule. I chose this schedule only because I was told that I didn't qualify for income based repayment and I could not afford the standard level monthly payments at the time. I was mislead into " consenting '' to an extended level repayment plan over the phone in XX/XX/XXXX. I would have never knowingly consented to a plan that resulted in 12 additional years of payments ( 27 years total ) and added interest. My loans are now owned by Navient and the information sent from Sallie Mae is no longer available for me to view. I spoke with XXXX today, a manager at Navient, and was told that if I change back to a standard level repayment plan it would now result in a monthly payment of {$1700.00} because of the accrued interest. The other option presented to me was to change to another plan that will result in 2 years of interest only payments all over again. Of note, I have worked in higher education since XXXX and was also told that I didn't qualify for public service loan forgiveness either because of the payment plan that I'm on. 

I attached a copy of my monthly statement. Since my loans are now managed by Navient I can no longer view past emails from Sallie Mae that described the repayment plan in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection Consultants is attempting to collect for a medical bill that does not belong to me. As part of my job working for the County of XXXX XXXX in the XXXX XXXX XXXX I am required to take minor children for medical attention. They are not my children and I have no legal responsibility for them whil they are in the care of the state. I have called Collection Consultants and explained that I am not responsible for these minor children and asked them to VALIDATE the debt they are attempting to collect. They have ignored every request for validation and yet continue to report this to the major bureaus despite my disputes. They focus ONLY on collecting and make no effort to actually determine if the debt is really mine. This is in direct conflict with the Fair Debt Collection Practices Act XXXX Federal and State of California ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
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:
I pulled my free annual credit report and saw an account on Experian I did not recognize called XXXX XXXX XXXXXXXX XXXX acct # XXXX opened in XX/XX/XXXX. I opened a dispute and the company maintained I owe this outstanding balance of {$960.00}. I contacted the company XXXX to find out what this about and they were very vague with their explanations and suggested that I dispute this through the credit bureau if I believe the date is incorrect. I opened a second dispute and just received word that the company is holding fast that this account belongs to me. In desperation I contacted the credit company this morning and it was while we were conversing that the agent on the phone call me Ms. XXXX? I asked her why did she call me that being that before anything could be discussed, I was asked for my name, address, and social security number. The agent then asked me again for my full name again and I reiterated XXXX XXXX. She asked me if I was ever known by XXXX and I said no. I asked again that they correct this error and was told I have to dispute it through Experian.

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 2021-02-23
Company: OneMain Finance Corporation
State: CA
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:
On XX/XX/XXXX, I called the One Main Financial office at XXXX XXXX XXXX XXXX, XXXX, CA XXXX with the phone number ( XXXX ) XXXX. XXXX answered me and I asked specifically for XXXX because she had helped me previously. XXXX told me that she was not available because she was with a client. XXXX told me I will take down your information and XXXX will call you back. 
After a few minutes, XXXX called me back and told me that my credit had been run. 
I told XXXX that I had not authorized this, and that they had only asked me for my name. 
XXXX forwarded the call to XXXX and said " I already did it. 
I called the company headquarters and explained what happened, and today Monday the XXXX, I received a call from One Main Financial and I spoke with XXXX XXXX and she said that she could not help me. 
I explained in detail what happened to XXXX and she told me that she believed her co-worker over me. 
This attitude is not ethical and not legal because they ran my credit without my consent and authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I filed a dispute with TransUnion and XXXX, I do not want my account to read " charge off '', the debt was sold to a credit collection company and I paid in full! I want it to only say paid in full not " charge off '', it hurts my score and when I apply for other cards. I also had both companies on my report. XXXX I paid in full. I asked my 2 credit card companies to remove the words " charge off '' it was paid in full!

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 2018-06-20
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2018, a fraudulent activity occurred in my PayPal account, where money got sent from my account to some XXXX XXXX in the amount {$1100.00}. 
I called PayPal about this transaction, and they recognized that this was a fraudulent activity. The amount has not been refunded, and after following up with Customer Service was informed that Paypal can not do more to get my back, because the merchant has refused to refund. I have sent two emails to XXXX XXXX ( CEO of Paypal0, but no response from him. 

I need help here, because PayPal is unwilling to rectify a fraud that occurred on their site. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-31
Company: Navient Solutions, LLC.
State: NJ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX FSA-ID Student Help Center Citrix XXXX Department of Education These are all the companies associated with this scam - which is essentially funneled through one company - XXXX aka XXXX. 

This all happened between XXXX EST to XXXX EST on Thursday, XX/XX/2018. 
The phone he called me from is : XXXX and the email he used to email me was : XXXX. 

The address signature and other info in his email is as such : Processing Dept Customer Service : XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX He proceeded to direct me to : XXXX, claiming he was working with the Department of Education, telling me my loans were being converted from Navient to a company called XXXX. I have saved all the emails. 

He also apparently created an ID for me in the website : https : //fsaid.ed.gov and hacked his way into that as well. I called FSAID and they were absolutely no help when I told them that my identity had been stolen and I was a victim of fraud. They kept me on hold for 10 mins and never once apologized for what was going on. 

The other emails came from : XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX The guys supposed name is XXXX XXXX. He told me he was working the department of education and federal government under the Obama and Trump initiative to help lower student loan payments for people in debt. I did fill out a form on their website and he called me directly and that is when he proceeded to impersonate a government affiliated official. He asked me for my driver 's license number, my social security number, my debit card account number, home address, email, mobile and finally asked me to email him 3 pay stubs from my job which have the last 4 of my banking account number. 

He scammed me out of {$500.00} that I was saving to make an interest payment on my student loans. What kind of person hears your story and then capitalizes on your pain? I'm sick to my stomach about this and can't believe I fell prey to such an evil person. Be aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX continuously periodically keeps running my credit as if I'm applying for a auto loan with them. This has been going on since XX/XX/2017! I have not given them permission to do so. When contacted I got no answer, company denied.

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 2020-05-15
Company: AMERICAN EXPRESS COMPANY
State: CT
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:
American Express is failing to credit my account for electronic payments made with my XXXX XXXX checking account. They are also charging my interest and finance fees before the regularly scheduled date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I initially contacted Bank of America on XX/XX/XXXX to start a dispute regarding a charge of {$1500.00} for services that had been canceled on XX/XX/XXXX. The original charge from XXXX XXXX  XXXX was made on XX/XX/XXXX as a deposit for services that would be provided on XX/XX/XXXX. As a result of the pandemic, the services were thus canceled, by myself, and the merchant then promised to provide a refund. As time went on, there was never any refund issued and I have since tried several times to contact the merchant with no response. 
Upon Bank of America 's investigation into this claim they concluded on XX/XX/XXXX that I am unable to be reimbursed due to the following reason : " The disputed transactions indicated in your claim are for recurring charges that posted to your account before you canceled the service. As a result, we're unable to dispute these transactions. '' However, this is not a recurring charge at all, but rather a service that I paid for that was never provided. Furthermore, the merchant, XXXX XXXX  XXXX can not provide any proof showing that in fact services were provided.

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 2018-08-31
Company: United Student Aid (USA) Funds
State: PR
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 paid in full the amount of {$4600.00} to XXXX XXXX XXXX on XX/XX/2018 after an agreement was reached with loan owner XXXX XXXX XXXX XXXX/USA Funds. XXXX informed that I will received a loan cancelation letter after 30 day of payment. I contacted XXXX on XX/XX/2018 and they confirmed payment was received and send to XXXX XXXX XXXX XXXX but they could not provide more information and that I have to contact XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX and they informed I have to contact XXXX XXXX XXXX XXXX XXXX XXXX because they are the loan owner. I don't have any information that names XXXX XXXX XXXX XXXX XXXX as the loan owner. After calling to 6 different phone numbers and contacting XXXX XXXX XXXX XXXX XXXX, I when back to XXXX XXXX XXXX XXXX which was unable to provide information on when I will receive a cancelation letter. These companies harass and play the game of exhausting ( " hot potato '' ) the people without any consequences and what is worse they keep doing business as usual with the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called ABILITY RECOVERY SERVICE on XX/XX/2020. To request validation of debt.

.which is showing on my credit report as being opened on XX/XX/2020. which is incorrect. I requested original creditor name, contract signed, and the amount of debt.

I received no response. On XX/XX/XXXX I disputed this debt with credit bureaus ( XXXX, XXXX, and XXXX  stating needed original creditor, and validation of debt. XXXX responded on XX/XX/XXXX stating debt remains and its listed as accurate.

Account Name ABILITY RECOVERY SERVICE Account Number  XXXX Date Opened XX/XX/2020 ( incorrect ) Status Collection account. {$2000.00} past due as of XX/XX/2020.

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 2020-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I traded in a XXXX XXXX XXXX  to XXXX XXXX XXXX XXXX in XXXX, NV around XXXX of XXXX. Now the XXXX loan was through capitol one and I received the full payoff amount so I could trade in this vehicle for my newer one and the full 10 day payoff was not submitted in time after i handed it over to XXXX XXXX XXXX XXXX. So I dont know if the check was lost between these two places or if one of the places decided to take their time to pay it off. However this was not my fault and I would love to have this negative remark off my credit because I was not late I gave the 10 day pay off it should have been taken care of and I should not have any late marks on my account for this account. Please take this negative remark off my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: EQUIFAX, INC.
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:
This Problem Goes back to a credit card with XXXX XXXX dated back to 2014 in which I had credit card protection to cover more than the Balance on due on the credit card. 

XXXX has a big Problem Honor Credit Card Protection. But they like removing from your accounts through auto withdrawals. after months and months of added interest and arguments and harressing phone calls frim XXXX XXXX and destroyed credit, they finally sent me a check small one to cove hal the balance no the full balance. because it was interest they accrued alway argueing with me not resolving. XXXX loves to sell the insurance polices back in the day and if you really do some home work XXXX XXXX has really hurt many people financially with these insurance policy. XXXX sold then and claimed XXXX they had no Financial responsibilty for them when the money went through thier bank and distributed to insurance company every 4 weeks, earning interest of every one else dollars. 

On XX/XX/2014, XXXX was being very difficult I decided to take them on myself, I fiked a small claims action sc XXXX and the Judgment was found in my favor of Me including some legal fees and expenses, then hired an attorney to read the aggreement betewwn XXXX and myself. The agreement would state that once received the money for the judgement frim XXXX XXXX XXXX XXXX XXXX. that all the trade Lines ( credit lines ( equifax, XXXX, & XXXX ) would be removed/ cleared that to the credit crds all social security numbers which were given to XXXX XXXX on XX/XX/2014 @ XXXX ) emailed XXXX. I have confirmation that XXXX XXXX to the credit Bureau, XXXX stated it would take 7 to 10days ( XX/XX/14 ) @ XXXX XXXX. and XXXX was going to verify this information. 

I went and vacated the Judgment against XXXX XXXX.. Today the Executive Office ( XXXX ) was rude with me regardig the XXXX application stating it was not my credit, it was a rude statement and it on all on my credit reports. from 2014 from XXXX Bank and this is exactly it. which clearly states it is all to be removed and not to be on credit reports, or to be connected. 
the is what I am stating that XXXX. is playing all t he time with people, they have the monolopy on the credit cards, so this has nothing to do with me my credit. this has to do with XXXX XXXX discriminating against me due to the fact they lost I won, which is actually., I paid for fully for emergency insurance. XXXX XXXX just does not like to Lose and money or interest, consumers work as hard too. If you believe in your heart your correct keep moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: KEYCORP
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently applied to increase the limit of our exisiting HELOC at KeyBank. This was denied, but I was told the decision would be reconsidered if I transferred ( rolledover ) my IRA to XXXX XXXX XXXX Is it legal for them to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My only account with Chase was closed on XX/XX/XXXX for " violating company policy '' but I have not used the account much other than paying 2 electric bills and the annual fee year to date. I am completely puzzled by why and believe this is a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
When I tried to pull all three of my annual credit reports on XXXX, they all yielded errors. When I tried to pull Equifax and XXXX, their site said an internal error had occurred and to try again later. 

XXXX  said something to the effect of " a condition exists that prohibits us from giving you your credit file online ''.

When I retried a week layer ( as is permitted under the new law to due with COVID-19 ), the website continues to tell me that i've already retrieved my annual credit reports " for this year '' and to come back next year.

There's a number of problems with that. As there is no way to contact XXXX ( other than to give feedback -- they say not to give phone/email/personal info, as they have no way of responding and will not respond ), I see no choice but to file a complaint with the CFPB.

Please assist me in sorting out the problems with XXXX.

Why does their system not let me retry when there was an error on THEIR side? I understand that the XXXX  situation was perhaps out  of their control ... but the problem with XXXX  and Equifax was *clearly* state to be an " internal '' error and to retry later. ( What does " later '' mean, if not right away or 7 days later? ) They do not appear to be aware of this issue with pulling credit reports. Ostensibly, they're still under the impression that I can only get them once per annum, but ( a )  that's not correct and ( b ) law permits me to get it weekly.

Company response to consumer: Closed with explanation