BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-26
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
The creditor is Discover Private Student Loans. I was a co-signer for my son. The money was not used for tuition and education expenses, but for his housing and living expenses while in school. The loan does not qualify for protection because it does not meet the criteria under 523 ( a ) ( 8 ) of the Bankruptcy Code. The creditor was notified by the BK court, did not respond, and the debt was fully discharged in XXXX, XXXX. Now in XXXX, XXXX, I have started receiving collection calls ( XXXX ) trying to collect the debt. When I give them the BK info ( Case Number, Court where filed, Judge 's Name, and Date of Discharge ), they argue that they do not have to honor it because Student loans are not dischargeable. I 'm XXXX years old. My son did not discharge his debt to them and is still on the hook for it. He is currently out of work and struggling to get by. XXXX clearly shows the name and address of this creditor. There should be protection for us and a way to stop this from happening. Bankruptcy is stressful enough without having to relive it daily with collection calls for discharged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid debt in full to XXXX in XXXX 2014. I asked to make sure, was there any paperwork or anything I needed to sign, etc. To finalize everything. She said no. I went on my way and was never contacted about a " debt '' until about two months ago when I filed a dispute after realizing it was, for some reason, on my acct as a debt. I have contacted the current apartment manager, XXXX XXXX, who says they have misplaced my records and they never got filed but that she knows I paid it. I have filed dispute with the company and it has been denied

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This company broke the terms of the accord set by the check I sent them which they have already cashed. I informed them that I will be sending them a conditional endorsement check payment by sending them a letter last   XXXX   XXXX  , 2017. Attached with this complaint is a screenshot of the USPS tracking page where it shows, they received my letter last   XXXX   XXXX  , 2017. I then sent them a check dated   XXXX   XXXX  , 2017, which cashed. Clearly the condition on the check says, " to delete the negative reporting from my credit report for check to be cashed ''.
The check has been cashed and the negative information still remains. This is a violation of California Civil code. Please see attached files proving this company 's violation of the VIOLATION OF CALIFORNIA CIVIL CODE and BREACH OF CONTRACT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am attaching a letter I sent a letter to Equifax and   XXXX   XXXX   back on   XXXX   XXXX  , requesting that they investigate error on my credit report. I have not received a response from either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I'm currently in a process of a Re-Finance/Mortgage with another company. I received a notification from my Mortgage Broker and the Underwriter that Mr. cooper has place my account as a Disaster Relief Plan as of XX/XX/2021. I had not consent or had any knowledge of this ILLEAGAL ACTION, also they are not reporting my CURRENT NO LATE PAYMENTS FOR XXXX MOS. on the credit reporting system. This is defrauded the government money, defamed my credit and lied on my mortgage payments history. My Mortgage Broker and I was on the call with the consent of me that he may speak on my behalf, we ask them to correct and remove from credit reporting with a letter, within 24 hrs. as we are in the final stages of closing. They said no it will take 30days. This is from the rep XXXX XXXX stated she can only send a positive history transaction. in reference to this ILLEAGAL ACTION that they place " of their error. '' I was not affected by the COVID pandemics and I've been making my payments for many years. My family and I have reside in this home for 21 years. 
My Mortgage Broker had informed that NATIONAL STAR/ DBA MR COOPER has been sued multi times of defaming the government and their consumer base on the publications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.

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 2017-07-17
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have previously sent in a complaint on this matter and it was never resolved. NCB Management failed to notify me of their intentions to collect on a debt on behalf of   XXXX   XXXX   for an auto loan on a car I voluntarily surrendered in 2012 I believe. NCB Management said in the complaint response that notification was sent to an address listed on my credit report which never belonged to me and I made them aware of this in my complaint. I have searched the Florida Office of Financial Regulation and NCB Management is not licensed to collect on a debt in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Myself and my husband had our hardship resolved and was able to remain in our home after we were swindled by two real estate agents, long story short we applied for a loan modification which was approved this XXXX 2016 after paying the trial period amount of {$2200.00} for three month i called in to pay XXXX on the XXXX and was told the loan was now XXXX via the automative service, i immediately hung up and called back so i can speak to a live person who also assured me that this was my new amount and i will get adjusted information in the mail. 
On the XXXX i received a call stating i still owe XXXX i was just as confused as the person on the other end who took over an hour to pretty much tell me it was an error and i have to pay late fee and they cant help me resolve this issue.I called and spoke to over XXXX people and no one could give me a straight answer not to mention my XXXX statement came with the lower amount on it as well. 
Still confused and overwhelmed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My name is XXXX XXXX. Your collection agency is reporting an alleged account that does not belong to me. I am demanding account-level documentation to verify this alleged account as mandated by a recent XXXX opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been working with Navient for a few years ever since they went from   XXXX   XXXX   to Navient. Initially, they kept having me put my loans in deferment/forbearance and then stated that I had no other options for re-payment and just needed to pay what they were asking. After going back and forth with them they stated that they had a " income based re-payment plan '' that they could put me on. The payments were almost just as high and I still could n't make those payments. I 'm currently still on the payment plan but I am still having trouble making the payments and they say there is nothing more they can do for me. Sorry I do n't have dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Prosper Marketplace, Inc.
State: NV
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:
A XXXX account via Prosper Marketplace was charged-off in 2016. Prosper states on my credit report that the account was sold to a third party following the charge-off. The company that Prosper lists as the third party is different than XXXX XXXX who is the collections company purporting to collect on the same charged-off XXXX account that Prosper is reporting on my XXXX credit report. 

XXXX XXXX and Prosper XXXX are both reporting negative information for the regarding the same XXXX funded account. This is a duplicate reporting that creates an unfair negative impact from a single account. XXXX must remove the duplicate negative reporting.

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 2017-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On  XXXX  2016.   XXXX   XXXX   XXXX   repossessed my   XXXX   XXXX  . I spoke with the company about making arrangements to get the vehicle back. Never heard anything back from the company. After checking my credit report a few months later, I noticed that they are reporting an inaccurate or different amount as the high balance on my report. After calling and speaking with a representative, I was informed that the vehicle was sold and the amount listed is different from what they notified me of. The representative even stated that she can understand why I am confused because she is seeing three different amounts that they had given me. According to NC law,   XXXX   XXXX   was suppose to notify me at least 5 days prior to the sale of the vehicle in writing and also after the sale of the vehicle to notify me of the amount the vehicle was sold. I never received any correspondence in this regard from this company.   XXXX   XXXX   has violated my consumer rights and continue to list inaccuracies on my credit report without providing any validation of the debt to me as the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 am writing to dispute the following information in my file. I recently received a copy of my TransUnion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible   XXXX   (  XX/XX/XXXX  )   XXXX   ( XX/XX/XXXX  )   XXXX   XXXX   XXXX   ( XX/XX/XXXX )   XXXX   XXXX   (  XX/XX/XXXX  )  XXXX  (  XX/XX/XXXX  ) I have sent the company multiple letters trying to get this resolved.  XXXX  has resolved the problem but TransUnion has not.

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 2015-08-13
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Discover Card called my home to verify I submitted an application for credit I said I did not and they wanted my to verify my personal information. I said I would not since the phone number and name of business that ne was calling from said unavailable and that I had an issue with persons stealing my mail. He stated that Discover card did not have to protect me the consumer under the fair credit act. he placed some one else on the phone she said call me back at XXXX and ask for XXXX XXXX. I told here to send me a letter with the detail so I can protect my identity. She advised me that the application would be canceled but no details would be provide due to privacy law. So the bad guy is protected by the law while I get my identity stolen. 
Prior to this a credit card was stolen from my mail activated by XXXX and fraud charges were made $ XXXX. I reported this to XXXX XXXX XXXX they just said they would write it off. Complaint filed with the local police and with the USPS. Requested that the credit reporting agency place a alret on my credit and Discover is stating no such alert is present. How do I protect myself now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax has done the most repulisve and disgusting thing one can possibly do, after nearly 2 years of a contentious near legal battle going agiainst there obstence to block XXXX debts and accounts they have again proven there nefarious colors and reinserted each of the deleted accounts. Juding and juxtaposing the older Equifax statements you clearly see the agreement with them in blocking each of those accounts. 10 months later and now all of them are back. 
XXXX-These had been blocked in XXXX there are XXXX of them XXXX XXXX in XXXX XXXX-Blocked in XXXX XXXX-Blocked in XXXX XXXX-Blocked 7 months ago XXXX-Blocked 3 years ago Et aL, THE ENTIRE THING IS A MESS AND IF THIS ISNT RECTIFIED I HAVE NO OTHER CHOICE BUT TO COMMENCE A SUIT, I HAVE SENT COUNTLESS POLICE REPORTS, FTC NOTICES AND DONE ALL THE LAW ALLOWS, THESE PEOPLE DONT LEARN THEY ARE THE ONLY ONES WHO HAVE DONE THIS REINSERTION

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Experian Information Solutions Inc.
State: NC
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:
On   XXXX   2016.   XXXX   XXXX   XXXX   repossessed my   XXXX   XXXX  . I spoke with the company about making arrangements to get the vehicle back. Never heard anything back from the company. After checking my credit report a few months later, I noticed that they are reporting an inaccurate or different amount as the high balance on my report. After calling and speaking with a representative, I was informed that the vehicle was sold and the amount listed is different from what they notified me of. The representative even stated that she can understand why I am confused because she is seeing three different amounts that they had given me. According to NC law,   XXXX   XXXX   was suppose to notify me at least 5 days prior to the sale of the vehicle in writing and also after the sale of the vehicle to notify me of the amount the vehicle was sold. I never received any correspondence in this regard from this company.   XXXX   XXXX   has violated my consumer rights and continue to list inaccuracies on my credit report without providing any validation of the debt to me as the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: CITIBANK, N.A.
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
Dear Sir, Madame On XX/XX/XXXX22 I filed a dispute with XXXX, XXXX XXXX XXXX. 

I am currently a college student and I have never applied for a credit card with Macy's/Citi Bank XXXX 
I have been made aware that an account was opened and women 's boots were purchased, I have reported this error to, XXXX, XXXX and XXXX XXXX XX/XX/XXXX2022. 
Since then, I subsequently placed a block all three credit bureaus. 
I have spoken to several XXXXacy credit/Fraud agents to no avail! 

PLEASE INVESTIGATE THIS MATTER. 
Thank you, 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 monetary relief
Consumer complaint received 2016-08-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank, Citizens Bank, is trying to charge me an overdraft fee when I was not overdrawn at any time. When I contacted them, they said it was for a transaction from 5 days earlier, although my account shows that I was never in the negative. They tried to say that " maybe it was from a pending transaction '' although they could n't find it. They said they would research it and get back to me at a later time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-03
Company: Veripro Solutions Inc.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX of XXXX, I found the company Veripro Solutions who held a 2nd mortgage lien on my property. This was from my original mortgage when I purchased the property in XXXX. I paid it for a few months until I was diagnosed with XXXX in XXXX. I was unable to pay both mortgages and stopped paying the 2nd mortgage after requesting.

I was never contacted by the 2nd mortgage lien holder since I stopped paying it. It has been transferred a few times since then. I entered into an agreement on XX/XX/XXXX with Veripro Solutions to pay {$250.00} per month until a Bank they suggested would refinance me to include the 2nd mortgage pay-off of $ XXXX. The process with XXXX XXXX XXXX XXXX XXXX  started in early XX/XX/XXXX and not has been stalled because Veripro Solutions can not produce the proper paperwork for the Bank 's title company so the loan can close. I have spent $ XXXX out of the closing costs to keep the rate locked in with the bank@3.25. I have called Veripro Solutions, my account rep XXXX XXXX 4 times since this process has started and he continues to tell me that the investor will not produce the paperwork the title company is requesting. I was just informed again today that the rate lock has expired and I will have to pay again to keep it at 3.25 % Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: SYNCHRONY FINANCIAL
State: NY
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 got a credit alert from several of my monitoring companies for a credit card that I do have from synchrony bank. It was a paypal MasterCard. I 've been a loyal customer since 2010. I called to inquire about the 30 day late and was told I did n't have one. I then asked to speak to the manager and was put on hold. The call disconnected. A couple days later, I received a few more alerts, alerting me that my account was closed. I did a direct dispute with  XXXX . That 's the only report it 's on. The other   XXXX    Bureaus show no latenesses.   XXXX   claimed the information was verified. I ca n't dispute again.

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 2022-01-03
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: Information belongs to someone else

Complaint:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
This is the XXXX attempt I have tried, Ok her we go I attended XXXX university 2007. I originally went on a consultation and ended up enrolling with out a high school or G.E.D. I was told that they XXXX can not locate my documents to which my lender requires I 'm getting no help.

Company response to consumer: Closed with explanation