BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-08
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have stated multiple times that Navin t is not to contact me by phone at any time, including specifically being told not to contact my employer. A representative from Navient contacted a member of HR at my work and threatened them to turn over personal financial information about me. The HR rep was scared from the threatening tone of the representative. After that incident, I immediately told Navient that they are not to contact me at work. Today I got several blocked caller ID number calls at work and a threatening voicemail on my personal work line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: EQUIFAX, INC.
State: OK
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:
After realizing I had become a victim of identity fraud, I made contact with all three of the major consumer reporting agencies to inform them of this matter. In addition in included several dispute letters and also a copy of an identity theft report. Since reaching out to Equifax, they have yet to provide accurate verification and has failed to abide by the Fair Credit Reporting Act. It has been over 60 days and Equifax has not blocked or removed the fraudulent account in XXXX XXXX acct # XXXX. I have sent Equifax several pieces of documentation including a copy of my driver 's license, social security card, and utility bill with my most up to date current information supporting my claim. Equifax has failed to adhere to sections 605b, 609, and 611. It is clear my consumer rights are being violated and continue to be, in addition of my denial of credit due to inaccurate information being reported on Equifax 's behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
After reading the complaint and lawsuit from XX/XX/XXXX by the US Government, I want to formally voice a couple concerns I have with Navient. 

1. It was not until XX/XX/XXXX that I was made aware that my federal student loans had an option of income based repayment. I had a number of years where the loan was in forbearance and I was not aware of my options. 

2. Navient refuses to release the cosigner on my current private loans. One of those cosigners has been deceased since XX/XX/XXXX. It has been 7 years and no cosigner has been release even though I am on autopay. I have also raised my credit score to over XXXX points during this time period. It is time to release them. 

3. Navient continues to increase my smart option loan interest rate. This rate is over 11.5 percent at this point. Again credit score is going up as well as autopay however they continue to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2020 we requested a payoff and received a payoff of XXXX and was paid on XX/XX/2020 8 days before the quote expired and was deducted from our checking account on XX/XX/2020. Then was told we still owed XXXX per a statement and message on their system, We paid it on XX/XX/2020 and is just sitting there unallocated-unknown. still as of today. Now today we are told we owed XXXX stating they have unallocated funds of XXXX and stating after the XXXX is paid additional payments may be needed.

Bottom line we have paid 2 payoffs. And SLS owes us our excess escrow of XXXX XXXX they haven't applied to anything in 10 days in order to charge more interest.

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 2015-10-24
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
A card that I always used Had said it was it was deactivated contacted rushcard many of times would even get hung up on bounced around no solution given and I ended up receiving an eviction letter from my landlord there 's money missing off of my account there is double charges and still no answers I have XXXX children XXXX with XXXX and I 'm a single parent where we supposed to go and all we can get is no fees for certain amount of time and an apology

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I mailed a certified letter to AD Astra requesting the debt they claim belongs to me. 

On XX/XX/2020 I received what looks like a letter with original creditor and loan type, but no supporting documents or proof of signature baring this debt belongs to me. 

On XXXX XXXX another certified letter was mailed out again requesting the same information again, Also demanding that if this proof could not be provided that it this erroneous debt be removed at once from All reporting Credit Agencies. Yet again I was received on bill dated for XX/XX/2020 with the same bill that was I received in XXXX. This information still did not bare any proof that this debt belongs to me. 

At once I am requesting this information be removed from all of my credit reports. There has not been any significant proof that this debt belongs to me. I have reached out to Ad Astra in attempts to handle this with the consumer with out any success. I have provided proof of the two bills they have mailed baring no proof that this debt belongs to me. I have not received a signed contract or any signature for that matter as any type of proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: EQUIFAX, INC.
State: NY
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:
XX/XX/18 - A Fraudulent security alert was placed on my XXXX  Report, XXXX / XXXX. - A credit card For XXXX XXXX XXXX  was opened and I was never informed and Never Opened that credit account!! 

I didnt notice until I checked my XXXX  report that it was up there, but XXXX  removed it, Now I been dispute it was XXXX  but they no help and sent over all the info! 

THE QUESTIONS IS HOW THE ACCOUNT WAS OPENED IN THE 1ST PLACE WHEN A FRAUDULENT ALERT WAS PLACED ON MY REPORT?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: BARCLAYS BANK DELAWARE
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a pamphlet on an XXXX XXXX flight offering an opportunity to sign up for a Barclays mastercard. The information in the pamphlet explicitly offered XXXX miles and the waiving of the {$99.00} annual fee for the first year after opening an account using a promotional code XXXX included in the pamphlet and making a purchase. 
I applied, included the promotional code ( XXXX ) and was accepted. The Barclays mastercard credit card account was opened on XX/XX/2022. I made required purchases. I received the miles promised but was charged {$99.00} for the first year. I called numerous times but they refused to honor the {$0.00} intro annual fee for the first year as advertised in their pamphlet.

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 2016-06-03
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech made several mistakes on my account in the month of XXXX, including extorting an extra payment because they were refusing to cash a check. As soon as they received the extra payment, they cashed the check, essentially getting a double payment. They credited the XXXX payment towards principle. I can not afford to make principle payments at this time, so I asked for a refund of the principle payment. I was told by customer service that it would be done and it still has n't.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
I have been going back and forth with the credit bureaus about an account reporting on my credit report. It is for XXXX XXXX  Credit Cards. I PAID FOR A DELETION and they are still reflecting on all 3 reports. They have it displayed as a Chargeoff/Collection/Settled for  less than owed and that is not fair because I paid them to delete it off my credit reports entirely. They are reporting unfairly and incorrectly and it is an error they are reporting at all. I also want to submit a complaint against Capital One because they are reporting a late payment for 5 years ago in XX/XX/XXXX and they will not give me proof to verify this and do not respond to my written communication. Lastly, my last complaint I would like to submit is against XXXX  because XXXX is reporting 2 " XXXX  Mortgage Services '' inquiries in XX/XX/XXXX without my permission! XXXX won't provide me with any information regarding these inquiries and I would like to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: AFNI INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I need that I am not requesting a " verification '' I am requesting a validation that is competent evidence that I have some contractual obligation to pay you. 
Please provide at least the following information within 30 days from the date your receipt of this request for validation : 1. Name and address of alleged creditor : 2.Name on file of alleged debtor : 3.Alleged account # : 4.Address on file for alleged debtor : 5. Amount of alleged debt : 6.Date that this alleged debt became payable : 7.Date of original charge off or delinquency : 8. Copy of the contract and any amendments as this will show what the terms of the contract so I can see if you are following this in the amount you are trying to collect from me ; + 9. Was this debt assigned to debt collector or purchased? 
10. Purchased agreement if the debt was purchased so that I can see if you really own this debt : 10.Agreement that bears the signature of the alleged debtor wherein I agreed to pay creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collection agency is attempting to collect debt that I have no knowledge of. According to the collection on file, ARS Account Resolution based in XXXX, FL ( XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX ) is claiming I owe {$160.00} from XX/XX/2017. I was fully insured through my employer with a XXXX insurance plan and would not have incurred any medical debt during this time. 

This collection was reported to the three major credit bureaus ( XXXX, XXXX  and XXXX  ) and both XXXX  and XXXX  responded to my dispute stating that I had no knowledge of this debt and proceeded to delete the collection from my credit report. XXXX  has responded to multiple disputes placed by me by " verifying '' the debt but they have not sent me or given me access to anything that explains how this debt is tied to me. 

ARS Account Resolution has not responded to several letters that I have sent them citing Section 609 of the FCRA.

Having this blemish on my credit report ( especially when I have absolutely NO knowledge of it ) is hurting my credit and hindering on my financial independence.

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 2017-01-21
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have multiple loans through Navient and at some point XXXX XXXX. One of my Navient loans was placed into FORBEARANCE on XX/XX/XXXX. Since obtaining my first federal loan I have been in and out of college and in-between multiple jobs. Navient, XXXX XXXX, and Pioneer have all hounded me in regards to my loans ( by phone and mail ). During the time my navient loan was placed in forbearance I was not employed, living with my dad, and had XXXX income. I distinctively remember telling the woman from navient or XXXX XXXX that I had no way of paying and I did n't know what else to do. She stated forbearance was my only option. I told her I needed to think about it and I 'd call her back. She called ME back three times and on the third time I accepted forbearance. Every time I would talk to someone regarding these loans ( when I had missed payments/on the brink of defaulting ) I was always left clueless and helpless. On numerous occasions I explained I was unemployed with zero income and they 'd offer me some confusing deal ... never once suggestion an income-based repayment plan. It got to the point where I ignored their calls..they were no help. All my loans have defaulted at some point. XXXX/navient, at one point was calling me 2-3 times a day and my family members, even after I told them I had no money to pay and stop calling. All of this took place years ago between XX/XX/XXXX and XX/XX/XXXX, according to www.nslds.ed.gov. I do not know all the information regarding my loans but I believe my loans have been consolidated. I attempted to obtain more information from Navient but their website is n't responding and I am unable to get through on phone. Once again, my loan is on the verge of default. Feel free to contact me for more information. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 opened an a credit account w ith Capital One Bank USA NA i n  XXXX  of  XXXX . There was an immediate problem with me receiving my statement and I was marked 30 days late. At that time in  XXXX ,  Capital One was to cor rect this information on my credit bureaus but never did! I closed and paid off my account. I opened another account with them in  XXXX  with no problems until the present. They once again said they would remove the negative information ( per attachment ) but never did. I think they keep confusing th e two accou nts. The removal is to be fro the account ending in ...  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On  XXXX   XXXX ,  2017 , a shortsale packet was sent  to Penny Mac for their review. We followed up every 2-3 days throughout this process. I understand that the file was orig inally set up to review for a short sale, but was declined because the file needed to go through a " waterfall '' process wherein it would be reviewed for other loss mitigation options which the borrower did not qualify for nor did he request. An escalated " waterfall '' review was set up, and around  XXXX   XXXX ,  XXXX   XXXX  called in to confirm his financial information, at the request o f Penny Mac. O n  XXXX   XXXX ,  Penny Mac r equested thei r RMA a nd IRS form  XXXX . We had provided the standard  RMA  and  XXXX  forms, however , Penny Mac informed us that those forms, while standard, needed to be updated with the specific Penny Mac  forms, so we provided those on  XXXX   XXXX . Subsequent follow up  with Penny Mac s howed they received but did not process paperwork sent to them, so we resent the documents again on  XXXX   XXXX , and again on  XXXX   XXXX . We were then told that  XXXX   XXXX  had been declined from the " waterfall '' process and was eligible for a short sale. The next day, we were told that the short sale review could not be completed because  the " waterfall '' review took too long and put us within 37 days of the foreclosure sale date. Because of Penny Mac 's mishandling of the file originally with the wrong review track, and their repeated misplacing of necessary documents, their " waterfall '' review took too long and because of it, they failed and refused to reschedule the foreclosure sale date to allow the short sale review, though they have been asked, twice, in writing,  to postpone the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On several occasions ( XXXX ) I have tried to reach someone in costumer service today XX/XX/2020 I tried again to get through and was on hold for over 20 minutes and hung up. 

3 Years ago I have made no more than {$600.00} in purchases, and while making payments on my account with a {$9000.00} limit the interest charges are deducted from the credit limit and the interest was based on the balance each month. this left my interest and charge fess higher than my monthly payment which amounted to around {$240.00} each month. 

In all of this time the interest was so big that it completely eat up the limit balance on the card, which left in me in a vicious cycle of never paying down the money owed. with in 2 years I was able to get the balance down {$2000.00} and I asked Walmart Capital One to reduce the balance down. Now it is back up to the high bank fees and interest charges that have again gone beyond what I can afford monthly the {$240.00}. This is a unfair and infantile game that is forced on me as an consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: First Advantage LNS Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company asks " Send us proof that you have paid the debt and we will be more than happy to remove it from your credit once we have verified with the property that they did receive the payment. '' They should be showing proof that I owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I receive an " updated '' status from XXXX instead of a deletion. I originally disputed a series of student load delinquencies ( XXXX ) on my XXXX, XXXX, and Equifax credit scores. I have only missed XXXX payment to XXXX ( DEPT OF ED ), which is now paid to date, and they chose to report this late payment 9 times to the credit company. I have a fairly good score prior to this happening and I want to have it corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: NIC, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My daughter was seen at a XXXX XXXX urgent care clinic XXXX XXXX XXXX XXXX TX XXXX on XX/XX/XXXX. We received a bill on XX/XX/XXXX for a {$30.00} copay which was paid that day through the website listed on the bill. On XX/XX/XXXX I received a collection from Nemo 's  Investigations and Collections XXXX XXXX XXXX XXXX AZ XXXX claiming to be collecting on behalf of XXXX XXXX XXXXXXXX XXXX demanding the {$30.00} payment with {$0.00} interest and claiming that my debt will be reported to the crediting agency if I do not pay. I have attached my receipt from payment as well as the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX amount {$130.00} Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America Close my account not under the terms and aggreements written at the time of opening my account.

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
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing the inaccuracies on my credit report with all three credit bureaus. There are two items on my credit report that I have no knowledge of and, I would like to know how to have this matter resolved. I also disputed directly with the furnisher and they did not provide me with the correct information to validation the debt

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