BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-24
Company: Navient Solutions, LLC.
State: AZ
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:
All, Navient is a very corrupt company. I have been paying on my student debt since I graduated in 2007 and it has been 10 years. When I first got out of college I had to pay payments of $ 600- $ 700/month and the balance was n't going anywhere and still remained above {$100000.00}. Only when I was laid off and after several harassing phone calls from Navient which was XXXX at the time was I finally able to get themt o lower the interest rate from 5.25 % to 1 % and was late paying one payment and they jumped it up to 2 %. I have still continued making payments with an increased amount from {$400.00} to {$450.00}. Recently my contract ended with my employer and I am currently unemployed and actively trying find a permanent position. I finally discovered XXXX XXXX XXXX who is willing to help negotiate the debt except they are asking for {$730.00} every two weeks for 4 years which I obviously ca n't pay at the moment. While trying to discover new options to help pay down this debt I had to put a stop payment on my auto-pay for Navient for {$450.00} and I had to pay {$30.00} for the stop payment that last 30 days. It had n't even been 2 weeks and Navient pulled the money using a different Navient business name from my account on ( Saturday of all things ) and drained and over-drafted my account. I was of course furious when i found out and was n't sure how this happened given the stop payment and the fact that I also called them twice to have them delete my bank information and told them that I was working with XXXX to resolve my student debt. What they did is ILLEGAL to  change a business name and pull funds under another title for Navient which I was informed by my banker to how they did this. They also have me recorded for " quality assurance '' when they called me to inquire about not receiving their payment after I already called prior to inform them why I could n't make that payment and that I was working with XXXX. Navient has some nerve and because of this I am fed up with them thinking they can do what they want. I am contacting a lawyer in regards to this illegal action for charging my account without authorization and the numerous harassing phone calls as well. CFPB please contact me as soon as you can for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Convergent Outsourcing sent me email that my account with XXXX. I settled the debt with Convergent Outsourcing. Then XXXX kept sending me emails saying that I owed a balance still. The email from XXXX also said that I would be sent to collections. I thought that was kind of strange. I called XXXX and was told they never sent my information to collections. I paid XXXX to Convergent Outsourcing thinking I settled the bill. This was paid on XX/XX/XXXX. I also want to submit a complaint against XXXX for my information not being kept secure.

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 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 was unable to keep up with my monthly payments for my private student loan. I was paying toward the interest of the loan and not the principle. I needed help. I contacted inland debt management company to help me assist with the loan. They negotiated my student loan from {$85000.00} to {$57000.00} from XXXX XXXX XXXX XXXX. But XXXX sold my loan to XXXX. XXXX debt management company contacted XXXX and got my loan further reduced to {$27000.00}. Which is how much I paid XXXX. I completed the payments in XXXX of 2020. And now they gave my account to XXXX debt collection agency claiming I never paid them. They also opened a collection under my credit history as security credit services for {$57000.00}. I am trying to have this removed. Im disputing it with the credit bureaus. This is causing me to loose a home I was about to purchase and these people should not be allow to do business if they will do this to students who settle their 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
Consumer complaint received 2018-12-02
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2018 I disputed missing information on my XXXX credit report. I did a disputed with Caliber Home Loans the following is missing on the closed account " Recent Payment Amount '' there should be a pay off amount of {$100000.00} it just shows a simple line. When i disputed this with XXXX  it came back as remains on XX/XX/2018 this account is showing up as a negative item on my credit report. Because of this I've been turned down for a auto loan. If Caliber homes can not fix the missing information on my XXXX credit report im asking for this account to be deleted from all 3 Credit Reports XXXX, XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: CITIBANK, N.A.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XX/XX/21 I was notified by XXXX XXXX that a new charge appeared on my credit report. a charge of {$1000.00} was made. I contacted CITI Bank regarding the charge and I was told a balance transfer check was used for {$1000.00} plus a {$50.00} transaction fee. The account was closed a new card was issued and the case was turned over to the fraud department. As of XX/XX/21 I have never been contacted by CITI band regarding this issue. I have made several phone calls to CITI bank and requested to speak to someone in the fraud department regarding this matter. I was told that the fraud department did not have a direct extension to be transferred to. In the mean time i have been getting repeated phone calls/text messages/emails trying to collect the debt. I contacted CITI again and was told they are in the process of doing their investigation. On XXXX I contacted CITI again and got the same run around I requested that i be transferred to a supervisor in the fraud department. I was told that a fraud declaration form was mailed to my home on XX/XX/21 & XX/XX/21 none of which I received. I requested that the form be emailed to me so I could complete the form and return it Immediately I have yet to receive the form. When i got hole on XX/XX/21 there was a letter from Citi in my mail box stating the investigation was complete and that I failed to cooperate by not completing the fraud declaration form the letter also stated the findings will be report to the CRA. My concern is that CITI goes to extreme measure to contact me regarding a past due amount by any means possible why couldnt the same thing be done regarding the fraud issue.

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 2017-07-24
Company: Experian Information Solutions Inc.
State: VA
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:
My credit has been without a blemish for several years. I was a victim in the XXXX XXXX scam that affected thousands of others.Recently, I have applied and was approved for a lower interest credit card that would save me money and yet my FICO score dropped 63 points and I suffered because of it. Student Loans are high but I am current, never been delinquent and on a nonprofit forgiveness program and Income Based Payments. I have two mortgages that combined are much lower than todays ' average mortgage payment. One is a primary residence and another for a house that was inherited. ( rented out and paying for itself ) Had a credit issue about six years ago but recovered and have not been late since. Yet that all equals a lower FICO score. Yet all my debtors report good or very good. Something radically wrong with the system. Believe the system is unjust and needs revamping.

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 2020-01-03
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2017-07-24
Company: EQUIFAX, INC.
State: VA
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:
My credit has been without a blemish for several years. I was a victim in the XXXX XXXX scam that affected thousands of others.Recently, I have applied and was approved for a lower interest credit card that would save me money and yet my FICO score dropped 63 points and I suffered because of it. Student Loans are high but I am current, never been delinquent and on a nonprofit forgiveness program and Income Based Payments. I have two mortgages that combined are much lower than todays ' average mortgage payment. One is a primary residence and another for a house that was inherited. ( rented out and paying for itself ) Had a credit issue about six years ago but recovered and have not been late since. Yet that all equals a lower FICO score. Yet all my debtors report good or very good. Something radically wrong with the system. Believe the system is unjust and needs revamping.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Aldridge PIte Haan, LLP
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Section 803 ( 6 ) which states that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. ", " Aldridge Pite Haan , LLP '' hereinafter referred to as " XXXX  XXXX XXXX XXXX '' is a debt collector. On behalf of XXXX   XXXX XXXX XXXX, debt collector XXXX XXXX XXXX filed a lawsuit ( Civil Action No. XXXX XXXX XXXX XXXX ) in XXXX County State Court indicating that he is an attorney which is false and misleading pursuant to FDCPA Section 807 ( 3 ) on XX/XX/2019, on behalf of " XXXX XXXX, XXXX, XXXX '' hereinafter referred to as " the XXXX '' who is a debt collector pursuant to FDCPA Section 803 ( 6 ). On behalf of the XXXX, I was served a summons by a court process server which was unauthorized third party communication to the consumer pursuant to FDCPA Section 805 ( b ). On behalf of the XXXX, the court process server violated FDCPA Section 807 ( 11 ) by not disclosing in their initial communication with the consumer " that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose ''. XXXX XXXX XXXX XXXX has violated my rights as a consumer by violating several sections of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: DISCOVER BANK
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:
Hello, Discover credit has randomly decided to close my account without providing any proof as to why. I have submitted all the required documents they asked for, along with also getting approved for the card just a few months ago. This is completely unfair and this choice of " randomness '' will negatively affect my credit score. I'm not able to dispute this directly with them, which has lead me here. I am looking forward to receiving a resolution for this. 

- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: PA
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:
n accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1681 A Section 4 : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
n accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1681 A Section 4 : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-01-25
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My husband and I purchased jewelry at an XXXX  store on XX/XX/22. We wanted to get their credit card so we could make payments without interest. My husband was approved immediately. I was denied a card after completing the application and speaking to a representative. 
I received a letter in the mail from the bank on XX/XX/22 asking me to call them to verify my identity. I called and was again declined. I asked for a supervisor. I then spoke with XXXX. She stated that I was declined credit, there was no more information she could ask me to prove my identity, she could not give me a reason and that there was no one higher than her that I could appeal to. 
I believe this to be a violation of the federal equal credit opportunity act because my husband was approved immediately and I make twice as much money as he does and neither of us are in debt and we both have high credit scores. 
Everything points to age and gender discrimination.

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 2017-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received late fees/charges on 30 days in XX/XX/XXXX and in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ally Bank is reporting my loan account in charge-off status. That is not correct. I have made all of the payments as agreed.

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 2022-01-25
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
IC System at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX has been sending me collection notices in the amount of {$2200.00}. This collection has been reported as past due balance. I have never done business with this company. This company does not have a contact with my signature.

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 2022-01-25
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I completed my trial payments for modification with Ocwen. After completing the modification and approval process I called for the pay off. I lived out of the state of Georgia and hired a real state broker. Due to fraudulent activities the sale did not go through. Ocwen/PHH  and or XXXX XXXX  foreclosed without notifying me. I now have in possession copies of fraudulent documents stating I sold the home, stating I lived in the Midwest and was notified of a foreclosure despite not being behind. Because the home was sold and I was denied a loan on XX/XX/22 because of my previous home XXXX XXXX XXXX XXXX GA XXXX I am asking for the satisfaction and release of title ASAP. The documents loaded in the countys website show creative fraud in securing my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Section 803 ( 6 ) which states that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. ", " XXXX XXXX XXXX XXXX XXXX '' hereinafter referred to as " XXXX  XXXX XXXX XXXX '' is a debt collector. On behalf of XXXX   XXXX XXXX XXXX, debt collector XXXX XXXX XXXX filed a lawsuit ( Civil Action No. XXXX XXXX XXXX XXXX ) in XXXX County State Court indicating that he is an attorney which is false and misleading pursuant to FDCPA Section 807 ( 3 ) on XX/XX/2019, on behalf of " XXXX XXXX, XXXX, XXXX '' hereinafter referred to as " XXXX  XXXX '' who is a debt collector pursuant to FDCPA Section 803 ( 6 ). On behalf of the LLC, I was served a summons by a court process server which was unauthorized third party communication to the consumer pursuant to FDCPA Section 805 ( b ). On behalf of XXXX  XXXX, the court process server violated FDCPA Section 807 ( 11 ) by not disclosing in their initial communication with the consumer " that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose ''. XXXX XXXX XXXX XXXX has violated my rights as a consumer by violating several sections of the Fair Debt Collection Practices Act.

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