BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-30
Company: DISCOVER BANK
State: KY
Product: Credit card
Issue: Transaction issue

Complaint:
I got my XXXX credit card statement from Discover Card. There was a charge that I did not recognize on it. I called and reported it. They researched it and sent me a copy of the creditt card receipt. It had someone else 's name on it. Yet I am being held responsible for the charge. They advertise that you will not be responsible for charges that are not yours. Yet I am.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
When my loans were transferred from XXXX XXXX the balances increased greatly. The monthly payments are so high that you ca n't pay them and still live. It is also very difficult to get help when you contact Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: DISCOVER BANK
State: VA
Product: Credit card
Issue: Other

Complaint:
Discover Financial services is excessively running credit inquiries from XXXX. They are inquiring at least once every two weeks, in once case twice in ONE day, in a couple of cases, one week apart, and apparantly have done so for at least several years. They are no longer a creditor to me, has not been since XX/XX/XXXX, and I will never be a cardholder of theirs again. In addition, according to the credit report, they plan on continuing to be on my record until XX/XX/XXXX. I have since had another creditor raise my APR due to, at least in part, this excessive and needless practice. I need them to not only stop running these inquiries, but remove me from any list they may have me on as a prospective customer, and also need to remove themselves from my report altogether, as I have not been an account holder for over 7 years. I tried to report this to Experian, but their website is not working correctly to do so, and there is no actual phone number to contact a real person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-14
Company: DISCOVER BANK
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I AM SUBMITTING A COMPLAINT ABOUT DISCOVER BANK ONLINE. 
THEY DO NOT REQUEST ANY FORM OF ID TO OPEN A BANK ACCOUNT WITH WITH THEM AND SOMEONE FRAUDULANTLY OPENED A BANK IN MY NAME AND STARTING WRITING OUT FRAUDULANT CHECKS AND BOUNCING THEM. THEY SHOULD REQUIRE A LICENSE AND A UTILITY B BILL BEFORE OPENING ANY ACCOUNTS AND THIS WOULD NOT HAVE HAPPENED. THEY EVEN HAD THE WRONG MIDDLE INITIAL

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 would like my information on my credit reports to be verified and removed that are inaccurate because Florida is the capital in the world for identity theft I was a victim so I want proof it was me I asked the  XXXX  different credit bureau to verified my inaccurate information they just issue a fuard alert

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 2016-09-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently reviewed my credit report and notice several errors. Several items do not meet the Fair Credit Reporting Act guidelines nor has the companies reporting the information validated and verified the allege debt for example XXXX XXXX ( never validated the allege debt ), XXXX XXXX XXXX ( never validated the allege debt ), XXXX ( never validated the allege debt ), XXXX XXXX XXXX ( company has reported different information to every credit bureau, company admitted the deed was never recorded with the county nor have they provided legit documents ). There are several unauthorized inquiries reported to the Credit Bureau. I never authorized the inquiries nor do the inquiries fall under FCRA- permissible reasons. I sent Equifax a notice to remove the false and misleading information but I received no response. The said companies are reporting False, misleading, and deceptive information. The false and misleading information being published by the credit bureau has hurt my credit score, caused humiliation, and financial injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX XXXX, NC XXXX and these accounts XXXX XXXX XXXX XXXX and these others XXXX XXXX XXXX. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX rendered on XXXX/XXXX/2016 - it has now been almost a year. The hospital fraudulently billed. My insurance company paid the bill, the hospital billed me for the copay/balance - which was also incorrect. The hospital then sent the bill to collections. I notified the hospital & insurance company in XXXX 2016 that the bill was incorrect. 
I have maintained contact with hospital & insurance company and have been attempting to resolve the issue. In XXXX 2016, my credit score was XXXX, currently it is XXXX and continues to drop over {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The XXXX medical collection items date back at least XXXXfive years and may even be an illegal attempt to collect a bankruptcy debt, again. These VERY small debts {$20.00}, {$20.00}, & {$40.00} were paid directly with the creditor after appropriate corrections were made. Any outstanding debt is absurd since I 've paid, on a timely basis over {$10000.00} in other medical debts since 2011 alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received my credit report XX/XX/XXXX because I had finally become financial able to buy my first home. I saw that XXXX XXXX XXXX was on my credit report saying I owed them {$990.00}. They were reporting on a XXXX XXXX credit card that I did not have. I disputed both accounts with XXXX XXXX, XXXX XXXX XXXX and all XXXX credit bureaus. Neither company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both companies and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all XXXX credit bureaus to remove the incorrect information from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am in receipt of the attached Equifax report number XXXX, dated XXXX, and discovered the following reporting problems which Equifax is placing the blame on XXXX XXXX : 1. The FCRA requires creditors to provide their name address and telephone on the credit report to allow consumers to dispute inaccurate information directly with the creditor. 

Please note the number ( XXXX ) XXXX, XXXX is listing on the report does not provide contact with XXXX but is a telemarketing number, which not only blatantly ignores the law but selling products while doing so takes arrogance to a completely new level. 

2. Account # XXXX, is showing items as of date reported XXXX/XXXX/XXXX, date of last activity XX/XX/XXXX. The report was pulled on XXXX/XXXX/XXXX, how is this possible when payments are made each month on both accounts where is the data from XX/XX/XXXX to present? 
3. Account # XXXX, listed as no data available on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and shows no data on the account prior to XX/XX/XXXX, how is this possible when both accounts had been established since XXXX? Where is the data and why was this reporting information being withheld from Equifax? 

4. The credit limit on both accounts is {$3800.00}, on each account why is the credit limit on the Equifax , credit report listed at {$2500.00}, which is showing an inaccurate credit to debt ratio and lowers my credit scores. 

5. Account # XXXX, listed as no data available on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, how is this possible when payments are made each month, where is the data from these months and why is the information being withheld from Equifax. 

6. Account # XXXX, is showing items as of date reported XXXX/XXXX/XXXX, date of last activity XXXX. The report was pulled on XXXX/XXXX/XXXX, how is this possible when payments are made each month where is the data from XX/XX/XXXX to present and why is this information being withheld from the credit reporting bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax removed/corrected dates ( DoFD ) on a old XXXX account per this dispute. Several days later they restored back the old information with even earlier dates and worse payment information without the required notification that they were adding back the information they had previously removed under the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28
Company: Caliber Home Loans, Inc.
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sent request for information, about XXXX, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once. 
.pdf # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: Stellar Recovery, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I was placed on collection for a non-existing debt of XXXX fro the amount of {$740.00}. I called XXXX to verified that I owe them nothing and of course I do n't but XXXX has this wrong information on my record and wont remove it. XXXX is the type of company that if you do n't pay them will cut your services so there is no way a person can have such debt with XXXX. 
I am in the process of entering the police academy and this inaccurate information can ruin my career.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Stellar Recovery, Inc.
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX has been using " ghost '' collection agencies to continue to harass me for months. XXXX, XXXX XXXX, and Stellar Recovery are in fact XXXX XXXX employees falsely claiming to be collection agents. What they are doing is making an end run around the Fair Credit Reporting Act. Notwithstanding my best efforts XXXX XXXX has yet to provide me with written proof of this debt even after multiple written requests for this information. Stellar Recovery has called my cell phone over XXXX times and has yet to provide me proof of 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 2015-03-24
Company: Stanislaus Credit Control Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was charge for services not rendered. Letter sent explaining issue. Physician in XXXX at XXXX Hospital, XXXX XXXX, Ca refused to treat me, so I went to another facility. They are trying to collect on services not rendered. XXXX XXXX XXXX XXXX and CA XXXX XXXX XXXX have turn the claim over to a Collection Agency, Stanislaus Credit Control Services , Inc. in XXXX, CA.

Company response to consumer: Closed
Consumer complaint received 2015-09-22
Company: Northstar Location Services, LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
In 2007, I had leased a vehicle through XXXX. At the end of the lease terms, I requested to continue ownership and make payments on the vehicle since the car company was no longer in business ( XXXX ). My request was refused. I surrendered the vehicle at the company 's request and continued to make payments. I fell behind on payments since I needed a vehicle to get around ( based on my location and XXXX ), I entered into another car loan agreement. When I began to remit payments on the surrendered vehicle, my payments were refused and returned electronically by my bank, as I was advised that my account had been closed and charged off. Subsequently, I was contacted by an outside collection agency regarding the balance. I made payment arrangements with the XXXX and had submitted payments as agreed. Sometime after I was sending payments, my payments were being returned to me by my bank - after contacting the outside collection agency regarding the returned payment, the XXXX advised that they no longer had my account and I needed to contact the company, Ally. I contacted XXXX, and the representative advised that they did not have access to my account since the account was closed/charged off. This left me at a disadvantage to remit payments. As a result, my credit score plummetted as XXXX and the collection agency reported that I had defaulted on my payments. I attempted to resolve the debt, but the payments continued to be refused. Recently, I have been contacted by another outside collection agency requesting a different amount from the original balance. I have requested detailed information from them including, but not limited to information on how they came up with the amount they are trying to collect, verification that the statue of limitiation has/has not expired, proof they are authorized to collect in my state, which they have not provided. They only sent a copy of the lease agreement and a statement with a different amount that they are attempting to collect.

Company response to consumer: Closed
Consumer complaint received 2016-04-11
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have tried to get XXXX assistance with SLS servicing for 7 years. They lost my paper work for 7 years. when they finally came to a conclusion and agreed to give me a loan modification I was un able to afford it. I found a real estate agent and listed my property. 
SLS is refusing to give me ample time to sell it. Short sales take a while but not 7 years like SLS took. I want to get me sale date postponed and they refuse. We have a ready and willing buyer but needs a little more time to get the loan approved by fannie mae. it is a improvement loan and buyer need to add husband so the loan has to go back to underwriting. we asked for 30 day extension and they flat out refused. saying the investor has n't been paid for 7 years but that 's not my fault they are the ones that strung it out. 
SLS was so forceful in foreclosing my homer last year I had to file many complaints. like this XXXX. They are unfair and not abiding by the rules.

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 2015-06-26
Company: Robinson, Reagan and Young PLLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was contacted by the firm of Robinson , Reagan & Young ( RRY ) regarding a disputed debt with XXXX XXXX. In their letter dated XXXX XXXX, 2015 RRY indicated that they would not submit negative information to a credit reporting agency about this credit until after 30 days had expired. I was notified by a credit monitoring service that RRY filed a collection notice with XXXX on XXXX XXXX 2015 ; with XXXX on XXXX XXXX, 2015 ; and with XXXX on XXXX XXXX, 2015. RRY failed to follow the terms of their letter and provide me with 30 days to contact them before reporting to the credit reporting agencies.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Stanislaus Credit Control Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I never recieved this bill could be it was never forwarded to my new address. But if this is a medical bill it should have been covered by my insurance.

Company response to consumer: Closed
Consumer complaint received 2015-10-16
Company: IQOR US INC
State: OK
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
They have now sent and got information about me through my bank and will not leave me alone they are threatening me everyday and they stole my personal information from my personal bank

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-30
Company: Michael Haynes & Associates, LLC
State: DC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was asked to choose XXXX item that best describes my issue however multiple issues could have been selected. The latest one that has me seething is they called my mother in law pretending to be conducting a background check on my company. Asked her if my husband was in fact my husband, asked her how many employees I had and asked for my phone number. Then he called my husband to tell him I had a debit. They have not produced a document proving this debit is mine. I have repeatedly told them I know nothing about this - and to please send me actual documentation and I 'd be happy to pay whatever I actually owe. They call me EVERYDAY. I called them yesterday to make the phone calls stop and this bully named XXXX XXXX said all kinds of crazy nonsense - that if I was a XXXX he 'd be willing to settle this debit right now. Asked me what I did for a living - told me I was rude and uncooperative when I would n't engage in personal conversation. He 's a bully. And a liar.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: IQOR US INC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Allied Interstate contacted me after I had my attorney deal with Allied Interstate 's Client XXXX XXXX. There was an out of court settlement and the matter is confidential. Regardless there should have never been any form of communciation between Allied Interstate or and any third party agency representing XXXX XXXX XXXX. They ( XXXX XXXX XXXX XXXX was offered a ciece and desist during the confidential communications between my lawyer the collection agency client. The letter should have never been mailed. The debt should have never been sent to Allied Interstate. I believe that this is a form of severe harassment as outlined in US Code 15 Fair Debt, Collections Practices Act. As Allied has failed to respond to many written correspondence. I am informing your office amounf others and my acting attorney at the time for possible litigation against XXXX XXXX XXXX and XXXX and Allied Interstate. I am offering the company Allied Interstate an out of court settlement of {$5000.00} make payable to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX within the next 30 days.

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 2015-11-18
Company: Credit Plus Inc
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
This company send me a letter pretending to be my mortgage lender saying that i qualify for a reduction in my annual mortgage insurance premium. They ask me few question and told me that someone would pass by my house to sign some papers. I need to mention that they never identify themselves as an independent financial company, neither in the letter they send to my house they specified their name. Next day in my credit bureau it come out XXXX hard inquiry that i did not authorized or recognize from a company call Credit Plus. I call my mortgage lender and they told me to report this to the CFPD and to do n't sign any paper because they did not send or call me with this offer and provably it was an scam or and intent to refinance my loan without my authorization.

Company response to consumer: Closed with explanation