BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a fraud alert on my credit profile because of a lost wallet I applied for a Kohl 's Credit increase some time during XXXX. I didn't get a response online and I had forgotten. 
XX/XX/XXXX XXXX XXXX XXXX  incoming call from XXXX stating to be with Kohl 's Credit. 

I hung up. I logged into my Kohl 's Credit account and spoke with a chat representative that stated it was them calling regarding a credit limit increase request. I said that I will not verify information over the phone on an incoming call and would reply to a letter where I CALL THEM. 

XX/XX/XXXX ( I called XXXX XXXX XXXX replied to letter that arrived to provide them with more information, but instead the representative told me that I had declined to pursue the increase request and that they closed it as denied. I said that no such thing happened and that my receiving calls from unknown numbers requesting personal information was very uncouth and that it's not going to happen unless I am provided a more secure method. 

That evening I reapplied for the increase online that said it's declined. 

XX/XX/800 XXXX XXXX XXXX I received another call from Kohl 's, asking if I still wanted to qualify for a credit limit increase. I said yes and they told me that there was a fraud alert and I need to verify some information. I did my name, address, and they wanted my DOB and last 4 SSN. I SAID NO. This is exactly what I said last time we will not be verifying my information with strange numbers, especially when I just posted about this issue publicly online yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt collector " IC Systems '' sent a letter dated XXXX XXXX, 2017 notifying my daughter XXXX XXXX that she owes {$93.00} on a medical bill. IC Systems is collecting on behalf of XXXX XXXX. XXXX left XXXX XXXX 2017 to XXXX for 18 months and is out of state. 

ON XXXX XXXX, 2017 I called XXXX XXXX and confirmed that the debt had been paid. I then called IC Systems. 
I was very concerned that while XXXX was gone for 18 months that her credit remained in good standing. I told the representative that I was inquiring about why they sent the letter. The representative told me that if I was n't XXXX they could n't tell me anything. I told her that I was XXXX 's father and her legal representative while she was out of state on a 18 month XXXX. The representative became hostile and rude, and insisted that even though I was acting in good faith and was XXXX 's legal representative, she could not confirm the debt collection information or reassure me that the debt had indeed be paid off according to the Doctor 's office. I told her that I thought her actions were not right and that if her company sends a debt collection notice, when the legal representative calls to inquire, the debt collection agency has an obligation to confirm the debt amount, if owing. She insisted she could not, I told her I would then call the FTC and file a complaint. She said " Go ahead ''.

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 2016-01-29
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have already graduated from school. I have been dealing with the crook practices of Sallie Mae/XXXX since I have graduated. We have already contacted our local news station and after that they were willing to work with me. However, the person I have been talking with these past 3 years is moving positions and I had to return to calling the XXXX number for them for the rate reduction plan. Basically they are very unwilling to work with getting the payment to a manageable one based on my income, basically leaving me penniless between expenses and their payment, which would eat up the entirety of one of my bi-weekly paychecks. I expressed concern, bringing up possibility of emergencies for an example and they were extremely uncaring and did not want to budge. I am not unwilling to pay them, I understand that but they need to work with customers. I have had nothing but issues with them since 2011, even then they were threatening me and insulting my intelligence, basically calling me an XXXX, by one of their managers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: Navient Solutions, LLC.
State: OK
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:
I began repaying loans to XXXX/Navient XX/XX/2009. When the payment was too much for my beginning salary, the only option that was provided to me was an interest only payment for two years. I accepted a XXXX/mo interest only payment. Two years later I contacted because my loan payment returned to the original rate which nearly doubled my payment. Again, I was told that interest only payments were the only option, now for three years. After 5 years of paying XXXX in interest only payments, believing it was the only option, I am told by a Navient representative that I could have modified the terms of my loan, lowing the interest rate and extending my terms. Now I am paying XXXX/month with payments going to interest and principal. Because they did not inform me about the modification option, they have received an extra 60 months of interest payment without my principle reducing XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have my home loan through the Bank of America. The bank had been reviewing my account for several months for a workout plan. During this time, Bank of America continued to give me the run around and made negative reports on my credit report while they had my loan under mortgage assistance review. I have obtained mortgage assistance, but my credit is severely damaged because of the negative reporting. I would like for the bank to at least show no report or remove the negative marks during their time of review. They would not accept partial payments so therefore I could not make any payments when my account fell behind. I still have my home and am making payments on time. This can be viewed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
have a card with capital one / bass pro shop the company claims they communicated restriction information on credit card then entered permanent restriction on credit use. we can no longer use the card and they wont review it. the communication they claim was sent to me was never received. furthermore, i am current on my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In 2005, I refinanced my student loan through XXXX XXXX to a 15-year term. I have made consistent payments and I kept my account when XXXX XXXX split off into Navient. Yesterday, I received notice from Navient that the balance on my loan had been re-amortized for an additional 8 years. I immediately called Navient. The representative stated that new federal regulations required that the loan be extended, and that they just had not had the time to notify all of its consumers. Is this true? Are there new federal regulations that restrict the repayment terms of a federal student loan? Can Navient restructure my loan terms without my consent?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Progrexion Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
from : XX/XX/2021 to XX/XX/2021 paid creditrepair.com to help with my credit score. by removing derogatory remarks and to make my credit score number to appear and be available. 


need help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Sent my payment check number XXXX for {$790.00} and wrote on memo it was payment and account number. They applied it to my escrow account which they impound with payments and they applied they payment to escrow. I also sent a escrow shortage payment and wrote that on memo and they didn't apply that to anything? Now they state my payment was made on XX/XX/21 when it clearly cleared the bank XX/XX/21. These errors can affect my credit score and they refuse to correct dates.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
In XXXX of 2013, Bank of America indicated that the only way they would assist with a refinance on our mortgage was if we stopped making payments.This was repeated multiple times by multiple people at the bank - no assistance without evidence of financial hardship. They indicated that after applying through the TARP program and ceasing to make payments, it would take 3-4 months to renegotiate the loans. THREE YEARS later, we have just received an offer on the second loan, that is substantially above market rate and is nothing more than a 15 year amortization of the original loan. After the initial TARP submission, Bank of America Immediately sold the loan to a different servicer, requiring that we start over and resubmit the first mortgage application. They refused to consider a submission on the second loan until the first loan was negotiated. Re-doing the entire process with XXXX ( the new servicer ) took over 6 months. Once the trial period was over on that loan, we submitted the EXACT completed application that had successfully gone through underwriting at XXXX to Bank Of America. During the process, they lost paperwork, refused to believe they had paperwork, even when said paperwork was pointed out to them, showing on their own website, repeatedly closed the application for non-response, after taking 28 days to ask for the information, then closing the application 24 hours later, in some cases when the requested information had been uploaded to them days before they acknowledged receipt. Every time we approached a decision, they would come up with an entirely new set of issues and we actually had to submit a total of three applications prior to them offering a trial payment. The trial payment was offered with NO disclosure of terms whatsoever. We made the required XXXX trial payments, them made 6 more payments as it took the NINE MONTHS to generate loan documents. At this point, they have ruined our credit - still submitting to the credit agencies that we have not made one on time payment, when in fact we have made nine timely payments.

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 2021-07-02
Company: EQUIFAX, INC.
State: TX
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 letting Equifax know that the accounts for XXXX XXXX & the inquiries on the identity theft report are not mine & need to be deleted. I keep getting the run around and items still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been out of collage for over 20 years and owe more now on a loan I have been consistently paying then when I took the loan out. 
I am a XXXX who qualifies XXXX for Public Service loan forgiveness -- however -- due to the practices of a company I fortunately am no longer with I can not use this Shortly after I graduated my loan was sold to Sallie Mae -- I had no say in this and it took many years and law changes for me to be able to transfer my loan. 
I have a fixed interest rate at 8 % and Sallie Mae would change this at whim to as high as 40 % -- I often did not notice this till tax time -- when I would call them they would put it back but I was told nothing could be done about the accrued interest it was a computer error. 

Sallie mae told me they did not offer public service loan forgiveness -- or any other of the relief programs offered by the government because they were a private lender ( so I was unable to have an income based payment of any kind ) Recently about 2 years ago my loan was able to be move ed to XXXX XXXX XXXX -- I filled out all the documentation and for Public Service Loan forgiveness and I qualify for the time I have been with them ( my school qualifies and I am on a income based repayment plan ) -- however for the years I was not with them I did not qualify because I was not an an income based repayment plan ( through no fault of mine the company did not offer it and I did not choose the company I had no say in them getting my loan ) So even though I am no longer with Sallie Mae they are still drastically effecting my ability to repay this loan -- not only did the principle double while I was with them -- but they did not offer federal programs that would of allowed me to be nearly finished paying this loan. 

During the time I was with Sallie Mae I was in a better financial situation-and was able to pay my loan consistantly-Since XXXX 2011 my husband has become a XXXX XXXX veteran -- we have been living on XXXX salary ( mine ) I have had to place my loan in deferment in order for us to survive while we are working on getting him social security. Even though I support him XXXX financially I am not allowed to claim is as a dependent on my taxes which would help lower my income sensitive repayment -- -- -I do not know if you send information to the government on possible relief situations but for those XXXX XXXX persons or spouses of people with XXXX XXXX I believe there should be some sort of loan forgiveness program And as far as the public service loan forgiveness is concerned maybe some changes should be made -- -If a person meets the job qualifications they should qualify no matter what type of repayment schedule they were and are on -- -as I am sure Sallie Mae is not the only company that does not offer income based repayments Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am contacted at least 8 times a day by different phone numbers from the same student loan company. One that is received every night at XXXX EST. My number is from the the mid-west prior to moving to XXXX. The company is contacting me looking for my son who owes a student loan for Navient. I have told them how to contact him, and was told to give them their number to contact them. I let them know I would weeks ago, and I am still receiving the calls every single day. It is not my loan, and my son has also heard from them letting them know of his situation. These are the numbers contacting XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The last number listed calls at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Navient misused my information and unauthorized a double payment last XXXX on my auto pay plan. They tried to hide it by not having a scheduled payment in XXXX. I still received a notice for a reminder about a payment coming out in XXXX. I contacted them and received the money back for the unauthorized amount. I was told that if I send my bank statement to them that shows the overdraft fees that I received on my bank they would refund me the money. I still have yet to see that money. I then called them in XXXX to make sure there was n't a payment coming out. They had to remove it. I told them that I wanted the last XXXX scheduled payments on my yearly income based plan to be canceled. I also asked to have my banking information removed from my account. When I talked to them about the income-based repayment plan they tried telling me the only way to do it is to have automatic payments set up ; which is complete XXXX. My bank information is none of their business. In the last three weeks, my mother has received multiple phone calls on her cell phone and home phone. I have received XXXX phone calls and have also received multiple emails. This is a form of harassment and I am sick of this company. I will not pay them any money until they give back the money I am owed and placed on a payment plan that I feel comfortable with. The amount is XXXX thing but the way I pay the amount is a completely different thing. I understand the company is being sought by the Federal Government and feel I have been mistreated by this company. They have taken advantage of me and have illegally broken contracts! I took the money out from XXXX XXXX Bank at a certain interest rate. Navient then bought the loans and doubled, nearly tripled the interest rate. I never signed a contract with Navient and still have the original documents of the contracts I filed with the bank. My name and signature are on those. This is a definite unlawful act by Navient and justice must be made to them. They are profiting off of people like me. I was making payments and now I do not feel comfortable working with this company. I would much rather have my loans bought out and removed from this company than have to deal with them again. I am tired of the harassing emails and phone calls and going after my family needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They have called me many times saying I paid on a visa card from XX/XX/XXXX-XX/XX/XXXX from XXXX XXXX XXXX which XXXX XXXX XXXX bought. This has never been on my credit report and im not sure how they got my information, but I know for a fact this is not me because I was minor XX/XX/XXXX and I got my first credit card XX/XX/XXXX. They are very rude and telling me " I guess you are refusing to pay your debt '' and that I owe XXXX but they will settle for XXXX. This is not right!!! They call me daily ... this is not my debt. I have had identity theft before but not in XX/XX/XXXX. I was stil in high school.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My loan servicer is Navient. I received payment from my employer ( XXXX ) for last year to go to XXXX of my higher interest loans but they spread the payments out to all of my loans. I have called then multiple time ( probably 5 or 6 ) to get this straightened out. I finally got the money applied to the appropriate loan, but now I 'm not sure how much extra interest was added to the loan due to them failing to apply my payments to it. Is there anyway to find out if I was charged extra interest due to their disregard for my payment instructions?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
My name is XXXX XXXX and I unfortunately am a victim of the fraud at XXXX XXXX XXXX. I suspected and was very suspicious from the start of Predatory high interested loans in which caused me to default and keep putting in foreberance. I am unable to get a job nor has the school sent me on XXXX interview. There were also monies that I am owed through stipend checks that XXXX never gave me the option to receive. They just kept rolling it over into next semesters cost and fees without even giving me an option. I was the XXXX student to enroll and on paper at XXXX XXXX XXXX of XXXX, PA at XXXX XXXX XXXX, PA XXXX. The campus in XXXX XXXX was just getting set up under Director XXXX XXXX and XXXX XXXX XXXX. I was there for about XXXX semesters and they did n't even offer night classes which effecting me getting work and I had to turn down several jobs. I ended up switching campuses doing one semester in XXXX, PA and then a couple at XXXX XXXX, PA Campus before finishing up back in XXXX XXXX XX/XX/2016 in which I graduated with an XXXX in XXXX. The teachings were outdated, the books, literature and all were ridiculously expensive and has left me in dire financial straits. I want to sue for XXXX, XXXX and XXXX, mismanagement of funds, misuse of funds, predatory lending etc.. I want all of my loans to be forgiven subsudized and unsubsidized. I am also suing for monies owed. I would like to take part in this lawsuit and testify. They owe me lots of money! XXXX XXXX XXXX and XXXX XXXX XXXX took over in the end.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card
Issue: APR or interest rate

Complaint:
I received a XXXX Credit Card for 0 % interest for a year. When I got my statement I was being charged an outrageous amount of interest. I tried complaining to customer service and a supervisor to no avail. They even said they did n't have a 0 % interest rate offer. What do I do other than switch my statement over to another credit card. This sucks big time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation