BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-31
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
On XXXX XXXX I originally called to make a payment and while speaking with the Navient representative she gave me advice on lowering my private XXXX XXXX, not " Navient '' loans. She stated I can have them sent to be processed at interest only for 2 years taking my payment from {$650.00} to {$540.00} ( Interest only ) per month. To get started I needed to pay for a 3 month forbearance so I would n't have to make any payments until the " interest only '' request was complete in about 30 business days. According to the advocate the forbearance was also needed to protect me from accruing any late fees while the request was being processed. I concurred and paid {$150.00} for the 3 month forbearance ( XXXX-XX/XX/XXXX ) on my XXXX ( $ XXXX/loan ) private loans. The XXXX XXXX representative read me my terms and agreement stating I will have a 3 month forbearance covering XXXX then my new payments of {$540.00} will start. I thanked the caller and ended the call. On XXXX the XXXX I called XXXX XXXX to check the status of my " interest only '' request because I had n't received anything via mail updating me. I was then told, my request was denied because the loans have to be in the first 5 years of repayment and I was over those years because the loans were taken out in years XX/XX/XXXX-XX/XX/XXXX. I was also informed that my Private loans were past due. When I ask for the reason why they were past due, I was told my account was only processed for 1 month forbearance. I explained to the representative of the information I was given by the last representative who took my {$150.00} payment for 3 month forbearance and read me the terms and agreement. I was told, " Ma'am, you are only offered 12 consecutive months to do forbearance and you only had one month left. We ca n't give you what you do n't have. '' I ask the rep how I was supposed to know this information. I explained the reason for me calling Navient and speaking with was rep was to get assistance and I had confident I was being told accurate information. All I was repeatedly told was " I apologize, but we ca n't give you what you do n't have. I spoke with a supervisor who kept giving me the same information. '' I ask to file a complaint, so the supervisor promised me a call back within the next 7-14 business days once she filed my complaint. As of today, I still have not gotten a return call nor has my account been adjusted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I was an authorized user on my mother 's Kohl 's card. I was told by my loan officer that I needed to be taken off in order to get a home loan. On XXXX my mother, the cardholder, called customer service. She spoke to XXXX, and he told her I would be taken off and a letter would be mailed. We never received a letter. So on XXXX we called customer service again and talked to XXXX in XXXX. She reported that I was still on the card as an authorized user and that she would take me off that day. She reported that Kohl 's has a " no emailing '' policy. So she could not send me an email confirming this. She said I would get a letter in 30 days confirming this. This is 2016. I highly doubt there is a no emailing policy. All my loan officer needs is one email from Kohl 's saying I have been taken off. The XXXX housing market is hot. I am incurring money damages with each day I am unable to finalize my loan. I am losing my chance to get a home loan because of a kohl 's card that is n't even mine. I believe there may be an unfair business practice underlying their constant refusal to take me off as an authorized user. They have not reported my status to the credit bureau even though I have asked them twice now. This is having a significant impact on my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Capital One. They sold the account some XXXX times over and was paid through my taxes. Each time they update it per your law that states Federal Law FCRA 623 ( a ) ( 5 ) cb ( iii ) Pursuant to CA law they are going beyond the statue of limitations as well ( full disclosure act XXXX ( 3 yr statue of limitation. This is year 7 It is listed as Capital One sold to XXXX XXXX another new date of XXXX was taken off on XXXX and then finally sold a XXXX time to XXXX and started a new date of XXXX. They have yet sold it again to a company out in XXXX, CA All of this is illegal and they are not following federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: Stallings Financial Group, Inc.
State: GU
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was supposed to paid worker compensation because I was injury but Stalling fin Group put this debt on my credit report ... .even when this debt was paid

Company response to consumer: Closed
Consumer complaint received 2017-03-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have attempted for five years to have 2 liens from XX/XX/XXXX and XX/XX/XXXX removed from my Equifax credit report as they have been satisfied. I have gone through Equifax directly but have been unsuccessful. I answered that I had not done so because I no longer have the paperwork from the last attempt, over a year ago. 
Attached are screenshots that show I have no current liens. Please do what you can to have these removed from my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX # 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 consumer reporting agency can not furnish a account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Per optimum outcomes letter dated XX/XX/XXXX they stated, You have not made the requested payment. We thus will continue our collection efforts. I am exhausted with communicating with optimum outcomes and credit bureaus to have these items deleted off my record and credit report as these were covered by XXXX. I called Optimum Outcome numerous times from XXXX to present time explaining that balance from XX/XX/XXXX of {$27.00}, XX/XX/XXXX of {$52.00} and XX/XX/XXXX of {$55.00} totaling {$130.00} were covered by XXXX. I have also called original provider XXXX XXXX XXXX, credit bureaus XXXX, XXXX and XXXX to state that these dates of service were covered as well. Please be sensitive to the fact that on XX/XX/XXXX XXXX I went into XXXX XXXX XXXX. ; I was put into an XXXX XXXX primarily due to a procedure called XXXX. The procedure performed caused my XXXX XXXX to XXXX due to XXXX XXXX in my XXXX. My XXXX lasted from XX/XX/XXXX to XX/XX/XXXX ; hospitalizing me until XX/XX/XXXX. After hospitalization, I spent my recovery at home and felt well enough to start looking over my financials sometime in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 my mortgage was paid in full satisfaction of the debt. I sold the home and XXXX XXXX was paid. I have two letters stating such. My credit report states the mortgage was in my Chapter XXXX bankruptcy ; however, as stated above, the mortgage was satisfied completely. I disputed the credit report with XXXX and TransUnion. They investigated, I submitted the letters from XXXX XXXX stating the mortgage had been paid in full, and the result was no change in reporting that the mortgage was included in Chapter XXXX bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card
Issue: Late fee

Complaint:
I set up a bill payment on XXXX XXXX that my bank did n't send out and I caught the error on XXXX XXXX, then promptly called to make the payment and waive the late fee because of a bank error, before any late fees had been assessed. I made a payment XXXX XXXX of my normal monthly amount of {$25.00}. I got XXXX calls, XXXX at XXXX, XXXX at XXXX and again at XXXX from them on XXXX XXXX. They had apparently applied the late fee to refund to the account balance rather than to the amount due, and they told me I now owed them {$65.00} by XXXX XXXX. They ( now speaking with a manager ) said that they wo n't refund the XXXX late fee until that amount is paid in full, and that they will apply it to the account balance. They said that I was n't being punished for the bank error on the phone, but this is just the way they operate. She also insinuated that I was in the wrong in asking her to fix my monthly amount due rather than applying it to the account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Re. Bank of America I am a B of A client for over 25 yrs. 
I will bullet point the issue so that it wont be a long email : - I needed to wire {$60000.00} for a deposit on a home. 
- The wire of {$60000.00} was to go to a bank in NY XXXX XXXX XXXX XXXX XXXX XXXX. 
- I called B of A and set up the account WITH a rep from the wire dept because when adding a recipient there are not enough fields to enter additional info such as final beneficiary etc. 
- The rep suggested I did the 3 day process instead of same day. At this point I had time so I agreed. 
- It turns out that 3 days = ACH NOT wire - XXXX XXXX XXXX was not set up for ACH only wire so they did not accept it but it has not been returned. 
- I called XXXX XXXX XXXX XXXX and they were helpful, I have an actual reps first and last name, XXXX XXXX at XXXX XXXX XXXX  XXXX XXXX XXXX He said he needed B of A to send a Letter of indemnity or to call him and give him the additional info. 
- I asked B of A to fax this person and they said they could not. 
- I called B of A yesterday starting at XXXX and was disconnected, hung up on, one operator said let me transfer you to the wire dept and I had called directly to the wire dept. 
I was told they can not fax, they can not email, they can not call. 
- I asked if I could call XXXX XXXX XXXX on the other line and patch them in and they said no and hung up. 
- I put in a complaint to recall my {$60000.00} and B of A said it could take up to 90 days! 
WE COULD LOSE THE HOUSE! ITHIS DEPOSIT IS DUE NEXT MONDAY. 
One manager said, we send the request to XXXX XXXX XXXX but some banks dont even check their emails so it could be longer! 
- I have been calling every day since XX/XX/21 I am out {$60000.00}!!!! They said it can take more than 90 days to resolve. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: AMERISAVE MORTGAGE CORPORATION
State: MA
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:
On XX/XX/XXXX XXXX Amerisave Mortgage Corporation inappropriately did a soft hit on my credit. I inquired about rates on their website without sharing my SSN. They sent me my credit scores stating they did a soft hit on my credit. I did not give authorization to check my credit. I called XXXX XXXX tel XXXX who sent me rates on my email after I inquired about rates on their website and he said that with my name and dob it is possible for Amerisave to do a soft hit on my credit. I want appropriate action taken against this organization and the soft hit reversed. They also kept calling me from 25 to 30 different phone numbers after that at night time and any time of the day. Every time I put a block they would call me from a different number. This organization is engaged in inappropriate behavior.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
TRANSUNION is illegally and unlawfully reporting information on my credit file. I 'm asking for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have 30 days to responded to my request. I also need TRANSUNION to present a certified final forensic audit in accordance with g.a.a.p, I.f.r.s. in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I also need them to present these documents from the following vendors/creditors : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On Equifax, XXXX, & XXXX, I sent Certified Mail Manila Envelope On XX/XX/2016 with all my dispute Information with the creditors reporting my negative credit history to be remove it has been over 6 months, and they have not acted on this documentation to remove all my negative information thru my certified letters to each XXXX, Under The Fair Debt Collection Practices Act .They are breaking the law. They want me to start new disputes. Which is unnecessary. Because of the certified mail envelopes sent to them proving these companies never responded to my letters by certified mail with in 30 days, never responded to me at all under the Law Of the Fair Debt Collections Practices Act. So I need all this negative information remove now, been six months no response. Only open new disputes. I am not going to resend & spend my time, and money, When they have all this proof & documentation from XX/XX/2016 that i have confirmation they receive all the documentation.Please help I need all this negative information remove again under the Fair debt collection practices act. Thank you, XXXX If need can supply you with my more personal info, and documentation sent to the By certified mail, I am applying for a mortgage very important Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Per a class Action Law Suit and Settlement Case # XXXX. Represented by XXXX XXXX, XXXX, MD I was included in a XXXX XXXX dollar Settlement won against Capital One Auto Finance for illegal practices re : Repossession by a Md Court Order. The Settlement was finalized in XXXX 2015. I have clear documentation that states that as part of the settlement ; derogatory, negative information will be removed for Plaintiffs and replaced with Positive Credit reporting via all XXXX credit bureaus. I am hopeful to upload this document for your review, in the event that is not possible please search XXXX Settlement and this has all the details. This is not private information and even more surprising that I to date HAVE ALL NEGATIVE REPORTING FROM CAPITOL ONE AUTO FINANCE AT THIS LATE DATE. The most disturbing part is as a consumer I have been harmed by recently being DENIEDCREDIT! In seeking Legal Counsel this is UNACCEPTABLE! I have tried to no resolve reaching XXXX XXXX whom I spoke to once and he ALSO confirmed this should have been resolved, I called endlessly to the Law Firm that handled the case for Capitol One, XXXX XXXX, XXXX ( XXXX ) XXXX I was bounced from voicemail to voicemail and completely ignored. I tried all attorneys mentioned in public documents regarding Capitol One and this Settlement! I reached all XXXX bureaus begging, calling daily all noted in phone records, for help launching several investigations and disputes only for them to come back saying Capitol One CONFIRMED THE NEGATIVE INFORMATION! This is completely exhausting and just down right wrong. It may not matter to anyone but it is impacting ME! as I can not sleep at night and am suffering XXXX over an issue that should have been resolved Months Ago by Court Order. The Bureaus collectively show NO EFFORT OR CONCERN AND HAVE DROPPED THE BALL! I HAVE SUPPLIED THAT SAME DOCUMENTATION MENTIONED HERE BUT no RESOLVE. I CAN NOT AFFORD AN ATTORNEY TO FIGHT THIS BUT VOW TO FIND SOMEONE THAT WILL ASSIST. This is not right!! Please assist! My credit report for ALL XXXX bureaus after careful research should read as follows : CAPITOL ONE AUTO FINANCE, INSTALLMENT LOAN, HIGH CREDIT {$18000.00}, PAID AS AGREED, SHOWING NOT LATE STATUS! Any efforts towards expeditious resolution in this matter is GREATLY appreciated. THIS IS NOT A MATTER THAT CAN WAIT THE NORMAL 30 DAY PROCESS I HAVE AN APPLICATION PENDING AND THIS SHOULD HAVE BEEN RESOLVED MONTHS AGO. I NEED UPPER MANAGEMENT TO TAKE CHARGE AND GET THIS STRAIGHT. I at this point not only have anguish over this but now have damages as I have spent numerous hours of time calling, scanning, printing, downloading reports, postage, mailings etc. I am beyond livid as this is UNACCEPTABLE. ITS ALL IN WRITING BY COURT ORDER! COMPLETELY EXHAUSTED AND IN DISBELIEF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-07
Company: MiraMed Revenue Group LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX sent their invoice to my secondary insurance carrier ( XXXX ) for more than a year -- and not to my primary insurance XXXX. I made two phone calls and sent FIVE letters telling XXXX that they had to bill the PRIMARY insurer first. I even made sure this was changed when I was AT the doctor 's office. I do n't know if they never did this, or if they waited the year and a half before they did so, but at that point ( 1 1/2 years after the dr visit ) my company changed insurace to XXXX. Apparently now XXXX is not paying since it is so long since the original visit -- and I ca n't blame them. XXXX is at fault for not billing the correct insurance company in a timely manner. I would be willing to pay what I would owe AFTER what the insurance would have covered, but I am not willing to pay this entire $ XXXX bill that is XXXX 's fault. They have now filed with MiraMed Medical Group, a collection agency to collect this bill and this company is not interested in how this came to be. I 'm about to buy a house -- and I have a STELLAR credit rating -- so I do n't want this diminishing my credit score! Please help! 

I do have copies of the letters I have written, but would need to take cell phone photos and email them to you, I do n't have a scanner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
On Friday, XXXX XXXX, XXXX, I submitted an Identity theft report to XXXX. This account was documented in the Identity Theft report that was provided to XXXX on XXXX XXXX, XXXX. The account in question was for a collection company called XXXX XXXX XXXX for an XXXX account. On XXXX XXXX, XXXX XXXX removed this account. 

On XXXX XXXX, XXXX, XXXX added a collection account from a collection company called Enhanced Recovery Company. Enhanced Recovery Company is attempting to collect the same debt that XXXX XXXX XXXX was attempting to collect which was a fraudulent account documented in the FTC Identity Theft report, the police report. 

Enhanced Recovery Company has never sent me any notification of the debt for me to verify or dispute. I learned the collection through a credit monitoring service. I googled their contact information and called them on XXXX XXXX, XXXX. They claimed to have mailed a collection letter to an address that I have not lived at since XXXX. Enhanced Recovery Company also claims to have called me on several occasions but said Enhanced Recovery Company never left a message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
By claiming to be a factoring company, they are alleging that they purchased the debt when it was not in default, meaning they were an innocent purchaser. I want to XXXX + days late REMOVED. You can not legally report lates and you know this. You are reporting XXXX + days late, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX The delinquent date from XXXX  XXXX was XXXX I have NEVER entered a payment agreement with MidLand Funding XXXX 
When a debt buyer re-ages a debt, it often falsely reports new account activity, such as recent payment delinquencies, or it might alter the date of your account, such as changing the date you opened the account or last made a payment. 
I have NEVER disputed this old collection. Out of the blue your agency is now reporting consumer disputes this is a lie and you are wrongfully reporting false information on my credit report. This needs to be removed immediately. Each time the credit bueauers remove the dispute remark within XX/XX/XXXX hours Mid Land puts the remark back on my credit report.

Company response to consumer: Closed with non-monetary relief