BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: NJ
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:
Lawsuits : 1. Federal Trade Commission Vs XXXX Status : settled for XXXX ( XX/XX/XXXX ) 2.Consumer financial protection Bureau vs Navient Status : Pending I am XXXX XXXX XXXX Veteran who went to XXXX University from XX/XX/XXXX-XX/XX/XXXX Racked up XXXX student loans which eventually end up with Navient. I also have about XXXX private student loans with XXXX XXXX while going to XXXX XXXX sold me a dream, I got a college degree in XXXX XXXX and I am now XXXX. It has been a nightmare to find decent paying job with my worhtless degree. FTC vs XXXX Stated that allegely XXXX misled prospective students with ads and touted high employment rated and income levels upon graduation. XXXX ended settling in with FTC for XXXX. 

Navient is now being suit by Consumer Financial Protection Bureau along with US Attorney General office, XXXX Attorney general and XXXX Attorney general for unlawful practices such as misallocated payments, steered people into costly plan and supply wrong information. 

These XXXX loans payments, XXXX with Navient and another XXXX with XXXX racked up very high interest plus my other unsecured debt which forced me into Bankruptcy XX/XX/XXXX. 

I learned the US attoney general filed a lawsuit agains Navient along with other Attoney general from other states individually. I would US Attorney General to come on board strongly to protect the interest of XXXX residents affected by Navient reckeless behavior and joint other states AG and file a lawsuit against Navient. 

I would like some relief or perhaps forgiveness on my student loans since I got stuck with a worthless degree and very high student loan debt. 

See Links XXXX CFPB Lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: EQUIFAX, INC.
State: OH
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 not received any verification on how you received the alleged accounts attached in Exhibit C. And therefore request that you consider this final notice to your offices. Past this point the FTC & CFPB authenticated my sworn testimony on my end. Which I will definitely present to The Courts if need be as evidence of me trying to get this situation resolved and rectify this subterfuge that you are reporting. 
I have not received confirmation nor a Testimony that your offices complied with the FCRA and its mandated rules when it comes to reporting accurately in 15 USC 1681 when it comes to accuracy and fairness when reporting. In which I did not validate nor give my consent for any of your companies to share my personal information to any bureaus or third party companies which are also violations. USC 6802 ( a ) & b & 15 USC 1692 ( d ) therefore you are to present me with a certificate testimony and copy that the alleged accounts in Exhibit C are Valid and not subterfuge. 
XXXX XXXX COPIED FROM AFFIDAVIT ATTACHED ) *******

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: Navient Solutions, LLC.
State: CA
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:
I had a loan through the US Dept of Education. I was unemployed and underemployed for a couple of years, and was behind on payments. I had to go abroad to find work in my area, XXXX. When I started making payments directly to the USDE in XX/XX/XXXX-XX/XX/XXXX, not all of my loans were listed. I paid off the one listed, sent emails to the USDE, getting no reply, asking if about the other loans. On the USDE XXXX program website it just said that there were no other loans to be paid at the moment, so I really did n't know what was going on. I then later heard that Navient had bought my loans - when my loans went into collection in XX/XX/XXXX. The following year I went through more difficulties as another student loan service, who I paid to help me start the process of rehabilitating my loan, failed to complete this job twice. So I started rehabilitating the loan last summer, after a year of trying to get it done through XXXX ( the name of the company ). 
My complaint is about Navient. They sent me no mail, no emails, and there was no information from the US Department of Education that Navient had bought the loan. The loan balance in that time went from around {$62000.00} to what is now {$130000.00}, through Navient 's neglect to send me any information, and XXXX failure to process the rehabilitation papers. I was making payments in good faith in XX/XX/XXXX-XX/XX/XXXX until I had paid the loans listed. My attempts to find out what had happened yielded nothing. Last year I wrote a complaint letter to Navient, but they denied any wrongdoing. The loans were for XXXX school at University XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am a XXXX and I have a large amount of debt from XXXX school. I have been on Income Based Repayment ( IBR ) since I started XXXX in XXXX XXXX. Later in XXXX, when it was time to re-apply for IBR, I filled out all of the paperwork and submitted it on time. I received confirmation that my paperwork was received, and ultimately it was approved. When my first bill for XXXX XXXX came, it said I owed over {$1700.00}, where my payments listed on the IBR approval were only ~ {$400.00}. I called and was told there was nothing to do and that I owed the $ 1700+. I requested to talk to a manager and was repeatedly refused until the person finally agreed. I spoke with several managers, and was repeatedly told that they did n't know why, but my IBR payments do n't start until the following month. No one could tell me why, since the paperwork was on time. I told them that I could not pay it, and they repeatedly said that the only option was to put my loan in forbearance. I told them I should not have to do that because I can make appropriate IBR payments that have been approved, but they said the only way to not have to pay that $ 1700+ was to enter forbearance. They told me they could put it in forbearance for just a day, then I could make the IBR payments. I did not want to be placed in forbearance since that messes up my consecutive payments and also uses up my forbearance, but they gave me no other option. 

Additionally, my first year of IBR my payments were ~ XXXX per month. The following year, where my income increased by over {$5000.00} per year, my payments were ~ {$180.00}, which did n't make sense to me how that could happen. I called multiple times to make sure I was paying enough, and no-one would tell me how it was calculated or why the new IBR would be lower given my higher salary. I explained why it did n't make sense, and the people agreed it did n't make any sense. They told me not to question it because the payments were lower. I am now concerned that these payments will not qualify for federal student loan forgiveness programs. 

Every time I call them, I get a different answer for the same question, and I have been told multiple times things that are not true. I feel like they are always trying to get me to go into forbearance. Now all those documents are gone, because they only post them online. I did n't think to print them, and they are gone after 12 months online.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Bank of America is refusing to allow a credit back from a vendor who did not have a return policy for products posted in their store at the time of purchase. I attempted to make a return valued at $XXXX XX/XX/2016 and the store would not allow it citing that they would only give a store credit. I attempted to return the item within 9 days of purchase. They refused the items and I contacted Bank of America's dispute department while I was at the vendor. I took several pictures of the register area and surrounding counters and walls showing that there was no posted return policy for a customer to know what the return policy is prior to purchasing- its like entering a contract with someone without understanding the terms until after signing. 
The reason for the return was that I found out that I could buy the products from another vendor for about $XXXX less. In addition, the quality of the items was better at the other vendor. I made this purchase and attempted to return the other vendors items and they refused it. While I was on the phone with a dispute representative at the vendor's store where I wanted to return the products,the bank representative asked the vendor if he would take the items back over the phone and he still refused. He later told a different BOA representative that I had left the premises with the items without making an attempt to return them. By the way, I still have the items and can still return them.
BOA issued a credit but then retracted it after I closed the account - it now appears that I closed the account owing a balance. I would like this to be resolved before it gets reported to any 3rd party agencies.

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 2017-04-28
Company: JH Portfolio Debt Equities, LLC
State: WI
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:
An {$1100.00} debt that was charged off  in  XX/XX/XXXX  t hrough  XXXX   XXXX , was purchased by  JH Portfolio Debt Equities  in  XXXX , MO.  JH Portfolio Debt Equities  illegally re aged the account ( reporting as opened in   XX/XX/XXXX  ) and refuses to follow federal laws regarding the accurate and correct reporting of consumer financial information. I have disputed the information with each CRA and  XXXX  deleted the account due to the illegal re aging, however   XXXX   and   XXXX   did not thoroughly investigate the situation and the negative information is set to remain in my credit files well beyond the 7 year mark as a result if illegal re aging.

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 2017-02-03
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am a single parent. On XX/XX/XXXX, I co-signed for my daughter to obtain a signature student loan from what was then known as XXXX. It was recommended to us by the college she was attending at the time because she needed the money for the next semester tuition. I was a XXXX for the XXXX. I thought that we were obtaining a low interest loan through the college foundation. Beginning in XX/XX/XXXX, my daughter would receive bills from XXXX requesting payments on the loan. An " upaid '' fee of XXXX and an additional " past due '' fee of XXXX was added onto the total each time increasing the amount of the loan. It was my understanding that college loans were to be repaid after graduation. She could not repay the loan at that time because she was still in college. She would receive a bill showing a past-due amount. I would receive a letter showing interest and stating " this is not a bill '' with a loan repayment date of XX/XX/XXXX The principal amount on the statements sent to my daughter were increasing. In XX/XX/XXXX we received letters threatening to and then stating that we had been reported to consumer credit agencies for delinquency. The interest rate on the loan moved from 11.75 to 12.125 to 12 %. I am not sure why or when this occured. The interest rate now is 12 %. 
On XX/XX/XXXX my daughter received a letter granting her in-school deferment which she did not request. The letter that was sent with it used a loan interest of 9 %. 
On XX/XX/XXXX, I received a letter from Navient. I had never heard about this company and did not know who they were. They informed me that I had a loan that I was a co-signer on with them that was past due and that I owed them {$300.00}. I had no idea that the loan was due. When I asked them why they loan was now due, my daughter was still in college, they said that she had had enough time to graduate. I did pay the XXXX and have been paying on this loan since. 
I have tried to investigate every avenue for lowering the interest rate, consolidation, forgiveness, or anything I could do to help us with this now huge loan. It is overwhelming. I thought that we had borrowed money from a safe place for families who needed help to send their children to college. I was very wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Ad Astra Recovery Services Inc
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ad Astra reporting false information/unauthorized. Not aware of this debt I have reached out to them several times about this debt. Sends out a letter stating to be proof of debt with NO SIGNATURE! Then I recovered that they are a collection agency who brought this account from someone. Also NO credit bureau contacted me as I do have a fraud alert set on my credit reports. I would like taken if my credit report they CAN NOT validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 've written 4 letters since XXXX XXXX, 2015 to Midland Credit Management to valid that I owe them. They sent me a computer generated copy someone printed out. No signature! All I 'm saying is I will pay them if they can supply proof I owe them. They ca n't, and they 've had since my first letter to them XX/XX/XXXX to valid it. What they did instead was notify the XXXX major credit bureaus to change my statues to " Disputed ''. The FDCPA clearly states that they have to stop collection activity if the consumer disputes. This alone is a violation of the law!!! I will not and can not make myself pay someone I do not owe a dime. I understand CONTRACT LAW will protect the consumer. Midland Credit have nothing with my signature on it agreeing to do business with them and they know it. Plus XX/XX/XXXX, they removed the XXXX accounts from XXXX and XXXX, then turned around and put them back. Please help if you can, because this is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Synchrony Bank sued us TWICE, using XXXX different debt collectors, XXXX in XXXX and XXXX in XXXX, to collect the same amount on the same alleged debt ( it had been paid several years before ). The first petition was filed in the XXXX Judicial District Court, XXXX XXXX, XXXX, via Suit # XXXX. They dropped that suit after we proved the debt had been paid. Six weeks later, another attorney filed suit on the SAME alleged debt in the same court under Suit # XXXX! Again, we fought and won. Still have n't received payment on court costs we paid. We also want to collect $ $ from them for wrongful suits.

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 2017-02-01
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
New complaint connected to a previous complaint about Barclays Bank and the UpPromise card : I need for Barclays to *remove the inquiry from my Credit Reports* because it has indeed affected my credit rating, which affects Jobs, Housing, and Credit. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Quality Loan Service Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Bought a home and got a Grant Deed, then there was a loan agreement to sign, it was not after all it was a security agreement instrument that i did not see at closing, only part where is said XXXX- rider, i called title a few years later and asked if i could get all docs, she sent them, and saw that my name was forged on the security instrument and she said it looked like there were two closings. I only went to one. The originator was from XXXX XXXX XXXX and went out of business 1 month after however there is a parent company think it is called XXXX. As you will see on the XXXX rider the first signature is mine sideways, but all other below and initials are not mine, it is larger and rounder letters. Not sure if XXXX or whom did it. California Penal Code Section 115 ( a ) It is a felony to knowingly file a gorged or false document with any public office. Now title and county records is part of this crime against me. My home is being sold at auction and aiding and abetting this crime. XXXX, XXXX, XXXX XXXX XXXX XXXX, Quality Loan Servicing Corp., XXXX XXXX XXXX XXXX XXXX parent Company. I need the trustee sale stopped asap, and my claim paid that was sent to me by XXXX for the foreclosure crimes class action law suit that was never paid to me, I sent in my bill, in 2016 never got paid. There was never a loan. Only a fraud security instrument, and non-disclosure of showing me what they were doing XXXX or XXXX. Here is the documentation, i am not in court if i do go back it will be to impeach the judge for treason, she dismissed the case for no Jurisdiction. It has been 10 years fighting against deaf ears, the Trump admin. has my docs now. Please help immediately. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: American Collection Services, Inc. (OK, TX)
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
American Collection Service continues to contact me regarding medical debts that my wife owes. When trying to work with this company for a payment plan at an amount we can afford the company will refuse any offer other than their decided amount and begins to threaten the accounts have to be paid in full or they will release the account to their lawyers and sue me. Every time this threat is made they give me a 4 hour limit to provide them a final answer or they will move forward with a law suit, and they have made this threat over the past 3 months on the same accounts. These threat start happening near the end of each month. We had a previous account with this company that had been paid in full with the agreement to remove the collection from my credit report and the company did not follow through with their agreement claiming they did not have to because they received additional accounts for my wife while the original account was being paid off. The company has so far threatened to sue us for the full amount of XXXX accounts 3 separate times, threatened to garnish my wifes wages 3 separate times, and have refused all of our payment amount offers. I was once again contacted by this company today ( XXXX XXXX 2015 ) with a 4th threat of sending all the accounts to their lawyers to file suit on the debts. Additionally, the company name is American Collection Service but they are reporting to my credit report as XXXX which I feel is purposely misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke with & Paid XXXX ( Diversified Consultants ) {$380.00} settle amount on X/XX/17 at number listed XXXX. Although, this bill has been settle and paid It is still showing on mt credit report. I just do n't understand why do I keep getting the run around when I call to see who can help me get this removed because Diversified Consultants states the account has been closed since the payment went successfully and that the credit companies have not updated the information on there in. I was blessed with the money to do my part but noone wants to do there 's. I have attached the receipt from the payment I made & the confirmation letter that was sent from Diversified Consultants stating that it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
On XX/XX/2020. A hard inquiry was made on my behalf and I have knowledge or anything of this information. I did not consent to the hard inquiry. I reached out to them. They say they have no information on my behalf at all. The inquiry was conducted by Capitol one bank USA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Federal Law gives me the right to notify XXXX.of errors regarding the servicing of my loans which resulted in the foreclosure of my property. The " ASSIGNMENT OF THE DEED OF TRUST '' a total of XXXX with number XXXX recorded in the XXXX XXXX County Recorders Office XXXX XXXX on these dates : XX/XX/XXXX Doc # XX/XX/XXXX-XXXX and XX/XX/XXXX Doc # XX/XX/XXXX-XXXX and XX/XX/XXXX Doc # XX/XX/XXXX-XXXX. These Assignments are " VOID '' as determined by the XXXX Supreme Court case XXXX. I am requesting thatXXXX XXXX provide me with their accounting of this loan and copies of the Assignments.

Company response to consumer: Closed with explanation