BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-13
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The problems began in XX/XX/XXXX. I graduated at the end of XX/XX/XXXX in the midst of the global financial crisis. Fortunately I was able to find work immediately following graduation from my XXXX program and keep up with student loan payments. Initially everything seemed to be fine but when I was laid off the following fall in XX/XX/XXXX I quickly fell behind. I started receiving numerous communications from then XXXX XXXX, Department of Education Loan Services specifically suggesting forbearance as a first option for dealing with loan repayment. That I can think of no offer was ever made to consider an income based loan repayment program nor was I aware of that option. 

I have 74 emails from XX/XX/XXXX through XX/XX/XXXX of XX/XX/XXXX that provide a timeline of events. I stopped communicating with Navient in spring of XX/XX/XXXX in the midst of yet another spell of unemployment when it was suggested by a phone representative that I should solicit funds from friends and family to make a full payment after offering a partial payment which the representative rejected. 

It has recently come to light that this sort of practice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2019 I initiate it a HELOC application with the Bank of America I submitted all my paperwork the XX/XX/2019 I initiated a HELOC application with the Bank of america I submitted all my paperwork it would took several weeks the last question that was asked of me was too receive information from my XXXX that I will be receiving payments for the next 3 years when I contact it are XXXX Department they said they could not make such claims and because my XXXX couldn't state that I would be active for the next 3 years I was turned down after,. I feel this question should have been presented weeks ago instead of putting me through the tedious task of XXXX all this information they requested and I think this was out of the blue I've never been asked to give a prediction as to how long I would be receiving my XXXX and all the years that I've been on 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 2021-12-14
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2021, my account was at a - {$360.00} due to several refunds and payments that were applied. My statement closing date for that month is XX/XX/XXXX. Since my account was at a negative, I requested I be reimbursed the - {$360.00} via a check, which was sent to me via mail. I did receive the check, although I've yet to cash it. 

On XX/XX/2021, Discover added the {$360.00} back to my balance for XX/XX/2021 's statement. This makes 0 sense to me. I was owed a credit/refund, but now I owe Discover the money back? 

If I were to make a purchase at a store and decided to return the item for a refund, I wouldnt then pay the store in the amount of the credit that was owed to me. I dont see how it would be any different for Discover. 

I asked XXXX supervisors to investigate, but no one has provided me with a satisfactory answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is information thats on my consumer report, that is a result of identity theft. I did not provide written permission or instructions for the identity. Transaction to be reported on my consumer report.I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions are not information related to my transactions by me as a consumer. 

You are required to do what I am asking and block these transactions from being reporting/ reported within 4 days from the receipt of this notice I look forward to your response XXXXXXXX XXXX credit card XX/XX/2022

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 2015-08-08
Company: Resurgent Capital Services L.P.
State: WA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
LVNV Funding LLC alleged that I have a debt that is 9 years old ( last payment date was XXXX/XXXX/2006 - enclosed LVNV1.pdf ). I repeatedly told them not to contact me for that alleged debt. I have filed XXXX separate complaints with the Bureau of Consumer Financial Protection ( BCFP ) last year. LVNV promised not to contact me. Nonetheless, they established another company named " Resurgent Capital Service LLC '' and continue harass me with unwanted mails sent to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I got pick pocket out of the United States and lost all of my cards and military IDs, I called every company to let them know of the incident most of the companies have refunded funds that was taking from me. Now my issue is with capital one, they gave me credit for the missing funds and then this lady called me and to, d me that I have to take responsibility as well and they reversed the funds which now put my account in a big negative balance that is completely unfair from them and I 've been a long time customer with no issues ever and now they 're blaming me for being robbed how can a company do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I just discovered this yesterday : My credit report shows a MI address ; lifelong MA resident. Student loans from XXXX that I was trying to make good on through the DOE, were transferred to service provider XXXX XXXX. They made zero successful attempts to contact me declaring themselves the owner of my loan ; thought they were picked up by XXXX with the rest of my loans ... I was wrong. 
MI address was garnered by XXXX XXXX via XXXX skip tracing XXXX no need to skip trace me ... still at same address ). The address was adopted to my credit report and thus adopted by my car loan financial intitution, XXXX account and still learning more ... 
XXXX is a function of transunion. The address was added to my transunion credit report XXXX/XXXX/XXXX by DOE on behalf of XXXX XXXX collected from XXXX, a division of transunion credit union. 

Transunion ( XXXX ) gave the information to Transunion. They act like I am talking about XXXX XXXX when I bring up XXXX. 
There was absolutely no reason to skip trace and/or change my address. This is systemic problem that occurs too frequently with full plausible deniability on the loan servicers ' part. They just send the bill to the wrong address and tell me it is my responsibility to keep my address up to date with the DOE. It was until they changed it ... ..XXXX admitted to the practice of providing information that may not be accurate and provides full disclaimer and disclosure that the information they provide is to be used at the risk of the user, that would be XXXX XXXX in this case. 

The scam is this : the student loan contracted by DOE makes a singular attempt to reach the owner of newly acquired loans ( occurred to me twice when I moved ). they barely satisfy the minimum requirement to inform the consumer of their new responsibility that is not a choice BTW. The default happens soo fast and they ca n't wait to sell you a rehabilitation plan that they get paid a commission upon successful completion. This serves as an economic engine of millions of students making 'rehab ' payments and tacking on fees and interest. All the while, the loan service ca n't wait to reset the clock if miss a penny. 
My first conversation with XXXX several years ago and XXXX XXXX yesterday was " who are you? '' ... '' we own your loan, its in default, would you like a rehabilitation plan? ". The opportunity to pay the loan on time is often so obscure and this is on purpose. This is a very well ingrained scam where everyone but the consumer is getting a cut. 
I look forward to your response. 
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 2023-01-19
Company: ARC Management Group, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been receiving ongoing bills from XXXX XXXX XXXX since the beginning of XXXX and most recently I received a notification of collection from ARC Management company. This company also sent me another mail on XXXX XXXX and I sent them a registered mail back with a request to cease and desist. Despite my request they sent me another letter on XX/XX/XXXX. They are currently violating FDCPA regulations See 15 U.S.C 1692 ( c ). I visited this hospital in XXXX of XXXX. They were unable to provide me the treatment and while I was in physical distress charged me {$1000.00} for the visit on the spot without billing my insurance company and are sending me additional bill for {$740.00}. I do not owe them anything and if anything they owe me {$1000.00} they wrongfully charged me. Please let you client know to stop waisting time and resources on this case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a membership with Experian. Experian recommends credit cards on my profile based on odds of approval. So I decided to try luck with XXXX Credit Card. They denied my applications but also did a hard inquiry which caused my credit to go down 10 points. I believe this practice is unfair and illegal, since Experian is recommending for me to apply. Also, I believe XXXX should delete the hard inquiry on my Credit report and do a pre approval on customers so it does not affect them for a period of time. 

Thank you. 
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 2017-08-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I called Wells Fargo today to make a payment with the same account information I make it with every month for the past 5 is years. I verified over 5 pieces of information like I do every month and have been doing for the past 5 years. Today they refused to take my payment from the account I gave them verifying the routing number and the bank name. The manager stated she would notate my account to make it more difficult for me to call In and make future payments even though I had correctly verified all the information where my payment was coming from.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: CSO Financial
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Credit Services of Oregon in XXXX or XXXX of XXXX saying was in debt for {$1100.00} to a doctor I visited back in XXXX. I had not received any billing requests from the company in question back and I assumed my medical insurance covered the cost. I looked on-line and found the statue of limitation in Oregon for debt collection is 6 years so I thought this must be one of the Zombi debt issues and I ignored it. Everything I read online said that I would get a notice if one of these silly debts was going to court. On XX/XX/XXXX my employer received a garnishment request from the State of Oregon for the {$1100.00}. I never received any notice of a hearing where I could contest the debt. As of tomorrow XX/XX/XXXX I will have sent a certified letter requesting more information on the debt in question. Although " ORS 646.639 section 4a '' states : '' A debt buyer or debt collector acting on behalf of a debt buyer engages in an unlawful collection practice if the debt buyer or debt collector : ( a ) Files legal action against a debtor or files legal action to attempt to collect a debt if the debt buyer or debt collector knows or after exercising reasonable diligence would know that an applicable statute of limitations bars the legal action to collect or the legal action to attempt to collect the debt ; '' the State of Oregon XXXX XXXX still approved the judgement, even including the statement " A judgement was entered against the Debtor for the debt, or the debt otherwise became subject to garnishment, on the XXXX day of XX/XX/XXXX. '' I XXXX XXXX XXXX over 15 years ago. I know everything was paid up back when this took place but I can not prov it. I was never given the chance to even dispute it nor did I received a letter that this was going to court. Now I have a garnishment with my employer ( super embarrassing ) for a debt I didn't even know existed. This does not seem right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There's inquiries on my credit report that I didn't Authorize.

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 2016-01-21
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
hi im XXXX XXXX my complaint is with green tree mortgage green tree mortgage does not want help me getting my home qualified for a loan modification my home goes on sale Monday XXXX/XXXX/XXXX they are telling me im 8 months behind and its not true there reason for my delinquency there not applying my payments to the my account they keep asking to speak to my husband XXXX XXXX who is also on the title but he passed away XX/XX/XXXX we were originally with XXXX but later was passed to green tree because I filled a law suit with XXXX XXXX XXXX they gave my husband a loan when they new he was placed on hospice care soon after his passing I later had to get a loan modification because I was upside down on my house and since green tree is now the lender they refuse to deal with me even when I sent more proof of my husband being passed away I got a lawyer and found out it was a scam I lost money on that if it was n't for my oldest son moving back in I would of lost everything my family and my house is all I got and there trying to take that from me I did find out there was some illegal stuff done in my contract from the bankruptcy attorney that I hired this week im going for chapter XXXX so I can get time to find help for a fair and new loan modification its a lot more I would speak to some who can help me im up in age and would like for my grand kids to have my home in the future please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Atlanticus Services Corporation
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I was shopping for an elliptical and a co-worker told me about the offer on XXXX. XXXX was offering 12 months defer interest with payments as low as {$32.00} financing through FORTIVA RETAIL CREDIT LINE. I noticed that XXXX was also offering 12 months defer interest with financing through FORTIVA RETAIL CREDIT LINE. 
I decided to make my purchase through XXXX and applied for the financing. I was approved for a {$3000.00} credit line. I made my purchase on XX/XX/2017. My co-worker made her purchase for a treadmill a week before XXXX, XX/XX/XXXX. On XX/XX/2017 my co-worker noticed she was being charged interest and called Fortiva. They stated she was late making a payment and therefor forfeited the deferred interest option. She stated she never received a bill and just received her treadmill a couple of weeks ago. She hung up and called Fortiva back in hopes to speak with another customer service rep. The second rep told her they do not offer defer interest on credit cards. She went back and forth for some time to no avail. 
I was a little concerned, I was next to her while she made the phone calls, so I went to the FORTIVA website and created my profile and reviewed my account. Even though it was 15 days from the date of purchase, I was due a payment of {$60.00}. On XX/XX/2017 I made the first payment. A week later I received the actual statement. My payment due was {$60.00} and not the {$32.00} as stated on XXXX when I applied. I also noticed that I was being charged interest of 29.99 %. 
I contacted Fortiva Retail Credit and was told by their customer service rep that Fortiva Retail Credit line does not offer any defer interest deals and I applied for a credit card. I explained to the customer service rep that I applied online through the XXXX website and was approved for 12 months defer interest financing for exercise equipment not a credit card. The rep had no idea what I was talking about and stated that he would have someone in management research my account and call me back. No one has contacted me. After a few weeks I went to the FORTIVA RETAIL CREDIT LINE website and clicked on " contact us ''. The only option is to email them through the website itself. I emailed FORTIVA and still have n't received a call back or an email. The issue is still unresolved. Recently I went back on the XXXX website and the XXXX website, both of these website still as of today, Wednesday, XX/XX/2017, offer the same financing deal through FORTIVA RETAIL CREDIT LINE. The very same 12 months defer interest option that FROTIVA claims that they do not offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

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