BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-12
Company: Performant Financial Corporation
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Performant Recovery called me on behalf of the Florida Department of Education because I was behind on my loans. The lady, XXXX XXXX, told me that for my {$8000.00} student loan balance at 8 % interest, she was offering me the following : - {$100.00} to get started- {$10.00} a month until the loan was paid in full, and- that they would report to the credit agencies that I was paying as agreed. 
I asked several times to make sure that I had correctly understood this too-good-to-be-true scenario. 

Instead, they charged me the initial {$100.00}, plus {$100.00} a month. Further, when I received the contract, it said that the monthly was {$100.00}, that the interest was 18 % and would go to 24 % after the first 10 months, and that they would n't report it to the credit bureau until it was paid in full. 

Going directly to the Florida Dept of Education, I 'm {$58.00} a month for 10 years. Interest charged is at 8 %. They do n't report anything except balance due to the credit bureau. 

Be careful with Performant Recovery and others like them. The situation was n't a misunderstanding ; it was downright deception.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Fay Servicing, LLC
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Fay Servicing cancelled the debt on a secondary ( charged off ) mortgage they ( presumably ) acquired from XXXX ( Originally written by XXXX ). Now I am trying to sell the property, and they are refusing to acknowledge they ever held the loan, despite having filed the cancellation of debt XXXX with the IRS. I have called, emailed, sent certified letters and my congressman even called them. I am completely at a loss as to how to proceed, with all the other involved companies out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On XXXX a legal order XXXX with a number following it garnished XXXX plus XXXX bank fee from my XXXX XXXX XXXX savings account. The only money in that account was backpay from a VA XXXX claim and my VA XXXX monthly deposit. I can not work now due to my XXXX and am rated XXXX with individual unemployment. I recently had XXXX so it will soon be upgraded XXXX I ca n't work now so I depend on that money for my living expenses. The company was XXXX XXXX XXXX as assignee of a judgment rendered in XXXX XXXX XXXX XXXX. Their attorneys Scott , Parnell & Associates , PC out of XXXX, TX filed it on XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas. The first I knew about it was on XXXX when I checked my bank account. I went to the bank but they could not tell me anything about it. When I came home the mail had arrived and I received the court papers which I do n't understand but at least I know who did it now. Papers received on XXXX.

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

Complaint:
In XX/XX/XXXX I attended college and with the help of my sister who cosigned for me, I was granted a loan for {$1100.00}. During the XX/XX/XXXX I completed an internship and this is when the harassing phone calls began. In the XX/XX/XXXX I was not working nor was I in school. I informed XXXX/Navient that I was unemployed and not in school, but they still harassed me and insisted that I pay. In XX/XX/XXXX I went back to school ( and informed them that I was in school but that did not stop them from continuing to harass me with the phone calls demanding payment. I had a struggle with attending school due to financial issues. I finally graduated in XX/XX/XXXX and they were not willing to lower my payments, nor offer the deferment, nor the forbearance. To this day they have been harassing and threatening me for payment. I informed them that I was only working as a waitress and could not afford those high payments. They literally had me in tears with the threats and harassing and unwillingness to assist me with the above. They told me that I had to give them my bank information for the high payments regardless if I could afford them or not. I felt as if I had no choice, even though I knew and told them that I would not have the money. This has resulted in late payments, which I never agreed to make, and in the process, has caused me to have delinquent payments on my credit ( and the credit of my cosigner - which they have been harassing as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Grant & Weber
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Several request have been submitted to this agency and the credit agencies to validate and provide proof, nothing has been received nor any proof or validation of ownership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: CREDIT CONCEPTS, INC.
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have challenged the debt several times as they got the vehicle back and sold it for less then it was worth and did not give me credit for XXXX  dollars I put down on the vehicle. When I called to set up payment arrangements they would not accept when I can pay and demanded 2.5 times the amount. They lied and told me the back interest and money to pay on the principle amount required the XXXX dollar a month payment, when I asked them the interest amount and the amount owed the monthly with some towards the principle was less than XXXX dollars a month. They refused several times any payments less than XXXX dollars. I was told if they refuse what I can pay they have to void my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: The CBE Group, Inc.
State: VA
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:
Pulled my credit reports and saw inaccurate information on them i then wrote the collector and told them the debt was not mines it was a chargeoff in which i havent had any buisness with this company the bill was suppose to be an XXXX bill who was the original creditor i informed them that it was unlawful for them to put inaccurate info on my credit report without my knowledge. i told them i do not consent and i can sue them under the FDCRA and to delete the inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been working as a social worker working in a public agency since XXXX. I have asked my loan servicer, Navient, several times over the years about enrolling in the Federal Public Student Loan Forgiveness program and each time was advised that I am not eligible because the amount of my loans is too low and would be paid off before the 10 years is up. I recently re-applied during the COVID-19 pandemic in XXXX of XXXX because my loan total has not decreased despite 9 years of consistent payment and it is no longer affordable for me and I was approved. Unfortunately, none of my previous payments were counted as eligible payments and my timeline for forgiveness started at XXXX  months. Despite my ability to prove that I have been eligible and been working for the same agency for the past 6 years, I can not get any of my payments to count towards forgiveness despite the fact that I was intentionally mislead and enrolled in an income-based-repayment plan despite being eligible for a more forgiving plan. I would have had my loans paid off by now had I not been misdirected over several occasions by Navient over the years and believe that this is a form of fraud as many of other eligible graduates have similar stories.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-08-27
Company: EQUIFAX, INC.
State: MO
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: CarMax, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I, XXXX XXXX, entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Carmax Auto Finance made me purchase insurance separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Servatus Corporation
State: CA
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:
Try to call them and the lady whos responsible for my account dont need any explanation or dont want to here anything told me that all she wants to here is you have to pay the whole amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Experian Information Solutions Inc.
State: NJ
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 submitted proof that the debt with XXXX/XXXX was satisfied and at XXXX balance and all 3 bureaus claim that they investigated and verified that there was still a balance. Even the creditor verified that they responded with XXXX balance but nobody wants to update. I WANT THIS DELETED AS IT IS NOW INCORRECTLY REPORTED BY ALL 3 BUREAUS!

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 2016-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America has close my account that I had open since XX/XX/XXXX saying thatMy report from XXXX reads as such : XXXX Il XXXX XXXX XX/XX/XXXX $ -no amount showing or what your report states Transacting or attempting to transact, with a check in a fraudulent Manner, including but not limited to the passing or depositing of Forged, altered, closed account, stolen, counterfeit check, or Non-negotiable item ; the kiting of checks, drawing against insufficient Or uncollected funds, empty envelope ATM deposits, or keying errors.

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 2016-02-29
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 was misinformed for over 3 years by Navient regarding the payment plan I was on. They told me that my payments qualified for Public Interest Loan Forgiveness and recently told me that the payment plan I was in did not count towards that program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 submitted several disputes to Transunion, most recently filed on XX/XX/2021 regarding 2 delinquent accounts on my credit report from Dept. Of Education to have these accounts removed from my report at the request of the Dept. Of Education. Transunion REFUSES to remove them even though the reporting agency has requested they be removed several times in writing! This is a direct violation of the Fair Credit Reporting Act and this agency is negligent and seems to be vengeful in its actions. I would like this agency investigated and this matter resolved Immediately! All other credit agencies have removed these accounts already as the request of the lender, the only one that refuses to remove them is TRANSUNION.

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 2016-12-07
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
The debt was resulted from Identity theft i do not have knowledge of the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: First Advantage LNS Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This debt was discharged in a chapter XXXX bankruptcy in XX/XX/2017 for {$4600.00}. The original creditor was XXXX XXXX XXXX ( aka XXXX XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-28
Company: Experian Information Solutions 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:
On the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021 I submitted a dispute to Experian with a letter of deletion that I obtained from The Bankruptcy Court as well as XXXX XXXX reporting agency in regards to a bankruptcy in question showing on my credit report. I have attempted to have them remove this item but they constantly refuse to comply even with the provided deletion letters.

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 2015-10-01
Company: Navient Solutions, LLC.
State: TX
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 recently completed a Chapter XXXX Bankruptcy ( 4 Months ago ) and month later after checking my credit report I noticed my student loans were listed under a collection agency. At the time I did n't know Private student loans were n't included in a Chapter XXXX so I filed a dispute with the collection agency. I began receiving settlement calls from the creditor asking for a settlement of {$1000.00}, I did n't have that much money readily available at that time. I have not once received an e-mail or letter/bill for my private student loans but I do regularly receive letters for my Federal student loans. I have been making payments on my private loans and when I reached back out to Navient today ( XXXX/XXXX/2015 ) to try and get my interest rates reduced from 13.25 % or lower the total amount. They informed me that I need to call back in a week because my account is in collections and they do not know who the creditor is. I find that odd as I have not received any written communication about this AND when I go to their website it still allows me to make payments ( Which I have been actively doing ). The website also says I have missed 19 payments and I do n't see how that 's even possible considering I have only been out of Chapter XXXX Bankruptcy protection for 5 months. I feel that this lendor may be taking advantage of me and I would like someone to look into this please.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have been in dispute with Bank of America about what I considered " false '' charges on my credit card ending in XXXX. I received paperwork from them and in the time I was waiting for the dispute to be settled and updated, I was waiting for them to update what I owed on my closed account. I made a good faith payment of {$100.00} and they reported to the credit reporting agencies ( All of them ) that I was late 30-60 days. I contacted the bank asking for them to correct the report and they said their hands were tied and they could not. I think this is wrong and misleading on their part, as they know this account was under dispute and I was unaware what I owed them

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 2021-08-27
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On Sunday XX/XX/2021 on or about XXXX XXXX  I attempted to transfer {$200.00} ( XXXX XXXX dollars ) using Cash App to a friend XXXX XXXX ( XXXX XXXX ) At or about XXXX XXXX  on Sunday XXXX XXXX, she still hadn't recieved the funds which was odd. So I immediately contacted Cash App to request a refund I did this because XXXX and I noticed that her Cash App tag XXXX XXXXXXXX doesn't have a capital letter XXXX " XXXX '' which is how the Cash App tool directed the {$200.00}. Also, I contacted my bank XXXX XXXX and alerted them to the problem so that I could get the funds back. 
Monday, XX/XX/2021 I was contacted by Cash App Customer Service and asked to provide information so that I may get a refund or redirection of funds. I have provided the requested information each day. Today, I notice that each day I have been asked to do something and I do it but, no indication of refunding my {$200.00}. It seems as I'm getting the run around and no refund. This is not right. 
According to the app the original transaction did not complete so it should be no problem getting my money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Navient Solutions, LLC.
State: KS
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:
Navient calls every day threatening severe action unless I call this XXXX guy back. XXXX the number he calls from and number he leaves me to call are bogus numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: SC
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 applied for loan forgiveness under the XXXX option. I provided documents showing that I became XXXX in XXXX and had a review in XXXX. Accordingly to the description for applying, under XXXX-one has to be XXXX at least 5 years, which I provided documentation proving. I was repeatedly told " this information is not sufficient ''. I was asked to get a specific printout, from social security. I did that and was told " this information is not sufficient ''. I provided everything that was required, I am a XXXX individual and was denied discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: DISCOVER BANK
State: PA
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:
This is XXXX XXXX , who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item DISCOVERBANK is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 
DISCOVERBANK XXXX {$3000.00}

Company response to consumer: Closed with explanation