BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-07
Company: AES/PHEAA
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/XXXX began with FedLoans as my servicer. Contacted company multiple times to get information on when my monthly payment amount and qualifying payments would be determined. Was informed I needed to wait until XX/XX/XXXX to recertify unless I wanted my monthly payments to go up significantly.XX/XX/XXXX payment tracking began and my calculated qualifying payments were determined to be XXXX. This is half of what I have actually paid. FedLoans said I still had payments that were not figured into this and would be added in at a later date.
XX/XX/XXXX I began the recertification process to switch from IBR to REPAYE. The company gave me the option of paying a single payment on the standard repayment plan ( approximately {$3000.00} a month ) or a {$5.00} forbearance that also qualified. I paid the {$5.00} fee to recertify. A month later I received a bill for just under {$3000.00}.
XX/XX/XXXX I called the company back and they admitted they saw the {$5.00} I paid, but that it was never applied to anything. I again paid {$5.00} and was reassured that this time it would be done correctly and that the recertification would move forward. Almost two months later, I again received a bill for nearly {$3000.00} under the standard repayment plan which is not what I enrolled in.
on or around XX/XX/XXXX I called to find out why I was on the standard repayment plan. I was told that the XXXX $ forbearance request had never been processed and that it would now be processed. I was then told that I could not request another month of forbearance because it would ( somehow ) interfere with the processing of the {$5.00} fee. When I informed the representative I can not afford a {$3000.00} a month payment, she said not to worry because the credit agency is not notified of delinquency until 90 days of nonpayment. This to me is unacceptable.
During this entire period I have been accruing massive amounts of interest on my loans that capitalizes. Every time I call I get different information, and the person I talk to is quick to tell me that whoever I spoke with before had given me wrong information. I was also told it can take up to 90 days to process my recertification. I am now on month 5. All the while accruing about {$1000.00} in interest each month. I am on the verge of seeking legal action.
The purpose of doing this program was to have my loan balance forgiven after 10 years. With a monthly payment of almost {$3000.00}, I would have my entire balance paid in LESS than 10 years, so you can see that it makes NO SENSE to even switch to fedloans or do PSLF if I had the ability to make such payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Received this notification from Discover Bank that I have an option to limit my privacy from Discover by calling their customer service at XXXX XXXX. 

I called Discover and asked them to limit my sharing with other affiliates. 

The respondent asked me an entourage of questions - My social security number, my verbal password, mother 's maiden name and then my name. 

She said that I have been opted out of Discover bank sharing my information with its affiliates but refused to provide me any kind of confirmation. 

Please see the notice attached. 

Now tomorrow if Discover do share my information I have no proof that I called them to discontinue sharing my information and this is bizarre and a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have been disputing the following items for more than a year now with Zero results from the three credit reporting bureaus expect for XXXX. XXXX has updated and conducted investigations which they have already updated. Unfortunately XXXX and TransUnion have fallen behind in even sending out any investigation results. 
I am listing the Inaccurately Reported Personal Information below needing to be immediately Removed & Deleted. 
TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX TX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-09-07
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a Shell Account after numerous threats from the Company about applying for a credit card. I have to wait for the XXXX card. Please help me! I am being held XXXX by the 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 2022-08-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My rights are being violated by Portfolio Recovery. I have no Idea who they are and why they claim I owe something. I have never had a contract with them and I am also a victim of idenity theft. I need more information as where this came from and I need to know is Portfolio a for profit company, i need to know do they pay taxes and I need to see a copy of my original documents including a copy of my drivers license. I need to see a full disclosure of the alleged account. I am excersing the privacy act of 1974. public law 93-579 as codified at 5U.S.C. 552A 08 XXXX XXXX  - information shows as not reported .I believe this is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I FOUND THAT I AM VICTIM OF FRAUD ON XX/XX/XXXX WHEN I ARRIVED TO INSPECT MATERIALS FOR XXXX AT XXXX XXXX XXXX XXXX XXXX CA XXXX ON XX/XX/XXXX ABOUT XXXX TO XXXX XXXX XXXX WE CALLED THE WELLSFARGO BANK AND INFORMED THEM BY PHONE AND THEN REPORT ONLINE FOR RECOVERY OF OUR AMOUNT FROM ACCOUNT # XXXX ( THIS ACCOUNT IS XXXX XXXX ) WHICH WE HAVE THE CONFIRMATION BUT STILL WE DONOT HAVE ANY UPDATE. 
PROMPT ON XX/XX/XXXX WE ALSO INFORM TO OUR BANK XXXX XXXX XXXX BUT THEY REPLIED THEY ARE UNABLE TO HELP US. OUR ACCOUNT # XXXX IN 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 2022-07-14
Company: EQUIFAX, INC.
State: MI
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:
I am a consumer and natural person with a right to privacy, confidentiality, and fairness. In accordance with the Fair Credit Reporting Act, the consumer reporting agency has violated my rights with accounts listed on my consumer report : XXXX XXXX XXXX  - # XXXX - XXXX  XXXX XXXX XXXX # XXXX - XXXX & XXXX XXXX - # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 15 USC 1681 ( a ) ( 4 ) - As the consumer, I have a right to privacy.

15 USC 1681a ( 2 ) ( A ) ( i ) - A consumer report does not include transactions or experiences between the consumer and person making the report.

15 USC 1681a ( 2 ) ( B ) - A consumer report does not include any authorization or approval of specific extension of credit, directly or indirectly by the issuer of a credit card because it is used to obtain an extension of credit.

15 USC 1681b ( a ) ( 2 ) - A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( a ) - A consumer reporting agency, shall maintain reasonable procedures and limit furnishing of my consumer report under 15 USC 1681b.

15 USC 1681e ( b ) - A consumer reporting agency shall follow reasonable procedures to assure the maximum accuracy of information on my consumer report.

15 USC 1681e ( e ) ( 1 ) ( B ) - My consumer report can not be procured for the purposes of reselling information without my written instructions.

15 USC 1681g ( a ) ( 1 ) ( A ) - A consumer reporting agency must disclose all information on my file, clearly and accurately to me.

HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 - Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. This is a clear violation of my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
State: MI
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:
Please Remove all Fraudulent accounts and inquiries as i have no knowledge of any of these accounts they are being investigated by the FTC, According to FCRA 605B this information must be blocked immediately until the investigation is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Please Remove all Fraudulent accounts and inquiries as i have no knowledge of any of these accounts they are being investigated by the FTC, According to FCRA 605B this information must be blocked immediately until the investigation is over.

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 2022-02-14
Company: Mr. Cooper Group Inc.
State: VA
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: Problem with personal statement of dispute

Complaint:
My current credit report indicates 6 late payments. They are all attributable to Mr Cooper ( previously NationStar ) reporting which was the servicing entity for my mortgage at the time. 

In XX/XX/XXXX, I contacted Mr Cooper Customer Service to discuss my concern about receivables that were affected by the government shutdown would delay payments which would directly affect my ability to make a timely mortgage payment. I was instructed to make what payments I could and they would work with me. I missed the XX/XX/XXXX payment deadline because of the receivable payment delay, but made extra payments and was completely caught up by XX/XX/XXXX. They reported late payment for months 1, 3, 5, 7 and 8. Payments were made within the 30 days of those months, but the " late '' amount from XXXX was not fully caught up. When bringing to their attention the missing months of 2, 4 and 6 of this process, the responses was that their " system '' generated the credit reporting and nothing could be done. All the other subsequent months reported were a result of Mr Cooper 's application of received payments starting in XX/XX/XXXX, so the monthly payments were made and received within 30 days of due date, including associated late payment fees. So there was no ability to provide the reason for the subsequent monthly reporting entries made. 

In XXXX and XX/XX/XXXX, the sale of the property administered by Mr Cooper was under contract to be sold with a closing date of XX/XX/XXXX. During this time, the title company was in contact to determine loan payoff for the purpose of clearing title at closing. Title company submitted payment for remaining balance of mortgage to Mr Cooper, via XXXX, on XX/XX/XXXX but was not processed until XXXX. Initially, Mr Cooper reported XXXX as being late, but then agreed to address the error. They addressed it by making the XXXX payment late since it didn't get posted until XXXX. Property was closed on XX/XX/XXXX, title company forwarded payment based on information from Mr Cooper, but account was still reported as late because payment in full was not posted in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2022 the lawyer representing me sent a settlement offer letter to Cavalry Portfolio Services through their law firm. CPS  sent me a settlement offer previously and I was unable to pay the amount yet. A whole month goes by without a response from CPS. I also sent a settlement offer online via the website of their law firm and did not receive a response. After consulting with my lawyer who stated XXXX XXXX and XXXX XXXX XXXX is known to be slow to response, I decide to go ahead and call the law firm myself. I learn that they've started a court case for wage garnishment against me without any notice or attempt to resolve the matter peacefully and professionally. On XX/XX/2022 I personally went to the law firm and paid in full with cash for the collection account to be resolved. I received a receipt and a letter of closure immediately. However, Cavalry Portfolio Services viciously lied to all 3 credit bureaus and stated that I still owe {$80.00}. I have had to personally dispute this lie to all 3 credit bureaus, taking up my precious time and holding me back from financial progress. It's been 3 weeks and XXXX has yet to hear back from this corrupt business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: MD
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 am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2017-09-07
Company: CIT BANK, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My father XXXX XXXX on XX/XX/XXXX, I as one of the heirs contacted Financial Freedom, CIT Bank, N.A. to notify the company of his passing and also requested to purchase the property back within the 30 day timeframe requirement. I was told that they would not even have an appraisal of the property or grant an extension until we were able to provide a notice of intent and proof of funds, and an offer letter or the home would foreclose. At that time I was advised that if the offer letter was not enough to satisfy the loan that an appraisal of the property would be done and we would be quoted an amount to satisfy the loan, ( which should be 95 % of the appraised value not the current loan amount ). On XX/XX/XXXX I faxed all the requested documents and waited for a response. We then received a letter requesting our intent with the property and additional information, this was faxed XX/XX/XXXX. I called XX/XX/XXXX to confirm receipt of the information and was told that we were declined for an extension and that we needed to list the property for sale or the home will soon foreclose. I advised that we need them to have the home appraised so we can get the amount needed to purchase the property, they refused to do an appraisal of the property so I advised that we have no way of listing or purchasing the property until we are quoted an amount. On XX/XX/XXXX I have sent a letter requesting in writing what the options are for the heirs, an extension of the loan, an appraisal with the amount due to satisfy the loan. We are close to the 90 days for foreclosure and we have sent everything requested, without an appraisal or an extension the property will soon foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I am submitting this complaint once again to request thatI am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The Following account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have been a victim of identity theft. My information has been exposed in the XXXX data breach. The following account is not affiliated with me nor received any money, goods, or services as a result of identity theft or they were authorized by me. If you claim this acccount is 100 % accurate and verifiable then I need this Creditor to provide me with copies of any documentation associated with these 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. : BANK OF AMERICA XXXX Balance-

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 2022-07-14
Company: Experian Information Solutions 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 have been sending dispute letters as complaints to the Credit Bureaus to dispute the information on my Credit report that were incurred due to identity theft. Through the letters, I have been informing the Credit Bureaus that I was a victim of Identity Theft and I never received any benefits as the result of the Identity Theft. On XX/XX/2022, I sent a letter to the Experian and XXXX Credit Bureaus requesting that they provide me copies of any documentation which bears my signature to support the Credit Bureaus ' claim that the items they failed to remove belonged to me. Experian and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act section 605b and continued reporting the disputed accounts without proper authentication. I am submitting this complaint through the help of the CFPB to remind the Experian and XXXX Credit Bureaus to remove the following information that resulted due to identity theft. The Credit Reporting Agencies must delete the following disputed items pursuant of the Fair Credit Reporting Act section 605b immediately if Experian and XXXX Failed to provide proper documents to support the Credit Bureaus ' claims. Once again, I need the following items removed now : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} DEPT OF XXXX XXXX Balance {$1300.00} DEPT OF ED/XXXX  XXXX Balance {$3100.00} DEPT OF ED/XXXX XXXXXXXX Balance {$3800.00} DEPT OF EDXXXX XXXXXXXX Balance {$9000.00} DEPT OF EDXXXX XXXXXXXX Balance {$3300.00} DEPT OF EDXXXX XXXXXXXX Balance {$4900.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$750.00}

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 2017-09-07
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reviewed my credit report in XXXX XXXX and noticed collection accounts that I do not recall. Therefore, I sent a validation letter requesting additional information to Commonwealth Financial. I am requesting the send me an explanation and copies of any papers that show I agreed to pay what they say I owe. They claim I owe them {$510.00}, this account appear that the amount includes fees or interest. This letter was sent XXXX XXXX, XXXX and I have not received a response to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
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:
XXXX XXXX  XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXXN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT NUMBERS LISTED ABOVE HAVE 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 A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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