BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-07
Company: The CBE Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Hello, I received on my credit report an unpaid notice for {$26.00} from the cable company XXXX XXXX XXXX XXXX XXXX that hurt my credit score by XXXX points and impacted my process with the Lender in obtaining a mortgage over such a small amount. The unpaid notice was then sent to a debt collection agency, CBE Group ( www.cbegroup.com ). I never received any urgent phone calls to resolve this issue. 

On XXXX/XXXX/2016, I contacted XXXX XXXX and paid off the unpaid bill notice. It should be noted that I paid off the amount, but XXXX XXXX was unable to inform me what the charge was for. I had closed a cable account and moved. All they did, supposedly was send a bill notice in the mail to my old address, which I never received. 

This bill was then sent to CBE Group ( debt collections agency ) for XXXX XXXX XXXX. On XXXX/XXXX/2016, I spoke with CBE Group to confirm the issue has been resolved and that they 're in the process of withdrawing the bill from my credit history. I informed CBE Group that they never called me, but was informed that CBE Group does make phone calls to inform customers of the unpaid bill, but DOES NOT LEAVE MESSAGES. If an issue like this can impact my credit history by 100+ points, I think it is very important that debt collection agencies leave a proper voicemail and provide every opportunity to have these issues be resolved before it is impacting a consumer 's credit history. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased a property in XXXX ( XXXX XXXX ) and used Bank of America to finance the 1st and 2nd mortgage on it in XX/XX/XXXX. Unfortunately, the condo I purchased was involved in a real estate scam and as a result lost its value. On top of that, I had an unfortunate tenant issue where the tenant got diagnosed with XXXX XXXX and was dealing with mounting medical bills, and eventually could no longer pay rent. I tried to work out a coop short sale in XX/XX/XXXX with Bank of America but they basically ignored me and then foreclosed on me less than a year later in XX/XX/XXXX. The first mortgage account got closed out in XX/XX/XXXX, but it took Bank of America another 2 years to close out the 2nd mortgage account in XX/XX/XXXX, which prolonged the derogatory marks on my otherwise pristine credit score. To add to the insult to injury, when the 2nd mortgage account was closed out in XX/XX/XXXX, there was apparently unpaid interest due ( {$44.00} ), but Bank of America never notified me of the amount due. In XX/XX/XXXX, I received a letter from Bank of America notifying me that my 2nd mortgage account was closed, and my account was " paid in full '', so I assumed that the nightmare was finally over and that my credit score could finally come back. However, this was not the case, because when I tried to qualify for a mortgage for a home purchase XX/XX/XXXX, I was notified of the {$44.00} that Bank of America claimed that I owed, and, since they could not collect ( since I did NOT EVEN KNOW ABOUT IT ), they closed the account ( AGAIN ) XX/XX/XXXX with derogatory remarks, which caused my credit score to go down again! I am upset with Bank of America because there was never any notification of this unpaid interest when the account was closed. Additionally there was the misleading letter that was sent to me that indicated that I did not owe anything, since the account was " paid in full ''. I called the Bank of America recovery department and they were not apologetic to my case, and even mentioned that there is no communication between the active loan department and the charge-off department, so therefore consumers are not educated on the fact that there COULD still be monies owed, even if the account is closed!! This issue is basically preventing me from being able to purchase a house for my family, and this foreclosure happened FIVE years ago!

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 2015-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America has re acquired our mortgage from XXXX ... in this process they have charged a fee to us, and show it as late, even though the transfer took place in XXXX 2015 ... the fee, XXXX they say is related to the expenseof acquiring our mortgage ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This XXXX  XXXX card was opened in the year of XXXX  amount of {$460.00} of a dollar transactions made with this card involved fries XXXX XXXX XXXX XXXX XXXX Etc these were not transactions made by me and or I do not have this card this car was wrongfully filed under my name I do not have a XXXX  XXXX card I have been a victim of identity theft and or fraud before

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15
Company: Experian Information Solutions Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently disputed this information several times with Experian and the Auto Lender. Experian will put only what the creditor tells them and this needs to stop! Thanks to your website the late payment was disputed and resolved. 25 of the 30 pts taken on my credit score were given back due to the lender admitting that I should have never been marked late. Somehow this late payment is showing up once again on my credit report. It's not that Experian didn't know this. They were in the complaint I made with you and the Auto lender so why have they gone back and changed my credit score again??? I am so sick of this! This makes no sense! I submitted this complaint on XX/XX/2021 COMPLAINT ID XXXX You will see this matter was resolved and now the Credit Bureau is saying they don't have to deal with duplicate disputes and they went back and changed the information even though I had a letter in writing stating they should never have marked it late.

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 2017-01-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I went to XXXX XXXX XXXX XXXX XXXX in XXXX, CA. My original loan amount was approximately {$55000.00} and now I owe over {$100000.00}. For years I have requested my payment be lowered to a price that I can afford, but instead they will only defer or forebear it adding more interest and penalties. They are unwilling to work any different solution. I am now at a point where I will just die with it and they wo n't be able to get any money. I could never repay that amount they are asking and it will only continue to grow

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: CL Holdings LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
My name is XXXX XXXX XXXX date of birth XXXX/XXXX/XXXX and in XXXX/XXXX/XXXX I tried to contact JEFFCAPSYS because I 'm taking steps to fix my credit and unfortunately the phone num, ber on the credit report is disconnected that number is XXXX since I could n't get in touch with them I tried colling XXXX wich is the original creditor, but they were not able to help me they told me I have to contact JEFFCAPSYS when I told them their phone number is disconnected they gave me XXXX, but when I tried calling that number since XXXX/XXXX/XXXX it tells me to call back during regular business hours but I have called different times and dates since XXXX/XXXX/XXXX with no luck I always have the same answer ' to call during regular business hours "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-10
Company: Navient Solutions, LLC.
State: MI
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:
This is about my enrollment through XXXX. When I first enrolled at XXXX back in XX/XX/XXXX, I had no idea what I was getting myself into. I came in for a visit and by the end of that visit I was an enrolled student. I was pressured by the end of my visit into signing up for classes. The rushed my financial pack, which they completed everything on their own. I had no I idea about and interest rates and what I would be paying. I was blind sided coming, and the same exact reasons the CFPB is suing XXXX tech are some of the same issues that I have experience. I have been paying up to date in good faith, because yes I did attend the school so I have no issues paying. I first filed a complaint back in XX/XX/XXXX. But I believe there should be a better resolution. My loans are now through Navient. Because XXXX used high pressure sales tactics I believe there shoud be a better resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Global Lending Services LLC
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:
On XX/XX/2021 I decided to search for a vehicle so I went online to XXXX XXXX  website and applied for a car loan and was pre-approved for {$35000.00} so I took the pre-approved letter to XXXX XXXX XXXX XXXX fl and spoke with the sales manager by the name of XXXX  XXXX I handed the letter to him and shortly after I was approved for the amount with a approved trade in and I was able to drive off the lot with my new vehicle. However, the same day about a few hours later I started getting alerts that my credit was being ran by random lenders and I didn't know why so I called XXXX XXXX to ask why my credit was ran so many times when I had been approved the time my credit was ran the gentleman which was the salesman who sold me the vehicle said didn't know why they ran it so many times. So I'm seeking help from you to have all inquiries in question to be removed immediately because my report was pulled 9 times without my authorization please and thank you. 

Global lending services XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Navient Solutions, LLC.
State: IL
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:
There were XXXX accounts from Navient that were removed from my credit reports and added back without proper notification. Please remove these items immediatley as they are in violation of the FCRA. 
Cited text under 611 - 15 U.S.C. 1681i ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Navient Solutions, LLC.
State: NC
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:
I am the step-father of an adult daughter, and cosigned a school loan in XX/XX/XXXX for ger. Her and her husband filed bankruptcy in XX/XX/XXXX, I was never notified of this, by any party in any form. 
In XXXX of this year, Navient informed me that the loan and all of its capitalized interest is now solely in my name, based a bankruptcy judgment. It was the first time I even knew that there was a bankruptcy. 
If I had known the true state of the loan in XX/XX/XXXX, this loan would not be double the amount and at a high interest rate. I had many options in XX/XX/XXXX on what to do about it. But I was denied that opportunity. 
No one I 've talked at Navient will state that they should have let me know about the bankruptcy. I received no correspondence, notification, nor personal contact that this loan was fully in my name and not being paid on during the time of the bankruptcy. 
I 've reviewed the Promissory note I co-signed for this loan, and the particular policies that Navient has invoked to keep me ignorant of the state of this loan are not part of that contract. It states the co-signer responsibilities, and the fact that the loan is not eligible for bankruptcy forbearance. It does not state that Navient will deny information about the loan to me based on a filed bankruptcy ( which is what happened when I contacted XXXX XXXX and then Navient based on my credit report findings ). 
I have had this loan fully on my credit report during the time of the bankruptcy. During that time, I called Navient to question the accruing loan balance on my credit report, and they would only tell me the loan was in my name, and it always had been, and that there was no other signer of that loan. My assumption was that the records were incorrect at Navient or the credit report. The bankruptcy was never made known to me till I called Navient after receiving a billing statement this past XXXX. 

My credit score dropped over XXXX points since last year at this time. I was turned down for a refinance during that time. In XX/XX/XXXX, I was given a government clearance based on the fact that I stated that I was only a co-signer for this loan, which again I assumed the credit report had it mistakenly listed me as the loan-holder. 
I was not provided any options or opportunity to address this loan when this bankruptcy first occurred. XXXX/Navient actively kept me from knowing of this when I contacted them about the credit reporting. The only contact I had with Navient was what I initiated, and it was full of deception or incompetence that prevented me from determining the state of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. Since it happened after I made a genuine transaction. I have not been able to get help from them for days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: ALLY FINANCIAL INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2021-02-14
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
CACH LLC over the past 10 years continues to send harassing letters after I send them legal Cease and Desist responses. I have also called and verbally asked them to stop and and all communications. It is such an old account that I had to ask them what it was? They do not even know what the debt was as it has passed down to several other agencies, companies and debt collectors over the past 10+ years. 100 % of my income is non collectible by law, I am XXXX  XXXX and on XXXX. But, in additon, the statute of limitations has run way out and I have made them aware of this. Each time they come back with the same account just under another 'new ' collection agency name, which I have kept record of. CACH LLC, XXXX XXXX, LVNV Funding, Resurgent Capital and XXXX. I am sending them another hand written letter back today with their letter enclosed. I am willing to prosecute them for harassment if this continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: Navient Solutions, LLC.
State: NY
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 had a series of student loans originally obtained from XXXX but which were consolidated and then serviced by XXXX XXXX. The interest rate was locked in for the life of the loan ( only XXXX loan since the consolidation took place ) and have thereafter been paying the loan off monthly and have never missed a payment. Some time last year ( I believe ) the loan was transferred to NAVIENT and I continued paying off the loan. Again, never missing or late with a payment. Since I have the loan paid to NAVIENT via my online bank XXXX I noticed that my last months payment had gone up {$30.00} per month. I contacted NAVIENT by email and informed them that since my loan consolidation was at a fixed rate of interest for a fixed time period, unless they could provide me with a logical and SPECIFIC reason for the increase, I had no intention of paying the increased charges. I received an email from NAVIENT stating " after a review of your loan, we noticed that the minimum monthly payment amount needed to be modified to allow the loan to be paid off in the agreed upon timeframe. As a result, we adjusted your monthly payment amount so that your loan will be paid off as scheduled. The interest rate on your loan has not changed. '' I so not find this to be a satisfactory response in that when the loans were consolidated the lender and I both agreed to a specific interest rate and number of payments to satisfy my obligation. 
I further understand that there has been an extremely large number of complaints filed against NAVIENT since they took over collecting student loan payments and I can now understand why this is happening. I also understand that the Government is considering, suing NAVIENT for their methods and operations if they have not already initiated such an action. My attempts to deal with NAVIENT representatives has proven fruitless. Their telephone reps are ill informed to say the least. Additionally, they call me daily regarding this matter but when I call them back, the reps are not qualified to discuss the issue. It seems that this whole effort on their part is a ruse to increase their income or profits. It seems I have no other option to file a complaint with your agency with the hope of ultimately getting these people out of the student loan collection business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I've recently reached out to XXXX, XXXX, and Transunion in regards to information being reported by the bureaus and asked of them to validate the information and provide me with results and an updated report showing any unverified accounts removed. I have not received any information. I have been waiting since XXXX. My profiles with these bureaus are still showing multiple inaccuracies and I've sent multiple letters. This has been affecting my credit worthiness and I'm not able to obtain new credit in results of this.

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 2022-08-04
Company: EQUIFAX, INC.
State: TN
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, Amount {$850.00} has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the XXXX period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. 

I am so tired of the credit bureaus disrespecting my privacy and not assisting me in reconciling these erroneous accounts.

Company response to consumer: Closed with explanation