BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-15
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Hello, I have a private loan with XXXX XXXX XXXX. I defaulted on my loan and I was n't able to pay because of unemployment. They sent my debt to collections were I was making {$40.00} a month payments. Then they sent it to another collections agency and now it is with Weltman , Weinberg & Reis collections. They have been calling my parents house everyday since last week. They sent me a letter in mail saying pay in full. But I 'm still not working and have XXXX money in bank they only thing I can afford is {$15.00} a month until I 'm employed and I 'm more than willing to make higher payments. My father co sign but I 'm responsible for the loan he is n't working either and have medical bills because he had XXXX and had to have XXXX last year. He had a total of XXXX in 7 months the most recent in XXXX 2015. When he cosign he had no idea I would n't be working and could n't pay. So I 'm responsible and just need to make monthly payment plans or a rehabilitation program that I was n't offered by original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
When I graduated from college in XX/XX/XXXX, I was not able to find a good job and I had XXXX children at home. XXXX never offered any income driven nor lowered payment plan that might help me pay my student loans. They just kept putting me on deferment every 6 months until my deferment ran out. Then they offered me forbearance. In XX/XX/XXXX, my husband was laid off from his job. That lasted for 2 years. My payments should have been lowered but XXXX only offered me deferment, not a solution to help me repay my loans. I have almost exhausted all of my forbearance and I am still having trouble paying my student loans, 10 years later. Last year, I had applied for an Income Driven Repayment and the loan counselor asked me to submit my tax return and my pay stubs for me and my husband. The part of the office at Navient that calculates the repayment told me that my monthly payment would be about {$900.00} per month. I told them I could not afford that much and that it should be lower according to my tax return. Each time I called them, the loan counselor would extent my forbearance for 2 or 3 more months until they could figure out what they had done wrong. They would tell me that I should only be paying around {$500.00} but they were unsure what they had done wrong in calculating the amount. It took from XX/XX/XXXX until XX/XX/XXXX to figure out that they needed to only use my tax return and not by pay stubs and tax return to calculate my payment. They used 10 months of my forbearance time to fix their mistake. My payments were recalculated to around {$370.00} per month. Now I am facing XXXX which will put me on temporary XXXX and I 'm afraid to call them to see what happens next. This has been a nightmare dealing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
I paid off and closed my Bank of America credit card account on XXXX/XXXX/15. The payoff was arranged through XXXX XXXX XXXX XXXX. An automatic recurring online charge of {$21.00} from my phone carrier was charged to the account XXXX/XXXX/15, a full week prior to the payoff but BoA never included this charge in the payoff and never sent a statement informing me of this charge. I received a letter dated XXXX/XXXX/15 ( arrived XXXX/XXXX/15 ) informing me of the outstanding balance plus fees bringing my new balance to {$76.00}. I spoke with a BoA supervisor XXXX XXXX who initially told me to pay the original charge of {$21.00}, which I did, and she would attempt to remove derogatory credit from my credit report as well as the fees and interest charges. I heard back from her today and she stated I was responsible for the full balance, which today stands at {$54.00}, the result of fees and interest and if I did not pay the entire amount she would not remedy my credit report. My credit history is excellent and had I received a statement my credit history shows I would have paid it off immediately. I should n't be held accountable for these exorbitant fees and charges due to BoA 's oversight in not including the original charge to the payoff amount in a timely manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-06
Company: EQUIFAX, 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:
My personal information was taken from a storage unit I had that was auctioned off. I am a victim of identity theft and the following accounts do not belong to me. Please Delete these items immediately. I have reached out to all creditors to let them know as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed an unauthorized charge that appeared on my XX/XX/2021 statement. Capital One failed to research my dispute and continues to report missed payments because I refuse to pay for this unauthorized charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-06
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I finally received a ledger of the amount that I " owe ''. The balance on the ledger states {$2700.00}. I have added this up several times and do not come close to that balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: EQUIFAX, INC.
State: NC
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 sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We obtained a loan on a used vehicle in XXXX. In XXXX, we decided to pay this off early as we had several issues with the bank posting our payments correctly. The payoff letter was received on XXXX XXXX, a check was written that day and was sent to the address noted in the payoff letter XXXX a copy of the letter was enclosed with the check ). The check cleared my bank on XXXX XXXX. It is now XXXX XXXX, and we still do not have a title for the car and have been threatened with repossession. Both my husband and I have already logged complaints on this site. I have had repeated contact with XXXX representatives from the bank and have provided them copies of my cancelled check and bank statements several times. Every time the information is sent, they either claim they did n't get it or ca n't find it or it 's not quite what they needed. The most recent complaints on this site were closed out on XXXX XXXX saying that their " resolution '' was to ask for a copy of the cancelled check without the routing and account numbers redacted. As I said, they 've already received a copy of the check ( routing and account numbers are redacted ) and a copy of the bank statement XXXX account number also redacted ) as proof that the check cleared. Even though I am not a fan of handing out this sensitive information, I faxed the un-redacted copy on XXXX XXXX, the morning after we received the " resolution ''. At this point, I have heard nothing back and my voicemail has gone unanswered. Our car loan has been paid off for XXXX months now, and we are still arguing and waiting.

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 2016-12-13
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was an officer of a corporation that leased a building up until XX/XX/XXXX. The building was completely vacated in XX/XX/XXXX while a dispute on unpaid rents remained active. We made a settlement agreement of {$10000.00} in monthly payments of {$620.00}. All payments were complete and the matter was closed. On XX/XX/XXXX I received a notice from FCS Collect claiming that {$18000.00} was assigned to their office for collections for that lease. It shows {$13000.00} principal and {$5100.00} interest. I spoke to a XXXX there and provided an email with the check numbers and dates of the settlement payments and advised her that this was a time-barred lease agreement. According to California Code of Civil Procedure section 337, that the landlord was long past the four years statutes of limitations. She thanked me for the information and said she would pass it along to XXXX, the leasing company. I had not heard anything else back from her. Yesterday, on XX/XX/XXXX, I went to purchase a vehicle and to my surprise, my credit score dropped from 780 to 650 due to a bad/false claim from FCS for {$18000.00}. This effected my interest rate on the purchase costing me well over {$1000.00} of interest on my future payments. I contacted FCS this morning with my disappointment and prior to hanging up on me, they said " do not call back ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Payoff process

Complaint:
My bank sent a payoff to my credit card company ( with Home Depot ) on XX/XX/XXXX to an address that the credit card company provided to them. The credit card company cashed the check and it cleared on XX/XX/2016. The check was sent with a letter to payoff and close the account specified on the letter and the check. As of today it has not posted to my credit card and the account is still open. Home Depot can not locate where the payment was applied and has basically refused to work with me or my bank. Copies of the cleared check ( front and back ) has been faxed to them multiple times and they can never locate the fax. Every time I call Home Depot it is a different person I talk to. No notes are ever made from previous calls so I can be certain that no-one there has attempted to address the situation which started early XXXX. I received a call from the collections department today stating that my account is past due and there are late fees and interest that have been applied. The story was explained again and she was unwilling to help in researching where the payoff check went.

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 2022-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a service from a fraudulent company. Capital One finally issued a partial credit for misrepresented services that were never delivered. I received no receipts from XXXX XXXX, an affiliate of XXXX XXXX. I worked with Capital One for several months. Most of the time the representatives were in the XXXX. Initially, they claimed they did not receive the info and docs needed. Then after delivering said docs via fax and email several duplicated times, they then said too much time had passed to help me. These poorly trained 'out-sourced ' contractors seem to always have an alibi for not performing in my best interest. They did, however, credit my account for 2 of the 3 fraudulent transactions : merchant misrepresentation and delivering no useable results. Why not credit my account for all three fraudulent charges? Good question. To make matters worse they had the gaul to say, even at the supervisor 's level, to put the blame on XXXX XXXX, even furnishing me with their XXXX #. I have both employee name and ID #, as well as the supervisor 's. When I called XXXXXXXX XXXX I was informed by another person in the XXXX that Capital One 'does their own thing ' and XXXX XXXXXXXX has absolutely nothing to do with Capital One disputes. 

Hoping to finally get some help with the 3rd dispute, having been a loyal card holder for at least a decade, I now find myself searching for a more reliable XXXX XXXX or XXXX provider. Over the past several years I have never had such a long drawn-out hassle getting monies credited back to my account after falling for scams seen online. Please help me get my lousy {$35.00} back. Capital One used to be much more card holder friendly. You may refer to Capital One Case : XXXX. XXXX XXXX with account number ending in ... XXXX. I am so glad we consumers can still find help when others try to 'step out of line. ' Glad to see tax dollars go to good use. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-29
Company: ZENCO COLLECTION, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This account is n't mine but they insist that it is mine and with my social. They are very nasty and threaten me in everyway

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 2017-02-14
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
I was charged by a third party without authorization. 
I disputed the amount but my credit card company still charged my for XXXX without any proof that I authorized the transaction. I spent hours on the phone with them but they are not giving me my money back

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 2022-02-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Have been a victim of identity theft and relayed supporting documents to the company to display this but was meet with continued refusal to adjust the account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I APPLIED MY CREDIT CARD WITH BANK OF AMERICA ON XX/XX/2015.ON LINE. I WAS INFORMED ON XXXX XX/XX/2015 THAT MY CREDIT CARD WAS APPROVED BY THIS BANK. I ALSO GOT A LETTER, DATED XX/XX/2015 STATING THAT CREDIT CARD WAS APPROVED. I FILE A COMPLAINT ABOUT SAME ISSUE EARLIER WITH CFPB. SO FAR. I DID NOT RECEIVED MY CREDIT CARD TILL XXXX XX/XX/2015. XXXX XXXX ( TEL # XXXX, X XXXX ) CALLED ME & INFORMED ME THAT CREDIT CARD WAS MAILED ON XXXX XX/XX/2015, BUT SHE WAS TELLING ME LIE. I CALLED XXXX XXXX COUPLE OF TIME, SHE NEVER EVER COME ON PHONE & NEVER EVER RETURN MY CALL. IT SEEMS THAT BANK OF AMERICA HAS A VERY POOR CUSTOMER SERVICE & HAVE NO RESPECT FOR ME AT ALL. IT HAS BEEN MORE THAN XXXX MONTH WHEN I APPLY FOR CREDIT CARD, BUT I DO NOT HAVE IT TILL TODAY. PLEASE HELP ME TO RESOLVED THIS ISSUE AS SOON AS POSSIBLE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX we called Bank of America to let them know we were struggling and see if we could move a payment to the end of our loan. They said that we could get a loan modification and that would help out more. We were told to skip XXXX payment and start making the new lower payment on XXXX XXXX, then after 3 months it would be reviewed and we would know if we were approved. We were approved and everything was fine till XXXX when I made XXXX payment early on XXXX. I started getting phone calls on the XXXX saying I missed my payment. When I answered the phone we would have to go through a major ordeal that the loan was in my husbands name and that they could n't talk to me about it, we had send in a letter XXXX different times giving me permission to talk to them, it would work for XXXX or XXXX phone calls but then we would go through it all over again. They insisted that the payment I made was XXXX and would go all the way back to the payment they told me to skip saying they were all late. I received multiple harassing phone calls daily. It did n't matter how many times I explained they insisted I missed a payment. They never would assign me to just XXXX person to handle the account, I had to call and talk to several people and explain to each XXXX the whole story ( sometimes XXXX a call ). I would finally get someone who sounded like they knew what they were talking about only to be told to call back in XXXX hrs to see if it was fixed. We went through this for a year! Constant phone calls, no results. Finally in late XX/XX/XXXX we gave in and paid some of the fees that they said we owed just to be done with it, even though I have documentation that we never missed a payment. Last month XX/XX/XXXX I noticed a {$15.00} charge on my statement so I called to see what it was for. I was told it was due to a missed payment in XX/XX/XXXX, I explained the whole story and got the same run around, " I 've submitted it for review, please call back in XXXX hrs to see if it is resolved ''. As of XXXX weeks later it still is not resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: EQUIFAX, INC.
State: NC
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 am submitted several disputes to equifax, XXXX and experience and they all come back as verified. I just submitted a dispute with each of them inXX/XX/XXXX and again in XXXX 2017 and the same results. I also email each of the companies and on report and XXXX XXXX back sent a packet that included billing statements. The issue of inaccuracies was never address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: NY
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: The Bureaus, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon looking through my credit report and noticing an unknown debt collection. I reached out to the company via certifed mail with a letter asking to verify the debt. I sent the letter USPS Certified Mail ( Tracking Number XXXX ) on XX/XX/XXXX and The Bureaus located at XXXX XXXX XXXX, XXXX, IL XXXX received it on XX/XX/XXXX at XXXX am. Upon giving the company 30 days, I received statements ( XXXX XXXX ) from the alleged account. I reached out to XXXX XXXX about the account in question. I spoke with a rep named XXXX and he stated " the person who opened the account stated that the date of birth was XX/XX/XXXX and my date of birth is XX/XX/XXXX ''. Also he stated " that the account was opened in XXXX which is before I turned 18 years of age ( Which is a violation of their terms and agreements ). The conclusion is that the account was a result of identity theft. If the company ( XXXX XXXX and The Bureaus ) verifed all the information they should have notice the DOB does not match with mine nor was this account legal for them to open. This process should have been thoughly verified before adding on my credit report. I am willing to take all legal options, if this account is not removed from my credit report.

Company response to consumer: Closed with explanation