BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-20
Company: Universal Fidelity LP
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A business called XXXX XXXX XXXX XXXX sent me to a collection Agency named XXXX XXXX XXXX Director XXXX XXXX.They dont pay attention at my letters.The bought items were a fraud a fake.Send them back to company.Look different than the pics.I returned them after 30 Days asking for a refund.Nothing was done! Nothing.Now they are killing my credit reports.We are in Chapter XXXX paying all our bills on time.This is negligency on the collection Agency .This must be fiscalizar and STOP. Is a fraud.Please help me stop their reporting to the credit Agencies.This is wrongdoing.Due to the lack of sales we filed chapter XXXX and we r working 24/7 to get off our debts and start our business.Please stop fraud.Thank you so much.Sincerely, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: AR Resources, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a report debt of XXXX $ that I 'm not sure where it 's coming from. I 'm looking to contact and speak with somebody that can help me figure this out and fix this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a fraud victim of XXXX credit card. XX/XX/XXXX I reported to XXXX amount {$8100.00} was stolen in my account. 60 days for investigate by XXXX policy. But I did not receive anything on XX/XX/XXXX until XX/XX/XXXX from XXXX. I received a letter on XX/XX/XXXX, they wrote that you are responsible to pay this amount and some fee charge. When I called them to resolve my fraud case, they gave to me : XXXX. ( it's cash services ) It's not XXXX services and another number in their letter was scam when I checked XXXX XXXX ( XXXX ) Why XXXX did not find the bad person who used my credit card? 
Why XXXX enforce me to pay this amount and some fee charge that I never use it? 
It's not my fault. Unfair for me.

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 2016-11-08
Company: National Principal Group, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company by the name of NP Group, supposedly out of New York keeps contacting me and my family member saying I have XXXX unpaid pay day loans which I did not apply for. They say I owed around {$1200.00} originally and then I asked for documentation. I was then told they are a paperless company but they will email me documentation of the debt. I got an email with XXXX PDF files of some of the most unprofessionally put together statements of debt that which added up to be over {$300.00} than the original amount. I was then followed up with another phone call with them stating that I had said I wanted to settle, which I did not. I then asked how do I know this is not a scam and the girl got extremely rude and said that she had sent the documentation proving it was not a scam and if I did not settle that the phone calls would continue and will not stop. She called again the next day and I told her that I was reporting them and was not going to pay them anything and she said ok sir the well we will continue to call until it is settled and then she hung up on me. Ironically less than 1 hour after I was hung up on I started getting emails and phone calls saying I have been approved for the loans I applied for. So far I have contacted XXXX, XXXX, and XXXX. All of which said there were loans applied for with my name and email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XX/XX/XXXX, I attempted to make a purchase at the XXXX, XXXX XXXX in the amount of {$51.00} using my Bank of America Debit Card which is linked to my checking account. I inserted the card ( with a chip ) into the machine and after waiting nearly a minute, the clerk asked me to remove the card and insert it again, which I did. After nearly another minute, the clerk advised me the sale was declined and asked if I had another card I could use to make the payment. I said I did, but preferred to use cash instead. I completed the transaction using cash for {$51.00}. The next day, I checked my online banking statement and saw that XXXX transactions for {$51.00} at the XXXX XXXX were pending. Several days later, I noticed the transactions had cleared and my account was charged {$100.00}. On or about XX/XX/XXXX, I filed a claim with Bank of America for the incorrect charges. I was asked at that time if I had the receipt for the cash purchase and I explained that I did not. Several days later, I was advised the XXXX charges totaling {$100.00} would be temporarily credited to my account while the claim was being investigated. 
On XX/XX/XXXX, I received a letter from Bank of America stating " We 've completed our review of these claims and have determined that no errors have occurred in this instance. '' Further, the total amount of {$100.00} will be reversed from my account on XX/XX/XXXX. I immediately called Bank of America Customer Service at XXXX and spoke to XXXX in XXXX with the Fraud department. He stated that the claim was denied because I could not produce the receipt proving the transaction was completed by cash. I informed him that the issue is that I did not provide a PIN nor did I sign a credit charge at the time of purchase and it does not matter whether I completed the purchase or not or how I paid for it. After some insistence, XXXX finally decided to escalate the claim but I have my doubts to the outcome since he said it was my responsibility to prove my claim by providing the cash receipt.

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 2022-05-31
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
account # : XXXX, has 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: DISCOVER BANK
State: RI
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:
There was a fraudulent transaction done using my discover credit card. I have submitted proof to the company showing that it was impossible for me to have done the transaction. The purchase was made in a different state at a store that I had never been to before and the store was a jeweler for an exorbitant amount of money that I would have never paid for jewelry. 

Discover has said that I am responsible for the transaction but has failed to provide any proof or reason as to why I was liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage loan with Bank of America and live in XXXX, KY. Since Bank of America does not have any branch, office or ATM locations in my city it is not practical for me to have my checking account with them. 
I recently attempted to make a principal only payment to Bank of America online. Their online service prohibits me from making this simple action. Instead, it requires that I may my normal monthly payment plus any additional principal payment. Since this is an extra payment, they put the loan in a " paid ahead '' status - meaning it was not fully applied to principal. If I had not been paying attention I would not have received any credit for paying the extra payment. When I called BofA, they did " move the payment '' to principal and explained that if I was their checking account customer I would be " allowed '' to make a principal only payment online but since I am not their checking account customer I am not permitted to do so. In essence, they are penalizing me for their failure to open locations in markets that they lend to. My loan was bought by BofA, I had not control over them becoming my lender. Why should I have to take time every month that I make a principal only payment to call them and tell them how to do their jobs? How many of their customers have not paid attention and ended up paying untold amounts of extra interest charges when they thought they were making a principal only payment? This seems both unfair and deceptive in my opinion and the fact that I have to take my time to straighten out is abusive on my time. If I could move my loan to XXXX I 'd do it in a heartbeat. I do not have any deposit banking relationship with XXXX but they still allow me to make principal only payments on a mortgage loan with 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 explanation
Consumer complaint received 2016-01-17
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Midland mailed a post card to me that anyone could see and know I had credit issues. If they wanted to communicate with me it should have been in a discreet envelope.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
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:
Transunion is continuing to report incorrect addresses on my account after I have sent in disputes regarding this inaccurate information. The last dispute sent in certified mail was XX/XX/22 tracking number 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 2022-05-31
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello CFPB, This is regarding consolidation of student loans. I graduated from XXXX XXXXl in XXXX. My loans were in forebearance until XXXX when I graduated XXXX I started repaying my loans in XXXX when I started working. I have worked for a non profit XXXX group since XXXX and made over XXXX  on time payments. 

I didn't qualify for the public student loan forgiveness ( PSLF ) during that time because I wasn't in an income based repayment plan. When they expanded the program recently ( XXXX I believe ) to the TEPSLF, I would have qualified. So in about XX/XX/XXXX, I applied for the TEPSLF as I had all federal direct loans. My loans were direct and with a company called XXXX at the time. I was not aware that I needed to do a direct consolidation with XXXX XXXX as it didn't indicate this on the paper forms that I filled out to apply. So I simply applied for TEPSLF and waited to hear back. 

I waited many months to hear back from TEPSLF so I assumed I wouldn't qualify. I didn't hear anything back so in XXXX of XXXX, I looked into private consolidation options to try and lock in a lower interest rate before rates went up. I contacted a company called XXXX and ended up doing a loan consolidation with them. 

Shortly after this, I was responded to my TEPSLF and was told I needed to do a direct loan consolidation first and then I would qualify for TEPSLF. I also learned after this that my loans were no longer eligible for direct consolidation as now they are consider " private ''. 

I contacted XXXX and asked if my loans could be returned to a federal loan and why I was not told that consolidating with them would disqualify me for TEPSLF. In a nutshell, there response was no and that it was not their responsibility to inform me. I have contacted everyone from them to the current loan holder, MOHELA, to the federal government and no one has been able to help. 

I think it is the responsibility of XXXX and other private student loan buyers to inform clients that this is a possibility. I am an educated man and the student loan space is VERY hard for me to understand. There is no way to expect the average person to understand all of this. 

I am reaching out here to find if there is any way for CFPB to help. I was recommended to reach out to you guys by federal student aid help center to see if anything can be done. 

Thank you XXXX XXXX MD

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wire transfer recall with XXXX missing and the bank refused to refund or send a letter to explain the issue. 
XXXX is missing from my account after a recall. I spoke with different agents to refund the money to my account or send a letter to explain to me what is happen. I heard different stories from different agents. 
XXXX : she asked me for money to trace the missing amount. 
XXXX : she said we do not charge customers for traceability process an she helped me to submit the complaint XX/XX/XXXX to her XXXX and she provided me the case number XXXX. XXXX said they will contact me within XXXX hours I did not hear from them. 
XXXX : I called today XX/XX/XXXX. XXXX told that his XXXX told him that the case was submitted XX/XX/XXXX this is not true because XXXX did already XX/XX/XXXX. 
Please feel free to contact me if you need more informations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: MA
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:
The terms of my student loan repayment were changed when Navient took over my student loans from XXXX XXXX. I was originally told that as a XXXX, I would be able to defer my loans as long as I remained a XXXX XXXX student. I am studying at the University XXXX pursuing my XXXX. At one point, I was charged the full principal of my loan, and was informed there was an error in the reporting of my full time status. Even though my University is a part of the XXXX that reports to Navient, they claimed I had not reported my full time status. I then had to go to the Registrar and get documentation proving my XXXX XXXX student status and wait for the information to be received and updated. This was very difficult trying to plan finances based on only a stipend from my role as XXXX XXXX. Recently I was informed that my XXXX I took out in 2009, was in full repayment. I had been paying the interest only on this loan, as I had been informed by XXXX XXXX it was not available for full deferment. This year ( my XXXX as a XXXX student ) I was informed the amount of months for my deferment was limited to XXXX, thus, I was required to pay the full principal and interest of my loan. This is different from what I was told by XXXX XXXX, and also by a manager at Navient. I had called to get this all explained to me, and I was told by a manager that since I was paying the interest and was not in full deferment, they should not of run concurrently, I was put on hold, and disconnected. When I called back, a different manager told me that my 48 months was up, and there was nothing I could do and was required to make full payments. I explained another manager had told me otherwise, and they did not look into this further. I looked up the promissory note from 2009 XXXX, and a deferment of 48 months is not listed. I was told by Navient, that when they took over the loans, some of the terms were changed in my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: GA
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:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have recently received e-mails regarding the change in repayment plan that was set to expire at the end of next month. Navient had mentioned that I call them if I would have difficulty making the payment. My current budget had allowed for the repayment plan that I was currently on but the new repayment plan I was required to take on is outside of my budget and does not work for my financial situation. I called Navient today and spoke with XXXX ( XXXX ) and explained my financial situation and asked for estimates on proposed payment plans - he explained that due to my income level I did not qualify for any alternative repayment plan. I asked him how the repayment qualification process worked and whether consumers were aware of how and at what income levels we qualify for repayment plans. He told me that he did not have that information and that it was not available to consumers. I felt that this policy is very opaque and does not offer consumer 's the full understanding of why they have to pay specific repayment plans. Given all of the income and financial obligations that I have I would like to know how and why Navient builds their repayment plans ( what percentage over time and whether they can extend the life of the loan and whether there are actual repayment options ). I have been faithfully paying my loan since 2010 and do n't appreciate that arbitrary and non-transparent nature of my service provider. I 'm willing to make payments but do n't understand why my provider can not find common ground with me to make payments and work with my budget.

Company response to consumer: Closed with explanation