BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-26
Company: LendKey Technologies, Inc.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am the co-signer on my daughter 's private student loan. She obtained a XXXX XXXX XXXX XXXX degree in XX/XX/2014. She obtained a wonderful job approximately two months later with a well-known international company. She travels around the world doing XXXXXXXX XXXX XXXX XXXX XXXX XXXX.

It is nearly impossible for her to make her private student payments on time ( in addition to her federal loan payments ) due to her pay schedules and the exorbitant amount of the loan payments. Her payments on this loan alone well exceed her rent payment, she owes more than she borrowed even after three years of payments, and we have just learned that she has only been paying the interest ( at 8.73 % )! Soon, LendKey will begin tacking on principal, tool.

Worse, LendKey 's website never seems to accept payments correctly, resulting in missed/late payments and nasty penalties and credit problems. She has no choice but to call LendKey representatives in person at the end of each month to make payments manually. The company has been promising to fix their horrible site for many months now and yet nothing has been done. 
This student loan scam is a crime. How is this not illegal? These loans seem designed never to be repaid and to keep the former student in debt forever. How can today 's young professionals expected to buy a car or a house when they have no money left over each month to even buy food? This is a terrible, corrupt system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Other

Complaint:
This is a complaint against Capital One SAKS FIFTH AVENUE MASTER CARD ; Credit Card. I am a victim of identity theft and this credit card does n't belong to me and and was opened without my authorization. Through the law I have the police report which i will attach with this complaint. So you have the immediate elimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I have two issues with Capital one. About a year and a half ago I had a hardship. I was a couple months behind on my payment. I have since got caught up. I have not missed a payment in over a year nor been late. This company promised to remove the late payments made two times on a recorded call. They did not honor their word. I called yesterday and requested an extinction do to hurricane XXXX. They were questioning me about what happened. I told them I am okay I did n't loose my house, although I have n't received my paycheck do to power outages and banks being down. I asked them to XXXX me until next week. The supervisor did n't care. He said NO sorry you have to pay your bill by XXXX/XXXX/XXXX. I do not feel either is correct. I have disputed the late payments with all major credit bureaus two times. I explained that to this supervisor. He said we do not do courtesy reporting as it is illegal. I explained to him the other two supervisors should n't have stated that as that is illegal to tell someone you will do something in regards to a hardship then go back on your word as that is discriminating. They are also charging me two interest fees, one for cash advance, and one for regular credit. I do not know if that is correct although I do pay my bills. They said I will continue to pay an extra interest on that cash advance until the card is completely paid off, I did the cash advance in XXXX. Please keep in mind I have n't missed a payment since my hardship. 

Best Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
The purchase was made online at XXXX XXXX XXXX in late XXXX. The amount was listed as XXXX XXXX XXXX XXXX XXXX XXXX on my credit card, in the amount of XXXX, This was in WI, I have never been there nor have done business with this company at all, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax sent me a letter stating that almost everything was removed from my credit report except for XXXX item from XXXX XXXX XXXX, they claimed this was my account. Now I have been in touch with XXXX XXXX XXXX and they have told me that someone that I did not know was on that account and that they were investigating it. I would like the proof Equifax has received from XXXX XXXX XXXX since XXXX XXXX XXXX has not contacted me with their investigation results and another credit reporting agency blocked them from my report due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Other

Complaint:
On XXXX XXXX 2016 I called Capital Once Banking customer service to receive information about getting a payment I make expedited. Before even doing so I informed the representative of this being for emergency reasons. He told me of my options and that if I pay the full last statement balance of {$140.00} I would be able to call in the following day to them and they can verify with my bank that I have sufficient funds, in which I had more than substantial to cover the payment. I did this the following morning, XXXX XXXX, 2016, approximately XXXX, entered my personal information, and the new representative verified I have more than substantial funds. He then proceeded, put me on hold, and came back to inform me that they in fact could no expedite " my '' funds, despite the verification. I had met the needed requirement, but they had not only misinformed me, but demonstrated a motive I am unaware of. As I paid a large amount of my credit card, that I did not have to, I could have paid my regular $ XXXX monthly payment. I find this unfair practice to perhaps have an ulterior motive that should be investigated. I am not only significantly affected by this, but have taken financial action I did not need to, as I could have saved myself roughly {$120.00}. Upon expressing my frustration and what I believe is wrong about this matter I was told their is nothing that can be done and was transferred to, I believe, a Senior manager. She informed me the same thing and upon seeing what she could do and further wasting time, told me their is nothing that can be done, however, she said she can credit my card only {$50.00}, which does still not resolve this issue. Despite her efforts to assist, I was informed by this same representative that funds can not be expedited, in the first place, on secured cards. Now I am unsure how the previous XXXX representatives were not aware of this as they should be subject to know the rules and policies of the company they represent. As such mislead and misinformed activity can be avoided. However, I find this as a motive on their end, in which I have paid of more on my credit card than I was subject to. I will be closing this card with them as soon as possible. And I ask that this be investigated and resolved in light of the significant affect is has on me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: CONTRACT CALLERS INC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
CONTRACT CALLERS INC. HAS BEEN OPERATING IN ILLINOIS WITHOUT A VALID BUSINESS LICENSE SINCE XX/XX/XXXX. THEIR LICENSE EXPIRED ON XX/XX/XXXX. THERE ALSO APPEARS TO BE A GAP BETWEEN XX/XX/XXXX AND XX/XX/XXXX AND THEY HAVE BEEN ACTIVELY COLLECTING DEBTS WITHOUT A LICENSE. 

RE : Illinois Department of Financial and Professional Regulation

Company response to consumer: Closed
Consumer complaint received 2018-05-26
Company: Navient Solutions, LLC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
( XX/XX/2018 ) I called Navient this morning to rectify the problem and I got disrespected, insulted, the customer service reps said things like " I don't care '' or they would keep hanging up in my face like little kids instead of addressing the problems. Navient will print out anything from their computer and claim it as being true when in actuality its a lie, glitch or error. Navient kept hanging up in my face while saying " Why do you keep calling in? '' I answered " Because you keep hanging up in my face ''. Lastly I spoke with a Navient representative that refused to give me his name, he said he was from the OCP branch within Navient, He identified himself as " XXXX '' which I thought was very strange. The guy preceded to insult me and speak to me with a condescending attitude. The Navient rep behaved like a child, repeatedly hanging up in my face and joking around on the phone, finally instead of addressing the problem the Navient rep said He was calling the police on me for harassing and threatening him. He also said he would do everything in his power to keep reporting negative fraudulent things into my credit reports. After he threatened to have me arrested for calling about my problem I knew Navient was/Is a criminal enterprise! Why does the US Dept. of Education do business with fraudulent criminals? I went to the XXXX police department to check and see if Navient filed a false police report against me and they said that Navient could not do that and they wouldn't take a police report on that if they did. Navient does illegal things when dealing with students/customers and I would like something done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX XXXX I noticed a PAYMENT ADJUSTMENT on XXXX of my XXXX Capital One statements. When I called Capital One, the woman said it was an error & would reverse the charge so I 'd have a XXXX balance. Much to my surprise, the next month it accrued interest and my other XXXX accounts now had multiple PAYMENT ADJUSTMENTS totaling over {$1100.00}. I called again & they told me the payments were returned form XXXX XXXX, over 15 months prior. Capital One can not provide me which account they were returned from although these are MY credit cards & accounts.I had closed XXXX backing accounts in the past year and have no way to access data.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: STERLING JEWELERS, INC.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Received a call from a XXXX phone number before XXXX, XXXX. I picked up phone on fourth ring, and the phone calling hung up. I recalled them after XXXX, and complained, would not give me IID of person that called. Said they were sorry, and put supervisor on, again no ID provided. He stated that he in in Jared Jewelers corporate office in Ohio, and further stated it is the same time zone as XXXX, XXXX. I stated that it was XXXX I called the XXXX number and reach him. He stated well the towers are different and he ca n't be responsible for what tower was used and stated again he was in Ohio. He wanted to speak about my payment. I told him I ca n't pay till after the first when my VA XXXX check arrives. He wanted post date checks or my bank account. I refused and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I submitted a request to American Education Services to apply a natural disaster forbearance in order to prevent my loan from defaulting. I gave all the information requested and every time, I received a letter stating they needed the same information they requested. Every time I called in and gave them the information and every time they restarted the request, stating that it was a computer issue. When they finally did put the forbearance through, they completely ignored the loan that I had been requesting the forbearance for and then they defaulted that loan. I had requested it specifically to avoid that happening. When I emailed them to address the issue, they completely ignored my email. It 's been a week and a half and I have received no response and the issue has not been addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: APR or interest rate

Complaint:
I recently requested a {$6000.00} courtesy check from Capital One to use the 0 % 12 month APR to finance a central air conditioner repair. I was aware of the XXXX % fee and was comfortable with the fee. I received the statement listing the " Balance Transfer '' on my statement ; however, only an amount of {$2100.00} was listed in the 0.00 % Special Interest section of my statement. I " overpaid '' the monthly charges by taking the New Balance, which included the fee, and subracting the {$6000.00} and then adding an extra {$500.00} to the payment to start chipping away at the {$6000.00}. I received my latest statement and was shocked when I saw interest charges totalling {$15.00} on my bill and the 0.00 % section on my statement now listed {$6000.00}. I called Capital One directly to understand what happened. I spoke with a respresentative for over 45 minutes while she tried to figure out what happened. She placed me on hold several times so she could speak to her manager to get a better understanding. With each explanation I could state, based on what she told me, I still should not have to pay interest. At first she stated my payment went to the lowest interest rate balance first, which I stated is very unfair and deceptive as payments should be made to the highest interest rate balance first. I eventually asked to speak with her manager after she wanted to speak with him for either a third or fourth time. The supervisor came on ( expected a manager ) and he stated the grace period was waived once I requested the courtesy check and I would have to make a payment of all charges, even after the statement date, to forego interest charges. I would like to point out with this explanation, I would have to access my account online and then overpay that amount to guess what my upcoming charges may be so I do n't have to pay interest on any charges. I find the fact the initial representative could not explain to me what happend on my bill to support my claim of unfair and deceptive marketing and practices by Capital One. The supervisor did tell me I was told these terms when I requested my courtesy check and I informed him I had to ask the representative to slow down and repeat herself on several occassions and then I recapped the terms to make sure I fully understood what I was getting into. I did not recall the waiving of a grace period for charges. The supervisor stated he would review the call and get back to me no sooner than this Wednesday since he would be off the next few days. I called into Capital One on a Saturday afternoon ( XX/XX/XXXX ). I am expecting a call this Wednesday to hopefully put this matter to a close. I was on the phone with Capital One for over an hour and the item is still not closed. Depending on how this issue is resolved, I may end up paying more in interest which in effect turns the 0.00 % APR into 12.90 % APR, plus the XXXX % fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: Credit Karma, LLC
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Credit Karma has XXXX open accounts for XXXX.They have both been discharged in a bankruptcy therefore they are closed.I tried 3 times to get them to fix this they have not.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I received notice that I defaulted on a student loan from 1993. I thought I paid it but was not sure. I was talking with my family about it and they remember that I did pay it off. It was the first big obligation that I had paid off and at the time, they were proud of me. I started school with the promise of employee reimbursement but lost that due to XXXX. They set up a payment plan but I have been unable to make payments. The thing is, this is over twenty years ago and I do not have documentation from that time. I was homeless for almost five years and lost everything. Even with that, it is unreasonable to expect someone to be able to prove they paid something from 20 years ago. Student loans says they sent collection letters but I did not receive them. I move around a lot and was homeless, so they could have been an issue. My family states they never saw any communication. Even with the XXXX I am doing well in school but if I do n't get this resolved, I will have to quit. The attitude of the Department of Education is that even though I paid it, they do not show the payment, and I am supposed to pay it back. They will not budge, even though they have not looked for an error from that time. They state that there is no error because the computer show I owe the money. It does not make sense to me. I have tried the ombudsmen and they state I have to have proof of payment. Twenty years ago it was very normal to keep paperwork for 6 or 7 years then dispose of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call 4-6 times a day on my home phone and on my cell phone. They are both on the do not call list. They call from different phone numbers that have been reported as scams and do not answer. The area codes either do not exist or do n't work. I have blocked one of the numbers so far. The companies name is Portfolio recovery. You can not call any of these numbers back they are disconnected. The numbers are XXXX, XXXX, XXXX. I did see other numbers on all of the pages with these numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13
Company: Capital Management Services, LP
State: PA
Product: Credit card
Issue: Payoff process

Complaint:
I had an account with XXXX and has settled on XX/XX/2016 for the amount of {$260.00}. I continue to dispute this on my credit report which it keeps showing I have a past due balance of. {$160.00}. Evidentally this went to collections with Capital Management Services, then it went to XXXX XXXX XXXX, which I had settled on XXXX/XXXX/16 for {$260.00} of my total balance of {$580.00}. I continue to get bills for {$160.00} from XXXX XXXX XXXX, and this is showing on my credit report that I have not satisfied this account. When I paid XXXX XXXX, I received a conformation # of XXXX, and a reference # of XXXX. I spoke to a XXXX XXXX with XXXX, and was assured I settled this account on XXXX/XXXX/16. It is not showing on Credit Report that this has been settled, and is affecting my credit score. I would like this either removed from XXXX, XXXX, and XXXX, or show it has been paid and settled. I also have a written letter from XXXX XXXX stating they have received my payment in the amount of {$260.00} which was received in their office on XX/XX/2016..the letter states they have accepted payment as Settled for less than the full balance on the account. I want all XXXX Credit Bureaus reflecting this has been Settled! The letter I have received came from Capital Management Services, LLP ... reference # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I get a medical bills on my credit report who was paid by my insurance and still showing with a balance due.Now I received harassment calls from a collection agency with treated. I do n't have any knowledge of this until received this calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Thomas & Williams LLC
State: NC
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
XXXX- representing an affidavit from XXXX XXXX XXXX Said that I since I refuse to pay they will send to my XXXX for an arrest warrant.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
on or about XX/XX/XXXX I made a purchase for a {$20.00} shirt at the XXXX, ct day street festival. The vendor used his cube for my purchase which should have charged my checking account {$21.00} with Ct. sales tax included. The next day I checked my banking record and saw that the charge to my account by the merchant was put in as $ XXXX.xx and some change. I imediately filed a complaint with People 's United Bank for an adjustment which the paperwork was submitted on XX/XX/XXXX.  Documentation for all this can be found in my first complaint # XXXX. Peoples response to my claim is that they are still trying to reach the merchant and that they were giving the merchant another 45 days to respond? The bank has had significantly more than 45 days to resolve this issue and charge back the merchants bank/ cube company and return my overcharged funds. It has been 129 days since my adjustment was filed and even longer since the original purchase. Can someone please help me to recover my funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-08
Company: Midwest Recovery Systems
State: IL
Product: Credit card
Issue: Other

Complaint:
There is an unknown credit card debtor on my account which I know nothing about and have never known anything about it. These companies should not be able to report anything that is not valid until proven which in this case, it is not and will not be proven because this is not mine. In the meantime, my credit report score goes down 20 point without anyone proving this case. I dispute this behavior and I definitely dispute this charge. I want it removed immediately. The Company name is Midwest Recovery, XXXX, Missouri XXXX. Phone XXXX.

Company response to consumer: Closed with explanation