BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-12
Company: DISCOVER BANK
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Ever since Discover Bank took over my XXXX XXXX Student loans I have had nothing be trouble with what I am told and what the account shows. My payments are due on three loans on the XXXX, XXXX and XXXX of every month, but I do not get a statement/bill for that month until the XXXX or later. So after making payments and seeing them not applied, I have double paid many times. So long story short I am not sure if my account are correct or have ever been correct with all the errors I find in the accounting. For example XX/XX/XXXXI was reported by Discover Student Loans as being current for payments. Then at the end ofXX/XX/XXXX I was reported as 60 days late. I missed the XXXX payment due to being on FMLA, but paid as soon as I got a full pay check onXX/XX/XXXXone day after I would be technically 31 days later. However they reported 60 days late, also there are many other months I paid my loans and they did not report positive actions on my account. Currently as of today I have been told that want information on my account like this I need to get a subpoena. I just want to know what is in my account and know that they have applied payments as there are required too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-15
Company: Arnold Scott Harris, P.C.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received repeated automated phone calls ( robocalls ) for several months from a company that identifies itself as the Law Office of Arnold Scott Harris PC, debt collectors, and asks to be called back at XXXX. The calls originate from XXXX. The message does not state any name of the supposed debtor. I do not owe anyone any money and I want the calls to cease. Posts on the internet from other victims say this is a scam and that the Illinois Attorney General has declined to prosecute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My husband created an account, without my knowledge, and made me an authorized user but I did not sign a signature card. After his death, the bank sent me a statement with the balance and interest charged on the account. I contacted them in good faith and asked for a settlement but they refused to talk and sent it to a collector.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: VA
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 would like to add my complaint/ experience to the suit regarding the problems with Navient, which financed my students loans until XX/XX/2016 when I was able to move and consolidate them with XXXX. I feel Navient discouraged -- and even falsely advised -- me to over pay to reduce the principal on my loans. I also feel the did not correctly allow me, nor did they offer, to combine loans and did not give any information about changing rates. Finally, Navient would not adjust the loan to allow me to take my father off as a cosigner. As a result, after much communication and discussion, I had to change companies. It was just one thing after the next. Now, it appears I was n't the only one experiencing this. I thank you for this opportunity to share.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a credit card with NY & Co, had placed an order in XX/XX/2021, and XX/XX/2021. I then placed my third order of 2021 on XX/XX/XXXX. I received no error message, and order showed processing. I received a letter on XX/XX/2021 stating my account had been closed due to inactivity and/or information on my credit report. My score had recently gone down due to increased usage overall, but Ive never been late on any credit card payments. The funny thing is, they still shipped the order, even though they closed my account, so they still wanted that sale. I called Comenity, and they stated that was their policy. They said my account was closed on the XXXX, and it must have taken a couple of days for it to show, since I placed my order on the XXXX. So now I received my order that I had to pay on a closed account. Even if my overall usage went up, I had been making purchases with the company and was never late on this card or any others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
XXXX shows my Capital One credit card ending in XXXX as closed, when in fact it is not nor never has been closed. This started on XX/XX/21. I have filed XXXX separate disputes with XXXX XX/XX/21, XX/XX/21 and XX/XX/21 only to be told every time that the account is closed showing transferred/sold. When Capital One is contacted by myself, they confirm that the account is open and in good standing. They both point the finger at each other and NO ONE is willing to help. XXXX 's credit report is correct and shows my Capital One credit care as active.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account is reporting inaccurately. I have NOT been provided with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : Absolute Resolution : This account has been paid. 

XXXX XXXX XXXX XXXX XXXX XXXX ) : I have never had cell service through XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-15
Company: Navient Solutions, LLC.
State: CA
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:
This is pertaining to a loan I co-signed for a friend because she needed help getting a loan for school. I was under the impression that I can get out of being a co-signer after two years if my friend was able to show proof that she is able to take care of the loan herself. Navient ( which is part of XXXX ) made that promise to us and yet here we are 8 years later and they have refused my friend 's request twice to take me off as a co-signer. She has shown for the past 8 years that she can pay her loans on time ( she has never missed a payment ), and her and her significant other make more than enough money to be able to continue to pay for her school loan without my assistance as a co-signer, so basically NavientXXXX is essentially taking me hostage, when they themselves said I could be taken off the loan after two years of showing that she is responsible enough to make payments consistently, which she clearly has not missed at all. Navient/XXXX should n't be making false claims like this and giving people like me a false sense of hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: Navient Solutions, LLC.
State: TX
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:
Navient unresponsive to written requests.. overcharges, payments not recorded correctly.. loan consolidations twice then told they were not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: EQUIFAX, INC.
State: CA
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:
This company fails to report accurate information on my credit report and their actions are adversely affecting my credit report. This company is reporting that Ive been delinquent on my credit card payments three months in a row when this information is false. I owe this company XXXX dollars, in addition, they are not available or even have an adequate customer service number to directly dispute these issues, nor do they adequately respond to customer emails. They reported my account falsely as being delinquent on XXXXXXXX XXXX XXXX XXXX XXXX XXXX in addition to XXXX XXXX XXXX  These inaccuracies should be immediately removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: Resurgent Capital Services L.P.
State: LA
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:
I have attempted to contact the company to clear this debt and gotten no response. I believe it has been cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: EQUIFAX, INC.
State: IL
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 account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account is reporting inaccurately. I have NOT been provided with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX : This account has been paid. 

XXXX XXXX ( XXXX XXXX XXXX ) : I have never had cell service through XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: Navient Solutions, LLC.
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
XXXX NAVIENT ACCT # XXXX Exactly what you found with XXXX/ Navient in the press release happened to me. I was recommended to refinance in XX/XX/XXXX and XX/XX/XXXX, which I did. Also, with economic hardship, I was unable to make full payments, so the representative directed me which form I needed to fill out and submit so my loan would not go into default. I was told to pay what I am able to. There were no options given, just " this is what you need to do. '' and I follow their instructions. My XXXX XXXX School Loans were disbursed from XX/XX/XXXX-XX/XX/XXXX for XXXX totaling {$160000.00}. 
{$230000.00} TOTAL payments XX/XX/XXXX-XX/XX/XXXX ( current date ) {$200000.00} is my current balance. Mind boggling!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: FL
Product: Other financial service
Sub-product: Refund anticipation check
Issue: Unexpected/Other fees

Complaint:
I order an item on XXXX, attempted to pay it with a card through my XXXX account XXXX for {$10.00}. When it went through XXXX I would deposit {$15.00} and then I cancelled the item on, ordered on around XXXX the XXXX. I had an over draft fee on my account which was taken away due to my carelessness. I have asked several times for the over draft to be placed back, I was told no. I got a letter from Iberia last week on the XX/XX/XXXX. I cancelled the item with XXXX and when I checked I owe Iberia {$90.00}. I called and asked to speak to a customer service and was told that it could not be taken off. I called XXXX who really was not sure what to do, I spoke to another customer relations and was told the same thing. I like this bank I am just overwhelmed with this charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient took over servicing my student loans and did not notify me at all in reference to my account being transferred to their office. As a result I was hit with late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX. The reason why there is a break in the payments having been late is because I had enrolled in college which automatically placed my outstanding loans in deferment. When I finally realized that Navient had taken possession of my student loans I called and placed them in deferment/forbearance and have been in good standing since and Navient refuses to remove this negative reporting that only occurred due to their failure to notify me of them now servicing my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: EQUIFAX, INC.
State: PA
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:
Equifax has an open account.    XXXX   XXXX  opened  XXXX  This account was completed and Settled-  XXXX  with  XXXX   XXXX   Please help .I thou ght once settled with  XXXX  credit report they would have Removed from all. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Creekside Recovery And Capital Management
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I received a call from someone who said I needed to call another number so she could stop from sending legal papers to sue me. I called that number and the person was so abusive, he had me in tears and said I could pay at a discount but had to pay that day or legal steps would be filed. This bill was supposedly for a XXXX home security system that was at my daughters house and I had unsuccessfully tried to settle two years ago. This call happened on XX/XX/2015. The number I was told to call was XXXX. I feel so stupid and this whole situation has been tough on me. I should have known better. I paid with my credit card because I was so intimidated. Now I feel devastated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: ECMC GROUP, INC.
State: GA
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
ECMC is reporting inconsistent and inaccurate information to XXXX, XXXX, and of the XXXX. In reference to XXXX accounts with the same account # XXXX, they are reporting it as a " closed account '' to XXXX, an " open collections account to XXXX, and a " closed collection '' account to XXXX. These inaccurate reports to the major credit bureaus are damaging my credit worthiness and my credit score and should be DELETED under Secction 611 ( 5 ) ( A ) of the Fair Credit Reporting Act.

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 2016-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America Appeals Department GRANTED Making Homes Affordable ( MHA ) Home Affordable Modification Program ( HAMP ) and directed the Bank of America Underwriting Department to forward borrower to MHA HAMP Trial Payment Plan ( TPP ) on XXXX XXXX, XXXX on a escalated case requested by me, but never ordered me, the borrower, a MHA HAMP TPP on or after a MHA HAMP was approved based on my XXXX XXXX Request for mortgage Assistance ( RMA ) complete package was received and an initial evaluation was conducted in XXXX XXXX resulting in a MHA HAMP denial on XXXX XXXX, XXXX that was timely appealed in XXXX XXXX for which a written determination was never issued by the Bank of America Appeals Department to the borrower. However, the Bank of America Underwriting Department issued several written correspondence to me, the borrower, stating MHA HAMP was denied on appeal after the Bank of America Appeals Department granted MHA HAMP. Bank of America and their representatives have made knowingly false statements by representing to me material facts related to my home loan mortgage account during the modification and loss mitigation processes and are guilty of the following in violation of RESPA enforced by Regulation X, MHA HAMP Guidelines, California Civil Code 2920 through 2944.10, California Code of Civil Procedure 2015.5, and their duty owed to me as a disstressed borrower who was proactive at a time when it was clear I would not be able to continue to pay the then monthly installment amount per the XXXX Deed of Trust : Poor and Deceptive Practices ; Modification Fraud ; Mortgage Fraud ; Foreclosure Fraud ; Intentional Infliction of Emotional Disstress, and ; Negligent Emotional Disstress. 
Also, as a matter of law, regulations, and guidelines I am still considered pending in the modification and loss mitigation processes and no negative credit reporting is to occur. Specifically, the bank, the servicer, and their representatives are not to assess late fees or report a late or missed payment while workout assistance is pending and are to make any required fee adjustments and credit reporting corrections upon completion of the modification and loss mitigation processes. This has not been the case in this instance and not because Bank of America believe that I am currently pending in the modification and loss mitigation processes.

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 2021-12-27
Company: Experian Information Solutions Inc.
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:
My mortgage company is trying to access my credit. Experian, denied any information to then, but is adding on my credit report as inquiries. Nobody can see my score, but still taking points as inquiries. Try everything, called, email on messages on site, because they do not list a email to send This is going for months. Please 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 explanation
Consumer complaint received 2021-12-27
Company: Affirm Holdings, Inc
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I made a Loan with Affirm through XXXX for the purchase of a XXXX XXXX. XXXX did a manufacturer Recall of the item & gave us the option for a 100 % refund upon returning the XXXX. The XXXX was returned XX/XX/2021. XXXX gave Affirm the approval to release/refund our loan as they have credited Affirm for our return. I have since been told by Affirm since XX/XX/XXXX that our refund check in the amount of XXXX was mailed to us. We have confirmed the correct address. I have made numerous attempts to find out where the refund check is since we have still not received. My attorney has sent them a demand letter, we have received no response. We are owed XXXX for two months now. At first, we got several responses telling us to wait 16 days. 16 days has come & gone several times. Now they do not respond to our inquiries at all. It is impossible to reach a representative that can tell me anything about my loan/refund check. All calls have to be escalated through an email, there is no phone communication with the resolutions dept. It is very frustrating as I was depending on this refund & it is my rightfully owed money as the product is no longer in my possession.

Company response to consumer: Closed with explanation