BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Due to personal circumstances, I missed XXXX payment on my credit card in XXXX of XXXX, resulting in a late fee, which then resulted in an over-the-limit fee. Thereafter I continued making minimum payments for an additional 6 months. However, these payments did n't affect the balance on the card due to being continually charged an over-the-limit fee. I tried speaking to the credit card company, but not only did the person I spoke to have very broken english, they also refused my requests to cancel or freeze the account to stop the continued rising of the bill, regardless of payments being made. 
The only way to stop this from happening to the best of my knowledge at the time, was to stop making payments. Which I stopped making in XXXX of XXXX. I was then put into default. 

I originally signed up with XXXX as the credit card provider in late XXXX, then the creditor was sold to Capitol One, and terms drastically changed and so did customer service. My card was reported stolen in XXXX of XXXX, so XXXX different accounts are represented via my credit report, however they are the same account. I also had 70 months of continuous on time payments with this credit card, with XXXX 30 day late, then another XXXX payments after. 

With the company changing hands, I believe the fair service went with it. Due to this I was at a loss as to how to handle this situation with this company, and only today becoming aware about the ability to file this claim. 

I 'm also initiating this because of a judgment issued to me in what I believe is XXXX XXXX, shown via an online credit reporting website. I was never notified of this action or pending court date. I only became aware of this situation after I was given a letter by a seasonal employer, XXXX, which stated they would start to garnish my wages. I am no longer employed with this company, as this was seasonal work, and no garnishments were made. I then went to both credit reporting websites ; XXXX XXXX, and XXXX, in an attempt to find out what is happening. Both sites show that there was a default judgment in the amount of {$1600.00}. My credit limit was {$1300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card
Issue: Delinquent account

Complaint:
Trade line was removed from my credit reporting file. Item was re-inserted on XXXX XXXX, 2015. Item was disputed as previously removed. Item was updated, instead of being removed on XXXX XXXX, 2015. Also, with account no longer being on credit report, there was an unauthorized inquiry conducted by company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a complaint in regards to inaccurate information being reported in my credit file...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Avant Holding Company, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/2022, I opened a credit card account with AVANT XXXX. Since opening the account and paying an annual fee of {$39.00} I have yet to receive my credit card. I have spoken to them numerous times on the phone and given the same response that I will receive a new credit card within 10-15 days. 
I called then on XX/XX/2022 @ XXXX, XX/XX/2022 @ XXXX XX/XX/2022 @ XXXX, XX/XX/2022 @ XXXX. What can be done about this? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On XX/XX/XXXX all payments and interest should have been stopped on all federal student loans by order of the federal government. AES, my loan servicer has continued to seek payments, collect interest, and capitalize on that interest. They also say I'm 2 months past due and owe them {$150.00} on XX/XX/XXXX. They have also been harassing me with numerous phone calls resulting in me having to send all calls to voicemail. All of this should have been stopped, period.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: New Century Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a notice of application for wage execution from this law firm through the courts but the notice did not say who the original debtor was, how much was owed, did n't even mention an account number so I could verify. They only mentioned that they would take 10 % of my income but did n't say for how long or what the total amount is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Advertising and marketing

Complaint:
10+ years ago I submitted a request to permanently opt out of receiving credit card offers by US Postal Service . Since then I have not received credit card offers by mail. Two days ago I received a credit card offer from Capital One. I have never done business with Capital One, nor do I plan on ever doing business with them. Their direct mailing to me of a promotional credit card offer is in violation of my registration to the Opt Out list.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hello, First, thank you to whoever is reading this for the work that you do- love the CFPB. 

My issue is with my apparently former student loan servicer, FedLoan Servicing. I am one of the many Americans who is eligible to have some of their student loans discharged under the recently announced Student Loan Forgiveness. I made regularly monthly payments during the COVID pandemic despite the payment pause because I was able to do so and worried about my long term debt burden. Now, I am seeking both forgiveness of my remaining balance and to recoup some of the payments I made during the pandemic. 

When I reached out to FedLoan Servicing today, who I understood to still be servicing my loans- I regularly log into my FedLoan Servicing account, they informed me that they transferred my loans to XXXX. This is the first I've heard of it - I was not informed in advance that my loans were being transferred to another servicer, and I've never been individually informed via email or direct mail that my loans had changed hands. If I had been notified, I would've taken to opportunity to download detailed billing information in advance. These loan servicers are shady - I can't help but think that the lack of notice/forewarning is intentional and designed to complicate mine ( and I assume others ) ability to access loan forgiveness. There need to be stronger regulations in place about this in terms of notice periods- there should never be a gap in my ability to be fully aware of my current loan obligations and the history of my payments because that gap only benefits the servicer and is disadvantageous to me as a consumer. Any assistance you can lend in ensuring both that I am able to access my loan history and set up a new account with XXXX, and to ensure that other consumers are able to do the same by advocating for stricter regulations on the transferrence of student loans between servicers would be much appreciated. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed an entry several times in my report. Now the entry shows as " account in good standing '' but the details are still wrong. The account still shows many months of " charge off '' in the payment history, the balance says N/A when the balance is XXXX, and the account history shows the remarks " Charge Off as of XXXX XXXX to XXXX XXXX, XXXX XXXX to XXXX XXXX XXXX XXXX Bankruptcy Dismissed on XXXX XXXX, XXXX. '' None of this is correct. This debt was paid off, there was no dismissed bankruptcy on XXXX XXXX, XXXX and this debt is not a charge off. I can not get a straight answer from Experian.

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 2022-10-17
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Over the past several months I have made complaints to Experian and XXXX XXXX XXXX that I am not getting a credit report regarding my mortgage that I have had since XXXX. My credit history is showing up on XXXX and XXXX but not on Experian. Each entity is blaming the other one. 

Experian says that they are not getting data from XXXX. XXXX has responded to CFPB that they are providing the data and they provided proof. The letter is from XXXX XXXX and proof that they are reporting. 

I called to speak with XXXX on XX/XX/XXXX. He referred to his supervisor, XXXX XXXX who has escalated my complaint to get to a resolution. I called Experian and got a report and XXXX is NOT on it. I sent it to XXXX who has acknowledged that their trade line is not listed. He has promised to find out what is wrong. 

TODAY, XX/XX/XXXX, I learned from lead supervisor XXXX XXXX that he spoke with Experian XXXX XXXX XXXX, in the Data Reporting Team Dispute # XXXX. XXXX, according to XXXX, sent him an email saying that Experian had purged my account from Experian 's database which is a direct contradiction to Experian 's response dated XX/XX/XXXX. This does not make sense. I did not ask to have my file purged and XXXX said they did not ask to have their trade line purged from my account. 

I want a credit report from XXXX XXXX  on my Experian File. I want them both to resolve the problem rather than going back and forth blaming each other. I am getting terrible and dishonest service. There needs to be a resolution. I WANT A CREDIT REPORT. I should not have to get an attorney or file a discrimination complaint with the Ohio Attorney General 's Office.

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 2021-01-04
Company: EQUIFAX, INC.
State: PA
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure investigation these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Navient Solutions, LLC.
State: NY
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:
I am convinced that Navient has been billing me incorrectly ever since they took over my student loans last XXXX. I have been paying my bills on time and this month I receive notice that my payments are past due to the tune of almost {$400.00}, leaving me with a balance of almost {$650.00} for the month of XXXX ( my monthly payments are always approximately {$210.00} ). When I called to find out what happened, they claim there is a glitch in the system and redirect me to another department. After a 30 minute wait, I was connected to a representative that was making excuses that made no sense, claiming they made a mistake and forgot to bill me for XXXX even though the website clearly stated that the past due was from XXXX. Moreover, they have XXXX past due amounts that were different with the same date XXXX XXXX, 2016?!?!? No matter how I tried to explain how this made no sense, he kept making the same excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I filed an Income-Driven Repayment Plans on studentaid.gov for Nelnet and linked my IRS tax information per requested. I also printed a PDF files application along with IRS transcript tax information on Nelnet 's webpage. Nelnet emailed asking for proof of incomes and I have provided W2 and IRS transcript on their website and emailed. Nelnet send a physical letter saying they need the most income information such as paystub and W2 or transcript is not a proof of income. Now my account is on hold and I'm force to make the payment that is not under Income-Driven Repayment Plans. 

Nelnet is very misleading in their languages and requirements for additional proof of incomes. Other lenders such as XXXX and XXXX accept tax transcripts, W2 as proof of income. According to the studentaid.gov website, these documents from Internal Revenue Services itself and W2 is a proof of incomes. 

Nelnet is misleading their lenders and making the process for Income-Driven Repayment Plan confusing and complicated in what consider proof of incomes. This should be a standard practice like any other lenders as well as federal governments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: EQUIFAX, INC.
State: OK
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:
Equifax is reporting fraudulant accounts on my personal credit file/bureau. 
I have been in contact and provided police reports and notarized FTC AFFIDAVIT, Accounts are the result of identity theft,.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: IL
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 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: Ascension Point Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Ascension Point Collection is attempting to collect a decedent debt they say they have obtained from XXXX XXXX associated with XXXX credit. My father passed away XXXX XXXX, 2016. They are stating that {$300.00} is owed on a credit card associated with XXXX and this bank. XXXX and XXXX XXXX have been contacted and there is no money owed. They released all financial obligation upon his death. Further, they have never heard of this company and only associate with XXXX. No paperwork has been given via the bank to ANY collection agency nor will there be. Despite several calls, the company is saying payment is owed. This is a scam. No one from the bank has even heard of this company. They are insisting on payment and have sent paperwork and made numerous calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian will not investigate inaccurate personal information or inaccurate accounts on my file nor provide me proof per FCRA of how they are verifying inaccurate information on my credit file. Simply telling me its verified is not sufficient per FCRA laws.

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 2022-10-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
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:
Over the past several months I have made complaints to XXXX and Carrington Mortgage Company that I am not getting a credit report regarding my mortgage that I have had since XXXX. My credit history is showing up on XXXX and XXXX but not on XXXX. Each entity is blaming the other one. 

XXXX says that they are not getting data from Carrington. Carrington has responded to CFPB that they are providing the data and they provided proof. The letter is from XXXX XXXX and proof that they are reporting. 


I called to speak with XXXX on XX/XX/XXXX. He referred to his supervisor, XXXX XXXX who has escalated my complaint to get to a resolution. I called XXXX and got a report and Carrington is NOT on it. I sent it to XXXX who has acknowledged that their trade line is not listed. He has promised to find out what is wrong. 

TODAY, XX/XX/XXXX, I learned for lead supervisor XXXX XXXX that he spoke with XXXX XXXX XXXX XXXX, in the Data Reporting Team Dispute # XXXX. XXXX according to XXXX, she sent him an email saying that XXXX had purged my account from XXXX 's data base which is a direct contradiction to XXXX 's response dated XX/XX/XXXX. This does not make sense. I did not ask to have my file and purged and Carrington said they did not asked to haver their trade line purged from my account. 

I want a credit report from Carrington Mortgage on my XXXX XXXX. I want them both to resolve the problem rather than going back and forth blaming each other. I am getting terrible and dishonest service. There needs to be a resolution. I WANT A CREDIT REPORT. I should not have to get an attorney or file a discrimination complaint with the Ohio Attorney General 's Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opened an account with Capitol One 360 in XXXX. The account was opened with a {$25.00} deposit with a {$25.00} dollars overdraft limit. On XXXX XXXX, XXXX my husband and I purchased a time share. I provided the resort with my debit card number with the intent to transfer {$100.00} into this checking account by XXXX XXXX, XXXX, first payment due date. However, my husband and I cancelled the timeshare due to fraud and misrepresentation. I was advised by my attorney to cancel my debit card to avoid any further charges, so I cancelled the card. With a {$2.00} balance in my checking account, The time share company debit my card for {$100.00} causing my account to be {$98.00} overdrawn on XXXX XXXX, XXXX. I disputed with the charge Capitol 360 under the grounds of fraud and misrepresentation by the timeshare company. I lost the dispute. I asked the bank representative why did they allow a {$100.00} charge to go through when I had only {$25.00} overdraft protection. They told me they still allow certain charges to go through such as gas etc. I attempted to buy gas with this debit card over a year ago and the transaction declined. I have attempted to further dispute this with supervisors and gotten no where. I received an email from the escalation department stating that I can no longer dispute this item. I feel that I should not be responsible for paying this charge when there was an overdraft limit of {$25.00}. I attempted to close the account, but I was told that I could n't until I paid the pending overdraft charges. This account is constantly accurring interest.

Company response to consumer: Closed with explanation