BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-27
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The City of XXXX collection on my credit report being collected on by Penn Credit # XXXX needs to be removed from my credit. Penn Credit is attempting to collect on a debt that is not owed and was paid directly to the City of XXXX. Attached you will find a copy of the paid in full plus fees letter from the City of XXXX. Due to this being paid directy to the City of XXXX, this collection on my credit report is no longer valid and is illegal to be on my credit per the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Unable to pay my student loans and Navient recommended forbearance but adds so much interest over the years making my acrutual borrowed amount over the years over XXXX and I did not borrow more than XXXX. When I am able to pay they will not work with me on a payment plan that works for my household income. Just unfair!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My complaint is very simple. My mortgage was discharged under Chapter XXXX bankruptcy in XXXX 2011. Bank of America and its subsidiaries continue to pursue collection activity even though I have sent certified mail telling it to " Cease and Desist '' all activity. Most recently I got notice that my alleged debt was transferred to XXXX. This company is a complete fraudulent racket. They provided new mysterious escrow for tax purposes. Under Federal law protection I want all communication to stop immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Experian Information Solutions Inc.
State: CA
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:
I have been approved for the forbearance under care act due to the impacted of covid 19 financial hardship, the approval is for the length from XX/XX/XXXX to XX/XX/XXXX, and I made payment for the month of XXXX and XX/XX/XXXX, However I have reviewed my credit report and noticed that XXXX has reported to credit bureau that I was late for more than 90 days for the months that I was approved for the forbearance and 30 days late for the month of XXXX and XXXX, I have filed a dispute However XXXX has not made any correction, this error has cost my credit score decrease so many points, please help since I can not contact 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 2021-08-27
Company: EQUIFAX, INC.
State: FL
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 in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: FL
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 have repeatedly requested via phone calls and this forum for a complete breakdown and explanation of any and all payments received, fees charged, etc. on my loan.     i have received some paperwork but it does not include breakdowns nor explanations.     i 100 % disagree with the balance.

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 2021-08-27
Company: CITIBANK, N.A.
State: CA
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:
My wife and I went to play XXXX on XXXX. We went to the counter, and purchased 2 packages to play. We were told that we had to do this as 2 transactions as each player needed their own receipt. We were ( appropriately ) charged for the cards and the XXXX. Several days later, we see on our credit card statement that we were also charged a {$20.00}, or {$10.00} per transaction ( greater than 30 % of our purchase ) as a " cash advance fee '' even though we never received any cash. There was no discussion/notification/prompt provided that this was a cash advance or anything different than a charge in exchange for goods. We contacted the credit card company ( Citi Bank ) who said they can not do anything because the vendor specified the transaction as a cash advance despite the fact cash was never rendered. This practice seems deceptive and leaves a customer vulnerable if the merchant is able to misclassify a transaction as a cash advance without disclosing that to the customer in advance.

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 2016-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Federal law, The Truth in Lending Act, requires a written notification to the borrower if the ownership of your mortgage is sold, assigned or otherwise transferred. This notice is in addition to any notices you may receive about the transfer of the servicing rights for your loan. 
On XX/XX/2016 Countrywide Bank, XXXX. assigned and transferred to Bank of America , N.A . all its right, title, and interest in and to a certain Deed of Trust for borrower XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX for a property located at XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ( Recorded in XXXX XXXX XXXX, NC on XX/XX/2016 at XXXX ). 
Why was no notification sent to me, the borrower, that this transfer had taken place?

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 2017-01-20
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I 've been XXXX for 4 years and am unable to work due to a XXXX condition. And they 've repeatedly forced forbearance at me rather than put me on an income repayment plan or release my debt due to XXXX and I am not currently, nor have I ever been on XXXX or XXXX so I have XXXX income. They have offered me no options. Forbearance or pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: The Outsource Group, Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My balance was paid in full On XX/XX/2021. My confirmation number is XXXX. I paid a total of {$1200.00} which was a 20 % discount for paying in full. I have contacted Medicredit with no help. I have also disputed this with you guys with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: The CBE Group, Inc.
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:
They have been calling numerous times during the day, everyday.They called at XXXX XXXX. and my fiance spoke to them and stated they were trying to contact a relative and would not state what the call was for, how they received my number, and requested the relative 's informatio

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: AES/PHEAA
State: MD
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:
I was advised to consolidate my federal Parent Plus loan taken out for my daughter 's education with my regular federal student loans taken out for my own education. Now I am not eligible for lower payments using the REPAYE program because the XXXX Parent Plus loan consolidated makes all the loans ineligible. The Parent Plus loan is less than XXXX % of the total owed. Now I am told there is no way to extricate the Parent Plus loan and my monthly student loan payment is over {$1000.00}. I feel that I was not given adequate information by all parties involved ( Federal government and lender ) about the ramifications of including the Parent Plus loan in my consolidation. I also feel the REPAYE loan eligibility requirement that states any amount of Parent Plus loan in a consolidation of other loans that would be eligible is draconian and discriminatory if no option to remove the loan from the consolidation is offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Mr. Cooper Group 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: Account status incorrect

Complaint:
Nationstar DBA Mr. Cooper auto deducted my XX/XX/XXXX mortgage payment for XXXX on XX/XX/XXXX from my checking account 5 times in error. Then they reversed 4 of the payments. XX/XX/XXXX I was contacted by Nationstar DBA Mr. Cooper by phone asking if I wanted to proceed with a loan modification. I never requested a loan modification. The representative then told me my loan was delinquent. I had not received any correspondence from Nationstar DBA Mr. Cooper that my loan was delinquent. I have never missed a payment. I have always paid my mortgage by automatic deduction from my checking account. I immediately contacted Nationstar DBA Mr. Cooper and spoke with XXXX XXXX with Executive resolution. I learned that my loan was switched to paperless statements without my consent. I informed her that I never stopped the automatic deductions from my checking account. I provided her with copies of my bank statements for XXXX through XX/XX/XXXX. She opened an inquiry and discovered that Nationstar DBA Mr. Cooper stopped the automatic deductions in error without my consent. It was also discovered that they had not applied the XXXX payment to my account even though they collected it. Mr. Cooper issued a letter XX/XX/XXXX stating that they submitted and update to the credit reporting agencies with instructions to adjust their records and remove the negative credit information. Not only has that NOT been corrected with XXXX, XXXX, XXXX  and XXXX but Nationstar DBA Mr. Cooper has stopped reporting my mortgage payments completely there is no payment information for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This has effected my credit in such a negative way that I am unable to obtain a mortgage on a new house. My husband and I had an excellent credit score prior to this outrageous error by Nationstar DBA Mr. Cooper. I have personally contacted all 4 Credit Reporting Agencies and learned that Nationstar has done nothing to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Originally consolidated student loans in XXXX timeframe of 2016. All loans were transferred to fedloan servicing as requested. Received documentation that all was fine and all $ XXXX balance was consolidated and placed on an income driven repayment per request. In XXXX for some reason a portion of the loans were returned and sent to collections ; the total is roughly XXXX. We contacted fedloans and due to the original application being over 6 months old we had to resubmit a consolidation app for the loans to be reprocessed out of default. A few concerns : 1. Loans were originally consolidated and should n't have been reversed 2. Should n't be in default as the original consolidation rectified that 3. XXXX is n't reflecting currently in default but am receiving collections attempts from XXXX Ultimately want to have the original consolidation back in place to include all the federal loans. There was no reason for the loans to be removed an placed in default after the original consolidation. There seems to be a breakdown in communication between debt management solutions, XXXX and fedloans servicing. We have attempted to resolve this matter to no avail. They are now stating/attempting to garnish wages and there should n't be due to the original consolidation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11
Company: AES/PHEAA
State: NY
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:
Got a requirement to recertify for my Income Driven Repayment XX/XX/2015. Payments have been lost, payment schedule has changed a half a dozen times finally being put on a repayment profile that is far from the least expensive because half of my loans do not qualify for the new repayment strategy that they charged me fees to get on because they said that the lower repayment rate would pay back the rates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-27
Company: STATE EMPLOYEES CREDIT UNION
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I got a salary advance loan from The state employees credit union in XXXX North Carolina in XXXX being that I paid my old balance off from XXXX so they say. They are still reporting that I owe them {$140.00} but in XXXX I receive more than one advance which was paid in full every time they will not give you another loan if you owe them money. When I reached out to someone today at the bank he told me that he would direct me to XXXX the district manager of the bank but he never called me so I spoke to XXXX and emailed him to let him know whats going on he called me back saying that My loans were {$300.00} but that was incorrect my loans were only XXXX $ The bank took {$20.00} of the XXXX witch left me with {$180.00} I dont know where he got the extra XXXX $ from I feel that they are trying to scam me out of more money and I need someone else to look at this before I pay anything because they making my credit look bad on purpose and they know it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: AES/PHEAA
State: FL
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 made a payment to payoff XXXX loan from FED Loan Servicing. The date the loan payment was disbursed XXXX/XXXX/2013. On XXXX when I made the payment the balance was {$810.00}. When I logged in on XXXX XXXX, I have a balance of {$14.00}. The operator gave me some explanation that did not make sense. I want a check refunded to me in the amount of {$14.00} that I made again today.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint:
The marketing companies only said they would take me off, but thought I was interested in offers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27
Company: EOS Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote EOS CCA ON XX/XX/21 asking for validation of a debt. They never sent validation and also put on my credit report that I disputed the debt. I called them they said they received the validation letter on XX/XX/21 and was not required to to send me validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Credit Karma, LLC
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have been trying to get Credit Karma to update my correct address. I have provided them hard proof yet they keep telling me that XXXX is giving them the information. XXXX sent me XXXX hard copies with my proper address. Credit Karma refuses to correct the incorrect information. XXXX has tried to contact them but Credit Karma is not changing the information to match. The issue is my address is XXXX XXXX XXXX not XXXX XXXX XXXX XXXX. This makes it difficult to give my credit to people to check because the information will not match and Credit Karma refuses to put the correct information. I am attaching all my emails from Credit Karma and from XXXX. Please get Credit Karma to do the legal thing and make them change the information to match, so all my credit bureaus information matches. Thank you

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 2021-08-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-08-27
Company: Revco Management, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My son underwent a XXXX and the hospital sent us a bunch of bills to pay. Although the bills were confused and disconected, my insurance dealed with the hospital and covered 100 % of them. 
However, the hospital sent the bills to Revco Solutions ( collector ) that has been sending me often collection letters. I sent them several times the payment proofs. But they don't stop bothering me with collection letters and calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14
Company: Performant Financial Corporation
State: MT
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 paid my student loans on time and in full for over a decade using the payment booklets provided to me my ACS. XXXX years pass and now Performant Recovery collection agency is going after my wages without providing me account verification or other options.

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