BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-07
Company: EQUIFAX, INC.
State: GA
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:
I have sent  XXXX  written request to Equifax requesting the removal of the listed unverified items. They have failed to send me copies of the documents that they used to verify the disputed accounts. They have failed to delete the disputed accounts that they did not verify.  Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. I am requesting deletion of all disputed accounts which they did not verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I made a payment to XXXX of my store cards while speaking with a representative. She confirmed the payment and said that it successfully posted only to learn a month later, she 'd transposed a number. The payment never posted and I never got any notification. Her error resulted in them closing my account. The company acknowledged the mistake, promised to research and fix the problem but never did. Months after, I made a autodraft payment arrangement to clear the debt. Only XXXX payment posted and now the debt has been sold to a collection agency with additional fees on the debt.

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 2017-05-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Previous complaint  XXXX  regardi ng USAA. I had been a customer of USAA for many  years. In  XXXX  I went through a divorce and was financially devastated. I had an auto loan and a credit card with  USAA  that I could no longer afford to pay. They auctioned my car and I was responsible for the remaining balance. After a long period of time, accounts went to an outside collection agency. I dont have the name of the agency but I worked with them to settle both debts. It was VERY CLEAR these were settlements, not payment plans as I knew they were done when all my payments were made. I believe it was  XXXX  when my payments began. My name at the time these debts were incurred was  XXXX   XXXX . The only other information I have is  XXXX   USAA  account number ends in  XXXX  and the other USAA account number ends in  XXXX . I paid both debts faithfully, auto deducting from my checking account bi-weekly. I have evidence from my bank that every payment was made and the last payments made were  XXXX   XXXX . In  XXXX   XXXX , I got a call from a collection agency regarding this SAME DEBT. I advised these had been settled and paid as agreed. They said they had not and they would continue to collect. I do n't have any of the settlement paperwork since I have moved my home and thought it was over. Now, both of these balances are accruing interest every month and reporting >  XXXX  days past due every month. I paid these accounts per our agreement and I need the credit bureaus to be reported as such and STOP TRYING TO COLLECT ON DEBT I ALREADY PAID!!! This is illegal!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NY
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 am filing a complaint against Navient, because I have a private loan with them, and my aunt is the cosignor. I was advised by Navient that as long as I have 6 months of perfect payments, they will remove my aunt from my loan. However, once I reached that 6 months of perfect payments, they advised that I actually have to have 12 months of perfect payments before they would consider removing my aunt from the loan. My aunt 's credit has been negatively impacted by this, and she is struggling to cosign for her own daughter who is going to be attending college next year. 
Aside from that issue, the interest rate attached to this private loan is very high, 13.5 % -15 %, and I have struggled to afford the monthly payments, going as far as paying late on other bills, and my debt to income ratio has had a drastic impact on my credit score. 
I work full-time for a social security law-firm, and am XXXX a single mother XX/XX/XXXX. When I reported my XXXX to Navient, in hopes that this would offer some sort of relief for me, they advised that it would not. Their customer services is horrendous, I get told different things about my loan every time I call in, and it has been an extremely emotionally and financially draining mess of a situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
XX/XX/2016 I was researching for a good option to payoff a high interest mortgage I have on a property. I came across a good opportunity from Bank of America and started the application process for a line of credit. They asked for a good estimate of the value of my property and request my realtor to prepare a value analysis, he told me I can market it at least at $ XXXX. I requested a $ XXXX line of credit based on this number. After a month of sending tons of papers and information they came back telling me my property was appraised at {$560.00} based of some data. At that time I requested a full appraisal of my property because I did a lot of improvements to it with add value. To my surprise, the bank assigned the same company and the same XXXX who did my appraisal 2 years ago and came really low did this appraisal again. XX/XX/XXXX the bank called telling me the property was appraised at $ XXXX, totally disappointed, he did not even considered the money I spent in the remodelation and extra futures. When I requested copy of the appraisal I found out that it had a lot of discrepancies, and it needed to be reconsider and I also sent more comparables since the appraiser said he was not able to find recent comps for my property and he used some that had more than a year ago! Today I received a call that my petition came at the same price! They not only waste my time, my money, my patience but also are damaging my credit! They even endorse my policy with a loan that it seems they did n't want or have interest in giving ... totally disappointing. I hope no other clients get damaged the way I was.

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 2015-10-28
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Issue: Other

Complaint:
ON XXXX/XXXX/2014 BARCLAYCARD MADE HARD INQUIRES ON MY CREDIT REPORT THAT I DIDNT CONSENT AND I HAVE WROTE THEM TO GET IT REMOVED BUT THEY HAVE FAILED TO DO SO

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-07
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Refi nanced mortgage to get lower rate and payment with Wells Fargo the original loan holder of the previous mortgage. Lots of people were in on the underwriting and It seemed they were going through staff changes during my closing process. My payments were to be   XXXX  less per month.  Now many months later my taxes are due and I received a bill from my county. When I call WF tells me they are paying it not to worry. It is part of my escrow that was carried forward. Yesterday I got a bill from Wells fargo saying they paid some   Title company    XXXX   and  my county. Well if they did I would n't have a bill! They say I will be receiving a refund which I have not as yet from one of these and  if I do n't send it to them they will raise my payment  XXXX  dollars a month due to my escrow. Why did I refinance in the first place? This is incompetence of the highest!

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 2021-12-23
Company: EQUIFAX, INC.
State: ID
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:
Contact the XXXX XXXX XXXX, XXXX Equifax and XXXX to validate the debt, I have not received any supporting claims that the debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: CBK, Inc.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Person called about debt, asked about payment plan said they needed my employer first and a down payment. 
Threatened to take me to court in voicemail but when I called I was told it was already at the sheriffs office and been filed and nothing I could do but wait for a court date. This was the second voicemail. The letter was dated XX/XX/XXXX I called debt collector on XX/XX/XXXX and debt collector told me it was filed on XX/XX/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 2017-05-07
Company: EQUIFAX, INC.
State: IL
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:
I have previously disputed negative/adverse items on my credit report and requested validation in form of the original signed documents or contracts. On  XXXX   XXXX ,   XXXX   I sent a certified letter to Equifax regarding unverified negative items being reported on my credit report. I specified that I was requesting Equifax to comply with the federal law and send me the original signed documentation/contracts showing my signature on these negative items that they are verifying on my report. After Equifax 's " investigation '' the negative items came back as being verified with no documentation with my signature that is required by the FCRA. I have spoken with numerous reps at Equifax regarding these negative items and have yet to get this resolved. Equifax has told me that their " verification '' consists of sending an electronic message to the courthouse or company through  XXXX . Once the court or company " verifies '' it, the information is sent back to the credit bureaus. I contacted the court and they advised me they DO NOT disclose, release, or verify any information with the credit bureaus or an y 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised me that the infor mation is verified by a runner that goes to the courthouse to " verify. '' I asked what information does the runner give to the courthouse and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that so I spoke wi th a manager that stated that since this was a reinvestigation, no runner was involved. The manager advised me that Equifax uses a " form '' that they send to the courthouse. I asked what type of " form '' and  where is it sent because the courts confirmed with me that they DO NOT verify with the credit bureaus. Equifax refuses to give me physical documentation ( whether tangible or electronic ) that they use to verify these items on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/2021, I disputed with Wakefield and Associates to remove me from their collection process. They deleted the negative accounts from XXXX but have not removed them from XXXX and XXXX. I asked for them to remove me from ALL CREDIT BUREAUS XXXX, XXXX and XXXX. As allowed under the Fair Debt Collection Practices Act ( FDCPA ). This could be a violation of Federal and State Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Navient Solutions, LLC.
State: CT
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 paid for a loan with a college to be forgiven by a loan forgiveness company. In XXXX of XXXX I was informed by someone at Navient that the amount that I owe is for a XXXX college as their system shows. They then corrected it to say that it was for the loan that was supposed to be forgiven and that the forgiveness company was in my file. Also that she would look into the situation. I had also written a few letters to Navient stating that my loan had been forgiven, and got basic responses that did n't pertain to that fact. 

There was silence for a while, then the emails started back up asking for a payment. " Person B '' at Navient informed me that I would qualify for an economic hardship deferment, and promised that I would get it the hardship for quite a few months. She stated that the forgiveness company was a scam and not in my file. 

Meeting with issues on filling out the documentations, I called Navient and spoke to " Person C ''. I asked to record the talk due to the fact that I had been told so many lies by Navient and the fact that I needed to get to work and wanted to remember what was said. She ran me around in a circle for 45 minutes before giving me a number to call, which was wrong anyways. 

I called yet again due to harassing phone calls and emails and spoke to " Person D '' just to inform them that I was sending in the documentation soon that was needed and that I apologize for sending it late. That I had been having issues and that " Person C '' gave me wrong information. He informed me that my account was red flagged and only the higher ups at Navient could contact me. He also informed me that the hardship would be for 36 months. He also informed me that the forgiveness company was in my file and that it was reputable company but might take a while to be forgiven. 

After sending in the documentations, the calls stopped perhaps due to the fact that I sent a letter of cease contact, though I got XXXX back stating they were federal and did not need to follow The Fair Debt Collection Practices Act. 

I then got a phone call from " Person E '' in XXXX who called numerous times in XXXX morning using a Private phone number informing me that the hardship only lasted a month and that I did n't qualify for it. The woman was rude and did not care for what I had to say about all of the deceit that I had already gotten. 

I was also Harassed with phone calls almost every day from XXXX/XXXX/XXXX to XXXX XXXX. That then picked back up in the beginning of XXXX of XXXX. This did not help my XXXX or my XXXX. 

And all of this after I had paid {$400.00} for the loan to be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: Securus J Holdings, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
I have been sending letters to inmates for about 10 years, I also send some  XXXX   XXXX  Orders. I recently sent a money order to a inmate and was informed that she was not allowed to cash it. Supposedly all funds must go through a company called JPay, this company apparently has the authority to punish offenders and their families by charging very high fees for many things that used to be free, like sending money orders to inmates, it still is at some institutions. In this case I have no idea where my money order is. I have sent several emails to JPay requesting information about the money order, they just do n't reply, I have also emailed the Department of Corrections of that state with no results. To me this is the same as stealing, JPay, Department  of Corrections,  the prison itself has no hold on the money. So how do I find out where my money is and get it returned?    XXXX   XXXX

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 2017-05-07
Company: HW Holding, Inc
State: NV
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:
A collection account from  Hunter Warfield  showed up on my credit report about two weeks ago. This account is not mine. I have contacted the company and asked them for help removing it and for relevant information about the account. It is from an apartment I have never lived at or been associated with. The address of the apartment does not even show up on my credit file. They said they have been reporting since  XXXX , but it only showed up on my credit file in  XXXX  of  XXXX !! I have perfect credit and this account is ruining my credit. I have NEVER been sent any type of letter or bill from this company in the 2 years that they have had this account, and again I did n't even know this account excited till two weeks ago. I have called the company and they are unwilling to help or work with me. They want me to provide information that is so old and almost impossible to get, they also said that any information provided they would call and verify it as correct, which is invading my privacy. The information showing up on my credit file is as follows.      Hunter Warfield   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX   XXXX  Date Reported :  XXXX  Date Assigned :  XXXX  Creditor Classification : Rental Leasing Original Creditor :   XXXX   XXXX   XXXX   XXXX   Account Number :  XXXX  Account Owner : Individule Account Original Amount Owed : {$4500.00} Date of  XXXX  Delequency :  XXXX  Balance Date :  XXXX  Balance Owed : {$5200.00} Status Date :  XXXX  Status : D-Unpaid This is not my account and I want it removed from my credit file! Please help me stop this company from illegally doing whatever they want and reporting incorrect information to the credit reporting agencies!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America represented to me a Trustee Sale at auction will be held on Friday, XXXX XXXX, XXXX at XXXX. This is untrue as no public auction will actually take place as represented. Bank of America has already sold any debt associated with my home and account in XXXX XXXX after having removed the cease and desist collection coding from the account on XXXX XXXX, XXXX. 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory, including all statutory, exemplary, and punitive damages plus an addtional ten percent and an immediate reimbursement of all amounts applied and assessed to this mortgage account at a compounded daily interest rate of ten percent via cashier 's check not drawn on Bank of America or any of their affiates, or on a bank that does not conduct business within the state of California. Not only must Bank of America pay me back, to include mesne profits, Bank of America must also repay the tax payers all amounts associated with this account. This includes, but is not limited to, TARP, MHA, HHF funds since XXXX. 

Damages are calculated as followsXXXX : STATUTORY : {$50000.00} for every household member, mesne profits, plus Median Property Value ( MPV ) and all amounts ever assessed on or associated with the real property and home loan mortgage account, personal property of at least {$300000.00} or actual value, whichever is greater, and all litigation costs. Household pets and livestock are an additional {$50000.00} each, plus ; EXEMPLARY : Payment of all property taxes and insurances for a minimum of fifty ( 50 ) years and three ( 3 ) times statutory damages, plus ; PUNITIVE : The statutory and exemplary damages for each instance of every cause of action listed, plus an additional 10 % of the total monetary damages ( statutory, exemplary, and punitive ). 

*Death claims are an additional trebling of calculated total damages for each instance. 

**Seniors and XXXX persons are entitled to any additional damages allowed by law for each eligible household member. 

***Next of kin may bring a private right of action provided there is first hand knowledge and next of kin status can be proven. First hand knowledge is assumed if next of kin was a member of the household. 

I did not default on Bank of America. 

Bank of America defaulted on me! 

Bank of America must stop themselves from defaulting on consumers of mortgage related products and services.

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