BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-08
Company: Experian Information Solutions Inc.
State: SD
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:
After pulling a copy of my credit file I noticed an account being reported that I did not recognize. I notified the  CB, requested that they remove it, and they responded that it has been verified as mine. Questioning this response, I ( per the law ) requested all supporting documentation that was used to verify this account, along with the name and number of the individual from the CB that " verified '' the account and the name, number, and title, of the individual from the creditor that furnished the documents. I have sent multiple requests and have never received a response other than " the account has been verified. '' and directed me to contact the creditor. This is NOT acceptable and a clear violation of 1681 ( a ) ( 4 ). Under Section 611 ( 5 ) ( A ) of the FCRA the CBs are required to p romptly DELETE all information which can not be verified. Ignoring the consumer, avoiding their legal requests, and passing the responsibility onto them is NOT acceptable.

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 2017-01-03
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My name is XXXX XXXX New York,XXXX Email : XXXX Phone : XXXX I had a student loan since XXXX, XXXX sold the loan to another company NAVENT in XXXX. 
Now they rise the amount {$69.00} to {$99.00} Never receive a previous notification. They said I sign 2 years ago the authorization for this rise ( No document received for this, and I never signed this authorization ). 
Now they offer me a new deal, pay some like {$45.00} per 1 year and after paid {$190.00}. 
My salary is only XXXX per hour, I can not afford this increase. 
Why do I need to sign a new deal with new conditions and increase the interest. 
XXXX Account was XXXX NAVENT Account is XXXX. 
What can I do to prevent this increase. 
When I tried to call NAVENT, I needed to wait for more than 20 minutes. 
Please can someone in your organization help me for this abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a phone call from a company called   XXXX   XXXX   XXXX   XXXX  . They knew some of my sensitive info, i.e. Social security number, addresses etc. They threatened that court charges would be filed against me if I do n't pay them within a month. Seemed rather odd so I looked up the phone number and read that it 's been reported as a scam. Just thought I 'd report it l.   Here 's their phone numbers :  XXXX   XXXX  Here 's a link to their website as well :   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 explanation
Consumer complaint received 2017-05-07
Company: National Recoveries, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been paying monthly on my account I got a new credit card and my payments stopped I was told by my bank everything I had coming out directly would continue how my student loan payments stopped. I called in to see what was going on and was told when my card changed I the payments stopped okay I understand that however I fell behind and they told me because I fell behind I would not be able to go back to school. As a collection department they should have called emailed sent some type of letter but they did n't I was informed that I would n't be able to go back to school for another 6 months because they did not do there job and contact me as the manager agreed it was the company fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-12-23
Company: AMERICAN EXPRESS COMPANY
State: MO
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:
Credit was applied for several different times at different banks. Credit was not given by banks but inquires are now on my credit report preventing me from actually acquiring real credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: Empowerment Ventures, LLC
State: TX
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
My card was stolen, they close it out and sent me a replacement card. I was unable to activate the new card and all of a sudden the old card read active again and charges were bring made on my account that I did not make. I have called and called and called just to get hung up on. Im missing over {$500.00} I need my money ASAP please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I told Citi Bank one of the XXXX charges for XXXX XXXX XXXX on my account was a fraud in XXXX 2015. Citi fixed that issue very quickly but than the next XXXX months when I paid my XXXX XXXX XXXX account for XXXX and XXXX, in XXXX Citi unauthorized those transactions thinking that is fraud. When I called them and asked them why would they do that, they said I mentioned that the XXXX charge for XXXX XXXX XXXX I said was fraud because I closed my account with XXXX XXXX XXXX. Which was not true at all. Now XXXX XXXX XXXX charged me for late fees and put a hold on my account for XXXX months since XXXX months transactions were unauthorized the same day. If the first XXXX was unauthorized immediately I would have known and resolved the issue between these XXXX big companies, but neither of them are helping me out. 
I would like Citi to refund me for the late payment charges I paid to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and ask for the hold to be taken off my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-29
Company: Monterey Financial Services LLC
State: GA
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:
When speaking to Monterey Financial Services, they would not send documentation of what this debt is for. I sent a letter to Monterey Financial Services on XXXX XX/XX/XXXX and it was returned with no forwarding address. When I spoke to Monterey again, they would not give me an address to correspond with them. They stated I have to pay this money in order to get any information. They did not care that the company I originally contracted with, XXXX XXXX XXXX, went out of business XX/XX/XXXX ; therefore, there was no service provided for the debt they were trying to collect.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: Empowerment Ventures, LLC
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
ON OR ABOUT XX/XX/2016, I PAID A VENDOR {$1200.00}, I NEVER RECIEVED MY PRODUCT SO I CALLED RUSH CARD TO FILE A DISPUTE THEY TREATED ME LIKE THE VENDOR WHERE THE VICTIM, THEY WAS VERY RUDE EVERYONE THAT I SPOKE WITH HAD BAD ENGLISH I ASKED THEM FOR A COURTESY CREDIT THEY TOLD ME IT 'S GOING TO TAKE 90 DAYS FOR ME TO RECIEVED MY FUNDS BACK I HAVE CALLED THE VENDOR SEVERAL TIMES A DAY HE DONT ANSWER MY CALLS WHAT IS THEY INVESTIGATING PLEASE I CAN NOT TAKE A LOST LIKE THIS SO IM ASKING FOR HELP IN THIS MATTER THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: Platinum Holdings Group, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never heard of nor had any contact with Premium Asset Services,  LLC . Someon e, n one  behalf of this company left court papers at my place of employment with the receptionist ( who is not a permanent employee ) who then informed her supervisor, who then informed my supervisor, who then informed me. This 'company/business ' has filed paperwork with the courts for a judgement of over {$2000.00} and never once notified me of ANY 'debt ' that I supposedly owe to them. I have never heard of a debt collector not informing you of a 'debt ' before filing paperwork with the courts.     Premium Asset Services, LLC  XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX , CA  XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: BOK FINANCIAL CORP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Lender is BOKF NA  DBA  Colorado State Bank and Trust  (    CSBT ).
CSBT is overcharging for PMI and adding costly cancellation-related   fees including home appraisal fees despite a signed PMI contract indicating automatic PMI cancellation on a specific date indicated on the Amortization Schedule.     PMI was to be automatically cancelled on   XXXX   XXXX  2017    per our contract, which states : " If you are current on your loan payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property, based solely on the initial amortization schedule for your loan and irrespective of the outstanding balance of your loan on that date. This date is   XXXX   XXXX  2017    ''.     We are current on our payments, have never missed/been late on a payment, and therefore should no longer be paying PMI as of   XXXX   XXXX  2017   .      CSBT  did not automatically cancel PMI on   XXXX   XXXX  2017    per our contract. When questioned, it was state d by CSBT that  " their policy changed '' and now require the borrower to submit a written request and submit payment of {$150.00} for a Brokers  Price Opin   ion. This is additional to the extra PMI we are currently still being charged, {$230.00}.
CSBT is failing to honor the contract and acting very " matter of fact '' aga  inst honoring the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I got divorced in XX/XX/XXXX i got a mod pd XXXX payments XX/XX/XXXX i had a bad motorcycle accident then they took it back i fault with them for 4 years then they told me my name was not on the morg. they have been reporting on my credit for 5 years and have ruined my credit, to the point that I am unable to get a mortgage. My credit was ok until this started. I have even tried to get a mortgage through them, but they told me they were unable to give me a mortgage due to my credit, that they ruined. Now I must go to court XXXX XXXX for a status conference, and this is the XXXX. They said that they sold my house and I never got any paperwork of the sale or date of sale. I do not want to loose my home. They have done so many illegal things. I have had to hire a company to get my credit straight and get them off of my credit report. I have so much more to say and do not know where to begin. I have not even had my day in court to tell the judge what all has happened while trying to save my house. Can you please help me? the morg. is still in my xwifes name

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: I.Q. DATA INTERNATIONAL, 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:
ON   XXXX     I MOVED OUT OF THE APARTMENTS.   XXXX   XXXX   A COLLECTION COMPANY NAMED  IQ DATA INC/RENT  COLLECT GLOBAL, REPORTED A DEBT IN THE AMOUNT OF  XXXX  ON MY CREDIT REPORT. I NEVER RECEIVED A DEBT VALIDATION NOTICE. I KNOW I HAVE 30 DAYS TO DISPUTE A DEBT BEFORE IT IS REPORTED ON MY CREDIT REPORT. BEING THAT I DID NOT MOVE OUT UNTIL THE   XXXX   XXXX   XXXX   THERE IS NO WAY THAT  IQ DATA  COULD HAVE SERVED ME WITH THE DEBT VALIDATION NOTICE BEFORE   XXXX   XXXX   AND THEN LEGALLY REPORTED IT ON MY CREDIT FILE, BECAUSE THAT IS LESS THAN 30 DAYS.     I SPOKE WITH THE ORIGINAL CREDITOR,   XXXX   XXXX   AT  XXXX , AND THEY ALSO STATED THAT THEY DID NOT EVEN COMPLETE THE INVOICE UNTIL  XX/XX/XXXX   . THEY ALSO STATED THAT ONCE THE INVOICE IS FINALIZED THEY ALLOW THE CONSUMER 14 DAYS TO PAY THE ACCOUNT BEFORE SENDING THE ACCOUNT OFF TO COLLECTIONS.     I WOULD LIKE THIS DEBT TO BE REMOVED AND I WOULD LIKE TO BE NOTICED PROPERLY. THESE TIME LINES DO NOT ADD UP. THE EARLIEST DATE THIS DEBT COULD HAVE BEEN REPORTED ON MY CREDIT REPORT IS   XXXX   XXXX  ND THAT IS IF THEY HAD NOTICED ME, WHICH THEY NEVER DID.     I WENT TO THE ORIGINAL CREDITOR ON   XXXX   XXXX   AND OBTAINED A COPY OF THE INVOICE AND DEBT THAT I WISH TO DISPUTE. I HAVE INCLUDED THAT INFORMATION WITH THIS DISPUTE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I graduated from the XXXX of XXXX. When I graduated in XX/XX/2008 the housing the market crashed jobs were slim to none to come by. I did manage to find freelance work to make ends meet. I was struggling to pay my student loans. When XXXX XXXX sold to Navient the rates changed on my loans as high as 7.25 % variable rates. I called Navient and they agreed I could pay interest only payments at {$400.00} a month. I struggled for the past 12 years making these payments and yet my loan balance grew greater. 
I had to give up my apartment and move in with my sister. I had to stop my car insurance because of lack of money. I take the trolley to my various jobs. I 'm now paying {$100.00} a month for mandatory medical insurance or I will be penalized on my income tax. I set up payments plan with XXXX but stopped paying {$400.00} a month to Navient. I was starving. I have tired several times to set up a pay plan based on my income with Navient. No one will help me and they have now sent my loan to a collection agency. I tried to set up a plan with the collection agency they said I must pay {$850.00} a month. So it has come down to I must eat first and forced to pay the XXXX medical. This ca n't be XXXX that I was born and raised in.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Williams & Fudge, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I attended part of semester at  XXXX   XXXX  in   XXXX   XXXX    XXXX . I withdrew from my courses.  XXXX   XXXX  charged me a penalty. Subsequently, my  XXXX  tax return was seized to cover the entire {$770.00} penalty the school charged me. They later sent me a letter notifying me. I received this letter from  XXXX   XXXX , attempting to collect the same debt. I asking that this debt collector be sanctioned for attempting to collect a debt, which has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: Experian Information Solutions 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:
ON   XXXX     I MOVED OUT OF THE APARTMENTS.   XXXX   XXXX   A COLLECTION COMPANY NAMED  XXXX   XXXX   XXXX    XXXX   XXXX  , REPORTED A DEBT IN THE AMOUNT OF  XXXX  ON MY CREDIT REPORT. I NEVER RECEIVED A DEBT VALIDATION NOTICE. I KNOW I HAVE 30 DAYS TO DISPUTE A DEBT BEFORE IT IS REPORTED ON MY CREDIT REPORT. BEING THAT I DID NOT MOVE OUT UNTIL THE   XXXX   XXXX   XXXX   THERE IS NO WAY THAT  XXXX   XXXX  COULD HAVE SERVED ME WITH THE DEBT VALIDATION NOTICE BEFORE   XXXX   XXXX   AND THEN LEGALLY REPORTED IT ON MY CREDIT FILE, BECAUSE THAT IS LESS THAN 30 DAYS.     I SPOKE WITH THE ORIGINAL CREDITOR,  XXXX   XXXX  AT  XXXX , AND THEY ALSO STATED THAT THEY DID NOT EVEN COMPLETE THE INVOICE UNTIL  XX/XX/17   . THEY ALSO STATED THAT ONCE THE INVOICE IS FINALIZED THEY ALLOW THE CONSUMER 14 DAYS TO PAY THE ACCOUNT BEFORE SENDING THE ACCOUNT OFF TO COLLECTIONS.     I WOULD LIKE THIS DEBT TO BE REMOVED AND I WOULD LIKE TO BE NOTICED PROPERLY. THESE TIME LINES DO NOT ADD UP. THE EARLIEST DATE THIS DEBT COULD HAVE BEEN REPORTED ON MY CREDIT REPORT IS  XX/XX/2017    AND THAT IS IF THEY HAD NOTICED ME, WHICH THEY NEVER DID.     I WENT TO THE ORIGINAL CREDITOR ON   XXXX   XXXX   AND OBTAINED A COPY OF THE INVOICE AND DEBT THAT I WISH TO DISPUTE. I HAVE INCLUDED THAT INFORMATION WITH THIS DISPUTE

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 2017-05-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
USAA h as lowered my credit limit to {$3000.00}, way below my current balance of {$8000.00} and immediately reported this to the credit bureaus causing m y credit score t o drop  XXXX  points fo r the  XXXX  time in last   XXXX  . It is their attempt to force me to pay a higher monthly payment.    This is the   XXXX   credit card  with USAA w hich they lowered my credit limit below my current balance and reported this negative information to all  XXXX  credit bureaus.   I belie ve USAA has t argeted me for some reason and are deliberately ruining my credit history causing me higher rates for insurance and causing other creditors to follow suit.     I have had this credit card for approx.  XXXX  years and have NEVER missed a payment. Further, I have never missed a payment with any account in my name my entire life. I am  XXXX  years of age and never have I  had any kind of negative information reported to my credit report, However, in the last week USAA ha s wrongfully report ed  XXXX  separa te negative items to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Guild Mortgage Company LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I am concerned and would like to bring this to light. I applied for a home loan with Guild Mortgage, XXXX XXXX branch. The Loan Officer was XXXX XXXX, who is also the branch Manager. What concerns me is I never met with him. I met with his assistants, XXXX and XXXX. They reviewed my documents, went over a loan scenario with me, quoted me interest rates, my payment, down payment, etc. I asked when I would be meeting with XXXX since his name was on all of the douments I was signing, and was told he was not available but they were his assistants and they could help me. I asked XXXX why her name wasnt on the forms she said she was not a licensed loan officer and XXXX was the licensed loan officer of record. I asked if XXXX was licensed since she was the person explaining all the forms I was signing. She also said she was not and didnt need to be. That made me feel very uncomfortable. I had XXXX unlicensaed people explaining all the legalities of my loan to me, yet the actual licenseed " professional '' was no where to be found. I would like to know if this is normal practice?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX we filled out a RMA with BOA for a Harp XXXX XXXX modification. In XXXX XXXX we were granted a temporary modification from BOA. We were informed that the modification could change after we made the XXXX trial payments to a XXXX XXXX XXXX. In XXXX XXXX, we made our 3rd payment to complete the 3 trial payments. We spoke to our account representative and she said she was putting in the request for the permanent modification. She stated that we should receive the paperwork in the mail in approximately 15 days. We did not receive any paperwork in XXXX XXXX. I called BOA to inquire about making another payment and about the permanent modification. They processed the payment and then told me that there was no paperwork completed yet for the permanent modification. The representative then told me that there was no guarantee we would receive a permanent modification but that we should continue to make monthly payments.

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