BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
The account XXXX do not belong to me. This account was removed from my credit file XXXX/XXXX/2014. I do not understand why it has appeared again. This inaccurate information must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I WAS A VICTIM OF ID THEFT IN A USED CAR BUSINESS, BY XXXX XXXX AND HIS FATHER XXXX XXXX. THEY FRAUDULENTLY USE MY NAME AND NAME SEMBLANCE TO DEFRAUD CUSTOMERS OF THEIR TAXES AND WARRANTY MONEY THEY PAID XXXX XXXX AT THE DEALERSHIP, XXXX XXXX HAS PLED GUILTY TO ALL COUNTS AS YOU WILL SEE ATTACHED. THE TAX LIENS ON MY CREDIT REPORT IS NOT MINE, THEY ARE WHAT XXXX PLED GUILTY FOR

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have XXXX and XXXX loans with Navient and I have been told repeatedly that my payments can not be lowered from $ XXXXmonthly, forcing me into a forbearance where the interest has now practically doubled the amount I originally borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked all three of my credit reports at the end of XX/XX/XXXX and AFNI collection agency for XXXX was on all three reports. I disputed on all my credit reports because the debt does not belong to me. The debt was deleted off XXXX  and XXXX in XX/XX/XXXX but not off my XXXX credit report. This isn't a debt of {$920.00} which was placed on credit report on XX/XX/XXXX isn't owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have sent certified mail four times to Equifax ... I 've been disputing UNVERIFIED accounts on my credit report. I 've followed their protocol request to contact creditors per my phone conversation with Equifax dispute department on all unverified creditors. Every creditor have advised me that they do n't and will not contact credit bureaus under any circumstances ... They only give information once bureau requests info from them. If this is the case why Is n't the requested information I 've been requesting honored ... This inaccurate/derrogatory information is sincerely hindering my ability to refinance my properties which ballon payments are coming due in XX/XX/2017. I 've been fighting with Equifax since XXXX of this year 2017. They 've not addressed any/all the derrogatory information in my credit report as of XX/XX/2017. I 'm requesting assistance in this delicate situation. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Riverwalk Financial Corporation
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a notice from DeVille Asset Management LTD in XXXX, XXXX on XXXX XXXX XXXX. It stated that I owe over {$20000.00}, I could receive XXXX % off by settling for over {$13000.00}. I mailed a reply letter dated XXXX XXXX stating the debt was a credit card debt that was over 7 years old which I believed to be past the statute of limitations according to information on www.consumer.ftc.gov 's site, along with a listing by State on XXXX 's site. I have attached that letter, my response letter with pay confirmation, a call log, and copy of XXXX emails over a 6 day period. DeVille 's last email communication with me today states a different date they consider to be the official delinquent date of the debt but that date still makes the debt XXXX and XXXX half years old, still past the statute of limitations, to my understanding it is termed a " time barred '' debt, 4 years in the State of XXXX where I resided when I could no longer pay in XXXX due to job loss. Additionally, I came back from XXXX XXXX last year after living and serving there as a XXXX for 7 years. I am starting over from scratch, I have only been working since last XX/XX/XXXX and I provided a copy of my latest payroll to help identify my financial circumstances. I am in the process of applying for subsidized housing and food assistance in order to live. I do n't own a car, house or anything else of lucrative value. I do n't even have any furniture right now. I 'm temporarily borrowing a friends car to get to work. However Deville cites in the last email they will " proceed as fit ''. Creating more financial burden unnecessarily, putting time, effort and money into pursuing this makes no sense. Please see the attached communications which clarify in date order. I do not agree with DeVille 's assessment with my ability to pay the debt based on my credit score, ignoring my circumstances and that it is a time barred debt. Thank you for your time in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
I had a Barclay 's card for many years I paid on time every single time never missed a single payment, my card was on auto pay so the the monthly payments where made automatically by the bank. 
XXXX XXXX XXXX has closed my account from one day to the other with out notice therefore my auto payment did not go through, I was in XXXX when all this happened as soon as i noticed the problem I immediate took action to correct it and i had added a other bank account so all is running smooth now, I am clearly not at fault on this issue. 
Please help me out thank you very much Happy new year

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Navient Solutions, LLC.
State: CA
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 was doing automatic payments via my bank check account, my school enrolled me in school again and Navient, instead of calling me or email me to the designated email I assign to contact me, they did deferment of payments when I started the school enrollment accruing taxes. At the time my school enrolled me, I was taking care of my Daughter, she got really sick in those days going on and off from the hospital for 4 months ; finally on XX/XX/2016 she got XXXX and now is doing better. They made all this changes in that period of time. Since was an automatic payment, I did not care to check if they were taking the money of my account or not. Recently when I needed to take a copy of my XXXX I noticed the interest was XXXX to deduct from my loan, I contacted them and they told me they sent me emails to my primary email which they never did about the deferment of payments. Today I saw that they sent me emails to my Navient 's account. I am still a student and will be in the next months until XX/XX/XXXX, and I received a letter that I will start my payments in XX/XX/XXXX, So if by law they need to defer payments while you are enrolled in school, why they will restart the repayments in XX/XX/XXXX. I told them is not fair they did not notified me and they told me I needed to know the rules about payments. Their answering service for claims is an outsource company and you can not speak with a manager. I think they need to be punished not notifying clients about changes in their accounts to their personal emails. In my profile its stated which is my preferred email to be contacted and they did not do it as requested. Also, when I was a student, I chose the option to pay my interests monthly while in school, they never contact me for payments and they accrued a considerable amount of money, you can check the documents they should have on file. Also they need to be penalized for not following the borrowers wishes and choices. I come from XXXX, everything with loans is new for me. I think that they purposely do not explain things so you pay more interests. Thanks, My phone number is XXXX, My email is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: SLM CORPORATION
State: NM
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 private student loan ( Sallie Mae ) is at 12.75 % yet on the web site they offer student loans from 2.5 % to 9.59 % i have called numerous times to try and get my student loan interest rate reduced so that i can afford making the payments each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Renton Collections , Inc. contacted me by phone on XX/XX/XXXX. The representative asked that I pay a debt for medical care. I told him I was unsure about owing this debt, so please send the bill to me. The representative continued to call me, despite my request. He called me two more times on or about XX/XX/XXXX and XXXX, XXXX. Again, I requested a written statement. Renton Collections did not provide a written statement until XX/XX/XXXX. ( see attached ). The notice was not provided in the five day window as required by section 809 ( a ), nor did it provide the information listed in 809 ( 3 ), ( 4 ), or ( 5 ). 

I disputed the debt and made two written requests for proper validation of the debt after being contacted again by Renton Collections. I have proof of delivery of my requests. My requests were ignored for over a year. 

On XX/XX/XXXX I received a letter ( postmarked XX/XX/XXXX ) from XXXX XXXX at Renton Collections, enclosed in the letter was a copy of a document.This information was not provided during the five day window as required by section 809 ( a )., and the letter included a phone number never used by the original creditor. More importantly, the statement clearly indicates that I had a {$0.00} balance. 

Renton Collections also knowingly failed to comply with Washington state law RCW 19.16.250 that requires debt validation notifications include a very specific list of items. Many of those items were not included in any communication I received regarding this matter. 

Renton Collections Inc. has not complied with federal or state law, because this is not a valid debt. They are sending documents to me and using legal language that do not actually satisfy their legal obligations under federal or state law, but are designed to deceive and intimidate me into paying money that I do not owe. I would like this harassing behavior to be exposed and stopped.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting incorrect information on credit report in regards to a student loan that I have. It shows XXXX pate payments for an account that I have had a forbearance from XXXX in which those XXXX late payments were contained inside of my forbearance thus never having my account late at all. The FTC advisory opinion on Sec. 623 ( a ) ( 2 ) of the Fair Credit Reporting Act requires a furnisher of information ( loan provider ) to provide corrected or updated information to all of the consumer reporting agencies ( credit bureaus ) to which it was originally reported, regardless of the fact that the information was accurate when originally reported. The months that report late were in covered by my forbearance and need to be changed to a positive status. According to the FTC opinion of the FCRA they must update my report.

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 2021-12-18
Company: CITIBANK, N.A.
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
In early XX/XX/2021 I noticed four unauthorized charges on my Citibank Costco credit card totaling {$2100.00}. All charges were dated XXXX, three were to the XXXX XXXX and one was to the XXXX XXXX XXXX. Neither my wife or I have ever been to a professional football game or a XXXX XXXX XXXX baseball game. 

I immediately contacted Citibank and reported the charges. They sent me some dispute documents which I filled out and returned. 

On XXXX I received a letter from Citibank dated XXXX stating that their investigator has determined that I placed the order and was responsible for the charge. It also advised that if I did not pay they would report it to the three consumer reporting agencies. 
The letter was unsigned and no contact information was on the letter. 

On XXXX at XXXX I contacted Citibank ( via their customer service number ) named XXXX XXXX who claimed to be a supervisor but was unable to locate the Investigator who handled my dispute or provide his name. 

I am a retired XXXX ( OH ) Police Department Detective ( XXXX yrs service ) and was the XXXX XXXX at the XXXX XXXX ( OH ) for 17 years. I have extensive experience in XXXX XXXX investigations and Fraud and Economic Crimes investigations, including credit card and related crimes. 

I know I am not responsible for the fraudulent acts of other on my credit card but it appears to me that Citibank is trying to " bully '' customers into paying for fraudulent charges made on their credit card.

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 2017-03-29
Company: DISCOVER BANK
State: ID
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Discover company claims I agreed to a payment protection plan in 2003 but ca n't give me proof. They have cancelled the plan on my request and have offered a refund of the past 6 months chargesture. This plan represents a great deal of money charged me with no benefit to me at all. My husband pays the bills and did not realize this was a scam charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I signed up with XXXX XXXX XXXX about 3 years ago to pay off my Bank America credit card. They took {$210.00} a month out of my checking a/c for 30 months - which is what they told me would satisfy my account. I have paid all of that six months or so ago. Bank America has given my {$12000.00} balance to a debt collection agency. They have sent me a notice to go to court XXXX. I have been trying for several months to speak with someone at XXXX. I have not been able to speak with a real person. I do n't know what their plans are for my {$6500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have been trying to cancel a XXXX credit card from Bank of America, and request annual fee refund. When I initially called, Bank of America associate ensured me that my card will be cancelled, and the recently charged annual fee will be refunded. 

The card appears to be cancelled, however the balance for the annual fee still appears in my statement. 

I have attempted to call twice already, and both times the wait time exceeded 40 minutes. I tried to submit the request online, but received a message that these types of requests have to be taken care over the phone. I am calling again today, still on hold.

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 2016-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America sold my account in XXXX 2016. It was never delinquent, but Bank of America reported it delinquent in XXXX 2016.

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 2015-06-09
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received XXXX calls from what I believe is a collection agency. They say they are looking for my niece. They claim my phone number is what she used for her primary contact number. When I call them on it and say they are lying they become rude and accuse me of lying. When I ask how they got the number they refuse to say. I have NO relation with my niece and there is no way she would have used my number. I have a small business and my number is my business number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: The CBE Group, Inc.
State: MO
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 am in a horrible limbo with my student loans and my financial life. I am in default and there is no way of getting out of default beyond paying everything off. Original loan amount was XXXX and because of fees the amount was over XXXX last year. Last year I paid over XXXX and currently being forced to pay money every 24 days. I have been with my wife for 27 years, have a family of XXXX. No matter what I do the debt / fees continue to grow and I ca n't get on top of them. We lost our home in XX/XX/2008, we have had vehicle repossession and my tax refunds are garnished. 
I have no way to resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a small business checking account in 2015 with Bank of America because they offered a {$100.00} signup bonus ( with qualifying deposit ). I made the deposit and did not receive the promotion, so I called in and was told I had earned the offer but it was likely still pending. I waited but still did not receive the offer. When I called in again, they said I did not have the promotion on my account and had no record of my previous call, or of the initial call when I opened my account. Despite presenting them with online evidence that the offer had been active when I opened my account, they refused to fulfill the promotion.

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 2017-03-16
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
3rd Party collector is not licensed in Texas

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Oracle Financial Group LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Call to my mother sent to me. Wanted name and social security number and threatened possible summons but need not specify reasoning. Left a case number and telephone number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Since falling victim to the XXXX, XXXX XXXX, Experian, and several other data breaches I have been unable to obtain my report and dispute anything on my report online. I only receive a message asking me to contact someone at the reporting agency. I would like to have my report unblocked as it has been more than 5 years since these breaches and I am in the process of repairing my credit. The inability to dispute online is hindering my progress tremendously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I received a call from a man who said he works for Providian Financial and he was calling to collect a debt on a payday loan. I have never done business with Providian Financial so I asked that he send me in writing more information. He said that he has sent me XXXX emails that I have never received. He has called my cell phone and he gave me a callback number for him XXXX. He has been calling my employer repeatedly and when I ask him to stop, he said I am going to keep calling them until you pay the money and I do n't care if you get fired. He told me I had to go to a XXXX office and call him from there and he would tell me where to send the money. I want this man to stop calling my employer. My employer said he has jammed up the company phone lines on multiple occasions.

Company response to consumer: Closed with explanation