BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-20
Company: Paypal Holdings, Inc
State: TN
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
on XXXX XXXX, 2016 i ordered a projector listed on ebay but payed the seller thru paypal directly cuz he was offering a lower price. item was sent n delivered but i never recieved the package.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX loans transferred were the first loans to transfer to Fed Loan Servicing as I'm pursuing Public Service Loan Forgiveness ( PSLF ). Payment was set at {$41.00} on XX/XX/XXXX under the IBR plan. I was then notified on XX/XX/XXXX that my payment was recalculated at {$80.00} under the REPAYE plan. The TEPSLF was announced in XX/XX/XXXX. I consolidated my Navient loans, which were transferred to Fed Loan Servicing. On XX/XX/XXXX, I received notification I had 2 new payments that had been calculated. One payment was calculated under the ICR plan at {$170.00} and the other payment had been calculated under the REPAYE plan at {$160.00}. I've been paying XXXX and Navient every month, without fail, for the past seven years and my payments have always been affordable ; I've never struggled to make meet my student loan obligations or other financial responsibilities. My prior payments were set at {$39.00} and {$28.00} respectively. I've tried, exhaustively, to discuss this matter with representatives of Fed Loan Servicing to no avail. My income has not increased since the initial payment notification dated XX/XX/XXXX. In fact, my tax return indicated that my income actually decreased from last year. No representative can intelligently explain why there are 2 payments when they are a singular servicer, other than to state there are Parent Plus loans, which were consolidated into a loan and no longer stand on their own. Additionally, the representatives I've spoken to insist that the loan that includes the Parent Plus loans is not eligible for an income based repayment plan, contradictory to what is indicated on the Department of Education 's website regarding the Temporary Extended Public Service Loan Forgiveness waiver. Efforts to reach someone at the Department of Education have met with negative results as well. I continue to be given phone number after number only to be told I've reached the wrong department. I've filled out numerous applications for payments plans, been denied, told I've filled them out incorrectly, had them deleted, and have no idea where to turn for assistance. I am petrified of losing everything I have worked so hard to achieve simply due to a change of loan servicers. Any assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX  has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open up fraudulent accounts. I pulled my credit and there was so many accounts that have been open or are open. Please remove these accounts from my report. They do not belong to me. 

XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$1300.00} XXXX/XXXX   XXXX {$1000.00}

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 2015-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of AmericaXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, I was informed that once I made XXXX 2015 payment, Customer Service Representatives name would be removed from my account and then I could have the funds allocated as payment instead of to principal. No one was ever able to explain why Customer Service Representatives name was attached to my account since my Trial Modification Period was over. Please explain this process that is not indicated in my Trail Modification agreement. 
I have been given numerous timeframes, from immediately after XXXX XXXX payment to XXXX days after, about when the {$950.00} will be released so that I can allocate as a monthly payment. I am constantly getting misinformation from Bank of America Customer Service Representatives and their Supervisors. Please clarify when the {$950.00} will be released and why it was applied to principal and not as payment initially. Why was I not asked what I wanted done with the money? I have asked numerous times for documentation in writing, but was informed I could not have information in writing. I would just want Bank of America to quit changing the rules to benefit themselves. Why if Bank of America is following their standard policy and procedures can I not have information in writing regarding my account? 
After much research, my Customer Service Representative informed me on XXXX XXXX, that I would not be able to move money so I could allocate as payment and it has to stay as principal. Initially I was told that the payment had been used for my XXXX and part of XXXX payment. I informed Customer Service Representative that was not correct my modification agreement dated XXXX XXXX, 2015 stated that my first modified payment was due XXXX XXXX, 2015. Why recourse do I have since Bank of America has decided they will do what they want with my money. 

I still question if this is their normal process, why no one was able to inform me initial when I questioned movement of the funds. It is obvious that I need the modification why would they assume that I did not need this money allocated to benefit me. The trail modification calculations had already been done when the payments were received by Bank of America, so they were not included but now I am being told if they move the money, it will make me behind in my payments. I honored my agreement with the trail modification, why can I not get the same honor from Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26
Company: DISCOVER BANK
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have had an account with discover Bank for many years. I also have a credit card with them that I use regularly and pay off every month. My XXXX  score is over XXXX. 

I received a phone call voice message from discover Bank saying to call the fraud unit at XXXX. They informed me that they closed my bank account citing a business decision as the reason. They further inform me that they're going to send me a check for the money in the Bank account. 

I am a XXXX  XXXX, XXXX  XXXX, veteran and have my account closed for no reason that I know of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I HAVE FRAUDULENT INQURIES ON MY CREDIT REPORT AND I WOULD LIKE TO HAVE THEM REMOVED IMMEDIATELY, THANKS.

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 2022-02-26
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: KY
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 recently received updated copies of my XXXX and XXXX credit reports. I noticed a collection account on both of them upon review. I filed a response with the CFPB about the issue and immediately received a response from the collection agency. I received letter in mail from them today, XX/XX/2022 and replied immediately stating that what was provided was not acceptable to validate the date. The letter was sent via certified mail with return receipt and is attached for reference. 

As noted above, their claim is invalid based on what they provided to me. 

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. I demand to know who verified these accounts, and the method of verification. 

I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

Again let me repeat, you have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). As you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am in need of a consultation on a BofA mortgage in pre-foreclosure on my deceased Mom 's co-op in XXXX, NY. The co-op is in her name alone, though I have been living there since XXXX. FDIC law guidelines from XXXX state that a predatory or abusive lending practice includes offering a mortgage when the mortgagee has no ability to repay, which was my mother 's case when she was offered the mortgage in XXXX, as she could not repay a {$250000.00} loan living on {$1800.00} a month social security. My question is does this abusive bank practice invalidate their legal claim on the property?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
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 currently have student loans serviced by Navient. I am also a co-signer on my brother 's student loans. When I login to my account to pay my loans, my brother 's loans are presented as part of my total student loan payment. My cosigner agreement states that I am a guarantee for my brother 's loans, not primarily liable. However, the Navient website is deceptive, and makes it appear as though I am primarily liable for my brother 's loans, even though he is making payments on them. 
I want my brother 's loans removed from my account summary page, and for Navient to stop deceiving me into thinking that I am primarily responsible for this debt. I believe that this practice is a violation of my state 's Consumer Protection Act as well as the Fair Debt Collection Practices Act ( FDCPA ). 
I called Navient and was lied to by the representative, who told me that I am equally responsible for making these payments even though my brother is current on his payments. I was told that this could not be removed from my account. 
These deceptive practices need to stop. I will consider any and all legal action, including a class action lawsuit if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: SYNCHRONY FINANCIAL
State: MD
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:
This account was paid in full years ago but they are reporting to the credit bureaus that my account is in collections. This has taken my score down XXXX points. I need this resolved asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had three accounts with XXXX, they were bought out by Citizens. I have tried to contact Citizens, if you call by phone the wait time on all four calls has been 45 minutes to 90 minutes. They offer no chat feature on their website, and they refuse to list a email to contact them. I wish I had the time to contact them, but I don't have 90 minutes to sit on the phone, it speaks volumes for how little Citizens values Customer Service. All I want to know is how do I access my accounts that were transferred, how do I change the auto withdrawal from XXXX to Citizens. I called XXXX, they told me that they have had so many calls complaining about Citizens, but they couldn't help me. I went back through emails, I found one from Citizens, but when you open it, it gives you little info other than Welcome to Citizens, if you hit contact us, you get three options, call us ( see above on the wait ), chat with us ( doesn't exist if you hit link, says coming soon ), email us ( says we wont take emails because they are unsecure ), thus impossible to contact. Since both XXXX and Citizens offer no help, I'm reaching out to you, so that I ca nat least access my accounts. Granted, I dont have a lot of money is the XXXX accounts, typically I use them as a pass through, but still it shouldn't be this difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX XXXX CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. INCORRECT BALANCE {$170.00}, I HAVE SETTLED AND CLOSED THIS ACCOUNT. 
I closed and paid this account on time ( never late ) XX/XX/2020, However there is reporting error following next statement on XX/XX/2020 to XX/XX/2020. I STRONGLY Believe the closed account was fraudulently re-bill.

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 2017-05-30
Company: Experian Information Solutions Inc.
State: NY
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   XXXX ,    2017  I requested Experian to remove unverified accounts listed on my credit report. They stated in writing that my accounts was listed as " verified '' accounts. The following accounts were " reported correctly '' I would like to know where are the documents that Experian used to verify these accounts? What is the name of the individual, their business address, and telephone number. However, Experian sent me a letter dated,  XXXX   XXXX ,  2017 , starting that they refuse to reinvestigate. Please have them remove all unverified accounts, or sent proof of validation.

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 2017-01-18
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am in the process of repaying back my private student loans and there is a payment plan set up with Navients collection program. they refused to lower my payments and went as far of telling me if I do n't start paying them within a 7 day period, then my wages would be garnished. these loans have been paid on for almost 3 years but they are still showing up on my credit report of monthly missed payment even though they are being paid. they refuse to update their information and show that my payment is going through even though its out of my bank account and posted to their website. I can get no one who speaks English to help me out and im not unable to apply for a loan for a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: ENCORE CAPITAL GROUP INC.
State: MD
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:
This account was paid in full years ago but they are reporting to the credit bureaus that my account is in collections. This has taken my score down XXXX points. I need this resolved asap

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 for 30 days late? This can not be true! - I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: MS
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:
I HAVE FRAUDULENT INQURIES ON MY CREDIT REPORT AND I WOULD LIKE TO HAVE THEM REMOVED IMMEDIATELY, THANKS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Experian Information Solutions Inc.
State: MA
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:
A debt buyer continues to re-age and park a debt on my credit bureau report. The debt is 6 yrs. Old and the debt buyer never notified me regarding collection and could not send documents supporting old debt. You can not take a old debt and re-age it to make it appears as currently delinquent. This has caused me credit problems I can get housing and this is years old. Experian refuses to remove it and allows the debt buyer to report it monthly as delinquent. No pmts were made on acct. For over 6 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Synchrony bank closed my account although I never missed a payment. 
So I enrolled into a payment plan and requested several times for the collection rep. to ensure there would be no late payment reported with the new plan. Now my credit report showing two 60 day late payments. So I was told incorrect information and then to top it off Synchrony still sent in late payments to the bureaus. I made the minimum monthly payment under the plan as advised. I want to have the phone calls pulled the payment plan was made under and have the 60 days delinquency removed from my credit.

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