BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, I bank with BOA I currently just got my Federal and state tax refund in this account which I been waiting for to catch up on bills due to me not working! I go into bank to make withdrawal I have a XXXX hold! Keep calling them no one tells me anything. Im about to be XXXX  with XXXX  kids because of this situation! They have all my money 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 explanation
Consumer complaint received 2017-04-19
Company: Navient Solutions, LLC.
State: MA
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:
Sin ce Navient beca me my servicer, they have told me that my loans qualified for Income based repayment, which they did and I promptly enrolled, however, since I am eligible for PSLF Navient told that my loans were eligible for that program. Today I was told that it is not the case, and that my loans and years worth of being enrolled on the program will not count towards PSLF.  This took 3 hours and four different people giving me four different kinds of information. Navient should make two years worth of interest payments on my behalf and those two years should be counted towards my PSLF program. This should be illegal and could potentially cost me thousands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
On the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have the following Case numbers created by Experian based on my multiple phone calls with agents requesting a method of verification of the Bankruptcy shown inaccurately on my Credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have not received a sufficient substantive response to my request that the CRA has responded online simply stating that The dispute for the bankruptcy named US BKPT CT CA L A was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

What company? What is the name of the company? 

From my multiple phone requests, one agent said it was XXXX XXXX. But when I contact XXXX XXXX they have no record or verification that bankruptcy exists on my credit report. I have attached a copy of the credit report from XXXX XXXX This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all the relevant information I provided by you to the creditor for their investigation of my dispute. 

i request and requirements under the law from Experian all the information used for the investigation, as required by FCRA 611 ( a ) ( 7 ). 

i request all erroneous incorrect bankruptcy be removed unless it can be Verified. 

it has now been 325 days of the request for the verifying information. every time i make a request they file a new dispute like its some sort of game. 

i have also documented through certified mail that they have received such requests all are ignored, representatives even say they have received my request but never replied a supervisor " XXXX on XXXX XX/XX/XXXX said, " We dont provide that information '' when asked will you provide me the information she said " we do not provide that information ''. Experian does not do an investigation. and refuses to do so

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 2017-04-06
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Have  XXXX  and  XXXX . Charges from  XXXX   (    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     ) were incurred and I was unable to pay them at that moment ( after having   XXXX   XXXX   ) ... Yet, they as the state, freeze and control all state tax refund payments to me and my wife each year/and or with the help of the IRS, also our federal tax returns ... As such, this debt and any from them ever made, is automatically discharged each year as they collect me and my wifes state tax and federal tax refunds ... ..In essence, there is never a old/new debt due as we pay them via tax return refunds they get at the end of each year ... I have a feeling that this is the same law firm I have told repeatedly not to call me and they continue to try and extort cash from us ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On  XXXX   XXXX ,    2017 I  sent certified letters for  XXXX   XXXX   XXXX   XXXX  {$550.00} ) as well as to  XXXX   XXXX   XXXX  ( {$250.00} ) regarding  XXXX  negative items reporting on my report negative asking them to validate the debt. After 30 days, I did not receive validation and/or verification of the debt in the mail as asked. Instead both agencies ignored my request all together and did not provide verification. In  XXXX   XXXX ,    2017 I rea ched out to Experian the agency where the acounts werre reporting negative and explained to them that I previously disputed these  XXXX  accounts with original agencies and received no response. They opened up a new dispute on  X/XX/2017   . I then called today  X/XX/17    to check the status, and per Experian they received verification of these accounts. I explained that how can they receive verification and I did not receive correspondence in the mail? I asked to get a copy of the alleged verification and was denied with the staff stating that the agency does not provide that information. As a consumer if I am disputing something on my report I am entitled to copies of documentation in response to my request and both the original agencies  XXXX   XXXX   XXXX  as well as  XXXX   XXXX   XXXX  failed to provide the information requested. 30 days later, Experian a reporting agency also failed to provide verification and/or validation of debt they have reporting negatively on 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 2022-08-30
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have submitted a complaint already which the Equifax Company did not even address. 
Ref. ( Complaint # XXXX ). 
The complaint has NOTHING to do with my credit content, it has to do with their ability to allow me to online access to my info either through their portal or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: BB&T CORPORATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been hit with almost {$200.00} in overdraft fees f rom BB &amp; T. I payed s ome bills the day before my direct deposit from my employer was deposited only after checking to see if I had any pending deductions. I had no pending deductions showing on my account so I figured with my direct deposit being deposited in a few hours I 'd be safe but when I checked my account the following morning I had been hit with numerous overdraft fees, I called the bank and they said they do n't post all pending deductions daily so that 's why I was charged and there 's nothing they can do because I had  XXXX  overdraft in  XXXX  of    2016 and  they only refund  XXXX  every 24 months.I ca n't afford to pay {$200.00} in overdraft fees when I only make {$300.00} a week, is there anything I can do?

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 2017-08-29
Company: Ocwen Financial Corporation
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed chapter XXXX bankruptcy with exemption that I would reaffirm the debt of my XXXX XXXX XXXX motor vehicle and our. property service by Ocwen Loan Servicing I claimed as exempt was retained an pay as to contract.But both are closed in my credit report because of chapter XXXX bankruptcy which .I have never stopped making payments because they were both retained they were not part of the bankruptcy..No payments are been reported by either company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-29
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I borrowed {$2500.00} in XX/XX/XXXX. 8 payments of {$290.00} and 1 {$170.00}. If I were to pay this off today I would owe {$3100.00} after making all these payments. {$4.00} of each payment goes to the principle of this loan. I have asked for a hardship payoff due to a series of medical issues since XX/XX/XXXX. 1st an accident at work and then XXXX XXXX XXXX XXXX on my XXXX. I missed almost 3 months of work. I believe that this interest rate and loan process is so wrong. I also know that I was the XXXX that signed the paper. I want people to know not to do this. The XXXX XXXX  counselors almost talk you into getting the loan saying things like " I know you can pay it off sooner '' .. They basically schmooze you into thinking you can afford this.. After final payment the total I will have paid is {$14000.00}. There should be laws protecting vulnerable and gullible people like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX his isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution.next step is to take XXXX  to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant get aproved for anything which is casing me even more XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Weinberg Mediation Group LLC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I got a call awhile back from this company stating they would file a law suit against me if I did n't pay. When I started to question them the lady became irritated and said forget it we will see you in court and hung up on me. This was several months ago ... .Now today they have calld my father, how they got his number, but left him a voicemail stating that they made several attempts to contact me and if i did n't comply they would take action. So, I called them and tried to get more information. The lady stated it was the attorney calling me trying to settle a debt and if i ca n't they will file a lawsuit. I asked the lady who the original debt was and said services credit union and it was for a credit card that I had with a XXXX dollar limit that I opened in XXXX of XXXX. I told her that I had never had this type of card that I have only ever had a XXXX XXXX and I am in regular contact with them. Then she asked if I ever went to college and I told her yes, she said Oh, I bet that was the card and asked me if I had a credit card in college and I told her no. She said yes ya did. I told her that I went to college in XX/XX/XXXXso even if I did this would not be because of this. She said you did have this card and you even made a payment of XXXX. I told her that I do n't work and was n't working full time back when she says this was opened and there was no way I would have ever been in a position to make that large of a payment with XXXX kids and my other bills. I asked them to not call my father again and she got mad and told me they would go to court and then I would be thrown in jail then she hung up on me. I had a friend call back to see if we could get the website and they refused to give that information and hung up on him.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Monterey Financial Services LLC
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Been getting harrassing calls fr om Monterey Financial Collections ab out a debt I have no idea about. They put it in collections without ever sending me anything in the mail to prove to me I owe anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM 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 2017-04-21
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have received a notice from   XXXX   today that a negative issue has affected my perfect  credit score. Evid ently, a " Walmart Credit Card '' was opened in my name with a balance of {$600.00} due. This has now been reported on my  credit score -- which contains ALL accounts which are not only NEVER LATE but have NEVER CARRIED A BALANCE. I have no idea how someone could have opened an account with my information? This is very troubling to me, as I have several credit cards and perfect credit. Someone from this " Walmart Credit Card '' was calling me a few months ago and leaving messages. I in fact, called this number back only to get an answering machine with a LOOP in the message tree. I then reported this phone number to the Do Not Call List and in searching online found that several other people have also reported the number because of someone calling about an unknown " Walmart Credit Card. '' This is very troubling and I hope that someone looks into this carefully to see what is going on.      I will absolutely legal pursue damages against this company if this is not resolved readily.

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 2017-08-29
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
Barclay Bank is in violation of the Bankruptcy courts and violating the automatic stay. They were included in my discharged bankruptcy XXXX yet continue to report and contact me.

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 2017-04-19
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
Account sold to  XXXX  party and now they are harassing myself and my family. The are threatening violence and jail. Calling all hours of the day each time with different threats. State they are coming after me at my home and place of work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is a follow up to my first complaint. This name is not my correct name. Look at the incorrect spelling of the last name on the statement and the card they issued. They are reporting it on my credit report as delinquent and as resolved with me at fault. This is wrong. Please help me.

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 2017-04-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX entered into an agreement and payment plan with me in XX/XX/2012. I have paid every payment on time according to that agreement. The agreement was that I would make monthly payments of {$600.00} per month until the debt was paid. I have done so. About a year in they started reported me late because of the two past due payments that caused us to reach out to them originally. They told us when we made the agreement that these payments would be put on the end of the contract and to pay {$600.00}. Now, their response is that we were verbally told we had to make all payments on time. We have. We were told the past due payments would not be due until the end. AND WE HAVE A LETTER FROM THEM STATING THE TERMS OF THE AGREEMENT AND THE THE AMOUNT DUE WAS {$600.00} on a go forward basis. They are ignoring what they told us and stating facts that are not true - that we were " never guaranteed '' we would be given the extension for those payments. Additionally, we have been in touch with them for 5 years about this and only when we complained here did they reply. Experian and XXXX have both been notified but have not taken corrective action. This has resulted in my credit to plummet, insurance rates to rise. Please correct this information immediately.

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 2022-08-31
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, I received a text message from Credit Collection Services, stating that I owed XXXX XXXX XXXX XXXX {$1200.00}. I had no knowledge of the debt, since I haven't conducted business with this company. The text included a reference number and a link to the company 's site. I clicked the link and uploaded a PDF document, indicating that I had no knowledge of the debt and to provide proof that the alleged debt was in fact mine. This correspondence was sent via the company 's portal on XX/XX/2022. I never received anything validating the alleged debt, after sending a validation request. The only correspondence that I received were billing statements, stating that I owed the alleged amount. So on XX/XX/2022, I sent correspondence, yet again via the company 's website, requesting validation of this alleged debt. Still I received nothing. 

Today, XX/XX/2022, I receive notification from my credit monitoring service that Credit Collection Services has flagged my credit report with this alleged debt. I never received any validation of this alleged debt, yet they took it upon themselves to flag my credit report. This is a violation of the FDCPA and I want this inaccurate reporting removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
On XX/XX/19- I received an alert that i had a missed payment on my credit report. Upon further investigation, again it was an account that was closed over two years ago. See attached screenshots for evidence. I have enlisted XXXX XXXX XXXX to help me settle this account. For the past year i have been making steady payment to settle this account.

Company response to consumer: Closed with explanation