BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-07
Company: The J. G. Wentworth Company
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2018 To : CFPB To Whom it May Concern, I am very upset at how my mortgage process was handled by XXXX. XXXX.Manager XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX used a tactic called BAIT AND SWITCH on me. When I started my mortgage I was locked in at XXXX % with point. When I finished 4 months later my interest rate was XXXX XXXX with XXXX points. I needed two extensions from HUD which cost me an additional {$700.00}. My mortgage process should never have taken 4 months. 

The conventional mortgage was changed to a Construction/ Home Improvement Mortgage. The time extension that XXXX. XXXX caused was based on their report stating that the living room/ dining room/ kitchen floor, basically the whole house floors were in need of repair, the total cost being {$7400.00}. 

The floor did not need to be repaired. In doing my research the previous owner had 4 dogs ( XXXX ) what happened was these dogs XXXX  all over the floor which caused an odor. I repaired by encapsulating the oder area with XXXX and XXXX paint. My total cost was {$200.00}. The reports writer never mentions dog XXXX in any report and that was the problem all along. 

Both XXXX. XXXX and manager XXXX XXXX, are both accountable because of their incompetence extended the mortgage so that I would pay the higher interest rate and additional fees. That is the BAIT AND SWITCH. 

When looking at the documents I submitted, you will see why they misrepresented themselves. 

Thank you for your cooperation in this matter. 

Respectively yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Capital One N.A. closed my savings account, without tell the primary holder on the account and to this day has not told me whom had contacted them to do so. They are not giving me any copies of dates or all the checks that they wrote out, or where all the checks went to ( addresses ). Apparently the checks got returned to them because they didn't send them to the addresses on file. The account is still open and I had put a lock on the account back in XXXXXXXX XXXX XXXX Why won't they release this information to the primary account holder. I have contacted them XXXX times since XX/XX/XXXX now all they are saying is the account is closed, not true. 
Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2018-04-30
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I received emails from Navient reminding me to reapply for the income-based repayment program I have used since my federal student loans went into repayment. The emails led with the date XX/XX/XXXX, as the date my payment would increase. Deeper into the emails, there is a second date, XX/XX/XXXX, by which they write is important to reapply by " in order to keep [ my ] lower payment amount. '' I submitted my usual IBR payment to Navient on XX/XX/XXXX. On XX/XX/XXXX, I received another reminder to reenroll in IBR before my payments increased on XX/XX/XXXX. I subsequently submitted my IBR repayment recertification via studentloans.gov on XX/XX/XXXX after completing this  year 's taxes. 

In the meantime, Navient capitalized over {$16000.00} worth of interest on my loans on XX/XX/XXXX. Despite the fact that I will make uninterrupted IBR payments, as I have for years, they say that by waiting until XX/XX/XXXX to reapply I left the IBR program. Although I will reenter seamlessly in time for my XX/XX/XXXX payment, according to Navient I have triggered capitalization. 

I find Navient 's communications deliberately misleading by repeatedly offering up the date XX/XX/XXXX, but only naming XX/XX/XXXX on two occasions and less prominently. I have loans through another servicer, XXXX XXXX XXXX. Using the same IBR recertification on XX/XX/XXXX, they have reprocessed my IBR plan with no interest capitalization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There are 2 charges on my credit report - XXXX XXXX XXXX & IQ Data International both claiming I owe money. 

IQ Data Int - original lender XXXX XXXX XXXX XXXX - {$3500.00} XXXX XXXX XXXX - original lender XXXX XXXX XXXX XXXX - {$3500.00} Apartment fraud - XXXX filed 2 charges, never provided final move out notice per leasing agent. 

This apartment agreed to terminate my lease with a move out fee, which I submitted by personal check in XX/XX/2016 but was told I had to wait for final move out notice. The new company I went to work for agreed to pay my relocation charges, and made sure my package included this amount. The final move out balance check was never cashed by XXXX and then an employee of XXXX provided my estranged ex husband with my new address while under investigation for XXXX   XXXX after my bank records were audited during the divorce. My ex husband learned my wearabouts because of XXXX XXXX XXXX XXXX and began XXXX XXXX XXXX XXXX XXXXl XXXX again!!!! Most unethical place ever!!!! I am homeless and now have 2 creditors calling me for the same charge. This needs to be resolved as no one ever gave me the final invoice and the apartment violated the family protection act.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: FL
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:
From XXXX until today, I have been reaching out to no avail with Equifax. I don't get a response back in the mail, nothing has been investigated and I'm still being hindered for inaccurate info on my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This Credit reporting agency are reporting inaccurate accounts on my file even though they have actual knowledge of the errors on these accounts they are now deliberately violating my consumer rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy.

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

15 U.S.C 1692C also this law clearly states that without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer,

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 2021-06-04
Company: RAB PERFORMANCE RECOVERIES, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/21 RAB performance had XXXX XXXX XXXX place a hold on my bank account for a credit card i never had. And the so called debt is over 10 years old. Also when i contacted both agencies they gave me the run around. I need XXXX badly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: OneMain Finance Corporation
State: IA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I spoke with One Main and let them know that I am working with a debt consolidation company and that company will be contacting them appropriately XX/XX/23. I continue to get calls even after I had the discussion which is fine if they feel the need to continue calling until XX/XX/23. However, there was a call that was placed to my work shared business phone line from a number that came up as XXXX. They started discussing my personal financial information on this line without any sort of verification on whom they were speaking with. My concern is that my information is being shared without any sort of validation or business need to know... I think this is possibly a privacy violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 a venmo transaction was sent for {$350.00} to a XXXX XXXX ( @ XXXX ) for the deposit of a puppy. After further communication with the breeder that started to feel questionable, it was discovered the recipient was a scammer on XX/XX/2022, the name does not exist and the XXXX account was not real. Upon discovering this information, I immediately contacted Venmo to inform them of the scam and requested help in obtaining my {$350.00} back. In the meantime, the recipient mentioned above blocked me. Venmo failed to assist and continually stated that it was unfortunate and there was nothing they could do. I would like to file a formal complaint in regards to this issue and the protection of my money. I informed Venmo of the contract that was entered and they did not have a care in the world to help me resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm in the process of buying my first home and I went to review my Consumer Report with XXXX to make sure no inaccurate information was being unlawfully reported. 
To my surprise, there was a number of inaccurate late payments actively being reported by XXXX XXXX XXXX XXXX XXXX 

FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law clearly states that " transactions '' ( payment history ) and " experiences '' ( utilization ) are EXCLUDED from being reported on my Consumer Report! This is a serious violation of my rights as a consumer and has negatively impacted my ability for credit extension in order to buy my first home!

Therefore I demand that this account be permanently UPDATED to " Paid As Agreed Never Late '' or be permanently DELETED from my XXXX, Equifax, and XXXX XXXX Report immediately! 
I am also seeking damages in the amount of {$1000.00} per violation ( listed below ) against each Credit Bureau for their willful and blatant violation of my rights as a Consumer and failure to take action to cure the problem when initially reported : a. Defamation of Character b. Negligent Enablement of Identity Fraud c. Fair Debt Collections Practices Act 15 USC 1692g violations d. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Westcreek Financial
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
On XX/XX/21 I called XXXX XXXX XXXX XXXX XXXX and spoke with XXXX XXXX about the way my truck was acting and sounding, and he told me to bring it in. I took my truck to XXXX XXXX XXXX XXXXXXXX XXXX and the next day he called and said that my truck transmission needed to be replaced the total amt charged was XXXX. He told me that I needed to take out loans to cover the cost for the transmission and labor to replace the transmission. The first loan that I took out was from West Creek Financial Inc. ( lease # XXXX ) in the amt. of XXXX. XXXX XXXX stated that amt. that West Creek Financial Inc. approved was not enough, so he then told me that I would have to take out other loans to equal the total amount owed. The money from the loan went to XXXX XXXX, I never received any of the money from the loan. He never told me that he would be the one collecting the loan money from the bank, and he also didn't not mention to me that the loan information would be reported to the credit bureaus. I was not aware. My truck stayed on XXXX XXXX XXXX XXXX XXXX lot until XXXX XXXX and was never touched and no repairs had been done. After XXXX XXXX received the total amt. needed to repair my truck, he still never purchased or replaced my transmission in my truck. I never heard from XXXX in months, so I went by XXXX XXXX XXXX XXXX XXXX to inform XXXX XXXX that I wanted to come and get my truck. He then told me that in order for him to release my truck to the wrecker service that I would have to pay him an additional XXXX on top of the XXXX from West Creek Financial Inc. that he received from the loan / banks for no work done to my truck at all. The transmission was never purchased or replaced in my truck, my truck had never been touched.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX HAS FAILED TO PROVIDE ME WITH THE ORIGINAL INSTRUMENT OF INDEPTEDNESS IN ITS ORIGINAL FORM. IT IS REPORTING TO ALL CREDIT REPORTING AGENCIES FALSELY. I HAVE ASKED XXXX ON SEVERAL OCCASIONS TO PROVIDE THE PROPER DOCUMENTS. HOWEVER THEY FAILED TO DO SO. THEY ARE IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT AND THEY ARE ALSO IN VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT. IT IS CLEAR THAT THIS DEBT IS NOT MINE, AND IT HAS PREVENTED ME FROM OBTAINING 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
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01
Company: CITIBANK, N.A.
State: AZ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We have a dispute BOTH with XXXX XXXX XXXX, as well as with Citi Card XXXX Citi ) in XXXX XXXX XXXX XXXX. I intend to file a separate complaint with XXXX over its rental of a dangerous electric vehicle which died in traffic. 

I have disputed XXXX 's charges with Citi. Citi 's ' automated system apparently only accepts disputes involving purchases of GOODS! voulminous information I have sent to its XXXX XXXX headquarters ( as requested by it, have produced the following response : " We are unable to assist you with this dispute as the documentation that you provided is an estimate. It is not the actual sales RECEIPT for this PURCHASE. '' [ emphasis added ]. 

XXXX gave us NO receipt. upon return of the vehicle we subsequently rented. It later send a copy of the original contract which I submitted to Citi. Note -- this was a service, not conventional purchase of a product. Since XXXX has nver sent me an actual bill for the claimed rental cost, Is the only way for me to get a " receipt '' to pay the disputed amount charged to XXXX 's credit card and then submit a cancelled check ''?

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 2023-09-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit reporting bureaus are responsible for reporting accurate information in credit profiles. I am attaching documentation and asking that the credit bureaus update my credit report and delete inaccurate information. Thank you, God bless!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Hi there. I have a prepaid American Express business gift card. It's worked fine until recently when it keeps getting declined from online stores ( I'm guessing due to increased fraud detection ). Now, I can't use my remaining balance on my gift card. What should I do?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13
Company: Atlanticus Services Corporation
State: FL
Product: Credit reporting 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:
There are 2 hard credit hits on my credit report that I did not do. I want them to remove the hard hits to my credit. One of the company is Aspire and the other is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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:
In accordance with FCRA and Section 428F ( a ) ( 1 ) ( A ) of HEA of 1965 amended by HEOA of 2008 that requires the holder of the loan : must request any consumer reporting agency to which the guaranty agency or holder had reported the default of the loan to remove the record of default from the borrowers credit history. THIS CREDIT REPORTING AGENCY has violated my consumer rights pursuant to 15 U.S. Code 1692g - Validation of debts ;

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 2020-12-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I filed a dispute at my bank Chase for a transaction I made for the amount of {$550.00} but turned out the recipient is a fraud. Chase denied me protection automatically and did not even investigate my case.

Company response to consumer: Closed with explanation