BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-10
Company: Account Recovery Specialists, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is not a refusal to pay, but a notice that your claim is disputed. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note the enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX, XXXX, XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. 

Please be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 

I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on XXXX HIPAA violations and XXXX XXXX, State, XXXX Federal authorities, the CFPB, BBB and XXXX Bar XXXX for violations of the FDCPA, FCRA, and Federal and XXXX XXXX XXXX illegal collection activities on any account that XXXX be time-barred as well as in violation of Kansas XXXX privacy rules XXXX 

I also hereby reserve my right to take private civil action against you to recover damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company is reporting inaccurate information to the credit bureaus and I would like this addressed immediately. This issue is causing significant issues in my life. 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 2021-03-19
Company: Paypal Holdings, Inc
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi CFPB Team My concern on my Paypal account that was on hold to permanently not using Paypal service and holding my small fund for 180 days I have register as Paypal user due to I want to start my freelance job in online. It wasn't easy to find one since I was employed but due to this pandemic I lost my job and decided to pursue searching for my next bread and butter online. Which most of them requires paypal for payment of service rendered. 
I thought it was going smoothly that I was willing to wait for the 21 days verification holding policy, since its first time to use account. But upon submission of the required documents they asked my account was limited and can no longer do business with Paypal. 
My first transaction was XX/XX/XXXX and another on the XXXX. I was waiting for the 21 holding period before I want to regularly continue working to earn and received payment on my payapl. 
Please help me on this concern. I need the account as well as the fund in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXXXXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
XX/XX/XXXX I purchased four gold chains that were sold to me as solid 14kt gold for a total of {$6500.00} XX/XX/XXXX I contacted my credit card Capital One to inform them that the gold chains were not gold, that they were fake. Capital One credited my account {$6500.00} XX/XX/XXXX Capital One reversed the credit of {$6500.00} to the merchant. 
XX/XX/XXXX I submitted all my documents to Capital One. Documents included receipt from jewelry, pictures, my statement letter, and proof that the jewelry is fake. 
XX/XX/XXXX I also submitted per Capital One 's request a formal 2nd opinion letter from the Jewelry store that tested the four chains that proved that they are fake. Since this dispute was opened XX/XX/XXXX Capital One has done a horrible job at fighting my case. Every time I contacted Capital One regarding my case no one seemed like they knew what was happening. Capital One denied my dispute for a loss. There is more then enough evidence to support my case. I was scammed for {$6500.00} and Capital One did nothing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Dovenmuehle Mortgage, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a new development on existing case number XXXX Submitted to the CFPB on XX/XX/2020. As per the attached .pdf, dated XX/XX/2020, you can determine this company granted me a deferral. On XX/XX/2020, their representative XXXX, stated that she " anticipated '' me receiving the deferral docs for me to sign and once and for all, lift this forbearance, in 2 weeks, via first class mail. That should have arrived yesterday, XX/XX/2020 and did not. In order for me to refinance, which is in progress, this forbearance needs to be resolved asap. Today, XX/XX/2020, I once again spoke with one of their company representatives, named XXXX. I asked her when I could expect this document to arrive, she answered " I don't know ''. then redacted, now stating 30 days, opposed to the anticipated two weeks, stated by her co-worker XXXX. 

This morning I logged into their website to make this month 's mortgage payment, as I have done for years, even during this period of forbearance ( this is documented ), and unbeknownst to me, my loan is now not eligible for online payments. Nobody from this company informed me of this change to my payment capabilities and payment is due today. this is just another in a long list of irresponsible, potentially hurtful actions by this company. There should be some sort of accountability, but they just don't seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have inquiries on my credit file that are not mine. I have not applied for anything. I have contacted TransUnion to advise that these are not my inquiries they have ignored what I have requested I would like for these increase to be removed permanently and 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 non-monetary relief
Consumer complaint received 2021-10-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Hi On XX/XX/2021. I faxed HSBC for a Lien Release on 2 of my vehicles. Which I have attached the titles of. I still have not received and email or call about these vehicles. I then again sent a fax a few days later. Still nothing. I then called a local branch of HSBC. And was told that was the correct way to request a lien release or to email XXXX. So I did that. Still nothing. I am in the processes of selling our business and need these lien releases yesterday!!! Please Help! 
Sincerely. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
There are a few accounts on my repost I do not recognize

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 2019-06-29
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX  bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have attached relevant documents regarding my motions for poor person status and appointment of counsel and motion for a stay of the foreclosure judgment and report of judicial misconduct, the two replies and a subsequent letter to New York State 's mid-level appellate court, The Appellate Division of the Third Department. From reading these documents and some of the exhibits attached, I think the CFPB should see the merit of my appeal and how Key Bank 's legal arguments through its attorney-for-plaintiff, XXXX XXXX, XXXX. of XXXX, XXXX, XXXX XXXX XXXX, XXXX are not consistent with federal bank regulation, New York State statute and New York State Court of Appeals precedent. 

I have sent a copy of this complaint to Key Bank CEO XXXX XXXX and SVP and Manager of Credit Collections and designated CFPB regulation compliance officer XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On.XX/XX/XXXX I sold a car to an individual. They wanted proof of purchase so she asked to meet at Chase Bank to get a Cashier check. She went inside bought check and gave it to me. I then went in to cash it they said I need to deposit it ( I wanted cash ) so u tried to mobile deposit thinking I would have access to the funds immediately, and it said I would have to wait 1-2 days so I then went back into the bank and told them what I did. They assured me that the check was canceled and that I could deposit it with them and have access to the funds XX/XX/XXXX. I have yet to receive the check. They are telling me to contact the person that gave me the check, which I did. They are still sending me in circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have unsettled bills back in XXXX  and XXXX  which bills were too old to collect for hospital bills. These collection bills are old bills. They purposely lied and deformation of my character. Violated my right. I have disputed these charges and they will remove them and repost them. The credit bureau helps them by purposely putting false informations. These debts were supposedly old debts with XXXX in XXXX XXXX or XXXX in XXXX Fl dating back from XXXX XXXX XXXX and which my XXXX insurance has no recollection of any claimed debts. Based on the Statute of Limitations in Florida for Debt The statute of limitations for debt in Florida is usually five years. A creditor has five years to sue you for the money you owe. This is because most debts are based on written agreements and the statute of limitations period for contract actions is generally five years. 

americollect Balance {$150.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX Opened XXXX Reported Open Condition americollect Balance {$53.00} Original Creditor : XXXX XXXX XXXX COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$120.00} Original Creditor : XXXX XXXX XXXX XXXX  XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$53.00} Original Creditor : XXXX XXXX XXXX XXXX  XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$100.00} Original Creditor : XXXX XXXX XXXX COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$470.00} Original Creditor : XXXX XXXX XXXXp XXXX  XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$97.00} Original Creditor : XXXX XXXX XXXX XXXX  XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$53.00} Original Creditor : XXXX XXXX XXXX  XXXX  XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$97.00} Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX Act. # XXXX Opened XXXX Reported Open Condition

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
This is my second complaint. Nelnet responded and I got a letter stating my application was approved on XX/XX/XXXX. 5 days later my account was put back in forbearance and my payments increase to what they were before I was approved. I called and no one could give me any answers. They asked me to pay {$5.00} to change plans but I already paid that over a month ago. They filled out a form but I dont understand why I was approved and have a letter that is as approved, my payments changed and then a couple days later went back to what it was. And theyre asking me to pay {$5.00} that I have record and their representative says they have record I have already paid. This is the most ridiculous thing Ive ever gone through. I am so frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: EQUIFAX, 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 the Fair Credit Reporting Act the following accounts violated my rights : U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX XXXX* US DEPARTMENT OF EDUCATION XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX US DEPT OF EDUCATION XXXX XXXX XXXX DEPT OF ED/XXXX  XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX  XXXX XXXX DEPT OF ED/XXXX xXXXX XXXX DEPT OF ED/XXXX XXXXXXXX XXXX 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. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I deposited {$1000.00} into my checking account on XX/XX/XXXX, I then made a check payment for {$1100.00} on XX/XX/XXXX. My checking account reflects the {$1000.00} deposit CREDITED on XX/XX/XXXX which SHOULD HAVE COVERED the check, ALL SAME DAY XX/XX/XXXX. I called customer service on XX/XX/XXXX, they then said they refer to someone else. I spoke with a different customer service department XX/XX/XXXX. Bank states my account was overdrawn, which it was NOT as reflected on online banking DAILY balances. Bank is in error, the {$36.00} fee rightfully should be refunded. The deposited {$1000.00} would have covered everything ( in addition to current ending balance ) which again POSTED on XX/XX/XXXX. I have been with PNC for 30 years! You think alittle customer appreciation would of happened here. I should not have to be spending my time trying to rectify this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: NY
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:
Experian did not properly investigate my claim. I attempted to call Experian and their computer automated system is programmed to ONLY provide self-service options that the system can handle. They have a responsibility to take and answer phone calls from the consumer population. I have two accounts with XXXX on my credit file. I informed Experian they were being reported incorrectly and have been for years. XXXX properly investigated my claim and as a result deleted these items from my credit file. I provided Experian proof of this deletion. This account has been reporting a balanced owed, a monthly past due amount, and that is been charged off seven years ago. I filed a complaint with Experian and the only thing they updated was changing my balanced owed to XXXX. However in the account status notes is still reports monthly the total amount past due. This is incorrect. There is no past due amount. It was charged-off in XX/XX/2017. These accounts are set to drop from my credit file next month. Therefore I do not understand why Experian isn't properly processing my investigation request. Refusing to accept calls and continuing to report this incorrectly.

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 2021-07-29
Company: JPMORGAN CHASE & CO.
State: FL
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on credit reporting agencies.

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine.

3. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

4. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation