BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-21
Company: Navient Solutions, LLC.
State: IL
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:
{$39000.00} in consolidated loans effective XXXX. Fixed rate 7.625 %. Repayment started XXXX XXXX at approximately {$250.00} per month, will end in XXXX @ {$880.00} per month. Majority of all payments through first 6 years were applied to interest only. Application of payments to principal & interest inconsistent for entire repayment period. Total payments to date exceed {$64000.00}. {$44000.00} has been applied to interest, {$20000.00} applied to principal. Remaining principal balance is XXXX {$22000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Resurgent Capital Services L.P.
State: FL
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 have requested at least 5 times verification and validation and I have not received proper info. They have sent my account to XXXX different companies and when I request verification, they send it back to original company ( Resurgent ). I believe they are playing with me and have violated my rights under, 15 U.S Code 1692b ( 5 ) 15 U.S code 1692c 15 U.S code 1692c ( a ) 15 U. S Code 1692d 16 U.S Code 1681 section 602 A They keep sending me the same copy of an statement from XXXX XXXX that does not prove anything. I have no contract with this company and therefore no obligation to pay this alleged debt. They can not send me the verification XXXX  validation papers because they do not have it. Please advise. I want this company to close and remove this account from my credit reports as it is hurting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Purchased 2 x R/T tickets trans- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA ) XX/XX/XXXX for {$4400.00} for a trip in XXXX of XXXX Norwegian canceled my flight on XX/XX/XXXX -- and suspended virtually all transatlantic flights at that time. 
In lieu of a cash refund I accepted flight credit ( cash points ) with NA anticipating that they would continue to fly trans-Atlantic On XX/XX/XXXX, XXXX XXXX filed for bankruptcy protection and suspended its flight credit program indefinitely ( Breaking the deal I accepted ). 
Services Not Received as XXXX XXXX did not supply the agreed flights or will supply the flights in the future. 
I have contacted NA trying to resolve the issue however, they are stead fast in abiding by their policy that I accepted a refund in terms of cash points. I have explained to them that I will never be able to use them because they have discontinued all trans-Atlantic flights. I even asked if they could transfer my points to another carrier and they declined. 
I filed a dispute with CaptialOne but, CapitalOne does not support my claim saying that I had accepted the merchants refund and there is nothing they can do. 
The Fair Credit Billing Act allows credit card users to dispute charges when a merchant does not provide the service as agreed. The agreement with XXXX was transportation from the USA to Europe which I paid for and the airline was unable to provide and will not be able to provide in the future due to their new business model of becoming a regional carrier only. The next agreement was a flight credit for transportation from the XXXX to Europe. I accepted that agreement and then XXXX revoked the deal. XXXX has given me nothing in return for my {$4400.00} and CapitalOne has not protected me from this lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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: Account information incorrect

Complaint:
I sent the credit Bureaus letter asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report are still showing inaccuracies. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Loan Number XXXX Case Number XXXX XXXX Regulatory Case ID : XXXX PHH Mortgage Services Escalations Department XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is in response to a recent communication from XXXX XXXX XXXX dated XXXX XXXX XXXX, received XX/XX/, in regard to my request for a yearly tabulation of the rearranges. I have attached a response from PHH clearly stating my request and letter requesting additional time to provide me the information we requested. On XXXX XXXX XXXX I received a letter dated XXXX XXXX XXXX  that once again did not address my concerns. I have attached in a PDF communication from PHH stating my request and requesting additional time in order to provide me answers to my request along with the final letter I received XX/XX/, dated XX/XX/2023. The letter dated XX/XX/2023, received XX/XX/2023, did not address my request at all. 
In closing, our property has been posted for foreclosure. The information we ask for seems like it would have been the same information needed to create a trial modification. Understanding our payment after the trial period would be critical to know. As I stated initially, this process has been inconsistent with irregularities to say the least. We scheduled several appointments with our Escalations Manager to no avail and her replacements for the appointments had little or no information to provide and even less resources. 
The entire balance is being charged with no concessions, nor did we request any. We think it is only fair to know what is in the contract. We should have an opportunity to consider everything and sign on knowing what our commitment will be. 
Genuinely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I am using Wells Fargo as my primary bank account. On XXXX XXXX, 2015, someone has been using my card without my permission ( Unauthorized transaction ). My card were not stolen ( I had my card with me ). The unauthorized transaction was being made at XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX XXXX ), XXXX XXXX ( XXXX XXXX ), XXXX XXXX ( XXXX 's ), XXXX XXXX ( XXXX ), and etc,. XXXX transaction with the same amount of {$36.00} were made in XXXX ( total of {$73.00} ), XXXX transaction of exactly {$100.00} was made in XXXX, XXXX transaction of exactly {$200.00} was made in XXXX XXXX ( Total of {$600.00} ), XXXX transaction of {$2600.00} was made in XXXX 's and XXXX transaction of XXXX was made in XXXX. I was in XXXX XXXX with my wife on the same night ( As a proof, I made some transaction inside the city of XXXX XXXX ). All the transaction made within XXXX XXXX were done by me and my wife, but other transaction made outside the XXXX XXXX, such as XXXX XXXX and XXXX XXXX, were not me or others with my permission. Also, I was within the XXXX area, so every transaction I made was inside the XXXX of XXXX XXXX ( such as XXXX, XXXX XXXX and XXXX was used by me ). I filed my claim to Wells Fargo, and they gave me a temporarily credit of {$3400.00} on XXXX XXXX, 2015. But, I just received a mail saying that my claim is closed and they deducted the temporarily credit of {$3400.00} from my account. On the letter, it said, they have completed their research of my inquiry about charges to my account. Based on the information available to them ( Wells Fargo ), they found the charges were made by me or someone who had my permission. I do n't know what exactly happened because I had my card with me, and the only people who knows my pin number is my wife and I. But my wife is always with me 24hours a day, and she was with me on that day too. Also, it 's funny because I have never been to XXXX, XXXX, XXXX XXXX, XXXX 's, XXXX XXXX or XXXX XXXX before. How can I make a transaction in a place I have never been to? Please help me find my money back. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-26
Company: The Receivable Management Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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 2022-05-22
Company: Carvana Group, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
Hey you guys legal team told me that Carvanas business operations are compliant with applicable local, state, and federal laws and regulations. So whats up with you guys asking for cash down Im entering a consumer credit transaction because if its having a finance charge that means I have entered in a credit transaction and the finance charge is the sum of all charges, payable directly or indirectly by the consumer to whom the credit is and extended, and imposed directly or indirectly by the creditor as a incident to the extension of credit Which are ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system of additional charges. 
( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss And when I was trying to ask what type of transaction am i entering into she said I can find out on the website I said I dont see the finance charge and I dont believe I will see my terms for the extension of my consumer credit she said yeah you can I dont have to tell you because its on the app and on the website and when I went to both locations it failed to describe the nature of the transaction Im entering or what my finance charge is so I informed her without the informed use of credit that hurts our nation and she said is there anything else to help you with I told you where to find the disclosures and this is after you guys stated there where no wrongdoing and yall havent received the documents in the mail which was a purchase order : a document authorizing a seller to deliver goods with payment to be made later. That doesnt say anything about up front not to mention you guys act that wasnt a binding agreement but if you can look on page 3 of the purchase order it says in bold the following : Buyer acknowledges receipt copy of this Agreement. No oral agreements or understanding apply. This Agreement is not binding until accepted by an authorized representative of Carvana which seems to show XXXX XXXX and who position is Vice President CARVANA XXXX XXXXXXXX XXXX and thru all your actions has caused nothing but harm and distress to my life and I feel I have exhausted all my options and have no choice to give you proper notice of a possible claim against your Texas XXXX XXXX XXXX which protect me from malpractice and fraud by extending credit to the dealership whereby the principal, the dealer, is required to pay out on any claims. 

And if we can resolve this matter please contact me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America has blocked access to an XXXX XXXX Account by claiming the have issue with computer systems regarding debit cards. But they want me to pay out of pocket and request reimbursement, but that not acceptable. This money was for my health purposes and should be available to me the consumer who invested in their services and now I cant access the funds I deposited. They provided no time as to when the issue would be resolved. Also, all of my information was updated but they have information on my account that I did not provide such as old drivers license from another state. Something fraudulent is happening with my accounts.

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 2022-05-22
Company: WorldRemit Corp.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
WORLDREMIT is the merchant 's name this merchant wiretransferred money using my debit cards and credit cards in XXXX. 
I have reported this to XXXX XXXX and got my cards replaced after a XXXX, WORLDREMIT charged me again for the wire transfer on my debit cards and credit cards ( XX/XX/XXXX ) I have never used WORLDREMIT to send any money nor have account with this merchant. 
It is highly suspicious how they are able to trigger transaction again after my card number for debit and credit cards are changed. 
I tried to contact WORLDREMIT numerous times, however, my call was dropped by them every single time I was trying to contact their customer service. 
Therefore here I am reporting for their business for fraudulent activities

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I HAVE DISPUTED WITH 3 BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX. I DO NOT RECOGNIZE THESE INQUIRES AND 3 BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.

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 2017-11-25
Company: UBS BANK USA
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
UBS disbursed a check to me from my deposit account, this check was stolen before it was delivered to me. I am seeking to get the money that UBS was supposed to disburse to me. 

* XX/XX/XXXXA check from UBS was disbursed to me on XX/XX/2017 by mail for XXXX from the money in my deposit account. 

* XX/XX/XXXX The check was not received during this time. I started my inquiry with UBS on XX/XX/XXXX, several phone calls happened. It was reported to me that the check had been cashed at XXXX XXXX XXXX ( I do not bank at that institution ) and a copy of the cashed check was mailed to me. 

* XX/XX/XXXX OnXX/XX/XXXX XXXX XXXX Control Officer UBS Equity Plan Advisory Services mailed me a list of instructions to start the investigation. I complied and returned the requested notarized affidavit along with the official police report. Via certified mail I confirmed the delivery of the required documents happened XX/XX/2017. I was instructed to wait 100 days.
* XX/XX/XXXX I was informed by a UBS representative that the investigation being conducted by XXXX XXXX XXXX XXXX was not complete, and that XXXX XXXX XXXX XXXX was requesting an additional period for investigation. I have been informed that nothing can happen until the investigation in completed, and I have not received confirmation that the investigation by XXXX XXXX XXXX XXXX has began.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: NAVY FEDERAL CREDIT UNION
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 XXXX  - Navy Federal Account # XXXX, has violated my rights. Charged off in the amount of {$13000.00}. 
Date Opened Date Reported Closed Date XX/XX/XXXX XX/XX/XXXX XX/XX/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 a account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: World Acceptance Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I was off work due to an illness and I spoke with a lady about making payments and she told me it had to be paid in full. I thought I had insurance to cover when I wasn't working. Also, they reported a bad debt to credit bureau when they could've just contacted me to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX  XXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX  XXXX XXXX Balance XXXX : XXXX XXXXXXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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 the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These inaccuracies on my credit report are stopping me from getting approved for an apartment, a new car and starting a business. In addition to violating my consumer rights, these accounts are reported inaccurately.

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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My information was involved in a data breach. Resulting in multiple inquiries from the same financial institution multiple times at different dates! 

XXXX XXXX XXXX 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