BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-04
Company: Sarma
State: TX
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 called the company and they could not find the account and said it was due to false information I told them are they sure wasnt my cousin who is known for this snd that is the reason Im under identity thief repair

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I filed a complaint in XX/XX/XXXX. In regard to my Credit Protection Disability Insurance Plan cancel by Capital One. 

I am writing to appeal the decision of my claim # XXXX, the date of service XX/XX/XXXX. This in regards to the Capital One cancel my plan. Capita One need to correct/ reinstate my protection plan. It was my understanding when I call to activate the Insurance Plan it was cancel by Capital One without my knowledge. Furthermore, due to my research Capital One decided, to start cancellation on their preexisting client in XX/XX/XXXX. I did not receive notification of any cancellation. Apparently, this need to be resolve and corrected. I respectfully ask you to reprocess my complaint to find a resolution regarding this matter. 

Secondly, I did receive a reply for Capital One, in XX/XX/XXXX, they did not address the issues in regards to my Protection Plan being cancel. Only to stated that they found all charges on my Credit Card to be correct. My complaint was not related to charges made. My complaint was due to cancellation of my Credit Card Disability Plan Insurance. I needed to activate plan, due to my unexpected Medical Health Issues that cause me to be terminated. Thank your for your reconsideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Southwest Credit Systems continues its attempts to collect a debt that I have disputed multiple times with them and 9 other collection agencies representing t-mobile before them. 

I was never mailed a notice that they were attempting to collect a debt from me. I first saw this on my credit report and immediately filed a written dispute notice with their company. 

The second time it was disputed when they called me and violated the written request for a do not call order and to have all communications in writing. 

I sent a third request through credit agencies XXXX months ago and have not received a response but they are still actively pursuing a false debt!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
In XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX I XXXX XXXX via written communication to Portfolio Recovery Associates LLC regarding three accounts that were opened in my name without my authorization. I an an Honorably discharges XXXX XXXX XXXX, and I was homeless for 4 years during the time that these accounts were opened. I have been contacting Portfolio Recovery Associates LLC to show me proof that I opened these accounts, but to no avail.They also have not seen fit to remove these accounts from my credit report. This has resulted in extreme difficulty for me to get back on my feet and also to obtain the resources necessary to take care of my XXXX children. 

Portfolio Recovery Associates LLC are aware and have made me aware that the statute of limitations on the accounts have expired, Portfolio Recovery Associates LLC have not made any attempts to remove these items from my credit report. 

The accounts in question are as follows : XXXX XXXX XXXX ( XXXX ) XXXX. amount of {$2200.00} XXXX XXXXXXXX XXXX ( XXXX ) XXXX. amount of {$5100.00} XXXX XXXX amount of {$3500.00} I have never had any issues with my credit and I have traveled the world with the XXXX XXXX for over 10 years with no issues regarding such. I pray that The CFPB can assist me in getting this matter resolved without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was a victim of ID theft someone has used my my name and information to file taxes and open up accounts for credit in my name. I am in the process of fixing the mess caused by this fraudulent activities. There is a ton of addresses and numbers that are not mine that I need removed. MyLegal name is XXXX XXXX XXXX ( Not XXXX ) DOB XXXX SS XXXX my current and only address XXXX XXXX XXXX XXXX, XXXX, OH XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX , OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX, my husband and I applied for a mortgage loan through Navy federal. After submitted the application, the following day I called to check the status. The agents advised me that is a long wait right now and she will try to get the person that are handling our applications to call us. Later that day I saw our application statuss changed from processing to sent to underwriting. Then it change again from underwriting to denied. I called to understand why! They advised me someone will reach out to me. Two day I received a call from someone who stated I was denied because we have delinquent and judgement on our account. I try to explain to her that I have paperwork showings its an error and we have identity fraud occurs on my husband account. They didnt care. Our credit payment history stated we pay on time 98 % this is the second time Navy Federal denied us for the same thing. We tried to increase our credit card and the only increase but {$300.00}. We email them asking why they didnt pull our credit report. they said because they didnt need to. We requested them to pull our report and mins later we was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX On XX/XX/XXXX the following items were sent to XXXX : 1 ) XXXX XXXX XXXX  ) XXXX  3 ) Utility Bills 4 ) Taxes XXXX XXXX ) Annuity Income Statement. ( All attached here. ) They were sent via 4 separate ways : two fax numbers XXXX XXXX & XXXX ) and to two separate email addresses which included the assigned negotiator ( XXXX XXXX XXXX ). 


XXXX and its employees never attached the documents to the file. We have called multiple times and had it escalated XXXX multiple times ) to be attached immediately, but AFTER THREE WEEKS XXXX STILL HAS DONE NOTHING ON THIS FILE. 


This is not acceptable. XXXX is violating their servicing guidelines and this is causing harm to their investor and the borrower. I want the documents attached to the file immediately and for XXXX to continue their review with no further delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Paramount Capital Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A consumer credit transaction was initiated with XXXX XXXX in 2021 with this debt collector, and they have published deceptive forms to make me believe I owe a debt, along with illegally reporting to my consumer credit report that I gave no written consent for. I have gotten repeated harassing phone calls and text messages, about this alleged debt and it has impacted my life and business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Experian Information Solutions Inc.
State: IN
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 XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.

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 2019-03-20
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX the XXXX my son XXXX XXXX sent me XXXX dollar through XXXX. XXXX initially said the funds would be available on the 3rd day. On the 3rd day XXXX sent me an email and said that there was a problem with the transaction and that I needed to send them a copy of my ID. After they received a copy of my ID I received an email that said that my account had been permanently XXXX. They said the money would be returned to my son. However the money was never returned to my son account. XXXX has refused to give me any information since they said my account has been XXXX. When my son calls they say that he can't speak to anyone and has to send an email and it will be returned in 24 hours. They have yet to respond. When I go on their XXXX  page it shows that this has happened to multiple people and they haven't returned the money. All the while they refuse to give any reason for not completing the transaction or while my account was XXXX. I have NO criminal record. It seems to me that XXXX is allowing large transaction to go through and then don't complete the transaction and keeps the individuals money or at the very least hold on to it for months. They are hiding behind Privacy policy so they don't have to give explanation for taking the money and refuse to respond to people .I do feel that it is a scam they are using

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Selene Holdings LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied with Selene Finance for a covid-19 forbearance, after the forbearance was up I went ahead and applied for a loan modification, I submitted all documents through emails. i have sent all the required documents, every time I called for an update Selene finance request the same documents that sent less than a week ago, they get confused with my loan number they even call me a different name, looks like they are in a different file asking me for the same documents I have sent. this is very frustrating because i have proof of email been sent to Selene. they are very upset they sound like they don't want to help me at all. every time i tried to explain that the documents were sent they fight with me over the phone inserted of searching for the document. my intentions are to keep my property is the only one i have, Selene finance is doing its best to not help, by ignoring my emails and phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied for a credit card and was denied by the credit card company telling me that my Chapter XXXX Bankruptcy what was DISCHARGED in XX/XX/2019 was showing by EXPERIAN that it was NOT discharged, so they denied me based on this information which took a hard credit inquiry as well on my credit file. 
XXXX XXXX and XXXX are showing it DISCHARGED, so l am not sure why Experian is not reporting the same thing which is on court records. 
I need Experiian to CORRECT this and send me a full credit report of my credit file by postal mail to my home address after they correct this information. 
I have tried to call them on there toll free number and you can not get no where to speak to someone live to discuss this, why do they make talking to someone so so difficult can not understand this practice. 

I ask your agency help in resolving this. 

Thank You

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 2020-05-09
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am writing to formally contest the unfair determination, denying my multiple applications for the Public Service Student Loan Forgiveness Program program. I have worked in public service continuously for my entire career and have been paying on my student loans since XXXX. I was denied this last time due to an issue that could be rectified immediately with a public EIN search. There are extensive notes and annotations on my account explaining the situation that I have been put through by this incredibly poorly managed federal program. 

When I submitted the initial application in XXXX, my application was denied and I was also denied the Temporary Public Service Student Loan Forgiveness Program because my payments were not considered qualifying. I was put in an appropriate payment plan, which I was told that if I paid for an entire year, I would be eligible again once that year was up. I submitted my forms again at the conclusion of the qualifying payment term and my current application, which is perfectly acceptable, has now been denied repeatedly for completely unfounded reasons. 

The most recent denial has happened after spending hours on the phone with representatives and following all explicit instructions on how to fix the issue. I was told that I needed to submit an explanation why the EIN from my employer is different on the form submitted in XXXX, which I did in writing via the website. I qualify for this program and yet have been repeatedly denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
{$2500.00} was sent using XXXX on XX/XX/2021, that money is still pending in my account today, XX/XX/2021 and my account is now showing $ XXXX with 36 pending transactions. I was told by BOA that sometimes it does this if it is not the same bank however the very next day the same exact person sent me {$250.00} and it was immediate!! XXXX says the issue is not on their end, it is 100 % Bank of America. I need my money released so that my account is not negative. It appears they are purposely holding my money to charge overdraft fees.

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 2021-08-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I entered an agreement with XXXX XXXX XXXX to pay off XXXX XXXX XXXX XXXX. According to XXXX my balance is XXXX According to Experian I owe XXXX. I have disputed this twice, the second time sending them the letter where XXXX excepted my payoff through XXXX XXXX XXXX. As of XX/XX/2021 Experian still reports I owe XXXX. What can I 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 2019-01-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX got the loan before me getting XXXX for 7 years o have sent award letters and or off I'm XXXX and it still is on my credit report I followed every thing to a T! And still get calls to repay I sent everything they wanted for my XXXX why is it still listed I don't get much every no from XXXX  I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been dealing with XXXX XXXX for several months now on this issue of early termination fee. I originally had a balance of {$360.00} with them in XXXX of which I paid XXXX to in XXXX. On XX/XX/XXXX I made a payment of {$100.00} and again they said that was fine and no we will not send to collections due to the COVID and they were told it should be paid off at the end of the month of XXXX if not sooner since I am working again. They sent my debt to collections even after 2 managers and a fraud specialist reassured me they would not. The day they sent it to collections according to XXXX  was XX/XX/XXXX. The debt reported was XXXX in which that is also false. It is only {$200.00}. Please can you help me with how I should proceed. The company has deceived me entirely on this matter and was less then helpful. When I call the collection company nobody answers. 
CONVERGENT OUTSOURCING ( 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 explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My equifax credit score is not accurate and equifax has violated my consumer rights. Title 15, ch. 41 and ch. 94 sub chapter 1 & 2. 
15 USC 1681a3 and 1681a4 Equifax did not exercise their grave responsibility. You were unfair, you were partial. Equifax did not respect my right to privacy. 
I never instructed Equifax to furnish this report. Nor did I give Equifax consent or to create this report in the first place. Equifax never had permissible purpose from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NH
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 attached documents relevant to this matter. The complaints are against Portfolio Recovery & Associates and XXXX XXXX XXXX. They have both failed to remove false reports attributed to me. I made a voice recording of my last call with Portfolio Recovery in which the company explicitly admits they have wrongfully listed an 11-year old charged off account as open and recently opened on XXXX XXXX, 2021. The agent consented to the recording. Here is a link to its download. 

XXXX XXXX XXXXXXXX Furthermore, XXXX XXXX XXXX has refused to provide me with any documentation or even so much as account number that would corroborate its claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: John C. Heath, Attorney at Law, PLLC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
The XXXX XXXX XXXX  does not give me my refund and they did not resolve my issue as of today .they sold lies to me, They charged me based of misleading information given by their agent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
Syncrony Bank set a disproportionally high monthly payment on the balance on my CareCredit card, and refused to reduce it to normal.

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