BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-19
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am currently being harassed by Navient. I have been going back and forth with them for years with no luck. They will not reduce my payment to a reasonable amount, and even when I do make payments they do not affect my account. They call me 6-10 times a day and just actually contacted my employer, which I did not think was legal because these are private and not federal loans. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Paypal Holdings, Inc
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I received a notification from PayPal with a receipt of {$1000.00} from XXXX on my account. I already had my XXXX account locked at this time due to suspicious activity, so I knew this was a fraudulent transaction. I immediately contacted PayPal through their live chat option with the information about the fraud. I was advised to file an unauthorized transaction case, and did so that same day. On XX/XX/XXXX, I received an email from PayPal saying my case was denied. I logged into PayPal for more details, and to my shock they had allowed six more transactions to go through from the same merchant. I then called PayPal to find out why this was still happening after I had alerted them of the fraud. I was told to appeal the decision and upload any proof I might have to help my case. I filed my appeal with screenshots of me being locked out of XXXX during the time of the transactions, and in less than 10 minutes, it was denied again by PayPals computer system. I was forced to contact my credit union that is connected to my PayPal account and instruct them to not allow any transactions through until I could get my account secured. From the PayPal website, PayPal defines an unauthorized transaction as an Unauthorized Transaction occurs when money is sent from your PayPal account that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to access your PayPal account, and sends a payment from your PayPal account, an Unauthorized Transaction has occurred. This is exactly what happened to me and I have become a victim of computer fraud. PayPal has now sent my account to their collections department and offered to settle for a reduced amount. I contacted the office of the Minnesota Attorney General, and they suggested that I file a complaint with the XXXX XXXX XXXX. I would greatly appreciate any help in fighting these charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There is a fraudulent credit card listed under my name with Chase Bank/JP Morgan This account is COMPLETELY fraudulent and I never opened nor applied for it. I have also NEVER lived at the address linked to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
the companies name is Professional Debt Mediation , Inc . Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ive told them several times i had nothing to do with these charges someone used my identity and got an apartment in my name and ive said this several times ive called them in XX/XX/XXXX, sXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. that was the last time we spoke and they threatened me by saying they will take me to court when i was never responsible for the charges. all i want is for the debt to be removed/deleted from my credit report. its affected me getting a home for several years now ive disputed it several times as well. its almost 7 years old and its ruining my life. i would just like for it to be removed/deleted from my report. they also report it every single month to affect my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Professional Receivables Network
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12
Company: Bread Financial Holdings, Inc.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/21 - Noticed restriction placed on my Savings account after attempting to transfer funds out of account. Contacted customer service through chat. 

XX/XX/21 - received response advising me the account has been placed on temporary suspension due to potential security concerns. List of documents required to release hold. 

XX/XX/21 - called customer service and discussed requirements and confirmed documents can be sent through chat. Sent requested documents through chat. 

XX/XX/21 - requested status of my account hold XX/XX/21 - generic response received of currently reviewing documents. No timeline of when a response will be received. 



XX/XX/21 - requested status of my account hold XX/XX/21 - generic response received of currently reviewing documents. No timeline of when a response will be received. 

XX/XX/21 - Requested an ETA XX/XX/21 - received response " Send a follow-up message up to get a ETA for. '' XX/XX/21 - requested response for ETA XX/XX/21 - generic response received of currently reviewing documents. No timeline of when a response will be received. 

XX/XX/21 - requested updated XX/XX/21 - generic response received of currently reviewing documents. No timeline of when a response will be received. 

XX/XX/21 - send message that I will be filing a complaint with CFPB if specifics of timeline of resolution is not received by XX/XX/21 XX/XX/21 - generic response received of currently reviewing documents. No timeline of when a response will be received. 

XX/XX/21 - filed a complaint with CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX reported my account as charged off even if I paid my credit card every month. And I paid it off.

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 2018-04-10
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: Account status incorrect

Complaint:
XXXX XXXX XXXX reported my account as charged off even if I paid my credit card every month. And I paid it off.

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 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted paperwork regarding these accounts several months ago and they still appear on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have on several occasions disputed with the student loan company as well as the three major credit bureaus that they are reporting four of my student loans being 30,60,90 or 120 days past due and this is incorrect ... I have current and updated proof that these loans are reporting correctly in XXXX which is the information system that at least one of the major bureaus if not all three bureaus collect their information from

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 2018-04-10
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened up an account with Home Depot. Made a large purchase. Home Depot wrote my address wrong omitting the XXXX. I did not receive a bill for 2 months. When I did I paid it in full except the two late fees that they were to reverse. They never did and they never updated my address until 5 months later. By then my debt had increased due to late fees. I explained to Home Depot they said I owed them and sent me to XXXX XXXX. I explained to them what happened and at one point by looking at my statements they confirmed my incorrect address and that I just left a balance of two late fees but refuse to remove this from my 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 monetary relief
Consumer complaint received 2021-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Ridge & Valley Realty, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This Account Needs to be off My credit. I did not Authorize this Account I was a victim of identity Theft Attached is a police report stating what happen to my identity someone stole my laptop with all of my personal Information any many other Items which give them access to all of my personal Information

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 2020-08-24
Company: Kohn Law Firm S.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have more then one law firm contacting me for the same credit card, i have ended by paying two law firms for the same card i have cleared check numbers from bank statements for XXXX XXXX XXXX XXXX ( payments of XXXX ) along with signed documentation for payments with cleared debits from my bank account with a letter that states the debt was paid in full to the XXXX XXXX XXXX XXXX XXXX  for the law firm of XXXX XXXX XXXX ( payments of {$130.00} twice a month ) All three law firms have the same information about this account. Account number XXXX & the creditor being XXXX XXXX ( XXXX ) The third law firm Kohn Law has taken me to court three times first court day of XX/XX/XXXX. Which was the date of my finally payment to XXXX XXXX for the agreed amount of {$440.00}, the paid in full letter has case number & account number. 
All three Law Firms were & still are belittling, aggressive & demanding to a point of not knowing what to do ... ..The only reasoning i have for paying two Firms at the same time for the same card and the reason i will not pay the third! 
My personal information XXXX XXXX XXXX XXXX XXXX # XXXX XXXX il XXXX XXXX law firms in the fight of charged off debt XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX Kohn Law XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is an account from XXXX XXXX that was removed from my Transunion and XXXX credit file on XX/XX/XXXX due to identity theft. It was re-inserted back on my credit report as a collection which is a violation to the Fair Credit Reporting Act as of XX/XX/18. I am filing a complaint that this account has been reinserted on my credit report. I demand that this be removed permanently.

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 2018-10-10
Company: SYNCHRONY FINANCIAL
State: IL
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 client, XXXX XXXX is a victim of identity theft. She was notified of an application submitted to XXXX XXXX for a XXXX XXXX credit card without her consent. An inquiry was made into her XXXX, XXXX and XXXX credit reports XX/XX/2018. Also an application for a SYNCB/XXXX   account was submitted and an inquiry was made into her XXXX, XXXX  and XXXX credit reports XX/XX/2018. While no accounts were established the inquiries are still being reported to the credit bureaus. Official disputes of these activities were provided to each organization ( XXXX XXXX XX/XX/2018, SYNC/XXXX  XX/XX/2018 ) and as of this date, neither have provided an update as to the status of the investigation of these matters. This is a violation of FCRA and my client 's consumer rights.

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 2018-07-10
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX, ACCT XXXX IS FRAUDULENTLY APPEARING ON XXXX , EXPERIAN AND XXXX REPORTS. 

XXXX XXXX IS THE THIRD COLLECTOR IN A ROW FOR THE SAME XXXX DEBT, THE ORIGINAL CREDITOR. 
THE PREVIOUS TWO COLLECTORS XXXX XXXX AND XXXX XXXX   WERE DISPOSED OF PREVIOUSLY BY CFPB COMPLAINT AGAINST ALL 3 BUREAUS.I HAVE ATTACHED EXPERIANS CFPB COMPLAINTS BUT ALL 3 BUREAUS RECEIVED THE SAME COMPLAINT AT THE SAME TIME AND ALL 3 BUREAUS DELETED

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 2018-07-01
Company: Second Round Limited Partnership, Austin, TX Branch
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have sent in several complaints in regards to this same debt that has changed hands numerous times with incorrect information. The original debtor was XXXX changed to XXXX transferred to several other collection agencies now with Second Round LP. This was a XXXX 's XXXX, XXXX 's sold to XXXX XXXX. XXXX 's sent me defective merchandise and when their workers came to pick up, they left merchandise ( mattresses ) on the curb outside my apartment building in XXXX, which is against the law in XXXX. I contacted XXXX 's as I had to pay {$500.00} to immediately have removed myself, as well as issues with refund to my card due to their drivers not bringing back merchandise. Ultimately, XXXX 's corporate stated the matter was corrected and my account was current and I asked for it to be closed. Apparently, this was not communicated to XXXX later XXXX and once transferred collections started. I have repeatedly asked for itemized bills from all parties and no one will send out to me. I reported all my credit cards stolen in XX/XX/XXXX and sent police report to all my credit card companies etc, which is still being reflected on my credit reports by XXXX on other accounts. However, Second Round LP is not only reporting me as owing {$2400.00} but stated that I made a purchase in XX/XX/XXXX, when even Synchrony sent letter via CFPB stating that last purchase was XX/XX/XXXX. Also, Second Round LP is reporting on XXXX  that I made a payment in XX/XX/XXXX, which is absolutely false. I do not owe anything on this matter and I again ask for itemized bill so that I may determine what they are trying to state that I owe. Second Round LP stated that they do not have an itemized bill and I have to contact the store to obtain one. What store am I supposed to contact if I have no idea what the charges are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: BAM Management US Holdings Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I received an email from XXXX XXXX ( Senior Customer Service Specialist ) on XX/XX/XXXX, XXXX XXXX  ( Ticket XXXX ) ; stating an account review and withdrawals are disabled on my account. I referenced that I completed my KYC ( Know Your Customer ) when first creating my account. Never got a response on why my account was locked, but sent in the requested documents through an unencrypted email to their XXXX ( XXXX ) software, which seems like a HIPPA violation. The first email attached, was the last that I heard from XXXX or another employee from XXXX.US. During this time, I had another issue with an ACH deposit and created a ticket on XX/XX/XXXX, XXXX XXXX  ( Ticket XXXX ). 

After receiving no response on both tickets, I went to social media ( XXXX  and XXXX ) and posted my issues with their customer service. A customer service rep with the username XXXX escalated both tickets. The other email attached, is from the response I got from XXXX. They helped resolve ticket XXXX, and commented on my other ticket ( XXXX ) " As for your other ticket, I'll escalate this over to our onboarding department for further review. There's no reason for you to wait that long. Please hold tight. '' It is now XX/XX/XXXX ; a total of 3 months and 26 days of no responses, reasoning or resolution on ticket XXXX. My account is still locked under " Risk Management '', and around {$3200.00} is still locked on their exchange. I am at the point of being absolutely disgusted with this company/exchange on how they are doing this. I want my account unlocked, so I can move my funds over to other cryptocurrency wallets and I will never be using this exchange again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
My name is XXXX XXXX and I am a member of XXXX XXXX which I check my credit score for Transunion and XXXX.

I will make extra payments on my montages and students loans to have a good credit On XX/XX/XXXX ; I filed a bankruptcy and had some collations which all are removed from my credit because it pass 5 to 7 years period.

But anytime one of the accounts removed from my credit which is positive point, but Transunion give me negative point, and bring my score down.

For example ; onXX/XX/XXXX my score was XXXX and today XX/XX/XXXX, XXXX  after all negative point removed from my credit.

My email address is ; XXXX  My phone is XXXX  I need your help to resolved this problem Thank you in advance for any help

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 2020-09-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I haven't lived in XXXX XXXX in 5 years and when I talked to them on phone the debt was for 2 years ago. Now there is more debt on account and they were very rude from the beginning. They have multiple accounts where dates don't match. I have lived in XXXX since XX/XX/2015. Last time I talked to them was a couple of weeks ago and been about a year the time before that

Company response to consumer: Closed with explanation