BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-11
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
NAVIENT STUDENT LOAN DEBT. AS A STUDENT AT XXXX XXXX IN  XXXX FLORIDA. I DID NOT KNOW THAT A PRIVATE LOAN SHOULD NEVER BE AN OPTION, IF YOU COULD QUALIFY FOR A SUBSIDIZED OR NON-SUBSIZEDI LOAN. THEY REALY WERE UNINFORMATIVE OF THE RAMIFICATIONS THIS TYPE OF LOAN COULD PRESENT TO ME. THAT FORBEARANCE WAS REALLY NOT A HUGE OPTION WITH THESE TYPE OF LOANS. 

EVEN AS RECENT AT FRIDAY XX/XX/2019 EVEN THOUGH I HAVE TOLD THEM I DO NOT HAVE THE FUNDS TO PAY THAT HAVE INSISTED IN AN UNAFFORDABLE PAYMENT TO COME FROM ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: WELLS FARGO & COMPANY
State: TN
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:
My loan with Wells Fargo Dealer Services was paid in full in XX/XX/2016 ; however the company still has an active lien on my title. After nearly 3 years of having the loan paid in full, this should not be the case. After trying to contact the company through their customer care department and social media, my attempts to have this corrected have been unsuccessful. I need this issue to be rectified ASAP so that I may gain access to the title for my vehicle.

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 2018-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
capital one bank, XXXX XXXX XXXX, ut. took over my XXXX  credit card some time ago. i recently requested a line increase on XX/XX/XXXX. i applied online and also over the phone, but it was a robot and not a real person. subsequently they turned down my request and the reg b form say it was because " credit line increases are not available at this time upon request for this type of account. '' they invite me to go thru creditwise to help me with my problems. XXXX   shows me with a credit score of XXXX, and on-time payments of 100 %.

of course when i get to a real customer service representative they give me the runaround that i should check my credit score and delinquency and also end up saying that the computer makes the decision and they have no control over it.

i believe the reason to turn me down is in violation of reg b, and if the reason is true it means they havent raised the cr. limit on any credit cards which is hard to believe

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX XXXX XXXX Earn XXXX Bonus Points World OF XXXX XXXX Signature Credit Card APPLY NOWButton to apply for World OF XXXX XXXX Signature Credit Card. 
*Offer Details | Pricing & Terms {$95.00} annual feepricing and terms reference link Earn XXXX Bonus Points after you spend {$2000.00} on purchases within the first 3 months of account opening.offer details reference link* Plus, get a {$150.00} Statement Credit after your first purchase with the World of XXXX XXXX XXXX XXXX XXXX XXXX Price for stay and statement credit may post on separate statements. 




This Chase XXXX credit card is a likely scam. The card as promoted, above, is not available, but a XXXX point offer spending {$3000.00} with no statement credit is available. IT IS A CLASSIC BAIT AND SWITCH PLOY. And that is being kind. 

Both Chase branch personnel and only associates could not offer the XXXX promoted card, but offered a card with lesser value.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company is reporting inaccurate late payments. Each credit bureaus has different months being reported which is inaccurate and needs to be removed as the FCRA law requires. 

XXXX XXXX XXXX is showing that XX/XX/2017 is OK but XXXX is reporting that is was late. However these late payments are an error. 

USAA SAVINGS BANK Is reporting 60 day late payments for 4 consecutive months in 2017 which is inaccurate. How is that possible? Please remove these inaccurate payments. 

XXXX Has yet to provide any signed documents that this account belongs to me. No itemized bill is acceptable, but an actual signature is required by law. 



XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
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: Investigation took more than 30 days

Complaint:
ftc violation taking more than 30days on account that are not mine

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 2019-02-11
Company: EQUIFAX, INC.
State: PA
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:
For many years, Equifax has reported my birth year as XXXX. I have sent them proof of my correct birth year on three separate occasions with the most recent time being in XXXX. Each time I am able to get through to a live person, they state they do not have my information. In XXXX of XXXX, I sent them copies of my Drivers license, Social Security card and Passport. I have previously also sent copies of my birth certificate. It seems that these items get lost in the mail or never opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX, XXXX I attempted to purchase a round-trip set of airline tickets thru XXXX. I received emails shortly thereafter stating that my transactions had n't gone thru. 

However, the charges for the tickets were already pending on my card at this time. 

Given that I did not want the cost of tickets to hike up, I proceeded to purchase my tickets through an alternate service at that point. I emailed the customer service email address supplied by XXXX to request that that the charges not be attempted again, though they did not respond. I also called their customer service phone number and their agent tried to reassure me that the purchase of my flights actually had gone thru, despite the emails I received. 

The amounts of the charges were {$23.00}, {$170.00}, and {$170.00}. 

I made it clear to XXXX 's customer support via telephone *and* email that given the confusing emails I 'd received, I 'd already made alternate arrangements. 

XXXX falsified documentation in the fraud claim I made to my bank and my bank has apparently sided with them in this case. They made this decision without consulting me, nor asking me for any documentation or proof of my claim. This would be the first time in my history with this bank that a fraud claim was *not* decided in my favor. So it is quite clear that I do n't make a habit of purchasing items and then charging them back. I am in the XXXX XXXX myself, not to mention that that, in itself, *IS* fraud. 

I have already notified my bank that if this case was not decided in my favor, that I would end my relationship with them. Of course this is a major inconvenience considering the age of my account and how I, historically, have ranted and raved about how awesome their customer service was. This changes everything I think about the bank. I will proceed to take my business checking and savings needs elsewhere if this is not resolved via CFPB. 

I will also take legal action to recover the funds I am missing as a result of Bank of America 's lack of due diligence when it came to investigating this blatant fraud perpetuated by 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 2017-12-04
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I 've contacted Diversified Consultants advise them the debt not mines disputed with equifax sent in a validation letter also sent one to the company via certified mail ... the debt was removed in XXXX on XXXX ... then recently the report to my experian report on XXXX XXXX i contact the collection agency and ask why was this remove then report to XXXX the collection agency advise me that XXXX are the one who report to XXXX XXXX.. At this point I was willing to pay a settlement offered XXXX for the bal under the condition that i received a email stating that it will be removed once the payment post ... the rep adv me she would have to see is that something that she can do she place me on hold ... .a  supervisor returned to the phone inform a settlement only 30 % off the balance and he not willing to negotiated this and to keep disputing it if i like ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have a late payment showing on my XXXX 's account back on XX/XX/ 2017. I've made several attempts to have them remove that late payment. I've had several problems submitting payment using their website. I don't recall having a late payment on this account. This is the only late payment I have on my credit report. I have several revolving accounts and XXXX  's account is the only account who has caused me problems submitting payments in the past and most recently. I'd post-dated payments to this account over the phone to avoid having this issue again.

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 2018-02-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I spoke with a representative from XXXX XXXX XXXX about a past debit. At that time, I made arrangements to settle the debit. I also asked the representative, that once I paid the settled amount, would this collection be removed from credit report. The agent advised that it would. I called back once the debit was paid and was informed that that it would stay on my credit report for seven years. I spoke with a manager by the name of XXXX, who advised that he would listen to the conversation that I had with the rep. However, he never returned my call. I then began to research the company online and noticed that XXXX XXXX XXXX XXXX, licence with the State of Georgia has been dissolved since XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a VISA with CitiCard which I am trying to pay off and haven't used in many years. I received in the mail a Citi Mastercard with a different account number on it with instructions to activate my new MasterCard. 

I visited the CitiCard website to discover that my outstanding balance which at the end of my last pay cycle was $ XXXX was now $ XXXX. This $ XXXX increase in my outstanding balance was reflected in the fact that the balance reflected the $ XXXX on my Visa and an additional $ XXXX outstanding on my " new '' Mastercard. 

I called CitiCard and was told that this reflected a " transition '' that CitiCard is making form VISA to Mastercard. I inquired why my account showed an increase of over {$10000.00} and was told several reasons none of which made any sense to me. First I was told that when I activated the MasterCard the balance would return to {$10000.00} with the additional money reflecting the interest charged during the last month. 

I asked if I didn't activate the Mastercard, would the balance ever return to {$10000.00}. I was told " no '' then " yes '' and finally they said that on my XXXX statement my balance would be at the $ XXXX level. 

My concerns are : 1. Is it legal to open a card in my name without my consent? 
2. Is this " new '' MasterCard obligated to follow the contractual obligations of the VISA ( i.e. can they now increase my interest rate even though I have never missed a payment, etc.? ) 3. For what amount of time did I pay interest on $ XXXX instead of the {$10000.00} + balance I really owe? 

None of these questions were answered to my satisfaction.

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 2021-04-06
Company: FAIR COLLECTIONS & OUTSOURCING, 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 status incorrect

Complaint:
FAIR COLLECTIONS AND OUTSOURCE is in violation of the FDCPA and FCRA after multiple attempts for them not removing the false account. I will seek litigation if this false account is not removed. See attached PDF.

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 2018-03-26
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I was informed by my credit union while attempting to make a personal loan around XX/XX/2017 that Equifax was reporting that several accounts were under investigation when my credit report was pulled for the loan I was attempting to get. I called Equifax that same day and notified them that I had not requested these investigations. Equifax stated the items that was under investigation would be removed at the end of the 30 day period. On today my credit was pulled by a mortgage company, they told me I had a high number of items that were current under investigation and that I could not get a loan while the items were under investigation. It's been almost 5 months since I contacted Equifax about this problem and it has not been corrected yet. It is interfering with purchasing a home for my family and needs to corrected as soon as possible. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX sent out a 30 day late notice, the only one in many accounts because a dormant account had an annual fee placed on it without notification. And it was not paid until the next bill was sent out.

Experian investigated and did not do a thing because technically I was 30 days late from when they wanted it paid even though I was not notified because it was a dormant account. Also, my credit limited was reinstated and the late fee removed but this was not reflected on the credit report either.

I currently owe XXXX and in fact XXXX XXXX XXXX  is late sending me a check for an over payment.

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 2021-02-09
Company: Credit Karma, LLC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I signed up for XXXX XXXX credit monitoring on XX/XX/XXXX. On XX/XX/XXXX, I cancelled my account and requested by email deletion of all stored personal and financial data. 

XXXX XXXX representatives are refusing to honor my request, stating XXXX XXXX has the right to retain possession of my personal financial data for two years. XXXX XXXX representatives are refusing to disclose the specific policy or regulatory entity that they claim gives them this power. 

I find it deeply concerning that XXXX XXXX XXXX emails to me contain no representative name, no links to the policy or entity that XXXX XXXX is alleging gives the company the power to keep, store, and otherwise use my personal financial data for two years following my initial request for account deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: BMW Financial Services NA, LLC
State: NY
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:
Back in XXXX I leased a XXXX I paid it off owing XXXX XXXX in XXXX, all 3 credit bureaus have me owing a balance of {$5200.00} I have reached out to all 3 Bureaus several times XXXX removed the debt & put it back in my report a few months later..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: FAIR COLLECTIONS & OUTSOURCING, 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 paid this company thousands to get out of a lease that terminated in XXXX. They are trying to make us pay XXXX more dollars- some of this is stating that it includes a carpet that is XXXX XXXX XXXX but in the lease, we signed only XXXX XXXX per charge on the damaged spot. On the bill, it states that the carpet is XXXX months old - if the rug was XXXX months old in XXXX ( the date they wrote this ), this means that someone would have broken into the apartment to place the carpet without our consent of entering because we were living there in XXXX of XXXX. This company is known for charging everyone for " destroying '' their carpets. '' They are also asking us to pay a termination fee of which we spent our part already- XXXX There are already tenants replaced in the apartment- why are they asking us to pay for them? There should only be a XXXX $ negative balance on the bill, and they are now trying to charge us XXXX $ more when we moved out in XXXX!!!!! -- -- If no tenants were replaced, we should only owe XXXX XXXX If NO tenants were replaced, and in fact, we did not sign an agreement that we would replace the carpet, which we did NOT. The company should ow us XXXX XXXX They need to leave us alone and quit harassing us for money. We moved out of this apartment early because the living conditions were unimaginable, with XXXX XXXX everywhere in the yards not being picked up and the workers and maintenance men sneaking in at night using the trash bins for their personal trash, which I have on camera.

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 2018-04-13
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
onXX/XX/XXXX at XXXX I drove my vehicle to XXXX to buy milk for my son and when I was driving back my car shut off and shortly afterwards a tow truck pulled up behind me started lifting the rear of my vehicle, I yelling for them to stop and once my cars was lifted high in the air, two men approached both sides of the car shinning flash lights in my eyes demanding me to exit the vehicle or I would be arrested. This continued for about 5 mins or longer. They continued to threaten me to be arrested and the police were on there way and I was going to jail. I police vehicle arrived and the two men walked away from my vehicle. I couldn't what was happening because the police had there spot light pointed at my vehicle. About 5min had passed and the police hadn't come talk to me, so rolled my windaws down and asked if he would come talk to me. The officer told me to keed me hands out of the window and he would instruct me how to exit the vehicle, The had me keep my hands over my head and walk backwards towards his voice until I was told to stop and drop to my knees. I did as they asked and when in view there were 4 offices with there weapons pointed at me. the officer said that I was not under arrest at this time but, I was being detained. I tried to explain my side of events but, they were not interested in my statement. I was told the I would in-cuffed and to go on home that my car is being repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is illegally reporting their negative trade line on my credit report. I have no knowledge of this company nor due I know what this debt is about. I have never received any correspondence from them in regards to debt they claim I owe. I do not owe this company any money nor do I owe money to XXXX XXXX who they claim they work for. I do not have a signed agreement with this company or with XXXX XXXX This company is violating my rights under the FCRA under New York state law. They have 15 days from the date of receipt to remove their trade line from my credit report. Failure to do so will force me to take legal action against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation