BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-25
Company: Law Office of Harris & Zide
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A levy in the total amount of {$4500.00} which includes {$120.00} bank fee on my checking and savings acct with XXXX XXXX XXXXXXXX was placed XX/XX/XXXX ( I was not notified prior to or at time of withdrawal by my bank, any other individual or company of this levy ) I discovered my missing funds on XX/XX/XXXX while accessing my accounts for other purposes. After multiple phone calls to my bank and XXXX California courts I was given a court case number and a contact number for Harris and Zide Attorney/Debt collectors who were said to be responsible for the levy. Upon contacting Harris and Zide office I spoke with XXXX XXXX who identified herself as the legal assistant. Upon my inquiry into my missing funds I was told by XXXX XXXX that it was for an XXXX XXXX  account I held in XX/XX/XXXX, that they sent me three letters, one on XX/XX/XXXX to a prior address, another XX/XX/XXXX and XX/XX/XXXX to my current address that I have resided since XX/XX/XXXX, and that I had a judgement from XXXX Courts that was public records that I could refer to. XXXX XXXX then stated that this was also linked to XXXXXXXX XXXX who had bought XXXX XXXX and to another attorney by the name of XXXX. I immediately challenged the information provided as I do not recall ever having an account with XXXXXXXX XXXX and furthermore I have not received any correspondence from Harris and Zide, I could not obtain court information as she stated with the court case number she gave me and stated was public record nor could she provide me with proof of service. 
I believe this to be a scam and I'm not sure what recourse I have without spending monies to hire an attorney to retrieve money from this company. I am sending them a certified letter for demand of return of my money however I believe this office should be aware of this incident and if it is appropriate to please intervene /assist on my behalf to have my money and bank fees returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A company by the name of XXXX XXXX, is trying to collect funds from me and I have no business with them. I did not no who they were until I was served a summons and complaint, I then responded and they stated they were trying to collect a debt possibly owed to XXXX XXXX XXXX. I then sent a request for verification and Validation of the debt to their attorneys office ( XXXX XXXX XXXX XXXX ). They only sent me computer generated copies of statements that may or may not be accurate. We had a court hearing XX/XX/2018 and we are to return to court for possible trial, in the near future. The attorney sent from the law firm tried to get me to sign off and admit to a debt that I don't owe. She also seem to think my wife and I were not able to understand she was representing XXXX XXXX and she was not the collections agency, but the law firm. XXXX XXXX is trying to get a judgment against me and ruin my credit. Unfortunately for them I will fight this to the end and if this ends up in a much higher court so be it!! They go around purchasing debts that don't belong to them, for near to nothing prices and expecting to collect large amounts of funds, not owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
HELLO, MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN CREDIT FROM YOUR COMPANY. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : CAPITAL 1 BANK USA, NA OPENED : XX/XX/XXXX AMT. XXXX CAPITAL 1 DATE OPENED : XX/XX/XXXX AMT. XXXX I HAVE ENCLOSED MY POLICE REPORT, ID AND SOCIAL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/XXXX, CAPITAL ONE add a hard inquiries on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX, I contacted Navient to remove my deceased grandfather, who died on XX/XX/XXXX, as a co-signer. I had completely forgotten that he was on the account, due to the fact that I have been the only one paying on it since I graduated in XX/XX/XXXX. When I called, I reached the automated system and it asked me why I was calling. I stated, " co-signer death. '' The automated system then directed me to a prompt, which stated that I would need to speak to a representative. Instead of transferring me to a rep, the system disconnected on me, which was very frustrating, but I understood. So, I called back and got the automated system again. When prompted, I stated " representative. '' The system said, " In order to get you to a representative, I need to know the reason you're calling or I will have to disconnect the call. '' In my opinion, if I say representative, you transfer me to a representative. I understand that the company probably does this to eliminate transfers, but the first representative I spoke to had to transfer me anyways! So frustrating. Then I finally get to the agent that's supposed to " help '' me and they tell me that I need to mail in the original death certificate. My grandfather has been deceased for 3 years and now I have to find this death certificate, pay for postage, and send it in. Minor inconvenience, I thought, but then the representative asked me several questions about his death. " Did he go to a hospital? '' " Which hospital? '' " What funeral home was used? '' " What's his mother 's maiden name? '' " What's his father 's name? '' What is the point of all these questions if I'm sending you the death certificate?! That alone should be enough to remove him from the account. Before I disconnected, I asked the agent what would happen if I couldn't get the death certificate. The agent basically told me this was the only way to get him removed, so if I didn't do it then he would remain on the account. This was such a frustrating process, when all I really want is mail to stop coming to his old house. Not to mention the fact that I'm not even remotely close to having him removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: Kriya Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received numerous calls from Credence Resource Management ( CRM ) in reference to a bill of {$540.00}. When I last spoke to CRM they said the bill was for XXXX. I have never used this service in my life. They said they would dispute the bill. I checked my XXXX  report today ( XXXX XX/XX/2021 XXXX to find that CRM had flagged my account for the {$540.00}. I have never received a letter or bill in the mail requesting the {$540.00} ; only phone calls from the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Franklin Collection Service, Inc.
State: FL
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:
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT FRANKLIN COLLECTION SERV To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX.. 
Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE LOOKED OVER MY CREDIT FILE AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNT AND INQUIRIES DO NOT BELONG TO ME SO THEREFORE I AM ASKING THAT A RE-INVESTIGATION TAKE PLACE ON THE ACCOUNT AND INQUIRIES SO THAT THEY CAN BE REMOVED FROM MY CREDIT FILE IN A TIMELY MANNER.

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 2020-11-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went Grocery Shopping at XXXX on XX/XX/2020 and my groceries came up to {$230.00}. On Wednesday, XX/XX/2020, while I was reviewing my checking account transactions online, I discovered a charge of {$12.00} that was made. I immediately called USAA Federal Savings Bank and informed of them of the suspicious charge. The USAA Representative told me that she did saw that the charge came out of the State of Arizona, at a XXXX with a telephone number listed as XXXX XXXX XXXX XXXX XXXX. The Representative then told me that she was closing my account due to the charged being a fraudulent charge and that I will be sent out a new card in 2 business days. I have XXXX young children in my home and I feel that it's very unfair to be without a money or card and for USAA to have members wait so long for a new card to arrive via XXXX for such a long time period. I was asking why can't they overnight or express it to me and hey stated to me that it's their banking policy of 2 - 3 days weekend not included. I was also told I may not receive the card until Monday, XX/XX/2020 although the charge was notated fraud. As of today, I will be at home during a Pandemic with XXXX young children ages XXXX and XXXX XXXX without access to my money. What is something was to happen and I need to go somewhere? I will not have any money. I do not have family members in the State that I reside in. I would like for USAA to change their Policy especially with a case such as mine and others. I feel that the Card should've been Overnighted and the members should be able to receive it the next day. This Policy that USAA has needs to be changed immediately. They have done this to a lot of family members and myself. I've served in the U. S. XXXX and have been a member with USS for XXXX years and after this, I will be cancelling my membership with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Strategic Alliances, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I go to check my credit on XXXX XXXX and I realize I have this medical bill in collections. I don't remember ever receiving a bill or notice of some sort. I don't even remember what I was at the hospital for or even if i was there. I go to a credit repair company and maybe a month later and it is off my credit and my credit is raised some points. I am happy and content. As I check my credit again about maybe a month later and it is back on there and my credit drops again. I call the debt collection agency and ask to speak to someone to remove it but they can not remove it. I'm not even sure if this is mine but the balance was low so I paid it in full but they told me they can not remove it off of my credit and only say it was a paid collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I informed property that was a a victim multiple robberies. The property manager at the moment explained that I could move once I have another place to move to. Have email to verify the date and what was stated. 
I preceded it to look for a place. 
On XX/XX/XXXX I informed yet again that my property was stolen. At which point I reminded that I am leaving on XX/XX/XXXX. The property at the stated yes verbally and via email that I am not liable for any fees or XXXX rent since I am victim of multiple thefts and that she could not guarantee my safety. I promptly left the property on the XX/XX/XXXX. I have email to verify what was just stated. 

Additional I also have the police reports for such incidents that the property manager alone with my renters insurance used to verify my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
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: Card was charged for something you did not purchase with the card

Complaint:
I have a credit card ( XXXX ) issued by Boeing Employees Credit Union ( BECU ). I am a senior citizen, aged XXXX, and was victim of computer fraud. 

Immediately after I paid for these bogus services on XXXX XX/XX/2018 with my BECU XXXX card, I spoke with my son who advised me this was fraud and to go straight to the credit union to freeze all accounts and cancel all charges and ask for new XXXX. I did this immediately. 

I paid for bogus services with my BECU XXXX card and asked BECU to deny and/or reverse the charges. BECU has declined to reverse the charges. 

There was no pending charge for my old XXXX card when I/they cancelled my old BECU XXXX card. BECU opened a new BECU XXXX card, and the {$2700.00} showed up as a charge on my new XXXX after a few days. BECU should have denied that {$2700.00} charge as they were informed it was fraudulent 3 days before this fraudulent charge showed up on my new BECU XXXX card. BECU has denied my claim as I paid for bogus services " willingly ''. I disagree, I thought I was purchasing a service. 

When I use my XXXX card, I trust that any fraudulent charges will limit my responsibility, especially when I advise the bank within hours of this fraud. I am asking for your assistance in getting the {$2700.00} charge reversed on my BECU XXXX. 

There is an active police investigation that has all the specific information about this fraud, please contact XXXX County Sheriffs Department, Case # XXXX. Their telephone : ( XXXX ) XXXX. 

I gave this Police Case information to BECU fraud investigators but they told me they will not contact the Sheriffs Dept to get details on this crime. I believe BECU is also taking advantage of a senior citizen with their " rapid-fire '' telephone questioning of the particulars of this fraud case instead of written communications. It is confusing for most seniors to talk with BECU investigators on the phone, much easier to understand written words and then I could think about them and reply. The investigators use terms I am unfamiliar with. 

Please advise if you can assist in reversing the charge on my BECU XXXX which was taken from me by fraudulent means.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 recently received my personal credit report and found that an account with XXXX XXXX is listed as past due and 90 days late the account shows an account balance when in fact the account is not past due or holding a remaining balance as it was paid in full months ago

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 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Have asked for this information to be verified by mail. As of XX/XX/20, I have not received any information by mail. It have been removed from certain bureaus. Remove from All per FCRA and HIPAA.

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 2018-06-25
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
bloomingdales XXXX XX/XX/2017 I sent letters from my XXXX  and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested

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 2018-03-29
Company: Experian Information Solutions Inc.
State: FL
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:
This is a followup to complaint XXXX I just received a reply from Experian. It is obvious that they did not read the complaint and simply pasted some boiler plate text as an answer. 
I have made it clear that I do not dispute the debt. What I want is for Experian and XXXX to agree to remove the negative comments on my report in exchange for payment. They both tell me it is not up to them, but to the other party. Experian did not even remotely try to answer the question and simply concluded that the debt was valid ... TO WHICH I HAVE AGREED. 
Can you please get these lazy careless people to do their job? 
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 2021-06-03
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was advised by a representative from Nationstar/Mr. Cooper to make my XX/XX/2020 payment and to not make any further payments until my refinance was complete. Please see attached letter. 

Nationstar/Mr. Cooper reported me late to the credit bureaus, which significantly lowered my credit score. Due to my low credit score, I was unable to complete my refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/18 Navient informed me and the CFPB that it received my annual renewal IBR application ( see exhibit smoking gun 1 ). Navient stated that it received my annual renewal IBR application and that the address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX THIS IS INCORRECT. Looking at my IBR application ( see exhibit smoking gun 2 ) it CLEARLY STATES MY CORRECT ADDRESS WHICH IS XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 
My new IBR payments will begin next month in XXXX but I have not yet received information regarding my new payment amounts.

Company response to consumer: Closed with explanation