BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-09
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I started a refinance in XXXX to get into a conventional loan and during that process it was found that my property taxes were never paid 3years ago by XXXX. I contacted my current loan servicer, and they informed me that this mistake was made by XXXX and they did not receive any escrow funds from them and they were not responsible. I then contacted XXXX multiple times and finally found out that they collected the funds from me but never paid them to the county nor issued a check for the overage to me. They made promises that they would send the check out in 1-3 business days and this kept happening for three months. I finally received the check, deposited it, and it bounced 3 days later! I then called XXXX multiple times, with multiple managers and left several messages with no return call. I believe this company is practicing fraudulent activities, at the very least they are engaged in unethical practices. If i hadn't of stumbled on the information, they would have kept my money without any notification to me. Not only has this placed a huge financial burden on our family, i have been unable to refinance due to this. I am also on the hook for XXXX in penalties and interest for their mistake, which they have offered zero help with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In checking my credit reports, I noticed that my student loan had doubled the amount owed from Navient formally known as XXXX XXXX. They are claiming that I owe them XXXX for my XXXX education. I am in disagreeance with them regarding this amount. The amount previous shown was XXXX it has now doubled. I am requesting proof. It also indicates that this loan is 91 % paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX, I was I was fraudulently contacted and victimized/scammed by someone representing themselves as being from the fraud department and they tricked me into providing banking details and ultimately made two ( 2 ) XXXX transfers from my checking account using XXXX, stealing my monies in the total amount of {$920.00}. 

I immediately called Capital One 360 and reported the incident and gave all the details I had and completed and returned any necessary paperwork at the time, etc. I believe two separate fraud cases were open and subsequently closed as I was told the return of my funds was pending from the other bank that the monies were sent too, and that there was nothing more that Capital One could do. To date, I have received zero dollars back. 

I am legally XXXX, live on a fixed income and have been desperately waiting for my monies to be returned to me. I have complied and filed reports with law enforcement, IC3.gov and complied with all of Capital Ones requests and provided an abundance of information that I was able to put together on this scam. Today, I have also reported a scam directly to XXXX, through their website online submission form and sent a certified letter again to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
# XXXX, # XXXX as well as Regular inquires I did not approve of. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 's XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX The regular inquires I did not approve of and took my report without consent I am asking to be removed from credit report. The accounts that have been closed I'm requesting taken off. Kohls has already been paid in full and XXXX did not credit my account for money they had taken from my account. That is why my account was charged off and I called multiple times for them to correct this and they did not. It is not my fault they closed my account and will not refund money to credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2019 I spoke to the 'seller ' on XXXX , XXXX   XXXX who alleged that she had 1 ticket to sell for the XXXX XXXX concert on XX/XX/XXXX in XXXX Md. She offered to sell it to me for {$50.00}. The payment method was via Paypal, XXXX I completed the transaction she asked for a screenshot of the transaction from PayPal which I sent and her last words were ' I will send the XXXX to you right now ' that was XXXX. She never sent the XXXX and closed down communication with me on XXXX. I contacted Paypal and they said the transaction was considered a 'personal payment ' and there was nothing they could do to help me. I looked on my bank account and the money had already been deducted from my checking account. I need someone to help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: First Associates Loan Servicing LLC
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I HAVE A PRIVATE LOAN FROM XXXX XXXX. THE COMPANY ( XXXX XXXX ) PUT ME ON A REPAYMENT PLAN AFTER GRADUATION FOR $ XXXX MONTH BASED ON MY INCOME. I WAS ALLOWING AUTO DEBIT PAYMENTS FOR THIS $ XXXXMONTH FOR THE FIRST YEAR. AT THE END OF THAT YEAR THE PAYMENTS CEASED AND THEY INFORMED ME I HAD " BACK '' PAYMENTS I HAD NO KNOWLEDGE OF. THESE " BACK '' PAYMENTS EXCEEDED {$5000.00}! ON TOP OF MY NEW LOAN AMOUNT OF $ XXXX THAT WAS ORIGINALLY TOLD TO ME TO BE $ XXXX. 
I NOW HAVE TO PAY THE $ XXXX IMMEDIATELY AS THEY HAVE ALREADY REPORTED NEGATIVELY TO MY CREDIT BUREAU. 
AS MANY OTHERS WHO HAVE ATTENDED XXXX XXXX I AM STRUGGLING TO REPAY ALL OF THESE LOANS AS MY DEGREE IS CONSIDERED BY EMPLOYERS TO BE " WORTHLESS ''. 
I DO NOT UNDERSTAND HOW THEY CAN CHARGE " BACK '' FEE 'S ME FOR HAVING A REPAYMENT PLAN THEY SET UP FOR ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Verisk Analytics 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:
On XX/XX/2020, I sent a correspondence letter to LCI requesting information on a bankruptcy they were reporting to XXXX that was inaccurate. I provided documentation from both XXXX and XXXX that this erroneous entry was deleted from my credit report along with a correspondence letter from XXXX XXXX that the bankruptcy was also deleted from my profile due to inaccuracies. I received a letter from LCI, dated XX/XX/2020 informing me that Lundquist Consulting Inc ( LCI ), acts as a furnisher and provided bankruptcy information to credit reporting agencies bureaus. The letter stated these records are considered " public '' even though they may contact personal information and since the information LCI reported was obtained from a publicly available source, they do not have authority to change the information ( including opt-out preference ). The letter also stated to dispute the completeness or accuracy of this bankruptcy, I may submit a letter of dispute to LCI identifying the specific information being disputed, the basis for the dispute, and include all supporting documentation to substantiate the basis of my dispute. I've provided all this information in my initial dispute and they failed to overlook it. 

XXXX collects date from XXXX XXXX and LCI for public records. XXXX XXXX is regulated under the FCRA but LCI is not when they report the same information, why? Can you explain the difference between the two types or data collections? That BOTH affect credit worthiness? 

Section 603 ( d ) ( 1 ) defines " consumer report '' as communication by a reporting agency with information that bears in a consumers credit worthiness ( see attached image for full definition ). How is LCI not being regulated by the FCRA then? 

LCI 's website stats to contact XXXX in the event a consumer suspects their bankruptcy information is erroneous. However, XXXX 's website directs us to contact LCI if we have questions on the bankruptcy. Why is there a conflict of information? Who exactly should the consumer contact? Secondly, on LCI 's website, they EXPLICITLY state " LCI DOES NOT MATCH BK INFO TO XXXX CREDIT FILES '' ... ..So, how does XXXX consider this information verified if LCI is stating they do not verify such information? 

Also, why is XXXX reporting LCI to have claimed to be covered by the Fair Credit Reporting Act ( FCRA ) if they are not ( see attached image for documentation purposes )? 

FCRA Section 603 ( 5 ) ( p ) also recognizes any company who supplies public record information to XXXX ( or any credit reporting agencies ) as a " consumer reporting agency '' Again, how can LCI report anything to XXXX on a consumer if they are being recognized as a reporting agency?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX, I made two separate transfer each was for the amount of {$1000.00}, of which {$49.00} was the fee per transfer. The total taken out of my business account was {$2000.00}. Western Union informed me that after using this existing account for two transfers, that they would not allow the transfer to take place, since the account was set up as a personal account, but with a business account details. ( Even when the account was set up under a business name XXXX As such they would NOT allow the distribution of funds to be sent. On the same day, I requested for the funds to be returned to my account. Unfortunately, as of today, XX/XX/XXXX Western Union ( WU ) has not returned the funds. Instead, it states that the funds were distributed. Unfortunately, every time I called the customer services provides numerous reference number, but no funds were ever returned to my account. I have also submitted emails at WU but this situation is not resolved. 
After several attempts, I have asked for my bank to dispute the transactions, but unfortunately, I am told that the 78 days since the transactions it does not guarantee the bank is able to recouped the funds. They will try but suggest I file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: ALLIANT CREDIT UNION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
It has come to my attention that Alliant may have added new stipulations to the rewards program that in order to earn 2.5 % cash back that there must be a monthly deposit to the savings account? I did not receive notice of this change, assuming it has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: JPMORGAN CHASE & CO.
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:
Hello to whom it may concern, I am reaching out in regards to fraudulent inquiries on my credit report. I have contacted both the creditor, XXXX and customer service would not take care of the issue. 
The Inquiries listed were : XXXX XXXX ( Bank ) XXXX XXXX XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/2021 XXXX XXXX  ( Bank ) XX/XX/2021 XXXX XXXX XXXX Bank ) XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My Exquifax report shows a joint credit card on my file as having a balance of over XXXX and late when not only is that account closed but the balance is {$0.00}. This error is causing my debt to credit ratio to be extremely high and is negatively impacting my credit. Additionally, this shows as a 30 day late when this is not accurate as NO bills were sent to me after moving and with XXXX locking me out the account i had no way to determine the status of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
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: Account information incorrect

Complaint:
XX/XX/2019 XXXX XXXX reported a late payment that was inaccurate and the reporting agency keeps reporting it. the XXXX XXXX   balance was paid off in full and had a XXXX  balance. XXXX XXXX   went ahead after that fact and charge some random fee that I wasn't aware of and that's the reason they use to say am late when I wasn't.

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 2018-04-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX keeps calling me from XXXX trying to collect debt I have no knowledge of that isn't on my credit report. They were claiming that I owed {$3000.00} to XXXX XXXX XXXX  for a credit card, which doesn't make sense because I have both a bank account and a credit card with XXXX XXXX XXXX that are current and in good standing. The credit limit also does not match. Despite me telling them several times that I do not have any knowledge of this debt and that it's not on my credit report, they keep calling me and using predatory terminology starting that they may sue me for the debt. They also called my fiance repeatedly looking for me and tried to talk to him about paying my supposed debt that I have no knowledge of that is again, NOT on my credit report and I've never received anything in the mail from these scam artists. I saw that these people were sued recently and I want them to stop bothering me and threatening me or I will also sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Enterprise Acquisitions
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
The car rental company, Enterprise, gave me to use a car with an international driving license of another country. They have actual information about my living in the USA. In the end, when driving a car, I was arrested for not having a driver 's license in the state of Virginia. 
After the arrest, my car was taken away and sent to a paid parking lot. As a result, the company charged me money for rent and for paid parking 2 times more. 
Looking from the pink side, whose fault is it? This is not my fault, they saw all my documents and information. I demand a refund and moral damages for a lawyer!

Company response to consumer: Untimely response
Consumer complaint received 2018-01-16
Company: American Credit Acceptance, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I will attach a copy of the letter I am sending them but this is in fact the second or third time I have attempted to resolve this with them. They are charging me an interest rate that is illegal in my state. Last time I filed a complaint against them they ignored it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Bread Financial Holdings, Inc.
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: Problem with rewards from credit card

Complaint:
was offered a credit card without applying several months ago. In XX/XX/XXXX, I was offered a promotion to transfer any balances up to my {$14000.00} credit limit with no interest or payments until XXXX. I transferred just under {$1000.00} r4om my discover card. I have since paid my account off every month. The method I use to do this is to check the statement balance, subtract the XXXX amount and pay the balance. A few times, I've had credits that have affected the balance after the statement " cut ''. On one occasion, a few months after accepting the offer, I received a statement that had the XXXX balance reduced by around {$14.00} even though I'd directed no payments to that account. I called the company and after playing for a long time with their on-line system - clearly designed so they never have to actually talk to a customer - actually spoke to some people who very unhelpful. In the end, after spending a couple of hours of my time trying to resolve this I gave up. As noted above, I have from time to time called the company to determine what payment needed to be made to maintain by promotional balance and not have any interest accrue on the remainder. This last statement showed my promotional balance completely wiped out, effectively increasing my immediate debt by almost {$1000.00}. After spending much more time on the phone a week ago, I spoke to a supervisor who indicated they had made a mistake and she would fix it and call me back. As of today, this has not occurred. I have communicated numerous times that I do not intend to pay off the promotional balance until the very last day of the promotional period, but they don't care they just want they money. This is a FCRA violation, blatant fraud and a violation of UDAAP. This has all been highly complicated by errors they have made handling several fraudulent charges on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

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 2018-01-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account status incorrect

Complaint:
My XXXX report shows a joint credit card on my file as having a balance of over XXXX and late when not only is that account closed but the balance is {$0.00}. This error is causing my debt to credit ratio to be extremely high and is negatively impacting my credit. Additionally, this shows as a 30 day late when this is not accurate as NO bills were sent to me after moving and with USAA locking me out the account i had no way to determine the status of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: NRA Group, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect item on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2022-01-11
Company: Social Finance, Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
A few days I opened an account with SoFi, transferred {$500.00} into account. 
I deposited 3 checks totaling approx. XXXX. 

Today I get a notice that they froze my account due to fraud alert and suspicious activity and I should call a specific number. 

I called that number but they don't take calls! only voicemails. 

It's crazy that they can suddenly freeze my account without providing a reason supposedly " for my safety '' and then not have anyone reachable to tell me what's going on and why!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Client Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This collection agency is using unethical tactics to collect a debt. I requested the following information from them to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority giving them the authority to collect the debt, and a complete accounting / statement of payments with interest and fees to validate this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation