BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX, 2017 we purchased a neon sign from XXXX for the amount of {$510.00}. On the next billing cycle we noticed an additional charge for the amount of {$260.00}. We then contacted the credit card company to dispute it. We were credited the {$260.00} in full. In XX/XX/XXXX we received a letter from Capital One stating that XXXX had submitted receipts showing that we made the purchase and the credit to our account was deducted a second time. The receipt is for a person with a billing and shipping address that we are unfamiliar with. I then called Capital One to resolve the issue and was told they needed me to send a letter stating my claim along with a copy of my credit card statement. With some resistance they emailed me a secure link to upload this information. The other company involved called us and asked us to drop the dispute telling us it would take 60 days for them to credit our account. We declined the offer expecting our credit card company could n't possibly charge us for something we obviously did n't purchase. Several weeks later we received another letter from Capital One saying we did not provide the requested information and they were considering our case closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX, XXXX, and XXXX all Violated the law by Dual tracking my loan while I was trying to work on a loan modification. They foreclosed while I was disputing the misapplied payments lost payments and money put in suspense. XXXX XXXX XXXX XXXX XXXX XXXX with EVERY SERvicer in violation of the LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called Equifax on XX/XX/XXXX and informed the agent that the following inquiries were made without my consent or authorization. The agent refused to listen to my concern or resolve the issue. I am requesting the removal of the following unauthorized inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: MARINER FINANCE, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Mariner Finance is showing up on my credit report. I have never had a loan with them or any letters, phone calls etc. Now they are on my credit report and the debt is over 7 years old.

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 2018-01-15
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Back in XXXX 2016 to XXXX 2016, I was having trouble paying back my loans at the amount set forth. I was making under poverty wage and had a dependent. They told me that the only option would be forbearance, and that I would have to keep calling every 3 months to do it. I requested to speak to a manager, and after multiple dropped phone calls saying that there was no other options, and that they do not lower interest or payments, they finally put me through to a manager. They set me up on a plan that lowers my monthly payment by {$100.00}. What I did not know was they increased my repayment time by 8 years and increased my interest rate. After it being 18 months, my auto payments dropped, so I found all this out by going in to the website and discovering how high my interest rate was, and that my plan had not extended by the 3 years I thought ( to make it an 8 year loan ), but actually increased 8 years. After reading, and experiencing from XXXX XXXX, how they decreased my interest rate to make my loans affordable, I believe that XXXX was untruthful and has caused me to pay way more, when they should have had options like XXXX or XXXX  ( which I have loans through both ). I am able now to make more then my loan payment, but am looking at all the money I feel like they tricked me out of money through false statements and pushing me into the 'only option they have ' for repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: WELLS FARGO & COMPANY
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XX/XX/XXXX : Payment of {$18000.00} made to Wells Fargo for a private student loan The 'Details ' link shows : Private Student Loan Principal XXXX Interest XXXX Late Fee XXXX Total XXXX The Wells Fargo   online banking shows I owe {$130.00} as an Outstanding principal balance. 

Further, the online banking shows I owe {$280.00} on XX/XX/XXXX. 

The loan is paid off in light of the Principal, Interest, and Total which was paid in full on XX/XX/XXXX. 

I spoke to the Executive Office at Wells Fargo ( Case ID XXXX ) but they insist that more interest was being added.

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 2019-04-02
Company: Patenaude & Felix A Professional Corporation
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:
On XX/XX/2019 I received a debt collection letter on an unsubstantiated, alleged debt with XXXX XXXX XXXX who has now sold/handed over my alleged debt to Patenaude & Felix A.P.C without any merit, verification, documentation, etc. There is no debt. I  refuse a debt exists. I filed a previous complaint with CFPB on this same matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In order for me to figure out how much I owe them, I requested credit card statements for the life of the account which is from XXXX. I'm not going to take their word on the amount owed since banks are crooks. Initially they sent me XXXX to XXXX statements. I called again and asked I needed all the statements. A few weeks later, they sent me XXXX statements. I called them and requested again I need all the statements and left a message for them. No response back. I called them back two weeks later as I noticed a letter from them in my mailbox showing that they filed a lawsuit and billed me the {$510.00} filing fee for the court. I called them again and asked why is there a lawsuit. They said because there was no settlement. I repeated again I need all statements so that I can figure out how much is owed. The new person that I spoke with which is different than my contact on the forms said he can send out XXXX to XXXX statements and try to get the older ones. He then said once you have them call us so we can figure a plan for you. 

My question is, how can I make any decision if I don't have all the statements showing what I truly owe them? Regardless, I have no details and they file a lawsuit against me. 

That is not right. I should be given all the details needed so that I can make an informed financial decision on the debt I owe them.

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 2019-04-05
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX contacted the company they told me they are unable to verify the debt, and that to have the Equifax remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I just received notification from Equifax that they completed and investigation and a prior debtor reported TO THEM that the erroneous information from XXXX XXXX is accurate. Equifax further advised me to contact XXXX XXXX directly to address this matter. The problem is that I have already done that and XXXX XXXX confirmed there are no current debts and they also followed that confirmation up in writing. I have sent that confirmation to both YOU ( CFPB ) and Equifax. The company ( XXXX XXXX ) confirmed today that they did not go back and change any information in their system and that my debt has still been cleared. They advised me to seek legal action against the reporting agency ( Equifax ) since they have updated their records and notified Equifax. I have attached the confirmation from XXXX XXXX once again. This problem has gone on long enough. I have proof andI will move to enforce my legal rights immediately if this is not rectified. This will also include seeking substantial damages due to the fact that this negligence from CFPB and Equifax has now cost me a job offer and several potential apartments for myself and my child. I can not tolerate this anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Equidata, 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 has been an a issues for me, someone had stolen my identity what do to I do from this point on. this is crazy that someone is pretending to be me and causing XXXX in my life I did not authorize these accounts. these accounts are fraud

Company response to consumer: Untimely response
Consumer complaint received 2019-07-19
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:
this has been an a issues for me, someone had stolen my identity what do to I do from this point on. this is crazy that someone is pretending to be me and causing XXXX in my life I did not authorize these accounts. these accounts are fraud

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 2019-04-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX a call was made to Chase Bank in order to pay my credit card bill. Upon paying the bill I forgot to ask for them to remove my account information. Upon calling back I was told that it could not be removed without cancelling the payment. I insisted it could as I did so every month. The agent disputed this fact and I eventually requested to speak with a manager. After speaking with a manager I spoke of the issue once more. The manager said he would research to see if this could be done. After explaining once more that I have done so more than one time and having filed a report about this continuing issue he promptly removed my bank information from being on file and than apologized for the misinformation. At which point I asked for a credit to my account due to Chase Bank lying about the ability to remove my private information. He refused and I requested to speak with the executive affairs before filing a complaint with the consumer bureau Upon being transferred the lady who answered asked me what occurred. She.appeared to be dismissive and aggressive once I stated the request for a refund. She did however apologize for what had occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Closed XXXX visa with Chase Bank in XXXX Was told I overpaid them, and that they send me a check which I NEVER RECEIVED for {$470.00}. 
Have called them every week, each time to get different story They claimed check was cashed, I DID NOT CASHED IT, DID NOT RECEIVED IT!!! 
asked to send me proof of cashed check, they can not find it, or so they say I have been calling weekly, spoke with 6 supervisor, signed an declaration, mailed it certify mail on XX/XX/19, still not word It is my money and they are not paying me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed an account on my credit report that EQUIFAX is reporting because I do not know whos account that is, the name of the account is XXXX XXXX, I received a copy of a paper from EQUIFAX telling me that the account is not being reported on my credit report but that is not true because the account shows as being reported on different places like XXXX XXXX and the EQUIFAX.com/dispute. I have included a copy of the paper as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On several occasions I tried to have Pay Pal resolve issues with some cases I wanted disputed, they never not one time attempted to settle these cases with me, they never let me talk to a member of management, nor did they even let me talk with there so called disputes back office. I have sent several e-mails with proof to back up my dispute cases. I have gave them plenty of time to comply with me but there being non-compliant to this day. My Financial Institution is now going to be drawn into this so they can take a look and take action against Pay Pal. If Pay Pal still refuses to comply with my orders I will take legal action against them. I will also do a follow-up with the California Attorney General as well as following up on my complaint with the FTC. I will continue to call Pay Pal Customer Service everyday there open for business and I will continue to fill there support inboxes. I will NOT let Pay Pal do as they please and take advantage of me, I will fight you tooth and nail till death do you part. I expect you to be an adult and take care of this issue and I DEMAND a member of Management to call me via phone. I will fight for my rights and I'm entitled to fight you till the end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-15
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from XXXX XXXX XXXX around XX/XX/XXXX. The person on the phone said I had a XXXX XXXX XXXX debt of {$890.00} dollars and the card was associated with XXXX XXXX, my employer. I used my XXXX card for making travel reservations to XXXX XXXX prior to XX/XX/XXXX. The card was issued by XXXX XXXX XXXX. I went on XXXX XXXX leave on XX/XX/XXXX due to a personal injury I suffered on that day. I cancelled the reservations within 10 days of my injury to avoid paying any penalties for not using the services paid for with the XXXX card. Sometime after my injury, my employer switched from XXXX XXXX XXXX to another issuer, who I guess is XXXX XXXX. I never opened an account with the new issuer since I was on XXXX  leave and told by my employer to not engage in any employee related work efforts. Hence, I never knew of any charges to the AMEX card. 
When Credit collection Services called me about a debt for {$890.00}, I was mystified about it. I told them I would check into it. I checked my last known XXXX account, from XXXX XXXX XXXX, I owe them nothing. I think this charge of {$890.00} is a false charge.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I called XXXX XXXX to request my credit limit be increased because it was previously decreased. I informed the representative that i did not want my credit report ran. The representative confirmed with me that my credit would not be ran. I was told that my credit limit increase request was approved. After ending the call I received a notification from XXXX that a new hard inquiry was added to my report from XXXX XXXX/XXXX XXXXt. After further review i also saw that they ran my credit without my consent on both XX/XX/XXXX andXX/XX/XXXX. I called XXXX XXXX immediately and was told i would need to dispute this in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2019-04-03
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
IN THE SUMMER OF XX/XX/XXXX NAVIENT WHO IS A SERVICER FOR SALIE MAE HAD ME ON THE RATE REDUCTION OF 4 %. IN XX/XX/XXXX THEY INCREASED MY INTEREST RATE TO 15 % AND THE PAYMENT TERM ALSO INCREASED SO I AM PAYING MORE INTEREST THAN EVER. THIS RATE IS SAME AS A CREDIT CARD AND ITS VERY UNFAIR. I HAVE BEEN PAYING ON TIME ON A AUTOMATIC DRAFT AT THE 4 % INTEREST RATE. I CALLED NAVIENT AND ASKED THEM WHY THEY CHANGED MY RATE TO 15 % AND THEY SAID BECAUSE MY CO SIGNER CAN AFFORD THE 15 % AND ALSO BECAUSE THE INFORMATION ON THE CREDIT REPORT. MY CREDIT HAS BEEN THE SAME FOR THE LAST 5 YEARS. I THINK THIS IS A DECEPTIVE BUSINESS PRACTICE BY NAVIENT AND ABUSE TO POOR STUDENT THAT IS TRYING TO MAKE A LIVING. PLEASE TALK TO NAVIENT TO LOWER THIS INTEREST RATE AND DISCLOSE THE TERM OF THE LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have sent XXXX $ through quick chase pay to XXXX account which is fraud account. I called my bank and asked to cancel my transaction as this is wrong transaction and filed claim. But chase claim reports says that I sent money and XXXX is not releasing funds. They are saying its not chase issue. They cant do anything. I need my money back from XXXX account. 
How can I proceed further

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 XXXX This is not my debt. I have contacted them several times. Nothing has been resolved. 
This is not my debt. I have no idea where it has come from

Company response to consumer: Closed with explanation