BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-14
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no idea what this collection is regarding. They called me and said they had a PO Box and I told them that I have never owned a PO Box . Then they asked me for my mailing address and I told them if that debt was mine they should have it. I believe that this is not my debt and would like this removed. I asked them to validate it and I have yet to get validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: EQUIFAX, INC.
State: KS
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:
A collection agency named XXXX XXXX informed me that they notified Equifax to remove a collection account they had reported in error ( # XXXX ). Equifax refuses to delete the account. I have disputed the account with Equifax twice, but they refuse to take it off of my report, even though the collection agency ( themselves ) have asked them to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage was transferred to Select Portfolio on XX/XX/XXXX from XXXX XXXX XXXX. 

Before my loan was transferred, I was in an XXXX XXXX XXXX forbearance program with XXXX XXXX, that started in XX/XX/XXXX. I was in the middle of a rate modification with XXXX XXXX and had no negative credit reporting from them during the whole pandemic as I was protected through that forbearance. Select Portfolio did not honor that protection when they recieved my loan and on XX/XX/XXXX reported my account status as XXXX delinquent. Obviously it is an error on there part, but when I called in to get it resolved, I got conflicting answers from every person I spoke to and nothing made any sense. 

Select Portfolio have SEVERAL correspondences in their possession that XXXX XXXX sent to me in XX/XX/XXXX, on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX showing that I was in an active forbearance and that I was protected from negative credit reporting yet they still reported my loan late during 180 days of that SAME period. When I ask each agent who's names were XXXX, XXXX and XXXX who I spoke to on XX/XX/XXXX and XXXX who I spoke to on XX/XX/XXXX and then again on XX/XX/XXXX, where the 180 days come from?, I got varying answers and varying excuses that didn't answer the question. XXXX who is a supervisor, aknowledge that Select Portfolio had those documents showing that I was in an active forbearance during the period Select Portfolio reported me as delinquent and said that she herself would esculate the issue but in all of Select Porfolio 's esculated responses to my complaint, they chose to ignore my issue and gave me a word salad of tangent facts. 

Please see corespondances to me from XXXX XXXX regarding my Covid ForbearanceXXXX dated XX/XX/XXXX telling me that the forbearance ( which I was already in ) would be extended for another month, though the end of XXXX. Please see another correspondance from XXXX XXXX on XX/XX/XXXX, telling me that my forbearance would be ending at the end of that month and that I need to call them to be place in loss mitigation which WOULD CONTINUE TO PROTECT ME FROM NEGATIVE CREDIT REPORTING, in addition to protections from a other negative outcomes. Lastly, please see a correspondance from XXXX XXXX dated XX/XX/XXXX, acknowledging that I contacted them on XX/XX/XXXX which resulted in my account being placed in a loss mitigation program and that no other documentation was needed. 

I am not sure why Select Portfolio just wont fix their error intead of giving me the run around when I call them and instead of replying to my complaint in writing with so much information THAT DON'T ADDRESS THE ISSUE OF THEM REPORTING ME 180 DAYS LATE WHILE I WAS IN A PROTECTED FORBEARANCE PROGRAM.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX amount owe {$1100.00} XXXX XXXX Not My debt Called Company to dispute XX/XX/2020 COMPANY STILL HAS YET TO REMOVE/DELETE from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/20 XXXX XXXX ( XXXX ) XXXX Went to Bass Pro Shop in XXXX, Texas and filled out credit application to buy a boat. I found out about it due it dropping my credit rating 50 points. My bank notified me of something strange, so I looked into it and found the issue on XX/XX/20. I looked at my credit report and there was a transaction by XXXX going through Capital Bank. I immediately called the Store and they verified the transaction Reference # XXXX processed on XX/XX/20. They referred me to the fraud Dept. and I waited 2 hours, before I got to talk to a lady named XXXX. She gave me a FRAUD # XXXX and said they would check in to it. I ask how long before my credit would be fixed and she said maybe up to 2 years even though I gave them the name of the person and her email address. ( XXXX ) Capital One Fraud Dept ( XXXX ) XXXX I have been not only had fraud against me my credit report is now XXXX up!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Other problem

Complaint:
I am an XXXX XXXX. I was teaching in the XXXX and moving to XXXX. Prior to my move I notified Capital One to let them know I would be moving and would not have access to immediate wifi. I wanted to make sure I would not be locked out of my account because this happened the last time ai was in XXXX. I notified them I would Also not not have phone access. I arrived and I have been locked out of my account since my arrival on XXXX XXXX2021. I have called them weekly beginning on XX/XX/XXXX. Trying to resolve this issue. I had to provide the actual purchase from my credit card statement by XX/XX/XXXX to reimbursed for my luggage fees of {$1300.00}. They will only unlock my account by sending me a phone code. My phone is inactive as Im out of the country. I notified them of this prior to leaving. I tried to have the code sent to my daughter but I was unable to do it because she is not on my account. When this happened four years ago, they sent me a link to unlock my account online. They informed me they only send phone codes. Although I was never notified of this change. Even when I called prior to my departure. I am now reaching out to file a formal complaint and try to resolve this problem. I want my account unlocked and I want Capital One to reimburse me the {$1300.00} Fees I was unable to submit for reimbursement from my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: FRANKLIN FIRST FINANCIAL, LTD
State: MS
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 items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-04
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Was coerced into taking a large private loan over and above tuition costs for " living expenses '' I paid my loan on time for over a decade following graduation and none of my principal debts went down. All of it was applied to interest - all of which is detailed in the current class action lawsuits pending against Navient. 

I called them and asked for a more favorable interest rate or a different plan to help me to manage my bills and was told there were no options.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I HAVE SENT 4 LETTER OF VALIDATION TO CREDIT REPORTING AGENCIES FOR A LATE PAYMENT SHOWN ON MY MORTGAGE ON XX/XX/2017, THEY HAVE FAIL TO PROVIDED ME WITH NAME OF PERSON, PHONE, FAX OR CONPLETE CONTACT INFORMATION TO WHOM THEY HAVE SPOKEN TO VALIDATE THESE LATE PAYMENT .THAT I F A VIOLATION OF FCRA , THEREFOR I'M REQUESTING THEM TO DELETE THIS LATE PAYMENT BECAUSE IT HAS BEEN MORE THAN 30 DAY AND THEY HAD NOT PROVIDE 100 % ACCURACY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I requested deferment from XXXX, my loan servicer, through my graduate school, the XXXX XXXX XXXX at XXXX XXXX. I knew I was graduating in XX/XX/XXXX, and requested multiple times to be placed off of deferment ( there are records of this ), in XXXX and XXXX ( XXXX I believe based on attached form ). I called and spoke to representatives asking what I was to do to avoid capitalization of my loans and the best thing to do with my interest since XX/XX/XXXX ( I ended up just paying the outstanding portion of my interest in case ). The problem then became that, I was stuck in deferment from the months of XX/XX/XXXX toXX/XX/XXXX which was AFTER I graduated. I then requested again out of deferment, and signed a deferment waiver form, in XX/XX/XXXX, to be placed out of deferment. Oddly enough, the XXXX XXXX XXXX finally fixed my enrollment status and reported it to XXXX. Little did I know I was charged {$180.00} in capitalized interest, with NO notice whatsoever, based on the interest that should have been accruing during those two to three months. They stated this was a " forbearance '' and there was nothing they could do about it. 

My point is A ) My school and the loan company knew full well this would happen, and told me nothing about it in writing or online communication and B ) I received no notice about the late money. C ) Finally I was unaware, and STILL am, of how I could have, or done anything to prevent that {$180.00} from capitalizing, and ending my deferment any sooner. In other words, because of another person 's mistake, I am charged {$180.00} ( this is obviously not about being " fair, '' it's about allocation of interest and where it should go. ). I have never been in default and always pay my loans on time. In fact I've paid down my first loan already. So paying extra interest which was was unknown to me is startling and an unfair business practice. 

Please see attached forms, as I was in repayment not only in XXXX, but also in XXXX, as seen in the form.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Global Corona pandemic and Navy Federal credit union REFUSED to release my COVID-19 stimulus payment! After 2 frustrating calls to their call center explaining my XXXX son and needed the funds release for food, a supervisor NAMED XXXX RUDELY HUNG UP ON ME before falsely accusing me calling her lier ; ALL ON THEIR RECORDED LINES!! 
After the first rude disconnection and her ( XXXX ) refusal to release my funds into my account ; I called back requesting another supervisor to collect names and chain of command complaint contact information. 
Coincidentally, XXXX answered the second supervisor escalation also! Unaware she was THE RUDE/CURT supervisor whod previously hung up on me before identifying herself ; Id asked her to check previous digital call log and provide me with names of parties involved. 
She proceeds and then confirms she was the RUDE/CURT supervisor whod disconnected!! 
XXXX went on to falsely give me inaccurate time stamps of the previous call, which I brung to her attention and reminded her the call was being monitored ; and that Id never called her her lier as shed accused!! 
XXXX then falsely claims shes being badgered ; I then asked if she was XXXX as situation didnt warrant any other plausible reason for her refusal to do her JOB!!! Which was to release the pending funds into my account. XXXX then rudely hung up on me AGAIN, leaving my XXXX son and I HUNGRY!! I wish for call logs to be reviewed and XXXX to be FIRED FOR DISCRIMINATION!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: Experian Information Solutions 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:
There are many mistakes appear in my report without my understanding.

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 2021-04-08
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was held on XX/XX/2020. I have not.been given a reason of why or until XX/XX/XXXX I received a letter stating it was closed for suspected fraudulent activity. I had gone in on XX/XX/XXXX and was told in a utmost rude fashion and disrespected by one of the tellers that they closed it. So I received a statement for XXXX to XXXX closed XX/XX/XXXX statement received late XXXX. Now it's XX/XX/XXXX. I have no funds from my account. Which was over XXXX $ and I on XX/XX/XXXX receive a text and email saying my account which I have had no access to nor have I made any checks out on. Or other payments, is overdrawn XXXX $ with was the EXACT amount of the unemployment check in which they stated was fraudulent. When will I get my money refunded and how is this negative balance even allowed on the account, and how does a bank get awY with taking your money and not telling you why or when especially during a pandemic in which we are already suffering. This is inhumane. I can't qualify for funding cause of unemployment money I received but I don't even have. So how long does my family suffer and my kids go hungry because of this. It's appalling. I need my funds returned.

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 2020-12-12
Company: Experian Information Solutions Inc.
State: CT
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 requested and investigation on XX/XX/2020 and i have not received any update or respond from this company, they basically refuse to investigate. 
follow up letters was sent on XX/XX/2020, XX/XX/2020 and XX/XX/2020. 
this company have no done any investigation, inaccurate information keep been reporting in m y credit report.

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 2021-04-08
Company: Santander Consumer USA Holdings Inc.
State: MD
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:
For all three credit bureaus I spoke to them to see if I can get Santander consumer removed off of my credit report which was a previous loan back in 2010 It was charged off but it has been more than seven years and they will not remove it from my credit report also XXXX XXXX XXXX XXXX it has been more than seven years and I also tried to get it removed off my report and they will not remove it I want both of these removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made additional payments on these accounts with the original creditors which the collections agency is not considering in their accounting. I have advised the company of this fact twice, but they have neither researched my complaint nor even acknowledged my statements to them. I am asking them to reach back out to the original creditors to verify the last balance is accurate. Every time I dispute, the collection agency merely sends me a copy of monthly statements but that does not help me discover the payments posted after the 60 day delinquency date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24
Company: Experian Information Solutions 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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
i use coinbase since XXXX, there no problem at all, until i try login again at XXXX XX/XX/XXXX i got message, " sorry account temporary disabled, contact support ''. 
then i try to contact support via phone but not help, then i submit a ticket via email and XXXX   also to seek for help but not respon at all until now, my case XXXX when i try to login use my XXXX  use coinbase app, they locked my account i dont know how? 
i try contact support via XXXX  and email but no respond at all until now after this problem resolve with coinbase, i will put my crypto currency in XXXX XXXX  coinbase inXXXX is big company they should priority to customer, without customer there is no coinbase at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Gurstel Law Firm, P.C.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX XXXX started to garnish my low income wage by 25 % yesterday without prior notice in any way. They said I owe them XXXX from 2014 which I though that I had paid off. This way not discussed or explained to me in any way. I would be happy to make payment because this garnishment is causing me much harm. It is in dispute currently. They did not follow due process or take me to court or anything. They just starting garnishing my wages without any warning. They will probably say otherwise which is a lie. Can you help me please. XXXX XXXX XXXX. This is Gurstel Law firm phone is XXXX located in XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: CITIBANK, N.A.
State: OH
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:
Unable to view recent transactions on my CitiCard account when I log in. I have tried several different browser, called City, chatted online with Citi with no resolution. The message under recent transactions is " Hmm, looks like there are no transactions for this time period. " ( image attached )

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 2022-12-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The company on my caller is is called Portfolio Recovery. They call at least once per day from multiple different numbers. I have blocked at least XXXX different numbers, and they continue to call to collect a debt Im not having to pay. They never leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
We had some critical repairs arise for our home and took out a home improvement loan with LightStream to cover the cost. After making the first payment, we noticed that the payment went 100 % to interest in 0 % to the principal. That feels like it shouldnt be legal. All of the interest on the loan is frontloaded, making it more difficult to pay off faster.

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