BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-16
Company: Paypal Holdings, Inc
State: NY
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 purchased an item online that turned out to be a scam. The amount is {$110.00}. I originally contacted my bank, but they relied on the information from PayPal and deducted the amount from my account. I never received this merchandise and PayPal has refused to refund my money even though this is a fraudulent company. This fraudulent company has sent a stolen tracking number to PayPal to show that something was shipped and delivered to my address. It was a tracking number assigned to another person who purchased an item from XXXX. My purchase was not from XXXX. It was from a group calling themselves " XXXX XXXX XXXX XXXX XXXX ''. No one responded to my email, nor is there an address or phone number for this company. I have contacted PayPal via phone and text. Either way, they would not respond to my call or text. They originally said on my first call that they couldn't do anything because XXXXXXXX XXXX  was working on it. They are no longer have anything to do with it. They charged my card back for {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: IN
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. 
IT HAS NOW BEEN OVER 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE First letter sent XX/XX/2021 30 day demand letter XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: SC
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:
Hello, sorry to bother you today but hope you're having an excellent day. Anyways Experian and XXXX  has failed me and the law. I've mailed them both disputes in XXXX and XX/XX/2020 on some disputes that they have failed to respond to. I just want the inaccurate accounts removed. 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 2019-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a note today that CapitalOne would be closing my account due to inactivty. They put me in restricted status saying they'd close my account in 3 months. There was no prior notice and I had been receiving my status and promo emails from them as usual. 

When I spoke to customer service agent she told me there was nothing that could be done and connected me to a manager. He told me that " CapitalOne made a business decision to close my account '' since I had not used it in the previous 37 months and they believed I " had no intention of using the account ''. 

Why does my intent to use the account matter? Why did they not send me notice before there was no intervening? I am not pleased with CapitalOne since their decision, which had no negative impact on their company, will cause my credit to shift around based on the limits and age of this line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: DISCOVER BANK
State: FL
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:
Ive been with my partner since XX/XX/XXXX-XX/XX/XXXX. 
Lived with him, we currently have same billing address, same home address on my drivers license, etc I moved out XX/XX/ from XXXX XXXX, not feeling safe and my belongings were missing and he started disputing charges on my XXXX   account and anything from our relationship ... who knows what else when I left ... 

He lent out his cards and gave permission to use it and gave me his pin ... he was present at the times of the purchases. He told me his pin, birthday, the numbers etc. Years of approving until I moved out XX/XX/. Hes stating that its fraud, unauthorized transactions with his space coast union credit bank and discover cards. Clearly, theres been many transactions where hes bought airline tickets for me and him, transactions from XXXX throughout the year, stores, nail salons, etc ... with the same cards. Never once did he dispute anything until I left. Now Im supposed to pay for his chargebacks on my XXXX  account. 
I have evidence we were together ( emails and texts ) and many witnesses including his son that he let me use his card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: U.S. BANCORP
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On Friday XX/XX/XXXX I made a purchase online for XXXX and since it was at wrong location they were supposed to refund the money. Because that did n't happen in enough time on Tuesday Morning I was overdrawn by {$6.00}. and some change. I immediately went down and deposited XXXX to cover the overage as the items had not been officially posted yet. 
That brought me into the positive {$13.00}. At that point all of my pending transactions were accounted for in the available balance. ( I have receipt as verification ) Later that day an overdraft fee for XXXX was added to my pending transactions despite the fact that i had enough for all pending transactions to post without overdrafting me. 

This overdraft fee brought me into a balance of negative XXXX. The bank then proceeded to post all the transactions i had made on the XXXX which would have been fine but they posted the over draft fee as the first item, and re ordered my transactions to cause me a futher overdraft.and then they charged me for two more fees.
I tried calling branch manager but she was rude and insisted it wasnt bank error.

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 2018-01-29
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Account : XXXX I have a loan with XXXX which I presumed closed and paid in full in XX/XX/XXXX but I come to find out whilst filing my taxes this year that it is still open with a balance of {$770.00} with an extended due date of XX/XX/XXXX. When I made a lump sum payment of {$58000.00} on XX/XX/XXXX, at the time I assumed my loan was paid in full because this was the total amount and even if it wan'ts in full, I would not assumed that Nelnet would automatically EXTEND my due date so that I can unknowingly continue to pay interest until XX/XX/XXXX. Customer service informed me that I paid off the principle balance but neglected the interest, if I would of known I would off paid it off the following month when my statement comes but since they automatically extended the due date, I wouldn't have known unless I received an email stating that my tax documents was ready- which I usually ignore since I know that I paid off the loan in XX/XX/XXXX thus nothing to report on. 

This automatic due date extension is extremely deceptive. You can pay off your total amount due ( or what you presume is due ) but since interest is compounded daily, you actually wouldn't of pay in full unless you call and get the actual total for that day. I never consented to this automatic due date extension. My intentions when I paid $ XXXX in XX/XX/XXXXwas to pay off the total, not to have a lingering amount to help Nelnet accrue interest off me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/XXXX CONTINUATION to MY FORMAL COMPLAINT Pin # XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Capital One Cases : XXXX, XXXX CFPB No : XXXX Dear XXXX XXXX and Capital One : This letter again is in response to my complaint to ( CFPB ) regarding my complaint of receiving XXXX XXXX credit card account personal information being sent to my email address, and sending mail/offers to my home address. 

You stated as of the date of the last letter, you removed my name and address as it appears above, from your mailing list, however, on XX/XX/XXXX I received a letter from the following : Capital One Quicksilver Rewards, XXXX XXXX XXXX XXXX, XXXX, VA XXXXand I spoke with someone there in reference to it and she never responded. XX/XX/XXXX letter from Capital One VentureOne Rewards to the name and address you have supposedly removed. ( Copies of envelope attached ). 

As I stated to you in my complaint, this is very stressful dealing with this continually and as I stated in my earlier complaint, that if this continues, You are still sending me offers at the same name and address you claim that you have removed. Each time I have to deal with this situation it is costing me a stressful time and you all need to compensate me for my time and stress, in my original complaint I asked for a {$1000.00}, now I am asking for more {$1500.00} because it is continuing and for my pain and suffering and time and aggravation in dealing with this continued matter. I am asking you for the last time to CEASE AND DESIST and remove my name, address, email and any other information relating to me from your records, all records, offers, etc. I am not a customer and do not want to be a customer of Capital One. I will be contacting Consumer Affairs to file another complaint if this is not resolved in a timely manner. If I can not get this resolved, I will be contacting a lawyer. 

This letter will serve as your legal notice to CEASE AND DESIST all further mail, emails, correspondence and all further mail actions described above. You are hereby instructed to comply with this letter immediately or face legal actions under applicable Federal and State laws. 

I may utilize recordings to document any telephone conversations that we may have in the future if u fail to comply with this cease and desist letter. I intend to keep a log of any contacts you make with me after you receive this letter. 

Please give this very important matter the utmost attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX or XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX fax # XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX original complaint. With all the companies responses. 

Per Your last communication response through cfpb Although we submit updates to the reporting agencies each month, we do not furnish information that accounts are past due to the credit reporting agencies. Depending on the current condition of a given account, we will furnish an account as either Account assigned to internal or external collections, Account paid in full, was a collection account, or Account paid in full for less than the full balance. 

I was. Notified today that you flagged me for non payment on all XXXX credit bureaus. 


You also stated you would stop debt collection for 90 days in the same prior communication they cfpb. 

Per this exact conversation dated - XX/XX/XXXX You convey that you can not afford to pay the balance due to recent financial hardship related to the COVID-19 pandemic. We are sensitive to your situation, and in keeping with the Hardship guidelines found in Article 2 of our Consumer Bill of Rights, we have placed a temporary hold on collection activities against you for the next 90 days. 
ATTACHMENTS XXXX ( XXXX KB ) Feedback provided STATUS Feedback provided on XX/XX/XXXX Which you have violated. 

I contacted your company to make an effort to pay your company shortly before court. Your Supervisor stated he would not make any deal or option for payment until my complaint was removed. I called again a week later and was told the same thing. 

You have violated my right to freedom of speech. 

Your company has violated my rights multiple times. 

If I filed a complaint originally it was because you were breaking the law. 

Then you refuse my offer to settle debt, until I remove my complaint for you violating my federal rights in the first place. 

So I went to court. Your representative did not show up. 

The judge waited for hours. They still did not show up. 

I was told the case was closed. 

Today I am notified that you violated my credit. AGAIN. 

what happen to 90 days? XX/XX/XXXX thru XX/XX/XXXX hmm What happen to forcing me to remove my complaint? 

You won't make a deal for repayment until I remove my complaint. I told you I wouldn't remove it. 

You can not force me to remove a complaint against you or your company. 

Then you no showed for court. I told the judge what you did. 

So please. 

If you would like to push this matter further. I would be glad to find a very over zealous attorney. 

This is now my 2nd official federal complaint against your company for violating laws that were put in place to protect individuals from companies like you. 

You refused to settle. 

Because of complaints I filed. 

You didn't show up to court. 

And the you violated my 90 days of covid consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
When, the cosigner and I made payments the balance never went down. We tried to get a reduction in the payments or the interest rate and they declined. We did a financial statement over the phone in that was also declined. They double the payment if we would went thru the program which was 6 months. When you asked fir a forbearance they want to charge you {$50.00} dollars. But, you would not get the paperwork. I asked for a XXXX paper work they claim they sent it but never received the documents. We also asked for a payment arrangement. Which they gave us three options. Reduce interest which was about {$45.00} dollars, the second option was for bring the account current with the past due amount. Which, I told them everybody is on SSA or on FMLA. They didn't want to help us. Our last conversation with Navient was for a settlement which was 95 percent of the balance. Which, they never gave to much details on payment arrangements or how long the terms was. The amount was XXXX which couldn't help us. I notice the loan have been charge off in XX/XX/2019. Also, I notice on a letter that you sent by CFPB in XX/XX/2019 you stated on a envelope with our last name no forward address, unable to delivered. The postal office add this information. We received all of our mail by the XXXX which was provided to our customer service rep multiple times and there was a forwarding address on it. This label look made up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
Please be advised on XX/XX/2021 I sent in a dispute regarding False/ Inaccurate information on my credit report. Per FCRA 609 all information on my credit report should be reporting accurately and it is not. I have tried to contact the company on many different occasions to let them know of their Illegal behavior regarding my credit report which is subsequently damaging my quality of life. I will be seeking litigation regarding this manner because It's been more than 30 days no verification nothing but the False items still remain on my credit report. Also be advised i was apart of the Equifax data breach aswell.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Fein, Such, Kahn & Shepard, P.C.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Hello I opened a HELOC in XXXX. Paid on time every month. In XXXX the bank decided to sell our loan to another company. Before we knew this we were not late. 
We tried to make the payment and the account was close. No one had any info for me. 
Since that time I've opened other accounts and this issue never came up. 
In XX/XX/XXXX, I decided to try to put our home on the market, so I had a title search done, it was then that I found out that this other company had our loan. 
I called to confirm who they were after a couple hours and a call back I was informed that this company purchased my loan in XXXX from XXXX XXXX  now known as XXXX. 
It was Purchased for {$58000.00} and they are saying we now owe {$87000.00} They issued a complaint for foreclosure. I never received a Act 91, I never received any info or documents on who to pay how much to pay, and when to pay. 
I feel this is predatory because they allowed the interest to accrue without the options to pay. Keep in mind when they sold the loan I wasn't on any payments because I had to options to pay, One was going into the account to pay directly the other was drifted from the bank that I was opened with the bank. 
I am soliciting you help in this matter so this dose not happen to anyone else. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I bank with wellsfargo and been with thIs bank for many years. I signed up with XXXX through my bank thinking I was protected if any fraud or scams were to occur. I made a payment in the amount of {$450.00} for a XXXX XXXX gift for my mom. I scammer never sent the merchandise and I am unable to get back in contact with them. I contacted XXXX XXXX   no help. Contacted my bank they told me there is nothing they can do. How could this be happening I asked? I used my bank account to access XXXX like I always do thinking Im protected when sending money. Unfortunately WellsFargo did nothing to help and the Representative saw the transaction and told me the payment was sent to a XXXX account.

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 2019-10-10
Company: Credit International Corporation
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection appeared on my report that is not mine. I have not owned a car in almost 20 years so I dont see how this could be mine. 

No actions where taken against me, I was only notified through a credit alert. 

I believe this is some sort of identity theft. 

Collection Agency : Credit Intl Corporation Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$3300.00} Amount : {$2800.00} Reported Collection Credit Report : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Transunion report XXXX XXXX  - XXXX XXXX did not request an inquiry from this company XXXX XXXX XXXX XXXX, XXXX did not request an inquiry from this company XXXX  XXXX XXXX XX/XX/XXXX did not request an inquiry from this company XXXX  XXXX - XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX did not request an inquiry from this company XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX did not request an inquiry from this company XXXX  XXXX - XXXX XXXX did not request an inquiry from this company XXXX XXXX XXXX XX/XX/XXXX did not request an inquiry from this company XXXX  XXXX  - XX/XX/XXXX did not request an inquiry from this company XXXX XX/XX/XXXX did not request an inquiry from this company XXXX- XX/XX/XXXX did not request an inquiry from this company XXXX XXXX  - XX/XX/XXXX did not request an inquiry from this company XXXX XXXX XXXX XXXX XXXX XXXXXXXX did not request an inquiry from this company None of these inquiries were authorized. According to the FCRA legally these items are unauthorized and must be removed.

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 2021-07-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian and XXXX  are reporting inaccurate information on my credit report. Unfortunately, after months and months of sending letters stating error they still continue to report wrong and misleading information. I have sent letters with evidence, I have called XXXX and they said they dont report payment history so I dont know how the credit bureaus are verifying this information. 
I have sent documentation proving my on-time payments for the past 3yrs. 
XXXX is the account in error Payment History is the section of error Thank You in advance, Best Regards, Mr. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief