BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-10
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt Recovery Solutions is trying to scam {$590.00} out of me saying that it is owed from a company called XXXX. They are saying that I am past due on a loan from XX/XX/2021. I have not used XXXX in over 7 years! I have asked them to provide me with paperwork showing the loan and me signing off on the loan, then they proceeded to hang up on me. This is completely baseless and insane that a company can act this way and affect my credit with this nonsense!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021, I purchased airfare on XXXX for a trip on XXXX XXXX with my Capital One Quiksilver card. Due to a billing error where my card was charged twice for the same ticket under my name ( XXXX XXXX ) I called XXXX to cancel on XX/XX/XXXX and received an email confirming cancellation later that same day. 

When I looked on my Card Transactions history later in the week, I noticed both charges still posted to my account. I called Capital One to dispute these charges and around XX/XX/2021 my account was credited. 

On XX/XX/XXXX one charge of. {$290.00} as a purchase adjustment reappeared on my bill. When I called to inquire as to why, I was informed that the previous representative I spoke to documented my dispute incorrectly and that the credit to my account would be reapplied which it later was. 

On or around XX/XX/XXXX, my card was again charged a Purchase Adjustment of XXXX from XXXX XXXX, despite my having faxed in the requested documentation proving my refund was valid, the month prior. The representative I spoke to on the XXXX informed me that they hadn't received my documentation and that XXXX sent in paperwork so that the charge would be reapplied to my account for yet a THIRD time in 2 months! 

I find this to be unacceptable as I have now spent over 2 months haggling with Capital One over a refund that I was assured I would receive from XXXX ( through XXXX ) and Capital One!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Experian Information Solutions Inc.
State: TX
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 explanation
Consumer complaint received 2018-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
XXXX has been non-compliant with removing the unverified account BK OF AMER which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that BK OF AMER was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 updated my CapitalOne Credit Card after noticing unauthorized charges. I also blocked vendor ( XXXX  ) from accessing my card. In the meanwhile, as the CapitalOne mailed me a new card for my new account the charge from the same vendor showed up on my credit card transactions again even before the new card was received by me in mail or was activated, i.e. a ) blocked vendor is able to b ) charge my card which is c ) not activated! On my question how it's possible for a blocked vendor to access my not-yet activated new account/card or why did they share my updated financial personal information and new card number with a vendor that I specifically blocked, the CapitalOne keeps telling me that it's VISA who might have shared it with the vendor not them?! Whoever does it I think commits a financial fraud. Please note that the charge is still not taken off my account even though I opened dispute month ago and even though the CapitalOne confirmed that the vendor had been blocked from charging my new account/card. I spent hours talking to CapitalOne with no resolution, they would not even want to share with me how can I file an official written grievance and who do I send it to. I think unauthorized sharing of private financial account information and putting charges without owners authorization is a fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-17
Company: CarMax, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I went to Carmax on XX/XX/XXXX and purchased a 2010 XXXX XXXX. The car came with a 90 day warranty, and the engine failed literally on the 91th day. Since the summer of XXXX, this car has been parked in my driveway undriveable since it needs a whole new engine. 

Regardless of the engine failure, I have always made my payments every single month. Approximately in XXXX of XXXX, my credit union XXXX XXXX merged with XXXX  XXXX XXXX XXXX, and it caused some problems with the routing # and account #. I was assured by the bank that I could continue to use my same account numbers to make my payments, as I had been for the entire year before. So every month I'd call CARMAX and make a payment over the phone using the same information I've been using. Well due to the merger, my payment was rejected for the month of XXXX, leading to a late payment in XXXX of XXXX. I was never notified by CARMAX of this. By the time I realized what was going on, this account was going on 60 days late and the only reason I found out was because I received a XXXX letter from Carmax. After speaking with Carmax they stated they tried to call me, but the phone number they called was entirely incorrect, it was not even close to my number. I've had the same number for 25 years, so it was not due to me changing my number and not notifying them, they simply had a wrong number and it was not my fault. As soon as I found out about this, the account was brought current. Since then, I only walk into CARMAX and make a payment physically to avoid this from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Every time i created an account with them, they disable my personal account. Why???? If you can't provided to all U.S person, why  this crazy institution say we can send money via online too...??????? XXXX.......Say. This company is soooooooo humane rise tooooooo many people in USA.Thanks,XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been receiving repeated calls from this company called Credence Resource Management regarding a personal matter which they will not disclose. They only wanted me to confirm my personal information to them, which I believe will and can be used for fraud or identity theft.  Since Credence Resource Management called me on a local telephone number, I was under the impression that it was an important call and had to pick up. While picking up several of the calls made by Credence Resource Management on my phone, it had put me at risk of getting into a car accident. Their tactics of using a local number is deceiving and their communication to me is very likely to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
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 customer service

Complaint:
I called Penfed over 10 times about not being able to login. I was told it is out there hands and cant help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX {$340.00} XXXX  XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX {$540.00} U.S. DEPARTMENT OF EDUCATION XXXX {$11000.00} USDOE/XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX  XXXX {$5100.00} XXXX XXXX | Date of Inquiry : XX/XX/XXXX View / Edit Dispute this XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX View / Edit Dispute this XXXX XXXX XXXX. XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX | Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX | Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2021-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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, XX/XX/2021.

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 2018-01-31
Company: Navient Solutions, LLC.
State: WA
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:
In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXI had  my full tax returns taken by XXXX XXXX first and navient the next 2 years. I called and got transferred. No answers. I am finally back on my feet. Getting a home again. The financial hardship this caused me is indescribable... how do I fix what they did?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/XXXXI attempted to send money from my account to XXXX. 
They denied me and prevented me from sending my money to another legal company doing legal business in the US. 

It is my legal right to do this and they prevented me from doing so. 

I would like your assistance in helping remedy this prevention of my legal rights. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: SERVICEMAC, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The servicing of my mortgage was recently moved from XXXX to ServiceMac. Just before the transfer, in XXXX, XXXX was working on removing the PMI from my loan, because I had reached over 20 % equity. The current balance of my loan is {$350000.00} and based on my amortization schedule that puts me at 77.8718 % resulting LTV %. On XX/XX/2021, I sent an email to ServiceMac 's mortgage insurance email address stating the same. They responded on XX/XX/2021 saying that they had received my completed PMI removal request, going through the notes the prior servicer did not complete the processing of your request, but they have opened a task to have a PMI Waiver specialist process the request. On XX/XX/2021 I responded with a thanks, and asked to be contacted one it had been completed, reminding them that I had yet to make my XXXX payment. On XX/XX/2021 I logged into the portal to check to see if this had been done but noticed my monthly payment due was still reflecting the PMI amount. I called customer service and spoke to XXXX who looked into my account and said that the processing of the PMI removal had been CLOSED due to not finding the paperwork!!! I told her about the XX/XX/XXXX email and she had no record of it. I asked her to contact the mortgage insurance department and she said someone would get in touch with me within 24 hours. It is now 24 hours and I logged onto the portal and my monthly payment due was still reflecting the PMI amount. I have responded to the email chain again, but I believe this is my last recourse to try and get this resolved. ServiceMac has terrible recordkeeping and communication with customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
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:
Given that Equifax is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint.. I have attempted to have Equifax clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me. Remove XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29
Company: World Acceptance 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:
XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX  and XXXX . XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: WELLS FARGO & COMPANY
State: MI
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:
They put hard inquiries on my 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 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In 2016 my father suffered a XXXX XXXX XXXXnd was in my care.He passed Away the care of myself ; which required me to leave my residence and move in to my grandmothers residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts. All accounts are listed in the 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 2021-10-26
Company: EQUIFAX, INC.
State: NY
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:
Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I transferred approximately $4800 worth of BTC to my Coinbase account from XXXX. I received messages on both ends that the transfer was successful. Then when I checked my Coinbase account, the money was not there. I called and complain with sheer panic that the money had just vanished. They informed me that somehow the money had been transferred to XXXX, and sure enough when I checked there was money there. So I proceded to try to withdrawal the full amount, and it showed an error stating that was an error withdrawing from XXXX and that I should transfer to Coinbase in order to withdrawal. So I did that, but then then things got even weirder. I couldn't convert my BTC to USD at all in order to perform the withdrawal. So for days my money was stuck as BTC which was steadily dropping. Finally I called again, and the lady said she had no idea what happened and had to make a ticket for an advanced technician to investigate the matter. The next day I had $XXXX  even in my USD wallet. I was again so excited that the nightmare was over, but when I went to withdrawal the money, it said that I owed $XXXX still. I didn't understand at all how I could owe any money let alone $XXXX, especially while I had XXXX  already in the account. It gave me 4 ways to pay, my credit card, 2 of my wifes credit cards, or I could subtract it from my XXXX USD wallet. Anyway I tried every method, now it says I owe 0 dollars, but I can't withdrawl still because it says I owe 0 dollars. HELP ME PLEASE!! I think they stole my money, or got hack and are trying to cover it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/XXXX I was in email contact with XXXX XXXX at XXXX XXXX XXXX   (XXXX & XXXX) in regard to financing a used vehicle through that dealership.  After discussing financing options, I informed XXXX by email on XX/XX/XXXX that we decided against purchasing through XXXX XXXX XXXX XXXX. In XX/XX/XXXX, after receiving multiple credit denials from multiple finance companies for both my husband & I that we did not authorize, I check our credit reports, and learned that on XX/XX/XXXX multiple inquiries were made to our credit report on behalf of XXXX XXXX XXXX XXXX.  My husband contacted XXXX XXXX XXXX finance dept & informed them of these unauthorized inquiries & he was told (did not get persons name) that they would take care of it. On XX/XX/XXXX, we received yet another credit denial letter for both my husband & I.  This time it was from XXXX XXXX on behalf of XXXX XXXX XXXX.  So I again, checked our credit reports to find another unauthorized credit inquiry on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
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:
Hello, I was enrolled in XXXX college back in XX/XX/2015 then it suddenly closed. I applied twice to get my loans forgiven from navient since I meet all the criteria to do so. Both times Ive got denied and continue getting billed for a degree I did not receive. Ive called multiple times, customer service is horrible and did not help at all they rudely continue to say I need to pay on the loans regardless of my situation. I know I do not have to pay, not a XXXX!

Company response to consumer: Closed with explanation