BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-28
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient recently informed me that the company failed to capitalize my accrued interest when I entered repayment in XX/XX/2016, and that it would do so now. For the last two years, Ive relied on the amounts that Navient showed when making payments and suddenly they want to take an action to remedy their error from almost two years ago. Furthermore, instead of capitalizing the amount of interest at repayment going forward, Navient backdated the capitalization to XX/XX/2016. As a result, my loan balance increasedwith the incorporation of interest that wasnt actually accruing and that I couldnt have known about because Navient erred in servicing my loans. ( As reflected in the statements attached, specifically XXXX to XXXX. ) I called the company multiple times, and they refused to take any action, including removing the additional amount added to my loan balance as a result of their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
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: Information belongs to someone else

Complaint:
I submitted a police report for fraud accounts and fraud addresses, appearing on all three credit reporting agencies. XXXX and XXXX removed all the fraud accounts and addresses but Equifax still showing all the fraud accounts and addresses on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Complete Credit Solutions, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According to NC XXXX XXXX Banks, the original creditor XXXX, is not license to provide loans in the state of North Carolina. Also, the collection agency has violated FCRA through harassing calls, threatening arrest and not able to validate debt with original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: OneMain Finance Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
From XX/XX/2020 until now, i pay about XXXX, the statements show that the company put whatever amount to interest and small amount to principal, every month fluctuating amounts and when i ask to pay principal equal to interest they stated i can not. So i can't pay with cash, check, credit card.and.subject to thier format.of payment division. Also they report higher amount on fico report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
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: Their investigation did not fix an error on your report

Complaint:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am a victim of identity theft and have never applied for a XXXX XXXX XXXX XXXX XXXX credit card account, but Chase Bank is trying to hold me liable for account ending in XXXX which is a fraudulent account that I never applied for and the account dont belong to me. Chase Bank is discriminating against me by trying to hold me liable for a fraudulent credit card account, refusing to let me apply for a Chase credit card account and discriminating against me by deliberately denying my application for credit due to the fraudulent credit card account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Account was opened fraudulently without my knowledge or permission even after filing a local police report company still reporting this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Sent two letters thru the mail stating that I have an credit card account with XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX the card is a XXXX Card? It states that my card has been suspended due to irregular transactions and my card is permanently closed. I don.t know who this bank is. I tried to call them and they wanted personal information over the phone, one letter even asks for me to send them this information. 
I feel like I have been targeted and they are fishing for information. who is this bank and why did they send me these letters when I do not have any dealings with them. I am not responsible for any account opened with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have attempted multiple ( 30+ times literally with 6+ Different authorization methods ) to prove to Citibank I am real. Ive given them multiple phone numbers, which they state they cant use to authorize account, authorized via portal multiple times, sent demand letters x2 ( Im attaching their most recent response to my sending a signature card per their request, a selfie, a copy of my license and others ). 

They refuse access to account. Meanwhile Im on ssdi with no acceSs to money. Help, please.

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 2020-08-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I made agreed to a debit transaction for {$910.00} to XXXX XXXX, a clothing store in XXXX XXXX, NV. Unfortunately, the clothes were never delivered to my hands. I waited extensively 2-3 hours beyond the agreed time and still did not have the clothes in hand. I requested the merchant to refund the order on XX/XX/XXXX. The merchant executed the refund on XX/XX/XXXX. 

Thirty days later, I am again charged {$910.00} for the same order according to the merchant. I have never received the product. I requested the Merchant to credit the amount back. The merchant never returned the funds to the account. 

On XX/XX/XXXX, I have finished compiling my account information for taxes and discover that the funds have never been credited to the account. I initiate a claim with my bank Wells Fargo Bank. On XX/XX/XXXX, I receive an email that the account will not be credited and the dispute is closed. I call Wells Fargo Claims on XX/XX/XXXX, after the explanation of the dispute request being over 6 months old they can not get my money back and direct me to work with the Merchant, XXXX XXXX I inform them of my efforts and ask to speak with a supervisor. I am then transferred to XXXX, a claims supervisor. XXXX takes the time to evaluate the VISA transactions to corroborate my situation. After VISA corroborates my story, XXXX informs me that the corporate policy is to not refund anything older than 120 days. I ask him to evaluate this as Fraud because the merchant continues to charge me 30 days after a refund. He says he can not. I ask for contact with a corporate executive to hear my complaint.

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 2019-01-19
Company: SYNCHRONY FINANCIAL
State: NC
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:
Hard inquiry I did not authorize from SYNCB/ Lowes XXXX XXXX FL XXXX on XX/XX/2019. Initiated a XXXX XXXX dispute.

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 2018-09-28
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-23
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$23000.00}, {$31000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my 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 2018-06-26
Company: Gold Star Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
This company has sent several individuals to show up at my house on a daily basis. They give out information about the debt to other people that are not me in order to embarrass me to pay. This harassment has been going on for month. I also get daily calls from different numbers and they never state who they are in voicemails. Once i return that call they tell me who they are and are very hostile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am concerned that my mortgage servicing company, Wells Fargo, recently ( XX/XX/XXXX ) hired a real estate appraiser who provided a ridiculously low home valuation, thereby enabling Wells Fargo to keep PMI on the mortgage. The PMI costs us about {$100.00} per month. I also had to pay Wells Fargo {$100.00} to get this Broker Price Opinion ( BPO ). The house was purchased in XX/XX/XXXX for $ XXXX ( after having initially been listed for $ XXXX ( $ XXXX/sq.ft. ) during the height of the real estate boom ). 

The BPO only had to get our home value to $ XXXX ( $ XXXX/sq.ft. ) to remove PMI. XXXX suggests the home is now worth $ XXXX. XXXX   suggests the home is now worth $ XXXX. XXXX suggests the home is now worth $ XXXX. However, amazingly, the BPO concluded the house 's present value was only $ XXXX ( $ XXXX/sq.ft. ), thereby preventing removal of PMI. The BPO acknowledged the existence of $ XXXX of added-value improvements since purchase, but apparently the broker did not feel those improvements added any actual value to the home. The BPO suggested a power washing of {$800.00}, and found nothing else deficient with the house. 

By contrast, in XX/XX/XXXX the house across the street from us sold for $ XXXX/sq.ft., in XX/XX/XXXX the house two doors down from us sold for $ XXXXsq.ft. In XX/XX/XXXX, a house around the corner sold for $ XXXX/sq.ft. In XX/XX/XXXX, an older, significantly smaller house three doors up from us sold for $ XXXX/sq.ft. ( These figures are all verifiable at XXXX ). Disappointingly, none of these sales were considered in the broker 's BPO. The broker found it preferable to compare us to homes miles away instead. We only needed to get to $ XXXX/sq.ft. to remove PMI, and it baffles us how the broker could not reach that figure given the average actual price for square foot in our immediate neighborhood. My wife and I feel cheated by this BPO purchase from Wells Fargo, who has an incentive to keep PMI on the mortgage. We feel that maintaining PMI is very unfair given the reality of the actual local real estate market.

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 2020-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I wrote and mailed a check to Capital One Bank on XX/XX/2020 for an allegedly debt for credit debit. We agreed if they cashed the check all debt with debt would have been cleared and they will remove the negative accounts from my credit report from all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Premier Student Loan Center
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
ON XX/XX/XXXX I WAS CONTACTED BY PREMIER STUDENT LOAN CENTER FOR AN OFFER TO COMPLETELY FORGIVE MY XXXX  $ IN STUDENT LOANS. ALL I HAD TO DO WAS TO MAKE 5 TIMELY PAYMENTS TO THIS COMPANY WHICH I FIND OUT DOES NOTHING BUT PROCESS DOCUMENTS THAT ARE NOT NON APPLICABLE BUT THAT I COULD DO FOR FREE MYSELF. THEY STATED THEY WORKED DIRECTLY WITH THE DOE BUT REQUIRED MY SOCIAL SECURITY NUMBER AND CREDIT CARD INFORMATION TO GENERATE A DOCUMENT AND A NEW FSA ID NUMBER. THEY HAVE SET ME UP WITH 5 MONTHLY PAYMENTS STATING THAT IF XXXX $ IS PAID THEN XXXX $ WILL BE AUTOMATICALLY FORGIVEN. THE ZERO PAY SCHEDULE FOLLOWING THE 5 PAYMENTS SIMPLY MEANS YOU HAVE PAID THEIR FEES FOR LOAN PROCESSING DOCUMENTS. I HAVE ALERTED MY BANK TO ALLOW NO DEBITS FROM THIS COMPANY CONDUCTING FRAUD AND I HAVE FILED A CLAIM WITH THE ATTORNEY GENERAL OFFICE AND HAVE MY SOCIAL SECURITY NUMBER CONTINUOUSLY MONITORED FOR SUSPICIOUS ACTIVITY. I DEMAND THAT THE COMPANY PREMIER STUDENT LOAN CENTER IMMEDIATELY CANCEL AND FURTHER TERMINATE ANY RELATIONSHIP BETWEEN THIS SCAM AND MYSELF. MY STUDENT LOANS ARE PAID EVERY MONTH THROUGH XXXX AND ARE NOT IN ANY KIND OF DEFAULT. I HAVE ALSO ALERTED NAVIENT TO THE NAME OF THE COMPANY AND REPRESENTATIVE WHO SOLICITED ME. I AM ATTACHING ALL DOCUMENTS TO THIS WEBSITE AND TO THE STATE OF GEORGIA ATTORNEY GENERAL 'S OFFICE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery Associates, LLC will not stop calling me even though I've requested many times that they stop calling me. I'm a XXXX Veteran currently living on SSI while I await my claim with the VA and suffer from XXXX, XXXX, XXXX  XXXX, XXXX XXXX XXXX and many other illnesses. 
The last time they called was XX/XX/2018 around XXXX and the lady said her name was XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed Portfolio Recovery Associates on my credit report around XX/XX/XXXX/XX/XX/XXXX time frame. So I started disputing their alleged debt, they said I owned. I was looking for someone to answer questions about this alleged debt. I sent correspondence after correspondence, without them answering my actual questions I asked. Portfolio Recovery keeps responding with very canned responses. Ive tried to write directly to the CEO or anyone with firsthand knowledge. No one at Portfolio Recovery is able to answer my questions, on this alleged debt. It seems they hide behind a depart such as disputes department to answer question. Hints they really do not having anyone the tell me legally how they are staying on my credit report and still trying to collect on this alleged debt, they really do not have much info on. Portfolio also keeps asking me to provide more information. If I dont recall having this debt, why would I have more information?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Nationwide Debt Management Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
They have violated my rights with harassing calls at my place of work, harassing calls to my family members and friends as well as threatening me on my personal phone. They call all of these places with the same threatening story that I am going to be served at my employer and sued for non payment if I don't pay them by a certain time that day. 

I have requested numerous times to have the information on this debt sent to me in writing so I may review the accuracy and legticmy of this debt. You refuse to give me an account number or any information on this debt. I am hung up on every time I make this request. I am also hung up on when I ask for their contact information. I was only able to get their company name and address by tracing one of the numbers they have called me from. 

They only say the original debt is XXXX XXXX but give no loan number or will not send me any written information on this debt. They say they are a law office hired to serve me on this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: PA
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:
n accordance with the Fair Credit Reporting Act XXXX XXXX : XXXX violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: HYUNDAI CAPITAL AMERICA
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:
I have these inquiries on my credit report that I did not authorize, nor do I recognize. I am in the middle of having a home built and have not requested, or applied for any credit over the past 11 months per my mortgage lender. The inquiry, or inquiries, on my credit report were made without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
I checked my credit report and noticed a citibank card reporting that I never had someone is using my information

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 2018-06-29
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company called Central Credit Services , LLC is attempting to collect an alleged debt that I owe to a collection company named XXXX XXXX XXXX. I am unaware of these collection agencies and I do not owe any money to these companies. This alleged debt has been placed on my credit report and I am requesting it to be removed immediately.

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 2021-05-05
Company: Radius Global Solutions LLC
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:
Keep on calling. Initial i was polite to say the i am not the same person they are looking for keep calling atleast 2x a week. In some occasion calls and hung up.

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