BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
The expiration date on my credit card from Capital One was XX/XX/2020 and I had not received a replacement card, so I called them XX/XX/2020 and the representative advised a new card would be sent out. I waited a few weeks and followed up since nothing was received. The person I talked to again apologized and said they would take care of everything and get a new card to me. Still waiting and nothing came in the mail. Early XX/XX/2020 I received an email from a credit monitoring service indicating an account had closed. I investigated and found it was my Capital One credit card. Additionally, my credit score dropped 40+ points as a result of that account showing closed! I called Capital One on XX/XX/2020 and talked to XXXX who identified herself as an Account Supervisor. XXXX advised the account was closed due XX/XX/XXXX due to no-activity. I explained a replacement card was to have been issued two months earlier and I had home improvement projects to purchase, but had put them off since did not want to use the credit card that had an expired date and was waiting for the replacement card to make the purchases. XXXX apologized saying there was nothing she could do. XXXX acknowledged the XX/XX/XXXX conversation, but now that the credit card was closed, she could not re-open it. I feel the correct solution is for Capital One to honor what they were supposed to have done and issue me a replacement credit card. Additionally, the date open of this card should match the original date open of the account that was closed in error. The trade-line of the closed account should be removed from reporting so it does not adversely impact my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: Profit Services Group
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA, XXXX All correspondence between the debt collector, Profit Services Group, and I is attached. 

I have sent the debt collectors, Profit Services Group, a request for validation and their response was : " Reviewed account and complaint. the account has been notated and disputed entered in credit report. '' That is not a validation of debt. 

Please advise Pursuant to the FDCPA, communication is defined as any direct or indirect communication about an alleged debt. The debt collectors, Profit Services Group, continuing to furnish this alleged debt to a consumer report makes them in violation of my rights as they are indirectly communicating with me about this alleged debt. Also, this alleged debt has not been validated by any means which also constitutes as fraud. 

This is the last notice. If you fail to comply with the following, as a consumer I follow up with whatever action necessary. 

As a consumer I demand that you provide and do the following actions : Provide documentary evidence that validates that this alleged debt is mine ; Provide documentary evidence that legally grants your company permission to collect on this alleged debt ; Delete this account from my credit file as the reporting of any alleged debt that has not been validated is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Navient Solutions, LLC.
State: AL
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:
I completed my time at the school and made the agreement to pay the fees. I completed my payment and now when I ask the registrar at the school Regarding my account she continues to try to upsell me and ask that I return to the school she will give me a letter stating my fees were paid in full if I reenroll. I have explained to her on numerous occasions I will not be continuing my education at that school and it is hindering me and my credit. They have reported the information incorrectly and as long as I return to that school they will give me the proof I am requesting. I want the proof I am requesting so that I can have this removed from my credit. 

XXXX XXXX XXXX Alabama

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
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 {$33000.00}, {$7500.00}, {$3900.00}, {$18000.00}. 
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. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$33000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$3900.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -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 2018-07-27
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Before going into the business of collecting debts for creditors from North Carolina consumers, a collection agency must first obtain a state collection agency permit. A collection agency must also include its permit number in each written communication with each consumer debtor. 

1. I have requested an ID number & North Carolina Department of Insurance permit number from Credit Acceptance, they have not responded to date. 
2. On all of my statements from Credit Acceptance, I CAN NOT find a permit number referencing Credit Acceptance authorization to collect in North Carolina.

3. Referencing attachment, I certified mailed a letter dated XX/XX/2018 requesting that Credit Acceptance furnish me information about the vehicle. I have not received a response to date. Under the FDCPA & FCRA, all creditors MUST respond within 30 days. The letter was delivered and accepted certified mail by a XXXX XXXX on XX/XX/2018. I have not to date received a response which is a violation under federal laws.

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 2022-10-05
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: EQUIFAX, INC.
State: WI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Submitted Dispute on credit report, incorrect reporting on accounts ( ie, collection item, which evidence from Insurance Company, was provided showing Im not liable for ) and personal information and outdated items on XX/XX/XXXX via XXXX Dispute webpage, on XX/XX/XXXX via fax and XX/XX/XXXX via XXXX Dispute webpage. No confirmation and no evidence has been provided that items have been removed, inquiries have not evidence that it was me requesting the cred and most recently, after a credit freeze was requested after the theft of my wallet on XX/XX/XXXX new inquiries have appear, which I have not requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Before the end ofXX/XX/XXXX, I met someone online after 7 long years I 've been a widow, I never dated anyone so I thought I try the online dating, I did. For few months were corresponding, 24/7 communication through texting, emails, and calls..I fell in love with XXXX XXXX this was his fictitious name. During our correspondence he told me that he is working as a XXXX XXXX in XXXX business name XXXX, I checked it out then, it was all real and his name and photo was there, so everything seems to be valid and real. So then everything seems to be good. So, we continue to our relationship, I was comfortable, happy, secured, and inloved! Fast forward ... one day he told me that his company is about to give him payment for his finished construction project in XXXX government but he needed my help in order for him to get his payment to process all the documents to transfer the money in my account here in the US so when he comes and moved here financially everything would be ok. I believed in everything he said and I trusted him. So then, he said he needs {$8600.00} for the documents then, he sent me all the information of the XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, HIS account number XXXX and IBAN OR swift. He told me to put " GOODS '' on RECEPIENT PURPOSE of payment so it would be easy to send the money I went to the Bank of America to make the wire transfer on XX/XX/XXXX, the transaction was done. We had a good communication after that ... until around XX/XX/XXXX that 's when I found out I was scammed. I was manipulated. HE IS GONE!
I was shocked! devastated, ashamed, lost, XXXX, empty! I had to call the police to report this and advised me to call FBI and also file a complaint, and I did. I had to make an appointment to the FBI office to show them all the proof and evidence that I was scammed.
It 's been months I have been so XXXX. I had to see my doctor and seek a counseling because of this. I was /am XXXX.
I ask the Bank of America, CFPB and XXXX XXXX to help get my money back from the RECEPIENT 'S ACCOUNT. It is my savings account that I worked so very hard to earn it is a CLEAN LABOR AND SWEAT! Please help me. Thank you so much.

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 2017-08-07
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX # XXXX lists me as " Paid was 90 '' or delinquent 90 days. I was NEVER delinquent. I had applied for deferment. I called them to confirm they had my paperwork. They confirmed it. I called again later and then they stated they could n't find it. I told them to look again and they found it. The paperwork was turned in timely and before the deadline. The account has been transferred and is being reported multiple times. It should be removed due to inaccuracy and duplication. It is impacting my credit and I was denied a home loan.

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 2017-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX # XXXX lists me as " Paid was 90 '' or delinquent 90 days. I was NEVER delinquent. I had applied for deferment. I called them to confirm they had my paperwork. They confirmed it. I called again later and then they stated they could n't find it. I told them to look again and they found it. The paperwork was turned in timely and before the deadline. The account has been transferred and is being reported multiple times. It should be removed due to inaccuracy and duplication. It is impacting my credit and I was denied a home loan.

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 2020-11-29
Company: HW Holding, Inc
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Contacted through both XXXX  and XXXX  and XXXX as varified with no explanation. I dont live in Florida nor have i received anything verifying this is my debt. Asking for this collectins tilo be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Deceptive and confusing website signed me up for a subscription against my clear wishes to the contrary. 

I attempted to get my free credit score directly from transunion, it kept sending me errors. I needed it ASAP so I paid for a credit report not a subscription. My payment was rejected several times, so I my order was processed and then later charged for XXXX dollars. I then called the company after a 60min+ hold I was told I would only be charged once for the credit report and I would not be charged again. I would be refunded all the extra charges. Over the past month they have continued my subscription and continued to charge me. I do not have the time to spend 60mins on a very difficult to use helpline. In my opinion they are intentionally using poor service and difficult user interfaces on their website to make extra money from people. 

Details on non refunded charges below : Transunion Order Number : XXXX TransUnion Report, Score, and 3-Bureau Credit Monitoring Subscription Fee {$24.00} XX/XX/2020 - XX/XX/2020 Transunion Order Number : XXXX TransUnion Report, Score, and 3-Bureau Credit Monitoring Subscription Fee {$24.00} XX/XX/2020 - XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-18
Company: RentDebt Automated Collections, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying to work with the credit bureaus ( XXXX, XXXX, and XXXX  ) to remove erroneous credit information ( judgement ) for XXXX from Rent Debt Automated Collection since XX/XX/2015, for a debt I do not owe. To date, I have been unsuccessful in doing so. After numerous attempts to try to resolve with both the credit bureaus and Collection Agency, I decided to contact the XXXX XXXX XXXX and they too advised me that there have been many complaints about Rent Debt Automated Collection agency for reporting erroneous unsubstantiated claims against many individuals. I have been harassed and talked to in a unprofessional manner as well as, threatened. Since I have no knowledge of the amount owed, and nothing to show I owe, I am asking that, I receive intervention from CFPB to have this remove from the ( 3 ) credit bureaus. More importantly, hold Rent Debt Automated Collections Agency accountable for their harassment and the mental stress they have caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: NAVY FEDERAL CREDIT UNION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy Federal Credit Union has frozen my account access online, in person, and is rejecting ACH transfers costing me $ XXXX/Nonsufficientfund requests that I had made totaling {$270.00}. The account has been frozen since XX/XX/2019, and conversations with their customer service has gotten no response. Customer service refuses to give a reason for the freeze or a time table for resolution. I was told that a representative would call me " at some time, '' but no actual range of times were given for the call to arrive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
On XX/XX/XXXX I filled a claim with Citicards Advantage Mastercard Travel Benefits due a lost luggage claim. I submitted all the paper work after my luggage got declared lost. I received a email from then later saying that I never submitted the claim, where I actually have as proof the email sent at the day I stated on here. Now they do n't want to pay for the lost luggage because they said I need to send the replacement receipts. I already sent all the receipts from all i bought before I lost the luggage as proof of items that I lost. On the Guide Protection Benefits on the Lost luggage is not stated at all that I have to purchase all the items again, I mean I lost the luggage. I am not filling as delay luggage! Even so they are still pending due this receipts. They should have on the Guide Protection consumers PDF that when you loose a luggage you should go re buy everything in order to get paid for the items you lost. They are wrong because it should have in that book, also many years ago my husband got a luggage lost and did n't need to re buy everything. I need you guys help in this matter please. The CITIBANK Advantage Mastercard cards also they have the worst customer service, before I told the problem on the phone to them, I asked about the Protection and they only told that I have to submit the receipts of what I had on the lost luggage, then later they kept asking me they need the receipts now from the replacement, where in the guide the replacement receipts are only asked for damage claims. Everyone should be very cautions with Citibank cards because honestly the are a such Scam and they have the worst customer service, I have to make a lot of calls at the claim department and have to wait for a long period of time as well.
I am very disappointed with Citibank Advantage Mastercard.
I highly do not recommend this card to anyone!

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 2019-08-13
Company: Debt Recovery Solutions, LLC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They have contacted me several times over the same debt that they have sold to various companies. I asked them to stop calling me on my cell phone and they have called my work also even after i told them to stop. This company has reported the same debt on my credit report 2 times for the same bill and will not remove them. 
Company : Debt Recovery Solutions Amount : XXXX Original Creditor : XXXX XXXX XXXX XXXX. 
I tried to make payment arrangements with the original creditor and they refused payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: JPMORGAN CHASE & CO.
State: MI
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 was denied the credit for the Chase Business Ink card because they said I have a history of delinquency per XXXX  with XXXX  XXXX on XX/XX/2021 ( which I informed them, on XX/XX/XXXX, that this is entirely incorrect and not on my report ). I requested my XXXX  report after denial and it too reflects no delinquencies at all. Chase told me I would have to reapply for the card in order be reconsidered. This is something I will not be doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX I sent documentation for unknown and inaccurate accounts on my credit, over 30 Days today but I've never received any response. I was a victim of an XXXX Data Breach. I demand to delete those accounts or I will file litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation