BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-18
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
To Whom It May Concern : On XX/XX/2018, I tried to open a bank account at XXXX XXXX XXXX as was denied due to an amount of {$330.00} reporting to XXXX by XXXX XXXX XXXX, now known as XXXX XXXX. After calling the bank to inquire and asked about how long it would be before the account was removed from XXXX, I was put on hold then blind transferred to a collection agency by the name of Convergent. 
The collection agency answered the phone after a blind transfer, how may I help you? As I was blind transferred at that time, my girlfriend identified herself as XXXX XXXX and the collection agency failed to get my authorization to speak with her and failed to mention company name and/or give mini miranda. At this time, the collector didnt know the answers to the very specific questions regarding the account they were collecting for their client, XXXX XXXX/XXXX XXXX. Not to mention blindly transferred to them without knowing it until later on when my girlfriend clarified from a very late Mini-Miranda. 
The questions being asked by XXXX XXXX were specific to the account Convergent was collecting for She wanted to know more about the ChexSystems process, which is the question I had initially asked the bank before the blind transfer. He continued to tell her he didnt know when the account would be deleted from XXXX. After clarifying I was transferred to a 3rd party collection agency, she asked for a supervisor that may know the answers to the questions she was inquiring about. 
She also failed to mention the Mini-Miranda, also asking for the name on the account my girlfriend again stated her name and they continued to discuss the account without getting authorization from me. They even asked if the account was for XXXX XXXX. She said yes. These are clearly violations of the Fair Debt Collection Practices Act ( FDCPA ) for the following reasons : - My girlfriend was with me and wanted her to speak with the collection agency. Collection agent answered the phone how can I help you at this time I didnt know we were even on the phone with collection agency ( Convergent ) Mini Miranda was not given by collector until later in the call. 

- Collector asked for name and my girlfriend clearly identified herself as XXXX XXXX and at that point they continued to give her information without asking my permission. 


- Supervisor by the name of XXXX XXXX advised her after the conclusion of the call that she didnt violate any laws by speaking with me and she can talk to anyone who calls. 

- In addition, when I contacted the company regarding the debt in XX/XX/XXXX, they failed to send me validation of the debt.

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 2018-10-13
Company: EQUIFAX, 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:
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX   and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me  an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I owed a debt for unpaid fines to XXXX XXXX XXXX XXXX. The amount is {$5400.00} and it is from a case in XXXX. The case that those debts occurred from has been expunged and the debt should have been erased. I notified the debt collector MSB  that this had happened. They asked for proper documentation which I sent over immediately. Their now saying the debt is still valid and my court papers are invalid. My documents are issued from the XXXX XXXX recorders office they are as valid as they come. Because of this debt there is a lien on my credit which is preventing me from getting a driver 's license. I have contacted them numerous times with no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Navient Solutions, LLC.
State: NY
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:
I owed {$14000.00} back in XXXX since I didn't get resonable payment option. My loans have been placed on forbearance knowing it's going to benefit them. Now in XXXX I'm in {$30000.00} debt due outrageous interest on the principal. They refuse to give income based payment. I was told I'm not qualified for the program. They refused to reduce the monthly bill. I can't afford it meanwhile I still owed {$15000.00} school fees currently pending. I need a full detail of why my original loans double. Please investigate on my behalf. I'm drowning in the educational debt but I didn't graduate yet because my current wouldn't let me register unless I pay the tuition in full. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX18, I paid off the entire balance of my Capital One Visa card in the amount of {$7600.00}. I made my payment before the due date of XX/XX/XXXX18. On 1XX/XX/XXXX18, I received a bill from Capital One for {$93.00} for more interest. I called and spoke to a representative and a supervisor on 1XX/XX/XXXX18 regarding this additional interest. I explained that I was previously a party to a class action lawsuit against another credit card company regarding this practice in which the court ruled against the credit card company. Since that time, I have seen several news stories reporting that this practice was illegal. Capital One refused to take this interest charge off of my bill, so I advised them that I would be filing a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-08
Company: LendUp Loans LLC
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I contacted Lendup  Card Services to close my account and was told I was not allowed to close 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 non-monetary relief
Consumer complaint received 2022-10-22
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Regions bank stole identity and used my SSN as a fake LLC and went back to 2017 when opened account and forged an application of me paying myself as a XXXX to myself so I looked like both the borrower and the loaner and falsified all XXXX MTHS of statements until this mth stealing my savings account and making it the funding account to my deposit only checking account and turned checking account into a credit deposit like pre paid gift card type deal using my employee wages and churning like {$6000.00} deposits out with falsified withdrawals equalling same amount in like XXXX days out of XXXX day billing cycle making me go broke paying myself entire time - changing and forging all my checks and charging {$50.00} fees on a {$4.00} account and undoing all my auto pay bill payments making them late and unpaid and making entire XXXX yrs as if I had no job income and now interest and dividends only and turning into stocks now saying they are my debt collector for fake liens per my dept of revenue tax ID account and stole all interest made on every account and converting into foreign currency and charging 4 % for my electronic transfers btw accounts and pretending I had cash advances and balance transfers and bill pay from them when I was locked out of online account for most of this year forging fake letters sent to me changing my account etc - over XXXX dollars they falsified splitting cycle into half months like {$6000.00} in XXXX  days then another {$6000.00} second half month stealing my collateral credit card opened with {$500.00} own money and said I had line of credit w them and really used it to pay my fake credits worth nothing now as my income in checking 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 2022-08-26
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: Public record information inaccurate

Complaint:
I have disputed a bankruptcy showing on my Experian credit report several times, and Experian has not fully investigated and removed it. On letters I have received, it shows they use a third party called XXXX, which resells information to Experian. Based off of this, I have verified that this public record is no longer showing on my XXXX report, however, Experian is still reporting it. 

According to the letter provided by XXXX ( Attached to this complaint ), XXXX initiated a dispute on my behalf with Experian.

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 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ; XXXX XXXX XXXX and XXXX 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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have been submitting multiple letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the TransUnion s end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2017-06-08
Company: BMW Financial Services NA, LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In  XXXX  I purchased a   XXXX   XXXX   XXXX   from BMW of   XXXX   ( IL ). I owned the vehicle for three ( 4 ) months. During the months of ownership the vehicle was returned to the dealership for repairs on four separate occasions for mechanical issues.
<P/>
As a result of the consistent mechanical issues with the vehicle, I returned the vehicle as a " voluntary repossession ''.
<P/>
I have requested, through BMW of North America and BMW Financial Services that the outstanding balance owed be forgiven since the vehicle had significant mechanical issues, and is a vehicle under factory recall for some of the issues I experienced with it.
<P/>
Each entity has " passed me off '' to the other, indicating that the other entity is responsible.
<P/>
I am only requesting that the claimed balance be removed from my credit repair. BMW of  XXXX  acknowledged possession of the vehicle. The debt has been " Charged off ''. However, it remains on my credit report as owed.
<P/>
I disagree that I owe this balance, and have been mistreated each time I make contact with BMW of North America and BMW Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act, Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EdFinancial Services
State: OR
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:
I graduated from XXXX XXXX  on XX/XX/2022. I have XXXX XXXX and Direct Unsubsidized federal loans. In XXXX, I contacted my servicer, EdFinancial to let them know that I had graduated, and asked that they update their records. 

On XX/XX/2022, I submitted a repayment application, requesting an income-driven repayment ( IDR ) plan and indicated that I wanted to start making payments under the plan immediately. My XXXX XXXX loans were placed in an IDR, but not my Direct Unsubsidized loans. 

I contacted EdFinancial by phone and they told me to submit another repayment application, which I did, on XX/XX/2022. On XX/XX/XXXX, I emailed EdFinancial to ask about the status of the application. On XX/XX/XXXX, they replied and said that it would take 7-10 business days to be processed. 

On XX/XX/2022, I submitted another IDR request. I then emailed EdFinancial again on XX/XX/2022, letting them know that if they were unable to resolve this issue for me in a timely manner, that I would be filing a complaint with CFPB. I attached all three IDR requests. I have not received a response to that email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My client has been trying to do a short sale however his tenant has not been collaborating. Actually she does not want anyone in the home because she wants to purchase the property herself. If you can send something in writing that tenants or previous tenants can not purchase the property that would be great. Anyway my client had to hire an attorney and go to court. Her lease expired in  XXXX  and she did not get out of the home! The judge gave her until  XXXX   XXXX  to move out but she is not collaborating with showings. I have another chase short sale and I know that it has to go through the modification process first before it goes to equator. Is there anyway you can start reviewing our clients paperwork while the tenant moves out and we can get you an offer?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance {$0.00},

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 2019-04-16
Company: Experian Information Solutions Inc.
State: AZ
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 loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX  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 2015-09-14
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
National Credit Systems continues to report to XXXX XXXX XXXX that I owe XXXX Aparments {$4000.00}. I have told them numerous times that they have made an error, and that this debt does not belong to me. I have never lived there. In fact, I have lived in my current home for over eight yeras. They claim that they have nothing to do with the debt being on my credit report, and if I want to contest it, I should contact XXXX XXXX Apts directly. I have done this, and XXXX XXXX tells me they have no record of my name having a debt with their community. I reported this information to National Credit Systems, but National Credit Systems continues to report this error on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
To whom it may concern : My name is XXXX XXXX XXXX XXXX. I'm writing this complaint to find if my mother " { XXXX XXXX XXXX } who is deceased since XX/XX/XXXX, had these two IRA accounts closed out. I just found them my parents ' house when we were cleaning out boxes of their property. 
My parent 's address was XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this will be name and address on the two IRA accounts that I have, and account numbers are on next page of your letter. 

I wrote to the office of the Comptroller of Currency, and they directed me to write to your office. 

Both my parents are deceased now, and I am the only child. My dad passed away XX/XX/XXXX, his name was XXXX XXXX XXXX. 

The accounts are from XXXX and were both with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. Since then, the bank was changed several times and most recently is under name J. P. Morgan Chase. 

I tried the local branch but wasn't successful in getting help. 
I have both books and account numbers if needed. 

Please see if you can help me find out if they were closed or not and how to get funds back if they are still open. 

Thank you XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2021, I tried to purchase air tickets on the official website of XXXX XXXX, one of the world 's largest airlines. However, my city premier card was declined. I called citi, and they denied that it was their problem, because they did not see the transaction, and started to blame the merchant. This was not the first failure I had with this citi card, and they continuously blamed the merchants rather than look at their own system. I have attached the screen shot to prove that the transaction indeed was submitted to citi for process and it was citi who declined it. I would prefer to have this case escalated to the highest level such that the rights of the consumers could be protected. Thanks.

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