BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-18
Company: Navient Solutions, LLC.
State: MN
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 had countously time called and talked to Navient about them helping me start a repayment plan that will be affordable for me. After speaking with them I told them to help generate a report for me to see so I can see it in detail but I never recovers anything. So when I tried to connect with them again regarding the report and the repayment program, they kept saying that they will have something for me in the next few days. Then when I saw the new payment reflected my account I had to pay, it was more than what it was the first time theyre charging me. Furthermore, I reapplied for the repayment plan and then all of sudden they came up with XXXX dollars for me to pay so I went and go ahead and paid for the first two months now and when I looked at my account history he two months Ive been paying for was only Going towards the interest to the organization and not even towards my principle I took out. Im very frustrated and I need your help to demand them to stop my loan. Its something I can not trust them with anymore. Please contact help me with what you can. Thanks you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
in the month of XX/XX/2018 submitted documentation as proof i do not owe collection in the amount of $ XXXXIt has been nearly 3 months since the company agreed to remove collection and negative charge off continues to show as of today. I wish for this to be removed as promised

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: American Mortgage Service Company
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I XXXX XXXX XXXX, entered into a consumer credit transaction with AMERICAN MORTGAGE SERVICE CO. XXXX of 2018. I used my credit card as defined under 15 USC 1602 ( l ) and there was a finance charge involved as defined under 15 USC 1692 ( e ) because they falsely represent the status of a debt. Also the finance charge is the sum of ALL CHARGES, therefore the alleged debt is null and void.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
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:
XXXX XXXX pilot who travels a lot and has been loyal XXXX  XXXX XXXX Customer since early XX/XX/2000, back then they had best online bill pay. Signed up or responded to XXXX XXXX XXXX XXXX XXXX offer that had points like XXXX & since I travel a lot I realized I was not getting a bill / paper statement of which I always want not an online bill which disappears when computer has a bad day or lighting or you pick the reason. I called them & they say I choose paperless which I never do since my dad 's business got audited twice when I was a kid and he always said thank XXXX for the paper trail!! I have always had over 800 score until now I have a Adverse Acct. / XXXX XXXX XXXX XXXX XXXX / late of which they blame me when I always have a min. of XXXX to XXXX XXXX  in their Bank which will change soon & Direct Deposit from XXXX XXXX which will change soon. Why would I have Thousands in their bank & have a title of Premier Customer & get a XXXX XXXX  limit of which I did not need. Why would I not pay a couple XXXX dollar bill, DOH?? 
I will be switching to my more local banks whose online bill pay has improved & who I can look in the eye if I am unhappy or they can call me if something is late. 
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 explanation
Consumer complaint received 2018-04-11
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
OnXX/XX/XXXXI spoke with American Express about the debt in question. I let them know I was going through financial hardship and wanted to setup a payment plan. I was told about the details of the payment plan and the amount necessary to begin it. I did not have the full amount of money available at that time, and told them I would contact them no later than XX/XX/XXXX to setup the payment. They told me that was fine and that the looked forward to hearing back from me.

Next, I received a phone call on MondayXX/XX/XXXX from XXXX who said she was representing XXXX at XXXX telling me that she was contacting me about a debt and to call her back at ext. XXXX. On WednesdayXX/XX/XXXX my brother called me informing me that someone from XXXX called him about me. I did not have time within those 48 hours to contact them back and did so today.

I asked to speak directly to XXXX who spoke to me originally and was told she was unavailable. At that point, I asked to speak to a supervisor and XXXX XXXX ( sp ) came on the phone. I informed XXXX about my contact with American Express regarding the payment plan to which he told me that was past the due date. Additionally, I requested that XXXX no longer contact family members about this debt since they had my direct contact information. He asked for the phone number I wanted not to be called to which I did not want to disclose. At that point, he asked for the number best to reach me while cutting me off on the phone. When I requested that he be respectful to me as I was to him, his response was to tell me to call them back when I'd like to speak about the debt. I did not have time to give him my phone number as he continued to cut me off. At this point in time, I asked to speak to his manager. He forwarded me to someone's voicemail.

Additionally, I asked for him to send me a validation of the debt in writing. He did not acknowledge this request.I do not know if this debt is valid and could not get them to agree to cease contacting family members when they had valid contact information for me.

I do have a recording of this conversation and let XXXX know before starting the conversation that he was being recorded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
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 status incorrect

Complaint:
I called XXXX and sent a dispute to the credit bureau in XXXX about the account still showing open on my credit report. XXXX is saying the credit bureaus take 90 days to update their records. Which is false ... one because I did a dispute with experian and XXXX lied and told them the account is still open. And they are refusing to correct it 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 non-monetary relief
Consumer complaint received 2020-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was victim of identity theft as a result of being XXXX and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. I BELIEVE THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COMPANY AND THEY ARE COOPORATING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft since 2017. 
This company is trying to collect debt that is not mine. Nor am I aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: 360 MORTGAGE GROUP LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I contacted 360 Mortgage group on XX/XX/XXXX regarding endorsing a insurance check from damage occurring to my property from hurricane Florence. I was advised by a representative named XXXX that my mortgage had been sold out to XXXX XXXX XXXX  as of XX/XX/XXXX and they were not endorsing my check. I even offered to overnight the check to 360 mortgage and pre-pay for them overnight the check back to me. After reaching out to XXXX XXXX, XXXX advised me they had no records of receiving my mortgage from 360 mortgage and they could not help me. After playing phone tag back and forth I called 360 mortgage back and XXXX again answered the call and I advised him of what XXXX XXXX had said he then again refused to help me. I asked to speak with a supervisor and he refused to let me speak to one saying one was not available. Can someone help me? I need my house fixed and the contractor is ready to start. I have tried contacting the insurance company but without documents from 360 mortgage stating my mortgage has been transferred they can not change the name on the insurance check. 360 mortgage is refusing to provide documents for this transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX account was originally XXXX XXXX XXXX. It was removed previously for being inaccurate and was reinserted by XXXX XXXX. They violated my rights by doing so and also did not inform me or ask my permission to reinsert the account within 5 days in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Expedite Financial, Inc
State: IA
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:
XXXX  continue send me email about credit cards. The I already been a prove. 2 months a go. I was opening the emails and filling the information the was ask. Always was Denied. The company XXXX  was referring me Continue open my credit report. My score when down 54 point. I finally figure out there game. Now the want me to hire some with XXXX  to increase my score, also they want to apply for credit. They know the I wont qualify. My score its low. Plus I got an account charging me {$1000.00} Which was my ex the primary person.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I am needing to get a duplicate title from the State of Iowa in order to register my vehicle in Kansas. The original title was sent to me from Toyota of XXXX XXXX but was lost in transit. I was told the the lien holder Toyota Financial Services was required to send in a request for duplicate title. I contacted them on XX/XX/XXXX to request the duplicate title and was told the the request was put in, and would take about 2 weeks for them to get the duplicate title back and then they would send it to me or the DMV. I have since called them on XX/XX/XXXXandXX/XX/XXXX checking on the status each time they have told me that they have not received the title from the State of Iowa yet. So today on XX/XX/XXXX I called the XXXX County Treasurers Office who the request would be sent to and was informed the a request for the duplicate title was never received, and it is only a 1 day processing time to get that duplicate title sent back out. When I called back to talk to Toyota Financial Services the resolution specialist then told me it would be 4-6 weeks for them to send out the request. I dont have 4-6 weeks, the vehicle I purchase needs to be registered by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: XOOM CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I sent US {$85.00} to my niece XXXX XXXX XXXX who lives in XXXX, on XX/XX/XXXX. The total of transaction including the service fee was {$89.00}. I made the transaction in the morning and my niece went to pick up the money in the afternoon the same day. I have sent money to my family through XXXX multiple times since 2010. 

When my niece went to pick up the money, she was told that the transaction appeared on the computer as " complete ''. She immediately contacted me via XXXX to let me know the issue. We verified that the transaction number ( # XXXX ) was correct. 

I called XXXX the same day, then the next day. They told me they'll investigate the issue. For the next days I wasn't able to call XXXX because I went to XXXX and wasn't able to use my phone for international calls. For the next days I sent XXXX emails multiple times asking for an explanation about this money. They responded that they were investigating the issue. 

Two weeks later, I received an email informing that the investigation was completed and that the money was picked up and the case was closed. 

I called XXXX the same day and I asked them to send me proof that my niece received that money. Also, I suggested to investigate the case with the personnel that handle the money that is picked up in XXXX. I'm from there and I know how fraud and malicious activities can easily be done by people that work for companies. Also, I requested to speak to a manager or someone that could help me. So my call was transferred to a supervisor and she told me they'll investigate further. That was last Monday. As of today I haven't received any response about this situation nor the money back. 

I have proof of multiple transactions for bigger amounts for years!! Your help will be greatly appreciated. 

My name on this account is XXXX XXXX ( my married name ). I have divorced a long time ago and requested a change of name and address but for some reason it appears again as XXXX XXXX. My maiden name is XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11
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:
I just looked at my credit report and was shocked to see the numerous amounts of errors XXXX  have listed. I am filing a complaint to have remove them immediately. XXXX Report Number : XXXX, claimed information that is incorrect and error on my credit report as accurate and verified. Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. I received a letter from XXXX XXXX/XXXX   only that was not validated or verified proof of the late payments that are reporting on my credit reports. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to, promptly delete all information which can not be " verified '' I " validated '' that I have disputed. I have not received any verification or validation of late payments reporting from XXXX XXXX XXXX and XXXX XXXX in which was originally reporting 30 days late and was updated on my credit report to " ND. '' IDENTITY THEFT REPORT ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: JPMORGAN CHASE & CO.
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
1. On XX/XX/XXXX I reported an unauthorized charge. A merchant stated there would be a XXXX charge for a transaction and charged {$85.00}. I contacted Chase filed a dispute offered proof and was informed to hold on to said proof till necessary. I cooperated with them when contacted. Each time I offered proof and instead of asking that the proof be submitted I was informed that it would be noted in my case. Chase reversed the {$85.00} credit. Chase employees dropped the ball refusing to obtain proof and they take away my {$85.00}. 2. I recently moved from XXXX to XXXX XXXX. Due to the move, there were issues with my check. Today my Chase account is going crazy. It seems that there was an issue with one of my work checks. There was money deducted from my account without my knowledge. I was never alerted of what was going on till this morning. It should be noted that Chase states in their email that the check was returned on today 's date yet, XX/XX/XXXX, after receiving their email and checking my account I noticed that the money was deducted on yesterday 's date, XX/XX/XXXX. The missing money is causing purchases to bounce. Chase is penalizing me for something beyond my control. I am being charged overdraft fees for purchase made with the knowledge that there were insufficient funds in my account. They are charging overdraft and returned check fees for something I was not aware would happen. My account is in a disarray. My next paycheck will be severely affected. I just paid my rent. If I take a hit on my next check there will be XXXX dollars left in my account and as a single parent with XXXX daughters, this would be devastating. Chase is penalizing me for something that is not my

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-24
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:
I am a victim of identity theft and did not make the charges. I ask that the item be blocked to correct my credit report. I've been fighting these accounts for several months with the credit bureaus and i'm getting no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and did not make the charges. I ask that the item be blocked to correct my credit report. I've been fighting these accounts for several months with the credit bureaus and i'm getting no help at all.

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 2021-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To whom it may concern : I went to the bank to find out that capital one decided to end our over twenty year relationship that I had faithfully even when the bank was XXXX XXXX. Im selling golden retriever puppies and Im a victim of fraudulent cashiers checks that were sent via XXXX  to my house. I had no idea that depositing these checks would result in the current situation Im in today. I even called capital one after I deposited them to inquire what would be a good release date to ship the puppy to the client. I was informed by visiting a branch today that capital one no longer wants me as a client. Ive already called and canceled my direct deposit paycheck I will be going elsewhere. 

A matter has been brought to my attention this evening from a friend who asked me if I canceled or try to send him a XXXX request. I did no such thing as I cant even securely login to my account. This matter needs to be addressed immediately. Listed below is a screen shot of the XXXX. Obviously, capital one isnt secure and I guess these scammers are now hacked into my bank account. 

I will be contacting an attorney for the way and lack of communication that capital one has had with me. The embarrassment that I went through and the mistreatment where capital one treated a XXXX plus year client as a fraud. 

Im also listing the correspondence from what I assumed was legitimate people wanting to buy a puppy. 

I recommend with your lack of security and ability to help your clients, that you terminate all my account immediately. Let this email serve as a fair warning that someone is trying to request XXXX  payments that is not me or not authorized I have filed a police report with my local sheriffs office. XXXX XXXX XXXX Sheriffs office Deputy XXXX radio number XXXX. Case number XXXX. 

All the above correspondence was emailed to XXXX Capital one case number is XXXX Ive also sent all screenshots from my phone either text messages or email communications from the potential buyers/scammers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-05
Company: PNC Bank N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PNC created changes that do not allow me to link my bank account to online stock trade platforms such as XXXX and XXXX

Company response to consumer: Closed with explanation