BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-05
Company: STERLING JEWELERS, INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I paid the full balance off My XXXX XXXX account in the amount {$430.00} at the XXXX XXXX XXXX store located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I received a notification that my account was 30 days past due and now have a 30 day delinquency on my credit report, this has dropped my credit score by 64 points. I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX to have this corrected. I was told the {$430.00} payment I made was applied to the wrong account. I was advised it would be correct with 24-48 hours, it was n't.  After weeks I re-contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX and I was told by a supervisor nothing was done to have this issue correct from the last time i called on XX/XX/XXXX the funds are still in the wrong account and the Credit reporting agency have not been notified to remove this 30 day delinquency and report the account with a XXXX ( XXXX ) balance and current. I am in the middle of buying a home and this is putting my home loan approval at risk.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: ALLY FINANCIAL INC.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX Went online to make payment. Website would not allow. There was a phone number to call. When I called they said my mortgage was sent to a collection agency two months ago due to no payment. 

The website show my payments were made. I have never missed a payment or have been late. They refused to let me to talk to me and said the loan is closed. I also looked to see if they reversed the payments and it showed no payment reversals. 

I called six times and it now just forwards me to a collection agency. 
I keep all statements. The last statement I have is XXXX statement. I go online and download and keep for my records. I went online to try to get the XXXX statement and they have blocked me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Today on XX/XX/XXXX, I received a phone call from XXXX XXXX stating I owed {$290.00} to XXXX. I told them I had already paid this with another company and asked how long they had the account ; the lady stated 57 days and it would be reported to the credit bureaus on XX/XX/XXXX. I kept telling her I already paid and I owe nothing. Additionally, I checked my bank statements and it was indeed paid on XX/XX/XXXX to Credit Management and I called to verify with them and it was indeed paid. I feel like this may be a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Paypal Holdings, Inc
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have roughly {$1700.00} in my PayPal account balance. Since XX/XX/XXXX, I have been unable to withdraw money to my bank account, send the money to friends or family, or purchase any goods or services with the money. 

I have spoken with 4 different PayPal representatives on the phone on XX/XX/XXXX for 2 hours. Some restrictions have been lifted on my account. However, I am still unable to send my money to my bank account, send it to friends or family, or to purchase any goods or services with the money. 

I was repeatedly told that the system identified my account as " suspicious '' even though I have used that PayPal account for years and had fully verified my phone number, my SSN, my passport and my driver 's license, all of which extensively proved my identity. PayPal support refused to provide any answer on if or when I will be able to access my funds again. 

I am completely unable to use my PayPal balance in any capacity and PayPal support refuses to assist me in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was going over my report and found AFNI # XXXX listed on my credit file. I have never seen this account. I have no knowledge or memory of it. I am demanding a investigation of this information. I need to do my own research as well. I am requesting a CEASE AND DESIST until I can further go over the records or contracts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2021 Navy Federal Credit Union denied me of credit. 

Federal law make it clear that a consumer can not be denied of a God given right. Banks dont have the power to lend money or credit. Banks function because of consumers. As a consumer I extend my credit to Navy Federal Credit Union and thats how they become a creditor. Im at the Original Creditor. Banks are corporations/corps mean it is a dead entity, banks cant talk, banks are powerless. I am the natural person. I have the power. Navy Federal Credit Union violated my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Experian Information Solutions Inc.
State: CA
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:
This is regards to complaint # XXXX, Please be advised Under Federal Law ( Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I 'm entitle to physically verify or vision any information such as signed Original Contracts or applications with my signature. Experian has investigated the accounts several times. I need Experian to forwarded me signed documents with my signature Please. Under the FCRA laws mentioned I 'm entitled to vision and Physically verify the information being reported.

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 2018-06-04
Company: EQUIFAX, INC.
State: MD
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 previously tried to have the 3 CRA 's to update my credit report showing the deletion of my Discharged CHXXXX and all accounts that were associated. On XX/XX/2018, Experian deleted and removed item from their credit report. ( Report # XXXX ). According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this  disputed item must be updated to reflect the deletion of the bankruptcy. XXXX has updated credit report but XXXX and Equifax has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX Phone Number ( XXXX ) XXXX Services were discontinued XX/XX/2018 and supplies were returned through XXXX at that time. I do not owe 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 2019-07-30
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lakeview Loan Servicing did not pay my taxes for XX/XX/XXXXuntil XX/XX/XXXX. On XX/XX/XXXX I requested to have my escrow account deleted. I received a denial letter stating there was a negative balance of {$540.00} therefore the escrow could not be closed. On XX/XX/XXXX I paid the negative balance in full ( conf # XXXX XXXX. At that time I was told the account would be closed in 3-5 business days. Today XX/XX/XXXXI was on hold for over one hour and was told the escrow account is still not closed. Asked to speak with supervisor and she didn't have any answers either. She stated that department was in a different building and could not be reached by phone, only email. She said she would escalate this situation but could not give me a time frame or a direct number for her to follow up with.

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 2022-08-11
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 US 1681. 
XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX  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 written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.15 U.S.C . 1681s - ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a validation letter to the medical debt company Optimum Outcome INC on XX/XX/2018 ( I attached the certified mail receipt ) and I waited to receive a response to show that this debt is mine and I never received a response. Since I never received a response I sent a 609 letter to both XXXX and XXXX on XX/XX/18 letting both beaus know that I sent a validation letter and I didn't received a response and I asked them to either validate the debt or remove it from my Credit Report because it is unverified debt. Both credit beaus responded to my dispute and said they validated the debt and it will not be removed however they also did NOT send me any validation or the steps they took to validate the debt. On XX/XX/2018 I sent a 2nd 609 letter letting both beaus know that this is the 2nd debt validation and explained on the letter that I sent a validation letter and I didn't received a response and I asked them to either validate the debt or remove it from my Credit Report because it is unverified debt. I received a response from both beaus on XX/XX/18 stating again that the debt was validated and again they did not send me any proof. This is not my debt and I have been asking for validation since XX/XX/18 and no one will send it to me. Can this account please be removed from my credit reports. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I have negative remarks on my report that I do not recognize and are unverified. I contacted the bureaus and creditor to validate and I have not received any notification or validation. I was informed that they would investigate this within 30 days. 

Please assist with me with this matter. 

TRANSUNION XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Unverified account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX ) Unverified account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX ) Unverified account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The payment history is incorrect. Late payments from XX/XX/XXXX were all on time. 

Account Name : XXXX I don't recognize this account Creditor Name : XXXX XXXX Inquiry XXXX : XX/XX/XXXX don't recognize this inquiry Creditor Name : XXXX XXXX XX/XX/XXXX XXXX : I don't recognize this inquiry XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX PA XXXX Unverified account Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 


Creditor Name : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I don't recognize this inquiry XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  ) Unverified account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Unverified account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX ) Unverified account Account Name : XXXX Unverified account Account Name : XXXX XXXX. 
Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX were all on time. 


Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX I did not authorize this inquiry

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 2022-02-03
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 I went into be XXXX XXXX and purchased a frontal. I got the frontal installment and it was thin and not covering correctly. I went back up to the store the same day and showed the owner the hair in my head and should her it wasnt covering. She was no help. XX/XX/2021 I filed a claim with my bank about the merchandise not being as described and the owner didnt want to help. I sent pictures of text messages with the owner. XX/XX/XXXX I received a denial from the bank about my claim so now Im out of XXXX. Even thought I sent prove that the product wasnt right the bank still sided with the owner and denied my claim when clearly they can see the hair is very thin.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XXXX I called navient to settle an account which they accepted and debted from account. They said they would send me home a letter of confirmation, but never arrived. Still today I am getting letter of debt. I have voice confirmation and confirmation # which they gave me during the call in which they took my money. This has been an ongoing problem for almost a year, every time I called I get redirected or place on hold or never get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
My new tenant paid with a US Bank ck ... I took it to US Bank ... I was asked for two forms of ID which I presented ... I was told I would have to pay {$7.00} ... and then they requested a right thumb print ... when I asked for a receipt they refused to give me one ... I have rights ... I have to account for my expenses with the IRS ... I have a right to off-set my income with expenses and need a receipt for the expenses to do this ...

I believe the bank in charging me {$7.00} to cash one of their customers checks owes me a legal receipt ... otherwise what expense is the {$7.00} charge covering ... and how are they accounting for the income ...

personally I do n't understand why I have to pay to collect funds from their customer who wrote me a ( promised ) check ... my relationship is not with their bank I think all this ID is overkill and an infringement on my privacy but when they charge $ to cash a check they 're not just a bank they are a 'check cashing service I go to the tenants ' bank to avoid insufficient funds charges and avoid a bad relationship with my bank ...

I believe I have either a right to a receipt or better yet a refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Per Texas law, this company is required to provide proof they legally own this debt. All I continue to get is portion of statements. This is not proof they legally own this debt to be able to collect. I will be filing a compliant against them with the XXXX 

Also, this company has also failed to disclose all the names they are known by or formerly known by to me. This is also a violation of Texas law. 

Texas Fair debt collection practices. 

Texas Fair Debt Collection Practices Act 392.304. FRAUDULENT, DECEPTIVE, OR MISLEADING REPRESENTATIONS.- ( 2 ) failing to maintain a list of all business or professional names known to be used or formerly used by persons collecting consumer debts or attempting to collect consumer debts for the debt collector ; Under the Texas business and commerce code I was not provided proper notice of this debt being sold to this company nor do I have a contract or any other obligation to this company. 

Texas Business and Commerce Code - BUS & COM 9.611 through 9.613.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: Chime Financial Inc
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wallet containing my chime bank debit card And cell phone associated with that chime account and containing the password needed to access the account was stolen XXXX months ago. After contacting chime bank representatives to report the theft, report the numerous unauthorized transactions having occured, no immediate cancellation of that debit card, confirm that a new card was in fact was issued or any access to immediate emergency funds being available or accessible to me, despite having provided and emailed all the necessary documents needed or requested of me to prove and verify my identity. however im unable to access my account or excess the funds that belong to me, receive any refunds or receiving a new card. XXXXm in desperate need to have access to my funds accumulated over the past XXXX months as I face XXXX, amounting late bills and XXXX  XXXX due to this issue. Please help. Thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was scammed via XXXX and bank through Chase. 

Through Offer Up, a potential buyer wanted to send me money for a mattress I was selling plus the fee for the movers. I said sure, whatever, Ive dealt with weird stuff on Offer Up before. I was sent a ( fraudulent ) cashiers check of {$1200.00} from this individual and sent two XXXX payments of {$500.00} and {$570.00} to who I thought was movers and kept the money meant for the mattress which was {$130.00}. Once I learned this was sketchy, I told the guy Im out and refunded the money for the mattress. 

The check he used was refunded because it was bad, and now Im out {$1200.00} of my personal money because XXXX offers NO fraud protection and Chase cant do anything to help me. Im not in the position where I can just lose {$1200.00} and Im completely screwed. I tried calling Chase and basically begging for help, but all they could do was label the XXXX recipient as spam and told me I was pretty much XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: CITIBANK, N.A.
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 was a victim of identity theft, I filed a Report Numbered : with the FTC and the XXXX  is the only Bureau that is still reporting the fraudulent account, every time I call stay on phone for hours they keep on giving me the runaround. 
it s a Citibank credit card account opened fraudulently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Step 1 : What is this complaint about? 
I sent bitcoin from XXXX to XXXX ; however it arrived it Coinbase where the company says it successfully transferred to XXXX, yet the funds are no where to be found. I believe Coinbase lost my money and have been unresponsive so far. Its been a week.

Company response to consumer: Closed with explanation