BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-14
Company: Navient Solutions, LLC.
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting my complaint formally to resolve a situation that has been mortifying my emotional and financial stability for years, affecting my credit with incorrect information and preventing me from growing financially. Despite trying to solve it through the Credit Bureaus Dispute on multiple occasions, I have not been able to achieve it. The company XXXX XXXX reported in my credit report allegedly Late Payments from XXXX XXXX to XXXX XXXX ( see image XXXX ). These alleged Late Payments appearing on this closed XXXX XXXX account belong to a loan that was transferred to Navient in XXXX. 

The late payments that XXXX XXXX reported on my Credit Report for the last time on XXXX XXXX, XXXX, ARE INCORRECT and should not appear on my credit. I have never had late payments since by the time they accuse me of not having paid I was attending school. I contacted the company XXXX XXXX and they told me that no information of mine appears in any of their systems, however in the disputes that I submitted through the Credit Bureau their response has been that they will not make any changes. I do not understand as if they do not have information of mine in any of their systems, they continue to deny me the elimination of incorrect information in my report. 

Attached you can find official evidence extracted from my XXXX  Credit Report. Note in the image called " XXXX '' that XXXX XXXX reports late loan payments on the dates in which Navient was already positively reporting the same payments as it was deferred for attending the school. Additional see the document entitled " XXXX '' and " '' XXXX '' of the XXXX XXXX XXXX XXXX, University in which I completed my studies. The document is an official certification that I was attending school in the months in which XXXX XXXX reports to my credit the supposed Late Payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Someone is using my email address to send money from paypal to another person. I do not have a paypal account. I received an email from pay pal saying a person named XXXX XXXX used my email address ( XXXX ) to send {$240.00} to a person named XXXX XXXX 0n XXXX the receiver email address was XXXX I contacted paypay, they gave me the run around, wasn't able to get to the bottom of problem. This sounds like an illegal money transfer using my email address. My name is XXXX XXXX. my email address is XXXX. I would appreciate any help in this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened a new American Express platinum card with XXXX in XX/XX/XXXX. It was advertised ( and still advertising ) that if you spent {$5000.00} within the first 3 months youll get a 60,000 bonus points. I met the requirements within the first 3 months and I was expecting my 60k bonus points by the end of XX/XX/XXXX. XX/XX/XXXXpassed and I did not see the bonus points. I called Amex and they said it will come in XX/XX/XXXX. XX/XX/XXXX passed and I still did not receive the bonus points. I called them in XX/XX/XXXX and they said that Ill see the bonus points in my account by the time my statement closes on the XX/XX/XXXX. My statement closes on the XX/XX/XXXX and still no bonus point. I started calling them almost every week of XX/XX/XXXX and the first week they told me it will be done manually from the corporate office, the following week I called to follow up and another person told me that they already opened a case with the case number XXXX. The following week I was told that the case was in my favor that Ill get the 60k bonus points by the end of XX/XX/XXXX. A week to the end of XX/XX/XXXXI called and they told me that it did not specify a particular date but it just said XX/XX/XXXX.
I didnt get anything in XX/XX/XXXX, so I was hoping that by the time my statement closes by XX/XX/XXXX Ill see the bonus points. This was what the person I spoke to told me. I spoke to her on the first week of this month XX/XX/XXXX ( just few days before the statement closes ). She said thats the deadline ( 6-8 weeks ) after they investigated and the points was in my favor.
Now 6-8 weeks has passed. Its been 4 months since I qualified for the 60,000 bonus points but XXXX has refused to award me the points.
They charged the {$550.00} membership fee on the first month, but they dont want to honor their words as part of the card agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
After moving from my address in XXXX, NY I was locked out of my online account with USAA and was unable to view anything to include bills, balances or available credit. USAA has reported these accounts late when in all fact I was unable to see the account to determine when the bill was due, I was also unaware that they were n't still taking the balances out of the checking account on file, which was another USAA product. 
USAA reported me 30 and 60 days late on the following accounts XXXX - 30 days late in XX/XX/XXXX - XXXX - 30 and 60 days late XX/XX/XXXX/XX/XX/XXXX XXXX - 30 days late XX/XX/XXXX, the address on file for this account is n't even mine so I have no idea where the actual bill for this account went. 

The issue is ALL my business was with USAA to include checking, savings, car and life insurance and credit cards so when I was unable to access any of the accounts, everything should have been still set up with automatic payments. USAA closed my checking accounts and never notified me by phone or email and all attempts to restore my online access was stretched out and not resolved for over a year. These are inaccurate markings on my account and it appears as if USAA took payments when funds were available but NEVER informed me when funds were not available. I have so much respect for USAA and have tried on many occasions to resolve this as these inaccuracies are negatively impacting my credit. I even sent a goodwill documents asking them to resolve this and have been met with nothing but them stating this is accurate, however what USAA has not acknowledged is that all bills were electronic and when they restricted my access they prevented me having access to those statements. They have incorrect addresses on file and never responded to request to explain where these statements were sent, please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This company has my cell phone number, which is why I 'm clueless as to why they keep calling my place of employment. My boss has asked for them to stop calling and tying up the phone lines. This has become a serious issue. They call my office at least XXXX times a day and every time my boss gets XXXX off. I need this to stop immediately. 
They have my cellphone number for a reason, and they are n't the politest people I 've come across they are very rude and call you a liar ... etc. Please help me resolve this issue this is ridiculous. This matter has been going on for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Experian Information Solutions 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:
I submitted a dispute to re-investigate 9 accounts on my Experian credit file on XX/XX/2019. I received dispute results dated XX/XX/2019. All 9 accounts were either updated or remained. Per the fair credit reporting act section 1681i 6Biii states ... 
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; So, on XX/XX/2019 I asked for detailed explanation on who they verified info with and they verified info. 
On XX/XX/2019 I received a letter saying they are unable to honor my request because it is deemed frivolous .... 
How can they say my request is frivolous when its my right under the FCRA?

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 2021-09-09
Company: Navient Solutions, LLC.
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 information incorrect

Complaint:
I been trying to get late payments removed 5 of them from navient. They are not willing to work with me and I been in a rough situation since cov started also been on forbearance. Dates are XX/XX/2020 to XX/XX/2020 5 months

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On or around XX/XX/XXXX I noticed that I had some inquiries on my Transunion credit report that I did not approve. The following day XX/XX/XXXX I sent a letter to Transunion explaining how I did not authorize these inquiries listed on my credit and I wanted them removed. Transunion replied by sending me a standard letter explaining why inquiries are on my credit and none of it dealt with unauthorized use. I then contacted them several more times over the course of a year ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) about the unauthorized inquiries to no avail.

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 2021-09-02
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello recently I tried to ask many times to Paypal sort out my issue, but they can't. And also they close my case. Please help me to sort out my case. Thanks. My case id was - Not as described - claim case CLOSED Case ID : XXXX Here is my original message to Paypal - Paypal, I need to sort out the case. I already told you this product is not new and already send you a video of the website. If you can't resolve it I need to file a case against the company. Because the phone is already used and broken. I attached the phone box and the phone images. Also, ask the seller about it. Also, you can see I already buy this product on XXXX XX/XX/2021. And I check on XXXX for my product serial number ( XXXX ) for repair by the XXXX official repair page ( XXXX XXXX XXXX ) they show me my expiration date is for recovery on XXXX XX/XX/2021 but how can it's possible? If I got a new phone I minimum got a legit warranty. Please consider my case and please ask the XXXX, my order number is Order # : XXXX. Thanks a lot. If you can't resolve the matter maybe I can complain about the support of PayPal to the Consumer Financial Protection Bureau. Thanks again. Here is the video - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thanks!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, This is a direct dispute of credit reporting. This is not a request for debt validation/verification under FDCPA 809 ( b ).

After reviewing my credit report I have found that XXXX XXXX  purchased 2 debts from XXXX XXXX  that I do not owe. XXXX is reporting 2 inaccurate accounts and information to the credit reporting agencies regarding my account. I have disputed the debt multiple times to no avail. I have sent multiple letters of debt validation and have not received any definitive proof. I did not open these accounts that were purchased. XXXX XXXX is not reporting on any of my credit reports across any agency. I never signed anything or submitted my information to go into contract with either of these companies. I am attaching a copy of my XXXX  credit report for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Dear Chase, my name is XXXX XXXX. I open a Chase sapphire preferred card in Chase local branch on XX/XX/2021. When I apply for the card the opening bonus is XXXX UR points after spending {$4000.00} in 3 months. The banker who helped me apply for the card told me I could ask for a bonus offer match if Chase increase the opening bonus after I open the account within 3 months. I also sent a secure email on Chase.com to confirm this is true. 
However, Chase increases the opening bonus to XXXX UR points in XXXX with the same requirement. But when I call Chase to match the bonus offer from XXXX to XXXX, I have been declined as I have been told you don't do the match, even I have explained to him I have been told by the banker and also on the secure email. I would really hope Chase could match the offer as I have been told when I apply for the card, and that's the major reason I decided to open the card at that time. Please help me match the additional XXXX UR points to my account since I already fulfill all the requirements. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital One Bank - Consumer Financial Protection Bureau ID # XXXX Re : Accounts : Ending-XXXX | Ending-XXXX Complaint : I believe Capital One Bank has violated my rights under the Fair Credit Reporting Act. I also believe that I have overpaid any balances due because I secured each account with an initial secured payment that shouldve been used to offset my first late payment. 

History : Both accounts are secured accounts that I opened with an upfront payment known as a security deposit. Each account was closed by Capital One Bank at 60 days, and 90 days past due on XX/XX/XXXX. My last payment on each account was in XX/XX/XXXX. Prior to the time of account closing, I was having difficulties due to my military service-connected XXXX and was late on payments. I discussed this XXXX issue with the Capital One customer service department each month from XX/XX/XXXX to XX/XX/XXXX. During this time period Capital One did not disclose any options regarding the use of my security deposit to make my payments. 

I contacted Capital One in XX/XX/XXXX with the goal of resuming payments, and a hope that my payments would be reported to the credit bureau. I was informed by a representative of Capital One Bank that once the account is closed I can not make payments for credit improvement, nor can there be any additional monthly delinquencies reported on a closed account. 

After closing the accounts on XX/XX/XXXX showing the lates at 60-90 days, Capital One then reported the accounts 120 days late in XX/XX/XXXX, and 150 days late in XX/XX/XXXX into XX/XX/XXXX. In addition, Capital One reported these accounts on a monthly basis after the date closed showing updated increased balance changes. 

In XX/XX/XXXX, I paid both of these accounts in full ( proof of payments attached ). According to the Department of Veterans Affairs, I am rated as XXXX XXXX XXXX  and XXXX XXXX effective XX/XX/XXXX ( rating document attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: The Receivable Management Services LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i checked my XXXX and XXXX report to see this account listed from RECEIVABLE MANAGEMENT for XXXX XXXX. I can not recall opening an account with XXXX as I am only XXXX year old. However, in a good faith, i would like to satisfy my debt by settling with {$170.00} to delete and remove the negative trade line from my report and credit as i am young, and trying to establish myself as an adult. I am newly married to an XXXX in the XXXX XXXX XXXX and we are trying to purchase our new home prior to him XXXX  to XXXX in six months.

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 2018-01-08
Company: Midwest Recovery Systems
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 had a complaint filed with you for this company ; here is the reference number:XXXX XXXX The company response was that it would be removed from my credit report ; however, it 's still showing on all 3 bureaus. I asked them to send me a letter stating this was an error and being removed but they never sent me the letter. 

Please have this removed its been 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Colony Brands, Inc.
State: PA
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:
XXXX XXXX, Account NO. XXXX, XX/XX/2011, Account Opened. XXXX XXXX XXXX, XXXX, WI XXXX. 
Has my account as reported to XXXX, as Revolving Charge Account. This account is not mine. It does not belong to me. All the credit bureaus : XXXX and XXXX has removed this account from my credit report. The address used by XXXX XXXX does not belong to me. Whatever address they have that allegedley conducted buisness is not my address. Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them. This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statue of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, buisness, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureau : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I refinanced my mortgage with XXXX XXXX XXXX, XXXX Six months after the loan was closed, Wells sold the loan as a pool to XXXX XXXX. The selling of loans is a common practice with lenders.XXXX then securitized the pool and sold it in small pieces to various investors. As a result of this action, I do not have a lender for my loan with whom I can discuss hardship issue. Wells continues to be the servicer on the loan and the Master Servicer as well. XXXX XXXX XXXX XXXX XXXX is the trustee over the pooled loan. My loan is in tranche XXXX XXXX. I am looking to find it there is any recourse that I have with Wells for selling my loan, XXXX for being the last named owner prior to creating the tranche. I am finding it difficult to pay my mortgage and would like to get a loan modification. Is there any assistance that the CFPB can offer to assist me and other borrows in this precarious position. Please see previous complaint and response provided by Wells in the XX/XX/XXXX complaint.

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