BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-04
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing has contacted me several times by phone and by mail. They have also tried to contact my elderly mother looking for me. 

In XX/XX/XXXX, my credit score declined dramatically due to Convergent putting a negative inquiry on my credit report with XXXX. This charge is for a XXXX bill that my ex-husband owes. This specific debt is cited in our divorce decree entered in XX/XX/XXXX as solely his. I disputed Convergent 's attempt to ruin my excellent credit score rating by going through their dispute process and sent a copy of the divorce decree. Per their process, XXXX has shared that information with Convergent. XXXX removed the item from my credit report finding that this debt does not belong to me. On XX/XX/XXXX, Convergent sent me a notice saying that they believe this debt is still valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Service Finance Holdings, LLC
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This is a follow up to the complaint I filed earlier this year # XXXX. 

I agreed to use this loan company and pay them 12 months AFTER the contractor completed the job he was hired for. As of today ... the work is FAR from complete. I have repeatedly told this finance company that the job is not done and the funds should NOT be released. I have told them this consistently since the beginning of the year ( all on a recorded line ). However ... the financing company has ignored the fact that I've told them the job is not done, and, they have released the funds to the contractor. So ... I want to be clear that the 12 month " interest free '' period will NOT start until the job is done. I just got off the phone with them again today and told them that, but, the person I spoke with, XXXX, said there was noting that could be done. This is an outrage! I suspect they released the funds so they can get their interest. Instead ... they should have listened to me when i told them the work was not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
The above three accounts ( XXXX, Capital One, and XXXX ) appear exactly as attached hereto on my credit report, but must be removed immediately. I have previously written each of the above fake " creditors '' a minimum of six times certified mail about the above accounts, which appear erroneously on my credit report. Under the Fair Debt Collection Practices Act ( and the Fair Credit Reporting Act ) these three companies ' repeated lack of any valid response by itself means that the CFPB should take legal action immediately. In addition to lack of response, the very data from the reports themselves copied above from my credit report all indicate that each account is WAY more than 7 years old, which in and of itself is dispositive. To be clear, these three accounts are not, nor were they ever, in my personal name nor guaranteed by me, and they are also more than seven years old, as the above " re '' notations demonstrate. What apparently is happening is that these companies are Illegally attempting to use fraudulently much more recent dates - the dates when the companies finally unilaterally got around to " writing off '' the amounts owed -- because these 3 companies knew that they could not win a lawsuit because the debts were not and never were mine. In sum, none of these accounts was ever in my personal name or guaranteed by me, all 3 are ADMITTEDLY, by the information provided above, more than 7 years old.

These companies scoff at federal law and essentially say, " sue us, '' which suit enforcing the FCRA is really the responsibility of the federal government law enforcement agencies, not individual consumers like me. I have written the CFPB before about this matter previously but have not received a response.Whatever the next step is, lets take it!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, we traded in our XXXX XXXX XXXX to XXXX XXXX of XXXX XXXX, PA with a balance remaining on our Chase Auto Loan. On XX/XX/XXXX, XXXX XXXX paid off the auto loan according to the payoff terms provided by Chase Auto. On XX/XX/XXXX, XXXX XXXX received a letter from Chase saying " Your account is now paid in full '' as well as the vehicle title. 

On XX/XX/XXXX ( 15 months later ), we received a letter from Chase Auto requesting that we pay a remaining balance. After calling to dispute and provide documentation, a representative assured us that he would take care of it. Follow up calls were not returned. On XX/XX/XXXX, we received a letter from a debt collector that gives us 30 days to pay or dispute before our credit is affected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 explanation
Consumer complaint received 2020-06-30
Company: DISCOVER BANK
State: MA
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: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Regional Acceptance has placed negative information on all of my credit reports without any notice to me. I have sent them a validation letter via Certified USPS mail and have proof they have received it. I have asked them to validate this unsubstantiated claim. 

Also under the Fair Debt Collectio Act, this item needs to be REMOVED while a dispute is under investigation, and if validation and items requested in the validation letter are not provided then Regional Accep [ tance needs to permanently remove this reporting from all 3 credit bureaus. 

Regional Acceptance has hundreds of complaints against their collection practices online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Date : XX/XX/19 Amount due : XXXX Navient Account Representitve : XXXX # XXXX I called in to speak with a representative to learn more about my options so I can come back to take my next steps before my deadline of XX/XX/19. The phone call immediately became hostile when I was threatened with an account closure and lawsuit if I didn't agree to the first set of terms they provided to me. 

I repeatedly asked him to not threatened me and my phone call was simply to collect information so I can get my accounting straightened out in order to make the proper payments. He also minimized and had 0 empathy towards my current financial situation to the point where I felt belittled. 
His whole agenda was to get me to agree to the 1st set of terms which I eventually did, however, I called back the next day and learned about a new set of terms which XXXX was reluctant to inform me on. XXXX withheld information from me that would have benefited my financial situation as a father of XXXX and XXXX in the XXXX XXXX who is underpaid, just to check off one of his boxes as a successful call. 

In the end, I agreed to the 2nd set of terms that another rep provided to me. I am truly disgusted with the customer service and lack of empathy and valuable information XXXX withheld. It caused me stress and fear that I couldn't feed my kids that very night because of the 1st set of terms I agreed upon. XXXX took this call very personal and was condescending during the whole call and lost all sight of his training. 

These tactics need to be reviewed and dealt with at a high level. No one should be treated this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: AES/PHEAA
State: NJ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
XXXX XXXX was hired to collect for my XXXX delinquent student loan accounts owned by the National Collegiate Trust. XXXX made contact with my cosigner ( NOT me ) prior to engaging in what I believe to be illegal activity. On XXXX/XXXX/16, XXXX claims that they spoke with my cosigner and that my cosigner authorized for payments to be taken from my bank account. My cosigner denies this, stating that she specifically did NOT authorize any transaction on any of our accounts. Regardless, on XXXX/XXXX/16 {$870.00} was withdrawn from my XXXX bank account ( which is in my name only, not my cosigner 's name ) by XXXX XXXX and paid to American Education Services, my loan servicer, and listed as a " Borrower Payment. '' I myself had no contact with XXXX XXXX regarding this particular loan issue prior to XXXX/XXXX/16, and I made my first contact with them on this date inquiring as to how it was permitted for my cosigner to authorize payment from an account that does n't have her name on it. I also inquired as to how they were able to obtain my XXXX bank account information if me and my cosigner have never provided information for this specific bank account EVER to anyone at XXXX XXXX. 

I contacted American Education Services to determine whether or not they provided my bank account information to XXXX, they claimed they had not. Which would mean that only XXXX Bank could have provided this information to them. XXXX Bank was the original owner of my loans, but sold them some time ago to National Collegiate Trust. I am curious as to why they might provide my bank account information for loans that they claim to not own anymore. If they did not provide this information to XXXX XXXX, then someone else did, and did so illegally. 

XXXX XXXX told me that they would have to look into the phone call they had with my cosigner on XXXX/XXXX/16 and would get back to me-they have yet to do so. 

I also contacted XXXX asking them to stop the payment of this {$870.00} pending transaction, to which they stated they would attempt, but could n't guarantee that the payment could be stopped since it was already pending. Previously XXXX Bank has been able to stop a pending payment from going through when I 've needed them to, but for whatever reason, they were hesitant about whether or not they would be able to this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XX/XX/XXXX On XX/XX/XXXX my card was cancelled without my permission by XXXXl Pre-paid. 

I was informed by XXXX Pre-paid representative stating, " our records show that we received your request on XX/XX/XXXX. Your next update regarding the status of the dispute will be available on XX/XX/XXXX ''. 

As XXXX XX/XX/XXXX, customer is unable to use XXXX pre-paid card? XXXX is withholding customer funds and can not make a purchase. 

Customer must make a purchase by XX/XX/XXXX. If funds are not placed back onto card immediately or by XX/XX/XXXX, customer will not received services. 

Customer has requested full amount of {$100.00} onto new card provided by XXXXl Prepaid Company. 

XXXX XX/XX/XXXX There was unauthorized transactions made on my XXXX   Pre-paid MasterCard : Number : XXXX XXXX XXXX XXXX Valid Thru : XX/XX/XXXX XXXX : XXXX Customer would like to dispute the transactions and a refund immediately for the following amount. 

XX/XX/XXXX XXXX XXXX XXXX Posted on XX/XX/XXXX at XXXX Memo : Debit : Signature purchase from XXXX XXXX XXXX XXXX XXXX XXXX Card ending in XXXX {$12.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX Memo : Debit : Signature purchase from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card ending in XXXX {$13.00}

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 explanation
Consumer complaint received 2015-12-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Late fee

Complaint:
Regarding American Express Corporate Card for XXXX XXXX, card # XXXX. 
Amex bills to me did n't indicate what specific merchant charges were unpaid for the balance pending. I needed to know that to determine what I had to pay vs XXXX had to pay. Amex did n't provide the following information since XXXX 2015:1 ) have I paid all the merchant charges2 ) what specific charges are unpaid that account for the remaining balanceI finally reached out to Amex contacts of XXXX, bypassing Amex customer service, and got a spreadsheet that showed the specific XXXX merchant charges that were unpaid by XXXX, a XXXX, XXXX XXXX, and XXXX XXXX charge. Clearly Amex had this information, and I would think any company that provides corporate card services needs to provide that information to the end consumer. I confirmed those were all charges I marked personal to XXXX and I paid those in XXXX. 
Afterwards there were only late fees pending, all merchant charges were paid. I was told there would n't be late fee on late fees and ask for somebody from Amex to contact me because I wanted to dispute the late fees. I would have paid all the fees if customer service had provided me the information I required. However on XXXX/XXXX/15, after waiting since XXXX without anybody from Amex contacting me, I was charged another late charge on the pending late charges, identified as a delinquency charge. Amex is simply forcing me to pay their non-merchant related fabricated fees without providing any means to dispute them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 have a loan with KOHLS/CAPONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and KOHLS/CAPONE with no successful resolution. XXXX, XXXX   and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: CITIBANK, N.A.
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I opened a second mortgage with CitiMortgage. The monthly payment was XXXX for a 20 year term. The interest is 7.89 %, which I considered high but figured I could refinance to a lower rate once the home renovations were completed. As the years advanced, I ran right into the housing crisis and the housing values dropped in my neighborhood. As I paid down the second mortgage I on numerous occasions attempted to do a refinance with citmortgage and other institutions. I kept running into the issue that in order to do a cash out refinance to pay off the second, I could not borrow more than the 75 % equity to pay off both first and second mortgage. When I contact citi about lowering my second, they stated that all the programs that they had were for first mortgages, not seconds. This has left me since the inception of the loan making over 135 payments of XXXX, totaling {$78000.00} on a loan with a originating balance of {$70000.00}. I fell that if I had been able to refinance this loan at 5.25 %, that would be a savings of 2.64 %. This equates to approximately {$1800.00} a year in lower apr. Amortizing over 12 years, this is over {$20000.00} dollars in finance costs due to my inability to refinance this loan due to the drop in house values. I am asking in light of my consistent payments over 12 years, and the inflated, non market rate apr of 7.89 % that CitiMortgage write down my remaining balance of {$42000.00} by the {$20000.00} in overage in the last 12 years. By doing this and lowering the second to a market rate of 5.25 %, this would allow me to continue to be able to service this debt. I truly feel that all the programs that existed out during the recession only targeted the primary mortgages, and I suffered a much higher interest rate with no other recourse. 
I have been out of work since my company closed my location in XX/XX/XXXX. With declining values of real estate in my neighborhood I am asking for assistance in rebating or writing down the balance of the home equity loan since I have been paying an artificial high rate. My attempts to refinance to been declined as it is considered a cash out refinance to pay off second mortgage and declining appraisal value does not allow this. At this time I am seeking employment and looking for some assistance in order to deal with all the extra interest I have been paying since the housing recession in XXXX. I need a lower payment in order to keep the loan up to date.

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 2016-07-17
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Frequent automated and not automated calls. Even on Sundays. My accounts with them are set up on automatic draft so there is reason for themy to call and badger me about payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 XXXX b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OTHER ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion reports a 'Serious Delinquency ' and 'Unknown time ' of the delinquency to entities using their XXXX credit scoring product but my report does not show any derogatory entries, not am I able to locate any information in my report to substantiate these claims. Attempts to contact their customer service group by postal mail or phone to obtain information about this discrepancy have not been fruitful, with either generic form letter responses or agents who are also unable to find any information in my report to explain these 'reason codes. '

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