BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-18
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I put a down payment on a puppy through PayPal. The "breeder" who asked for the downpayment had me send him the money through PayPal, and explicitly requested I send it "friends and family" as oppose to business so he could avoid the "fees". I did as he requested. He told me I would have second pick of a female XXXX available in XX/XX/2019. In XX/XX/XXXX I contacted the Breeder and he informed me the puppies had not been born yet, and even when they were, I would have to wait 3 months after that to receive the puppy. I told him this was unacceptable and asked for a refund. He refused. I asked PayPal for a refund, they said because I sent it friends and family, and not as a business, I had no "seller protection". I then disputed it with my credit card company, XXXX XXXX. I explained to XXXX XXXX that I NEVER received a puppy NOR have a I received a refund and its now past XX/XX/XXXX. XXXX XXXX did its investigation and sided with the seller because they ran the WRONG TYPE of investigation. Instead of running it as services not received... as I described, they ran it as refund not processed. And because I couldn't show proof of a processed refund -- they denied my claim. When I called back to XXXX XXXX-- they said they understood the validity of my concern- but there is nothing they can do because they can't dispute an item twice. So then I tried to follow up with the breeder AGAIN. He flat out told me he will NEVER give me a dog NOR a refund. And I have a emails showing such. But yet I'm stuck with a $XXXX credit card bill (interest charged AND LATE FEES) because they backdated the charge and put it on my account. I don't know who is responsible-- PayPal or XXXX-- but I know I have buyer protection at the very least through the credit card. I purchased a good and never received it. Also- I don't know if this matters or not.. But I paid OFF my credit card and CLOSED the account with Capital One because I had an issue with them previously reporting incorrectly on my credit report... They reopened my account to add this charge even though I have a letter saying the account is closed with a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX XXXX XXXX I had some work done on my roof by XXXX XXXX XXXX XXXX XXXX 
On XXXX XXXX XXXX, I wrote and mailed a check from my Navy Federal Credit Union checking account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On XXXX XXXX XXXX  I got an email from XXXX XXXX XXXX XXXX XXXX saying that they haven't received my payment. 
I checked online and the check had been cashed/deposited by someone named XXXX XXXX XXXX XXXX XXXX apparently someone who does not work for XXXX XXXX XXXX XXXX XXXX XXXX 
I immediately called Navy Federal Credit Union to see what I can do, and I was told that basically I was screwed. They weren't able to tell me anything about the transaction, only that I was out XXXX, and would need to write another check for the same amount to pay my bill. 
The phone rep told me that because there wasn't a stamp on the back of the check, that they didn't even know which institution my money was wired to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I login to my Experian account because I received an email from them saying I have two new hard inquiries in my credit report. Since I have been a victim in the past of identity theft, I went ahead and lock my credit report. I know I didnt applied for credit during that time, I called Experian to let them know and I also called XXXX XXXX and XXXX XXXX to make sure they do not open any new accounts. From now I plan to keep my credit report lock to avoid any new attempts to open new fraudulent accounts. Please remove these two fraudulent hard inquiries from my credit report. Thank you for your help! 

XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-18
Company: Navient Solutions, LLC.
State: TX
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 3 student loan accounts from the creditor Navient. On each of the 3 loans theres reported late payments from XX/XX/2016 - XX/XX/2016. This information is inaccurate as the loans were in forbearance at the time and no payment was due. The FCRA forbids XXXX from reporting this information because it is inaccurate and I have provided an abundance of information proving it to be inaccurate. A)  Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 	.	(B)  Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if 	.	(i)  the person has been notified by the consumer, at the ad- dress specified by the person for such notices, that specific information is inaccurate; and 	.	(ii)  the information is, in fact, inaccurate. XXXX only states they are submitting a "dispute" or "investigation". Black's Law Dictionary defines an investigation as INVESTIGATION. To follow up step by step by patient inquiry or observation; to trace or track mentally; to search into; to examine and inquire into with care and accuracy; to find out by care- ful inquisition; examination; the taking of evi- dence; a legal inquiry. XXXX XXXX XXXX, 49 Mont. 46, 139 P. 999, 1001; People ex rel. XXXX XXXX XXXX, 217 N.Y.S. 477, 479, 127 Misc. 791. Application of Gilchrist, 130 Misc. 456, 224 N.Y.S. 210, 219. I have provided a preponderance of irrefutable evidence and information to assist in XXXX   investigation. XXXX is violating my rights as they are granted to me under FCRA, and falsely misrepresenting themselves as an authority capable of deciding against the ruling of the U.S. high court and Federal Trade Commission, the governing body over the FCRA.I have attached an email showing my request for forbearance during the reported period, a letter from Navient confirming my account was in forebearance during the time, a historical report of my loan status from the National Student Loan Data System, and the FTC Harris Advisory opinion which is a ruling that states plainly, this information should be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX Navient advised me about the Forgiveness Loan Program by phone when I called in inquiring about my student loan. I was sent the ECF form for my employer to confirm I was a XXXX XXXX employee. I completed & faxed back to the number indicated. From that point after speaking with Navient I was told once I make 5 years with my employer I will be placed on the Forgiveness Program for 10 years but until then I will be placed on the Forgiveness Program for 25 years. I called XX/XX/XXXX to inquiry about my the increase in payment on my account but then found out I'm on the 25 year plan indefinitely. Navient provided me with the number to XXXX XXXX to inquire why I'm on the 25 year forgiveness instead of the 10 year. XXXX XXXX advised my federal loans did not qualify as they needed to be converted to direct & I would have to start over making payments once they were re-consolidated. They stated I should have received a denial letter back in XX/XX/XXXX when I faxed the ECF. I never received any denial letter nor was I aware I had to deal with another servicing company outside of Navient. I was never made aware I could have been on the forgiveness plan back in XX/XX/XXXX which means I will have completed my payment plan once consolidated. I was not made aware of the necessary things in order to pay of my student loans until XX/XX/XXXX nearly 11 years after the forgiveness program. I should not be responsible for having to start my loan payments over at 0 after paying for over 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo is attempting to collect on a closed checking account number XXXX, the amount of {$190.00} I believe. This amount includes a debit card purchase dispute in amount of {$290.00} from XXXX for an item I did not receive, sent via XXXX with a forged signature. As explained in prior CFPB complaints, XXXX driver has a habit a forging signatures, leaving packages where they can be lost/stolen, item never received. XXXX accepts signature as mine, despite forged by driver.. As stated before, I do not pay for items not received, will not pay amount of {$190.00}, Wells Fargo needs to cease and desist collection attempts, remove debt from account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-08
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2021-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/2021 I sent a dispute letter to the credit bureau in regards to items I seen on my credit report that did not look familiar and were inaccurate. Since sending my initial letter it has been over a month and I still have not received a response or anything about the status of my disputes. I also sent another letter demanding the bureau to respond prior to submitting this complaint. I know that according to the law the bureau must investigate the items I disputed and respond within 30 days of my initial dispute or the items have to be deleted immediately. It has been almost two months to date. This is effecting my credit score and I have followed all the correct procedures and I feel my disputes are being ignored and it is aggravating.

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 2018-12-31
Company: CAVALRY INVESTMENTS, LLC
State: CA
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 just received an alert that an collection account that was part of my identity theft case is being report to my credit file. Calvary Portfolio Service Acct # XXXX {$6800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: Southwest Credit Systems, L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this account and have never been under contract with this company. I have tried multiple times to reach out to the company with no response for indefinite removal of this account that they keep trying to put on my credit report, in turn causing my credit score to drastically drop in the middle of my home buying process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: NY
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, XXXXXXXX XXXX XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX  services account # XXXX, and XXXX XXXX XXXX XXXX  account # XXXX have violated my rights 15 u.s.c 1681 section 602 A States I have a right to privacy. 15 u.s.c. 1681 section 604 A Section 2.It also states a consumer reporting agency can not furnish an account without my written consent 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 the record of convictions of crimes which antedates the report by more than seven years. 15u.s.c. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information reating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2018-12-31
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was in default with student loans. We fell on hard times and until recently I couldn't pay. On XX/XX/XXXX I was able to pay my balance in full which was agreed to by PHEAA/AESthrough XXXX XXXX. We settled on everything minus the fees from XXXX. PHEAA/AES is still reporting to the credit bureau that the loans are still in charge off/collections and default. They told me that they will continue to report to the credit bureau that it is in charge off/collections for another 4 years because I made a 1 time payment and didn't do their loan rehabilitation payment program. We are trying to pay off debt in hopes of eventually buying a house. The fact that I am being punished for paying my debt in one payment is absolutely ridiculous and wrong. I want these marked as paid/current and then removed from my credit reports. I have disputed with the credit bureau and PHEAA/AES keeps claiming its resolved - customer disagrees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2019, I discovered that XXXX XXXX XXXX had closed my account and reported me as "deceased" to credit monitoring agencies. I have told XXXX XXXX XXXX that I am alive and well.  I have filed disputes on the report from XXXX XXXX XXXX with Equifax, XXXX, and XXXX. At this point I have great concern that Social Security thinks I'm dead as well and that I may not get my scheduled benefits. I am unable to log in to my Social Security account online, so will try again on Monday to contact them. At first I thought this rather humorous, but if I have problems with Social Security benefits it won't be funny at all. I suspect that this has happened as a result of the massive data breach that occurred at XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22
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: Account information incorrect

Complaint:
XXXX credit Report of XX/XX/2019 derogatory remarks removed by XXXX with the communication of XXXX XXXX XXXX. 
I marked with word of delete for Credit Reporting agencies to delete negatives and for evidence for XXXX that negatives of my Auo loan # XXXX was removed by XXXX. 
XXXX administration made communication with XXXX to delete derogatory from my credit Report for XX/XX/2019.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account was fraudulently opened and is supposed to be removed from my credit report XXXX XXXX XXXX IN XX/XX/2018

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 2018-12-31
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : XX/XX/XXXX-XX/XX/2018 I showed payments made in those months and requested statements proving that. I have not gotten any responses from Honda.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Orginal Debit : XXXX XXXX XXXX XXXX Balance {$43.00} XX/XX/2019 Did not give auth for medical bills to be released to 3rd party do not know who this is have not been to the hospital in XX/XX/2019. Violates my HIPAA information. Do not want my medical history sent out to 3rd party people.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: ENCORE CAPITAL GROUP INC.
State: AR
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:
XX/XX/2020 I Notified XXXX  that Midland funding was reporting in my credit. This is a unknown company that I have not applied with or signed contracts with. I've also mailed a certified letter for request of validation to both XXXX  an Midland funding. I was told that my report was updated as verified XX/XX/2020 with any validation being made. I also have 4 inquiries reporting that I have no knowledge of. 
Also my name appears wrong XXXX XXXX XXXX XXXX XXXX XXXX is not names i go by.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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 have no business with XXXX XXXX  acct # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 

15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-06-14
Company: Kikoff Inc.
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: Their investigation did not fix an error on your report

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: CMG MORTGAGE, INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi CFPB, I applied for the California Mortgage XXXX XXXX ( the CA arm of the XXXX XXXX  XXXX created in the XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX. 

To receive relief funds, the program requires my mortgage servicer, CMG Mortgage, to email XXXX to join the program. 

After XXXX calls, XXXX online messages, and a fax, CMG has consistently refused to send this one email on my behalf to join the state program. I just got off a one hour call with CMG, where the loss mitigation representative refused to transfer me to a supervisor and advised that I simply give up. 

I also called the California Mortgage XXXX XXXX XXXX, who told me that there's nothing they can do if my servicer refuses to join the program. 

So CMG and the CA Mortgage Relief program have both told me that they won't reach out to the other party to add CMG to the program. The result is that I can not access the $ XXXX of relief funding that I believe I would qualify for if my servicer joined the program. 

Now that I've hit a wall, I'm reaching out to the CFPB to see if you might be able to help me convince my Mortgage servicer to participate in the program and/or access the California Mortgage XXXX funding. 

Your help is sincerely appreciated. 

Respectfully, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation