BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-12
Company: HEARTLAND PAYMENT SYSTEMS INC
State: ME
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been in contact with the company called XXXX XXXX to resolve an issue that I experienced with their online payment system. In the previous times I have spoke to them they have tried to say that I was asking for a good faith adjustment to disregard my request. This is not about a good faith adjustment but rather the issue I experienced with their auto pay online system that caused for me to have a delinquent account. I was not notified about the delinquent account either which is not very good business on their end. They let a loyal and good paying customer go delinquent on an account that they were on time with every month on auto pay and didnt think to call when there was an issue. When I signed back in to their online system to add my new bank account and set it up on auto pay for the remainder ( Just a few months ) of the installment. The system made a mistake and only made a single payment instead of submitting my auto pay request to the company. Im not sure why or how this happened. But explained to the company that Ive never missed any other payments in my entire history and it is evident that all my payments are all on auto pay. The reason I mention this is to giv them a clear understanding of what kind of consumer I am. Everything I do is on auto pay. The only reason I even found this delinquency was bevause I signed in to my account to get tax info when I was preparing my taxes for XX/XX/XXXX in XX/XX/XXXX. I found that they were saying it was passed due and delinquent and instantly paid it. I was not notified that it was reported to the credit bureau until months later when I applied for another mortgage and my lender asked me what happened to my credit. In the long run this mistake by campus partners is going to cost me tens of thousands of dollars and I will be taking further action legally if this does not get resolved. I buy houses for a living and their costly mistake with their system not setting me up on auto pay like I requested ... them not notifying me of a missed payment ... and not notifying me of a bill getting reported to the credit bureau is unacceptable. The online system did not function properly for auto pay and has caused this to happen which I have explained to the company on multiple occasions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I went on XXXX, a company that allows peer to peer in purchasing and trading cryptocurrency. I got involved with a person whom we were chatt With each other and decided to make a purchase through PayPal. I sent the payment and completed the transaction Then on her side it said pending so she could not do anything yet.this was about 5 mins later I told her she needs to send my crypto to me, meanwhile I contacted PayPal and filed a dispute to cancel, it was sent through friends and family method but immediately I tried to cancel and do I dispute this transaction. Because she said she did not receive my payment and PayPal says pending. I called everyday trying to dispute this pending transaction. PayPal closed my case and then sent the money to that person. That person decided to ignore everything and kept my money. I have tried calling my bank which was throug XXXX  they said its PayPal whom I need to get in toouch with me. That person is totally aware she stole my money. It is PayPal whom disregard my pleas to cancel that transaction and then payment was taken out of my account immediately and was pending for three days in which everyday I was trying to cancel this payment. Please help. That lady still holds an account with PayPal and I have messaged her through PayPal and she declined my request on PayPal. I have all the back in forth interactions with that person. She is aware she scammed me through PayPal. PayPal agreed the money was sent correctly even though 5 mins after I have been trying to cancel this payment please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I want to sue this bank for discrimination they treat me horrible wont allow me to bank with them at all I apply for a chase prepaid any product they refuse this is not fair I have dont nothing wrong they are the ones at fault I want to sue them I need address and to know what I have to do my identity has been stolen and I cant bank with them I want to sue them I need to know where I have to go and the process

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I consolidated my federal student loans in XX/XX/XXXX and have been working in public service ever since. There has been several times when the loan services has placed my account in a deferment status, without my knowledge or consent. 

I requested that the deferment be removed from my account in XX/XX/XXXX and was informed by my loan services that it was and that I was in a payment status. 

The only reason I had requested to have my loans placed in a deferment status ( for XX/XX/XXXX-XX/XX/XXXX ), was  because I was in XXXX Basic ( XXXX XXXX ) and could not call to facilitate my loan payment setup within that initial 8 week period. 

I was told that the account deferment was stopped, only later to find out that the services had failed to stop the deferment. 

I have been working in public service for nearly 11 years and request to receive credit for ALL time/payments that were made in XX/XX/XXXX. 

Thank you for your assistance in addressing this matter ; please contact me if additional information and/or clarification is needed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05
Company: CNG FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am working with a debt consolidation company in regards to this debt. Check n Go has been aware of this since XXXX 2019, yet they continue to harass me at work. I am a XXXX and they are interrupting instructional time. Ive asked them to stop calling me and to communicate with my debt consolidation company who is working with them to settle the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: PRESTIGE FINANCIAL SERVICES INC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Prestige Financial scammed me. I had a 7 year pay out on my car. I'm going on 8 years and they are still saying I own XXXX today on this car. I have paid all additional fees and they're still XXXX money out of me. I called several times and they don't listen. Rude as ever. They would call, text, and email me at the same time. They have threaten me. I have return check fees I never authorize. Late fees when my payments are on time. This company has scammed me like crazy. I really need legal help. They make up bogus lies. I have paid close to XXXX on a XXXX car. They will not send me my title for a car I've paid off already. It needs to be a class action lawsuit filed against them. The only reason I keep paying is because my credit will go bad if I don't. Please help. I have been living in XXXX for 8 years. My bills get behind because this place is adding more interest in fees by the day. I'm not even suppose to have interest anymore my pay out was paid 7 years ago. It's year 8. When I tell the customer reps, it's wrong how they are doing me, they say well if your credit wasn't bad at the time you would have a better loan. This is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have been call ed on my cell phone as well as at my job by several shell companies under the same umbrella trying to collect on a capitol one credit that was included in a chapter XXXX bankruptcy in XX/XX/2009. I have repeatedly told them that the credit card in question was included in the bankruptcy. Each time, they place me on hold, they verify what I have told them and tell me that I will be taken off the call list. Unfortunately, the following week, I am contacting by a " new cmpany '' that they say is not affiliated with any of the previous callers. They always say my name will be removed from the list, but I continue to get calls at work and my cell phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
Company: The CBE Group, Inc.
State: VA
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 moved out of a property and never received a notice that there was an amount due of {$100.00} from XXXX XXXX. I had a credit report run for a mortgage loan pre-approval over 2 years after I moved out and this amount due was brought to my attention on XX/XX/2022. I immediately contacted the collection agency ( XXXX ) and creditor ( XXXX XXXX ) to satisfy the balance and ask that the reference be removed from my credit report. 

The collection agency recommended I contact the creditor to have this amount paid in full. Upon speaking with the creditor ( XXXX XXXX ) and paying the amount in full, they said I need to speak with the collection agency ( XXXX ) and that they would be able to delete the reference from my report. After speaking with XXXX several times, they sent a letter of satisfaction on XX/XX/2022 that stated the amount has been paid in full but this was not a letter of deletion. This reference on my credit report is still not being removed and significantly impacting my credit score. I have attached all relevant documents to this account and also the letter stating that this amount has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: Ad Astra Recovery Services 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: Old information reappears or never goes away

Complaint:
XXXX 2017 {$500.00} I have filed a dispute with Ad Astra Recovery to verify because no contract was signed they sent back it was verified with no proof

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: EQUIFAX, 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:
XXXX verified yesterday a collection account, XXXX XXXX XXXX, account number XXXX.This account also appears on XXXX  and Equifax and has been verified by those two bureaus although they are in reinvestigation at the current moment.This account should not appear at all on my report as I was covered by insurance XXXX XXXX XXXX.I previously filed CFPB complaint XXXX against XXXX XXXX XXXX who responded that the original creditor said I was uninsured but they were still investigating and would respond later yet they are still verifying this debt with all 3 credit bureaus as correctly reporting.The following is what occurred : I received a XXXX XXXX XXXX on XX/XX/2014.In order to have the required XXXX I had to apply for and receive and have verified XXXX  coverage.I did so and had the successful XXXX at another hospital other than the original creditor here. The insurer also said that ALL MEDICAL TREATMENT RELATING TO MY LEG WAS COVERED as was this billing here related to my XXXX XXXX.I would like this error deleted from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: AES/PHEAA
State: CA
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:
I consolidated my XXXX Loans with Fedloan Servicing on XXXX of XXXX. The reason behind this was to work toward the XXXX XXXX XXXX. As of XXXX of XXXX, they stated I had only made XXXX payments toward my XXXX payments, where as I believe that should read XXXX payments. I have never been late nor missed a payment. I called and they stated that I was not paying enough, they are the ones who set up the payment plan. I asked to speak to a supervisor, I was told they would have the supervisor phone me back ; I never received a call back. I then sent a letter, XXXX of XXXX and did not receive a response back. 

The other requirement is that you must work for XXXX consecutive years at a low income school, I have been at the same school for 18 years, which qualifies as a low income school. I am also a " highly qualified '' full-time mathematics teacher in a secondary school. 

I believe I have fulfilled my end of the bargain and my loan should be on its way to be forgiven in XXXX of XXXX, where as they state XXXX. 

I appreciate your time and help regarding this matter. I believe I have covered everything but if I left something out please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: ACIMA CREDIT, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On the XX/XX/2022 i received an alert from my credit report on my XXXX  app i notice a new inquiry was added to my report ( Acima Digital FKA ACCOUNT # XXXX ACCOUNT TYPE/ LEASE DATE OPENED XX/XX/2022 STATUS OPEN STATUS UPDATE XX/XX/2022 BALANCE {$2600.00} BALANCE UPDATE XX/XX/2022 RECENT PAYMENT $ 0 MONTHLY PAYMENT {$220.00} ORIGINAL BALANCE {$2600.00} HIGHEST BALANCE {$0.00} TERM 12 MONTH COMPANY ADDRESSXXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX UT XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: CITIBANK, N.A.
State: UT
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:
Macys/DSNB # XXXX is reporting a charge off to my credit that is past the Statute of Limitations in Nevada. I no longer legally owe this debt and it needs to be taken off of 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 2019-06-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The reporting agency keeps allowing different collections agencies to re-post the same account. XXXX XXXX XXXX {$1000.00} collecting a debt for XXXX XXXX XXXX XXXX. Well the original creditor XXXX XXXX XXXX XXXX has already sent word to the credit reporting agencies, that the accounts with them were fraudulently put in my name. which were way lower at {$100.00}, & {$250.00}. now its being listed as {$1000.00}. 
This is causing me and my family financial hardship because I am not able to qualify for a house due to this hindrance on my credit report. I plan to also submit a complaint to the attorney general for the state of Texas. I also am seeking the advice of counsel that will notify me of all my options in reference to this issue and how it has had a negative impact on my and my family 's lives.

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 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Problem with personal statement of dispute

Complaint:
I sent a letter to XXXX about some credit cards they have reported to my consumer report and your company has not sent me : The contract/agreement I signed legally binding me to this alleged debt The information you used for fraud prevention and to verify my identity as the responsible person qualified to establish this account The steps you took to verify my eligibility to establish this account ( ie, employment verification, residence verification, etc. ) Verification of accurate billing ( ie, every single itemized statement, payment, credit, interest added, disputed charges, etc. ) from the time this alleged account was first established A notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period you claim I was a customer A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions correct? ). 
A full file disclosure. 
An itemized statement breaking down the balance you claim I owe. 

I gave them 15 days and they sent me monthly statements and something that looks they printed of with my social and address this is unacceptable and I want the information that I requested or these credit card accounts need to be deleted from my consumer report I've even called and they can not locate these accounts This is another attempt to get me the information that I need

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 2019-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
CAPITAL ONE Account Number XXXX ACCT CLOSED XX/XX/2016 I have tried numerous times to have Capital One and the credit bureaus ( XXXX, XXXX, XXXX ) to  remove this account that has been negatively affecting my credit rating. I have paid that debt with Capital One and need it to be removed immidately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: Experian Information Solutions Inc.
State: GA
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 'm writing this grievance in regards to XXXX XXXX  XXXX credit company. I recently check my credit report and realized there was an account that I did not open. I contacted the credit bureaus and XXXX through certified letters and asking for the documentation that shows my signature that I applied and signed on this account. XXXX has yet to send those valid documents but were sending the credit bureaus this inaccurate information. They in returned sent me billing statements that I knew nothing about. I have tried to resolve this issue for the last 60 days and they keeping saying its me without the proper documents. I have made a claim with the BBB on them also. As a consumer I 'm just trying to clear up this issue and moved forward. 
Thank you

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 2020-02-18
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/XXXX I had a dispute opened for {$48.00}. I never received any information from Discover about the status of the dispute via letter or email. I just recalled the dispute in XX/XX/XXXX and see that the dispute was found in the merchants favor. I received no contact from discover regarding this at all. The purchase was made through XXXX but the merchant was a different party XXXX. The items I purchased were not working on arrival but the merchant provided no way to return the items. The website has no return address and when I emailed the merchant multiple times they did not respond. After I opened the dispute the merchant eventually provided a returned address but no label or anything. I returned the items 2 weeks later and paid shipping out of pocket. No refund from the merchant. No communication from discover regarding the dispute. Additionally, I provided an extensive amount of proof to discover that was ignored. Apparently Discover disputes purchases made through third parties like XXXX through the third party and not directly with the merchant which means no objective investigation can actually be done into the validity of my dispute other than to them requesting a proof of authorization from XXXX. My dispute was immediately closed without any further investigation because they reported to XXXX that I was disputing the purchase on the basis of it being unauthorized, which is NOT what I disputed.After contracting XXXX twice they confirmed that the information discover gave them indicated the transaction in question was UNAUTHORIZED, I did not file the dispute as an unauthorized purchase and as a result of this I can no longer file a dispute with XXXX. As I have been told multiple times from different representatives at discover, they can not directly contact the merchant, it must be done through XXXX. So as a result of their incompetence I'm left with no remedy as the dispute was closed by discover and XXXX can not undo the banks decision. Ive tried multiple times to get the dispute reopened by discover as at least I would then be able to go through XXXX and they could contact the merchant and verify the validity of my dispute but that option is no longer open to me as paypal can't reopen the dispute only discover and they have refused to do so despite it being the fault of their incompetent dispute team.

Company response to consumer: Closed with explanation