BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-07
Company: Pinnacle Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid back in 2011 for a version bill that was paid way before it went to a debt collection agency. I want it removed off 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 2021-07-09
Company: Velocity Portfolio Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello I received notification on my credit report that I have a new collection account. I never received any mail or correspondence to my request for debt validation or right to dispute. After further looking into the alleged debt on XXXX  I thought it said you have a new collection the date on the collection says I opened the account with them XX/XX/2019. If I opened an account with them they should be able to validate the information bearing my signature or a contract agreement. I haven't received anything. Then I get a notification from XXXX  stating I have a new collection and its the same account being reported twice. I don't understand how companies are allowed to do this not only are they practicing unfair unverifiable debt practices, but to be allowed to enter the same account on someone's credit report twice with the exact amount and opening date is not right. I'm currently trying to buy a home and seems like companies come out of nowhere to sabotage what I have built on my credit so far. I feel if i owe an alleged debt then you should be able to provide me with documentation with my signature.

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 2018-02-22
Company: CITIBANK, N.A.
State: CT
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:
Earlier this year, XXXX XXXX of XXXX XXXX XXXX  contacted me. I paid {$6500.00} for a tax and advisory services I was led to believe was necessary for my business. 

He talked about Tax preparation services, record keeping, forms and filing dates etc. and that this package of services would cost thousands less than a CPA. I have come to find out they are not who they say they are and I dont want to continue a business relationship with this company, they have lied and deceptive. I have also never received any of these services so therefore I feel I am entitled to a FULL REFUND. 

I have never spoke with anyone again nor have they done anything for me. I now realize that this is all a sham and I have become a victim of another fraudulent telemarketing sales call. The {$6500.00} I paid is not justified for these services. 

I have tried to cancel the service several times in writing with the merchant telling them I do not wish to continue these service nor do I want XXXX XXXX doing my taxes, but they said they wont and cant refund even though I have never even dealt with or have they done any tax services. I am requesting if you could please help me get my money back. 

Thank you in advance for your attention with this matter.

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 2018-02-21
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have student loans with Navient and I have not been able to make payments that are affordable. As a result they keep throwing me into forbearance as an option and the loan and finance penalties have ballooned to {$120000.00}. I am scared I will never be able to pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
XXXX XXXX XXXX # XXXX is reporting a balance I do not owe. This collection is paid and should not be reporting to my credit. I would like this to be deleted off of my credit as it is paid and should not be showing up.

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 2021-07-09
Company: Bridgecrest Acceptance Corporation
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I lending direct sent a payoff to bridgecrest on a XXXX XXXX XXXX. This payoff was received on XX/XX/XXXX. The XXXX  tracking number is XXXX. It was signed for by XXXX XXXX. A week later I inquired with bridgecrest about the payoff as it had not yet been applied. They told me they received the payoff, they sort and forward those payoffs to a secondary location. I asked if the new lender sent the payoff to the wrong address. I was told " no, that is our process ''. I asked if the payment would be applied as of the date it was received. I was told " no, interest continues to acrue until we process it ''. The payment was processed on XX/XX/XXXX. I called today and inquired about the application of this payoff. Again they agreed they received it on the XXXX of XXXX but that the interest continued to accrue until XX/XX/XXXX. According to what I have read on your website, this practice is illegal. They seem to have this process in place specifically to continue to charge interest for a significant amount of time after the payoffs are received. Thank you for looking into this matter. I do not know the account number. The account is now gone from their online portal so I can not look it up. They usually look me up with my name, XXXX, and the last 4 o my ssn.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent in a request for investigations to the credit bureaus. There were accounts reporting incorrect information. They were supposed to respond within 30 days, but they have not.

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 2020-09-23
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, On XX/XX/2020 I made a purchase from the company XXXX XXXX XXXX in the amount of {$1100.00} for a swimming pool and a swimming pool liner. On XX/XX/2020 I received an email from XXXX XXXX at XXXX XXXX XXXX saying my order for the pool was cancelled and I would be receiving a refund. It was not in stock due to COVID-19. I did receive one piece of my order so the refund would be {$1000.00} for the swimming pool. 

Some time passed and XXXX XXXX XXXX wasn't able to tell me when I would receive the refund. They stated their refund department was backed up and they didn't know when they would get to it. Due to the uncertainty, I filed a dispute with my bank to assist in getting the refund. I did this on XX/XX/2020. 

On XX/XX/XXXX and XX/XX/XXXX, I faxed a questionnaire to PNC Bank as they had requested. I included the questionnaire, a receipt of purchase, and the email from XXXX XXXX saying my order was cancelled. I did not hear from PNC Bank until the beginning of XXXX when I received a letter saying they denied the dispute. I called to ask why the dispute was denied, and they stated that they didn't receive the paperwork. I have the fax receipts showing they were delivered. 

On XX/XX/2020 I called PNC Bank to dispute the transaction again as they have taken the money back from my account. Since then, I have not been able to get any information concerning my dispute. When I call to check on it the only response I get is it is in process. At this point I have not received any paperwork or followup from PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2021, called Marcus by Goldman Sachs ( MGS ) to perform a Domestic US wire from my MGS online savings account to my XXXX XXXX XXXX, XXXX. Individual Investement account, and I was asked to gather the required information ( Bank name, routing number, account number, etc ). I was informed that if the request was received by XXXX. of a business day, the domestic US wire would occure within hours of the request. When I called MGS  on XX/XX/XXXX to provide the required Domesctic US Wire from MGS  to XXXX XXXX, for some unkonwn reason the representative lied and decieved me by telling me that I could only perform a US domestic wire for an account that I had linked, which I was not told the day before, and has turned out to not be true. 
On XX/XX/XXXX, I called back to MGS  to verify the requirements to perform a US Domestic wire to XXXX XXXX, and only had enough time to get the represntative, who did not appear to know what he was doing, to verify that I could indeed perform a US domestic wire to an external account and it did not have to be linked. 
On XX/XX/XXXX, called MGS to initiate the US Domestic wire to XXXX XXXX before the XXXX. deadline, and after 4 hours, checked my XXXX account and did not see the funds. Followed up the phone call to MGS and the MGS representative then proceeded to tell me that my US domestic wire was in the queue, and would need a primary and secondary review before the funds could be released ( which was not told to me ). Then, the MGS representative told me that after the review, it may take 2-3 business days to complete the US domestic wire. 
**Complaint is to determine how many times and the Marcus By Goldman Sachs company lied and decieved me as a customer, and how this behavior can be corrected by Marcus by Goldman Sachs XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 a mortgage payment in the amount of {$760.00} : for mortgage payment {$700.00} plus {$59.00} for principal, was made to ShellPoint mortgage company. 
On XX/XX/2020 ShellPoint Mortgage servicing company withdrew Insurance premium disbursements {$490.00} from my escrow account. I have never had insurance premium disbursement withdrawn. I have homeowners insurance and the condominium complex has their own insurance for the condominium property. 
On XX/XX/2020, the ShellPoint mortgage company has the escrow balance showing to be {$1200.00} after the {$490.00} was withdrawn for the insurance premium disbursement. 
This is incorrect as my escrow balance should actually be {$1700.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Byrider Franchising, LLC
State: AR
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:
There are two accounts on my credit report for the same auto loan. 
The company is CNAC  XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX ( XXXX ) XXXX They also performed a hard inquiry on my credit when I defaulted on the loan amount and my car was repossessed. 
Date : Inquiry fromXX/XX/2018 was not aware of this nor did I authorize. Not sure what I can do to resolve these

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA
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:
Account number is : XXXX Account Name : XXXX XXXX XXXX Amount XXXX Paid in full XX/XX/2018 Company reporting it : One Main XX/XX/XXXXXXXX XXXX IN XXXX They did not properly notify me of the collection and promised that they are unwilling to delete it. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30
Company: SYNCHRONY FINANCIAL
State: TN
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 customer service

Complaint:
In the week of XX/XX/XXXX, Synchrony Bank lied and said my PayPal MasterCard was compromised after they called me to identify purchases that I made as potential fraud. I verified with them over the phone that these purchases were not fraudulent and were authorized by me personally. Nonetheless, they canceled my card and sent me a new card and expressly told me I did not have an option to keep my old card. The new card they sent me would not automatically link to my PayPal account after it was activated by XX/XX/XXXX, which is the whole point of the card. I now cant access my account statements, see any purchases on my card, or use it to make payments through PayPal. I contacted both PayPal customer service and Synchrony Bank customer service numerous times between XX/XX/XXXX and XX/XX/XXXX and they blatantly lied to me. They each blamed the other company for why it would not link ( neither party took responsibility ). Furthermore, each time I called they would tell me to wait a longer period for it to link. First they told me it would take one day, the next day they told me to wait two days, and the third day they told me to wait three days for it to link automatically ( its been 6 days now and my account wont link ). I also purchased this card because it offers 2 % cashback, but since the card wont link to my PayaPal account I have no way to redeem my cashback rewards for purchases made prior to them issuing me a new card. This means that Synchrony Bank violated the terms of the credit card agreement which is banking fraud. I am not the only customer to experience this, so Synchrony Bank and PayPal need to be held accountable. Furthermore, the new card they gave me expires in XX/XX/XXXX, when my old card expired in XX/XX/XXXX, so they issued me a new PayPal credit card ( without my consent ) that wont link to PayPal and will have to be replaced in less than a year of use compared to 3 years from my old card.

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 2023-03-10
Company: Bright Capital Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have been back and forth with this company several times they take extra payments by telling me via text and emails that my payments are due when they take the payments automatically each month I have been trying to close my account but get no assistance from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: American Credit Acceptance, LLC
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:
I contacted the creditor in XX/XX/2021. After communicating with a manager in the collection 's department, I negotiated with the creditor regarding a payoff amount to settle the account and remove the derogatory information related to the account. The creditor agreed to the payoff amount, but did not remove the derogatory information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am the executor of my mothers estate and have been trying to close her two remaining accounts since XX/XX/2014 when my mother passed away. I have hired at least three different attorneys who have communicated with Capital One as well as contacting them directly myself on numerous occasions. I have been given the run around time and again ( transferring to different departments, changing contacts, changing requirements, etc. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am having a problem with Equifax reporting and being able to access my dispute information. I contacted Equifax via chat about the major diffrence between in my score that they show on XXXX XXXX and what my bank is showing. When I contacted them through Chat ( because they impossible to get in touch with ) about this they sent me a link that was no explanation to my question. Later that week I received an email that my dispute had been resolved and I could check through their website. I tried every thing they said to access it and it wasnt available so once again I contacted them and they said they were having technical difficulties. As of today, three days later I am not able to access my disbute. And when I checked my XXXX XXXX report today my score has dropped 33 points and is showing old information that WAS currently showing updated three days ago. There is no way my score should drop 33 point in three days. And I tried to dispute this and it says my information is incorrect ( same as its been showing since their so-called technical difficulties ) and will not let me dispute. They are messing with peoples credit and I think its funny that I havent had this problem until I started questioning them about their reporting practices. I need to know why my information was updated and current as of days ago and know not showing being updated for months and my score dropped 33 points. There is no way this should have happened and they need to be investigated. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Ocwen Financial Corporation
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written multiple letters to Owen Loan Servicing XX/XX/20 in regards to the alleged debt. They are reporting false information on my credit reports. There are reporting bankruptcy when I never had a loan from them and attached you will find a copy of the dismissal letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Asset Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a consumer and natural person, I can not owe any debts, I am a non-entity, non obligor, non- debtor. MY personal information is worth whatever amount I say it is worth. Any company that has obtained my personal information without my consent is in violation of my GOD given rights to life, liberty, and the pursuit of happiness. 

ASSET RECOVERY SOLUTION LLC is attempting to collect on a debt that was created through fraudulent misrepresentation on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX furnished a Deceptive credit application pursuant to 15 USC 1692j, that did not give full disclosure pursuant to 15 USC 1631. 

Not only is ASSET RECOVERY SOLUTION LLC attempting to collect a fraudulent debt, they have not obtained the consent of the consumer for communication. They have obtained my personal information for their own benefit with has resulted in my identity being stolen. They are in violation of 15 USC 1692c. 

The practices employed by ASSET RECOVERY SOLUTION LLC and their staff have been an attempt to harass, damage my status with creditors and cause emotional distresses during a global pandemic.

Company response to consumer: Closed with explanation