BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-26
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I received another notice from Nationstar recently XXXX XXXX XXXX ). I 've filed a complaint against Nationstar in XXXX XXXX showing that Ive filed Chapter XXXX XXXX # XXXX, discharge date : XXXX XXXX, XXXX, thus releasing me from liability involving the mortgage and property. I am still receiving billing and paperwork from XXXX XXXX ( XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When I was in medical school, according to the documents that have been sent to me, I took a loan ( 3 total ) out with " XXXX XXXX XXXX XXXX, '' which I am given to understand has been shut down by the federal government. I have been sent by two different servicers XXXX ( XXXX XXXX XXXX ) and AES (  American education servicers ) bills for a company alternately called XXXX or XXXX. When I question either XXXX, AES, or XXXX about offering me a chain of title or any other proof that they or XXXX ( which I believe went bankrupt in 2008 ) own a debt from me, I am told to ask the servicer, if I ask the service, I am told to ask the alleged owner of the debt. I have been paying on these loans for years now and they are getting larger. I can easily refinance, however, I do n't want to refinance a debit I do no owe. I am a physician, and along with the federal government loans I have ( XXXX ) I pay approximately 5K/month in loan payments. I asked AES to please apply additional payments I made to my principal, and was told that they would only put me in paid ahead status. I do n't mind paying or settling which someone if I truly owe them money, but as far I I can see, there are three ( I do n't know why there are two for the same year ) applications that have been provided to me, and my wife, XXXX XXXX, whom they refuse to release from the obligation as cosigner, to XXXX XXXX XXXX XXXX. I have nothing that says I owe anything to XXXX nor to XXXX, who per the XXXX XXXX is owned by the same people, as are some of the servicer. I am paying more than 10 percent interest on the loan that XXXX claims they own. They are also both refusing to send me a payoff letter if I do owe the debt, because I will refinance immediately -- I have good credit and good income. I was actually told yesterday that the stories in the XXXX XXXX were " fake news '' and that I would have to default before anyone would negotiate with me, and that if I defaulted they would " take my property '' or " wages '' or " tax return '' ( I am self employed ). Which I consider to be a treat made simply because I asked questions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is a follow up to a complaint I submitted on XXXX XXXX. I did send several followup E mails to you to inform you what has happened since theXXXX I asked for responses, but never got any, so Im not sure that you received my follow ups. I sent them to XXXX What I sent to XXXX I need to submit a follow up to a complaint that I originally submitted on XXXX XX/XX/2020. Your site wont let me log on or create a new acct. The page just comes up blank, yesterday and today. So Im emailing you now. Please forward this to the proper dept or reply and give me the email address ( not ph # please ). 

On XXXX XXXX I submitted a complaint to you against Chase credit card. Sometime after that I received a ph msg from chase telling me that they will look into it and get back to me. Then on the XXXX I received email from your office indicating " The company has responded that it is still working on your issue. '' Then yesterday the XXXX of XX/XX/2020 I got an email from chase stating " We confirmed your disputed transaction ( s ) are valid and will remain on your account. '' This is a form letter with no specific info concerning my dispute. Then later that same day I got another ph msg from chase indicating that they are still looking into it and will have a resolution within 5 days. 

Those two messages from chase contradict. 

chase has not requested any additional information from me on this dispute. 
-- -- -- -- -- -- -- -- -- -- -- XXXX XX/XX/2020 Additional note : It has been over 5 days since the XXXX and I have not heard back from chase ( as promised ). They did add the XXXX $ back onto my next card statement, but did not include it as a line item. The only way I know is that I added-up all the charges listed, and that comes to XXXX less then the amount they are billing me, due XXXX XXXX That is sneaky. I dont want to pay this, I dont owe this amount. They never even investigated it. Ive asked a few times for a copy of their investigation and I get nothing. Chase used to be much better at truly investigating billing errors. I think that changed after the merger. 

Please look into this. 

thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-28
Company: Resurgent Capital Services L.P.
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:
On XX/XX/2019 and XX/XX/2019. LVNV FUNDING LLC added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contact, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and claim its mine. According to the FCRA, LVNV FUNDING LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Experian Information Solutions Inc.
State: FL
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 am disputing the following account XXXX XXXX. The balance on this account 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 2020-01-22
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25
Company: Resurgent Capital Services L.P.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX XXXX 's response dated XX/XX/XXXX, the company stated that they have verified the account by basically providing my personal information as verification. The company further claimed that because the account was opened online then they have no record of the signature. This is both invasive and frightening. The company should have had signature regardless of where the account was opened. Providing my personal information as proof that I was the one who opened the account is farcical as it is ridiculous. Identify thief happens everyday and if all the company needs to prove that it's a valid application is the person 's information is a ridiculous and dangerous assertion. The FDRA clearing states that the company MUST provide a copy of the application with my signature on it to prove origin and ownership of the account otherwise the account MUST be removed from my credit report immediately. 

Furthermore the company chronicled the account being opened on XX/XX/XXXX and sold to Sherman Originator on XX/XX/XXXX. Yet LVNV lists the account as being opened on XX/XX/XXXX even though that account had been in existence for almost two years prior. The fact that LVNV has posted erroneous information regarding the origins of this account means that this account MUST be deleted IMMEDIATELY from my credit report. 

It must also be noted that in the letter forwarded by the companies XXXX XXXX and LVNV deliberately withheld information regarding the amount that the account was sold to Sherman Originator LLC for. That information is important because if XXXX XXXX were paid an amount for the account. That amount should be subtracted from the amount that LVNV is claiming to be owed. The fact that LVNV is claiming the original amount owed but yet refused to provide proof of that amount is sufficient reason to question the balance being claimed and hence that inaccuracy is grounds for the account to be deleted from by credit report immediately. 

I remain committed to pursuing monetary compensation from all the companies involved with respect to the negligence shown in responding in an prompted manner, the blatant disregard for good faith due diligence and the continued stonewalling while my credit continues to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Filed Dispute with Capital one for merchant XXXX XXXX in XX/XX/2019 asserting that merchant said at the time services were rendered that they were a participating member of the XXXX XXXX XXXX XXXX XXXX and since the service date was saturday XX/XX/2019, they could not verify my coverage so they would have to charge to my credit card the full uninsured value of service and after verifying coverage on the next business day, merchant would refund the full amount on the credit card and send invoice for the copay. 

Merchant never refunded the money and merchant filed insurance claim and was partially reimbursed. 
Total charge from merchant was {$1300.00} and I filed dispute for {$900.00} which is the amount that merchant should have credited after insurance XXXX XXXX XXXX XXXX disallowances and copay under their XXXX XXXX XXXX XXXX XXXX contract. 

Capital one sent letter on XX/XX/XXXX with incorrect city name ( XXXX ) when my city name is XXXX. Letter was received late on XX/XX/XXXX as a result and past the deadline to sent rebuttal. 

Merchant refuses to accept my inspite of their address error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: FL
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 have ask Equifax numerous times for Equifax to show me a signature that I was the one to open regions bank loan I have told them over and over that this account was not opened by me by law they must send me proof meaning a signature. This is not mine called a lawyer he stated for a loan Equifax must provide a signature or delete from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: CURO Intermediate Holdings
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan last XX/XX/2019 in the amount of {$620.00} the limit Im should is {$500.00} for online loans and the interest rate is extremely high my current balance is {$800.00} more than the {$620.00} I borrowed and the company isnt able to do a negotiated settlement amount with me looking for help out of this nightmare Im dealing with

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Goldman Sacks, who is administering the Apple Credit Card, took {$480.00} out of my XXXX XXXX checking account on XX/XX/2020 without my authorization. I immediately called them. Customer Service could not explain how this happened and agreed it was a mistake. 

As of today XX/XX/2020, the money has not been returned to my account. I have now called them three times asking for a supervisor on the last call. She could not explain what happened but admitted the account was current with a monthly payment of {$49.00}, not {$480.00}. 

In addition the phone line was very poor and the English Language ability of the customer service personnel was very poor. I suspect that I was speaking with people who do not speak English as their primary language, they told me they were in Texas. 

On the third call I was left on hold for over 15 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Happy Sunday! How can you placed a {$480.00} collection on my credit report without my knowledge, consent, or anything. Plus I didn't receive & didn't know you could dispute the debt. I will pursue legal counsel or help if this is not removed soon. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX DOB XXXX. I have attached my bank SS Card and DL for proof of ID

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Please be advised that I am in receipt of your letter dated XX/XX/XXXX concerning the above captioned dispute.  By way of this signed letter, I will continue with disputing the above listed information.  On the evening of XX/XX/XXXX, I placed a take out order for two #5 combo sandwiches and two #6 combo sandwiches.  The merchant made a mistake by giving me two #7 combo sandwiches (see attached sales invoice).  Immediately, after arriving home, I called and informed the merchant, driving to make an exchange at the merchant was not an option as it is a 40 minute drive.  Subsequently, I received a phone call from the owner XXXX XXXX who was very sarcastic and condescending claiming they "rarely make mistakes", "I must be wrong" and that he records videos and voices of all his customers.  In fact, the same cashier who took my order, ran out the door after me to inform me that she forgot to give me my soup.The merchant sent a lengthy and wordy letter that basically proves nothing to the contrary, unless, the merchant can provide concrete proof and evidence that I as a customer placed the wrong sandwich order, than my initial dispute should stand as being correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2020, I requested my free annual credit report for TransUnion. The company did not provide access to a free report ON THEIR OWN WEBSITE. They required that I go through XXXX. I did that and received my credit report ; however, I WAS NOT GIVEN MY CREDIT SCORE. This score is an integral part of my credit report and should be included. When I attempted to retrieve this through TransUnion, I was unable to do so without passing a payment wall by inputting my credit card information. This is ridiculous and illegal. I do not have to sign up for a paid service in order to get my credit score annually. I do not have to provide my credit card when I request my annual credit report INCLUDING MY CREDIT SCORE. Both other credit bureaus ( XXXX  and XXXX  ) provide both annual reports and scores EASILY online on their own websites. TRANSUNION IS NOT FOLLOWING EITHER CALIFORNIA OR FEDERAL LAW!!!

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 2020-05-21
Company: EQUIFAX, INC.
State: TN
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/, Bank of America 's autopay system withdrew a payment of {$260.00} despite the fact my account had a {$0.00} balance as of XXXX After the autopaymentI had an account credit $ XXXX. I called Bank of America on XXXX XXXX XXXX and requested the amount be electronically refunded as soon as possible. The representative I spoke with said it would be refunded in 7-10 business days. After 10 business days I still did not receive the promised refund. I called again on XX/XX/XXXX to request the status. The customer service person told me that the previous representative made a mistake in submitting the request on my behalf. As a result it will now be refunded within 1-2 billing cycles. This could be up to 60 days. I expressed that this was unacceptable to me. The representative could not offer any solution to refund me sooner. I requested Bank of America close my account on the same XX/XX/XXXX call. The customer service representative confirmed this request with me over the phone. As of XX/XX/XXXX, my account is showing as active on their website and mobile app. It appears they did not honor my request to close 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 monetary relief
Consumer complaint received 2021-04-27
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:
XXXX XXXX XXXX  is reporting account number XXXX on my credit. I do not own this account. I don't have any information on the account. The bank can not provide any proof of ownership or a full account number for investigation. I have tried disputing this account but the bank is failing to provide any information besides statements that do not contain the full account number.

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