BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-02
Company: Navient Solutions, LLC.
State: VA
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:
Navient refuses to show me the contract i signed for an adjustable rate loan ( which i never did ). They keep lying and saying they will send me the contract if i agree to payments. They set up a false account in my name.prove that i signed a contract!! I went into the united states XXXX XXXX XXXX in 2005 the year i graduated highschool for 10 years after i left high school. All you all do is pray on people that cant afford attorneys after setting up fake accounts and then charge them interest they can never payoff. I am in the mortgage industry and i am 1,000,000,000 percent sure that i know you all violate governing laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'd like the bureau to initiate an inquiry into the accounts where I've consistently been on time with payments, yet they inaccurately label me as late. I've diligently paid off these accounts every month, and it's unjust for them to report otherwise.

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 2022-12-10
Company: R & B Corporation of Virginia
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never received anything and checked my report and I have this from an alleged bill. I am a XXXX veteran and there is no way I have a bill. My insurance covers 100 % I never received any notice or anything about this. It was just wreckless placed on my 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 2018-11-05
Company: RoundPoint Mortgage Servicing LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have requested an adjustment on my escrow amount for property taxes. First, I asked the mortgage origination company representative XXXX XXXX to not escrow since I was making a substantial down payment. She told me it was too late in the process to change it but as soon as my mortgage got sold to a servicing company they would waive it. 

When I was notified that Roundpoint Mortage Servicing Corporation was now handling my mortgage, I contacted them and requested that escrow be waived. They told me I had to have one year of on-time payments before they would review it. I pointed out that my tax bill was {$520.00} and my current escrow amount is {$4300.00}. And, an additional {$330.00} would be added to my escrow balance each month with my payment. 

They said they didn't have the bill from the county. I emailed them a copy of it and contacted them again today. Now, they say they need eighteen months of on-time payments before they can review my escrow account. At that rate, they will have over ten times the amount of money in escrow that they need to pay my taxes. This is unethical to me.

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 2017-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 previously contacted the credit bureau in reference to this account by mail. I did not get an answer back from  XXXX , and the other  XXXX  updated the account as meets FCRA requirements. However, after speaking with  XXXX   XXXX  it was determined that they would delete the account and have the  XXXX  credit bureaus do the same. I faxed in the letter stating they would remove it however to no avail the account is still being reported. c

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 2019-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
On XX/XX/XXXX signed up for a 30-day trial of XXXX  ( grocery delivery service ) Made an order that was completely a mess - called XXXX company to cancel service that same day when mistakes where made with the first and only attempt to use their delivery service. 

On XX/XX/XXXX noticed a charge was made to my Capital One card - contacted both Capital One and XXXX to disupute the charges - spent over 90 mins on the phone with Capital One representative who added a representative on the phone from XXXX to our conversation. XXXX - agreed that the account was closed and Capital One assured me that the charges in dispute would be refunded. 

One year later - XX/XX/XXXX once again charges appeared on my card in the amount of {$99.00}. I filed fraud complain online with Capital One as this charge was in no way approved by me - to my knowledge this account had been closed 1 year ago. 

On XX/XX/XXXX noticed charges for {$99.00} had been applied once again to my card from XXXX. Called Capital One by phone on XX/XX/XXXX to dispute the charges once again - senior dispute representative of Capital One explained to me that I would need to supply an email from Instacart from initial ( one year ago ) dispute indicating account was closed. I explained that I dont believe they ever sent me an email as we completed this over the phone - phone conversations are recorded as the Capital One representative had assured me the day we made the call w/all parties on the phone and XXXX had agreed - on the phone that the account was closed. 

I am therefore once again disputing the charges in the amount of {$99.00} for the XXXX XXXX charges to my Capital One card for a service that I did NOT agree too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
I am not able to access my credit report. I get a error message. I have changed my password and still not able to access my credit report. I have notified transunion with no response back. I was told someone would call me back to fix the issue. It has been almost a month and no one has called me. I am still not able to access my credit report. 
Transunion is reporting wrong info on my credit report and I am unable to dispute it because I can not access 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 non-monetary relief
Consumer complaint received 2022-01-19
Company: Illinois Collection Service, Inc.
State: FL
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:
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX ICS COLLECTION SERV, I XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ICS COLLECTION SERV, I XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXXt of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX - Spoke with XXXX, the office of the CEO at USAA Federal Savings Bank. Car was involved in an XXXX XXXX on XX/XX/XXXX. XXXX deemed the car as a total loss on XX/XX/XXXX. XXXX tried repeatedly to contact USAA Federal Savings Bank the week of XX/XX/XXXX and XX/XX/XXXX but USAA Federal Savings Bank refused to provide any information to XXXX for payoff due to their procedures. On XX/XX/XXXX I called USAA Federal Savings Bank with XXXX representative on the line to obtain payoff information. XXXX released payoff with account number and VIN number as instructed on XX/XX/XXXX. As of XX/XX/XXXX payment USAA Federal Savings Bank has not received payment and are threatening to report my account to the credit bureau even though USAA delayed the check being sent by refusing to provide the information to XXXX and they have spoken to XXXX who also faxed a copy of the check, confirmed the information was correct and sent to the proper address, and there was a holiday. USAA Federal Savings Bank refuses to place my account on hold until the payoff is received and is continuing to apply late charges and fees to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
XXXX is reporting in my credit file however it is inaccurate because I have no knowledge of such accounts. I did my research on what to do because this is really hurting my scores so bad even if I try my best to get a better scores. I asked for proofs yet nothing is provided to me. I am in a tight income and making ends meet. I came across a case vs XXXX, Texas vs XXXX. In that case I have learned that XXXX claims to have a disclosure and an agreement that there is a consumer agreement for all who they are collecting from. I asure you that I did not conform to any of those agreements and I dont know it. Please have this deleted my file immediately. I want to start this year with a chance to fight for my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: PARKSIDE LENDING, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Parkside lending reported my tradeline as 30 days late in XX/XX/2019 ; however ; Parkside Lending did not service my loan, as I refinanced with Parkside Lending and they sold the loan on XX/XX/2019 to XXXX XXXX XXXX. 

In my welcome letter, I was instructed to send all payments to XXXX starting with my XX/XX/2019 payment. 

I have provided evidence : bank statements, mortgage statement, & welcome letter, that I made all of my payments to XXXX including the XX/XX/2019 payment that is in question. 

I have disputed this 3 times with XXXX with no luck whatsoever! I have also called Parkside Lending and they refuse to help as well. 

I have attached documentation that proves my loan was sold XXXX and I never was late in making a payment to Parkside Lending. 

Soto Credit Report XXXX XXXX XXXX XXXX XXXX opened XX/XX/2019 XXXX XXXX Statements Payments to XXXX XXXX, XXXX, XXXX XXXX Statements/Transactions Payment Details XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was alerted via Experian that XXXX XXXX had placed a collection out for an account with a balance of {$2300.00} that was opened in XX/XX/2019. I've never had any services with XXXX. I disputed this item with Experian to no avail. 
They provided an encrypted account number XXXX.

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 2020-06-04
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I waited much longer than the 180-day period as indicated by PayPal that the funds would be held and, as of XX/XX/XXXX, the account shows a zero balance and the funds have not been returned. On XX/XX/XXXX, PayPal withdrew all of the funds, {$7800.00}, from my account. The transaction note cited damages caused by Acceptable Use Policy violation. 

I have previously requested a review/appeal of my case with PayPal when my account was limited in which I had submitted receipts for a sample of the sold items which was denied. 

From a previous correspondence from PayPal, they seem to believe these items were counterfeit, however that simply is not the case. These were authentic items purchased from retail/thrift/etc. I believe an assumption was made by PayPal that because the items I sold were branded, that they must be counterfeit, which they find as some justification for keeping the funds for themselves. 

PayPal 's previous responses were along the lines of " you were selling items that contained brand logos and IP owned by other companies that you do not have permission to use '' and that the funds being seized by PayPal being " part of the terms of service that you agreed to ''. 

Again, these were authentic items, and it was legal to sell them under first sale doctrine. 

I have already had a law firm send a demand letter to PayPal which was ignored, and a notice of pending lawsuit sent to PayPal which will be filed if I can not get a satisfactory resolution from PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 Section 602 States I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have experienced Identity Theft. A thief stole my identity and opened a fraudulent XXXX XXXX XXXX  wireless account in my name ( ph # XXXX and XXXX XXXX XXXX acct # XXXX ) on XX/XX/XXXX. I found out about this theft when I received a call from a collections agency in XX/XX/XXXX who stated I owed them {$290.00} for unpaid charges on behalf of XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and spoke to a XXXX who stated that the address on this account was listed as XXXX XXXX XXXX, XXXX, FL ( where I have never lived ) and that the transaction was conducted in XXXX ( which I don't speak ), along with other details. XXXX led me to believe this issue would be resolved. Instead, as of XX/XX/XXXX, I have discovered that my XXXX score and credit rating has dropped significantly, and XXXX XXXX XXXX XXXX has put me back into collections with a different collections agency. In short, XXXX XXXX XXXX needs to resolve this issue and correct my XXXX score and credit rating!! I already have long-term legitimate wireless accounts with XXXX XXXX XXXX  XXXX along with other expensive services ) and I can't believe this is how they treat a long-time customer.

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 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 the following problems that need to be investigated, unauthorized inquiries, and late payments and charge off accounts that are not correct and an account that is not mine, a letter is enclosed that explains everything

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 2017-09-09
Company: EQUIFAX, INC.
State: MA
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:
Equifax improperly protected my identity and my financial information was stolen. Their negligence exposes me to identify theft and financial hardship,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Dave Operating, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have used an online company called Dave Inc ( XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ) to do payday cash advances for several years. On XX/XX/2023, this company XXXX drafted my bank account 7 identical transactions of {$300.00} each for a total of {$2100.00} back-to-back all on the same day. Then they closed my Dave account. I noticed the pending transactions that night when i went to pay another bill and my account was wiped clean. I Immediately contacted my bank and placed a fraud alert on my account closing my debit card down and stopping Dave from drafting anymore funds. Because the transactions were still in a pending state there wasn't much my bank could do. I located a chat with the company Dave and submitted an email through their online chat system and monitored my bank account to see if maybe Dave made a mistake, and the pending transactions would be reversed. On XX/XX/2023, the pending transactions went through and the entire total of XXXX was drafted from my checking account. I then called my bank, and they were able to complete the fraud transactions. I then called the police department and filed a police report with them ( report # XXXX ) and the Police officer advised me to file with the FTC as well which transferred me here. I was able to locate a number for Dave on their website of XXXX. I will be calling them tomorrow to speak to someone about this incident. They should have every record of transactions taken from people 's accounts and get this fixed however, I can not leave all my eggs in one basket and also ask for your assistance as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX Called customer service regarding {$59.00} annual fee. Requested that the fee be credited back to my account. 
The woman I spoke to claimed to be a manager and told me that she was unable to help but if I wanted to close my account, she would be happy to close it for me. She said that is something she would be happy to do - PULL THE AUDIO!!! i XXXX am Eastern time zone on XXXX. 
I have been a GREAT customer for years! Probably alot longer than this rude woman has been employed there. There is no way to submit a complaint thru Capital One so I decided to contact cfpb. Capital One should know that this manager is rude and driving their customers away and challenging customers to cancel their Capital One credit cards.

Company response to consumer: Closed with monetary relief