BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-22
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XX/XX/XXXX I began the re-certification process for my Income Based Repayment Plan. I submitted a re-certification through the department of education website and indicated that my AGI as reflected in my tax returns were not reflective of my income. I did not fill out the form the right way, apparently and it was rejected. I tried to re-fill it out but I received another letter indicating I was not in the period to re-certify so my application was rejected. I subsequently rectified the issue with my original application and on XX/XX/XXXX received a letter from Navient indicating that my IBR request was granted through XX/XX/XXXX and that my payment would be {$190.00} going forward. I began making my payments of {$190.00} in XX/XX/XXXX. ( See email ). In XX/XX/XXXX I received a letter from Navient indicating my payments were scheduled to go up dramatically, to almost {$800.00} per month, despite the fact that I was already in the program and not scheduled to re-certify. 
I was on the phone for an extended period of time with Navient during which time they indicated that because I allowed the IRS to link to the Department of Education my XXXX tax returns showing our joint AGI,  they were changing my payment amount. They have since asked me to again re-submit an application with explanation of my income. This is despite the fact that the letter dated XX/XX/XXXX clearly indicates that the decision to grant the program was based on my representation that, despite the tax return, that I indicated on my application that I was " married with no access to spouse 's income. '' This is the second time in the last year I have been inappropriately removed from the IBR program early. The first time I had to call and I was placed back on. This time, however, Navient has refused and asked for me to re-certify again despite the fact that I have already re-certified through XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
PayPal closed my new account with My my funds of selling My used bike, for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In late XX/XX/XXXX, Midland Funding filed a lawsuit against me in XXXX XXXX XXXX Court in Arizona, which involved junk-debt purchased by them that was beyond the statute of limitations. I addressed the fact that it was past the statute of limitations with the court. In XX/XX/XXXX, I was startled to discover that a judgement had just been issued by the court on this case. This is something I was not made aware of beforehand, as is necessary with the filing of a motion for a judgement. As can be seen in the court activity which I have attached, I have always responded to the court, when I am notified. I would have then obtained an attorney, as they continued to attempt to collect on something which was past the statute of limitation. At the time, the only documentation I had received was regarding another case they had brought against me at the same court. This was also a case which was beyond the statute of limitations, which I immediately addressed with the court. 
Midland Funding is a predatory company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
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 have NO outstanding DEBT owed to anyone. This Business ; Portfolio Recovery XXXX XXXX, is a persistent bill collector " BOTHERS '' people without verifying who people are and without checking the " No Call List '' They have NO REASON to be calling me, my Credit is Excellent. Thank goodness only one " ring '' gets through, my phone carrier blocks automated phone calls ( robocalls ) I have talked to one of the Customer Service people last Wednesday, ( They do not CLEARLY identify themselves ) the person said she'd " have my number removed immediately ''. I've been disturbed twice since then, I was awoke this Morning ( XX/XX/2018 ) @ XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX charged to my personal credit card versus a business card advertised on the phone by Bank of America

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 2020-05-20
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello CFPB, My name is XXXX, a Wells Fargo checking account holder, as of XX/XX/XXXX of last year. I was prompted to open the account due to a {$400.00} promotion they were running for new accounts. Terms indicate {$4000.00} or more in qualifying direct deposits within 90 days of account opening, and receive {$400.00} promotional cash deposit 30 days after criteria met. According to my records, I met this criteria as of XX/XX/XXXX of this year and as a result, was expecting this {$400.00} to be deposited into my account late XXXX. After not seeing it, I began calling Wells Fargo early this month ( XXXX ) and am getting nowhere. Conflicting information, lack of any follow up on their part, and promises of research and a call back with no resolution. I have several complaint numbers, have a " case manager '' that is never available to speak to and will not return my calls. Also, Wells Fargo customer service indicated my account is attached a different promotion all together, which is an error on their part and has not been rectified. 

Please let me know what additional supporting documentation you need as I look forward to resolving this, receiving the promised funds and never doing business with this financial institution ever again. 

Best Regards, 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 monetary relief
Consumer complaint received 2020-12-02
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-21
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
In an attempt to collect a debt, the agency poses as lawyers and alleges that a " XXXX XXXX XXXX XXXX '' is pursuing " serious allegations against '' me that are are four federal, criminal charges if I do not resolve the debt. The amount of the debt changes from time to time, and they are all affiliates of the same company. In particular, this agency has already been ordered in Administrative procedings to cease this activity in 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: SYNCHRONY FINANCIAL
State: CA
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:
Deceptive business partnership practice with an XXXX XXXX program featuring 12 no interest payments for XXXX equipment. I have been billed for the purchase and the equipment is not even in production at factory. I have requested a refund for the purchase because the financing terms were deceptive.

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 2023-03-23
Company: EQUIFAX, INC.
State: NV
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 see that the accounts on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is an admission of documentation for the following complaints : ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO EXPERIAN XXXX I forgot to attach with the original complaints.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: WELLS FARGO & COMPANY
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan with Wells Fargo for debt consolidation. The fees being charged do not add up over the life of the loan my total interest paid should be {$1500.00}. 
I have paid more than this in interest and fees I asked them for additional information and research into this with no response

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 2020-06-01
Company: Global Lending Services LLC
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
GLOBAL LENDING SERVICE pulled my credit without my knowledge on XX/XX/2020 and, XX/XX/2020,.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Experian Information Solutions Inc.
State: AL
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:
According to all major credit bureaus, XXXX continues to compromised credit score due to its reporting, disbursements on credit file which contains the same account number beginning with XXXX is grouped in series late payments at the same time. The credit bureaus display as if the account is late 28 times, however its only four late payments. According to FCRA, this is an incorrect infraction against the consumer. The reporting has compromise credit score along with creditworthiness.

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 2022-01-06
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received several emails from Citibank to make a deposit to open my " free checking account ''. I ignored and deleted the emails as " spam '' I then sent payment to Citibank on a " secured credit card '' that I do have with Citibank. The payment I made was {$100.00} on a {$200.00} credit card balance, on XX/XX/XXXX. 
I sent the payment through XXXX XXXX 's bill pay, which is an electronic payment. I also sent two other credit companies payments at the same time. 
On XXXX, XX/XX/XXXX, I checked the credit cards. All of the payments were received, posted and my available credit except Citibank 's. 
Then I checked my emails and saw an email from Citibank, stating that the funds available to my credit card may be withheld to a a negative balance on my checking account. 
I phoned Citibank but they were closed or I stayed on hold and no one picked up after an hour of waiting. 
I went to the mobile app and nowhere did it state that I had any checking account linked to my credit card nor any information regarding this " checking account '' I never opened. 
Today, XX/XX/XXXX, I received an email from Citibank stating that there was a monthly fee of {$15.00} charged to my checking account and since I did not have the money in the checking account I never authorized to open, Citibank was charging me an additional {$34.00} for overdraft fees for the {$15.00} in fees they charged me, therefore, demanding I submit payment in the amount of {$49.00} to put my account in good standing.

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 2022-01-06
Company: FIRST NATIONAL BANK OF OMAHA
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened an account and made XXXX separate deposits : XXXX, XXXX, XXXX in this account with my name, address and ss #. I called First National Bank of Omaha and had them close this checking account. 

I have registered my information with XXXX and no one should be able to open a bank account because I have locked down my personal information.

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 2020-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
I filed multiple disputes with XXXX, XXXX, and XXXX in regards to the incorrect items on my credit reports. It has been well over 30 days and I haven't received any investigation responses to my letters that I have sent to the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: WELLS FARGO & COMPANY
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:
Wells Fargo is reporting a late on my credit file for the month of XX/XX/XXXX, XX/XX/XXXX. Due to the unforeseen events surrounding the Covid Pandemic I was severely financially impacted. Under the federal mandate and CARES act put in place you are not allowed to put late notations on my credit file. I have had an account with you for a very long time and this is extremely disappointing.

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 2020-09-05
Company: Experian Information Solutions Inc.
State: PA
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:
Experian is refusing to remove fraudulent information my wallet with my Identification and social security card were stolen someone has used my information to lease something I will attach my tax forms to prove I never lease anything with that company also will attach Identification IDs with precious address I already disputed this with two other credit bureau the items were removed with documentation submitted Experian is giving me a very hard time I will take legal action if they continue to advertise this information on my credit that doesnt belong to me ( fraudulent )

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 2020-05-20
Company: EQUIFAX, 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 contacted Equifax credit reporting on XX/XX/2020 to alert that I had some items on my credit report that I was disputing. This was necessary because I knew that I would probably need to secure a loan due to the COV19 issues that were beginning to drown XXXX XXXX. Equifax alerted me that they had contacted the companies and the reporting companies submitted automated validation of the debt. 

On XX/XX/2020 I sent certified letters to the companies asking that they provide the same validation to debt to me that they provided to Equifax including documentation in the form of ledgers, signed forms, etc that support the debt. 

The companies did not provide validation in the 30 days as required by the FCRA. Therefore, I sent a letter to Equifax to advise them of the results of my debt validation request. 

I believe that Equifax has not acted in good faith with requiring that the companies valid the debt they are reporting. Secondly, the companies did not act in good faith by providing me with the debt validation documentation that I requested. 

I am now asking for CFPB assistance because these incorrect issues on my credit report are causing me irreparable harm. I am a XXXX XXXX XXXX XXXX XXXX  and your urgent assistance to survive. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: AK
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:
First, the account is paid in full. It belong to another company, XXXX. See the attached documents showing it is paid in full. 

Second, even if a student loan WERE open, Student loans CAN NOT be collected on, reported on even if they are defaulted, under COVID rules as of XX/XX/XXXX and that has been extended to XXXX of XXXX. Nothing had to be done to have that, it was automatic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: National Credit Systems,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:
on XX/XX/2019 a dispute was made about fraud activity on my credit report, I sent over all supporting documents showing proof that this was not my information, I've tried several times after that on the following dates XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 I also sent over letters asking them along with the collection company to please remove this account from my credit report. I'm still to this day is sending over police reports and affidavits proving this doesn't belong to me. I have asked XXXX  to please remove the fraud account from my report but still I have no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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:
I applied for a credit limit increase on my Kohl 's card issued through Capital One. I was denied the credit limit increase. Capital One 's denial reason was I was at the maximum limit available. Capital One performed a credit inquiry on my XXXX Credit Report on XX/XX/2022. Given that the denial for the credit limit increase was based on internal policy it was not necessary for a credit inquiry to be performed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have provided information with tomorrow and get your dress. They seem to have it placed addresses on there that dont belong. Im just not have an easier time trying to work with these critters who wont remove anything wont update anything I dont use my full name I only was my first and my last name I have a last name that doesnt belong to me. My personal information is all messed up.

Company response to consumer: Closed with non-monetary relief