BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-12
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a veteran of the MA XXXX XXXX XXXX. When I first enlisted in XX/XX/XXXX I had in my military contract that I was part of the XXXX 's student loan repayment program. From XX/XX/XXXX-XX/XX/XXXX, all military contracts had the student loan repayment program in them. Over the span of 4 years I have done my part. I have filled out correct forms and documentation needed for the XXXX AND my student loan company to take over my student loans. For the past 3 years I have not been sent any documentation from my student loan company that this is being taken care of. According to a phone call on XX/XX/XXXX my student loan debt is now with a collection agency that I had to ask the name and contact information for because I have not been sent any paperwork or information. Every time I contact my student loan company I get the same response. They need paperwork stating my dates of service in the XXXX XXXX XXXX. I have sent over multiple forms, multiple times stating my dates of service and that I am entitled to have the XXXX pay off my loans because that is what was in my contract. I keep getting the runaround from my student loans. I know Navient ( formerly Sallie Mae ) is undergoing a class action lawsuit because of things they have done to their borrowers. They are not acting in favor of me, the borrower and creating obstacles for me. I have all documentation that they have requested. Including dates of military service and my military contract stating I have the XXXX 's student loan repayment program in my contract with the military. A veteran should not have to be struggling so hard with something like this. It is unforgivable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/XXXX, I purchased two tickets for XXXX " XXXX XXXX '' ride in XXXX XXXX via XXXX using my Capital One Savor Card. Total charge was {$60.00}. 
I purchased these tickets for a business trip to XXXX XXXX during XX/XX/XXXX through XX/XX/XXXX. 

I arrived to the XXXX XXXX XXXX on XX/XX/XXXX to redeem the vouchers only to learn they had expired. I could not find where an expiration date was disclosed. It was not in the XXXX email, nor was it disclosed on the voucher. Needless to say, I was embarrassed and humiliated. I had to purchase more expensive tickets on the spot and now I'm also out {$60.00}. 

I contacted Capital One to dispute the charge, but they denied my dispute. 

I will be filing a complaint with the California Attorney General, as well as filing a lawsuit in Small Claims court in XXXX County, California if this issue is not resolved by way of a refund. Both Capital One and XXXX can send one of their representatives to explain and prove how an expiration date was properly disclosed to consumers. I am disappointed in both Capital One AND XXXX for failing to support the customer and for pushing to file complaints with various agencies like the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-08-20
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a phone call at XXXX:XXXX XXXX on XX/XX/2019 from XXXX-XXXX-XXXX. It was a recorded message from Midwest Recovery saying that I need to call  a 1-888 number. After it said the numbers 888 II hung up. They did say they were a debt collector but did not say who the messages was for. It was an automated or robo call. I looked the number up in my phone data base security and checked it with the two different security checks I have and both of them stated Scam/Fraud High. The files would not upload.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Resurgent Capital Services L.P.
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: Their investigation did not fix an error on your report

Complaint:
I have disputed a collection account with LVNV Funding with XXXX XXXX XXXX for three months. This account is not a collection. It is under consolidation with XXXX XXXX XXXX LVNV is reporting I owe them {$5800.00}. This information is inaccurate and unsubstantiated. 

I request this entire tradeline to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a Chase Private Banking account XX/XX/2018 and was promised a {$750.00} bonus for my deposit after 90 days. Have call the branch reps and customer service on approximately 12 occasions and each time have been told I met the qualifications and the bonus would be deposited. It has now been 6 months and no bonus has been paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-12
Company: Bridgecrest Acceptance Corporation
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:
Bridgecrest Credit Company violated my consumer rights by not notifying me of the sale of my repossessed vehicle. The address they mailed documents to was not my address. This information was obtained through debt verification from XXXX XXXX XXXX who purchased my debt. 

I attempted obtaining verification multiple times from the credit agency and the debt collector who now owns the debt from XXXX XXXX stated XXXX XXXX states their records are correct. Which in fact is not. 

Being that I was never notified of the lingering debt or a way to pay it until being harassed by the debt buyer which I never had a contract with or received any goods or services from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have wrote the company several times to provide me method of verification on the submitted accounts. They are claiming to verify accounts but are not providing me the feedback I requested in the complaints to support their findings. They are required by law to provide me with the proof they used to verify my accounts, this keeps the creditors and the bureaus honest by only reporting what they can prove and what is provided by the source

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank took the amount for the second installment of my property tax on XX/XX/XXXX and as of today no payment to the county has been made or received. Additionally four ( 4 ) calls to US Bank asking for confirmation and proof of the payment has only resulted in multiple explanations, obfuscations and outright lies of wire payments made the day of the withdrawal from my escrow account. 

They have simply also refused to provide me with even an explanation of where those funds actually went or how they were used.

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 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
There is an incorrect account opened through TransUnion marked as XXXX XXXX XXXX XXXX. It first reported to my credit on XX/XX/2022 and it states it is a rental agreement, however, I do not currently rent from anyone. I live with family. I called TransUnion but they did not do anything about the false reporting.

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 2021-11-28
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX  XXXX -- -- XX/XX/2016 XXXX  -- XXXX XXXX XXXX XXXXXXXX These are not mines and need to be blocked and removed from my credit repor! 
I contacted each company and they said they removed but the bureaus arent removing for whatever reason. I sent proof and the foreign people at bureaus arent ever helpful. 

In accordance of the Fair credit act the list of accounts and letters sent to the ftc and bureaus shpid protect my rights. 15USC 1681 C ( A ) ( 5 ) AND 604 ( A ) AND IT STATES IT CANT DO ANTTHING WITHOUT MY CONCENT! pLEASE REMOVE THIS INFO AS IT ISNT MINES THANKS. I AM ME I AM NOT A CREDIT AGENCY SO DONT TRY AND SEND THOSE STALL LETTERS ABOUT A CREDIT COMPCLINIC CAUSE IT DONT RELATE TO ME. NO TIME TO STALL LETS UPDATE AND BLOCLA ND REMOVE THESE ITEMS PLEASE. THANKS!!!!

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 2023-04-01
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 


15 U. S. C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a accident on XXXX XX/XX/2019, and its small accident and we both parked the cars and called the police and filed the case ( report XXXX XXXX in XXXX, Arkansas. 
Since i dont have the insurance for at that time. i have pay myself, The insurance company of the other guy is XXXX. 
After 3months on XX/XX/2019 i got a call from Afni collections and they say that i have to pay XXXX XXXX 
When i called the XXXX about it they said the its XXXX $ .When i asked it about the claim they said that they have selled it to the Afni collections and i have to speak with them. thay cant to anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My attorney sent letters to all three agencies and none of them have responded. My credit score should not be as low as it is because using any algorithm with duplicated information is not going to be correct scoring process. I am discriminated in my housing and multiple things that use my credit score to make you qualify has caused me great hardship. I might even end up homeless because of their unfair practices of reviewing the credit reports timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX ( XXXX ) XXXX CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-05-17
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
contacted company to explain that this was not my debt after receiving dispute document requesting information about the account that I could not answer as it is not my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-17
Company: AMCOL Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Asked me my personal information birth date ... But before told me the wrong birth date asked me to confirm. I explained i was not comfortable giving my personal information over the phone and told them that was not the correct information they continued to ask me how i knew and i refused to give any more of my information over the phone they needed to send me a written letter. Amcol i  believe was the name who also threatened me with a letter to place a judgemwnt on me for XXXX which i did pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: MD
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 was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: IN
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:
I do not recognize and authorize the following inquiries. This is caused by fraud. 
RESIDENT VERIFY Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: CNG HOLDINGS INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in regard to a debt I do not owe. Most likely as a result of identity theft. The amount of {$880.00} is not mine. I received no letters or any receipts of any bills that pertains to this account. The collection just showed up in my mail 3 years after it was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are still waiting for the reimbursement of the two ( 2 ) {$30.00} fees and an {$18.00} fee which Freedom Mortgage charged on our loan, enriching themselves by charging us both on the statement account AND they also charged our escrow account when we recently refinanced our home at XXXX XXXX   XXXX XXXX XXXX, CA XXXX on XX/XX/2018. 

In other words, they charged three ( 3 ) SEPARATE {$30.00} FEES, TWO ON THE STATEMENT ACCOUNT AND A THIRD ON THE ESCROW ACCOUNT. They also charged two ( 2 ) separate Recording fees, once thru our escrow and another directly on our Freedom Mortgage statement. We will no longer be doing business with Freedom Mortgage and their double and triple billing only reinforced our decision to leave that company..

IN ADDITION, Freedom Mortgage charged a late fee of {$100.00}, WHY??? We were never late, how dare they take a {$100.00} fee for a non-existent late payment? AND they failed to notify our escrow company, XXXX that there was no late payment, therefore, no late fee of {$100.00} applied. They have billed the {$100.00} thru our escrow account and directly thru our Freedom statement also.

And finally, Freedom Mortgage charged us {$170.00} in ESCROW, WHY? We do not have an escrow account with them. And if they did take close to {$180.00} in ESCROW, where did they apply it exactly? They did not apply it to our XXXX County Property Tax Bill, so what did they with the {$170.00}, and why did they take it in the first place when we do not have an escrow account for us. We pay the taxes directly to the XXXX County Tax Collector on our own. 

In short, Freedom Mortgage charged three ( 3 ) separate {$30.00} fees thru escrow and directly thru their statement. Freedom Mortgage also charged two ( 2 ) {$18.00} fees, one thru escrow and another directly thru their statement. They also charged two ( 2 ) {$100.00} late fees, one thru our escrow company and a second late fee thru the statement. WE WERE NEVER LATE, and yet, they charged two ( 2 ) separate late fees of {$100.00} each. In addition, a {$17000.00} payment to ESCROW BALANCE was taken, they it is not owed.

Freedom Mortgage enriched themselves with {$510.00} of our money and we want it reimbursed.

This is unethical, bordering on criminal behavior on part of Freedom Mortgage.

Thank you. 

XXXX XXXX XXXX and XXXX 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 explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: FL
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/2023 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. i feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2021-02-14
Company: Lockhart, Morris & Montgomery Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have a debt that was recently added to my credit for {$2900.00} from Lockhart & mo.. I've attempted to contact Lockhart and a woman named XXXX was clearly the head of answering phones. She was rude, nasty, yelling at me. She told me this is my debt and I need to pay it, stop running in circles because she's already talked to me before. I've never talked to this woman or anyone about a debt. I have a decent credit score, I keep up with my bills, I always pay on time. Because of this, Lockhart was able to get my XXXX credit card company of over 7 years to cancel my account. Which I need reinstated immediately. This woman XXXX says this debt happened in Arkansas, XXXX of XXXX I've lived in the state of Connecticut since XX/XX/2015. Nothing adds up here. I've called XXXX a million times for help and I either get no where with the robot system or my results always come back from my dispute as pending ... who do I have to contact to get this fixed right away.?

Company response to consumer: Closed with explanation