BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-29
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was under a reduced payment plan for a reasonable amount per month that was affordable. I ran into some financial difficulty and called and asked for temporary relief, rather than place me in another plan with a lower payment ( {$50.00} a month ), I was offered forbearance. 6 months later, when I wanted to start to repay the loan again, my monthly payments had more than tripled. I asked to be put back on the same payment plan I just had and was told they had no record of that payment amount. There was nothing they could do to help lower that payment and I've been forced to be in forbearance or deferment every since.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
got notice saying im being sued by capital one. I dont have a capital one card. I am XXXX  XXXX and XXXX. I am also a XXXX XXXX XXXX. I sent capital one and the courts papers for them to verify that I owe. I never heard anything back debt has not been verified. I dont have a capitol one card. I am a victim of fraud and the court/ capital one is suing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have a account a medical bill on my credit report that services was giving to and they have me as responsible for someone that I dont even know .. This account does not belong to me and I dont know who the other person that the services was giving to but I need this removed from my credit report cause this account does not belong to me and I am not held responsible

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: ONEMAIN FINANCE CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XX/XX/2020 {$6500.00} Paid account in full on XX/XX/2020 which has cleared my account. 

I emailed the branch manager, XXXX XXXX, to request the contract paperwork showing paid in full and my title. Due to my having to get an attorney in the prior year when they were adding charges fictitiously. Either way, I called the branch this morning at the direction of the branch manager and was told she was in a meeting. When I advised them that she just told me to call her, the guy cussed and said he didn't have to explain anything to me and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: U.S. BANCORP
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/2021, a Contract was entered into with XXXX XXXX XXXX located in XXXX XXXX, NV. Items were chosen for the products. About two weeks later, a call was made to us by XXXX XXXX stating that they were unable to provide the merchandise, because the manufacturer of said products had removed the samples from their store. She then asked if she could send us pictures of another sample. She was told no, we would come in and see what else they had. ( Big mistake ) We did chose something else. After not hearing from XXXX XXXX XXXX  on XX/XX/XXXX, I, XXXX XXXX, made a call to the store. I was told XXXX XXXX was on vacation. However, she left a note stating " That the counter top we ordered was also not available, because they were having trouble getting anything out of California. I then asked her if she had any idea when the material would be available, she answered, " It could be two weeks, a month or longer. '' She also asked if we would come back in and chose something else. I told her, " No. '' I then asked her if the cabinets were ordered. She replied, '' I don't know, someone else is supposed to order them. I asked her to call me back. She never did. On XX/XX/XXXX, I called her and told her to cancel the Order, because by then, XXXX XXXX XXXX had breached the Contract. She replied, " I don't know how to do it. '' I told her I would call the bank and file a Dispute. On XX/XX/2021, I called US Bank filed a Dispute. They reversed the charges. Just like this complaint US was given the information they requested. US Bank only response through emails, stating they are looking into resolving the matter. US Bank did call my cell phone on XX/XX/XXXX, at XXXX. Left no messages. Only after I checked my bank statement did I realize they Bank had reversed the charges. Claiming they could not get a hold of us. They are claiming XXXX  said, they delivered the products. We had sent several emails to XXXX, all to no avail.

US Bank, something about them no able to get the products because of COVID. XXXX  had four boxes of backsplash delivered to our home. At the time we had no idea what XXXX  was delivering. They were left on the porch without our consent. That was the very first time XXXX  had ever been in touch with us after the Contract was canceled. US Bank took their side and gave them back our hard earned money. They said that's what Visa would want. US Bank did call our cell phone again On XX/XX/XXXX, at XXXX XXXX  and leave a message, only after I had made several attempts to reach a " supervisor '' to find out how such a decision could be made.

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 2021-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/XXXX, XXXX XXXX  XXXX  opened an account in my name. I do not remember opening said account and have reason to believe it is FRAUD. 

As of XXXX, this acct has been reported to collections with XXXX XXXX for {$630.00}. Which is badly affecting my credit score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TSI/XXXX has been reporting that I owe {$660.00} to XXXX XXXX however, that account is not mine. The bill that I received for that account was in the name of XXXX XXXX. I am aware of my rights under the Fair Debt Collection Practice Act and know that it is illegal to report a debt that is not owed by me under my social is illegal and considered reporting inaccurate information and must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Paypal sent me a notification of some upcoming changes to their user agreement, but doesn't give users a way to see the full text of the agreement, only a basic description of what topics the changes to the agreement would affect. 

I talked with a customer service rep, and a supervisor, and they said the full text wasn't something they could give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: LA
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 am writing in regard to the above referenced accounts and transactions. I have continued to call and write to the companies and the credit bureaus about my credit report. I do not get responses from no one. XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX $ - XXXX XXXX {$1400.00} XXXX XXXX  XXXX XXXX {$410.00} XXXX  XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$260.00} XXXX XXXX XXXX  XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX XXXX $ - XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX $ - XXXX XXXX {$1400.00} XXXX XXXX  XXXX XXXX {$410.00} XXXX  XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$260.00} XXXX  XXXX XXXX  XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX XXXX $ - XXXX XXXX {$1200.00} I have contacted the creditors and the bureaus in hopes of getting this matter resolved. They have not responded to any of my request via phone or in writting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXXXXXX 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 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 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My XXXX XXXX XXXX Account was reported as closed on XX/XX/20 with initial remarks as " Closed at consumer 's request '' that have since been removed. This resulted in my utilization decreasing and FICO Scores dropping several points. I never requested my account to be closed and my attached current statement shows that. I contacted the company XX/XX/20 and a representative confirmed account was still open and status would automatically update. As of yesterday XX/XX/20 a full month later, account is still showing on my report as closed even though a new statement was generated on XX/XX/20. I called XXXX XXXX XXXX a second time on yesterday XX/XX/20 and was informed by a representative that I would need to contact the Credit Bureaus myself to update since it was no error on their part.

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 2018-04-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX 1. XXXX 2. EXPERIAN 3. XXXX  Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be removed immediately and permanently within 24 hours. 

Name of Account Account Number Provide Physical Verification Creditor XXXX XXXX Account XXXX XXXX XXXX  XXXX Inquiry XXXX Off Lease Inquiry Off Lease XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Cred Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Credit Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


Thank you for your prompt assistance in this matter. 


Sincerely, 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 2019-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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 was contacted on Thursday, XX/XX/XXXX, at XXXX EST, from phone number XXXX ( per caller ID ), by someone claiming to represent XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), regarding an alleged debt. I was told that I owed {$290.00} for a Bank of America account that was closed and charged off on XX/XX/XXXX. I requested substantiation of the alleged debt and questioned the validity of an alleged debt from XXXX for which no previous collection action was taken, and was told in response that I was going to be " marked as a refusal to pay '' and " placed in XXXX XXXX, so I won't be able to ever open a bank account again until I pay ''. I replied that I would take legal action, and I was hung up on. 

I called back at XXXX EST and spoke to " XXXX '' ( ext. XXXX ), who clearly stated that the alleged debt is for BoA account # XXXX, in the amount of {$290.00}. She went on to say that it was charged off on XX/XX/XXXX, and the last payment received was on XX/XX/XXXX. I asked for substantiation of the debt and provided a personal email address ( XXXX ), to which XXXX replied that she would email me the requested information in a few minutes. I never received any such information. 

I immediately went to my local BoA branch, where I spoke with a manager to review my account histories. The manager retrieved the information, and showed me that I had 2 accounts, opened in XXXX, and closed in XXXX. These accounts were closed in good standing. The manager could not locate any account in my name prior to that, and certainly not open in XXXX, nor with the account number provided by XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. 

I strongly believe this claim of debt is fraudulent, and that XXXX, XXXX, XXXX XXXX attempted to commit theft by deception in pursuit of this illegitimate collection action against me. Even if legitimate, which I vehemently dispute, I believe the threat of extrajudicial punitive action is a violation of the FDCPA, and I request that the CFPB take action against them.

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 2021-04-24
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper is saying chase is at fault, and XXXX  is saying Mr Cooper is at fault. This morning I woke to a XXXX $ Checking account balance taken from my account, 7 withdrawals of 2752.45 each. Overdrawn my account and didnt take any of my calls to correct this issue, calling the number took me to an automated service and then transferred me to customer service which stated because of Covid they can not take my call with the high call volume and hung up. I called numerous times and same results. I dont have automatic payments setup nor did I approve these charges. I had to pay 30 $ to stop payments to from XXXX  and was not able to purchase food or gas or anything because of this today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Previously I had a complaint against Synchrony Bank where 6 inquiries appeared on my credit report which I did not authorize. An investigation was done and found in my favor. Synchony Bank sent me a letter dated XX/XX/XXXX, stating these hard inquiries would be removed. The dates of the inquiries were as follows : XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 The letter stated the updates to my credit report may take up to 60 days. At this point, it is well past 60 days and two of the inquiries are still on my report. The two inquiries still showing on my credit report are XX/XX/2017 and XX/XX/2017. 

I need these removed right away as these inquiries were deemed the actions of fraud in early XX/XX/XXXX. I am trying to get my credit report in better standing and feel I have waited well beyond the amount of time expected. I have also attached a copy of the letter from Synchrony Bank stating these would be removed.

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 2019-02-03
Company: MIDFIRST BANK
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:
Filed bankruptcy with XXXX XXXX  in XX/XX/2012 but they never reaffirmed. I continued to pay then loan was sold to XXXX XXXX  .... loan is current but still not being reported to any credit bureaus.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again. 
XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX  XXXX Balance : {$3000.00}

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 2021-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Around the time of XX/XX/2019, I noticed a gross amount of fraudulent charges in small amounts on my XXXX XXXX XXXX that added up to approx. XXXX. At the time, when I noticed it, 8 months had passed. After being with Bank America for 20 years with my credit cards, I was surprised that they did not notice the fraudulent activity and out of pattern activity. Also with my card not being present! On top of everything else, my other XXXX credit cards were canceled as well and took away all of my accumulated points!! Along with destroying my credit!! I would hate to say that this is a case of discrimination, but it appears that it is! After numerous attempts have resulted in numerous declines and unacceptable reasonings. I feel discriminated against!! They were presented with a Police Report # XXXX. XXXX XXXX was negligent ( refused ) in acknowledging the documents were received. To be an XXXX American, XXXX XXXX who works tremendously hard to achieve and maintain a great credit rating, I feel XXXX XXXX has single handedly, wrongfully assassinated my credit rating and an defaming scar on my life for the last year and a half. 
I feel I am due restitution financially and my credit restored!!

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