BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-23
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
ID:XXXX I was promised if I transfer money through PayPal it would be an instant transfer. Now, they are telling me it will take 72 hours. I am stuck in the middle of nowhere without gas or hotel money. They are playing with my livelihood and it is unfair. They need to be punished like I am getting punished. This is sad!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in XX/XX/XXXX my insurance company was changed by my employer. The hospital XXXX XXXX never contacted me regarding the outstanding balance not paid by insurance company. The original amount stated by hospital was XXXX dollars. XXXX is attempting to collect a debt of XXXX I spoke with XXXX at XXXX hospital regarding the account and was informed that the hospital protocol was not followed in attempting to contact myself regarding the outstanding balance not paid by insurance. I have been offered by XXXX hospital a  financial assistant program that would remove the collection from my credit report. But after speaking with XXXX, and XXXX at XXXX collections, they stated that they can not remove a collection from the credit bureaus. This is annoying and wrong! 

XXXX XXXX Last reported XX/XX/XXXX {$790.00} Reported balance Original balance {$750.00} You owe 106 % of the original balance OVERVIEW OpenedXX/XX/XXXX ( 5 yrs, 3 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor nameXXXX XXXX XXXX XXXX CONTACT INFO XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX ( 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 2020-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
Capital One Auto XXXX - This was part of my divorce decree that my husband was to pay for this vehicle. I went outside one day and my car was at the impound. I paid the rest of the loan off and this should not be reporting on my credit report as my debt. This was declared his financial obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute the accounts referenced below. 

1. XXXX XXXX, XXXX, I should not have a balance with them as I have never used the services of XXXX XXXX XXXX in order for me to be charged. I returned the equipment they are billing me for within their return period, as a result, I am entitled to a full refund of the charges. 

I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the debt ( s ). How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

Although you are a separate entity, I have disputed the item with XXXX  and it was immediately removed from their credit report. What is the difference between your investigation and theirs? 

I enclosed copies of my requests to the collection agency, asking them to validate my debt, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. They have failed to provide me with a copy of the original contract, bearing my signature, solidifying the fact that this debt belongs to me. As a matter of fact, I don't recall receive any communication from them at all and it has been since XX/XX/XXXX when I sent communication out. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I will not escalate this matter any further upon removal of the item from my credit report. This is truly ridiculous. 

I look forward to an uneventful resolution of this matter.

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 2018-03-21
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credence attempted to collect a debt from me in 2016 for services that did not make sense. I referred them to my insurance company and never heard from them again. They contacted my ex-wife 18 months later for a similar debt, but with a different provider. I did not trust their account of the situation in 2016 and this further information tells me that they are fishing based on some illegitimate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: CA
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 received a copy of my credit report. I noticed unauthorized inquires on my report from several creditors. I contacted the creditors and was told to contact the credit bureaus to dispute and remove inquiries. The credit bureaus then told me the creditor can only remove it with a written statement. I then contacted the creditors and was told they do not send written statements to the credit bureaus to remove the inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
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: Account information incorrect

Complaint:
Experian Credit Bureau representatives are extremely difficult to reach. My credit score decreased approximately 150 points a year ago when my daughter defaulted on her XXXX card and they wrote the debt off. I have been increasing my score steadily since then. I have never, ever paid any account late since the beginning of my credit history. Last month, my Experian report stated that my credit limit decreased. They didn't explain who reported that information and, as I said earlier, reaching them is nearly impossible. I would like to know why my other credit bureau scores are much higher while Experian remains much lower.

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 2020-05-05
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2019, I contacted GM Financial in hopes of receiving relief because I was 14 days behind in my payment. Therefore, during this call, GM Financial Representative provided several options, then I proceeded to exercise one of those options, which I was immediately denied. Confused, I inquired about the denial, the Customer Representative stated, I needed to pay my bill, which was 14 days late. I requested to speak to her supervisor, the representative tone, volume, and pitch became increasingly unprofessional and hostile. Therefore, the GM Representative ( XXXX ) eventually disconnected the phone, while I was in mid-sentence. I called back, to only have a representative answer, while obnoxiously laughing. A couple of weeks had past and I requested for the vehicle to be repossessed, then the charade begun, with " we are sorry for how you were treated, '' " we are sorry the representative misinformed / misquoted our policy. '' In addition, the representative falsified the notes, which created a debacle about whose telling the truth. Well, I have written the XXXX, and provided more in-depth information, and I can say my biggest mistake was becoming a customer of GM Financial. I am completely disgusted with their treatment of me and this topic. Furthermore, I was talked out of returning the vehicle ( repossession ), because I was informed, if I paid a small fee, that XXXX and XXXX payments would be placed at the end of the contract and my credit would be restored, which was another lie. As aforementioned, I should have never became a customer at all. I have 59 miserable payments to go, which I feel ( re ) victimizes me every month, afterwards, I will request for it to be deleted from credit report, because I never want to look at this mistake again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: AES/PHEAA
State: WA
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:
My student loans are serviced by FedLoanServicing ( FLS ). I have at present {$74000.00} total across seven different student loans with varying interest rates. I'm currently on an IDR payment paying about {$450.00} a month. That {$450.00} has to be allocated to the 7 loans proportionally, according to FLS. They refused my request to allocate a larger percentage to the highest interest rate loans, saying that there is a " federal requirement '' that they apply the IDR monthly payment proportionally to the seven loans, allocating the payment to each loan based on the that loan 's balance as a percent of my total student loan balance. That effectively means that I am unable to pay principle on the higher interest rate loans. Instead the principle payment is actually being applied to the lowest interest rate loan. 

I called and spoke to several people at FLS to make this request. I was transferred to a supervisor, XXXX, employee number XXXX, who denied my request and cited a federal regulation that he said requires MyFedLoans to allocate my monthly IDR payment proportionally to the student loans, instead of applying more to the highest interest rate loans. There is no written requirement in the IDR loan language stating this, and the effect of it is to ensure that borrowers may more in interest over the life of their student loans. Please contact FLS and ensure that they grant my request to apply all principle payments made through my IDR loan payment to the highest interest rate loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request XXXX XXXX XXXX to remove incorrect information off my credit report. More importantly, XXXX XXXX XXXX are in violation of FACTA section 623 ( A ) ( 7 ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a solicitation from Chase Bank in the US-Mail encouraging me with a {$250.00} ( not {$200.00} as the bank claims ) reward if I opened a new savings account with {$15000.00} and kept it in for 6-months. So on X/X/17 I opened a account as a new customer using the coupon and the bank representative kept it. 

After the six-month period expired I attempted to close the account and yield the reward. But the bank told me they had forgot to to enter the " coupon code '' into their computer system. So I was told they would fix the problem if I came back a few days later. So I did. But they did n't fix it. The Bank Manager XXXX XXXX told me to get another coupon and he would fix things. So I did. XXXX entered the coupon code into the system and then tried to keep it the coupon. I asked for it back so I would have documentation. He gave it back and told me to come back after some period. So I waited at least a week and returned. Still the bank had not fixed the problem. A bank rep. then told me to come back at XXXX XXXX and talk to the Manager XXXX. I never agreed to come back at that time. Instead I waited about a week and returned. 

This time I met with XXXX and he told me he was only authorized to give me {$50.00} but that he would n't do that because he did n't feel like it. Then he handed me a check for {$500.00} and told me to leave the bank. 

I never told him to close the account. I was trying to close the account but not till the problem was fixed. 

I never received the {$250.00}. However I did get XXXX cents in interest. 

I kept my end of the deal but Chase Bank gave me the run-around and violated our contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Reliant Capital Solutions, LLC
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I went to XXXX College back in XXXX for XXXX XXXX XXXX. I had taken most of my classes, I ended up taking a small break for a couple of months. Once I returned to XXXX College to try to complete the one class that I have left before receiving my XXXX XXXX, they informed me that the major   no longer existed. They had done away with XXXX XXXX XXXX field because of other people had a hard time finding a job in that field, also to work in that field it did not require a person to have a degree in it. Therefore I never graduated, neither was I able to find a job in that field. Shortly after that the school closed down completely due to money issues. I later found out that I was in default and that I had been sent to a collection agency in which they told me that I owed them more than XXXX .... I started paying Reliant Capital Solutions immediately as of XXXX of XXXX. The department of Education informed me that I was ok to file my income tax for XXXX. They told me that my income tax would not be offset because I had already made 5 or more payments towards it. Once I filed my income tax they took the whole thing from me despite of what they said. As of now I have no income tax, no degree, and I still owe close to XXXX with the payments that I am making every month for a school that has been closed down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
In XX/XX/XXXX I closed my BestBuy credit card ( CBNA ) due to the annual fee. CBNA did not properly close my acct which led to an annual fee in XX/XX/XXXX and subsequently led to my acct falling past due. When I called in they quickly remedied the charges and stated that the delinquency would be removed. However in XX/XX/XXXX of this year I called in because the delinquency remained on my report. The person I spoke with informed me that it would be taken care of no other information or efforts would be needed. I then received a letter asking me to provide my ssn and permission to alter my credit report from CBNA uncomfortable with this I called in and was told that my delinquency would remain despite their admission of failing to close my acct when requested. I spoke to them one last time to resolve the issue but was turned away and given no other option than to file an official complaint.

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 2019-04-23
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX : After MANY attempts to talk to a live person at Experian ( their XXXX number does NOT give an option to talk to a human ) I finally get XXXX in the " Titans ' group who takes my credit card number and promises to send me an expedited PIN number that will ship out on Monday, XX/XX/XXXX to arrive Tuesday, XX/XX/XXXX. 
It is now XX/XX/XXXX at XXXX and nothing has arrived, and nothing will. I checked my credit card and nothing was charged onXX/XX/XXXX-there should have been a {$20.00} charge for the expedited PIN shipment. 
Just now, on XX/XX/XXXX I have spent over 30 minutes trying numbers and searching the internet for a way to get in touch with an actual human at Experian, it is next to impossible. An automated line asks for your SS # and zip code then gives you limited options, NEVER does it offer a human. By a stroke of  luck I found another number : XXXX but had to press a " corporate '' button, and finally got a RUDE human who had to transfer me to the regular consumer number. This is absolutely ridiculous. XXXX, who I was finally connected with at Experian today, said that XXXX from the Titans group NEVER ordered my expedited PIN to be shipped to me. He promises that he has and it will go out tonight and I should have it by tomorrow morning. 
ALSO-the credit /freeze section of the website is a piece of XXXX and says that I am not allowed to retrieve my PIN, thus FORCING ME to pay {$20.00} for expedited shipping so I do not have to wait 10 days for the US Mail to bring it to me for XXXX cents. 

EXPERIAN IS THE WORST! THEY DO NOT CARE ABOUT CONSUMERS!!!

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 2018-05-01
Company: EQUIFAX, INC.
State: TN
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:
Equifax was contacted on XX/XX/XXXX requesting for the company to remove unauthorized inquiries from my credit file. In reciprocation, Equifax mailed me a letter demanding that I send a letter of deletion to the companies that had pulled my credit. I have contacted these companies requesting them to remove these hard inquiries and most of them didn't response. Equifax refuses to provide what method of verication was used to verify this information. Sending a letter stating that the company investigated my dispute and found the information to be reporting correctly is unacceptable. I'm requesting that CFPB to investigate this dispute with Equifax and make sure my information is reporting correctly. Please send any authorization documents bearing my signature that gave these companies the right to view my credit file. I have place identity fraud alert on my credit file because of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Chase Bank is advertising a {$200.00} bonus for opening a checking account. On the website it says open account and coupon code automatically applied. The site also indicate that I should receive my bonus for opening an account within 10 days. I called Chase and asked where was the bonus and was told it if I didn't have a coupon code that it's too late to receive the bonus. I went inside a branch to talk to a representative and got the same result. I called customer service again and was told to create another account to receive the bonus. I knew that was incorrect so I asked to speak to a manager who was rude and condescending. The manager was not apologetic about me receiving the incorrect information. I think Chase is misleading consumers to sign up for an account and not give the bonus. I could have opened an account with XXXX XXXX, but I chose Chase because they used to have good customer service and wanted the bonus. I have documents to show the what information that the website is providing that proves I have been mislead. It clearly states the bonus coupon code will be automatically applied when opening an account online which I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/2020 I received documentation from an unknown student loan servicer " Navient '' who will not address my concerns about this demand for payment without producing an original promissory note etc. ( view my attachment letter ). Navient has been misleading, reluctant to address my concerns, deceptive and attempts to collect payments without verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
A loan using my name and information was approved and pushed through by XXXX XXXX XXXX and I was put down as the Co signer on the loan. I never agreed to the loan or signed for it. I made the XXXX aware a large number of times and they continue to hold my credit hostage. I have offered my explanation to XXXX and XXXX but they are to concerned with my credit. They only want my high credit attached to a bad loan.

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