BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-22
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:
When I first applied for this credit they offered a promise to charge no interest for the first year. As soon as I received my first months billing statement they denied me their promise of XXXX interest for the first year, and so on in every months statement from then on. 
In XXXX I made a full payment on the balance of about {$10000.00}, and after I finished paying the full balance i was sent on the following months bill a balance of {$100.00}, without me having made any purchases. I ended up paying that, and continued to use the card. 
On or anoutXX/XX/XXXX, i made a payment for the full balance of about {$5000.00}. The next months statement I was sent a balance of about {$500.00} in my statement without me having made any purchases. So, I closed the card, and so far refuse to pay this interest on a XXXX  balance. Capital One went on to try to access an old bank account i used to use and has been closed and attempted to collect that balance themselves. The charge did not go through, and now they are trying to tag on an extra charge based on that failed attempt to collect that I had no involvement in.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: CAVALRY INVESTMENTS, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my account! Fraud is going on wth this account and I can clearly see that I never authorized to do business with XXXX XXXX. Account shows XXXX XXXX, 2012 Amount = XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I really have 2 problems with the way Navient has handled my account. First, I received a SMART Loan Consolidation on XX/XX/XXXX of which I have been regularly paying to Sallie Mae and then Navient. I have been a XXXX XXXX XXXX since XX/XX/XXXX and learned of the Public Service Loan Forgiveness ( PSLF ) program. I applied for PSLF on XX/XX/XXXX. I subsequently received correspondence from Navient that I do not have the type of loans to qualify for PSLF. The Navient representative advised me to consolidate my loans to " under the right type of loans and make 120 more payments to qualify ''! Prior to applying for PSLF, I applied for XXXX  Loan Forgiveness and was also denied. After receiving the denial for the PSLF, I decided to apply again for the XXXX  Loan Forgiveness program on XX/XX/XXXX with the required documentation and Navient sent me yet another letter stating again that I was not eligible for XXXX Loan Forgiveness as I " did not meet the criteria ''. I contacted the Federal Department of Education and spoke with a representative who stated that I did in fact qualify for XXXX  Loan Forgiveness. To this date, my loans have not been forgiven or cancelled. In addition to this, I have asked Navient repeatedly why there is such a variance as to how much is paid toward principal from month to month. Payments are not consistently applied. Please see attached payment history from Navient. The response I received was that " it depends on what day of the month I made the payment ''. I do not believe any of my payments were applied correctly. Finally, it is interesting to note that I have been contacted by Navient in both email and postal mail form asking me to apply for a Navi Refi. Well, it's very enticing in that the NaviRefi would substantially lower my interest rate ; however, I would lose Federal benefits such as XXXX   Loan Forgiveness and Public Service Loan Forgiveness. I did apply for a NaviRefi and found eligible for 3.70 % interest rate compared to my current 7.625 % interest rate. However, I did not sign the paperwork because I did not want to give up the federal benefits and I still think my loan should be cancelled anyway through either XXXX  Loan Forgiveness or Public Service Loan Forgiveness. My sense is that Navient is determined to not cancel student loans for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax Will Not Let Me File A Dispute. XXXX : After receiving 5 emails from XXXX that there was derogatory info posted on my Equifax report, I tried to view my Equifax report and file an online dispute with Equifax. I entered all requested info on the Equifax form multiple times [ name, SSN, address ]. Each time I was given a page of 4 multiple choice questions to verify my ID. Each question asked about credit cards I 've never had, banks I 've never heard of or dealt with. I 've never had an auto loan in my life!. I completed my last XXXX in XXXX and have no outstanding student loans. So the correct answer to each question was " none of the above ''. That generated a page saying " Unable to Confirm Identity ''. Tried spelling my name exactly as it is on my SSN card [ slightly longer ]. Now Equifax could n't find my file & did n't even offer security questions. Friday XXXX, I phoned Equifax with these problems. Spent an hour talking to 3 ladies in the XXXX, including the supervisor. She said she filed the complaint for me and gave me a 10-digit confirmation number. She could not mail me a copy of what she wrote down as my complaint, so I could be sure she got it right. Tried entering the XXXX digit confirmation number today at Equifax site. Got " Unable to process your request '' .Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22
Company: Navient Solutions, LLC.
State: WA
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:
Navient student loans has indicated that I owe {$24000.00} since XXXX/2005 and it 's impacting my credited. I have never attended college or secure any student loan debt. I have asked them to remove and they in turn sent the debt to collections

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: ACS Education Services
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My loan was transfer to XXXX at the end ofXX/XX/XXXX. XXXX has provided me with the interest paid to them in XXXX & XX/XX/XXXX. But ACS, now apparently this new company, XXXX, says there is no interest information available for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
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 wife and I had to do a voluntary repot on a truck. USAA said they would auction the truck then allow us to make payments on outstanding balance. The day they sent us the payment arrangements, they also sent it to collections. They closed my wifes long standing credit card with them as well because it looked like we were in default on the truck without the chance to ever set up payment arrangements. My wife called USAA, they said they were sorry, they messed up bye sending it to collections but were unable to reverse the closure of the credit card. This reduced my wifes credit score bye over 200 points. We were told sorry, its our mistake but we cant fix it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Ocwen Financial Corporation
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a collection call for a missing payment for XX/XX/2019 that was paid on XX/XX/2019. Servicing transferred from XXXX XXXX to PHH Mortgage. Payment was sent by XXXX XXXX  to PHH on XXXX vis XXXX ( XXXX ) and received by PHH on XXXX signed for by XXXX. PHH denies receipt of payment and customer service refuses to acknowledge the issue. Called several times and always waste away on hold. When someone finally answers I am either hung up on or placed on hold again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: EQUIFAX, INC.
State: NV
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:
Theres an account ; XXXX XXXX XXXX that's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: DISCOVER BANK
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This is a secure Discover credit card which I opened with a {$300.00} security deposit in XX/XX/XXXX. In XX/XX/XXXX, I filed for chapter XXXX, which resulted in Discover closing my card account. I contacted Discover around XX/XX/XXXX to inquire about getting the remaining balance of my unspent security deposit refunded back to me, approximate {$53.00}. I was told by Discover that I needed to wait for my discharge before I could get my money back. I again contacted them near XX/XX/XXXX and was told that they did not update their system with the discharge date and I would again need to wait again, since they just now did so. I again attempted to contact them today, and was told that they applied a balance to my card account in XX/XX/XXXX, and the statement closed in XX/XX/XXXX, and I would again need to wait. To date, it has been approximately 6 months that I have been waiting to receive the unspent balance of money that I gave to them last year, and they have done nothing but give me the run around whenever I call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: BARCLAYS BANK DELAWARE
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:
An account was opened and closed the same day with Barclays Bank XXXX. But an order for an XXXX computer went through the next day. The company sent the bill to the wrong address, the unlisted/unregistered house address instead of the XXXX. XXXX given. They started calling my work so much that the secretary said stop calling. She later notified me and I checked my credit report. It was on there as a negative late. I called and they argued asking if I purchased the computer. When I demanded they remove the late for or I would not pay, they said no problem. I asked for a letter payment date because of my job, the XXXX and they said okay. The next month the late fee was still there. I called. They said they changed it but I had to file a complaint with the credit reporting agencys and they would remove it. It was just a ploy to get me to admit to having purchased the product. I filed but then my mortgage broker said remove the dispute. So I did to find another late on the credit report. I called them and again they said they had removed it and the fees. They did remove the fees to my account but Only one late mark on my credit report! One late mark remains even though they credited my account and said they would fix it all. I have spoke with several representatives, the last was XXXX, who all but one stated they had been and would remove the late marks, it just takes time for the credit bearues to update the information. Yet, they still have not been removed. I recently resubmitted as XXXX stayed to do so that it would be sure to come off and be updated. 
Yet, the results were verified and updated, which is not removed. They also lowered my XXXX account with them due to the credit score changed by them. It is the only late mark on my 25+ years in the system! Honestly, the worst company I have ever dealt with in my life. They are crooks that will weasel every dollar!

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 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BBVA was supposed to transition all of our Simple accounts over to BBVA so we could access them Saturday morning, but their site crashed and locked everyone out, and now they aren't answering their phones or sending emails or other communications about my money, and I can't view how much money is in my account or access it. They haven't sent any emails about it and the only way I can find anything out is on XXXX, and they only rarely post there. As of yesterday I should have about {$340.00} in the account but I can't see if any transactions happened or any money was taken out or added.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for an account in XXXX with bbva. When I opened the account I called to make sure the bonus would be sent and agent verified I would have it by the end of XXXX .I have called several times to inqore why I havent seen the promised sign up bonus. All requirements have been met. Secured emails have gone unanswered and no bonus has posted

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
IN accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 USC 1681 section 602 States i have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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 TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, 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 {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$5500.00} XXXX XXXX {$2800.00} XXXX XXXXXXXX {$5700.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$380.00}

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 2018-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I purchased what was marketed and presented to me as new vehicle on XX/XX/XXXX from XXXX XXXX XXXX located in XXXX, OH. I signed a finance agreement for a new vehicle. On XX/XX/XXXX I went in for routine maintenance for the vehicle and was told that my warranty was expiring in 44 days. I asked how this could be when I was told that the new vehicle has a XXXX month XXXX mile warranty on the vehicle and that my vehicle was a certified preowned vehicle and not listed as a new vehicle. I reviewed this with the salesman who brushed it off. I contacted XXXX Customer Service and was informed that my vehicle was indeed a certified preowned vehicle. I brought up my concerns to capital one auto finance dealer complaints department. I was contacted by a representative today XX/XX/XXXX I was informed that she ran the XXXX report on my vehicle and it also shows the vehicle as certified pre owned vehicle. The Capital One Auto Finance representative then advised me that she reached out to the dealership and was told by the dealership that the vehicle was a demo car and not a new car and that they do not require the dealer to disclose this information unless it is a requirement by state law. I advised that in the state of Ohio they are required to disclose if the vehicle is a demo and the capital one rep explained that it was nothing that they could do because the vehicle would meet new vehicle guidelines per the company policy because it has under XXXX miles on it at the time of the sale. I asked for some proof that she was told that the vehicle was a demo vehicle and the rep at Capital One Informed me I have it already if the information that I have is showing that the vehicle is preowned and if I needed anything for a lawsuit that is the only time they are willing to help. Capital One allows this type of deceptive business practice. I should not have paid new car prices for a pre owned demo vehicle that was not disclosed to me. This is affecting the value of my vehicle and it not what I agreed to and am paying for. I attempted to reach out the dealership who assures me that the vehicle that I purchased was a new vehicle and not a certified pre owned as listed in the XXXX systems and on XXXX reports. When I asked why XXXX and XXXX are saying otherwise he was not able to offer me any explanation and could only say the vehicle was a brand new vehicle and that is why I received a tax rebate. I asked why would a new car have a certified preowned warranty? The only response I received was I do n't know. When I asked if the vehicle was a demo he said that you can call it that and maybe it was used by the dealership employees or some customers may have driven it. The General Manager offered no solution to the problem. I am stuck with paying new car price for a certified pre-owned demo. What I agreed to finance is not what I received and have been paying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: UMPQUA HOLDINGS CORPORATION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The property in question was originally purchased as a primary domicile in Washington XXXX XXXX XXXX VA loan. The lender, Umpqua bank, escrowed taxes and insurance. I later moved for work, but kept the property as a rental. When the original policy lapsed, Umpqua procured a new policy for a rental property on my behalf. It was quite expensive. In late XX/XX/2021 I applied for a new policy with XXXX, consolidating it with my other insurance products, with a policy start date of XXXX XX/XX/2021. I did the same with another rental property with another lender at this same time. As part of the policy purchase, I provided the name of the lender/escrow, and XXXX contacted them. 

Several months later, I learned that Umpqua did not pay XXXX when billed. I received another notice at the same time re : the non-Umpqua property, but the payment there was disbursed from escrow shortly thereafter, so I thought little of it. I received a subsequent notification from XXXX, however, and they began attempting to collect the amount from me directly. I contacted XXXX to learn that they had never processed a change in insurance provider and XXXX was not on record. In inquired about the change in my monthly payments previously, but received no answer. I also directly inquired about whether or not I should pay XXXX directly, but received no answer. 

Umpqua contacted XXXX and received proof of insurance shortly thereafter. Additionally, I received an escrow analysis that lowered my payments, effective XXXX XX/XX/2021. However, when I paid the amount provided in the analysis for XXXX, I received a notification from XXXX that I had underpaid. Additionally, XXXX contacted me again requesting the insurance payment. I contacted Umpqua again asking XXXX ) whether they intended to pay XXXX XXXX ) the correct status/amount of my monthly payments and XXXX ) the reason behind the conflicting information on monthly payment amounts. I received no answers but was told they would follow up within the week. It has been XXXX weeks ; I still do not know how much I owe or who is paying XXXX. 

Note, I believe Umpqua contracts through a third party for escrow. I do not know and was not provided the name of this third party firm.

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