BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-05
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:
I filed a complaint with you guys already and also last Sunday I already called capital one even sent them a file with a tracking number shipping label to let them know I already sent the item back to the merchant to remove a rebilled charge that was in dispute to prove to capital one that the item is out o f my possession and has been returned and still they aren't doing any progress on there behalf in getting this charge off my current credit card balance the company is not contacting me at all and when I call I can not get through the line to anyone I have already filed a dispute with you guys the other day to get through to them and still nothing there office hasn't contacted me yet and also they were supposed to send me some forms on there end for me to fill out in writing for the disputed charge in which they also never mailed me can you please contact them and let them know I never gotten any forms by mail from them to fill out and return I have proof that I sent the item back that should be enough to get this charge off my credit card balance I even called them and told them even emailed them a tracking number the item and still they aren't responding to me by mail or by phone call this needs to be looked into because they aren't doing anything about it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-25
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Second complaint regarding this months payment. They misapplied my payment then wouldnt fix it. Called the company and they stated they couldnt fix the payment until after the due date, but that It would be fixed and that the entire payment had been made and that I didnt owe for the month. Well the payment was fixed but to my surprise I receive an email last night saying my payment was overdue. I login and its overdue for {$5.00}. How is this possible when I overpaid this month? How is this possible when the person on the phone said I was paid in full for the month? Its also saying that I will be charged a late fee. Why is this when your phone rep told me nothing was due?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: NY
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:
Granite State Management has ruined the last 14 months of my life. I have not been able to rent an apartment, apply for any credit or to be able to continue to build my financial status. I have been requesting since XX/XX/XXXX for GSMR to check the system to rectify the error on my daughters student loan account. 
Initially, I was told the issue was with my daughters college, XXXX XXXX XXXX. GSMR has been informed that my daughter is no longer a full-time student and it automatically took the student loan out of forbearance. After the third call, I went to XXXX XXXX financial aid office, my daughter, XXXX and I spoke to XXXX. I was told this can be cleared up quickly. We contacted GSMR on the phone and informed them the information will be sent from the school. 
After GSMR received the information, I was informed there was a different reason as to why my daughters loan was in deferment. I was told I never signed a deferment to begin with. GSMR requested for me to sign another deferment. I did not agree with their advice, however if I did not it was going to make my credit worse. I signed temporarily, in hopes that the school would be able to provide proof of my statement. 
Friday, XX/XX/XXXX, I spoke with a supervisor from XXXX XXXX Financial Aid Supervisor, she expressed she had the same problem with her student loans while in college and accessing the Federal Student Loan Database was her solution. She explained that GSMR has full access to the Student Loan Database and should have been able to verify this information without hardship. 
I have continually requested for GSMR to please check all records that may be privy to such information and they continued to reflect negative false information that was harmfully to my credit report and my familys livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I purchased a house in XXXX Florida In XX/XX/XXXX Loan Care, a service company, took over collecting my mortgage. 
Around XX/XX/XXXX Loan Care demanded I purchase Flood Insurance claiming I was in a Special Flood Hazard Area ( SFHA ). I proved to them by uploading to their site copies of a Federal Emergency Management Agency Letter of Map Revision ( LOMR ) dated XX/XX/XXXX proving I was not in a SFHA. They rejected this proof as being out of date and purchased Flood insurance for {$2100.00} and billed my account. They are now trying to collect the extra amount by adding it to my mortgage. I protested and sent them a updated FEMA Standard Flood Hazard Determination Form ( SFHDF ) showing my house is not in the flood plain. Now they say I am not paying my mortgage and are threating to damage my credit rating. I have supporting documentation. I have written several letters and spoken to 'customer service many times.

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 2022-02-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This morning around XXXX XX/XX/2022 a man calling himself XXXX XXXX saying he was calling from XXXX  XXXX XXXX my electricity company. He provided a badge number and sounded convincing. He said he was going to shut our electricity if he we did not pay our account. He said our account was red flagged and we owed money or they would shut our electricity immediately today. First, he said we owed XXXX XXXX He said we couldnt pay via mail or credit card in time to make sure the electricity stays turned on. He said the only way for an immediate transaction to keep the electricity on was to use XXXX  payments. Then after that payment he said you need to make a deposit and it will be returned to you right away due to an issue with the software. Then he said you need to make a deposit so that the account will go through {$480.00}. So, we gave him that. Then he said the last is a deactivation code but it will not be deposited for XXXX XXXX We were concerned and didn't want our electricity to be shut off. His phone number was XXXX. He said his name was XXXX XXXX and his badge number is XXXX. He told us to send to an official sounding XXXX  account : XXXX XXXX XXXX XXXX Name : XXXX. To this account we sent two payments {$390.00} and {$610.00}. Then to a XXXX XXXX account phone XXXX XXXX XXXX we sent {$480.00}. We thought it was suspicious afterward and called XXXX XXXX, they said this was a fraud. Then we called CHASE bank to file a claim with claim ID : XXXX. They said they would interact with XXXX. I thought of also filing a claim with XXXX, but XXXX does not allow that if you performed XXXX throught you bank. We also called the police and spoke with them about this incident. The man called again and we recorded him. He has been calling all day. We are scared and not sure what to do. As soon as we were suspicious we called XXXX XXXX and realized it was a scam and then called the bank right away. This is within 30 minutes of ending the phone call with the suspicious man. I saw online that if someone tricks you into paying a scam you are protected by the Electronic Fund Transfers ( Regulation E ). Please help me, I am just a student trying to helping my mom out with some bills. This was almost all of the funds in my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Summary : My credit score has decreased by a significant amount due to XXXX XXXX incorrectly attempted to charge me for two months after the end of a new car lease, even though I had paid-off my entire two year lease term one year in advance. Also, I have purchased this car after my lease term had ended, but had still been charged for two months of car lease payments. Once I had noticed this, I had provided a written dispute to XXXX XXXX, insisting they fix this unnecessary issue. Very shortly after, they had closed my account, but they had never fixed the reporting to the credit bureaus to reverse the two subsequent months of reported delinquency on my account for any of the credit bureaus, and therefore I am still suffering from the negative impact they have caused me from a drop in credit score rating by more than 60 points. Their acknowledgement of quickly closing the accounts upon my dispute to them shows they understand they have made an error resulting in a financially negative impact to my credit report, though, they have chosen not to take the necessary steps to correct this error. 

Details : XXXX XXXX attempted to charge me an additional two months of a lease term ( $ XXXXmonth for each of those two months ) than had ended and were not due, resulting in a  significantly negative impact on my credit report/score. 

XXXX XXXX attempted to charge me for the months of XXXX and XXXX of 2018 ; I should not have been charged these two months, but was nonetheless charged late for these two months. 

XXXX XXXX then closed my account as a response to my filed dispute on XX/XX/2018, but they had failed to report that I had not been late, or even that these falsely manifested payments never existed. Due to this, my credit score has decreased significantly, hindering me from successful financial management going forward.

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 2021-09-02
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind after being misinformed when applying for my loan. I was misadvised that I'd be able to apply for a refinance shortly after receiving the loan so that my payment could be lowered which was not the case. Due to this misinformation, I took on more than I could afford to pay and once I fell behind it became a struggle to bring the loan current. I was also unemployed in 2018 which caused a further strain on my finances so I have been struggling for years at this point. I am now in the process of applying for a short sale and I have submitted the application documents but I need PHH to allow me at least 60 days to meet all of the requirements. I have a willing and able buyer ready to make an offer on the property. Can someone please help me reach out to PHH for assistance? I want to settle the loan so that I don't have to deal with the ramifications of a foreclosure auction on my credit since I have been working for the past 3 years to rebuild my finances and creditworthiness. I am raising a family and if the house gets foreclosed on that would devastate my family. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am clearly a victim of retaliation except my credit report is taking the hit. I made a flow up report to XXXX XXXX about the XXXX dealer that sold me a car 2012. The bankruptcy court and attorney advised I had to return the car because the court did not approve. The dealership lied. The car was returned a few months later in 2012. After filing a complaint on XXXX and XXXX and Experian. Experian allowed a company called XXXX XXXX in XXXX Texas to list this as a new collection item which drop my score XXXX points. At what point to I have a regulatory advocate that stands up for my rights. I am victmiized over and over. I can only think it is all tied to my complaints on the ther major companies.

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 2019-03-16
Company: Experian Information Solutions Inc.
State: NY
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:
To Whom It May Concern, The reason for my dispute is XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. the date on this account is not valid and it is in error please delete this account it is not accurate FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY

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 2019-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX has ruined the last 14 months of my life. I have not been able to rent an apartment, apply for any credit or to be able to continue to build my financial status. I have been requesting since XX/XX/XXXX for XXXX to check the system to rectify the error on my daughters student loan account. 
Initially, I was told the issue was with my daughters college, XXXX XXXX XXXX. XXXX has been informed that my daughter is no longer a full-time student and it automatically took the student loan out of forbearance. After the third call, I went to XXXX XXXX financial aid office, my daughter, XXXX and I spoke to XXXX. I was told this can be cleared up quickly. We contacted XXXX on the phone and informed them the information will be sent from the school. 
After XXXX received the information, I was informed there was a different reason as to why my daughters loan was in deferment. I was told I never signed a deferment to begin with. XXXX requested for me to sign another deferment. I did not agree with their advice, however if I did not it was going to make my credit worse. I signed temporarily, in hopes that the school would be able to provide proof of my statement. 
Friday, XX/XX/XXXX, I spoke with a supervisor from XXXX XXXX Financial Aid Supervisor, she expressed she had the same problem with her student loans while in college and accessing the Federal Student Loan Database was her solution. She explained that XXXX has full access to the Student Loan Database and should have been able to verify this information without hardship. 
I have continually requested for XXXX to please check all records that may be privy to such information and they continued to reflect negative false information that was harmfully to my credit report and my familys livelihood.

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 2021-06-24
Company: AMERICAN EXPRESS COMPANY
State: NY
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 requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Harpeth Financial Services, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I scheduled a payment plan to pay {$150.00} on XX/XX/30. On XXXX, they took that payment and an additional {$1100.00} from my account. Taking my entire stimulus payment and leaving me in the negative. My rent check bounced and my other utility payments that I had set to clear the first week of XXXX will also bounce. XXXX XXXX XXXX  ... we cant do anything, call your bank. Ruthless predators that are taking advantage of people during a pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: TN
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Transunion, XXXX, and XXXX refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue Tax lien is a public record I contacted the courts myself and was advised that they do not " REPORT/ VERIFY '' any public records for credit bureaus because the information that is on my credit report is invalid did not file tax lien XX/XX/2010, liability amount is XXXX  which is invalid which is a violation of new public record law stating that if public record includes invalid information it must be removed. They reporting varies accounts missing account validation, no contracts with my signatures, amounts, account numbers, creditors contact information etc for the following : XXXX XXXX XXXX XXXX ( ALL ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and 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 2019-05-25
Company: CURO Intermediate Holdings
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Speedy Cash  Overdue for pass loan in the amount of XXXX. Was told of the phone calls and letters sent to home address but has since moved and phone number has been disconnected. Fell on hard times and could not repay loan. Only asking for more time to pay loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
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:
I filed a dispute with Equifax on XX/XX/2018.I never received a response that any investigation was done or completed.I contacted them on XX/XX/2018 in regards to this matter, and they had no explanation.I was told you need to contact these companies yourself, if your report is incorrect, and these account do belong to you.I continue to ask, why I was not notified of your results, he refuse to answer.He said where did you get this information?, XXXX XXXX XXXX is your report, '' does this question make any sense? no, it does not.I told this person, that  this account has been on my report for 7 years or more, and should be removed.Also another company called XX/XX/XXXX , I have  never done any business with, to my knowledge, he said call them. 

I need a resolution to this ongoing problem with Equifax, which has destroyed my credit, and lowered my score.It has been more than 30 days, since I filed this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/19 I submitted a dispute with Experian disputing the XXXX XXXX XXXX collection account that is reporting on my credit report. Experian claims the debt was validated and did not remove it from my reports. 

XX/XX/19 I submitted a request for Experian to provide me method of verification they used to ensure the debt was valid. I never received anything confirming. 

On top of that, this account is a collection reporting a past due balance. This is also a violation. 

I reached out to XXXX XXXX XXXX on XX/XX/19 to request validation and they also failed to provide me with any documents regarding this account.

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