BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-15
Company: Navient Solutions, LLC.
State: OH
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:
In XX/XX/XXXX received a pamphlet about receiving a degree or certificate for XXXX XXXX in the mail. I ignored the first one but after getting a 4th Pamphlet in the mail I filled out the Pamphlet and mailed it back in and in 2 weeks I received a letter congratulating me for being accepted and that I would receive more information. I dont recall how long it took but I received information requesting my ss # and a drivers license along with a form to fill out about my financial status, if I had a job and how much I earned. I filled out the information and signed the form at the bottom and later received a check stating that it was for a Perkins Student Loan and I was to sign and mail the check back to XXXX XXXX XXXX XXXX, XXXX DE XXXX. I received a phone call later in the week letting me know that I would receive another check and I needed to sign the second check and send it to same address above. The lady told me that they were forming a college in College location in XXXX Ohio on XXXX XXXX and I could attend partially at home and after that within 6 weeks take the remaining of my courses and test at a XXXX XXXX Location. I never did receive the books and when I went to the location on the letter along with other students we found a letter on the door with a phone number stating to call the Department Of Education in XXXX Ohio and when I did they said the XXXX XXXX XXXX was under investigation. I never heard anything back and the Department of Education said I did not have to do anything at the time. Years later I received a letter from a collection agency and later I was informed that Navient would be accepting my loan payments. At the time it was about 2,500.00 and just this year when I had a credit report pulled XX/XX/XXXX I noticed Navient had put the amount on my credit report and this month when I checked through a on line credit agency the amount has increased. I do not own anything on the old Perkins loan because I did not spend any money and the checks were sent to the XXXX XXXX XXXX. I would like to have removed from my credit report and for Navient to remove me from their list of owing for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
Dear Sirs and, or Madams : Thank you all for your time. 

I had been using the American Express prepaid " Serve '' card ending in XXXX for several years. On XX/XX/2019 I loaded it with my cash : {$1500.00}. On XXXX AMX cancelled the card, keptStole my money, citing a vague fraud clause in their policy and procedures. 

AMEX has not stated beyond the clause what they believe I did to be deemed fraudulent. 

When I called them, they would not give me any answers nor would they let me speak with the department that made the bogus fraud determination. 

I have done nothing fraudulent with their card. 

AMX has previously been in hot water with the CFPB for similar if not the exact arbitrary, unfair business practices. 

It has been almost nine months, close to a year with no resolution. I really need my money!!!! 

Thank you all again, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-10
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, Commonwealth Financial Systems sent me a letter XX/XX/2019 trying to bill me for {$820.00} for a hospital visit. The alleged original creditor is " XXXX XXXX ''. The current creditor is apparently XXXX XXXX XXXX. 

I have proof of my last payment to the hospital. I called the hospital and I no longer owe them any money ( they said I am clear ). 

If you look here ( XXXX XXXX XXXX   ) the company is known for running this type of scam. 

Please let me know if you need any more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX and requested proof of my debt be sent to me. They continually refuse to talk to me unless I provide them with my social security number. The company seems like a scam and I have never heard of them nor agreed to do business with them. Yet, they are negatively affecting my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I received a letter indicating that my student loans have been forgiven. Also, the Federal Student Aid website indicates that I now have a XXXX balance but my loan service provider, XXXX, fail to update the credit bureaus with this information. My account/records should reflect a XXXX balance and status as paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, 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:
I, XXXX XXXX, natural man/ woman have recently pulled my credit from Equifax and saw that they are reporting a bankruptcy. 
I have mailed the U.S. Bankruptcy Courts on XX/XX/XXXX2022 to ask them if they have any information about me and a bankruptcy and i also asked if they furnish information regarding public records to the credit reporting agencies. They have written me back on XX/XX/XXXX22 saying that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 
I am left to believe that Equifax have never validated or verified these public record entries on my credit report. 

I am demanding that Equifax delete this bankruptcy from my consumer report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: FIRST ADVANTAGE CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I got a background check done through yall company and it came back and said that I had a XXXX   XXXX Charge. But I knew my record is clean so I called and went to XXXX County General Sessions Court Clerk and got a Disclaimer. I went to XXXX XXXX and they told me to get in touch with yalll and file appeal. So with all this said and done I want to File a Appeal for my background!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: WELLS FARGO & COMPANY
State: OR
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:
In XXXX, I applied for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to reduce my monthly mortgage payment. During a trial period of XXXX  months, I made a new payment amount of {$760.00} as stipulated. It was less than my regular monthly payment of {$1300.00}, and I later found that my credit report reflected as 60 days delinquent. 

Since I had complied with the XXXX terms, I disputed my credit record with XXXX in XXXX, XXXX, and the determination was that Wells Fargo had reported my account status correctly. In XXXX, XXXX, I disputed my delinquent credit history again, this time with XXXX and directly with Wells Fargo. Both determined that my credit history was accurate. 

In XXXX, XXXX, I received a letter from Wells Fargo stating that my account had been incorrectly reported as delinquent to the credit reporting agencies during the XXXX trial period. I filed a complaint with Wells Fargo to ask what remedy there would be for this XXXXyear-old error. Delinquencies remain on a credit history for XXXX years ; correcting the error with the credit reporting agencies at this point does nothing to repair the damage already done. In fact, the timing of Wells Fargo admitting their error only after the delinquency period had passed is suspect. 

In XXXX, XXXX, Wells Fargo declined my request for financial compensation or any remedy other than notifying consumer reporting agencies of their error.

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 2021-09-18
Company: SandP Solutions, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am filing a complaint with Bitcoin of America I was scammed out of {$5800.00} XX/XX/2021 I received a phone call saying that they were the US government or US Marshal that they had all of my information they were linking up with the XXXX  XXXX Police Department which already had my case they told me that my social security number was compromised and I was going to be arrested or had a warrant out for my arrest they told me I needed to verify my asset immediately and that they would give me a new social security number and transfer all of my assets to a new Social Security wallet which they then sent a text message with a q r code they had me go and withdraw {$5800.00} ( XXXX $ kept getting rejected ) so they let me keep it : ( from my bank and take it to bitcoin of America ATM ( which they said was a assets verification machine ) in the form of cash that they had me remove from my back leaving XXXX $ in each of my checking accounts to keep them open ) they had me stay on the phone with him the whole time ( 3 hour process ) had me the create an account was created with all of my information they had me scan the fake Social Security wallet which was really a Bitcoin of America wallet underneath the QR code scanner on the Bitcoin ofamerica ATM machine as soon as I did. They had me go back out to my car and send them a picture of the receipt with Bitcoin of America to the same text number... .. they then continue to tell me that two XXXX  XXXX police officers would be at my house and scan the new q r code- and all of the funds that I entered into that Bitcoin ( ADR ) machine would go back into my XXXX XXXX XXXX account XXXX I have tried to reach my bank but because I pulled the cash out myself, ( via threat ) they're unwilling to help me I have not heard anything back from Bitcoin of America I have filed reports with the police department the Federal Trade Commission for economic crimes unit FBI and numerous other sites like XXXX XXXX ... .without any help tracking down the scammer or returning the funds .... I cant be the only one they did this too. They were very malacious and scammed all the money I had to my name i have XXXX XXXX year old and am being told to leave my home by the end of the month can someone please support my case it cant just be a lost cause! : ( when i went to sign back in to bitcoinofamerica.com it says my phone or account does not exist!

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 2020-11-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reviewed a copy of my credit reports and found that there was an incorrect account on my reports. I contacted the company, Portfolio Recovery, to dispute the debt and asked that they provide me with a debt validation letter. They have not not provided me with sufficient proof that I owe this debt, except copies of bills from the company that sold this debt to them. I asked for the contract specifically bearing my signature, and Identification used to open this account. None of this was provided and they fail to remove this incorrect account from my credit reports. This incorrect account has caused me and my family much grief. I can not purchase my 1st home for myself and my family because of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Experian Information Solutions Inc.
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:
On Monday XX/XX/XXXX, I went to XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX, WA, to close my checking account with them. I took my balance in a check over to XXXX  XXXX XXXX XXXX XXXX XXXX and deposited it into an account I had opened on XX/XX/XXXX. 

On Thursday XX/XX/XXXX, I received an email about a low balance notification for the account that I had been assured in person was actually empty and closed. I called XXXX XXXX XXXX corporate and they told me they would take care of it and close the account. I didn't hear from them again until I received a letter in the mail in XXXX of XXXX that the account was delinquent and had been closed. This triggered an entire credit card collapse with XXXX, XXXX XXXX 's, and XXXX XXXX credit cards I had just opened. When I called XXXX  XXXX XXXX they said they couldn't do anything because I hadn't paid low balance fees. There shouldn't have been low balance fees for an account that was deliberately emptied and closed in person at a XXXX XXXX XXXX location, nor should those other credit card companies have closed their credit lines on me due to incorrect information. 

Additionally, the credit report says my XXXX  XXXX XXXX account existed from XXXX, which is certainly not true. I used XXXX  XXXX XXXX as my sole bank account from XXXX, when I closed it and moved over to 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 2019-10-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have told this company to not contact my phone and yet the SAME PERSON keeps calling me stating this must be in writing only and the cease calls verbally was only temporary. When U ask how long is temporary she said she doesnt know and continues to talk over me and at one point chuckle when i told her i lost me job and stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a {$55000.00} credit on my Capital One Venture Card. It hit my card on XX/XX/XXXX. I requested a check on XX/XX/XXXX. To date they have failed to issue me a check for the credit balance. I have had numerous phone calls with Capital One. Each time they tell me a different time period I have to wait for my request. It started as no wait time, then went to 5 days, then 15 days. I still have not been issued a check for my credit balance. The customer service representatives have been unable to provide any reason for the hold up or give me any expectation as to when I will receive my check for the credit balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-10
Company: CL Holdings LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased a XXXX, XXXX XXXX, XXXX XXXX, from XXXX XXXX XXXX in XXXX Virginia. The vehicle was financed by XXXX XXXX XXXX XXXX XXXX, ( XXXX  ). In XXXX of XXXX XXXX went out of business. It is my understanding that the loan was transferred to XXXX XXXX XXXX XXXX ( XXXX ). All of my information with XXXX  was current including my payments. I have attempted to contact XXXX  by phone and e-mail with little success. I got no response to my email to XXXX. My phone calls were redirected and then disconnected. I was told that they did not have me in their system. 

My title still lists XXXX as the lien holder. My vehicle is listed as repossessed on my credit report. I still have my vehicle. I have not made payments to XXXX  because it indicated that I did not have a loan with the company. They have not sent me any information and have not responded to my inquiries. 

I am an XXXX XXXX on XXXX XXXX with the United States XXXX and my credit report can impact my job. I wanted a new vehicle and could have traded in my XXXX if I could have cleared the loan. The confusion on the lien holder and the fact that the vehicle was listed as repossessed on my credit report meant that I was stuck with it. 
I was also concerned that someone would come and take the XXXX and I would have no way to get to work. I have purchased another vehicle. I could sell the XXXX if I had title or knew who I should pay to pay off the vehicle. Currently my ability to do anything financial is limited.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is continuing to purposely report false and inaccurate information on my credit reports to willfully harm my credit. I have disputed with the company as well as the credit bureaus and they are still refusing to fix the fraudulent information. They are not addressing the issue and insisting that they are reporting correctly. They are not a factoring company they are a debt collector and they are reporting open factoring accounts on my credit to damage my credit and use unfair tactics to park the debt in an effort to obtain payment. The debt they allegedly purchased is not in fact factorable debt as they are a debt collector. Under the definition of a factoring company, factored debt must be current when purchased but according to them, these accounts were sent to collections. They are violating FDCP section 623 of the fair credit reporting act. I have enclosed proof of their false reporting and am requesting that these violations of incorrect information be removed immidiately or I will be forced to file suit for multiple violations. This is my second complaint that I have filed as the issues I addressed in my first complaint were blown off by the company and they only responded that they verified the information and that it's correct. They are now knowingly reporting incorrect information which is a clear violation. They even went as far as to add one of the incorrect accounts to my third credit report after receiving the information that it was incorrect and falsely reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Ace Cash Express was asking for my online banking information to get direct access to my online banking this is my complaint ( XXXX ) -XXXX this is their direct phone number they say they are in Florida but this phone number is a XXXX XXXX line

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
When I applied for the Capital One Quick Silver card, it was being advertised by Capital one as a card with " no annual fee ''. However, I am charged an annual " Membership Fee '' once a year. When this fee was initially charged for the first time in XX/XX/XXXX, I was able to get this {$39.00} membership fee waived without a problem. The representatives I communicated with on that particular occasion was very helpful and apologetic for the inconvenience. Furthermore, on XX/XX/XXXX, I was charged another {$39.00} annual membership fee. I called in on XX/XX/XXXX to dispute this charge once again. However, this time around, the representatives I spoke to were not helpful and informed me that they will not be able to help out this time around by waiving the annual fee. I do not know why I am being charged an annual membership fee in the first place when the Quick Silver card was being advertised as a card with no annual fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm a XXXX agent that uses the verification system XXXX ( Tracker and Reporting of Operations System, XXXX : XXXX : XXXX ) in order to verify the information of the consumers and provide solutions that improves their health and their lives. 
But before using the app, my identity needs to be verified, in this case through the company Experian, which process I was never able to finish since they automatically said " my identity couldn't be verified ''. I tried to find a solution with them through the phone and the only thing I was told is that they couldn't find any credit history related to me, denying any other way or option to verify my identity. 

My job depends on this, if I'm not able to use the mentioned tool, I can't do my job and so i will be fired. 

I hope that you can help me to solve this mayor inconvenient. 

thank you

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