BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: BMW Financial Services NA, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The below complaint marked as duplicate when it is in fact not, it was not submitted prior, Should this complaint be marked as duplicate to avoid address, I request CFPB look into this behavior by BMWF. Please see complaint below.. 

The last ACH payment made on my BMWF account was returned for reason ( s ) unknown to me, item does not show presented to my bank, XXXX. There appears to be an error with routing and or account number, I do not have an exact answer for return at this time. The account is now past due for months of XXXX and XXXX, total amount of {$1800.00} I believe. I sent a secure message via BMWF site today, XX/XX/XXXX, advising I scheduled an electronic bill pay in the amount of {$900.00} on XX/XX/XXXX. I plan on making an additional payment the following week on XXXX, the amount of {$400.00}. At this time I wish to clarify if account is still eligible to make ACH payments, due to this last return.. Further, I wish to advise of my payment intentions detailed above

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
on XX/XX/2020 I ordered new set of chairs from XXXX XXXX store. Upon delivery I discovered that chairs were not new and they were damaged. I have called the XXXX XXXX the same day and they told me I can return it to them and they provided me with the XXXX return labels. the product was sent back to them the next day, I have delivery confirmation, but they never credited my account back. i tried to contact them few times, but never got anything besides being transferred all the times and then get disconnected.

so i opened a dispute with my credit card company Capital One and explaine them the situation and provided with the proof of return of the merchandise but they never used these documentation when they contacted the XXXX XXXX and closed the case after XXXX XXXX stated that transaction was valid and they never received the product back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-16
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
ON XXXX An Account was opened with Discover card Services. I applied for credit at the Time in Which my account was Approved and Opened With. Credit a Limit Of XXXX On XXXX XXXX I received a call from the verifications department to sign a XXXX   verification form which I signed the verification was spent back from the IRS for inaccurate information because the application did not list the Apartments number and previous address information. A second  verification letter was sent out on XX/XX/XXXX by a representative XXXX and he made a mistake or error because he failed to indicate the proper information such as address and apartments number so that it can be verified with what is listed with the IRS. On XX/XX/XXXX I was informed the account was going to be closed without reason. I feel verification failed to enter information on my behalf. Verification failed to enter apartment number on XXXX correspondence which caused the account verification to failed the second attempt. Im requesting CORPORATE COMPLAINTS TO LOOK INTO THIS MATTER and respond back with proper reasons to why my account is closed and provide documentation to their decision with accurate information for a closed account.. The information that was submitted to XXXX for the IRS verification was not correct correspondence. At the time of my credit pull I was approved and deemed Eligible. At this time Im asking the department to look into this matter and correct the matter and Mistake on Discover Verifications department. I can be  reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Credit Control, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Okay so I am a XXXX XXXX  XXXX veteran. I received a letter dated XX/XX/XXXX on XXXX XXXX. It says I owe a debt that was from my chapter XXXX bankruptcy. I try to Call the number XXXX and no one picks up. Then it says they are too busy but to leave a message and can not leave one at all. Last year I had another debt collector harass me and try to collect on this debt. I took care of this once I noticed it was on my credit report and sent in my chapter XXXX bankruptcy discharge paperwork to all crediting agency 's in XX/XX/XXXX my dispute was completed and it was changed from a collections to a chapter XXXX bankruptcy. So this debt was already tried to be collected on from another place. How this place Credit control LLC got my info from XXXX or whoever baffles me I took care of this a year ago. I am in the process of buying a house and if this agency hits me with a collections I will not be able to purchase my house two years after recovering from my bankruptcy. To make things worse I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX retired veteran. Credit control llc XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX is trying to collect a collections debt that is not even on my credit report its like they made it up or something its insane I had my credit report fixed last year and it says it was discharged due to chapter XXXX bankrupcy. Please help me resolve this.

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 2020-11-19
Company: BARCLAYS BANK DELAWARE
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 was charged for an XXXX bookstore purchase that I did not make on my Barclay 's visa. I only originally got the card to finance an XXXX product and once paid off I actually emailed thr company and requested the account be closed. They did not close it and I noticed months later on my credit report that there was a late payment on this account in reference. I have no missed payments and I do not recognize the charge and I also have never made a bookstore purchasethroughXXXX to my knowledge. I already have an XXXX visa for all my XXXX purchases so I am pretty certain I would not have charged one thing to the Barclay 's card. I actually destroyed the card once I asked that it be closed. I contacted the company and received a letter stating I won the dispute but only for 1 dollar. I was very confused by this and continued to contact them and got an email stating that it could take 30 days to investigate. But its been several months of going back and forth and my credit score has decline 100 puts since. They also closed the account on me due to lack.of payment and now with all the late fees and interest it is hundreds of dollars owed. I have even called and spoken to a manager and dispute specialist to which that has been no resolution. And I have been denied the ability to finance some necessary services for my home due to this particular remark on my credit report that previously was in the 750s and had no missed payments. Still nothing back from Barclay 's.

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 2021-02-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company claims they have my second XXXX debt, however, the amount they are trying to collect is way off. I only purchased a {$400.00} phone and my last statement balance, prior to it being sent to collections, was {$520.00}. 

They make unreasonable, predatory offers and are unwilling to settle for {$300.00} amid covid. I think it is a generous offer considering they purchased the debt for pennies - if they legitimately own the debt. 

Please help me remove these XXXX leaches ( my second complaint ) off of my credit report. They placed a derogatory mark, it is hard for me to rent an apartment or do anything for that matter. I had some tough times and had to use my credit cards, unfortunately. These entities are horrible to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC
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:
Bayview Servicing was my mortgage company on an investment property. Unfortunately, that mortgage terminated with a foreclosure. The delinquency that led to that foreclosure began in XX/XX/XXXX as indicated on the attached mortgage statement from that month and further evidenced by the XX/XX/XXXX statement. So, therefore, on my credit report, the date of first delinquency should reflect XX/XX/XXXX or XX/XX/XXXX at the latest ... which means the derogatory reference should have come off my report at the end of XX/XX/XXXX or should come off at the end of XX/XX/XXXX. 

When I pulled my credit report in XX/XX/XXXX, the date of first delinquency was correctly ( ish ) reflected as XX/XX/XXXX - see attached credit report from XXXX. Sometime between then and XX/XX/XXXX, Bayview changed the date of first delinquency to XX/XX/XXXX. That date is not correct and therefore delays the account from being removed from my credit report. 

I disputed this error through XXXX twice - the second time I added the mortgage statement. Each time, the result came back that " consumer dispute not specific '' even though I not only checked the box that reads date of delinquency incorrect, I also added text specifying the error and attached the mortgage statement. Attached are the dispute results showing that " not specific '' comment. 

To resolve, I am seeking help from CFPB to force this correction on my credit report, so that this derogatory reference rolls off appropriately as soon as possible in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: MI
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: Investigation took more than 30 days

Complaint:
This complaint is for consumer XXXX XXXX XXXX XXXX, Social I.D . XXXX, address XXXXXXXX XXXX XXXX. XXXX, XXXX XXXX, MI XXXX, phone number XXXX in regards to factual disputes I sent out to Experian Information Soultions Inc. around XX/XX/2020 and XX/XX/2020. 
Experian failed to investigate my dispute and respond within 30 days from XX/XX/2020 on my dispute as indicated in the attached letter to this complaint for XXXX XXXX, XXXX XXXXXXXX, XXXX/XXXX, and XXXX/ XXXX. On a response outdated from Experian dated XX/XX/2020 the Experian claims that I disputed these companies already and refused to investigate. Although this may be the case the disputes are different and factual in nature and the reasons for the disputes have been thoroughly documented in the attached letter. The issues were never disputed and different. I attached a picture of the letter since the letter was not certified mail I took a picture. 
On the dispute dated XX/XX/2020, I told Experian that they were late on my XX/XX/2020 dispute and to delete the information per the 30-day policy laid out under the Fair Credit Reporting Act I also raised additional disputes directly with Experian asking for an independent investigation under the Fair Credit Reporting Act of the following companies XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. 
Each dispute raised is different and although Experian responded to the XX/XX/2020 disputes they are in violation of the Fair Credit Reporting Act for denying me an " independent investigation '' with notes and documents by a real person and the failure to knowing and willing refuse to investigate is cause for deletion of the accounts and compensation for the act. 
Experian has not stated are attempted to provide an independent investigation with written documentation from a person stating how the above disputes and in my letters have been raised instead they are avoiding an independent investigation which is my right and now must delete the accounts and compensate me for each violation. 
Failure to delete these accounts is cause for a civil action of necessary and waives any and all prior negations, are agreements in this and all matters from here in 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 2020-05-19
Company: Williams, Alexander & Associates, Inc
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Derogatory balance last reported XXXX XXXX, 2020 of {$4900.00} by WILLIAMS ALEXANDER & ASSOC. Reports that the acct. remains open and not settled. Dispute resolved contingent upon goodwill removal of debt from all 3 credit agencies ; Settlement ( {$3800.00} ) negotiated and paid to original creditor XXXX XXXX XXXX XXXX XXXX. This has caused an enormous hardship in the wake of the COVID 19 and current unemployment status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: Navient Solutions, LLC.
State: MA
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:
I have a loan that I cosigned for my younger brother. He was having payments taken out automatically on the XX/XX/XXXX of the month, and Navient stopped taking them out without warning in XX/XX/2018. When we were told he was behind on payments, my brother called in XX/XX/XXXX to have payments started again, which was supposed to occur on XX/XX/XXXX. Meanwhile, Navient reported ME to credit agencies, dropping my credit score from XXXX to XXXX when it was their mistake. It is the XX/XX/XXXX, and payment has not been processed for my brother 's loan at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've had this account since XX/XX/XXXX and have tried resolving it with several companies, the last is named IC System Inc. It's regarding XXXX demanding payment of an early termination fee in the amount of {$130.00}. I have asked that I be provided documentation of a two year agreement with XXXX, and as a result only received a copy of my last bill. Upon receipt of a " Collection Notice '' dated XX/XX/XXXX from ICS, I placed a call and spoke with XXXX XXXX about resolving the matter and my paying the amount owed {$180.00} ( minus the early termination fee ). On XX/XX/XXXX, I mailed check # XXXX with an attached letter stating my paying the balance " in full '' and would close my account. ICS returned the check stating XXXX refusal to accept the amount submitted. My account was then submitted to the credit bureau 's. I've disputed this debt with XXXX on two occasions because ICS nor XXXX has been able to provide any documentation indicating a two year agreement between XXXX and I. After receiving XXXX   's first letter ( XXXX XXXX ) stating, " the information you disputed has been verified as accurate '', I assumed they had recovered some form of agreement from XXXX, so I responded by letter asking them to provide me a copy their supporting document ( s ) which assisted in their decision. Again, I provided XXXX with a letter and supporting documents of all correspondence from all parties since this account began in XX/XX/XXXX : XXXX, ICS, XXXX XXXX and XXXX. The results from my request from XXXX  was the same result, ruling in favor of ICS while not providing me any supporting documentation from their investigation. With all my attempts to resolve this matter, I think XXXX and XXXX has not offered proper due diligence in their investigation and is casually concluding their results.

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 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Not sure if this was caused by me losing my wallet, or being a victim of the dark web and/ or the XXXX  data breach, however my identity has been compromised and the following accounts are unauthorized and unknown to me. Therefore, I'm demanding that these accounts be removed and blocked immediately from my credit files. 

1 ) XXXX XXXX  {$210.00} 2 ) XXXX XXXX  {$570.00} 3 ) XXXX XXXX XXXX {$5100.00} 4 ) XXXX XXXX  XXXX {$380.00} 5 ) XXXX XXXX XXXX {$50.00} 6 ) XXXX XXXX XXXX {$1100.00} 7 ) XXXX XXXX XXXX  8 ) XXXX XXXX XXXX XXXX 9 ) XXXX XXXX XXXX  XXXX 10 ) XXXX XXXX XXXX 11 ) XXXX XXXX XXXX  12 ) 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 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 demand that the inquiries is removed from my report. I did not authorise this inquiries. I have not heard anything from the credit bureaus about these inquiries. I demand that it is removed from my credit report.

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 2018-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
Over the last 5 years XXXX XXXX has been reporting I owe monthly installments of {$11000.00} which will equal {$130000.00} yearly for 84 months. TransUnions   did not investigate.

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 2021-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Hello, I am writing this letter to explain my concern regarding how credit card banking companies are handling customers for their profits. I have opened Bank of America XXXX XXXX credit card in XXXX and never had any late payments. Despite being very loyal to the bank and no misues, I have received an email from the bank saying " Unfortunately your credit card account has been closed '' on XX/XX/XXXX. This is very alarming to have these type of bank side frauds after taking XXXX  and XXXX  of dollars of Interest for being their customer for 6yrs and more now.

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 2018-02-28
Company: JPMORGAN CHASE & CO.
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:
date : XX/XX/18 Chase bank will not release transactions occurring in the pending pay period with basic documentation ( name + last 4 digits of account number ). They require 7-day turn around time to release this information. 

The impact this has to me personally : I have a {$5000.00} business expense that I am unable to get reimbursed for an additional 30 days. Based on timing, this will force me to either pay the {$5000.00} credit card bill with my own funds without my company 's reimbursement or pay additional APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: North Shore Agency, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/18 I received a letter from NSA, North Shore Agency. This is a collections agency demanding delinquent payment owed to XXXX XXXX XXXX. The letter was dated XX/XX/18. 
I did not order this magazine and spend over 40 minutes trying to contact them. All of the phone numbers forwarded me to automated answering machines or left me on endless hold, finally inviting me to leave a message, but with no promises that the message would be received. 
I never enrolled in a magazine subscription of any kind. I do not owe this debt and will file a complaint with the US Postal Service as well as this is mail fraud. 
I filed a claim with the Federal Trade Commission and the Consumer Financial Protection Bureau.

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