BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-09
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received this mail notice on XX/XX/2020 stating that a debt collecting process was conducted and concluded that I owed {$3600.00} on an account ending in XXXX. I believed that this is a fraudulent account that I did never authorized and need to be investigated and should be resolved before getting any further. According to this letter, there has been a lawsuit filed against me on behalf of Crown Asset Management. Before any of these fraudulent action taken place, I need to get competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: United Collection Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They called someone I know but Im not family with or friends with that person I dont even know how they got that persons number

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Waypoint Resource Group, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called the phone number for Waypoint Resource Group at XXXX on XX/XX/2018 a third time to inquire about the debt. Calls were made earlier in 2018. They have not called me back after several calls. I do not know who this or what the debt is about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/XXXX, I was approved for a vehicle ( XXXX XXXX XXXX ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ) through XXXX XXXX. The monthly payment was around {$640.00}. I provided the necessary documentation-2 current pay stubs, proof of residency ( lease and utility bill ), employment history ( 17 as a XXXX ), etc. I was there with my XXXX daughter and of course was complimented many times about her. I was told that my 1st payment would be around XX/XX/XXXX. In XX/XX/XXXX, I received a welcoming call from XXXX, that provided me with information about my upcoming payment. A few minutes after the call ended, XXXX called back to ask me if I was on XXXX leave ( I found this to be very odd that they knew that I had recently XXXX XXXX ). I said " yes '', and then we hung up. I never received the information about how to make a payment. A week later ( now a month of driving the vehicle has passed ) XXXX ( a lady named XXXX ) called to inform me that the loan was denied because I was on XXXX leave-despite the employment history and my current pay stubs. I wanted to know how XXXX knew that I was on leave. She was n't sure, but that I should n't worry and that XXXX would handle it. They " handled '' it by making hard credit inquiries without my permission- XXXX ( twice ), XXXX XXXX, XXXX XXXX, and Ally. In XX/XX/XXXX, I sent a certified letter with a signature receipt asking them to remove the unauthorized inquiries within 30 days. Their response was for me to return the vehicle. The signature on the receipt was on XX/XX/XXXX and the 5 inquiries are still on my credit report, my score has lowered, and I am still without a vehicle. I need your assistance in this mattter.

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 2017-08-09
Company: General Motors Financial Company, 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: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/XXXX, I was approved for a vehicle ( XXXX XXXX XXXX XXXX at XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, TN XXXX ) through Americredit Finance. The monthly payment was around {$640.00}. I provided the necessary documentation-2 current pay stubs, proof of residency ( lease and utility bill ), employment history ( 17 as a XXXX ), etc. I was there with my XXXX daughter and of course was complimented many times about her. I was told that my 1st payment would be around XX/XX/XXXX. In XX/XX/XXXX, I received a welcoming call from Americredit, that provided me with information about my upcoming payment. A few minutes after the call ended, Americredit called back to ask me if I was on XXXX leave ( I found this to be very odd that they knew that I had recently XXXX XXXX ). I said " yes '', and then we hung up. I never received the information about how to make a payment. A week later ( now a month of driving the vehicle has passed ) XXXX ( a lady named XXXX ) called to inform me that the loan was denied because I was on XXXX leave-despite the employment history and my current pay stubs. I wanted to know how Americredit knew that I was on leave. She was n't sure, but that I should n't worry and that XXXX would handle it. They " handled '' it by making hard credit inquiries without my permission- Americredit ( twice ), XXXX XXXX, XXXX XXXX, and XXXX. In XX/XX/XXXX, I sent a certified letter with a signature receipt asking them to remove the unauthorized inquiries within 30 days. Their response was for me to return the vehicle. The signature on the receipt was on XX/XX/XXXX and the 5 inquiries are still on my credit report, my score has lowered, and I am still without a vehicle. I need your assistance in this mattter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below account and inquiries from my XXXX XXXX, and TRANSUNION credit report ( s ). These inquiries are fraudulent and unverifiable. 

ACCOUNT : XXXX Opened XX/XX/2019 INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account ( s ) and inquiries are unverifiable, fraudulent, and are in violation of my consumer rights. Requesting to permanently remove these accounts and inquiries.

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 2018-07-19
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 would like to have a bankruptcy remove off my credit. I have contact the federal courts about the bankruptcy which they sent me a letter stating that they do not provide information with reporting agency and the reporting agency has went through a third party XXXX XXXX to obtain information which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: LD Holdings Group, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Lender provided a loan estimate consistent with its policy of matching competitive loan offers from other lenders. I accepted the lender 's offer conveyed pursuant to its estimate and application package. The lender arranged for an appraisal to occur and I met with the designated appraiser. The following day, the lender contacted me to inform me that its compliance group believed that the loan could not be made based on the amounts stated on the Loan Estimated provided, because it incorrectly calculated those fees. I note that there was no change in my status, creditworthiness, or the value of the property ( which was never actually verified because the appraisal was cancelled by the lender ).

The Lender then sent me a notice that it could not verify my credit. This was clearly a substituted reason rescinding its loan offer. My credit could easily have been verified, but the Lender chose not to do so, such that it would have a quasi-legitimate basis for rescinding its loan offer, despite the fact that its underlying miscalculation was true basis for its declining to make this loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Aspen Yo LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Gregory Funding has not responded to my complaints with in the 30 days period. Gregory Funding is not paying my property taxes from my monthly mortgage escrow. I will escrow my monthly mortgage payments moving forward and pay the taxes myself until this problem is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had a Walmart credit card originally issued by XXXX XXXX and purchased last year by Capital One Bank for several years. Banks are always saying that we must use credit responsibly and I have used this credit card and my other cap-one cards responsibly. this card has had a XXXX {$0.00} dollar balance on it for well over a year. Before cap-one ever bought the account. it has continued to maintain a XXXX balance since they purchased my account last year. Today, I go to login to my account and i'm told the account has been closed. I did not ask for the account to be closed, I was not informed in any way the account would be closed. I called customer service and was told the account was closed because I had a XXXX balance on the card for 18 months. apparently it is CapitalOne 's policy if you don't carry a balance at least once in a 18 month period they close your account. it is absolutely irresponsible to be doing this! punishing customers that do not earn you interest should be against the law if it isn't already! i've been a capital one account holder for almost 20 years. I requested that the card be reopened immediately and was told I would have to apply all over again. This would further harm my credit by placing another hard inquiry on my report and issues with account aging. If you are legally able to force people to carry a balance, at least let your customer know 90 days before hand to give them an opportunity to use the account and restart that clock!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Paypal emailed my email XXXX to inform the company I did not recognize the name on the account or the number associated I followed the help center procedure to fprwaed the email to their XXXX for investigation and have not gotten any communications, not wvwn an auto response to indicate a case is opened

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello, I would be interested in unlocking my online access to my Chase XXXX checking account, and subsequently closing this account as well. Account was opened on XX/XX/XXXX and was locked after making a {$500.00} deposit to my linked XXXX XXXX XXXX checking account on XX/XX/XXXX. My Chase account was over a year old at the time, the transaction was only for {$500.00}, and the XXXX XXXX XXXX checking account is in my name as well, so there should not have been a problem with this transaction. Since the account is no longer usable in many respects due to no online access, I would like this account to be closed as well. Statements and transactions to verify account ownership, identity, address and activity are attached to this complaint. In addition, I noticed over automated telephone banking that an insufficient funds fee of {$34.00} was deducted from my account on XX/XX/XXXX. Considering that I do not have sufficient access to my account and dont know what could have caused this fee to have been triggered, please refund this particular fee to my account at this time. I have not incurred any other fees with my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called the original creditors, today XX/XX/23. To have the unverified and unauthorized items deleted and were told to contact the consumer reporting agencies directly to have the inquiries removed immediately. I am now filing this consumer, financial protection 15 U.S.C 6801 with accordance to the FCRA to legally have these items delivered immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: CITIBANK, N.A.
State: VA
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:
Citi Bank changed their travel insurance policy right before the beginning of the Covid-19 pandemic. I was not aware of these changes when booking my vacation in XXXX of 2019 and denied the insurance offered through the booking agency as I thought my card would offer protection. 

Due to Covid, our vacation was cancelled and the booking agency would not allow a refund, postponed vacation, or a credit toward the following year. I then filed a dispute with Citi Bank and they would not offer any relief. Now, not only is the vacation cancelled but I am stuck with a bill of {$2000.00}. 

I wish that Citi Bank would clearly notify customers when terms of their card are changed. Possibly even have the card member at least acknowledge the changes to their benefits. I travel for work and settled on my two citi cards, in part, based on the travel insurance that was included.

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 2017-09-20
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have previous filed a complaint against Navient on XX/XX/XXXX. you closed the case when they lied about not getting my documentation. They were mailed the same ten documentations that I sent to the CFPB. OnXX/XX/XXXX I placed the envelope containing all ten documentations in our XXXX XXXX Post office because I needed to get the correct amount of postage required to mail the package. Navient has began to implement harassing calling on XX/XX/XXXX @ XXXX XXXX XXXX and again on XX/XX/XXXX @ XXXX XXXX. I called XXXX XXXX in XXXX Ga. I was told they do not handle student loan complaints for senior citizens over XXXX years of age.
I have been sending my documentations to Navient before and there has never been a problem getting my information. I talk with Supervisor XXXX, who continue to lie that they did not get my information. It 's strange after they supposedly did not get my information I received a letter from XXXX  concerning my Public Service Employment loan forgiveness application. It was datedXX/XX/XXXX.I called them and was told the I needed to contact Navient because they were servicing my student loan.The public service loan forgiveness application was one of the ten documentation that I sent to Navient onXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Mediation Recovery Center
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt collection company Medication Recovery Center or MRCI has placed a collection account on my credit report. They have refused to acknowledge or respond to my letters requesting them to validate debt that they say I owe. Also, this company is not licensed to collect debt in the State of Louisiana where I live. I have requested validation from this company this on XX/XX/2020 after they sent me a debt settlement offer on XX/XX/2020 and again on XX/XX/2020 with no response. 

This company has no legal grounds to be collecting on this debt. After speaking with the original creditor they stated Mediation Recovery services is not the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Convergent is in violation of 15 U.S. Code 1692e for false or misleading representation. Was told by a Convergent agent that I was paying for a delete upon paying agreed amount. Was told that account would be removed from my credit profile within 30 days. Account still reporting

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 2023-05-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
transworld systems inc. 
is trying to collect a debt that is not mine, not owed and is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 paid oof my XXXX credit card and closed the account. The company refuses to close my account. My credit reports I owe them XXXX as shown on 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 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I went onto the XXXX site to request all 3 of my reports. As it states on the site, we are allowed access every 7 days to the reports from all 3 bureaus. I tied multiple times to access my Transunion report and continually received an error. I was given the Transunion number to call. I called and was put on hold for 20+ minutes before finally getting to someone. The call was disconnected after the first question. I called back again and was on hold for another 20+ minutes. After she verified who I was, I explained to her that I was directed to call her regarding the error. After much discussion, she blamed the website and told me I had to contact them. Then she stated they only provided reports to people who were " subscribers '' and paid for the reports. I explained again that they are required by law to provide a copy of the report when it is requested due to adverse action, etc. but she would not help. I referenced and read directly to her my rights under the FCRA. She was extremely rude and still refused and continued to try to talk over me so I requested a supervisor. A Supervisor named XXXX got on the phone and told me that their computer showed I had accessed my report successfully today ( which is not true ) and that they could not do anything unless I paid for the report. I again went through the FCRA and let him know I was directed to him from the website and that they were required to provide a copy of the report due to adverse action. He again refused and I let him know that I either needed to get the report or I would file a complaint. He refused so I hung up and am filing. I still have no copy of my Transunion 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 2023-01-27
Company: V and H Portfolio
State: FL
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:
XXXX phone # XXXX XXXX XXXX XXXX Is reporting this false account on my credit report XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation