BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-26
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I checked my credit score and saw Navient reported XXXX payments as being late in XX/XX/XXXX. They take payments out of my account automatically ( and have been since setting up a payment plan in XX/XX/XXXX ) so there is no way the payments could be late. Because they reported XXXX late payments my credit score went down by almost XXXX points! I attended XXXX University XXXX and graduated XXXX University.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-27
Company: Paypal Holdings, Inc
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Is sold an item on Ebay and Paypal charged me a XXXX percent fee but I called customer service and they told me that Paypal does not charge a fee for items sold on Ebay. Ive been a loyal customer with Paypal for over XXXX years and will like if the please have the courtesy of resolving this issue by refunding he XXXX dollars charged fee or I will be selling my items on XXXX again and use XXXX payments and XXXX wallets instead of Paypal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX 2015 I cancelled services under the terms of their contract with XXXX XXXX XXXX. I received a confirmation number XXXX XXXX.They continued to charge my credit card despite repeated complaints. I disputed the charges with BankAmericard for over a year every month. Eventually BankAmericard informed me I could send them the email I had from XXXX confirming the cancellation and they would no longer accept the charges. I sent that information in months ago and BankAmericard has still been accepting these fraudulent charges which continue to be submitted fraudulently by XXXX. I attempted to dispute these charges at my BankAmericard account online tonight and got a reply that I had no charges eligible for dispute, which is incorrect. I complied with every request from BankAmericard to supply the documentation they needed to stop accepting these charges to no avail. Tonight I cancelled this card as the only option left. I would like to be reimbursed for the XXXX charges I have not been recredited for yet. I would like XXXX to be prosecuted for fraud and BankAmericard to be held accountable for their role in facilitating this fraud.

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 2016-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Bankruptcy

Complaint:
I filed bankruptcy which was discharged in 2014. Capital One reported this as discharged when the discharge took place. Capital One continues to post new negatives on my credit report monthly even thought this account was discharged and the credit card was cancelled. I know the initial negative will stay on my credit report for 7-10 years. Is Capital One allowed to continue reporting new negative information? If so, this new negative will stay on my credit report way past the 7-10 year time frame. How do I make this stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
After taking a look at my excellent credit score, I noticed on my XXXX account and XXXX on XXXX, that your company posted a collection on my account without first notifying me of an alleged debt. I have reason to believe I do not owe this debt The Fair debt Collection Practices Act ( FDCPA ) .. has certain rules in place to avoid fraudulent collections, and you did not follow their policies. You are to notify the alleged debtor of such debt to confirm is a legit debt, and the person you are harassing is the correct person and not someone else. I was never given that opportunity to view your alleged collection, and should have been allowed to respond to your demand letter within 30 days after receiving such notice I have to notify you that you are in violation of the Fair debt Collection Practices Act ( FDCPA ) .. 
I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name, mailing address and Email Address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4 Itemized breakdown of money owed and why 5. Demand an immediate cancellation of the Credit Card and an investigation report sent to me as to who and where such credit card was mailed too and who activated it and when If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 
Any and all future demands I request to be mailed certified and with a tracking number to avoid any confusion Sincerely, XXXX XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX Account number XXXX is wrongfully reporting late payments on my credit report for this lease agreement. I paid off the lease from XXXX as agreed with NO lates EVER. In addition I have paid off the lease extension for XXXX. After XX/XX/2018 THERE WAS NO NEW LEASE OR LEASE EXTENSION AGREEMENT, THUS NO CONTRACTUAL OBLIGATION FROM ME TO PAY THEM. XXXX had scheduled to pick up the car but was late by several weeks on completing their task .... This is NOT my error, I DID not agree to keep the car I did NOT agree to extend the lease I did NOT have obligations to pay. 

I have complained before with no avail from XXXX XXXX. No I'm filing my complaint with you again, and preparing my complaint with DA 's office and for FTC. I will go as far as I need to stop this abuse of consumer trust and this has ruined my credit and cause great financial hard to my credit report. I have summed up my financial damages for their error and will seek justice!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Experian Information Solutions Inc.
State: OH
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:
Experian has failed to send dispute results and is reporting the following items inaccurately XXXX see below ). This violates the FCRA. 

Additionally, rather than actually investigating items Experian has systematically and maliciously changed items on my credit report to cause my score to worsen. 

I have included information to update my address. 

ACCOUNTS XXXX XXXX not mine XXXX  XXXX XXXX not mine USD/XXXX  XXXX not mine XXXX XXXX XXXX XXXX {$110.00} not mine XXXX  XXXX/XXXX  XXXX {$380.00} not mine XXXX  XXXX/XXXX  XXXX {$490.00} not mine

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 2020-01-17
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: Account status incorrect

Complaint:
XXXX XXXX XXXX Account number XXXX is wrongfully reporting late payments on my credit report for this lease agreement. I paid off the lease from XXXX as agreed with NO lates EVER. In addition I have paid off the lease extension for XXXX. After XX/XX/2018 THERE WAS NO NEW LEASE OR LEASE EXTENSION AGREEMENT, THUS NO CONTRACTUAL OBLIGATION FROM ME TO PAY THEM. XXXX had scheduled to pick up the car but was late by several weeks on completing their task .... This is NOT my error, I DID not agree to keep the car I did NOT agree to extend the lease I did NOT have obligations to pay. 

I have complained before with no avail from XXXX XXXX. No I'm filing my complaint with you again, and preparing my complaint with DA 's office and for FTC. I will go as far as I need to stop this abuse of consumer trust and this has ruined my credit and cause great financial hard to my credit report. I have summed up my financial damages for their error and will seek justice!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Synchrony Bank refuses to provide account agreement. They've never sent me any agreement, and have refused to provide me my signed agreement, and have hung the phone up on me when attempting to call.

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 2017-02-06
Company: BB&T CORPORATION
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
BB+T forced placed flood insurance on my mortgage which added over 60 % to the cost of my mortgage. I have since provided BB+T with proof that i did indeed have flood insurance and they have claimed at first they had received it, then afterwards claimed they did not have said proof. I have read online all about the banks receiving kickbacks from the insurance companys for retroactively buying insanely expensive insurance with zero risk to the insurance company or bank. Which brings me to the math, BB+T wants me to pay them over {$1600.00} a month for my mortgage which was just {$1000.00} a few months ago. The craziest part is that the flood insurance only cost me {$300.00} dollars to buy myself for the entire year. Thats {$25.00} dollars a month for me to purchase it myself, the bank wants over {$600.00} a month for the forced placed flood insurance. BB+T wants over {$7200.00} a year versus my {$300.00} a year flood policy. My house is not worth {$1600.00} a month, nor is my flood insurance worth over 7 grand a year. I honestly dont know what i will do, it would be cheaper at this point to take BB+T to court or at the very least sell the house. I cant afford to keep paying the bank this much money. I 'd just end up having to let the house fall into foreclosure if nothing happens which will most likely kill my XXXX in the military. Please, i really need someone 's help to get BB+T to take this insanely expensive forced placed flood insurance off my mortgage. I cant believe we live in a world where a bank can mark up something like flood insurance 24 times and expect the customer to just deal with it. I can honestly say the if i 'm ever able to purchase a house again any bank that has such shady business practices will not hold my mortgage.

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 2023-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Kohls refuses to apply a credit receipt to my account in the amount of {$70.00}. See attached credit receipt and the current account history. I've tried three times to have an agent assist me, to no avail. The third time, I requested a supervisor and was abruptly disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: U.S. BANCORP
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
My sister and I applied for an RV loan at XXXX  XXXX. After initially checking our credit and prior to applying with any lenders the credit person at XXXX XXXX informed us that we would not be approved because we have never had credit together. The Credit person then asked me to take out the loan on my own. I refused. He stated that a small local lender may make the loan but at a higher rate. I ask him to apply for the loan through US Bank , XXXX XXXX XXXX and the local banks to see what comes back. 

My sister is recently a widow. She is XXXX years old with not debt other than her mortgage and a XXXX FICO. Plenty of income and cash in the bank. I am XXXX XXXX FICO no debt other than my mortgage and again plenty of cash in the bank. This is a very low risk loan. We wanted to buy this together for the family, so we could all spend time together. The plan was also to help her reestablish herself on her own, so this new was devastating to her. 

XXXX XXXX XXXX XXXX  made the loan and gave us a great rate but US Bank sent us a vague AA letter. I had to request in writing the actual reasons and i am still waiting for those. 

The fact is this process and policy is wrong, I have been iXXXX XXXX long enough to know that, in fact anyone who has taken a single RegU course on lending would know that. XXXX XXXX made the situation right by finding a lender but how they got to that point was wrong. At the end of the day if US Bank or any lender can require someone to previously have credit together they can in essence prevent people like my sister a widow from obtaining credit. This policy is Unfair to a  segment of the population. 

Please email or call me if you have any questions. 
Sincerely, 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 2020-09-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX,  XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I got a call from Capital One saying there was potential Fraud on my credit card on XXXX XXXX, XX/XX/2015. I immediately called them back the morning of XXXX XXXX, XX/XX/2015, and informed them that I did not make that charge. They said it was a charge at XXXX in XXXX I live in XXXX. It was a credit card I have n't used in around 8 years. They ( They being capital one 's fraud department ) said that I would not be liable for the charge since it was fraud. They asked me if I wanted a new card issued or if I wanted my account closed. I asked that my account be closed. I was transferred to someone else that helped me close my account. Once the account was closed, I again verified that I would not be responsible for the charge to XXXX. She assured me that I would not be and that I would receive something in the mail showing my account was closed. Not only did I not receive something showing my account was closed, but today I received a bill for the charge we specifically discussed on the XXXX. Today is XXXX XXXX, XX/XX/2015. The XXXX fraud team member at Capital One that I spoke to today XXXX XXXX, was by the name of XXXX ( or at least that 's what it sounded like ). She informed me that they have no way of flagging it as fraud until it has posted to the account. Then she informed me that there was a XXXX charge to a restaurant that was already removed from my account. I was insisting that she explain to me how XXXX charge was never mentioned to me and why would they even call me to ask about the fraud if there was nothing they can do about it and were going to send me a bill anyway. She hung up on me. So, I called back and asked to speak to a manager. I was connected with a supervisor named XXXX. He apologized that she hung up on me and proceeded to confirm that the way their process works, they can not remove charges until they post. I am still confused as to why they would call me before it posts or not mention that I need to call back after it posts in order to actually fix anything. The icing on the cake, was when the supervisor XXXX told me he would connect me with someone else to close my account. I thought, WAIT! I already closed my account. Well, it turns out they do n't permanently close it until after there is a zero balance, and I could n't have a zero balance until that fraudulent charge was removed. I am beyond frustrated and upset by a situation where I already felt violated that someone stole my information and attempted to charge things under my name. I just want there to be a clear process so that I do n't have to keep spending time and emotion on fixing a problem that I was told was already fixed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. 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 non-monetary relief
Consumer complaint received 2017-03-15
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have applied for teacher student loan forgiveness from Navient twice in the last year. I meet all the criteria to have my student loans forgiven. I feel they are illegally denying me what I have earned in order to keep my payments coming.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Other

Complaint:
Ihave a capital one credit card and they keep charging a intrest charge on my statment evry month even when i pay my full balance. In there own statment you have a 30 day grace period. I have contacted them and asked them to correct the promblem but it is still continuing. After i recieve my stament i remove the intrest charge and pay the balance i owe and right under the intrest why? I have been keeping a close watch on this but if its happenig to me how many other poeple have not and are paying intrest when they should not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
on XX/XX/XXXX i made acheck payable to, XXXX XXXX for avehicule loan XXXX is stating that they havent received the payment this was back on XX/XX/XXXX 1 month going back and fourth to, the branch the money was deducted from my acount even that the check was alter capital one corrected the amount but XXXX saying havent received the payment there for XXXX is charging me late fees for apayment that i sent and capital one is not responding for the funds deducted on my acount

Company response to consumer: Closed with explanation