BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-17
Company: Convergent Resources, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company continues to contact me about debt they claim that I owe to XXXX XXXX. After numerous conversations and calls I have 2 different reference # s from XXXX XXXX stating I do not owe them money and my account is closed and in good standing. The error was on their part as they credited it to the wrong account. XXXX XXXX also stated that the creditors contacting me are not agencies that they work with and have never heard of them. They feel some of these companies are fraudulent. 

XXXX XXXX reference # 's stating that my account is in good standing with a XXXX   balance 1XX/XX/XXXX : XXXX XX/XX/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 2022-07-11
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act ; XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX ( XXXX ) put myself in collections for failing to repay a {$510.00} advance paid to me in XXXX. I submitted the dispute to XXXX during the XX/XX/XXXX and upon their investigation, my supervisor crossed my information out of a customer 's application, so they said they would erase the paper trail. 
Fast forward 4 years and I still find their collection attorney firm, XXXX XXXX and XXXX on my credit report. I mail a letter to both parties demanding removal and ask for fair compensation as my credit score increased by approximately XXXX points once XXXX XXXX removed the adverse account and I was turned down for financing during the time XXXX XXXX was on my credit report between XXXX and this year XXXX. 
XXXX 's says they requested XXXX XXXX remove themselves from my credit report at the time and that XXXX XXXX failed to do so. I have seen no proof of this and XXXX 's believes they are not liable for any violation of my consumer credit rights since XXXX in which I fundamentally disagree. They now continue to ignore correspondence requesting for fair compensation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-14
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: APR or interest rate

Complaint:
XX/XX/XXXX or XX/XX/2016 I opened a new account with Citi through XXXX XXXX, it is a double cash card. I opened this account because they offered a 0 % interest on purchases and balance transfers for 18 months. I recently looked at my statements and noticed that they charged me interest. So I messaged them to inquire why they were charging me interest, and they told me the 0 % offer was only on transfers and not on purchases, that the 0 % offer for purchases ended XX/XX/2016. I asked how the offer could expire on the day I applied and was approved for the card, ( give or take a few days ) and they kept repeating that the offer was for balance transfers. I know they are being dishonest, I NEVER open cards with an interest rate on purchases, especially one as high as they are charging me, 19.24 %. It would n't even make sense to open a card with interest on purchases, as I had many offers with 0 % I did my homework, I looked at lots of cards, and I chose this one because they offered the longest 0 % rate on purchases and transfers. I feel like they are bait and switching customers and I think it is illegal to use such deceptive credit practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Experian Information Solutions 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:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS ans INQUIRIES from my credit report immediately.

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 2022-02-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I would like to file a Fair Credit Reporting violations report against this credit bureau. They continue to report a XXXX  XXXX XXXX account on my credit report incorrectly. I brought this to there attention and up to this date they have not deleted it from my credit report of fixed the matter. On XX/XX/2021 I requested from this credit bureau there method of verification as it pertains to this account as this is my rights under the Fair Credit Reporting Act. Seven months have passed since I made that request and that method of verification has not been sent to me as yet. I am enclosing a copy of the letter that I sent them asking for such a request and a receipt from the post office showing that they got the request. The Fair Credit Reporting Act clearly states that a credit bureau has 15 days after they have received a request from a consumer for there method of verification for them to provide it to the consumer.

Seven months have passed and I have not gotten the method of verification and this is a clear Fair Credit Reporting Act violation for which I can seek damages for in the court of law. The Fair Credit reporting Act states that if the credit bureau is unable to furnish the item requested then this account should be deleted from my credit report. 
I am therefore asking you to delete XXXX  XXXX XXXX from my account due to the continued reporting of incorrect information on my credit report and for not providing me with your method of verification which is a Fair Credit Reporting Act violations. Kindly delete XXXX  XXXX XXXX from my account immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have a private loans through Navient that I have n't made any room on the past 6 years. I originally took out XXXX and I currently owe XXXX. I have paid over XXXX on my loans and XXXX has gone towards interest. I am currently paying XXXX % of my salary. I feel like my loans were built up from the original amount and I do n't know why. I had a few of my loans change interest rates from 7 % to 13 %. I am very confused on what is going on. I have contact them about consolidation but was told over the phone that I ca n't do this will private loans. I offered to pay a settlement of XXXX and they refused to speak with me about this. I was told they will find a way to get the remaining back from me. I tried to contact the CEO about this but nothing back from them. I feel like at the age of XXXX when I took out these loans I was taken advantage of and now I am stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
I am a survivor of XXXX XXXX in childhood who in later life became a XXXX with the help of God Almighty! I was passionately serving my patient community in the New York Tristate area when I faced a devastating legal challenge unrelated to XXXX  XXXX  that cost me my XXXX  license and put me in massive debts back in XXXX. In order to recover financially, I started looking into online trading. In XXXX I started trading XXXX XXXX  with borrowed money but started losing all the invested money, no matter how hard I tried! That is when I heard about a company called XXXX XXXX. They called me repeatedly offering quick and massive profits if I traded with them. One of their account managers by name XXXX XXXX even offered to provide signals too. They sounded very professional over the phone and I invested a total of {$6200.00} of borrowed money with them. No matter how hard I tried, there would be a sudden platform spike or dip in the opposite direction of my trade at expiry which made me lose trade after trade! I lost all the money and then XXXX offered to give a free bonus for the lost amount into the trading account. I accepted it gladly, but the same story was repeated. In the end, I lost all the money I invested. Little did I know that they were fraudulent and were simply manipulating the platform! I suffered devastating losses emotionally and financially! Due to financial hardship, my family moved away to another state! I am eligible to apply for the reinstatement of my XXXX license and I invested with XXXX XXXX in order to make some money so that I could regain my license. But they caused further hardship and untold miseries to me. I realized about the nature of scam nearly 3 years after I invested with them and my bank refuses to ( Capital one ) do anything about it due to the delay in filing a dispute. I am in an extremely difficult state financially and emotionally. Kindly help me to recover my losses ASAP! Thank you and God bless you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Admin Recovery, LLC
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:
the collection agency is called ADMIN RECOVERY LLC, in New York. The man that works that doesnt give you his name, has called me several time and even family members of mine. Claiming I owe a debt of XXXX. After itold him he had the wrong person, the wrong number, i told the man i never had an account with that amount of money and much less an account with XXXX XXXX But he insisted in harassing my family and I, and now he sent me a letter to collect the debt, after i specifically told him he has the wrong person, so I sent his office a letter requesting for validation of this debt and requesting proof of documentation that proves that links me to this debt ( sent on XX/XX/2018 certified ) and the company has not responded as of yet. They have the wrong person and Im tired of the harassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
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: Was not notified of investigation status or results

Complaint:
TransUnion has failed to verify accuracy of account : XXXX. TransUnion have failed to provide description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation of account name : XXXX. As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting. TransUnion have failed to maintain reasonable procedures to assure complete accuracy in the information they publish on my consumer report. TransUnion must comply with the law by providing the requested information within the 15 days allowed. 
A certified mail sent to TransUnion to challenging the validity of this account and requesting that TransUnion open an investigation, but TransUnion has violated my consumer rights by not sending a statement to let me know if they have opened an investigation into the matter. 
I have attached a picture of the receipt of the certified mail I sent to TransUnion concerning this matter.

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 2022-02-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I HAVE CONTACTED EXPERIAN MULTIPLE TIMES AND THEY HAVE FAILED TO INVESTIGATE MY DISPUTES. IVE PERSONALLY WENT TO A NOTARY AND NOTARIZED ALL MY PAPERWORK LETTING EXPERIAN KNOW THAT I AM THE PERSON DISPUTING THESE FRAUD ACCOUNTS ON MY CONSUMER REPORT! THEY HAVE FAILED TO UPHOLD THE CONSUMER LAW! EXPERIAN IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ). EXPERIAN HAS NO PERMISSION TO REPORT ANYTHING USING MY INFO WITHOUT MY WRITTEN CONSENT PURSUANT TO 15 USC 1681B. THEY HAVE BROKE THE FEDERAL CONSUMER LAW!

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 2015-09-12
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
In late XXXX, I got sufficiently behind on a student loan serviced at the time by XXXX XXXX which from being unemployed, however, as soon as I returned to employment I reached out to XXXX XXXX in attempt to address the loan ( current services by Navient Loan number : XXXX Original balance : {$15000.00} Disbursement date : XXXX/XXXX/XXXX Loan balance : {$35000.00} ) and I was transferred to the " collection department '' of XXXX XXXX. I later found out this was not XXXX mea but a firm they outsourced to handle delinquency assets known as XXXX XXXX XXXX. As a result, I made an agreement with XXXX XXXX in good faith that XXXX XXXX, now dba as Navient, would honor the agreement. As a result, my parents and I made a payment in the amount of XXXX on XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & on XXXX/XXXX/XXXX ( on which I had my bank XXXX XXXX XXXX retract the payment because I reached out to XXXX XXXX at the time because I could n't reach XXXX XXXX, and my calls continuously stated the number was disconnected. I look them up on the NY business registration, and they were no longer doing business. I called XXXX XXXX multiple times ( provided the attached documentation & requested they honor the agreement XXXX on XXXX/XXXX/XXXX they then withdraw XXXX from my account ( which I would have my back retract ) because they stated they would n't honor the stated agreement. As a result, XXXX XXXX now dba Navient is stating I owe them over XXXX, which does n't even accounting for the XXXX + I paid their hired collector, and even worse has directed multiple payments, totaling over XXXX dollars, I made to another loan them ( Loan information Loan number : XXXX Original balance : {$7000.00} Disbursement date : XXXX/XXXX/XXXX Current balance XXXX XXXX towards this loan after they told me they would n't honor they agreement made with their collection company XXXX. Furthermore, my previous attempts to contact XXXX XXXX regarding the account, misdirecting payments, previous agreements lead to me being hung up on by representative and managers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
There is a collection account with XXXX for {$140.00} that was removed from my credit report, however it reappeared under another collection agency last month and as a result my score dropped. The other bureaus apparently was able to disseminate this information and it was not added ; however Experian did. Over the last few years I have noticed out of all the bureaus they are by far the most INACCURATE. As a result I have had several disputes with them over the years in efforts to clear erroneous information but despite my efforts this continues to be an ongoing battle.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I periodically receive emails from Paypal saying that they are updating their legal agreements and informing me that I am agreeing to be bound by their updated terms unless I close my account. I no longer wish to use their service anymore, so I want to close my account and delete my data. 

However, when I try to close my PayPal account, I receive a message that I can't close my PayPal account. I have attempted to contact customer service about this multiple times, but no one has been able to resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was texted on XX/XX/2021 from a phone number stating that he was the CEO of the company that I work for and required me to an urgent task. He asked me to get XXXX gift card in XXXX, XXXX, or XXXX for the amount of XXXX {$500.00}. Only XXXX gift card of {$500.00} could be purchased initially in the first XXXX Pharmacy store. I had to get XXXX {$100.00} in the same store. Then, he asked to send him the code directly. After XXXX purchase of gift card totaling {$1000.00}, he asked me to go back to the store to get XXXX {$500.00}. I was only able to get XXXX {$500.00} gift card in the same store. 
So, he asked me to go to another XXXX store to the remaining {$500.00} gift card. I went to the XXXX XXXX store and was able to get {$500.00} gift card. Now, it was totaling to {$2000.00} of gift cards. After the completion of the purchase, he asked me to get more of XXXX {$500.00} in that second XXXX store. I went back, but the sale agent informed me that I can only purchase XXXX timer per store. I went to the XXXX XXXX store to get the XXXX {$500.00} gift card, but the sale agent printed the receipt that it only allowed {$2000.00} gift card purchase per day. So, then I went to XXXX store to get XXXX {$500.00}. When I was there, I was asked to get XXXX {$500.00} instead of XXXX {$500.00}. So, I purchased the XXXX {$100.00}. Each time after the purchase, he always asked to send him the gift card code directly. I did that each time. I had some doubt in XXXX that it was the CEO of the company and called him. However, he told me that he is in a conference call right now and will call me back in XXXX min. I also told him my concern over the text that this is really him. He told not to worry that this is him, XXXX XXXX. After I sent him all the code of XXXX gift cards, he told me again that XXXX cards didn't work. So, I finally texted my coworker XXXX and asked him whether the phone number of the person texting me is XXXX 's number. He told me that it is not what he saved in his phone book. So, I finally realized that I was scammed and stolen from the person texted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I opened a checking account with Bank of america ( BofA ) on XXXX/XXXX/2015. I did it because Bofa offers the possibility of no international fees when a client uses affilliatted banks out of the XXXX. I specifically asked the costumer service Rep ( XXXX XXXX XXXX ) who took my information to check this for me. He confirmed that in XXXX as well as in XXXX I could use ATM without penalty if they were from The XXXX Bank. Prior to my departure I again called to reconfirm the affilliatted banks in XXXX and XXXX. I spoke to XXXX - Costumer service- on XXXX XXXX 2015, and again I was told that I could use XXXX bank to make withdrawals without being assessed a fee. I travel to XXXX between XXXX XXXX to XXXX XXXX. 
To my surprise when I received the checking acct. statement for the balance beginning XXXX XXXX to XXXX XXXX I noticed that I had service fees for withdrawals made at XXXX Bank in XXXX and in XXXX. Immediately I contacted Bank of America to dispute those charges and Spoke both to XXXX as well as XXXX on XXXX XXXX, 2015. XXXX mentioned that Bank of america used to have that bank as affiliated in XXXX and XXXX but that it had changed and that XXXX Bank was no more affiliated with the. She told me that as a courtesy they will remove XXXX of the service fees assessed but the others will remain. She told me that was all she could do and that I should do whatever I need to do. 
My complaint is that I should not be assessed any service fees for this withdrawals since I was very clear in asking XXXX different people from BofA about giving me the information about overseas fees and both mentioned XXXX Bank as affiliated in those countries.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief