BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
first i enter my information stuff like my first name, middle name, last name, address, zip code, and my email address and i then i put some of the pay number that i want for my self and i went to get my code from capital one to XXXX XXXX to put it on home phone number but i didn't got the code on my home phone and i want to see what is my code from capital one to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: SC
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 am displeased that you included the following information in my consumer report and that you have failed to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. this grave error has damaged my confidence in your companys procedures, and because of this I will no longer be extending credit, and I will not be extending my consumer credit and if this information is not removed, I will no longer want my information reporting in your companies database. The reasonable procedures listed in the affidavit herein were not followed and this is a violation of the FCRA ( Fair Credit Reporting Act ). I have the right to privacy and the right to know where and how to direct the disclosure of my nonpublic information. I, the affiant, have the right to privacy and the right to know where and how to direct the disclosure of my nonpublic information.

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 2018-09-17
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After disputing certain accounts/items on my Equifax credit report I received an email when the dispute results were ready stating that I can view the results online with a confirmation number & a link to go to. However, every time I log in to check the dispute results I get this message " We are currently unable to process your request! The information you have provided does not match our records ; therefore we are unable to process your request online. 
Please try again later or contact us directly to check the status of your dispute. 
We apologize for the inconvenience. '' After receiving this message I have called multiple times to find out what information doesn't match their records and they never know what the problem is and all my information matches what they have in the system. They then just try to read me the disputes without any proof or written notification. They do not allow results that are online be mailed to my address either. So not only can I not view my results online and save for my own personal record, I also can not request a hard copy be mailed to me address. A few times an Equifax customer service rep has even suggested to " just try again later '', which is completely unacceptable and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Collection Service of Nevada
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
In or about XXXX, as assumptive debt creditor, Collections Service of Nevada obtained a judgment against my wife and me together for a single claim arising out of a claim made for our joint tenancy of a pre-XXXX XXXX NV corporate-managed rental. 

Subsequently they engaged the Sheriff of XXXX County, Nevada to garnish all relevant amounts, which said Sheriff regularly did, to absolute completion months ago. 

Nonetheless, XXXX/XXXX XXXX/XXXX  continue to report re same CSN issue that A ) not XXXX cent of judgment has been paid ; and B ) per CSN, we have been suppressing our whereabouts from public discovery since at least XX/XX/XXXX to date of any new inquiry. 

Now, even my wife has contacted the said CRAs to inform them our unbroken tenancy since XX/XX/XXXX to date ( used for IRS, XXXX, voting, et al ) has been at the same property as where originally served with Court complaint ; in fact, the premises at all times has been owned/managed by a member of a prominent NV family ... his grandfather was a Governor, his step-brother is the current XXXX XXXX Attorney, and even the woman attorney for CSN ( plaintiff ) was then President of the XXXX County Bar Association and 10-year top assistant to the said City Attorney when he was a XXXX XXXX ; surely repeatedly directed to our lessor, CSN would have no trouble correcting its CRA position that we are suppressing our whereabouts since some point in XXXX ; surely by now also, CSN is in receipt of all funds et al collected in totality by the XXXX County Nevada Sheriff. 

Since nothing my wife and I have yet done is able to militate CRAs or CSN to correct such amount still due/have never been found errors most harmful to our attempts to get verification of residency via CRAs only, and harmful in casting us as people who still owe them money, I am submitting this complaint to CFPB for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I am complaining about a bait-and-switch credit card offer, for an XXXX credit card offered by Bank of America. XXXX is promoting a XXXX Signature card, which provides for free baggage check and other worthwhile benefits. I applied for the card, on-line, and was approved. I received a credit card in the mail, but after taking a closer look, I saw that it was a Platinum Card, not a Signature card. The card did not include free bag check, or any other significant benefits. The card had a {$1000.00} limit, and cost $ XXXX. I had not applied for this card. When I called B of A, I was told that the card already had a {$50.00} charge. I was able to cancel the card, but I was disturbed by the obvious bait-and-switch tactic. I went back to the XXXX web site. Nowhere does it say that I am applying for a Platinum card. " Platinum '' is not mentioned on the home page, or on the Signature card promotion page. It is only when you go to the application page, that the Platinum card is even mentioned, and nowhere does it state that the application is for either card. It is only by going down to the " Terms and Conditions, '' at the bottom of the page, and then scrolling down through the " Terms and Conditions '' to a section that is not even initially visible, that a provision appears, in the smallest type font on the page, stating that B of A may approve a Platinum card, instead of a Signature card. But even there, it does not state that by applying for a Signature card, XXXX is also applying for a Platinum card. I applied for a Signature card. The application was approved on-line, without the need for any further action on my part. I was not told that I had only been approved for a Platinum card, or given an opportunity on-line, to reject the Platinum card before it was shipped. 

This offer is clearly designed to allow B of A to bait-and-switch the Platinum card for Signature card, without any adequate warning to the consumer. If I had not closely looked at the card after it arrived, I would have ended up paying a {$50.00} fee for a high interest, low limit credit card that did not have the benefits that I thought I was receiving. 

I spoke with representatives of both XXXX and Bank of America, explaining the deception, and asking that they change the ad. The XXXX representatives with whom I spoke agreed that that web page was deceptive, but told me there was nothing that could be done, because Bank of America controlled the content. The Bank of America representatives told me that someone would be in touch with me, but I have not been contacted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-03
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
The problem began in XXXX with XXXX XXXX. I left school and I was off traveling and the around the US and the world my loans became due. After 20 months of being gone and moving around, I finally forwarded my mail to my new address in California, where I currently reside. I really had n't used my credit for much at that point other than credit cards and those limits were low {$400.00} to {$700.00} dollars. I had some money troubles and went to get a loan and they said my credit was horrible. During this time I contacted XXXX to get on a payment plan and I said I would be able to pay XXXX to XXXX dollars a month and was told the company could n't do that. So they told me about deferment and I elected to go with that. Now my loans are with Navient and I am on my last deferment and in XXXX it is up. I have contact them a few times and I get the same answer. I would love to be paying on them but I just do not make enough to handle those payments. I currently have really low rates and does n't makes sense to me to restructure my loans at a different rate. If they would work with me I could start to pay more because my credit would get better and now expand my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XXXX FRAUDULENT CHECKS ( ACCESS CHECKS ) LINKED TO MY CREDIT CARD WERE PRESENTED TO MY BANK XXXX BANK OF AMERICA XXXX FOR PAYMENT. I DID NOT WRITE OR AUTHORIZE THESE CHECKS. THE CHECKS WERE RETURNED STAMPED EXPIRED. THE CHECKS CONTAINED AN EXPIRATION DATE. WHICH HAD PASSED

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: MI
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 XXXX accounts below have violated my rights 1.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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 2.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX 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 3.Account Name : XXXX XXXX Account Number : ending in XXXX 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 4.Account Name : XXXX  XXXX Account Number : ending in XXXX XXXX5 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 instruction 5.Account Name : XXXX Account Number : XXXX 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 2020-01-03
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Got a call from Midwest Recovery Systems XXXX spoke to XXXX on XX/XX/XXXX at XXXX EST about a debt that appeared on my credit report on XX/XX/XXXX. He stated it was from a loan from XXXX XXXX XXXX from XX/XX/XXXX via XXXX XXXX of XXXX Florida for {$5000.00}. Stated that I owed {$7900.00} on the loan. I live in Ohio and have never opened any accounts in Florida he stated I needed to file a police report and he would send the documentation over to me. I never received anything from him or anyone else. I monitor my credit report closely and this has never been on any reports. I found there are over 600 complaints in the last three years similar to this against this company which has resulted in the XXXX revoking their Accreditation. While I will still file a police report I also wanted to file a complaint with CFPB as I am sure there are others dealing with this same scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: Midwest Recovery Systems
State: NY
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I got a ding on my credit report from the XXXX bureaus of a debt collection from Midwest Recovery Systems. I do not know the company and I did not get any notice before they put a collection on my credit report. I do not do payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have turned in several applications : XXXX forgiveness, Obama, and Public Loan Service forgiveness. All of which have been sitting on someones desk, not processed. I was told so many excuses but the truth and what was given to me- that was " your loan is forgiven ''. I even applied Temporary Expanded Public Service Loan Forgiveness. What I got was XX/XX/XXXX-XX/XX/XXXX more payments and for them to tell me to refinance and they do not know what to do was the response I got. Fedloan says that my age of account is 5 years 3months, but that is incorrect. I have never refinanced nor did I get a loan from them 5 years 3 months. This company has ruined my credit and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: National Credit Adjusters, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I see that this collection agency is reporting on my credit reports and I was unaware of what it was for. I called the company and was told that the debt was from an XXXX. I have no idea about this company I requested proof of debt I was sent something with a signature that is n't mine. I am a victim of identity theft. I also asked them to send me proof of their rights to collect the debt and the date that they took over the debt, their license number, and proof that they have the right to collect in my state. The only thing I 've received via mail is a contract that was n't my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Bread Financial Holdings, Inc.
State: FL
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/22 my Comenity XXXX  MasterCard was fraudulently charged {$67.00} for a XXXX purchase I did not make ( this was a a XXXX breach as several of my cards on file with them were charged with erroneous orders ). I was contacted via text to verify if the charge was mine, to which I responded it was not. I was contacted by their fraud department and told it would be investigated and a new card issued. To date, I have not received a credit for the charge, nor have I received a replacement card. I have tried to log into the site multiple times and it has been down ( to the point they are waiving late payment fees ). After multiple attempts to call them to resolve this, I have currently been on hold with their fraud department for over 1 hour, with no end in sight. This is not okay. I am very concerned about the safety of my personal information and the inability to make contact with the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-03
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been right on time and paying more the what my payment is on my student loan every month. I paid {$90.00} to American education services XX/XX/XXXX. No they are demanding I pay {$280.00} XX/XX/XXXX and I just got a noticed that I had to pay XXXX by XX/XX/XXXX!!! What kind of XXXX is that! Thats over {$400.00}! I can not believe they are trying to scam more money from me. If this is not resolved I will be getting a lawyer. They contacted me way to late and are asking for separate payments way to close together.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: Capital Markets Cooporative, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Servicing rights to my mortgage were transferred before my first payment. There was no notice of transfer of servicing rights given to me by the original company ( XXXX XXXX ) or the new company ( CMC Funding Inc ). Neither company will give me further instructions in regards to making my first payment. The only reason I found out that CMC now has the servicing rights over my loan is that they were listed as the servicer on a transfer of ownership of my loan

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 2022-07-27
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2022 I reviewed my consumer reports and noticed 5 accounts being reported by Navient. Each account is reporting inaccurately. I mailed Navient a certified letter via USPS ( tracking number XXXX ) which they received XX/XX/2022 ; making them aware I did not agree with the amounts of the alleged debt they are furnishing to consumer reporting agencies. I requested all documentation that proves their claim is valid, including how the amount was calculated. In my letter to Navient, I included a copy of my North Carolina Identification card and Social Security card. I have attached a copy of that letter here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Hello, I have been disputing an account with this company for a collection account on my report that is not accurate. This account has not does meet FCRA standards, and can not be verified because it has been removed from my XXXX report. I have disputed this account with Experian in XXXX, and XX/XX/2020. It has come back as no change, and they are refusing to investigate and provide proof of validation/verification or the source of the verification. 

I have also disputed this account with XXXX in XX/XX/XXXX, and it has come back as no change. This account is inaccurate because I do not owe this balance on this account at all! This account should be removed, just like it was properly removed from XX/XX/XXXX. 

I have sent letters showing that the original creditor has broken their agreement and I am not liable for this. I have also, shown proof that XX/XX/XXXXhas deleted this on my XXXX XXXX account. 

This account is XXXX XXXX XXXX, account number : 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 non-monetary relief