BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I posted a Brand New Unlocked XXXX XXXX XXXX XXXX for sale on XX/XX/2022. I was asking {$1000.00}. On XX/XX/XXXX I received a offer from a buyer for {$800.00} cash. I said I would accept that. We set up the time and place to meet. Then a few minutes before we are meeting he sends me a message saying he couldn't make it but his wife was meeting me. Upon arriving I was then informed he wasn't able to pay me in cash but venmo only. He asked his wife to verify the XXXX  number and I also sent him a screenshot of the XXXX which he verified and then proceeded to send me the payment. Two days later he tried saying that the phone was locked etc. Then he even had a " XXXX employee '' get on the phone with me. The supposed employee had the EXACT SAME ACCENT as both him and his wife which is obviously very suspicious so I hung up and called XXXX myself. XXXX confirmed that the phone was unlocked and they also confirmed that someone was actively using the phone as well. This customer filed a dispute with venmo and even though I submitted all documentation they requested they refunded the scammed and then froze my account. So now the scammed turned around and sold the phone to someone else. There is a transaction on his account AFTER winning the dispute where he sold the phone. I'm a XXXX mom trying to survive in this messed up world. This is literally going to destroy me and my daughter. He got a brand new phone that's worth {$1200.00} and he got his money back!!! He verified the phone before paying me. He scammed me. Why is he allowed to keep the phone? And the money? Venmo is facilitating this person so he is able to scam me. That's fraud! Where's my seller protection?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-27
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
To the best of my knowledge {$400.00} dollars was used on credit card to make down payment on a vehicle purchased the owner and or dealer of the vehicle promised and had a warranty of one week to buy or exchange if not satisfied according to purchaser or buyer vehicle was reposed and dealer did not comply with warranty. this transaction was opened on or about 2005.It has been more than seven years to this date. What I understand Midland funding llc bought the collection debt and has a debt of {$740.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: U.S. BANCORP
State: WV
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I was issued a pay card by my HR department through USBank Focus pay card. My card was deactivated on XX/XX/XXXX, for an unknown reason. When I contacted the company on XX/XX/XXXX to inquire why my card was rejected when trying to pay my car payment, they stated that it had been deactivated on the above date. I asked why and they were unable to provide me a reason and stated they would look into the issue and it would be resolved. I attempted again to pay a bill on XX/XX/XXXX and it was again rejected. I contacted the company on XX/XX/XXXX and was told to fax a valid photo ID to verify the card and the issue would be resolved in 1 business day, which I did. Today, XX/XX/XXXX, the card is still unable to be used and when I contacted the company they were unable to tell me if the fax of my ID was ever received and stated it would be about 5 business days after they receive the ID to process the complaint and fix the card. They have had almost 2 full weeks to fix the card and have yet to do so or are unable to provide me with any answers when I call to inquire about the situation. I am completely unable to use the card and my checks are direct deposited onto the card.

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 2016-01-05
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A collection account is affecting my credit sore. I want it remove because it 's not mine please I 'm trying to buy a house

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Navient Solutions, LLC.
State: AK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Follow up to Case # XXXX against student loan provider, Navient 's, negligent, deceitful, and potentially illegal/regulatory non-compliant practices that are harmful to borrowers and destructive to fair trade. 

Complaint # 3 I have documentation and cause to suspect that Navient 's internal controls or lack of sufficient controls are in violation of revenue compliance regulations and XXXX requirements. During recent interactions with Navient while following up to my first complaint, I witnessed and discovered the following : ( 1 ) a lack of accurate and complete internal organization of my customer data, ( 2 ) incorrect or insufficient reporting to me of activities I knew from prior research Navient had administered on my account that had the potential of negatively impacting my good account standing and causing long term harm to my overall publicly reported credit worthiness, ( 3 ) insufficient employee training on how to obtain and communicate accurate and complete account information to me when I requested it, ( 4 ) improper protocol for timing and execution of data systems processes that impact revenue reporting in financial statements, ( 5 ) a massive series of emails and phone calls, separately to me and my husband, resulting from Navient controlled activities that caused me significant XXXX and possible public financial harm, either in fact or in appearance if improper negative reporting was issued to credit agencies about me ( because I still do n't know what Navient did to my accounts after I informed the customer advocate department on or around XXXX/XXXX/16 that my mother passed away that day ). 
After a series of contradicting communications from Navient via different channels, including poorly explained modifications to payment allocations in spreadsheets I downloaded from the Navient website, fluctuating information in written letters regarding my payment due dates and account status that have been delivered to me back to back within the same month, now spanning into three months, combined with conflicting and contradicting statements made over the phone to me by Navient reps attempting to explain activities on my account, to being informed that activities on my account were occurring remotely during the call and would be explained to me in a ground postal letter, that was never delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: RI
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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 non-monetary relief
Consumer complaint received 2016-08-15
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Transworld Systems Inc sent me a letter dated XXXX/XXXX/16 claiming I owed them {$870.00} and offering me a XXXX % settlement. Two weeks later I called them requesting proof of debt. I also called the hospital, confirmed that I owed them NO money and that I had insurance at the time this charge may have been incurred. I tried to get the phone number of the creditor from Transworld and the request was denied. I was also informed by the hospital that they never worked with the creditor listed -- XXXX XXXX XXXX. 

It is now XXXX XXXX. I still have not received proof of debt. I called Transworld again this morning. The phone went immediately to an extension 's voicemail. That mailbox was full and unable to record messages. I went to Transworld 's listed website " XXXX '' to try to contact someone -- that website has been shutdown. 

I do not have money to buy my credit report to see if this charge has been listed against me. 

The address for XXXX XXXX XXXX is for an office building. The suite number was not provided. I have no way to contact them. 

The above leads me to believe that this is an attempt to steal money from me by threatening my credit score by illegally obtaining protected health information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions 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:
So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX To remove personal information that I do not want on my credit report.According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802, No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2017-02-10
Company: Navient Solutions, LLC.
State: WA
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 received a student loan in XX/XX/2010 with XXXX XXXX, which was sold to the current company Navient. I 've been in contact with them every month while in school, however I checked my credit and it appears that they have been reporting late to credit bureaus. I also asked them if I can be placed on an income driven repayment plan and they said that was not an option. My loan was taken out for school, I had to verify my enrollment before receiving the loan from XXXX XXXX. After I graduated, Navient told me I must begin paying although I was not employed. I pleaded to receive a income repayment plan but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: MN
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:
To whom this may concern, I left school XX/XX/XXXX and have been on income based payment until XX/XX/XXXX which each year has been a challenge to gain income based payment plan. The reason I wanted income based was because my many other loans I had and also was not able to make my rent payment and other nassesities I had with such a high payment. Originally I was through XXXX XXXX and once moved to Naviant things have been very discouraging. I was set up on automatic payment and their systems would drop my card on file multiple times ( at least 4 times ) this would lead to collectors starting to call my consigner and then I would hear from my cosigner multiple moths later. This has effected by credit report because they say I have multiple late payments by XXXX and 120 days which also has effected me getting a mortgage XX/XX/XXXX. Still today I 'm in the process of sending multiple letters to the XXXX credit breuaus and each time Naviant has reported back to the breuau that information was correct. Dealing with Naviant is some of the most frustrating company I have ever experienced, every phone call I would make to fix an error on their end would be an hour phone call. One of my loans had a 9 % interest rate at a {$18000.00} balance, just paying the interest over the years would n't lower my original balance. Until recently I have a better job and have paid this off but still have a loan with Naviant today and have to call and make the payment over the phone because I ca n't trust them to set me up with automatic payment. If you file for a court action I have multiple examples and if you look into my account I 'm sure you will find abuse and we 'll as negligence on their end. As a consumer I feel helpless trying to argue with such a big company. The loan I have through Naviant is a private student loan which they treat very badly because they tell you I 'm under different rules than fed loans. I 've dumped tens or thousands of dollars to Naviant and hope there is something I can do to stop their poor practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: First Credit Services Inc.
State: SC
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:
Repeated attempts to get us to pay for a service that was cancelled in XXXX. XXXX XXXX franchise claims they do n't have a record of the cancellation request. Their " debt collector '' will call from various numbers with different area codes frequently ( on XXXX occasion XXXX calls within XXXX minutes ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/2022 the amount is {$43000.00} I uploaded my discharge paperwork from VA and I disputed the accounts but the credit bureaus didnt dispute it they kept it 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 2021-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was originally hired by a construction company to do work to be a virtual assistant. The guy sent me a check by email and asked me to deposit it into my account so I could buy equipment to start working next week. Check was deposited and my account was automatically restricted and frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: AL
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
In XXXX I applied for a HARP loan through my lender, Bank of America. During the application I disclosed that I had a bankruptcy which was discharged. In the bankruptcy process I was unaware of a choice of reaffirming or not reaffirming my mortgage, even tho I did not include the mortgage in the bankruptcy. I advised the loan officer that no form existed and that I had first hand knowledge that some HARP loans get underwritten and closed even tho no reaffirmation form exists when the debtor has paid as agreed. The application went through processing. I was then denied based on the lack of the reaffirmation form. No exception could be made. 
I APPLIED FOR THE HARP LOAN TO REDUCE MY MONTHLY MORTGAGE PAYMENT. 
I WOULD NOT QUALIFY FOR A CONVENTIONAL LOAN BECAUSE I AM RETIRED, Yes retired from BANK OF AMERICA XXXX. 
I am writing because the HARP LOAN was designed to help people in my situation. 
I am asking for some intervention so that I can succeed at reducing my mortgage payment so that I can stay in my home that I built ( much of my own sweat ) many years ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I was granted a school loan and XXXX but was having difficulties finding a job related to my profession. I did n't have job stability and was barely able to keep up with everyday bills. I 'm at a stable financial position where I can now start paying back what was loaned

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: AES/PHEAA
State: DC
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:
My FedLoan transferred their servicing of my student loans to XXXX in XXXX of XXXX. However, they did not transfer any of my payment history. I spoke with customer service help at FedLoan this week and they said the history transfer would be forthcoming. Today I received a copy of my alleged payment history from FedLoan. However, I graduated in XXXX and there is no payment history before XXXX. My loans were consolidated in XXXX and I have never defaulted on a payment. It feels like they are lying about me and trashing my credit and work history in order to keep me from getting my loans forgiven in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Receiving daily solicitations from private vendor relating to Equifax. Name changes but all seem tied to XXXX. You hit Block sender and a new name appears XXXX sender of this XXXX Get Your New XX/XX/2022 Scores Right Here When Last Have You Checked Your Scores? 

To see your XX/XX/2022 from XXXX, XXXX and Equifax Reports in one easy to read report go Right Here Great Scores Press Here To See Your Scores Now Checking your credit will NOT harm your credit scores! 








XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unsubscribe me from this mailing list Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is an email advertisement. To unsubscribe from our sponsor : click here.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposit a check payable by XXXX Bank and issued to me XXXX using a Bank of America ATM on XXXX15 to my Bank of America account. I checked my account on Saturday and it reflected no hold on my account. This morning XXXX/XXXX/15, I logged into my Bank of America account stating a hold was placed on my account and I was being notified by mail. Meanwhile I have a contractor coming to my house that I need to make a payment so he can start repairs to my home. That check I deposited is for the repairs to m home. I called Bank of America I was told the funds would not be available until XXXX/XXXX/15. I was under the understanding that banks are not allowed to hold funds for that long.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions 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:
Experian has Violated My Consumer Rights. I Received A Copy of My Credit File And Experian Failed To Provide Verifiable Proof of The Original Creditor Signiture. Experian Violated 15 U.S.C. 1692 ( a ) ( b ). I Have Been Misrpresented And I Have Reason To Beleive Criminal Activity Is Taking Place Concerning My Credit File With Experian Fraud, Identity theft And Saling of my personal Information Without My Consent.

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 2022-10-28
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amsher Collections Services has violated my rights as a consumer by furnishing reports in connection with credit transactions not initiated by me the consumer. I do not owe any debt to XXXX. 

Pursuant to FCRA 15 usc 1681 Truth in Lending 15 usc 1601 FDCPA 15 usc 1692 all negative accounts must be removed. all collection accounts must be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation