BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-19
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX 2016, terminated service with XXXX XXXX. A couple months later, received collections letter from Credit Collection Services about a debt. Called them to ask more information and for them to provide proof that I owed debt. They could not provide that information. They instead told me that I needed to prove that I didnt owe the debt. Contacted XXXX to get clarification. Was transferred numerous times and eventually disconnected. Called back to see if deposit money was every applied to account and if not, when will I receive it. Represenatives stated that they could not see back more than a year to see that information. 

Stopped my efforts to gain information. XXXX XXXX, collections account showed up on my XXXX credit report. I called XXXX directly and paid the past due amount while speaking to representative on phone while he ordered archived bills to check where the deposit money is. He stated to call back to have the account pulled from collections expedited. I also called and spoke to Collection Agency. They stated that they were not authorized to remove collection from my credit report. Only XXXX can do that. I found that questionable because XXXX did not report it, Credit Collection Services did. I also entered a dispute with XXXX. Called the collection agency and they verified that the account had a XXXX balance. XXXX is reporting paid in full. Spoke with the collection department at XXXX and she stated that she submitted the ticket to remove the account from collections and that my debt was paid. 

Collection accounts that are closed and returned to the original creditors are to be deleted from the XXXX reporting agencies, as these accounts are no longer in collection. 

This account has been paid to XXXX and I have receipts from XXXX proving that the accounts have been paid in full. 

Credit Collection Service verification of the accounts as a " Paid Collection '' is a violation of the FDCPA and FCRA, Specifically ; FDCPA violations ; 15 USC 1692e ( 8 ) providing false information to credit reporting agencies. 

FCRA violations ; 15 U.S.C. 1681i duties of furnishers to provide accurate information. 

15 U.S.C. 1681s-2 - failure to provide accurate information, failure to correct reporting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone number Ombudsmen, CASE # XXXX I have filed the above case # with your office and have not received any information from you as of today. I would like you to contact me ASAP as I have many issues to discuss with you. I will list the circumstances of my student loan on this letter. 

# 1- XXXX Attending XXXX, XXXX XXXX XXXX XXXX XXXX made payments until.. 
# 2- Student loan purchased by XXXX XXXX XXXX XXXX XXXX my payments # XXXX Student loan purchased by XXXX XXXX. Made my payments.. 
# 4- Student loan purchased by XXXX  been making payments under IBR for 10 years The original amount that I took out was XXXX..all of these sales of my Loans were made without my authorization and now the balance is around XXXX.. 
I have been denied the XXXX XXXX forgiveness ( I have been working as a XXXX  at a Title XXXX and XXXX School for 7 years ). I was also denied PSFL ( prior to the Teaching position I was an Instructional Assistant for 4 years ). Working for XXXX XXXX XXXX XXXX XXXX. 
In XXXX I was attending XXXX to finish my last 11 hours of classes and took out a small student loan to get a lower interest rate from 9 % to 7 %. I do not want to refinance again as the debt incurred will be the XXXX ( the difference is capitalized interest ). 
In XXXX I was attending college for my XXXX XXXX and paid all of the monies ( tuition, books and state testing fees and license fees ) by myself. 
I will complete the XXXX  or the XXXX XXXX XXXX again if need be. 

I do not have a personal email address I would like all correspondence to be sent by snail mail to my post office box or by phone call. 

Thank you for your attention to this matter, XXXX XXXX XXXX TO : FAX NUMBER XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I check my credit transfusion credit report and I noticed that all my inquiries had been removed 3 days later I checked the credit report again and the inquiries were back on and by law if inquiries go back on my report I 'm supposed to get a five day notice and I did n't receive this letter in the mail so I want the inquiries removed.my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Arkansas XXXX My date of BIRTH is XXXX/XXXX/1965 My social security number is *********** Thank You in advance

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 2017-04-29
Company: ERC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am trying to clear up a debt owed by myself for a  XXXX   XXXX  from  XXXX  ; wherein at that time I was in   XXXX   ; I never had a  XXXX   bill  and have just recently been released from  XXXX  on  XXXX   XXXX ,   XXXX  . I have tried to clear the matter up with both  XXXX  and the  Enhanced Recovery Corp ;   and after speaking with  XXXX   XXXX  and opening up a fraud report #  XXXX , still I am not able to have the issue cleared up. I do n't understand h ow one person  in  XXXX  could even be held responsible for a debt? Could you please contact me as soon as possible to try and clear this issue up?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Other

Complaint:
yes i contacted the XXXX about capital one bank about i cant afford my high card payment every month.cant make the full payment each month???? have not heard anything back from capital one bank on credit card.my paymeny XXXX a month.im XXXX years old XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I Was going through a divorce in 2011 and almost resources at the time had to go to my son XXXX XXXX XXXX at the time he was not doing to good at the time and my wife also commenced the divorce witch compounded his issues I had called GMAC LLC at the time and told theme I may be late on some payments they told me to stop making payments for 90 day so I could get a loan workout modification this went on for some time as they where soliciting me for a loan work out they where also conspiring to steal my home I also have evidence on there foreclosure documents they planted in the XXXX XXXX recorders office to commence the theft of my home or XXXX falsified/forged and tainted the title on the property they also never evicted us before sending in unknown strangers in our home before any trustee deed was ever recorded they claimed to be the new owners and have been busted by the city XXXX for changing my home from a XXXX bed XXXX bath to a XXXX bedroom XXXX bath with out permits and took out a pool permit win the home was still in my name I could no commence a legal action/proceeding at the time who I thought was the bank in my home at the time because again my son was having XXXX issues and other heath issues I was always in contact with the bank and in fact even though I was ordered to move out in XXXX 2011 so my son could stay in the home until the court proceeding was over and I thought the bank was going to give me a loan work out I was still able to pay almost XXXX a month for rent in a apartment and still made over a XXXX XXXX a year the bank lied to me and took my home from me and sold the home I believe to a insider for a lot less then my home was worth and went into my home illegally and took my life long positions and traumatized my son who I told the home would still be ours and myself they also slandered my credit witch kept me from owning a home for over years and they have not responded to me as required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
In XXXX, 2015, I applied for a credit card at Lord & Taylor in New York. I was denied credit. This was highly embarrassing to me, since I have always had an outstanding credit rating. The formal rejection letter from Capital One said I could obtain my XXXX credit report, which I then ordered. That credit report did not show any debt ( our mortgage is paid off and I am retired ) and indicated that all credit cards are being paid monthly per terms. I wrote Capital One twice and copied their President, XXXX XXXX XXXX, after no response to my first letter. His office contacted me via phone but they were unable to provide any evidence of debt I have or even explain why my credit application was denied. Thus I am asking for CFPB to assist me. I obviously do not want a credit card from Capital One ( I used an XXXX XXXX card for the Lord & Taylor purchase ), but I do not want a credit denial lodged on my credit record, particularly since I am retired. ( I do have assets but not income from a job. ) I may want to get other credit cards in the future and this inappropriate denial of credit may prevent that. I asked Capital One to lift the credit denial against me since there was no justification but they have not done so nor have they provided any rationale for the credit denial. I have been highly dissatisfied with this experience and Capital One ( which continues to send me unsolicited offers for credit cards despite my having a " do not solicit '' request formally filed ). Thank you very much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING XXXX, XXXX, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation.

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 
Capital One Bank is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to Capital One Bank according to CFR 1026 regulation Z Billing Error.

I have asked Capital One to verify and validate the debt they alleged I owe and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act Capital One Bank has failed to validate the debt therefore should delete all unverified information from my account ASAP. Capital One Bank should delete all account information they share with XXXX, XXXX, XXXX, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company.

Since Capital One has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block Block of information resulting from identity theft.

I didnt consent nor benefit from Capital one. If I received goods or services please have a senior executive certify under penalty and perjury that I received goods or services under this transaction.

I request this account and all late payments be removed from my Consumer Report, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I was on long XXXX for almost a year. I contacted Capital One to utilize my protection coverage while out of work. During this time, they never applied it to my account and I incurred lots of late fees, over the limit fees, etc. After speaking to over 20 customer service representatives, I finally reached one that said that I should of also been enrolled into the Specialty Assistance program in which I could make any amount of minimum payment and would not incur interest or late fees. I was removed from the program because I disputed a late payment and had to keep calling to get the fees refunded. By this time, my account is in a restricted status. The representative also advised me that once my account was under the limit, they would unrestrict my credit card. They said to keep making payments on time and then apply for another card. My account is still open, current, under the spending limit and they will not remove the restricted status so I can use my credit card. I am paying on time and no late payments but they still want me to pay it and not be able to use it. They said I needed to wait until an offer came available. Another representative advised me that if I had an emergency, they could lift it. At the time, I did n't have an emergency but I remembered and documented that call. Then a few months later, an emergency came up. My family and I is from XXXX XXXX and I needed to help get supplies and rent a car so I contacted with my concerns and emergency because they advertise being big supporters of it. I stressed to them my family was severely affected by Hurricane XXXX and some lost everything and I needed the available credit on my card to be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
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:
I've sent multiple dispute letters and also online disputes demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts. They failed to positively verify these accounts. These accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed below. 

XXXX/XXXX  XXXX CC XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX Unverified Account   XXXX XXXX XXXXXXXX/XXXXXXXX XXXX Unverified Account

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 2015-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Billing statement

Complaint:
I opened up a XXXX " Outdoor Rewards '' Master Card. I did not get a " XXXX '' statement. The XXXX statement I received said that I missed the XXXX payment and I was being assessed a {$25.00} late fee plus {$7.00} in interest. I called the customer service number and " XXXX '' said that she could not help me and take the late fee off due to my accnt. being delinquent. So, according to them, it is my fault that I did not make the XXXX payment ( even though there is no way I could have not having received a first statement ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/2017 I sent a letter to Consumer Collection Management asking for this company to verify the alleged debt that is said I owe from a XXXX visit. I received a letter stating that the balance was confirmed, but I received no validation requested. I have already contacted the credit bureaus concerning this issue.. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Requests made to this company were to : Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Consumer Collection Management failed to comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I took out a mortgage on my property a year before Countrywide was bought by Bank of America. I was promised by Countrywide that my interest rate would be adjusted after a year or so. The Interest Rate was 8.85 % and my monthly payments have been for {$630.00} /mo. I have never missed or been late on any payment since. I started inquiring about a lower interest rate for my lo re-financing my Mrtg for at least 8 years now and always receive the same answer. Since I do n't have a XXXX XXXX or XXXX account there is nothing that can be done. My mortgage is under {$68.00} and it is still being met every month. 
As of XX/XX/XXXX I XXXX and am getting a little concerned about my ability to continue without a refinance to a lower rate. Of course since the GR I have been under water as my home has assessed for @ half of what it was valued at then. My retireme nt pkg can keep me viable for a while, but who knows how long I can keep going. I have asked at least 5 times to refinance the whole value at a lower rate but they say I am too far under to be considered. 
If you can help me to re-fi I would really be happy. 
I want to pay back what I owe, I only need to reduce my payment. Let me know what I need to do to get you all the necessary information. I have been pay ing this for around 9 years now at 8.85 % I see all these multi thousand dollar mortgages being re done and I do n't understand why they are hesitant to do mine. 
Thanks! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl 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 2022-11-14
Company: Navient Solutions, LLC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navient reported incorrect information of a 90 day past due payment that was incorrect. There was payments made and was current. As well as the Cares Act/Covid Relief that is in effect until XX/XX/XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Self Financial Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I paid XXXX for rent and bill reporting, I paid XXXX on XX/XX/2022 This company is saying there's no record of payment where I provided proof of payment by email, additionally I sent over rent payments dating back to XX/XX/2022 which were verified by XXXX XXXX, they refuse to report the payments accurately, my water payment of XXXX, they refused to report. 
My cell phone bill they refused to report although I provided receipts verifying payment

Company response to consumer: Closed with explanation