BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-29
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
They want an over abundance of money. When they talked about a income driven plan, last year ( 2015 ), I sent paper work in and they said I owed nothing. Nothing has changed with my income or amount of children or anything and now they want payments even with the same income driven plan. It seems like they always switch things up. No one is on the same page, it 's always something different every time you calll them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: WELLS FARGO & COMPANY
State: PA
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 just refinanced my private loans from Wells Fargo to XXXX XXXX saving me over {$1000.00} a year in student loan payments. My issue is with Wells Fargo Bank. Due to the length of time it took me to complete my new application the payment XXXX XXXX sent Wells Fargo was {$1700.00} higher than my current loan amount. Due to some ludicrous guideline that Wells Fargo has they must wait 21 days to clear those funds to send to the new institution. Meanwhile I 'm now starting to accrue interest on the higher loan amount. This is a ridiculous practice that needs to stop. If I was one day late on my Wells Fargo payment they start tacking on daily interest yet when I overpay my payoff amount they are allowed to hold onto my funds for 21 days while they " clear '' the payment. It is not right that big financial institutions get to make up their own rules on how to treat payments and paybacks because they always end up punishing the consumer who is just trying to be financially responsible. The 21 day waiting period needs to stop on getting refunds to student loan payments!

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 2016-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card
Issue: APR or interest rate

Complaint:
The QUICKSILVER credit card from Capital One is a high-interest credit card ; assigned APR is greater than 25 percent. I ask about every two months for a reduced APR. Capital One always declines. Capital One will not give me direct contact information to the HQ office that sets APR rates. This morning, for instance, I chatted with two people online and talked with nine people by telephone without results. 
My payment history with Capital One is EXCELLENT ; my payments are always much greater than the minimum. 
The Marketing Department, which I 've been told is the department that sets APRs, is unreachable by phone or email. 
Additionally, Capital One is not properly crediting the 1.5 percent cash back that I should be receiving on all purchases. Moreover, Capital One calculates the APR improperly ; said calculation results in higher monthly interest, and, hence, higher APR ( closer to an effective 50 percent APR ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have recently checked my consumer credit report, I have contact the credit bureaus, I was instructed to contact you regarding these hard inquires made on consumer report WITHOUT my expressed written or verbal consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-30
Company: LEXISNEXIS
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
About three weeks ago I had requested a copy of my consumer report from Lexis Nexis. I had to print out the request and mail it in. I actually mailed the application for my consumer report in via certified mail. Now almost two weeks ago I received the certified postcard back stating that it was received by Lexis Nexis and as of today XXXX/XXXX/2015 I have yet to receive the report. I am very determined to get the report and to dispute the information that is furnished on the report because I have declined employment and apartments due to information that has been pulled from LExis Nexis which I know is wrong. I am the victim of Identity theft and I am trying to clear my name and it is extremely hard when these CRA 's are withholding information from you. I have every right to see what is being collected on me from your company and it is my right to dispute the information. I also want to put a security freeze on the report for security purposes because what they have listed is detrimental to my livelihood right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
On XX/XX/2015 I contacted Capital One credit card company to get a full pay off balance on my accounts and to close the accounts.They gave me a full pay off balance which I knew to be double the amount owed.Against my better judgment I payed off the accounts approximetly $ 2300.00.within 14 days I received a refound of {$510.00} I promptly contavted them they assured me I was owed the refund.I cashed the check and within 14 days received a letter from them stating I owed them {$510.00} due to an error in their record keeping.I called them and contacted them in writng telling them wht they were attempting to do was fraudulent and they could be held liable, and they responded by laughing and mocking me.I fully understand credit card companies feel they are above the law and maybe they are but this is not rite.accounts were ending in # XXXX and XXXX.Please help.this cant be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: FL
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:
For years they told me I could not get a new interest rate. I was in deferment for a while and I feel that they have misinformed and applied my funds. I am a XXXX and I have XXXX for 13 years at XXXX that qualify you for the {$5000.00} off. I sent in the paperwork and was denied. They said I took out a new school loan, when all I did was consolidated with them as they told me to almost 15 years ago. I just applied for the XXXX forgiveness in 2016. They could not explain why. Please help me! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had paid off a past debt at the beginning of the year with Portfolio Recovery. I asked if I had other debts with them and if they could mail me proof of these debts. I have not received any communication by mail only by calls from Portfolio. They just recently contacted a family member about my debts. This is highly inappropriate as that family member is not on any loans or has knowledge of my debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-20
Company: Paypal Holdings, Inc
State: AR
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:
Pay Pal credit keeps contacting me regarding a debt I did not incur. I NEVER OPENED NOR EVER HAD ANY PAY PAL ACCOUNTS. I keep conveying this information to them, but I keep being contacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-02
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
This is in follow-up to my complaint XXXX Experian 's XXXX/XXXX/15 response to my CFPB dispute, Experian specifically states " ... To request a security freeze, log on to www.experian.com/freeze ... ... " But after trying online several times over the past month, Experian instead continues to not accept my security freeze request - UNLIKE EVERY OTHER CREDIT REPORTING AGENCY. Experian apparently is continuing to make the process as burdensome as possible to discourage implementation, and maximize their profit opportunities. 
. 
Once again, by way of this complaint, and as a likely victim in the XXXX XXXX XXXX XXXX breach, I am notifying Experian that I will hold them strictly liable for any damages I incur from their failure to implement a timely Security Freeze, including their lack of a clear, concise problem resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XX/XX/XXXX, I obtained from XXXX, XXXX, and XXXX the annual free credit reports to which consumers are entitled. XXXX reported XXXX hard-pulls for information from " Capital One '' throughout XX/XX/XXXX. XXXX similarly reported XXXX hard-pulls for information from " Capital One '' throughout XX/XX/XXXX. THIS MEANS THAT " CAPITAL ONE '' ( or someone purporting to represent them ) REQUESTED MY INFORMATION ON XXXX SEPARATE OCCASIONS WITHIN A XXXX MONTH TIME PERIOD. 

I do not now nor have ever had any accounts with Capital One or their affiliates. I received no solicitations for credit card business from Capital One. I similarly have no credit, gas, or store cards. Likewise, I have not made any application for credit to any financial, retail, or any other type of business. Additionally, I have no intention to initiate any business, professional, service, or any other type of relationship with " Capital One '', given the fact that each telephone conversation I have had with their representatives included dismissive and unprofessional responses on their part. Each time I called them, Capital One refused to provide any explanation, other than to confirm that I have no active accounts with Capital One. 

During the time period in which these inquiries occurred, I was involved in a dispute with a XXXX, NJ. attorney ( who once served both as a member and a XXXX of the New Jersey Supreme Court XXXX XXXX XXXX ) regarding an estate matter. I find the correlation between these XXXX seemingly unrelated matters very curious. 

Following the discovery of the credit report entries, I initiated disputes with both credit bureaus. XXXX response was to simply remove the entries from the credit report without providing an explanation. XXXX 's response was to keep the entries on the report and not provide any explanation whatsoever. 

This activity is highly suspicious. Capital One will not acknowledge requesting the information, and both XXXX and XXXX refuse to address the incidents. I reiterate : During all of XX/XX/XXXX, I was not once contacted by " Capital One '', nor did I make applications for credit to any corporation, financial institution, or place of business. I strongly believe that XXXX ( XXXX ) hard-pulls for my CR within a XXXX MONTH TIME PERIOD by a company which I had and have no accounts with, nor solicited me regarding same, is ABUSIVE, EXCESSIVE, and SUSPICIOUS. The CRs reflecting these occurrences are attached to this Complaint. 

I request for assistance in obtaining an investigation or the results of any investigation already conducted, as well as those which may be conducted, into why these incidents occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A collection company has listed a derogatory trade line on my credit report. Instead of disputing the account with them, I agreed to pay the account in full for XXXX which was paid on XX/XX/2016. In return, the company, Credit Collection Services ( CCS ) agreed to report this account to XXXX and XXXX for total deletion. They account was never listed on my XXXX report. After checking with both of these credit reporting companies, they still have not received an updated request from CCS to delete the account and CCS is saying they have done so while the credit reporting companies is insisting they have not requested deletion of the account. In addition, the account still shows and outstanding balance. I have contacted CCS and their standard rebuttal is that it will take 30 days to reflect the deletion request while the credit reporting companies are insisting that if they have indeed requested the deletion of the account, the request was perform immediately upon their but insist they have not received such a request. The document attached do not reflect the actual date the account was paid, it only shows the date I printed the form and as you can see it reflects a XXXX balance. This incident is stopping me from transacting a major purchase and I need the account deleted as CCS promised on a recorded phone line during several conversations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: BB&T CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
BBT BANK IS REFUSING TO REFUND {$36.00} OVERDRAFT FEE BACK INTO OUR ACCOUNT WHEN THE MONEY WAS THEIR. TRANSFER FROM SAVINGS TO CHECKING OF {$200.00} WAS PUT ON PENDING WAS MADE ON XXXX/XXXX/16. MONEY WAS NOT RELEASED FROM SAVINGS TO CHECKING UNTIL XXXX/XXXX/16 WHICH THE BANK CHARGED ME AN OVERDRAFT OF {$36.00}. I CALLED THE BANK AND TOLD THEM ABOUT THE ERROR AND THEY FLATLY REFUSED TO MAKE CORRECTION.

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 2015-04-07
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had my purse stolen in 2007. I have been trying to get a woman 's name off my credit report with Equifax for many years. She has mortgages and car payments etc. that report as mine. I can not even access my credit report with Equifax because I can not answer the questions correctly to gain access. My name is now XXXX XXXX XXXX. At the time my name was XXXX XXXX XXXX. A woman with the name XXXX XXXX XXXX or something like that shows up as an alias for me. I have lived in XXXX different addresses over the past 15 years. XXXX XXXX XXXX XXXX Maine XXXX, XXXX XXXX XXXX XXXX Maine, XXXX and also XXXX XXXX XXXX XXXX Maine XXXX. I need help getting this taken care of and I do n't know where to turn next. Thank you for you help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Following our application with Quicken Loans XXXX XXXX, XXXX # XXXX with Quicken Loans on XXXX/XXXX/2016 originally told us and sent over disclosures confirming our rate was locked in at 3.875 % with XXXX points. On XXXX/XXXX/2016 Quicken Loans provided us a " Re-disclosure '' package in this package our rate is now showing 3.875 % with XXXX points. XXXX Loans/XXXX XXXX need to honor our previously agreed upon rate lock.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am very sorry but I could not locate how to reopen a claim. This is claim # XXXX. The last regular transaction was speaking on the phone with XXXX XXXX in the Executive Offices when she assured me that the loan was a charge off. I am now being called almost daily to on this and they say they do not see the charge off occurred. I do not feel I should have to start over with this process when Chase has clearly stated that my house qualifies for no other option due to condition and value. 
My computer completely crashed and I lost dates, etc that I was keeping track of the phone calls so I am at a loss as to my next step. Please help me, if you can. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: Law Office of Joe Pezzuto, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Last week Thursday, XXXX XXXX, 2015, I received a summons from the Law Office of Joe Pezzuto , LLC, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. 

Prior to this summons I have never heard of XXXX XXXX or his law firm. I did not receive a phone call, voicemail, letter or email from this law firm. I do not currently have nor have I ever been in any contract with this law firm. They never provided me any documentation regarding this debt before proceeding against me in court. 

I do believe that they are in clear and direct violation of the Fair Debt Collection Practices Act. 

The exhibit attached in the court filings did not show my name or signature in contract with XXXX XXXX nor did it show any ownership of a debt relating to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: DISCOVER BANK
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
discover card said I have to pay for a order I did not place XXXX. XXXX never sent out the furniture. discover card rep told me this. the furniture order was not in my name nor was it going to be delivered to my address. I do not have any authorize users on my accountdiscover card final decision was that I placed the order. XXXX has the furniture and {$1000.00} discover card paid them I explain to discover card that im XXXX years old and do not know too much about the internet I do have people that come to my house to help me with everyday living that has access to my personal information. I explain to discover card I did not give any one permission to use my card I also told XXXX when they called me I did not place an order. that should have been the end of it. because XXXX still had the furniture the order did have my billing address correct, phone and email correct. my name was not on the order and the delivery address was not my addressI have never charged anything on my discover card since I opened the account. there was no reason for me to look at my statement every month because I did n't charge anything on my discover card I tried to make out a police report but they theres nothing they can do because the furniture was never delivered

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-08
Company: ORG GC GP Buyer, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Client called XXXX after closing account and switching to another carrier to see if she owed after paying her last received bill. She was told that if she did owe anything, they would send a bill. She never received any bill or notification of amount owed. She later reviewed her credit report and found that she had a collection account from XXXX for {$240.00}. When she called XXXX to resolve this issue, they refused to acknowledge that the error was on their part, that the client had attempted to confirm any remaining balance owed ( which XXXX did not confirm ), and that the client had never received a bill for the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX I purchased a condo which I mortgaged through Wells Fargo Bank. I took out a second ( equity line of credit ) with WFB as well, as part of the purchase. I already owned a home in another town which I planned to sell. The economy tanked and I could n't sell the other house. I used up all of my savings because I did n't want to default on anything as I was trying to figure out what to do, but right before I ran out of money I was advised by an attorney to file for Chapter XXXX bankruptcy. I lost the home, but I kept the condo and have paid both the mortgage and equity line-of-credit on time, and usually paid more than the required payments. Now I am trying to refinance my condo and find that WFB recently reported me to XXXX as a new bankruptcy! Therefore, I can not refinance my loan! I called XXXX and told them the bankruptcy was not right, that it had been discharged in XXXX, and that I have paid every payment on both loans for the past 9 years. They said I have to work it out with Wells Fargo. I have called Wells Fargo XXXX separate times and each time I 'm handed from person to person. First they told me they could n't do anything and I had to call XXXX. Then another person told me they do n't report anything to the credit agencies, which is a lie. She said they could n't do anything. The mortgage broker who I 'm trying to refinance with told me this bankruptcy from Wells Fargo shows on my credit report as a NEW bankruptcy, reported by Wells Fargo Bank as of XX/XX/XXXX. I finally got through to someone else the other night at Wells Fargo who said he would pass it on to the proper department, which meant I might hear from someone in 24-48 hours. Today ( almost 48 hrs later ) a man named XXXX called me and said he would look into it, and that it would take about 10 days. I 'm so upset, because I do NOT have a new Bankruptcy! I have paid all my payments on time, usually early, to all my creditors, and all I want to do is refinance my home loan to get out of the 'interest only ' loans I was sold by WFB. I 'm so stressed out I ca n't sleep. I just keep getting passed from person to person, told they ca n't do anything but will look into it .... I do n't know what to do. I can not get a new loan becaue XXXX tells the new loan company that I am a bad risk! I need Wells Fargo to remove that Lie from all credit reporting agencies! Please help me.

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