BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-19
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XX/XX/2021 Cash Net USA XXXX XXXX XXXX XXXX XXXX, NH, XXXX Ref No : XXXX Dear Cash Net USA : This will serve as your legal notice pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692, to cease and desist all further communication with me in regard to the above referenced debt or debts. You are hereby instructed to cease collection efforts immediately or face legal sanctions under applicable Federal and State law.

If you fail to heed this notice, I will file a formal complaint against you with the Federal Trade Commission who is responsible for the enforcement of the FDCPA and the Missouri Attorney General. 

I have decided that I do not want to work with your collection agency or any other collection agency under any circumstances. I will contact the original creditor directly in order to resolve this matter. By sending this letter it is my intention to stop all your calls and collection activity from this day forth. 

I also reserve the right to file suit against you for any future violations of this law. I may use telephone recording devices to document any telephone conversations that we may have in the future if you fail to comply with this cease and desist letter. You are also notified that should any adverse information be placed against my credit reports as a result of this notice that appropriate actions will be taken. I intend to keep a log of any contacts you make with me after you receive this letter. 

Please give this very important matter the utmost attention. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I made a reservation at a resort for ten nights in a " lagoon view '' suite and paid for it with my Chase Sapphire Preferred credit card. When I arrived and checked in, I found out that the room I had been given had XXXX twin beds and I requested a king bed. They told me there were no other rooms available that night but that the following day one room would become available which had a king bed. The hotel staff advised me that this room was on the first floor and I checked with them twice to make sure that it was the same category of room, and they confirmed that it was. It turned out that the room to which I was transferred did not have any view whatsoever of a lagoon, just the opposing building and some trees. I tried to resolve the issue with the merchant through XXXX different channels ( XXXX online, XXXX in person ), as well as posting a review online concerning the issue. The merchant did not respond at all to any of the online communications, and the person I spoke with at the resort said something like " that 's just how we categorize the rooms, lagoon and ocean view '', referring to the XXXX sides of the building, as if there was no problem with falsely advertising the room to have a view that it did not have. 

I subsequently took up the issue with Chase, providing them with a description of what had happened. First they incorrectly " investigated '' a different charge, and then they requested additional documentation from me, which I provided. Eventually, I spoke with a member of the credit card 's dispute department who claimed that because I had not left the hotel premises for the duration of the stay, that Chase would provide no remediation, even though the room description did not match the room I received and the merchant had not been responsive to repeated attempts to resolve the issue. The representative confirmed as accurate my understanding of their claim which was that, as long as I did not physically leave the hotel for the entire 10 nights, it did n't matter whatsoever what the hotel did or did n't do -- no billing adjustment would be provided by Chase. It is my understanding that this policy violates the Fair Credit Billing Act, which is supposed to protect a consumer from " charges for goods and services you did n't accept or that were n't delivered as agreed. '' Among the documentation I had provided to Chase for the dispute investigation were XXXX photos of the room 's ( lack of ) view, the original booking confirmation which explicitly states that it was a reservation for a lagoon view suite , and excerpts from the hotel 's website describing the wonderful views that are supposedly part of this room category. This establishes quite clearly what service was agreed to ( a " lagoon view '' suite ) and what service was received ( a " not lagoon view '' suite ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2019 XXXX XXXX  I have sent letters letting XXXX XXXX and XXXX  about these unauthorized inquiries on my credit report. Also I have filed an affidavit.XXXX sent me something back with saying verified as accurate with no proof at all.I am keep requesting that they send me something back saying who did this to my credit report so I can figure out this fraud. XXXX XXXX doesn't send me anything as requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
During XXXX and XXXX, I entered forbearance plan with XXXX XXXX XXXX. However, during this period, my XXXX XXXX XXXX still reported to Credit Bureau as late payment for 17 months. 

I have tried to resolve this issue with XXXX XXXXXXXX XXXX since XX/XX/XXXX. However, the mortgage lender has been refused to adjust my credit report. 

Please help! 

Thanks,

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 2015-10-29
Company: Empowerment Ventures, LLC
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
RushCard is full of it never again im going through the same thing again ive been on hold for over an hour waiting on a superviser to answer a question concerning my money, because the customer service person said the computors are down, they must think im stupid, if you cant get into the computer how jhowbin the XXXX the supervisor gon na get into the computer, im still on hold, this is the last tim this is gon na happen l just sent my employer my new direct deposit info which ive had the account all thr time. Why did you have to change banks? For whatever reason it was to benefit you and not the consumer, youre making money of our money. Should have stayed with XXXX. Your debit card system is no good.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-10
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I received many emails from Navient suggesting forbearance as a solution to my struggle to pay back student loan debt. I explained in a response that I would like to know more about income driven repayment options and was referred to a phone number to Navient customer service who said they could mail me a packet to fill out in order to apply for income based repayment. I called twice to request the packet. I still have not received said packet. I talked to someone at Navient today who said that they wo n't send out the packets anymore because of that and gave me a different contact to call to request the packet. No one has explained repayment options to me yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
i have purchased a home mortgage loan in XX/XX/XXXX since then i have been recieving false mail and refiance a va loan..my house was sold to as brand new home but it was a brand new home..it was built in XXXX we went though XXXX XXXX and now i can not purchase anything since all this is affecting from moving forward i have been try to sell or do something to fix this problem. so many home insurance was taking out. my buisness has been stolen as well I opened a buisness in XXXX XXXX Texas XXXX XXXX it was turned into an LLC i have so many mortgages out with my social security and name. car loans medical insurance fruaud..ciams put in as car accidents

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 2022-04-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
So I have an Account with Penfed credit union. It was opened two years ago. I allowed my sons Unemployment to be deposited into my account. Then the instuition placed holds on my account. After two years nothing has came back to the account placing it negative. And im still unable to retrieve the funds.

I just want the funds thats in the account and let the account be closed. 
Penfedaccount # XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Per our conversation a representative from GLA /phone number XXXX, continues to call me numerous of times throughout the day, and when asked about the debt amount the representative was very aggressive, and gave me an an amount that differs from the amount I received in the mail.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: ND
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 USC 1681. 

Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-12
Company: EQUIFAX, INC.
State: FL
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 act XXXX XXXX account # XXXX was paid off XXXX XXXX is violating my rights.

15 U.SC 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A 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 2017-02-23
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went to the free sight for getting my annual report. After entering all info and gaining access to the page beginning process I checked all XXXX reporting companies. I went to my first company XXXX and was given access to my report. After perusing the different accounts and saving and printing the report, I then clicked " CREDIT SCORE ''. There was nothing on this page. 
My second Company XXXX showed me the following : " WE CAN NOT DISPLAY YOUR REPORT ONLINE ''. o further explanation was given. I was able to purchase the credit score by joining XXXX for {$1.00}. I then got the score but had to cancel my membership within 7 days or be charged the full membership which would be automatically renewed every year until i cancelled. I, of course immediately cancelled. The 3rd company, EQUIFAX, was the worse. They simply responded, after my entering pages of questions, that " WE CAN NOT DISPLAY YOUR REPORT ONLINE '' .No other offers or explanations were given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I contacted Capital One on XX/XX/2021 and stated pursuant to FCRA ( 15 USC 1692g ) that I was disputing their debt claim and requesting validation. This was NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully requested their offices to provide me with competent evidence that I have any legal obligation to pay them.

I also informed Capital One that if their offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is/was found, including but not limited to late payments, on any of my credit reports by their company, I will not hesitate in bringing legal action against them for the following : Violation of the Fair Credit Reporting Act, Violation of The Fair Debt Collection Practices Act, and Defamation of Character. 

I also informed them that the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached by their company. Then assured them that I am sure the removal of my information from your website, company records, or any and all derivatives thereof, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent.

In addition to that violated my rights as a consumer pursuant to 15 USC 1692b ( 2 ) ,15 USC 1692b ( 5 ) ,15 USC 1692c ( 1 ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ) ,15 USC 1692f ( 8 ). I have over 60 exhibits with 5 ( + ) violations on them a piece. They do owe me financial compensation for each violation. {$1000.00} per violation in fact pursuant to 15 USC 1692k under the FDCPA. 

I appreciate the CFPB 's assistance in the matter. 

Best,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Re : Seterus Serviing and modification Request. 
Seterus keeps asking for payment on a loan that was transferred to them for servicing. Representatives indicated that there was a modification in place for XXXX $ $ but has not produced any documents to confirm payment amount. When pressed I was told of a payment and received documentation by fax for another homeowner 's property in PA with a different payment amount. I filed a modification request over two months ago with all documentation requested provided and confirmed received. The the bank keeps calling to ask if I intend to keep the property. Documents have been submitted which they acknowledge receiving but no modification trial has been offered. To date I have received a payment statement but no modification documents verifying this. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Account information on my credit report is reporting information incorrectly. The account history information is showing L ( charge off ). The history information does not show or include the payment history and they are re-aging the account. Account information needs to include payment history, late payment 30-day and 150-day delinquency dates. They are not including this information on their reporting period and are in violation of FCRA ( 7 year maximum reporting period ). Any information that can not be provided or deleted showing the correct account history information confirms that they are attempting to re-age their reporting period. I request that all negative information that is reported incorrectly, not providing accurate account history, or deleted account history to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX of 2015 I opened my first credit line with Synchrony Financial through Amazon.

I have been paying my loan off for the past 6 years & I have recently gained access back into my Synchrony online account to review why my balance is in fact increasing rather than decreasing when I have been paying 2X the minimum payment towards my loan for the past 6 years. 
Upon reviewing my recent statements I noticed that 65 % of my loan payment has been allocated to my a mysterious " Card protection fee '' for the past 6 years. This fee was initially a couple of dollars on my first statement which was under a line item of a " Security 5 Fee '' which ultimately led me to believe it was a general fee that was included with the credit line. Once I had accumulated a larger credit balance & had opted for paperless statements this fee was raised to $ XXXX {$48.00} over the past 6 years. Which i had no idea about. 
I have gone through all of my emails & any mail that I had stored from Synchrony & Amazon from when I signed up for the credit line in 2015 from which I could not locate any information regarding that I had signed up for a " third party service '' as stated by the Synchrony account manager. So for the past 6 years I have been paying 65 % of my payment towards a product that I never agreed to sign up to nor did I even receive any information in regards to this. The worse part is that Synchrony has not once notified or even informed me that I have been paying for these services instead they have been allocating 65 % of my monthly payments to this fee & increasing my total credit balance due to the payment I am making is not covering the interest on the loan due to the 65 % going to this mysterious fee that was scrupulously added to my account. Synchrony has not even tried to contact or inform me of this practice even though my credit balance has increased almost {$1000.00} due to my interest payment being $ XXXX {$15.00} short on every monthly bill because 65 % of the payment is being allocated to this fee.

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 2015-04-12
Company: Diversified Consultants, Inc.
State: CA
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 have been dealing with this for about XXXX years, this is the XXXX collection company that has attempted to collect this debt. I have work with the other XXXX and they determined it was not mine and ceased collection action. This company diversified consultants, reported me to the credit bureaus even though I let them know in writing before the 30 day time frame and called them to explain the situation. I asked them for the supporting documentation and they did not send anything over as I know it does not exist as it is not my debt. I have reached out to them to have them remove the negative report on my credit but they have yet to return my call or reply to me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I was transferred via XXXX XXXX  from XXXX XXXX in XXXX XXXX to XXXX XXXX XXXX and am responsible for a Co-Insurance of {$1000.00}. Unfortunately, the bill was transferred to collection agency and interest charged, currently at {$69.00}, Per the FTC, they may not try to collect interest, fees, or other charges on top of the amount you owe, as stated in the original contract. Interest is illegally charged and I will not pay. I have paid in full the principal balance. I expect the account to be closed. I did send a letter to both XXXX XXXX and Grant Mercantile Agency detailng as such and their practices were illegal, but did not receive a response or acknowledgement,

Company response to consumer: Closed with explanation