BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-10
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is second CFPB complaint against this creditor. Purchased vehicle new XX/XX/XXXX. Consumer was a payment behind on mortgage and turned down by my bank. Dealer suggested approval with this lender to save the sale. Advised consumer to keep payment history good for 12 months and then refinance out of this high-rate loan. 

Consumer contacted lender to change due date from XXXX to XX/XX/XXXX. In order to refinance payments were made on time and extra payments made towards principal from XX/XX/XXXX to XX/XX/XXXX. 

Consumer made payments on bi-monthly schedule that corresponded with payroll. Lenders accounting system is unable to handle the partial payments and misapplied them. Bill is always in arrears and no idea where extra payments are applied. 

Consumer requested an audit of account XX/XX/XXXX. Consumer credited for extra payment for XX/XX/XXXX. For XX/XX/XXXX, lender states account is past due after the audit. Lender states a payment for XX/XX/XXXX was not received. However, lender reported to XXXX, XXXX, and XXXX  that consumer 's account has been paid as agreed from XX/XX/XXXX through XX/XX/XXXX. Account was never late. Therefore, the alleged " missing '' payment for XX/XX/XXXX, was not reported to credit bureaus as late. 

Consumer expects that payments were not applied properly due to deficiency in lender 's accounting system that does not support partial payments. Consumer also suspects that this lender consumed extra payments in fees. 

Consumer has maintained a stellar payment history with this lender. Although extra payments were made for the majority of the servicing period, consumer is unable to impact the principal balance in order to refinance. This is a good consumer in a bad loan and the lender wants to keep it that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself. The TransUnion Credit Bureau is reporting inaccurate information on the following accounts. This is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. Please delete these accounts : ( XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX )

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 2016-08-11
Company: Byrider Franchising, LLC
State: TX
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:
CNAC/XXXX is reporting negative collections on my credit report. This was a XXXX Byrider car that i got. The car broke down on us XXXX weeks after i got it from XXXX Byrider. They said i was responsible for all repairs. I told them that is unacceptable because the car was making a weird noise to begin with.They were suppose to look at it before i drove off and never did. So the car sat in the street at my house for a long time. I asked them to come take it back that i did n't want it no more. They waited and refused to get car. I told them there was a 30 day return policy and they refused to honor it. I was dumb and young at the time and just let it be. Now i know better and regret my choice. I should 've pushed them to follow their policy. They should n't be reporting it anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On Monday I sent a email to the CEO of Capital One asking for a goodwill forgiveness on my auto loan for a late payments being reported to the credit bureaus since I had suffer a financial hardship for a short period. The next day I was contacted by a gentleman by the name of XXXX he was following up with my email he stated he would do everything in his power but would n't make any promises to get this taken care of. Well today i receive a call from a woman calling from a unknown number. i answered it she said she was calling from capital one doing a followup call on my request she then begins to state to me that they do n't have a goodwill program and that i basically need to deal with the late payments being on credit and continue to pay extra on my car loan every month. I just do n't understand if that was n't something they did n't do why would the first person give me false hopes?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-10
Company: Midwest Recovery Systems
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A company by the name of Midwest Recovery System has reported I owe {$550.00} from a Credit Card with XXXX XXXX XXXX I had 2-3 years  ago. I paid this account off with a settlement payment with the creditor. 
Within the last 45 days, I received a letter from a collection agency stating I owe a balance of {$550.00} to XXXX XXXX XXXX. 
I explained to this collection agency that I paid this balance. The rep stated he was contacting the company that was handling my account. I also requested a copy of my bill and someone to contact me regarding this bill. 
Since my last time talking with the collection agency 45 days ago, I haven't back from anyone since through mail or phone. 
Today a collection account appears on my credit file even though I have requested this account be reviewed and I be sent supportive documentation regarding this balance. 
This collection agency has violated the Fair Debt Collection Practices Act by not providing me with my requested documentation to prove this debt is indeed owed. They just applied to my credit file as a collection to show negative activity rather working with me to correct this debt myself. 
I haven't heard anything from the original creditor or any other agency for 2-3 years and now all of a sudden I owe money. I need proof!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Sequium Asset Solutions, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a debt with XXXX XXXX which was pass to Sequium Asset Solutions, which i settle for {$890.00} which to paid in XXXX payments i made the first payment and i receive a receipt right after the payment i made the second payment on the XX/XX/2021 as agreed upon i have not receive a receipt for payment i call back on XXXX and ask for my receipt of payment and a letter saying that the account was paid upon agreement i was told that i will receive them within 5 days I have not receive them as of today XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: CCS Financial Services, Inc.
State: NJ
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:
CCS of XXXX MA sent a letter stating I owe {$280.00} due to XXXX. I have never had any business with XXXX and sent a letter stating this. The credit collection letters keep appearing. I have never had a XXXX policy in my life. Please stop the scams and fraud. File number XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I underwent a refinance with CapitalOne last XXXX. During this process my home came in at a value less than expected, and I indicated that the loan offer was thus not very attractive to me. The loan officer then told me he would work on it, and I was presented with a final calculation of escrow plus payment that came to {$990.00}, less than what I was currently paying. However, he did not inform me at the time that in order to reach that calculation my escrow was only partially funded, leaving me with a negative balance that I had to make up. My mortgage payment just jumped to {$1100.00}, which exceeds my previous payment. Given that a loan officer would know that partial funding of an escrow would result in this jump, and given that I was never informed that this jump would take place ( my taxes and insurance would likely remain roughly the same, so these costs could easily be anticipated ), I believe the loan was crafted to present an artificially low payment to entice me to take the offer. It did beat other offers, and I selected this packaged based on this monthly payment. I believe that by not informing me of what would happen, it created this low payment, securing my contract, and left me as the consumer to pay a higher cost later to CaptialOne 's benefit. This was a very unethical business practice, for the loan officer did not tell me this would happen, nor was I informed at signing what would occur. I was just told " this is your payment. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-10
Company: Advantage One Credit, LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Fraud for employer of XXXX  XXXX XXXX XXXX XXXX ex convict for robery cibernetic and unknown person XXXX  This persons alterate and robery this pay mounth due the one credit one make for me.

Company response to consumer: Untimely response
Consumer complaint received 2016-11-07
Company: Brelvis Consulting, LLC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I was robo called by a XXXX party ( The Student Loan Help Center ) to help me with my student loans. As a XXXX in a XXXX XXXX district, I knew I was soon eligible for up to {$5000.00} loan forgiveness. Assuming that was why these people contacted me, I agreed to pay a one time fee of {$590.00} dollars so this company ( who I thought was affiliated with the department of ed. ) could alter my repayment program. Apparently this service is offered for free directly through my lending house ( XXXX ). I have since worked with them to not only enroll in a new type of payment program, but also to file a complaint with them as well about these poor/unethical business practices. I 've since filed a complaint with the XXXX and have contacted my XXXX. I would like to be reimbursed for services that were A ) never necessary and B ) never rendered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Payoff process

Complaint:
My account from Capital One went into collections. I agreed upon an amount paid every check ( XXXX ) it still shows that I owe an outstanding debt of {$100.00} on my credit report when it is in fact paid in full. I want it removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2019, I fell victim to a multi-layered scam operation orchestrated by Fake XXXX  support which involved me making deposits for a total amount of XXXX USD from my Coinbase Inc. account to the fraudster.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i am victim identity theft. i was a part of the Equifax data breach and also had my identity stolen on a local level. do to these actions i have had choric amount of fraudulently opened credit cards, car loans, bank accounts and other open without my permission. i reach out to express this to Equifax and to no avail have they tried to rectify the bogus information appearing on my report with is causing me finical and mental anguish because its not allowing me to handle business to take care of my family

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
id theft victim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 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 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 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I signed up for XXXX insurance based on assurances from the insurance company that my XXXX was in their network and XXXX were covered. It cost me {$100.00} to start the insurance and the monthly amount of {$37.00} was to be drafted on my Capital One credit card. After I received the information from the XXXX, I discovered the discrepancies in what I thought I was paying for and what I actually bought. I sent an email on XXXX XXXX, XXXX cancelling the coverage and requesting a refund. No response from the XXXX company, Upon checking my XXXX XXXX Capital One card statement, I saw a charge for the XXXX payment. I called the company on or about XXXX XXXX, XXXX to ask why I was being charged since I cancelled via email on XXXX XXXX, XXXX. I was told by their customer service representative that they would look into whether they had received my cancellation email but I would not be charged after XXXX XXXX and XXXX received a refund of my XXXX XXXX payment. I was assured that my 'membership ' was cancelled effective XXXX XXXX and I would not be charged in the future. It was n't until XXXX XXXX that I saw I was still being charged {$37.00} for the insurance membership on my Capital One credit card. I immediately called the company, sent them the email from XXXX XXXX, XXXX and requested a refund. The customer rep told me she would research whether they had received the XXXX XXXX email but could not do it that day since it was time for her to get off work and it was a Friday. She was to call me the following Monday but my membership was cancelled effective XXXX XXXX. She was not sure if management would refund my payments from XXXX XXXX to XXXX XXXX. The company never contacted me. Any contact was initiated by me on this matter. In the interim, I requested Capital One to reverse the charges/payments for this time period for this company. I sent them a copy of the XXXX XXXX, XXXX email cancelling the insurance membership. Capital One did reverse the charges but them sent me a letter stating I did not send copies of receipts of the charges so they reapplied the charges to my account. Since these were automatic drafts or charges to my account, I never had receipts for the charges. Therefore, I am filing a complaint against Capital One. I would also like to file a complaint against XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by a couple different collection agencies. Unfortunately I was not aware of the difference at the time because the representatives who contacted me spoke in a mumbled voice and had heavy accents. XXXX XXXX XXXX XXXX stated that I owed them {$2000.00} on XXXX/XXXX/XXXX. I spoke to them on the phone several times however we did not reach an agreement for the settlement. I continued to be contacted, unaware of the new agency, and continued to try to settle. At this time I was being contacted by XXXX who started to contact me on XXXX/XXXX/XXXX in reference to the same account number. Finally on XXXX/XXXX/XXXX I reached a settlement with XXXX XXXX XXXX XXXX to pay my account number XXXX. I received a paid in full receipt and the agreement in writing. The original debt was still the " XXXX XXXX XXXX '' debt I was talking to them about this whole time. Well when I check my credit report I was sent to collections by " Credence '' for the " Key Vaca Physicians '' debt which I thought I had settle earlier that month. XXXX XXXX told me specifically that I was paying my debt from the " XXXX XXXX XXXX '' in full with them in the amount agreed upon. I did not know that part of the debt had been forwarded elsewhere, and they tricked me into believing that I was cleared out this debt in full. Had I known this I would of continued to try to settle the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am a currently a XXXX ( not working ) and XXXX. Ten years ago The State of California Department of Rehabilitation and I entered into an agreement that they would retool me for working from home. In the process of their program, I ran to the limit of Federal Education Loans, and took a Private Student Loan from Sallie Mae. The State had promised to find me work upon completing their program. My XXXX conditions worsened, and the State of California released XXXX XXXX individuals ( I being one of them ) from its program to " save money '' for the State ( at that time in bad fiscal condition ). My Federal Loans were forgiven as part of my deteriorating XXXX situation, but Sallie Mae would not forgive my loans based on the fact that I knew I was XXXX when I applied for the loan ( even though that was not a factor in the application ). When I explained that my health had continued to disintegrate, they refused to accept this despite letters from my medical providers. My loan continues to grow with fees. I have no savings or any means to repay XXXX or settle with them. Also, I now have the XXXX loan on my credit report. This is a very black mark as I am definitely not a shirker of my responsibilities -- having once been an educator at the university level. I repaid my earlier XXXX loans. However, my current income ( {$1600.00} a month ) is hardly covering my living expenses. I did not get the opportunity to try to work because of the economic downturn. I had to go bankrupt because of accumulated medical expenses from the period that I could n't get insurance because I had preexisting conditions. I am an XXXX XXXX, and I ca n't get any kind of credit line to boost my credit worthiness ( for renting ) because of the bankruptcy, and, more significantly because of the student loan non-repayment. Sallie Mae has been horrible about this ( well-documented by others in a similar position ). I am now " in collection, '' but have nothing they can levy. I have been unable to work since 1995, and the State of California 's rehab opportunity that they would find me work did not materialize. I feel Sallie Mae has violated my rights as a XXXX individual. I have stopped communicating with them as it seems a hopeless situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: RGS Financial, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Contacted me many time with my number but did just left a general message stating to please call RGS. They did not even mention who they are looking for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07
Company: ASTORIA BANK
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am trying to obtain a short sale approval from Astoria Bank - they ( Astoria ) demanded that they have short sale approval from all junior liens BEFORE they would even consider a short sale. I pressured the junior lien holder XXXX XXXX XXXX XXXX for their approval - which was granted on XX/XX/XXXX17. I am not being told that this file will take at least another 30 days for Astoria to review and consider for a short sale. It has been almost 2 months since XXXX XXXX approved the short sale - and Astoria is telling me it will be at least another 30 days before they will have a response. Can this be escalated???

Company response to consumer: Closed with explanation