BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am not liable for this collection debt with XXXX XXXX who sold my personal info to Portfolio Recovery Associates " without my consent ''. I do not have a contract with XXXX XXXXXXXX or Portfolio Recovery Associates, I have requested & " They did not provide me with the ( original contract or application ) '' like I asked after explaining that the account was fraud. they sent me a bill not the actual contract or agreement or my consent to even forward my personal information in the first place Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: TMX Finance LLC
State: TX
Product: Consumer Loan
Sub-product: Title loan
Issue: Lender repossessed or sold the vehicle

Complaint:
I was given a {$5000.00} title loan from TitleMax in Texas on a vehicle worth {$17000.00}. I recently became XXXX and could n't make the payments, called TitleMax and informed them of the illness, and they told me they would not repossess the car. I woke up this morning and my car was gone. Upon filing a police report, I was told the car was repo 'd. XXXX was the company that repo 'd the vehicle from a gated, secure parking lot last night, XX/XX/2017, which they had no permission to enter from the leasing office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Sent XXXX checks to XXXX XXXX XXXX from CapitalOne 360 account. XXXX claims they never received the checks, yet they were cashed. CapitalOne continues to fail miserably in finding where the money was ultimately sent and either crediting our account or sending the exact same amount to XXXX. It 's been nearly a year and no resolution is in site. Their latest attempt at resolution is, charitably, completely inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is Conn 's Home Plus and I am late on a payment and now they 're calling me XXXX, XXXX, sometimes XXXX times a day everyday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had an account since XXXX 2012 with capital one auto. After XXXX years of paying on the loan capital one began harassing me with several phone calls a day and now text messages. I also have a late payment that I disputed with them after a representative stated they only mark your account late if the payment is n't in by the end of the month for reporting. I also was promised paperwork to restructure my loan and then I was told it was n't sent because I stated I would be hiring an attorney.Company has called over a XXXX times back to back. I have enclosed only a handful of calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX XXXX XXXX, SC XXXX : Capital One FCRA LitigationTo Whom It May Concern : I had previously advised your company that I have been a victim of ID Theft. As a result I have a fraud alert requiring companies to contact me prior to approval for credit. Over the last 2 years Capital One has called/sent letters asking if I applied for credit which I have not. I have responded by phone and in writing that I have not applied/authorized said inquires on my credit and they needed to be removed. Your company stated in response to a previous CFPB Complaint and said that you would remove the unauthorized inquires once I faxed a copy of my credit report. Which was done the day that it was requested. Well now over a month later not only do they still remain but the number of inquires have since increased. Between all XXXX credit bureaus there are over XXXX total. Under FCRA ( codified at Title 15 United States Code Section 1681 and following ) this constitutes Willful Noncompliance in reporting on your behalf. 
Although your company seems to think that you can take advantage of what you perceive to be an uninformed consumer, I am far from that. I know that under FCRA each separate incident ( Inquiry ) reported where your company has failed to prove Permissible Purpose I am eligible for {$2500.00}. Now as we both know I can retain a law firm that I have worked with very closely in the past do handle this matter and they would gladly take the case and file suit. Your company in an effort to avoid a lengthy lawsuit costing thousands of dollars in attorneys fees and court cost would attempt to settle. Now that is a route I do n't mind going but serving in the XXXX XXXX XXXX of the values instilled in us daily was integrity. Due to the fact I do n't think it 's fair for your company to immediately be forced into paying my attorneys fees and so on I am going to afford you XXXX final opportunity to resolve this matter on a voluntary basis. I do want you to bear in mind I also do n't believe it is fair that your company being the 'Big Business ' you are completely ignores this offer to resolve and merely offers to correct the problem. The XXXX are not XXXX in the same and if you treat them as such I will cease all contact and file suit against your company. 
Here is what I am proposing you immediately remove any and all inquiries from all XXXX credit bureaus and pay me a settlement of {$10000.00}. The offer for settlement is more than fair considering your cost in legal fees would far exceed that amount. This must be done on or before 14 calendar days from receipt of this notice. If you opt to not to do so then I will have no choice but to seek the full amount entitled to under FCRA plus actual damages. Please confirm receipt of this notice by calling XXXX. 
Thank you for your prompt attention to this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am requesting for the last time with this notice that the following inaccurate items be DELETED from my credit report over 30days past. XXXX XXXX XXXX XXXX ( AUTO ) XXXX XXXX XXXX XXXX ( OTHER ) XXXX XXXX Opened Date XXXX, XXXX Opened Date XX/XX/XXXX the items are not correct result of ID THEFT and are causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX County OHIO that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX XXXX Against XXXX for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I standby the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. This is NOT a request for " legalization '' via XXXX or evidence of my mailing address ect, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct address current XXXX XXXX XXXX XXXX XXXX OH XXXX accordance with section of the Fair Debt Collection Practices Act. Or I request this be Deleted with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization. 
Consent to publish the description of what happened? Consent provided

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/XXXX I refinanced my loans with XXXX, a private company that refinances student loans. The total amount refinanced was around {$17000.00}. I made monthly payments over the past 2 years with interest to pay off this loan during the pandemic. 

XX/XX/XXXX After learning Biden-Harris Student Loan Forgiveness plan XXXX I immediately thought that it didn't affect me and I was already out of luck because I had refinanced my loan. That was until seeing this post on XXXX : XXXX  : XXXX. The original poster mentions that although the loan was refinanced, all that really happens when a loan is refinanced is a private company makes a payment on your behalf, the Federal loan still belongs to the student, and under the CARES Act, should be able to be refunded. The original poster also contacted XXXX and they have said that because their payment has details about who it is for, they can forward any refund request to the original lendee. 

After reading this I decided to call my Federal loan servicer, Great Lakes, and request a refund like many others were doing. There was no argument, they submitted the request and I thought everything was good. 

XX/XX/XXXX I call Great Lakes again to check the status of my refund. Unfortunately, the news that I receive is that the request had been denied about a week earlier, I think on the ninth. The reason for this I was given was " because the payment was made by a third party ''. 

I don't know why this would matter under the CARES Act, as the loan still belongs to me, not XXXX. Furthermore, some people are getting refunds sent to XXXX : https : XXXX. Why are some people being treated differently? 

Also, the process I am trying to take is what is being promoted by the XXXX XXXX XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i keep receiving calls to my cellphone from a scam debt collector. 

They have called XXXX or XXXX times now. They imply they are debt collectors, but when asked who they are trying to collect for, the woman said we work for XXXX of clients, a nd started asking for my birth date. I told them I do not owe any outstanding debts and stop calling.I hung up. The calls sound like they come from a call center. The # used is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
CAPITAL ONE BANK USA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CAPITAL ONE BANK USA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CAPITAL ONE BANK USA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I wired money from my Bank of America account to my account with XXXX In XXXX XXXX. The amount was sent but was then returned according to XXXX XXXX, it was been out back in to my account in America and I have been trying to get hold of someone in the bank to help me with this. even when I finally get hold of them I am transferred to another department, who either dont answer the phone or hang up. I have spent about 8 hours on the phone over the last 2 days and still havent managed to get to speak with anyone who is willing to resolve this issue. My confirmation code is 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 monetary relief
Consumer complaint received 2017-01-23
Company: Ocwen Financial Corporation
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My Home mortgage is currently working on modification but XXXX is published to sell my house without open house in XX/XX/2017. I opposed this during the hearing but judge granted XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
A block was put on my account ; apparently, when I went to change the password as instructed, the app either didn't recognize it ( because I changed the password ), or something else created an issue. I was told that, because I moved out of state, any activity could have triggered an alert which may have blocked my account. The problem is that the phone lines that were offered to me to resolve the issue are either not working or someone forgot to do something while using the phone system, which wreaked haavoc when trying to contact anyone in the fraud department. I was given several phone numbers to try ; each had the same message : 'due to unforeseen circumstances, we are unable to take your call at this time. Please try your call again later. ' This outgoing message has been going on for DAYS ... now, I am unable to pick up my prescription, and as a high risk for XXXX patient, I think that this unforseen circumstance could have been better handled and forseen by the bank administrators. I had to speak with an unruly bank representative and called her back ; she hung up because she didn't have anyone there to help, and my personal banker was with another customer in a meeting. I was finally able to reach my personal banker, but all the numbers she offered had the same outgoing message.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: PLANET HOME LENDING, LLC
State: MT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX, I contacted Planet Home Lending letting them know that I have become XXXX, and that I need assistance with my mortgage until my hearing with the Social Security Administration. It is listed all over their website that they have programs and are happy to help. They reported that they received my paperwork on XXXX XXXX XXXX. It is now XX/XX/XXXX and not only have I heard nothing from them regarding my need for assistance, which I was promised within 30 days of them receiving my paperwork, I am still receiving call after call from nasty people from planet home lending asking when I was going to pay my bills, or pay my mortgage to current status. They also have people taping nasty notes on my front door telling me to pay up. Not only have they lied repeatedly about wanting to help, they are charging me late fees for every month they make me wait for them to give me an answer. I WAS NEVER TOLD BY ANYONE AT PLANET HOME LENDING THAT DURING THIS TIME I STILL NEEDED TO MAKE PAYMENTS UNTIL I HEARD BACK FROM THEM.

Company response to consumer: Closed
Consumer complaint received 2022-09-17
Company: EQUIFAX, INC.
State: GA
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 have been disputing XXXX XXXX account reporting on Equifax XXXX XX/XX/2022. I have made at least two request in the past 75 days for equifax to delete this XXXX account because of the inaccurate information its reporting. The inaccurate information is the months reviewed which is showing 53 months. However this account was opened on XXXX XXXX. The delinquent date is XXXX XXXX. If you count the months starting 30 days after the OPEN date up til XX/XX/2022 is not 53 months! It is 65 months of reporting/reviewed information. And this acct was SOLD but it does not show who the charge off account was SOLD TO as it should! This account does NOT MATCH with the reporting information on XXXX or XXXX. But They are STILL reporting this inaccurate information which has been on my report at least 3 years. This acct is affecting my credit score and have been the reason for me being denied credit. Please take this complaint seriously by contacting this Equifax and making them DELETE this account because they are not reporting according to the guidelines of the FCRA. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Experian Information Solutions 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:
Dear Experian/XXXX/ XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.

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 2017-05-01
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Our Mortgage  Stateme  nt for   XXXX   XXXX   XXXX   h ad went up by {$620.00}. Calle d    XXXX   XXXX   to find out it was due to our escrow account the taxes portion. For  XXXX  our home was listed as an income property which made the taxes to up significantly by  XXXX . On    XXXX   XXXX   XXXX   I went to  the tax accesor office to correct this issue. I received a copy of the corrected tax amount with my tax number. I was advised to send the copy to ditec h Mortage to have this issue corrected as well to lower my mortgage to the correct amount. The amoun t copy was sent to ditech mortgage on    XXXX   XXXX   XXXX  . After speaking with the escrow department I was advised to give them 21 day 's to correct th is issue as well for the month of  XXXX  I will still have to pay the {$1800.00}. Which I paid on time. Now for the month of  XXXX  this issue almost 60 day 's later has still not been resolved. On    XXXX   XXXX   XXXX   I  contacte d Ditech Mortgage a gain regarding this issue. Also sent the exact same paper again dated  XXXX   XXXX ,  XXXX .  Currently Ditech M ortgage wants another 21 day 's to correct this same issue. Financially I am in able to afford to pay another an extra {$620.00} For a third month. I have attempted to speak with management in the escrow department 3 times. Which no one is ever available to speak with. I have requested and waited for a return call back fr om Management and I have not received one. I have also contacted the county as was advised that a check has been sent to Ditech  regarding the over payment dated    XXXX   XXXX   XXXX  . I   gave  ditech Mortgage the check number, bulk amount and as well as the amount that was issued for my account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation