BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is a follow-up complaint regarding Capital One response letter on XX/XX/XXXX to the CFPB Complaint ID : XXXX. I am still requesting Capital One to actually investigate the missing fund of a {$2000.00} check I deposited on XX/XX/XXXX via Capital One mobile app.

First, I tried to call the number provided in the letter three times ( as I was told to call it if I wanted to discuss in details ) between XX/XX/XXXX and XX/XX/XXXX. Nobody picked up and I left voice messages as instructed every single time. There is still no calls back ever since. 

Second, in the response letter, Capital One asked for the source information of the Paid Cash Letter from the paying bank. Please find the Paid Cash Letter from XXXX attached. Please note, I also attached the same letter to my original CFPB Complaint ID : XXXX, so I dont understand why I was asked to provide again. If it is not forwarded, please provide an email address or mailing address in your response letter this time, so I can mail it directly. 

Third, Capital One responded that my check deposited on XX/XX/XXXX was rejected due to a missing signature. Attached please find the check e-image on the paying bank app on XX/XX/XXXX where signatures could be seen on both front and back with the XXXX bank stamp showing Capital One as the receiver. Again, I also did provide this image in my original CFPB Complaint ID : XXXX, so not sure why it was not being looked at.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On Friday XX/XX/XXXX, I XXXX XXXX, formally XXXX XXXX DOB XX/XX/XXXX was applying for school at XXXX XXXX XXXX XXXX. I contacted XXXX for financial aide, and was advised that I had outstanding student loans from XX/XX/XXXX. I advised the financial adviser that I repaid the company thru my taxes in XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX, My entire tax return was taken from me all 3 of these years to pay back these student loans. On XX/XX/XXXX, at approx XXXX XXXX, I contacted Navient student loans to discuss the payments that were made from my tax returns from all 3 years and I spoke to a Representative named XXXX, I told her that I paid the loans from XX/XX/XXXX back with my tax returns and i should not have a balance owed, and she advised me that she could not give me any information concerning the account and I had to contact XXXX XXXX XXXX funds at XXXX. Upon me calling that number the promp said thanks for calling Navient. this was the same company that I contacted the first time, and the promp said that the office was closed it was apporx XXXX XXXX. It is to the best of my knowledge that I am being scammed and I have over paid this company, they are also stooping me from receiving funds to help me further my education. I need justice as well as help with this. I have overpaid this company more than 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: EQUIFAX, INC.
State: GA
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:
The XXXX XXXX card doesnt report that is has been paid but it also doesnt report that it has been sold to a collection agency please verify this information and delete all inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Nelnet, Inc.
State: NY
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:
My student loans are still reporting with a balance and it should be reporting zero. They update my credit on the XXXX of XXXX saying I have a balance when in reality it showed that my balance is XXXX in their side. 

I reached out to them asking why they report that I still have a balance, and they said it does not show any balance. 

They also said that they update reports at the end of each month and sent me a letter stating it was paid. I sent this letter to the credit bureau disputing the current balances being reported, and they verified it as accurate. Why are they reporting that information was verified and it wasnt. If it was verified theyd report the loan as XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: UT
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Colony Brands, Inc.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Ginny 's XXXX I wrote them 3 letters and requesting by certifiy mail and notarized letter requesting the company to validate the debt with my original signature and they fail to provide. I sent this request to credit bureau XXXX, XXXX, and XXXX as well too indicating I wanted the company to validate the debt with original signatures and either party has done so on the 3 attempts that I have made. For example, I spoke with XXXX about this matter and they had the letter requesting the original signatures and it was not done. I even ask for a supervisor she then denied the letter was on file after previous rep stated the letter was on file and they did not get the return original signatures from Ginnys ' within 30 or at 30 day time frame. I also went the extra step to make a complaint about Ginnys 's to the BBB of Iowa where the company was locate they got no response after trying 2 attempts about validating the debt with original signatures I have a copy of this letter too. I advised both the bureau and the creditor what I needed to see verify this was my debt and both parties just ignored me. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: HCFS Healthcare Financial Services of TeamHealth
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: Account information incorrect

Complaint:
There is a company that is reporting that I have not done business with is reporting on my credit file. I have never even heard of this company nor informed until I seen it on my credit. This company is reporting several different accounts XXXX total accounts. This is crazy, I have disputed with nothing being received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Linebarger Goggan Blair & Sampson LLP
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter yesterday about a fabricated debt. Never had any dealings with the company that was indicated in the letter ( XXXX XXXX XXXX XXXX ). Called the number on the letter at XXXX XXXX/XXXX/22 and XXXX answered the phone. I told her that the debt of {$190.00} does not belong to me and gave her the reference number on the letter and my name. She then tried to obtain additional information from me, and I told her that I will not be providing any information outside of what is indicated in the letter. XXXX XXXX response to that was " Call us when you are ready to provide the information that we need '', she then hung up on me. 

I find it ironic that I have to spend any time dealing with this fabricated debt, but was compelled to XXXX the company that allegedly created the claim and the collector... and was surprised to discover that I am not the only victim. I think a government intervention is necessary here to stop this abuse. 

I do not trust the debt collector ( Linebarger Goggan Blair & Sampson, LLP ) and the company making the claim

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have two credit inquiries from XXXX dated :XX/XX/XXXX and XX/XX/XXXX that I did not authorize. I sent a certified letter to XXXX regarding the unauthorize inquiries. They sent me a letter back telling me to dispute transunion. Transunion wo n't except the letter XXXX sent me regarding credit removal of inquires.

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 2018-03-14
Company: Southwest Credit Systems, L.P.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
XXXX XXXX Opened XX/XX/2018 for the amount of XXXX I wanted to pay this off and have it removed from my credit report. They refused. I have not had this problem with 1 other company I asked to do this.I am trying to buy a house

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XX/XX/2021 placed a hard inquiry on my credit report. I have never applied for credit with this company. I contacted the company back in XXXX of XXXX and was told they would look into the inquiry. As of today no one has contacted 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 explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX BANK Account XXXX XXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-04-16
Company: BAM Management US Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XXXX XX/XX/XXXX BINANCE.US Is Not Responding To Multiple Support Tickets That I Have Submitted Over The Course Of Two Months. Resulting In An Inability To Withdraw Funds Or Earn Revenue. 
I Deposited XXXX XXXX Dollars In XXXX XXXX Dollar Increments On The Dates Below In The Attached Bank Statement. Those XXXX XXXX ; XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Listed As, " XXXX XXXX ''. 
On Or About XX/XX/XXXX, I Disabled The Account After Reading The That I Could Freeze The Account If I Had Any Concerns. I Addressed The Concerns I Had And Went Ahead With The Verification Of Reactivation Two Days Later XX/XX/XXXX. Since Then I've Had No Contact With Support. I've Sent In Numerous Tickets, I've Contacted Numerous BinanceUS Accounts, " XXXX '' " XXXX '' " XXXX '' And Still Nothing. 
As Of Now I'm Still Locked Out With No Word From BINANCEUS. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: UNITED STUDENT LOAN SOLUTIONS
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
A student loan consolidation company by the name of United Student Loan Solutions, address :  XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX , Fl  XXXX , phone number  ( s  )  XXXX ,  XXXX ,  XXXX ,  XXXX  This company is pretending to a third party contractor for  the U.S.  Department of Education, in assisting students with loan debt to consolidate their loan, as part of   XXXX   XXXX   Loan forgiveness program. They tricked me into giving them my ss #, driver 's license #, employer 's information, an d FSA in formation to review my loan amounts. This company asked for an upfront payment of {$590.00} to processing the loan consolidation. I gave them my debit card number to t ake out two pa yments of  XXXX  on  XXXX / XXXX / 17  and  XXXX / XXXX / 17 . After speaking with the rep  XXXX , I became suspicious of the matter. I contact t he U.S.  Department of Education, and they advised that loan consolidation would be a free service through them. They also advised me to contact Consumerfinance.gov to file a complaint. I then contacted my bank, as well as  my local police to file a fraud complaint. I also contacted all three credit agencies, my state motor vehicle license agency. They portray themselves as  XXXX  on the internet. It is a trap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
this company capital one clams charged-off with a owed balance of {$650.00} and yet still reporting negative remarks on this account. This is a formal notice that your claim is disputed. you have false, inaccurate and incomplete information reporting on my credit report including but not limited to incomplete account number. I have been treated poorly, and financially hurt due to these issuesi recently got a copy of my credit report and i am shocked to see fraudulent information being reporting on my report wish has decreased my credit score wish has finaicailly hurt me! i am super upset because this has gotten me denied for a car that i need to get to and from work wish not i have been fired wish not im not even ablle to take care o me family. i need this issue fixed as fast as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Vehicle loan with Hyundai motor finance, loan has been paid off around 6 months ago, never received title, they didn't release the lien, I called at least 4 times, first they said they released the lien on XX/XX/2022, but XXXX and I didn't get. But they promised to send the lien release documents to home, I even made sure the home address is right with them, so far, nothing received, first call made in XX/XX/2022, second, third calls made on XX/XX/XXXX, XXXX call made on XX/XX/2022, still nothing arrive until today.

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 2017-09-08
Company: HEARTLAND PAYMENT SYSTEMS INC
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 status incorrect

Complaint:
My XXXX report shows a 30-day late payment for in XX/XX/XXXX my student loan serviced by Heartland ESCI in conjunction with XXXX XXXX University. XXXX XXXX was the direct servicer prior to that. When they entered the agreement with Heartland they released all auto-pay features and provided minimal details on how to make our payments to the new servicer or showed when they were do. The transfer of service occurred starting with the XX/XX/XXXX payment. Moreover, I still managed to make the XX/XX/XXXX payment in a timely manner, and in fact was charged twice. If it was for the XX/XX/XXXX payment, then that was because the new servicer had never alerted me, nor had either provided a means of access to the account. They made it an absolute pain in the behind to arrange a new auto-debit. Just look at my payment history, XX/XX/XXXX was never late. The missing payment there happened during my 60-day service transfer window mandated by federal law. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Opened the XXXX XXXX XXXX American Express card on XX/XX/XXXX. 

The bonus offer was XXXX bonus Starpoints if {$3000.00} of eligible spending was completed by the end of the first 3 months of Card membership based on the date of the Card Approval. 
The Bonus points would appear on my XXXX XXXX XXXX statement 8-12 weeks after the spend threshold was met. 
The Card was approved onXX/XX/XXXXThe {$3000.00} threshold was fulfilled onXX/XX/XXXX The account should have been credited with XXXX points onXX/XX/XXXX ( per an American Express associate ). 

OnXX/XX/XXXX, I spoke to American Express associate who informed me that I should have received the bonus promotional points. The accounts was not credited since XX/XX/XXXX since Amex had been having technical issues but that the account would be credited with the XXXX points within 10 days. 

On XX/XX/XXXX during a follow-up call with American Express an AMEX associate informed me that they were still working through technical issues and could not provide me with a date when my account would be credited with the points. At that time I asked if notification had been forwarded to card holder on the issue and the associate informed that might have been the case but could not confirm. To-date I have not received a notification letter. A complaint was filed and complaint number was provided XXXX. 

I have lived up to my end of the agreement by meeting the initial requirement to qualify for the promotional bonus within the specified time frame. The account is always paid in full and on time. My expectation is that American Express fulfill their end of the agreement. American Express has been delinquent on crediting the reward points for almost two months. If I would have been delinquent paying the account for two months American Express would have reported me to the credit reporting companies. For a major corporation to have technical issues impacting account holders for this amount of time is inexcusable and absurd.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX claims that I owe them {$2200.00}. After two letters sent by me, XXXX XXXX failed to provide me with the document bearing my signature, showing that I have, or ever had some contractual obligation to pay them I believe tahat this is a violation of Fair Credit Reporting Act ( including, but not limited to Section 623-b )

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 2022-09-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax you reported verified a violation you can not do that only the consumer can enclosed are my written request by law that you need to follow under the law exactly as per my request XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Synovus Bank
State: CA
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:
Ive contacted the following creditors : XXXX First ProgressXXXX XXXX XXXX XXXX XXXX  XXXX XXXX And the all three credit bureaus : XXXX   XXXX  XXXX, To remove all late payments as I agreed to pay-to-delete and goodwill deletions with all creditors however I did not get it in writing and they are refusing to delete rom my credit. Please kindly advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/XXXX - Submitted a refund request for federal student loans paid in XXXX ( after the loan payment pause ) through XXXX to FedLoan Servicing. Customer service representative told me it will take about 2 weeks for the refund to arrive in my bank account. 

XX/XX/XXXX - called to check on the loan reinstatement and refund status. Customer service representative told me the Loan will be reinstated soon and the refund could take up-to 2 months. 

XX/XX/XXXX - my loan was reinstated on FedLoan servicing website. 

XXXX - I called to check on the timeline for refund as I need the money. The customer service representative mentioned that it could take up-to 150 days. 

I am concerned that the timeline for refund keeps going up each time I call and I dont think I would get the money ( but my loan has been reinstated already )

Company response to consumer: Closed with non-monetary relief