BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-05
Company: American Credit Financial
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I 've already filed  XXXX  wo complaints because this company continues lie about my account and give me the run around. Y es, I had insufficient funds to make the  XXXX   XXXX , payment so it was declined and I called that day to make arrangements for a payment on  XXXX   XXXX . I have the email regarding the decline on  XXXX   XXXX , but the payment that was supposed to be made on  XXXX   XXXX  was never charged or declined by my bank. The money was there. And I was not notified of such a decline. Nor did I receive a statement in  XXXX  indicating that there had been any kind of decline or what would be taken out for  XXXX  or what I owed. I sent an email, since my phone calls were not going through as I work during the day -- and assuming that this email has to be monitored because it 's where they requested that I send my signed contract, they would have seen that I had not been receiving my statements and did n't know why they were not charging my payments. Still nothing. Until  XXXX   XXXX , I had not heard a single thing from this company by phone, email, or mail. Obviously they have my mailing address because it appears on my decline email, and obviously I could get emails from them, because I have this decline email, but I never received another thing from them after I made arrangements on  XXXX   XXXX . And yes, I told the rep to shut up, because I was sick and tired of getting this kind of run around and being fed these lies. One of the managers admitted to my husband that this was the company 's fault, and given that I have every right to have filed a complaint. I had received NOTHING -- no responses, NOTHING -- after my call on  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
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 sent letters to XXXX, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. USAA SVG BK is the company that is reporting to XXXX and XXXX, as well as, XXXX is alsoreporting falsely. They removed some reports from XXXX but they were not able to remove it from XXXX and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence Under XXXX5 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Greentree & Associates
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am seeking to file a complaint and to hopefully get some sort of resolution to a problem that I have been dealing with  for 7 seven ye ars. Back during the height of the financial crisis I ended up short selling my primary residence and  XXXX  investment properties. At that time the loan on my home was held by  XXXX   XXXX   XXXX  . When we closed, I was under the impression that the loan was to be cancelled since it was my primary residence, but this was not the case. Since that time, I had been making payments continually on this loan which was then transferred to  Greentree Servicing w hich took over when  XXXX  went out of business. I continually requested some type of settlement with  Greentree but the y were requesting a large amount of money to settle this debt that I did not have. Now  Greentree  has gone out of business and I am being garnished for the balance with  25  % of my paychec k ( {$1600.00} )  per month going towards the balance of loan for a home that I have not owned  in 7 years. T his outstanding balance on this loan has also prevented me from purchasing another property. I am just looking to find some assistance so that I can begin to move forward as well as rebuild. Everyone understands the climate and the devastating effects that the financial crisis had on our economy and everyday individuals, and while many people have been able to move on. Yet, somehow I am still here dealing with the same issues and have found the lender to be very uncooperative in helping to find a resolution. I would try appreciate any assistance that you could provide in helping me to bring this issue to some sort of resolution.

Company response to consumer: Untimely response
Consumer complaint received 2016-07-14
Company: FIDELIS RECOVERY MANAGEMENT, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received irrational frequency and number of repeated auto dialer calls to my mobile device and then my employer phone number, after asking for the automated calls to stop, phone records as evidence, recorded call and certified letter evidencing my request to be removed from auto-dialer. Requested debt verification letter in writing, received it more than 30 days later and it had inaccurate information. I provided response to debt collector disputing the information they provided which was an entity and account number I have no evidence of. No response after more than 30 days.

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
Consumer complaint received 2021-01-19
Company: Experian Information Solutions 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:
My loan was in forbearance and XXXX still reported it as open and paid late.

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 2017-05-05
Company: POPULAR BANK
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Banco Popular has given a loan according to the Board Meeting Minutes to XXXX XXXX XXXX XXXX where I currently live with the purpose of obtaining a certificate of occupancy that expire XX/XX/XXXX. As an owner I do not agree with Banco Popular giving this association a loan for the following reasons : At the time of application the association was dissolved by the Secretary of State for not having a registered agent in XXXX. There is possibly over half  a million in  invoices for services that were never provided. Thee Board also passed a special assessment in XX/XX/XXXX for   {$120.00}, XXXX with the purpose of obtaining the Certificate of Occupancy, the funds are gone, and Certificate of Occupancy was not obtained. The Board of XXXX XXXX can not be trusted with property owners funds. Banco Popular may be giving a loan to a condo association that has been reported to : Provided fabricated ledgers Covered up that the Secretary of the Board XXXX XXXX XXXX was delinquent for 2 years Board member XXXX XXXX XXXX apartment was foreclosed as of XX/XX/XXXX by XXXX and has been accused by XXXX XXXX of fabrication and fraud Multiple cases with Department of Business and Professional Regulation where the state agency held the Association had violated the law Building does not have a Certificate of Occupancy Failed to do taxes for 4 years Owners requested an Audit on XX/XX/XXXX that was never finalized {$3000.00} were paid for nothing. In light of these serious character issues its incomprehensible why Banco Popular would give XXXX XXXX XXXX a line of credit for {$75000.00} that ultimately owners like me will have to pay.

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 2015-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I got an offer for refinancing from Capital One Mortgage. I called them, they went over the terms and I requested further information. I got the paperwork in the mail, and all over the paperwork it said, once you sign this and return it, you are accepting our good faith offer. I never signed anything. I asked if I could have an extension on turning in all the documentation they requested from me, they immediately charged my debit card {$450.00} for closing the loan. I never accepted the loan or good faith estimate so this does not seem legal. When I asked the loan agent, I was told that they would not refund my money but would maybe consider reopening the mortgage but the interest rate had gone up. I then asked the agent if it would make sense to pursue a refinance where the interest rate difference was .25 % ( one quarter of a percent ). and I NEVER HEARD FROM HIM AGAIN. I did contact XXXX, Capital One 's response was that they were not changing their position and were keeping my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This is by far the most terrible on-line bank, I have ever ran into. They want to close my checking account even after getting deposits in it and take offense over a debt I believe they owe period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: CCS Financial Services, Inc.
State: IN
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:
It has been two months that I have been asking for verification, still have an unverified account from CREDIT COLLECTION SERVICES. I had previously disputed this account. I have never done business with CREDIT COLLECTION SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CREDIT COLLECTION SERVICES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT COLLECTION SERVICES. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Navient Solutions, LLC.
State: GA
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:
I chose to pursue my  XXXX  and  XXXX  education in NYS, and then chose to work in jobs that serve our  XXXX  and   XXXX   XXXX   ( 501 ( c ) ( 3 ) ). In pursuing my degrees, I had to apply for federal student loans, originally through   XXXX   XXXX  , then Navient took over. Over the course of time, I was advised to consolidate my loans ( into two accounts : subsidized and unsubsidized ), During this time, and over repeated verbal contact, I repeatedly asked and continuously affirmed ( verbally via phone ) that the payment statuses and consolidated payments I made were applicable toward the Public Service Loan Forgiveness Program. Now I 'm told that the statuses and payments I 've made, during service to the communities I 've faithfully served, do n't count. I 've documented my contact with Navient, who of course, subsequently deny their representatives ' statements and I assume they 've omitted such documentation from their records. As an info systems professional, I 'm not surprised they think their denial is incontrovertible, yet they acknowledged employing people I identified during the time frame I describe below : For example, Navient employees advised, on or about ( includes, but not limited to  ) :  XX/XX/XXXX   : I was advised that none of my payments were applicable ; they apologized because this was a common complaint and they would only offer to " retrain/re-advise '' their employees as to how to advise customers.
  XX/XX/XXXX  :  per  XXXX  - advised me that income sensitive repayments were applicable to public service loan agreement .  XX/XX/XXXX   : per  XXXX  - advised me that income sensitive repayments were applicable to public service loan agreement.
As stated, I did my due diligence, in good faith, and was repeatedly advised and understood that from the inception of the public service forgiveness program until   XX/XX/XXXX  that all my payments/payment status were eligible and applied toward the public service loan forgiveness program. On  XX/XX/XXXX  I reach ed out to an agency representing the public service loan forgiveness pr ogram, MyFedLoan.org, and was advised that my status and all the payments that I 've made on my consolidated loans are no t eligible for the program. A follow up call to Navient resulted in one of their supervisors acknowledging the error, confirming that I 've been " misinformed '' all these years, apologizing, and stating there was nothing they can do but advise their employees to provide the correct information from this point forward. Their recommendation was for me to re-consolidate and restart the 120 payment ( 10 year ) from scratch. Combined loans excee d   XXXX   XXXX  . To date, I  continue to dedicate myself to public service, particularly and proudly serving those who are " Always Ready Always There, '' who are often most likely to deploy to defend us all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a home mortgage refinance with New American Funding based on an email notification that indicated that my first year annual rate will be reduced by 1 %. All along I was led to believe that the loan will be amortized accordingly. New American Funding never provided an amortization schedule that shows how the loan will be amortized. Hence, it was implied that the amortization will be based on the lower rate during the first twelve months of the loan term. Upon receipt of the first mortgage statement, I discovered that the loan was amortized at a rate that is discounted less than the advertised 1 %. I believe that this company is misleading the public and should be required to disclose the 12 month amortization at the forefront of the loan process so that the consumer is made aware of the actual interest rate on the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX of 2015 I bought receivers from XXXX using capital-one Credit card for {$1600.00}. The purchase was made through paypal, and the merchant and I contacted through XXXX messaging. The merchant however never sent in my full order and the order that did come in was n't as promised/advertised ( the merchandise was not only fake, but did not work ). I talked to the merchant, and they denied to refund my money. So I took it up with capital one bank, thinking they would listen to their customers. I have sent in pictures, proof of purchase, a statement explaining the situation, and overall it has been a very lengthy process, and I still have not received my refund over the time frame of almost 5 months. I find it ridiculous that I am being penalized by my credit card company for a faulty and fake transaction. I sent in everything that they requested me to send to resolve this problem, but Capital One Bank is only doing things in the merchant 's favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had an active open account with capital one bank and they closed the account without any notice or even speaking to me on the phone at the current time and date that I called to request for explanation. ( see attached letter sent to Capital One Bank ). 
According to the Equal Credit Opportunity Act, creditors can close an account for delinquency, inactivity or default with no notice whatsoever. There was NOT any of this on my master card account. 
My purpose of this compliant is how badly as a customer I was treated from capital one bank representatives and they lack to take responsibility for their bad customer service. 

Please see attached documents for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX   XXXX   XXXX  did n't replying in a timely manner to my letters to date after numorious certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they  may be  liable for your willful non-compliance, as per FDCPA  807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly i nvestigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action  ( or  in-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am preparing lawsuits against   XXXX   XXXX    & TransUnion for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not 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 2015-05-07
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
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 was in a month to month lease with XXXX ( XXXX ) XXXX. I was obliged to give a 60 day written notice before vacating the building. I did so, and sent the letter via certified mail. Roughly six months later, XXXX placed a {$7500.00} fine on my credit through Fair Collections and Out. This fee is exorbitant, as I only paid {$850.00} a month, and met my obligations for the lease. In the state of Georgia, the law states the landlord can only claim damages and the amount of time the apartment was vacant. I was never evicted, because I did n't break a lease, I should not have this on my credit. When I spoke with them they agreed to reduce the fee to {$3400.00}. This is still outrageous, and I 'm being illegally bullied in to paying for fines I never owed in the first place. They provided a forged copy of the lease that I never signed. If you search XXXX property services in XXXX Georgia, you will see they are well known for these tactics.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Navient is a loan service company, my school I attended has shut down, and I thought was loans would be discharged, why some of my classmates have had there 's discharged, because the school was giving out false information we where not nationally accredited, so I trying to get this resolved and off my credit report.

Company response to consumer: Closed with explanation