BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-26
Company: WELLS FARGO & COMPANY
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:
I vigorously dispute the response and closure to my complaint CFPB case #  XXXX  submitted on  XXXX  My original complaint : I received a dispute summary report from  XXXX   XXXX  and I se e Wells Fargo c losed my home Equity loan account #  XXXX  on  XX/XX/XXXX  with a  0.0 bala nce then opened a new loan Account #  XXXX  under a loan type of a '' line of credit '' on   XXXX   with a balance of {$27000.00}. I never agreed or have any knowledge of this new loan, payment terms, repayment obligations or its association to my once home equity mortgage account.      Wells Fargo resp onse : Thank you for the opportunity to address the concerns about closing any accounts opened without your consent and to rectify the credit reporting. We 've carefully researched this matter and are providing a response. Here are important account details we 'd like you to know. The next payment is due on   XXXX   XXXX   XXXX  . The account is in active foreclosure. We have confirmed that the account was opened with your consent and your credit is reporting accurately. We wanted to speak with you directly but were unable to connect with you at the phone nu  mber ( s ) provided to us. We 've attached a copy of our response letter.
My dispute to Wells Fargo 's response : 1 ) What next payment? I have no information on this loan from Wells Fargo, no documentation, no payment notice, no account number info or return address?
2 ) Their is no " Active Foreclosure '' as my home   was foreclosed on in   XXXX   XXXX   XXXX   by  Wells Fargo while I was going though their modification process? yet another false statement.      3 ) The erroneous account was absolutely not opened with my consent and therefore is not being reported accurately.
4 ) Wells did not try too hard to reach me as I called their POC    XXXX   XXXX  at the number provided  (   XXXX  ex  XXXX  ) within their canned   XXXX   XXXX   XXXX   letter to me in response to my complaint and left numerous messages and contact numbers?    5 ) If Wells Fargo does not wish to resolve this issues amicably then I will have no choice but to use this very loan that Wells claims i 'm responsible for to reopen my once settled Pick-A-Payment law suit and use every means at my disposal to ensure Wells is held responsible for their wrong doings and support of predatory lending practices.

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 2019-10-21
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This is regarding Navient. I also had a situation where upon completing medical school, I would have to annually set up my IBR and reapply for it. Every time I called them, I would be pushed by representatives to push my loans into forbearance. I am out and refinanced my loan since I didn't trust this lender. It was also very difficult to reach anyone regarding loans. I recall asking for sincere advice and now in retrospect, they acted to keep all loans going as long as possible. It was a horrible experience and I am so happy that this is being taken care of by the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX  My third time calling requested to have my card limit closed. They refused said the only option is to lower my limit. Representative never got me to a supervisor after requesting multiple times to apes know to a supervisor. I will never use this card interest rate is too high I 'm a senior citizen and fear risk. Please have them close this credit limit. The representative told me several times my credit card is closed and my balance is  XXXX  but refused to close credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: MA
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:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action.

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 2017-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
Good Afternoon, I have been a  XXXX  credit card client, since   XXXX  . I have been satisfied with their services and consider them a good company. I have made several attempt to clear a late payment on my credit bureau reports, which is incorrect.  XXXX  has been sending my correspondence to an undeliverable address, making any kind of attempts to further contact me, regarding my account. I have made several request to have this late payment reported in error, on all  XXXX  major credit bureau reports.  XXXX  has failed to comply with the Fair Credit Reporting Act, and has continuously promised to remove this blemish, not caused by me. I ask you please help me, in contacting   XXXX   regarding their unfair and devious tactics, that violate my rights as a consumer. They have a late payment In error and ask they please correct this matter and delete any and all negative items, the y have reported in error.     Thank you in advance, for all your assistance.

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 2020-04-22
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never even knew anything about that they are saying was mine. American Express hired a law firm to take it to court. This case was dismissed with prehudice on XX/XX/2020. Why is American Express sending me a email saying I missed a payment on XX/XX/2020 when the case has been settled and the account ( which was never mine to begin with ) has been closed? Please see attached images for my proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for a Capital One credit card- 'XXXX XXXX I read all the disclosures ; since I didn't want a cc with any fees. The disclosure didn't mention a 'membership fee '. I was Approved. Once I received the first payment ; there was a 'Membership Fee ' of {$95.00}. 
I called Capital One and they wouldn't waive the fee. They also said that they have the option to charge some customers the Fee and not charge others. I spoke to a Manager ; and he ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Bridgecrest Acceptance Corporation
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:
I HAVE REQUESTED THE PAYMENT INFORMATION FROM BOTH PARTIES ON XX/XX/2022 XXXX AND XXXX & BRIDGECREST FOR ALLEDGE NEGATIVE PAYMENT HISTORY AND NEVER RECIEVED THE INFORMATION AFTER NUMEROUS REQUEST HOWEVER ITS WAY PAST 30 DAYS FROM LAST LETTER, SO SINCE THE INFORMATION HASN'T BEEN RECEIVED AND THY 'RE REPORTING CURRENT ON A CLOSED ACCOUNT THE DEBT NEED TO BE DELETED ASAP. 

ACCOUNT INFO. 
XXXX XXXX XXXX Account XXXX BRIDGECREST Account XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: PA
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:
Action of dispute XXXX XXXX with Experian

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 2021-04-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, I was actually talking to a representative from Portfolio Recovery XXXX and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Mobiloans, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Over the course of the past year, I have been lent money from XXXX XXXX, which is an unlicensed lender in my state. I have been charged interest rates and other fees that are not legal in my state. I have overpaid my loan by over {$1000.00}. They are an usurious lender that is hiding behind the sovereignty of a tribal nation to avoid legal trouble, clearly.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
jcp peney had promotion on opening the card, its 35 % off i only got 10 %

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 2018-04-07
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have attempted several times to have my forbearance added back into my account as I was a student at XXXX XXXX college as well as XXXX University and therefore eligible for inschool deferment although I have sent documents to verify that I was a student Navient has not responded nor have they added back 18 months worth of in schools deferment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Loandepot de fied any wrong doing, but, demanding payment of late charges and late payment which we never have ever sinc e. Dishonest, manipulati on toward financial scams with illegal late charges and other deficiency activity to gouge us financially including insurance and tax after they were told I am tax-exemption, "   XXXX   XXXX    XXXX  veteran ''.  XXXX   XXXX   XXXX .  XXXX   XXXX  Veteran we end up sold our house, due to dishonest fraudulent activity they put us through since late  XXXX   XXXX   XXXX ,   XXXX   when our home was sold. We felt lots of  XXXX  and pressures from Loandepot 's dishonest services through-out those years I mention here-above. this aforementioned surely is n't healthy for us, but putting us under lots of unhealthy  XXXX   XXXX . To which my (  XXXX  ) classified & verified   XXXX   XXXX    XXXX  and among other VA medical history during my Military services does bothers me big time still. therefore, punitive damages and compensatory damages must award for the defendant 's negligence and egregious repetition of dishonest and consumer frauds ever since.     furthermore, our home sold on  XXXX   XXXX ,   XXXX  , and Loandepot still not refunding us money that they owed us : such payment made in advance for the month of  XXXX    XXXX  , interest, tax, and principle Sincerely :  XXXX ,  XXXX   XXXX  &  XXXX   ( wife  )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have been engaged in discussio ns with Conn 's  since  XXXX   XXXX  about the interest rate they incorrectly added to my account when I received an installment loan for furniture in  XXXX   XXXX . Conns ' contact has been very sporadic and they 've been caught in multiple lies. This business is operating unethically and I plan to address with the Texas Attorney General.     I am attaching a copy of an email from  XXXX   XXXX , dated  XXXX   XXXX ,  XXXX , which specifically states " We are in the process of adding the " cash-option '' to  XXXX   XXXX  's account.  XXXX   XXXX  has paid the account balance in full and will received a refund of any interest  she paid on the account. '' The bottom-line up front is, 1 ) it is not hard to calculate the amount of interest paid ( I estimate {$1200.00} ) ; 2 ) it 's been almost a month and Conn 's has yet to come through on their word. Conn 's continues to retaliate against me for filing a complaint with the Texas OCCC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: CITIBANK, N.A.
State: FL
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: Was not notified of investigation status or results

Complaint:
Good Afternoon, I have been  a MACYS cr edit card client, since   XXXX  . I have been sa tisfied with their services and consider them a good company. I have made several attempt to clear a late payment on my credit bureau reports, which is incorrect. Macys has been sending my correspondence to an undeliverable address, making any kind of attempts to further contact me, regarding my account. I have made several request to have this late payment reported in error, on all 3 major credit bureau reports. Macys has failed to comply with the Fair Credit Reporting Act, and has continuously promised to remove this blemish, not caused by me. I ask you please help me, in contacting MACYS regarding their unfair and devious tactics, that violate my rights as a consumer. They have a late payment In error and ask they please correct this matter and delete any and all negative items, the y have reported in error.      Thank you in advance, for all your assistance.

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 2017-04-26
Company: ALLY FINANCIAL INC.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I bought a used  XXXX   XXXX   XXXX   XXXX  from  XXXX   XXXX   XXXX  in  XXXX   XXXX , AL in  XXXX . The loan was financed wit h Ally Financial. I purchase d a mechanical warranty through  XXXX   XXXX  which was financed in my loan. The warranty was a lifetime warranty that covered bumper to bumper. I had all of the service and maintenance done at  XXXX   XXXX  from oil c hanges to tire rotation/balance to brake jobs. I recently had problems where the check engine light came on about 3 weeks ago and took the car into the dealership to be repaired. The vehicle was diagno sed as needing a water pump but it was not covered under the warranty because of the lack of maintenance which is false. I ended up spending over {$1000.00} for the repairs.

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 2017-04-26
Company: BMW Financial Services NA, LLC
State: CO
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:
BMW Finical Services  is reporting that payments of {$320.00} on the months of  XXXX ,  XXXX ,  XXXX , and  XXXX  all as being 30 day late.   A formal debt validation request was sent out to  BMW Finical Services on  the dates of   XXXX  ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  with no response.   Calls were also made in   XXXX   XXXX   XXXX   but I was told that they though they could see that the payments at that point were indeed not 30 days late there was nothing that they could do to help and that I would need to go through some other means to get the report removed from my credit report but could not give me the information on what that would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Comerica
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Comerica direct express fraud I called to dispute charges said I had 10 days to respond but they only sent a stop future payment letter and charges not reimburse causing me to lose rental.called back said they had to check serif dispute could be reopened pretty sure not first time fraud happened rarely can speak to person.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Had a lot of fraudulent charges on my capi tal one car d. They reversed the charges cancelled the card and issued me a ne w one  XXXX  separ ate times. Everytime within a month there are new fraudulent charges. They tell me the vendor can call them to get the new card number and they give it to them without any proof of said debt. They can not block the vendor nor can they contact the vendor to dispute charges or stop charges. So in short  XXXX  controls  capital one and they ca n't stop them. The supervisor even told me that they can not secure my credit information and my financial information with them is not secure. Why is this allowed or even legal that credit card companies can provide online vendors peoples credit info without any form of proof and are unable to  stop a vendor from placing fraudulent charges on peoples credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Velocity Portfolio Group
State: WA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My debt with XXXX was sent to XXXX debt collection services and both XXXX and myself agreed I would pay 6 payments of just over XXXX dollars each as full settlement of the debt. The day before I was set to make my final payment I was told that the debt had been " recalled '' and that I had to call XXXX. When I then called eaglevalley they admitted that all of this was true and that instead of one payment of XXXX left to settle the debt I now owed over XXXX dollars. I'm worried I'm being lied to and scammed. I was given an agreement to settle the debt and it is not being honored. I have emails to prove the settlement and payments. Now I'm recieving calls from a collection agency called velocity investments for what I believe is the same debt. the number of velocity investments is XXXX. I don't know how I'm supposed to believe yet another debt collector about this debt when the last one lied to me. Please help. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In  XXXX   XXXX , I sent JH Portfolio Debt Equities , LLC a letter to validate the debt that was being reported on my credit report, including original date account went delinquent and to send me all documents that they had in the file used to verify the accuracy of the account. I asked for a complete verification including, agreement with the client that granted authority to collect this alleged debt, date the alleged debt became payable, verification that the debt was sold to this collector and complete accounting of alleged debt. I did however, receive a letter dated  XXXX   XXXX ,  XXXX  from the company, not verifying any of the information, but acknowledging the dispute. The collection agency as seems to be re-aging the debt. My credit report reflects the company reporting the collection as opened in  XXXX  with no original delinquency date.

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 2017-04-26
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted Lvnv funding LLC several times in an attempt to get validation of debt. I never received anything validating the debt but yet the credit bureaus keep reporting that the debt comes back verified. The only communication I have received is an attempt to settle for  XXXX  instead of a full balance of {$310.00}.

Company response to consumer: Closed with explanation