BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-26
Company: Novea Portfolio Management LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XXXX/XXXX/XXXX I received a call while at work from an unidentified person claiming a loan needed to be paid on that day otherwise there would be consequences beyond her control which I would be responsible for. 
While on my lunch break, I received a text stating that my roommate received a call stating that police officers were at our residence ready to arrest me for passing bad checks. I immediately called my bank and asked them to freeze the account, and also called the police department only to find out from the dispatcher that they needed the officers name and badge number in order to expedite the call. I took off from work so that I could get more information. I contacted my roommate and he stated he received a call that police were outside our house and when he called the number, he was given further details that I had passed bad checks and the police were going to arrest me. My roommate did not pretend to be me, yet he was given the information as if he were privileged to know my personal business. I received a call the next day by a person claiming to represent loanme and was also informed that she had contacted my son, my exhusband, my work, and my landlord in addition to my roommate, all of whose numbers were not released to them by me. I did n't even know my roommates number until the day before. She again threatened me that they needed an answer today otherwise they were calling the police back to my residence to arrest me. I repeatedly told her that I could not afford to pay and that I had n't even paid rent. She assured me that it was not personal, and she empathized but persisted that payment needed to be arranged otherwise I would go to jail for writing XXXX bad checks and based upon the information she had and her knowledge of the laws in the state of California that I would definitely be serving time unless I could afford a good lawyer, but I would still be in debted to the lawyers fees, court fees, and the debt as well as jail time, therefore rent would no longer be as important as securing my freedom. Under extreme duress I agreed to have the money taken out of my account, but after contemplation, if I do n't even have the money to pay, how does this free me from NOT defrauding them? Your representative 's solution appeared to bait me in to serving time in prison as well as getting into further debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06
Company: Meridian Financial Services, 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: Reporting company used your report improperly

Complaint:
This account with XXXX is in dispute, the collection agency has been notified twice by registered mail that the account is in dispute. It was my understanding that the collection agency was barred from reporting the account to credit reporting agencies while an account is in dispute per Missouri State law. As you can see, I have excellent credit and none of this would have happened if XXXX XXXX had lived up to their agreement with me. I have retained the services of XXXX XXXX XXXX, XXXX XXXX, Mo. They have identified several incidents of fraudulent activity by XXXX against us.

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 2021-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened up a checking bank account with Bank of America online with one of there representatives doing it for me on the phone. In saying so I opened the account to cash my second stimulus check back on XXXX XXXX. Im saying so my account got fraud at no expense of my own but theres. Everything matched up and they even sent the check through and it cleared the same day before my account was shut down. I went to the bank the same day and talked to them and even opened a new account because the funds was suppose to be transferred to the new account the following day. That never happened And even sent a check out to me without my permission and without me knowing. I havent got that check because of that snow storm that hit XXXX, ok in XXXX. So now they are saying I have to wait 120 days to get my stimulus check in which they arent supposed to hold.Ive been calling them every since then and get a different answer every time anyway to sue them this is hurting me and my family. 700 $ they got of mine.

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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Currently there are no open disputes with TransUnion that prevents me from accessing my credit report online. 
However, I am required to call or mail a request to view my report. 
This is in violation of their policies that require them to enable online access to consumers.

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 2022-09-06
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Selene Finance failed to make my insuracne payment despite monies for insurance payments being made into escrow account. Upon renewal day for my insurace I recieved a call from insurance company that my policy was being canceled. I had to pay {$10000.00} on the spot to aviod cancelation. There is currently over {$16000.00} in my esrow account with my taxes due in XXXX being around {$7000.00} XX/XX/22 - spend 4 hours on the phone with Selene only to be told nothing could be done XXXX - spend 3 hours on phone with Selene to be told that in fact I was corrent, insurane was actually escrowed XX/XX/22 - recieve voice mail from selene stating " information has been updated and we will make your payment for you next year '' XX/XX/22 - Call Selene to ask about getting refund for extra escrow money being held. Unable to get anyone helpful on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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: Information belongs to someone else

Complaint:
XXXX is reporting a negative balance that I do no not have for {$74.00}. I have included a dispute ; letter detailing.

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 2021-04-19
Company: Navient Solutions, LLC.
State: KY
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:
I have been getting scammed by XXXX  This is through Navient who claim to work through the Department of Education, they have a contact number of XXXX. I have been believing I have been making payments for my student debit and have come to find out through XXXX that I have not made a single payment. I've have already contacted the bank and they are putting a stop to the payments, but I wanted to make you aware that Navient send out paperwork through the mail and had me fill out the IDR plan request that XXXX has and has a account number for me and everything that is not real. Navient sent me paperwork days before XXXX did and makung me believe they are the first steps before XXXX, which I have come to found out isn't true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Data-Central, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I never got info on what company i owed through collections and the account was opened with central banking services XX/XX/2021 2021

Company response to consumer: Untimely response
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: NJ
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 called Equifax today and sent dispute letter ( s ) with a police report dated XX/XX/22 in regards to this matter. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Experian Information Solutions Inc.
State: MD
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 submitted proof from the bankruptcy court that they did not provide the information to the credit bureaus. I have submitted this information for 6 months and not getting any results.

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 2021-05-05
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Approximately two weeks ago I mailed a personal check for {$700.00} to my daughter who lives in XXXX, Texas, for her birthday. I live in XXXX XXXX, Texas. Later, my daughter informed me that my bank, XXXX XXXX XXXX XXXX XXXX ( XXXX ), did not have any branches in XXXX and that she was forced to cash the check at an Ace Cash Express. A couple of days later, while checking my online banking portal, I found that the check had been paid twice out of my account. I notified my bank and they reversed one of the charges. However on XX/XX/2021, at approximately XXXX XXXX, I received a call from a representative of Ace Cash Express ( ( XXXX XXXX XXXX ) demanding that I pay them {$700.00} because they had paid the check twice. When I informed the representative that I had no control over how they have managed their affairs, the person insisted that I was responsible and demanded that I pay Ace Cash Express {$700.00} and began threatening me with repercussions relative to my credit standing. I spoke with an XXXX representative who suggested that I am not responsible or liable because I never used any Ace Cash Express services. Now, XXXX XXXX XXXX XXXX XXXX ), as a representative of the Ace Cash Express debt collection department, has mailed me a demand for payment of {$730.00} when I do not owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2018, Capital One sold my mortgage and my HELOC to two different loan servicing companies. In XXXX, I received 1098 tax forms from both loan servicing companies. However, these only reflect one month 's worth of interest payments. Capital One has not provided XXXX forms for the 11 months that they were my  loan service provider. I looked online for my tax forms and they were not available. I called Capital One customer service and they said that " Capital One has chosen to exit the mortgage loan servicing business '' ( yes, I knew that already ). They said that I could write to the former address to which my loan payments were sent but they expressed doubt that they were required to send me any tax forms. I can not seem to find a human at Capital One who thinks it is their job to send me the tax forms that are required..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: United Collection Service, Inc (FL)
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent multiple, certified letters for the company to send me other information than a bill printed off of their computer stating that I owe {$780.00} and that they demand payment now. They refuse to send me : *A validation letter *A written contract with my hand written signature on it, that includes date, amount and all of the detailed information showing that I received or agreed to receive any services. 

*Proof they are licensed to collect in my state *Provide me with their license numbers and registered agents The only thing they continue to send are letters demanding payment or they will report the bill to the credit bureaus. 

I have receipts from USPS showing that they have received my letters requesting the information that I am entitled to under the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2019-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I initially called on XX/XX/2019 to inquire because I was not allowed to make transfers from the account or pay bills. They told me the account had been closed for over thirty days. I was never notified of this. And beyond that, the account was still accepting and notifying me via emails of accepted deposits indicating that the " funds were successfully deposited and would be available on XX date. '' ( over 6 deposits were accepted ). I have all of these emails from multiple deposits. I was never able to access these funds and it's now been over 18 days since I started this process of getting my funds -- and I still can not access my business funds. They initially told me to file new paperwork to change the business address as they couldn't send my funds to a personal address. I am a single member XXXX so that doesn't seem right, but I obliged. I've sent that same form multiple times ( over four times ). Each time I call about it I get a different reason why it hasn't been viewed, i.e. " we are still reviewing forms from XX date ( usually a date over 2 weeks prior ), and when we get to it -- it will then be 7-10 days until we can process. '' I was told last week that " it wasn't legible '' ( although I could clearly read it from the same email attachment ), and so I sent it again in a PDF form which they requested. Here we are yet again over 7 days later and no response, account still showing open online, and my funds have not been moved from the account. I'm a small business owner and I can not live, can not pay bills, can not pay clients with all my money tied up in Capital One Spark Business site. Right now I've been on hold since XXXX, and it's XXXX now. Still on hold. This is every time you call. And when you do get somebody on the line they have an excuse or another reason that it's going to take an additional 7-10 days to even get something reviewed. I can not wait any longer. I need to pay bills and my other account is now experiencing fees from overdrafts, negative experiences with clients that are not able to be paid, inability to keep trade services on which is how I run my day to day business, etc. So I'm out additional monies on top of the funds they are holding of my business and clients. I filed a complaint with the FDIC and they referred me to you. I'm just hoping someone will help me. I'm in an extremely bad situation and I don't know what recourse I have. Thank you. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'VE CONTACTED ALL 3 BUREAUS AND XXXX XXXX XXXX AND ENHANCED RECOVERY/XXXX TO VERIFY THIS DEBT ATTACHED TO MY CREDIT REPORTS AN NO SIGNATURE NOR CONTRACT WAS PROVIDED TO ME. THESE 2 DEBTS HAVE BEEN REMOVED SEVERAL TIMES FROM MY REPORTS ONLY TO BE PLACED BACK ON MY REPORTS WITHOUT NOTIFYING ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: AR
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2017-06-24
Company: NAVY FEDERAL CREDIT UNION
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX of 2015, I was asked to be a co-signer on a personal loan. After applying I was never notified or made aware of the payment or interest rate by the bank or the borrower to make a decision on whether I wanted to accept the terms and agreement and move forward with the loan. Upon finding out that the loan was actually taken out and I was a co-signer, I contacted the borrower and he advised he accepted the loan terms without my knowledge. I then contacted Navy Federal Credit Union and was advised I needed to sign the promissory note. In which I advised I was unaware of the loan and would not agree to sign it. I then made an attempt to contact the credit bureau to dispute it off of my credit report and it remained. On XX/XX/XXXX, I contacted Navy Federal again and was told that the promissory note was not signed and they did not need one to distribute the loan. Whenever you take out a loan the law requires you whether borrow or cosigner to sign the document which signifies your agreement to repay the money. In this case there is no agreement ( signed promissory ) advising that I accepted the responsibility of cosigning the loan with a payment of {$630.00} a month and an interest rate if 17.950 % for 60 months which is ridiculous. With this tells me is, if a person apply or in my case cosign a loan, I am a not provided with an agreement outlining the terms and conditions ( interest/payment ) and giving the opportunity to say either yes I agree with it or not I do n't. Which in this case I would not have agreed to it. I have not seen a promissory note nor does Navy Federal have a signed one on file with my signature agreeing to these terms. So essentially the process is - cosign a loan, provide no documents to cosigner to review and sign agreeing to the terms, just distribute the loan without the cosigner knowledge. If this is the process for Navy Federal Credit Union it is misleading and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation