BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022, I filed a complaint ( XXXX ) against XXXX XXXX XXXX with the Consumer Financial Protection Bureau XXXX The complaint stated, " On XX/XX/2022, XXXX XXXX XXXX -- XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX  accessed my XXXX Credit Report purportedly under the guise of " servicing my account. '' I have no account with XXXX XXXX XXXX. 
I suspect what occurred to me is a regular practice of XXXX XXXX XXXX. Clearly, charges, either of a criminal or, at the minimum, civil nature are warranted. Furthermore, XXXX XXXX XXXX must not be allowed to purport to any entity, including credit reporting agencies such as XXXX, that it has a business relationship with me of any kind that would meet any required jurisdictional parameters. '' XXXX XXXX XXXX responded by stating, " On XX/XX/2022, there was an account placed by Navient Solutions , LLC ( Navient ) with XXXX for collection. You were listed as the party responsible for the account. XXXX does not own the account but was attempting to collect the account on behalf of Navient. Navient contracted with XXXX as a Third-Party Collection agency for the purpose of collecting the above-mentioned account. Any actions taken by XXXX were in connection with proper attempts to collect the account. However, XXXX did not report this account to the credit bureau. On XX/XX/2022, the account was returned to Navient. If you have any questions regarding the account, please contact Navient at XXXX. We apologize for any inconvenience you may have experienced, and hope this brings this matter to a conclusion. '' I already in the past have addressed a complaint against Navient 's methodologies and its purported jurisdiction to be attempting to collect any debt from me. So, clearly, what Navient has chosen to do, also in retaliation, is direct the same purported debt to an outside party, XXXX XXXX XXXX most recently, to aggresively engage me while Navient pretends to sit out the sidelines with clean hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
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:
XXXX   XXXX   XXXX , is currently reporting a charged-off account that I am no longer responsible for. This company has failed to provide me with documentation, that I am responsible for this debt and this company is reporting information that is currently past the 7 year reporting period to all  XXXX  credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
It has been explained to me by all three credit reporting agencies, that they do not work for constituents ... they work for creditors. Their goal is to make one 's credit scores lower, so that the creditors can charge higher rates. 

I have two legittimate loan which have been paid to a company. I have submitted Notarized statements of the significant payments and closure of accounts. Theese belong on my credit reports.

All three have refused to place these on my credit reports for " your creditor is not one of our paying Partners '', They are intentionally keeping significant information of large credit accounts paid in full ( and early ) in order to help their real clients, the creditors to charge larger interest rates. 

I demand they place the attached in my file as positive creditor Activity.

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 2021-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021, I SENT TRANSUNION A LETTER REQUESTING THE INACCURATE ITEMS BE DELETED FROM MY CREDIT REPORT AND I HAVEN'T HEARD FROM THEM CONCERNING THIS INVESTIGATION .THIS IS CAUSING ME HARM AND XXXX AND I WILL LIKE FOR IT TO BE DESOLVED. I HAVE ATTACH A COPY OF THE LETTER FOR YOUR REFERENCE.

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 2021-10-22
Company: JPMORGAN CHASE & CO.
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:
I have been a victim of credit card fraud and a flawed review of the issue. 

Foreign high dollar transactions were made on my credit card : XXXX XXXX {$4900.00} ; XXXX XXXX {$3000.00} I was not aware of these fraud transactions. According to the company these transactions were approved by text messages. 
On XXXX XXXX, I received a call from the company with concerns regarding these high dollar transactions. However, I could not speak with the company representative at that time and called the next day to follow-up. The company sent me an email later that day that they were researching my fraud claim. I would point out that I did not make the claim as I was not aware of the fraud attempts, the concerns originated with the company. 
On XX/XX/XXXX I called and confirmed that the transactions of concern were, in fact, fraud. That should have stopped the transactions from moving forward. That did not happen. 
I continued to follow-up with the company fraud department and then I escalated this issue to the company executive offices as the fraud department resolved that the charges were my responsibility based on the text messages. I did receive follow-up calls from the company executive offices, but again was told this could not move forward. I would point out that follow-up with the company executive offices took two months, multiple phone calls and emails from me and two Team Managers before I received a follow-up response. 
Again, I would emphasize that despite the company claiming to receive text authorizations they remained concerned that these transactions were fraudulent and called me for confirmation. And, again, I confirmed that this was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: LEXISNEXIS
State: PA
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:
LexisNexis used a database to fish out negative information on me, the consumer and sold this negative information to other consumer reporting agencies without my consent ( Chapter XXXX Bankruptcy filed XX/XX/2017 ). This is a direct infringement upon my right as a consumer to privacy. LexisNexis also did not have a permissible purpose, nor did they have written instruction to do so. I have sent a letter via certified mail to LexisNexis advising of the following violations, and I have asked them to cease and desist of these actions immediately.

1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction Please see the attached certified mail receipt, along with proof of delivery and the letter sent to LexisNexis XXXX 

Thank you in advance for your time and assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
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 VA Mortgage loan was in active forbearance pursuant to CARES Act but was reported 120 plus days delinquent.

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 2017-04-27
Company: ALLY FINANCIAL 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:
Ally Bank Auto,  is currently reporting a charged-off account that I am no longer responsible for. This company has failed to provide me with documentation, that I am responsible for this debt and this company is reporting information that is currently past the 7 year reporting period to all  XXXX  credit bureaus.

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 2017-04-27
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On  XXXX   XXXX ,   2017   I had transferred {$5100.00} from my checking into my Diamond Preferred  Citibank MasterCard   XXXX  without knowing that there was a limit to my spending on it, so I was n't able to make the purchase I wanted at the end of the day. So I had called and requested for the amount to be transferred back into my checking account on the same day. After a couple business days I called again to check, and they put an investigation on it. After another couple business days I called for the 3rd time, and was greeted by a rude telephone operator from Maryland that had been condescending  and unhelpful to say the least. So I went to a Citibank branch and had a helpful teller help call and contact a manager on the other end, who had given a 4-5 business day duration for the funds to be back in my checking account. As of today, it still has yet to transferred! Is n't it illegal to retain funds for more than 24 hours? What more this?

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 2023-02-02
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello! 

In XXXX 2022, I made several disputes against XXXX XXXX XXXX due to breach of contract. You decided most the cases in my favor except for two. When i inquired about it, the reps could not explain why. The payments that were decided in the sellers favor were parts of the payments that were decided in my favor. I submitted proof of merchant not having license while he was performing the work and the defective half way done work that he did. However you still claimed that i did not provide proof of due credit. I would like for the cases to be reopened. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-22
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING INQUIRIES ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: EOS Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
EOS CCA ( XXXX XXXX XXXX, XXXX, MA, XXXX ) is trying to collect {$220.00} from XXXX. 

History with XXXX XXXX I cancelled service with XXXX XXXX in XXXX of 2018. I used their prepaid label to mail back the modem. I confirmed my account was closed and had no further payments. I received a disconnection confirmation number. I never received another bill from XXXX XXXX. 2 years later, I received creditor letters saying I owe {$220.00} to XXXX XXXX. The mail is coming from EOS CCA. XXXX has confirmed with me multiple times that I do not owe anything. I have recorded conversations and emails. EOS CCA is a fraudulent debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
On XX/XX/2021, a FRAUDULENT TRANSACTION posted to my account : XXXX XXXX Other ... XXXX {$580.00}. 

I did not authorize a XXXX transaction with that merchant on that day or on any other day. 

This FRAUD was immediately reported to Capital One. The Capital One agent stated on a recorded line that a FRAUD REPORT had been completed and that new credit cards had to be sent to me as well as to my authorized users. I was also told by the Capital One agent on a recorded line that there would be NO MORE FRAUD allowed on this account by this merchant and that in no way would the amount be charged to the account again. 

Despite those assurances by Capital One, the FRAUDULENT transaction of {$580.00} again posted to my account. This time as a " purchase adjustment. '' I immediately called Capital One the moment that I discovered it. I was told by Capital One " FRAUD Transaction Agent '' XXXX that the reason for this is that the previous Capital One representative mistakenly filed my complaint as a " dispute report '' instead of as a " FRAUD report. '' This is very disconcerting as I was previously told by Capital One on a recorded line that. FRAUD report had been filed and that was the very reason that all of the credit cards associated with this account had to be replaced. 

XXXX then transferred me to XXXX a FRAUD Investigative Specialist who told me that this time, they would have the month-old FRAUD claim processed properly. When I asked if Capital One would be FRAUDULENTLY reporting s {$580.00} balance to the credit bureaus, she responded, Yes, Sir. 

When I asked how long the {$580.00} credit would take to post she responded, It might take a while. This response was entirely unacceptable. I asked to be transferred to someone in charge. After a long wait, XXXX, her manager told me that the credit would post in 2-3 business days. 

This is the same thing I was told over a month ago when I was also told that no purchase adjustment would ever appear on this account and no additional FRAUDULENT charges would appear either. This has not been the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: CITIBANK, N.A.
State: MI
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:
After roughly 25 years with CitiBank, I carried a high balance for a majority of the time I was with Citi. I paid tons of interest, and finally finally got my balance down. I have paid with money orders since the very beginning with CitiBank, all while sharing this account with three other family members. We had four different cards, all with the same account number. Individually, we made our big purchases using this account and would gather all of our money together in a money order to make payments. All of our accounts were in GREAT standing, and without any warning, all of our accounts were terminated and our rebates ( {$3600.00} ) was also terminated - NO WARNING!

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 2021-10-22
Company: CAPITAL CENTER LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The Company CAPCENTER MORTGAGE NMLS # XXXX is advertising on the internet ( https : //capcenter.com ) and heavily on the radio ( and possibly television ) that their mortgages have " ZERO CLOSING COSTS. '' This is untrue. All Mortgages have Closing Costs. They are using Lender Credits to pay for a consumer 's closing costs. Their own fine print explains this but not prominently. The radio ads ignore this altogether.

Those Lender Credits are offered in exchange for a higher interest rate than a consumer would otherwise pay if that consumer paid his or her own closing costs or " rolled them in '' to their new mortgage. They never mention this fact but for the fine print.

This highly deceptive type of advertising is a direct violation of 12CFR1014 among other statutes. It is a violation of UDAAP. It needs to be investigated and the company ordered to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
In XXXX I move out off apartment that I was renting. 
Deposit of {$500.00} was in question when I left the property. 

XXXX XXXX sends this account to collection, without notification. 

The only balance was left was {$500.00} prorate rent for XX/XX/XXXX, but they did not return my deposit. 

My balance was at the time {$500.00} to XXXX XXXX apartments In XXXX XXXX, CA. 

Last year trying to build credit, lender run my credit and shows a balance of {$2000.00}. 

I request the credit companies a validation of the account to find out : -How they came up to this balance? From {$500.00} to $ XXXX-I offer a Settlement-I offer a payment plan with something in paper to reflect this agreement. 

They came back with, I had to pay or there attorney will proceed ; know collection calls asking me to pay full balance. 
When account was Charge off. Status of Limitation was check in California is 2 year. 
I started contact ; I initiated conversation and XXXX call. 
I submit a request to the credit bureaus but, they only send me a charge statement from this Agency. 

Company failure to comply with : -break down of fees-copies of the original contract-provided name or manes of account ( Attorney ) - Harassing me with calls- Company failure to comply with copies of records within 30 days. 
-refuse to work with me-damage my credit - reporting account I was not informed I had. 

Please see attached documents I have send to credit companies. 
Please, know I am asking for deletion of the account. 
This collection had created a financial impact in my credit for many years. 
Not able to obtain credit, not employment. 
Creating, : Stress, fair, and emotional stress that have affected the stability and peace on my family. 

Thank you!! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: FREEDOM FINANCIAL NETWORK
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
on Friday, XX/XX/2021 I received yet another notification from Freedom debt relief stating they are unable to negotiate a debt because of inaccurate information. 

Freedom Debt Relief has been handling both my dad and my debts for a little over two years now. most of the time they wait till there are funds in the account to negotiate with the creditors. But those debts have been either written off by the original creditor and placed into collections. Now I know the debt collectors have bought the debts from the original credit for pennies on the dollar. I feel they have not kept their end of the deal on several occasions now and act as if they are saving us money but in fact, negotiating with a debt collector instead of the original creditor was not our arrangement. when we contact customer service e are given the runaround and then are contacted by a reputation manager who has verified that were have been misled when they claim they can not do anything without the proper account information. How are we to know what the account information is with the debt collector they are supposed to be on top of those things and after two years we have not gotten anything pertaining to any debts. In my opinion, this is all a breach of contract for the mere fact that when we agreed to let them handle this business we were under the impression that they would handle everything yet when I have previously filed a complaint they try to get us to accept a loan from their sister company to resolve the debts I am not comfortable taking out more loans to pay off these debts when they are supposed to negotiate settlements. That sounds like a nice hustle to me. please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: ALLY FINANCIAL INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XXXX XXXX I the consumer XXXX XXXX went to XXXX XXXX in XXXX, Pa where I entered A consumer credit transaction. I was then extended my credit through ally bank to purchase a XXXX  XXXX XXXX. After this transaction was made with my credit card or social security number which paid for this transaction without I the consumer to assume any liability pursuant to 18 USC 8, I began receiving billing statements requiring me to pay an alleged debt that I did not owe. Pursuant to 15 usc 1666 ( b ) this is a billing error. The billing amounts reflect a positive balance in which they are saying I owe but it is unlawful to pay on a positive balance. Pursuant to 15 USC 1692 ( e ) This is false and misleading. Adverse and threatening action was then taken against me for this alleged debt. My vehicle was repossessed by an unauthorized third party, in which it was never in their possession nor did they own it which is theft, all without my consent or prior knowledge. They also sent documentary evidence confirming this adverse action against 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