BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment on X/X/17 in the amount of {$2200.00}. When I checked my account on the following business day I had noticed that the payment was still not posted to my account. I immediately contacted customer service for capital one. When I spoke to the representative they informed me that there will be a 5 day hold on this account because of the amount of payment has never been made from this account before. I asked them what does the amount of me paying my balance have to do with them placing a hold on my account. The represenative told me this was there policy. Then on X/X/17 I contacted capital one again because I noticed the money had been debited from checking account with my bank. I inquired why they had taken the money and still not updated my available credit line. The represenative once again told me that this is there policy and this would have to be verified through the bank. I asked them why they would debit my checking account and not make my credit line available. The represenative informed me that this would take 5 days to resolve and could not offer any other solutions. I feel there business practice is unfair and really should not treat good customers in this fashion. I was attempting to decrease my account balance and this is the treatment I received after being a loyal customer for the past 5 yrs. The  represenative was very eager to close my account and continued to ask me over and over again did I want to close the account. The represenative name was ( XXXX ). I told her that I really want to close this account but I am fully aware that closing a credit card decreases your credit rating. I would like to see my credit line available to me and never have to be treated and such a disrespectful fashion. The represenative even insinuated that this may be fraud and questioned if I was the actual account owner of the checking account. This was very insulting and humiliating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. 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 XXXX XXXX Systems 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. The original date of default and collection activity began 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 XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2017-07-31
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hunter Warfield is attempting to collect a debt in which I am not obligated to pay using incomplete and falsified documentation. I have been in contact with Hunter Warfield by phone for several months off and on as I am an XXXX XXXX service member and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX when all of this started. The initial circumstances leading up to XXXX XXXX attempting to incorrectly charge late fees and and change rent were while I was XXXX on XXXX XXXX XXXX and caused by a change in XXXX Ownership and management. During the change, XXXX changed website and cancelled my prearranged method of paying my bills. Due to circumstances relating to my XXXX XXXX service and XXXX status, it was incredibly difficult to login and pay rent owed. Additionally, XXXX began leaving notices on my door indicating impending eviction and harassing letters on my door even at my request not to do so because they were public and embarrassing. As a result of this situation, I arranged to have my belongings moved and gave 30 days notice. XXXX refused to remove erroneous fees from my account, so I calculated and paid what I owed them. Following my leaving, XXXX hired Hunter Warfield to collect the alleged debt. Hunter Warfield contacted me by phone some time following my XXXX in XX/XX/XXXX and alleged I was obligated to pay an unsubstantiated amount and insinuated if I did not pay the amount it wouldnegatively affect me in some way. I offered to pay what I owed in move out fees, but HunterWarfield refused payment. I also requested Hunter Warfield to provide documentation verifying debt  owed. Hunter Warfield responded nearly an entire year later in XX/XX/XXXX, while I was on my third XXXX during this dispute, with an electronically signed lease with handwritten figures and no signature pages. Upon my return to the US in XX/XX/XXXX and receipt of Hunter Warfield letter, I  then secured legal representation and had my lawyer write a letter to Hunter Warfield in an effort to resolve this matter. Hunter Warfield did not respond to attempted correspondence and reported false information to the credit reporting mechanisms. This situation has affect me financially and is now starting have some affect on my job and standing in the military.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-06
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have presented American Express with disclosure of concerns pertaining the fraudulent use of my account and identity theft. American Express has noted that an address that I did not authorized was associated with the account and confirmed that to this address a credit card was sent out. I reported that from the opening of the account, I have not received a card for my account. Further, the account was compromised and debits continue to be made to the account after having reported several times fraud as their department failed to prevent the unauthorized party to continue to make charges to the account. I have presented my concerns to several parties at American Express, and to this date there exists failure to address the concerns of fraud and identity theft appropriately. I have requested that the monies that were debited from the account as a result of fraud be credited to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: AES/PHEAA
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: Account status incorrect

Complaint:
During the time of my XXXX  from XX/XX/XXXX to XX/XX/XXXX the reporting agency has reported over 60 missed payments with my student loans. I was in XXXX  and due to my circumstances was unable to pay on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on a forbearance since the pandemic started due to my job shutting down. I have worked at another place but with the reduction in pay Ive struggled to pay all the bills. My morgage company was just doing emails with the forbearance extensions so that was a huge help. I just needed 1 more extension and I could begin to make payments as my job will be opening back up at the end of the year. On the month before my extension was set to expire I submitted an update to request another extension. As has been customary they said dont call and that it will be done via email. Well a month later I got a letter in the mail that I was late. About 2 days later I got the XXXX statement and it said I was still covered under forbearance so I didnt know what to believe. Then I called my mortgage company and they said I wasnt approved for an extension and that I would need to do another process than what I was doing even though they said my area was still in the zone for forbearance extensions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After reviewing my report I noticed fraudulent accounts reported on my credit history as well as false inquiries that I have no knowledge of. I am upset to know that my information has been accessed for things I did not consent to have and is now affecting my credit score. Please remove all negative reports and inquiries from my credit history as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
National Credit Systems is attempting to collect a debt for an apartment complex that I never lived in, nor have I ever been associated with. I am a victim of identity theft. A few years ago my office was broken into and several documents were stolen, including my social security card, driver 's license, passport, and bank cards. Several accounts were opened in my name and a fraud alert was placed on my credit file. No apartment lease should have been executed given the fraud alert on my credit file. I filed a police report with the XXXX Police Department after my office was broken into and have attached a certified copy of this police report to this complaint. I previously disputed this through the CFPB and the debt collector asked me to contact them outside of the CFPB portal so they can look up my account. 

For their reference, my account number is : XXXX Last four of social : XXXX DOB : XX/XX/1986

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was in college from XX/XX/XXXX until XX/XX/XXXX and during that time XXXX XXXX was charging me interest while I was currently in school. I sent transcripts on many different occasions yet my loan was still increasing. I began to pay on it until I realized that I should have to if I 'm actively in school. I asked for deferment while i was unemployed they agreed but turns out thet werent putting it on my account so my amount continued to increase. I then got re enrolled in school and have been in since XX/XX/XXXX and I get calls almost everyday about my loan and the amount goes up every month again while I am still actively in school. Have sent multiple transcripts to many emails and nothing is stopping the harrowing calls and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a mortgage with TD Bank. We have been working diligently to pay it off. From XXXX to XXXX I paid them {$7000.00}. I made the payments online exactly how I have for years. To my surprise in XXXX I showed as having a late payment. They had not correctly allocated the payments I made. They said it was all fixed yet couldn't provide me with detailed transaction statements to show that I was correctly credited and wasn't charged additional interest. 
On XX/XX/XXXX I transferred {$8500.00} from another bank directly to the mortgage loan. It showed they received it on XX/XX/XXXX. However, this money is sitting as " Misc Receipt '' since XX/XX/XXXX and they have not put it towards my loan. I am paying daily interest on this loan which should have been paid off last week. 

PLEASE ASSIST!! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Opened a credit card with Navy Federal Credit Union in XXXX, before entering XXXX XXXX in XXXX, and recently applied for protection under the Servicemember 's Civil Relief Act but was denied. I provided XXXX XXXX orders and a certificate from XXXX XXXX XXXX to verify dates of XXXX XXXX service from XXXX-XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Applied for secured Business credit card and getting the run around about the process

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax has been non-compliant with removing the unverified account XXXX  XXXX XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined thatXXXX   XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Webcollex, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted the credit bureau requesting verification of debt. They only responded verified with no other verification that the debt is factual. I then reached out to the collections agency asking for verification of debt. No one responded to me from the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Pinnacle Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX repeatedly calls my cell phone to collect a debt that I do not believe I owe. 
They also send constant mail. Supposedly this debt is from XXXX and was over 7 years ago. 
I have repeatedly told them it is not my debt by they have not produced any evidence that I actually owe this. 
Today on XX/XX/2018, at XXXX from XXXX they called me again on my cell phone. 
When I told the gentleman on the phone this is not my debt he got loud and aggressive with me. In a tone that can be construed as yelling, he accused me of making false claims and told me that this remain on my credit. 
He was clearly trying to bully me in to paying money I don't believe I owe. 
I once again requested that the phone calls cease and informed them once again that this is a cell phone. 
He again said " Fine! This can just sit on your credit then! '' I ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Comerica
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I recently opened an a checking and savings account with Comerica bank after not having been a customer for several years. They did not tell me at that time that there was a prior balance from my old account of {$220.00}. They did encourage me to apply for a secured credit card ( CD ) to help build my credit score so the next week, I went back in and applied for it with the required minimum security deposit of {$300.00}. The bank told me it could take 7-10 business days to make a decision. Comerica made its decision in 2-3 days and denied me the credit due to income to debt ratio and said my deposit would be refunded. I waited a few days for the refund but when it did not come, I called the bank. I was told it could take 10 days to refund and they would either refund my XXXX XXXX checking account or send me a paper check in the mail. I waited a few more days and still no deposit or check. I emailed the bank manager and she responded that I had owed the {$220.00} and it had been deducted from that deposit amount and the remainder sent to my Comerica savings account. At no point during this whole time did they ever once tell me I had a past due balance or that they would be deducting that amount from deposit. they also never asked me if I wanted any amount returned to the account from which it had been taken ( XXXX XXXX ) or to my Comerica account. I was completely blindsided by this and it feels very sneaky and unethical to not disclose a previous debt then encourage me to make that security deposit. They have never even explained to me what the debt was for. As far as I knew, I had paid that debt years ago when I closed the account. I believe they tricked me into making that security deposit in order to secure funds for that debt. I had the money to pay the debt but they never asked me about and I had to go to great lengths to even get a straight answer from them about this. If they allowed me to open the account knowing I had an unpaid debt only to secure those funds then this is highly fraudulent and unethical. I was trying to rebuild my credit but now I have another mark against my credit for the hard inquiry for the secured credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-18
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I went to go pay my Walmart credit card bill of XX/XX/XXXX a day early than what I was suppose to, when I went to make a payment instead of typing in the correct amount of {$1000.00} she typed in {$12000.00} which was NOT my payment, so I called my bank to cancel the check so they wouldn't take {$12000.00} out of my checking account. They said they would get it all cleared up well I called a few days later to see and they had not gotten it cleared at all, they told me my remaining balance was {$13000.00} dollars so on top of adding the difference between {$1000.00} and {$12000.00} they added a late charge for me not paying my bill on time when I tried to pay it early. It has been a month and nothing has been done but they told me they had lowered my credit limit and that this could effect my credit score. I just want them to accept my payment of what I owed and clear out the charges that THEY added to my card and they said that they only had one person who could fix it in the whole company.

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 2022-10-04
Company: Phoenix Financial Services LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
END OF XX/XX/2022, PHOENIX FINANCIAL XXXX MY MEDICAL INFORMATION WITHOUT MY CONSENT THEY PUT A BAD MARK ON MY CREDIT REPORT

Company response to consumer: Closed with explanation