BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-08
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
CBNA Potentially Negative potentially negative icon show account button Account NameCBNA Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. 
Status UpdatedXX/XX/XXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Credit Limit {$250.00} Highest Balance {$580.00} Terms NA Payment History LEGEND3030 Days Past DueCLSClosed XX/XX/XXXX Reported annual fee past due. Negative credit in XX/XX/XXXX. 
Called CBNA to report deceptive practice from Best Buy Sales Person and cancelled card. 

Was buying TV and sales person said TV would be a little cheaper by signing up with Best Buy Card. I asked specifically if there was an annual fee because I don't do cards with annual fees. They told me there was not. So signed up for card. Bought TV with reduced priced. 
Paid bill for TV. Then just put the card out of my mind because I hardly ever go to Best Buy. 

Found out I had a negative score in XX/XX/XXXX. Called the credit card company. Found out I had the negative score because of a missed annual fee payment. I then told them my story and told them to cancel the card because I was lied to and that I believed my negative score should be struck because the reason I had the missed payment was because I didn't even know I had an annual fee. I never bothered with paying attention to the Best Buy card after I paid off the TV. 

The sales person at Best Buy flat out lied to me. So I still strongly believe that that negative hit on my credit report should be removed because of deceptive practices conducted by Best Buy employee.

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 2019-05-15
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
The loan was issued to someone else fraudulently with my information. I tried on numerous occasion to get them to investigate the issue and send me the report to file a police report but they claimed that they did however, it was never received. The loan was taken out during my XXXX overseas

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Security Credit Services, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI Security Credit Services ; Im confused and XXXX  and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: BB&T CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I signed up for automatic payments to be deducted from my bank account. I received a confirmation email on XX/XX/18 that this had been established and nothing else would be necessary. Some time later ( in XX/XX/XXXX ) I found out that the XX/XX/XXXX and XX/XX/XXXX payments had not been withdrawn and that my account was delinquent. I made both payments at that time. My credit report now shows missed payments with a significant impact on my credit score. 

When I contacted the bank they suggested I send a letter to a P.O.   explaining the problem. Which I did.

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 2022-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Dear Sir or Madam : The purpose of this complaint is that my bank, Capital One has been very unresponsive to my inquiries and complaints. This is either because I am dealing with very stupid people, or because Capital One likes to violate Federal law. 

Let me start writing this complaint from the beginning. During late XXXX I applied for a credit line increase from Capital One. It was my fourth request. All of my requests were declined. Capital Ones XXXX declination letter dated XX/XX/2021 is attached as Attachment XXXX XXXX XXXX. I decided to respond to this complaint and a copy of my response dated XX/XX/2021 is attached as Attachment XXXX, XXXX pages. My response is so clear and concise that even a XXXX XXXX XXXX could understand it. 

Capital One responded to my letter with a response dated XX/XX/2021. This response was made on their website as Capital One is too lazy to respond to my letter by mail, like I did with mine. Capital One titled their letter Generic Prefill Letter, which on its face sounds like an insult to me. Now I am very angry. A copy of Capital Ones response is attached as Attachment 3. As the reader will easily see, Capital Ones response to my letter is totally unresponsive to my letter dated XX/XX/2021. What kind of people am I dealing with here? 

I responded to Capital Ones XX/XX/XXXX letter with another response dated XX/XX/2021. A copy of that letter is attached as Attachment XXXX. I made sure that I conveyed that I was angry with Capital Ones last response. I also conveyed that I thought Capital Ones response was highly insulting to me. In my response I gave Capital One XXXX business days to respond to my original concerns or I would escalate the matter to the CFPB. Capital One responded on XX/XX/2021, clearly outside of the XXXX day limit I gave them. A copy of Capital Ones XX/XX/XXXX response is attached as Attachment XXXX. 

Again Capital Ones response was totally unresponsive to my concerns and basically Capital One had no understanding of what I was talking about. I think this is an important point. The reader of this complaint will note that on each one of Capital Ones letters they point to a case number that I also noted in my XX/XX/XXXX response. That case number is XXXX. Capital One is clearly tracking my file, but claims they have no idea of what I am talking about. I think that this point to stupidity on the part of Capital One. Capital One is very good at collecting money and little else. I am asking the CFPB to take sanctions against Capital One for their conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Executive Response Unit XXXX XXXX  XXXX XXXX XXXX, SD XXXX Dear Citi Bank, I'm writing and inquiring the recent closure of my Citi Bank Credit Cards. On XX/XX/2019 I found that all my Citi Bank Credit Cards were closed for unknown reasons. For your information, card # XXXX XXXX XXXX XXXX. 
I have been Citi Bank customers for over 10+ years and never made a late payment. My Credit Scores are 800+. I would like to understand the reasons that have triggered closure of all my credit cards. I believe this must have been mistake on Citi 's end, and would need Citi to rectify this error immediately.

I demand Citi to issue me all my un-redeem cash back immediately. I also request Citi to re-evaluate my closure. 
I thank you for your time and reconsideration and I hope to hear back from you soon. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-15
Company: FIRST NATIONAL BANK OF OMAHA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I attempted to use my XXXX credit card at XXXX on XX/XX/19 around XXXX. It was repeatedly declined, so I contacted customer service. The representative told me that my account had been suspended without notice prior to such action, or even the possibility of such 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 2019-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I leased a car from XXXX XXXX in XXXX. I was in an accident on Tuesday XX/XX/2019 and my car was totaled. I was 0 % at fault. XXXX was notified within a day of the accident and immediately closed my account. I personally contacted them to make them aware of the accident, too. XXXX was sure to let me know that I did not have any missed payments on the car. My insurance was handling the financial part of reimbursement to XXXX ( XXXX XXXX XXXX ).  I was working with multiple people, but one woman 's name was XXXX XXXX. Her contact was XXXX. The claim was completed immediately after the accident. When I went to purchase a new vehicle, I found out that my credit score had dropped significantly. I looked and saw a delinquency charge from XXXX just 2 and a half weeks after the accident. I was never notified of this charge by XXXX, either by mail or phone. I called my bank and asked them what the charge was from, and they said that XXXX submitted a delinquency charge against me on XX/XX/XXXX, only about 3 weeks after the accident. I do know that XXXX received their check from my insurance company on XX/XX/XXXX paying entirely for the totaled lease vehicle. XXXX was no help at all in this matter - and sent me on a wild goose chase which costed me hours of my time. I now can not finance or lease a new car due to this drop in credit resulting from a wrongful delinquency charge by 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 2021-02-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Account number ending in : XXXX Wells Fargo case number : XXXX. The XXXX XXXX XXXX XXXX XXXX accounts that you may be responding to, were not being reported by XXXX  nor XXXX  XXXX however it appears XXXX XXXX was reporting to XXXX  only. It turns out these accounts were duplicates, paid and have been removed. See upload. These reporting 's were being reported in error. Now I kindly ask that you restore my credit line back ... AND NO I WILL NOT REQUEST FOR AN INCREASE.

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 2019-05-15
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and XXXX have been paid and are incorrectly showing which is harming my credit report. Also XXXX XXXX is showing incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Credit Corp Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received several phone calls from what has appeared to be local numbers. No Caller ID was ever provided, and attempts to call back come back with disconnected numbers. At XXXX XXXX today, XX/XX/2019, I was finally able to answer a call live, and a representative from Credit Corp Solutions asked for a person other than myself. I repeatedly asked her to please remove my number, and she claimed that she did after basically arguing with me. At XXXX XXXX I received another call from a local number that I missed. At XXXX XXXX, i received yet another call from the SAME company. Credit Corp Solutions was advised to not contact a 3rd party ( myself ) again, and did so not once but twice. I spoke with a supervisor there - named XXXX, who assured me that my number was removed, but could not explain why I received two more calls. 
In reviewing your database of complaints, it appears that this company does this repeatedly to consumers. 
They have over 100 complaints filed against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
did a wire transfer from Bank of America XXXX to XXXX XXXX. XXXX. 
its been two weeks and recipient still does not have the money credited to their account. 
Contacted Bank of America Wireroom to track it. it turns out the funds were held up for a week at an intermediate bank, XXXX finally released to XXXX. I contacted Bank of America Disputes department an asked for the transaction to be cancelled. He told me once the money reaches the other bank, they can only request the money back, and that doesn't always work. it's unbelievable that these banks can do this with my money and I basically have no recourse

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 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

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 2020-08-01
Company: Santander Consumer USA 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have all my accounts in good standing, however the reporting does not look accurate therefore my Family and i we are stuck and can not embrace any growth opportunity. 
I need those BAD REPORT to be REMOVED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The complaint I am filing is a result of an ongoing PMI deletion request with Suntrust Mortgage. I followed all guidelines on how to submit this request. I did receive a timely appraisal ; however, the result of the appraisal I firmly disagreed with for good cause. The value of the home did not meet PMI deletion 80 % loan to value. After speaking with the woman who appraised my house she admitted that she missed a key comp which would have valued my house much higher to qualify for PMI deletion. She asked to me to rebut my finding to the bank and that she would redo the appraisal. I have since written 2 letters to Suntrust and spoke with multiple agents all who have blown this case off or denied my fact based information. They have now closed the case. I am essentially being pushed around by a bank who does not want to admit there was an appraisal error that could potentially qualify me for PMI deletion.

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 2019-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/2016, my car was stolen, and later was involved in a wreck by the person who stole the car. The police refused to file a police report, which made insurance not pay to either repair or total the car out. The shop stated the car was a complete loss. I attempted to tell Capital One the issue, and they were of no assistance. They went to the auto body shop and repossessed the vehicle. I informed them that I was waiting for a police report from the XXXX Police Department, which was never done because they were trying to blame my husband as the one who  wrecked the car, even going as far as locking him up for eight months before he was finally acquitted of any wrongdoing, and I still was never given a police report. Since I did not receive a police report, insurance refused to pay, but before I could appeal the decision to the insurance company, Capital One Auto Finance had repossessed my vehicle, wrongly repossessed it might I add. Capital One even said the car was a total loss and sold it for parts. I also contacted the credit reporting bureaus informing them of the issue, and also asked them to verify the account, provide the original contract, all that is outlined in section 609 of the FCRA. None of the bureaus ever provided me with that nor did they provide me with the person at Capital One Auto Finance that they spoke with. This is my final attempt before I seek civil litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted XXXX XXXX the original creditor on two occasion, and ask them to send me a copy of the bill that I owed. The first rep told me he would. 2 weeks later still no bill. So I then contacted XXXX XXXX again and was told to leave a message and someone would contact me, well the rep did. Upon speaking to her I asked her was it okay to record the call she said yes. I explain to her what I needed and she proceeded to tell me if she was able to print the bill she would but she dont have one. She stated that they dont keep records of bills from years ago. So XXXX XXXX  removed it off my credit report immediately. So heres where XXXX XXXX come in a month later XX/XX/2018 posting the same bill that XXXX XXXX original creditorremoved off my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: NJ
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the items listed below still remain on my credit report in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE ACCOUNTS BELOW : ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation