BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-21
Company: Harpeth Financial Services, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt collect agency did not sent proper notice of this debt to me before reporting to a credit bureau ( XXXX ). I was unware that I could dispute the debt and the fees added so I asked for a payment arrangement. Therefore, I had made a recent payment to this debt and asked for payment reminders from this debt collector via email. Upon not getting proper notice on when this debt would be reported to the credit bureau. This was reported without giving me a proper notice that regardless of any payments or payment plans with 45 days of a an initial notice, it will we reported to a credit bureau agency. They claim that a this letter or notice of their intent to report is incorrect information. They reported in a unfair and unreasonable way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: U.S. BANCORP
State: IL
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:
I received a series of letters from XXXX XXXX, Account Review Manager at US Bank indicating that they have selected to closed my personal and business credit cards. They have provided no reason for such an action. I have reached out to the company and their response is that they have the right to do so. 
I have asked for reasoning and rationale, and they have provided none. As they have cited XXXX separate accounts in a single review, referenced XXXX, the decision is not based on the activities of the account and the banking process, but related to the common point which is the owner of all accounts. As these series of actions is targeting me personally, I believe their action is racially motivated and is individually targeting me. In their letter they are referring to their Terms and Conditions, which allows them to close accounts for no reason. Though the Terms and Conditions allow for closing accounts for no reason, it does not allow them to close accounts for a reason and not provide that reason to the consumer. They are hiding behind their unjust Terms and Conditions that allows them to not provide any justification for their action, therefore, hiding behind the truth that their actions are unconstitutional. 
I like to have someone with legal authority look in to their action as I suspect there is an underlying company process that may unjustly affect many consumers.

I have had a personal and business banking relationship with US Bank for over 30 years. If they are closing a 30 year relationship without providing a reason, it must be because they feel that providing the reason for selecting me would jeopardies their company and give me justification for legal action. Those who have nothing to hide, do not hide behind their bogus Terms and Conditions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Santander Consumer USA Holdings Inc.
State: SC
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:
Santander Consumer USA is still reporting negative remarks on my credit report. I have contacted Santander, I have contacted XXXX. I still have the same results. That account is in litigation due to predatory lending and this account needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TSI XXXX XXXX XXXX XXXX, DE XXXX Consumer Hotline : XXXX Consumer Hotline Fax : ( XXXX XXXX XXXX Have been calling me about a debt that does not exist. I contacted the company they represent, XXXX XXXX who indicates I do not have any debt with them. TSI is persistent in the calls. XXXX XXXX has been notified. THE CFPB needs to strengthen its resolve to protect the consuming public. Errors are permitted by the likes of XXXX, XXXX, XXXX and countless others not reported. There should be some type of real penalty. 

Double standards - CFPB should help find equity in consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: EOS Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dispute this with credit Bureau and the Collections company claims to have verified the debt without sending me any proof or verification whatsoever. 
I demand that they immediately remove the negative items on my credit report immediately or proof to me that I owed the debt by providing me documents and the original contract of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied to Chase XXXX XXXX XXXX XXXX card in XX/XX/XXXX. One of the benefits advertised at the Chase and XXXX XXXX websites was Youll earn XXXX PQP for every {$12000.00} you spend on purchases with your Quest Card ( up to XXXX PQP in a calendar year ) that can be applied toward your Premier status qualification, up to the Premier XXXX level. According to my credit card statement, I had spent more than {$12000.00} since I opened the account in XX/XX/XXXX. After more than a month I have not received XXXX PQP. I contacted both XXXX XXXX and Chase for more than half of a dozen times in the past week. I was told that I have not received the XXXX because I did not spend {$12000.00} in XXXX nor in XXXX. I told the chase customer service representatives that this was not how I understood. The advertising statement only explicitly states that only XXXX PQP could be earned within a calendar year but it did not explicitly state that the {$12000.00} expenditure must occur within a calendar year. Based on what Chase representatives explained to me, the credit card promotion is misleading at least and deceitful at best. For instance, if you opened the credit card in the late part of a year and you could only spend {$11000.00} by XX/XX/XXXX, you would earn XXXX PQP. This approach is not fair to consumers because they would not fully receive the benefit that the credit card was supposed to offer. If I had known this in advance, I would not have opened the account in the late part of XXXX. After I repeatedly explained my understanding of their promotion statement to Chase and XXXX XXXX, I was told that there was nothing that they could do. The supervisor of the Chase customer services hung up on me in the middle of our discussions yesterday. What I want Chase to do is to give me the XXXX PQP that I have earned from spending more than {$8000.00} in XXXX, and more than {$4000.00} in XXXX. The deception and treatment from Chase is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I closed out my Capital One IRA, with a form detailing the external account info that the funds were to be transferred to. Capital One sent me a letter explaining that the IRA distribution was completed on XX/XX/XXXX. On XX/XX/XXXX the funds still had n't shown up in my account. I then made a series of calls to Capital One trying to locate my IRA funds. 
Problem # 1- Customers CAN NOT speak to anyone in the IRA ops dept, I was told this many times ( and quite forcefully ). 
Problem # 2-I was told that the funds had n't returned to Capital One, so there was no problem on their end. 
Problem # 3- I was told I would receive a call back by end of business on XX/XX/XXXX, did n't happen. 
Problem # 4- I was told I would receive a call back first thing on XX/XX/XXXX, did n't happen. 
Problem # 5- On the morning of XX/XX/XXXX I was told an investigation would be opened, on XX/XX/XXXX I was told no investigation was opened. 
Problem # 6- On XX/XX/XXXX a supervisor very rudely told me that she did n't know why I was promised calls back in those time periods, they do n't do that because things like this can take 24-48hrs or longer to solve. 
Problem # 7- The same supervisor told me repeatedly ( and forcefully ) that there was no trace ID. *All ACH transactions have a trace ID. 
So today I call Capital One again, the person I spoke to told me that my case was closed because " there was no trace ID ''. I was also told that my 2nd case was closed because my call back number, that I confirmed TWICE, was disconnected ( it is n't, it 's the same XXXX phone I 've made all these calls on. ) Now I call XXXX XXXX XXXX ( ending point for the funds ), explain the situation to them and Capital One 's unwillingness to help. Turns out there was a series of zeros that should n't have been in front of my account number on the ACH from Capital One, so XXXX returned the ACH to Capital One on XX/XX/XXXX, and XXXX gave me the trace ID for the ACH return. I give this info to Capital One, and their reply is " We do n't have the return, it can take 5 business days to process '', ACH is at most an overnight process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Reliable Credit Association, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
An account was opened with Reliable Credit inXX/XX/2016 The auto loan was for a XXXX XXXX XXXX, we put XXXX dollars down. We never went more than 30 days late, when we called to discuss the payments for some help due to financial hardships the company was not willing to work with either of us on the loan to set something up. I called and talked to the supervisor on different occasions and they refused to work something out.The only option was to pay over 2000 dollars instead of the monthly payment or have the car repossessed, clearly we were having financial hardships and this was unrealistic. We made the monthly payments from XX/XX/XXXX until XX/XX/XXXX, before we ran into financial hardships that made it difficult to make one payment. We could not afford the XXXX dollar payment they wanted us to pay instead of the past due 30 day late payment and the car was repossessed.The car was sold and we are told we still owe XXXX dollars on a car that only cost XXXX dollars. After the car was repossessed we called to try and work something out, instead the car was sold and the company still is trying to charge us for a higher amount the what the car was worth. Shortly after I was XXXX to XXXX and my family had to relocate to a different state. We have since contacted the company to still try and figure out a repayment plan and they told me there is nothing they can do for me not to call them call the debt collector.The negative remarks have been severely impacting our credit scores in a negative way.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: EQUIFAX, INC.
State: CA
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:
Acct # : XXXX Acct type : Medical Collection Furnisher : XXXX XXXX , XXXX Dispute type : Incorrect date of first delinquency There is no supporting medical statement showing the date. I requested to remove incorrect delinquency date from my credit history many times, and Equifax always responded the same template to me with only updated day/month and referred me to XXXX ( a collection agency which doesn't respond to my requests as well ). 

I requested for a description of the procedure used to determine the accuracy and completeness of the information, and I never received any response. The medical bills need a statement date as a due date not a service date. 

ALSO I ASK FOR A DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION BY THE CALIFORNIA LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXXDate of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: CORELOGIC 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: Investigation took more than 30 days

Complaint:
I have a Dispute with the Credit Bureau about the incorrect items on my credit report. It's been well over 30 days and I still didn't receive my investigation 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 2022-04-02
Company: Nelnet, Inc.
State: NY
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:
On XXXX XXXX, I started my continued education at XXXX XXXX XXXX XXXX at XXXX XXXXXXXX XXXX, NY. I'm currently in the XXXX XXXX in XXXX XXXX. All my requests for student loans were accepted. The problem I have with the XXXX XXXX XXXX is that they refuse to give me the funds from my student account to have my apartment wired for Internet service. I received a quote from an agency that was for {$170.00} to install the wiring needed for the internet service. I told the XXXX XXXX XXXX XXXX campus that I need this money from my student account and was instead directed to the job placement office. I'm totally confused about my student loans about why they were sent to the School in the first place. I don't receive any statements for how much money is in my student account. So far the XXXX XXXX XXXX XXXX has sent me textbooks with missing chapters and books that I didn't need for some classes. These textbooks are not cheap. I found out that the College is for profit. I'm an A and B student and I'm doing very well, with the exception that I have to go to the neighborhood library to do all my assignments. This shouldn't be as I have more than enough in my account that the College should authorize the money needed for the internet service to be installed in my apartment. After installation the cost is {$40.00} a month. The College loan officer said all money not used is going to be sent back to the agency lender. I find this to be a way of not letting me graduate. I feel like I'm being discriminated against because of my age, XXXX XXXX XXXX. This is my second complaint about the same thing. XXXX XXXX XXXX XXXX is holding my student loans for the purpose of collecting interest from my loan. I continually receive emails about attending tutoring. Why would I attend tutoring if I have a grade point average of XXXX. I find them continually trying to get me to do things that I don't need to do just so they can take money out of my student account that I have been denied for taking out of MY STUDENT LOANS FOR THE PURPOSE OF WIRING MY APARTMENT FOR INTERNET SERVICE. When I filled out the paperwork for XXXX XXXX XXXX XXXX, I was told that I would be set up for SUCCESS. I explained to the recruiter that I didn't have internet service or the money to have it installed and I was assured that the loans would be there to help with that. I have a nephew who is attending college and in his first month received {$7000.00} to help with the cost of his education. WHY WOULD THIS NOT APPLY TO ME????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Ditech Financial LLC
State: WA
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 've never been late on my mortgage payment. My XX/XX/XXXX payment I paid {$2600.00} which was an extra {$50.00}, which they applied to principal. In XX/XX/XXXX there was an escrow adjustment and my payment of {$2600.00} was {$25.00} short, so they did not apply any of my payment, reporting me 30 days late. In XX/XX/XXXX I paid {$3000.00}, covering the {$25.00} short, plus their {$89.00} late fee. On my credit report it shows I was 30 days late. However my due date is XXXX and they reported me at the end of the month, which is not 30 days. In addition I asked them to considered I 've always paid on time, usually more than the payment, that it was {$25.00} short. I also asked if they could reapply the extra {$50.00} from XX/XX/XXXX to XX/XX/XXXX to cover escrow and then reapply my XX/XX/XXXX payment. They claim by law they can not do that, will not escalate my calls and frankly this is not a black and white issue. I 've talked to a number of financial institutions and DITECH has options to help me, I gave them an easy method to reapply payments, but they just choose not to do anything to help out a long time customer. They have a very rude customer service. My credit score which was well over 700 dropped by 50 points. I 've worked hard on my credit and I find this very unfair and any reasonable person would agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: ALLY FINANCIAL 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: Investigation took more than 30 days

Complaint:
I have Filed Disputes to the Credit Bureaus and it been well over 30 days and still have receive any investigation 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 2021-11-10
Company: Shellpoint Partners, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I reached out to Shellpoint Mortgage Servicing to request a 3 month deferment of payment for my mortgage due to the pandemic 's effect on my business. I was approved to defer XXXX, XXXX and XX/XX/XXXX. I then requested further deferment starting in XXXX. I contacted my mortgage company on a weekly basis and provided all requested documentation along the way. In XX/XX/XXXX, I was approved for a trial modification with lower monthly payments starting XX/XX/XXXX through XX/XX/XXXX. I made each monthly payment on time starting XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX I received documents for a permanent modification which I approved. In XX/XX/XXXX, they sent me a balance due for the escrow. I paid the entire amount immediately, however the mortgage company did not apply it to the escrow. In XX/XX/XXXX, the mortgage company reported me as three months delinquent to all three credit bureaus. I have called them on a weekly basis and each time I received different instructions than what was mailed to me. There are also random fees in my mortgage history that were never sent to 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 2017-10-25
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

INQUIRIES XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-04-02
Company: Credit Systems International, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I would like for the company to provide me with the original promissory note or a certified copy of the original note of debt, a copy of the repayment schedule, a complete statement of payment history. As well as copies of all approved deferments and or requests for cancellation. I also ask that this company provide a copy of the notice of the effective date of acceleration and the total amount due. This company has not lawfully validated this debt before placing it on my consumer credit report and is actively participating in DEBT PARKING which is illegal and I will be referring this to the FTC as well please provide me with a trilateral contract. I would like for this company to provided certified receipt of debt, assignment of Debt, Validation of Debt and the method of verification of said debt or to delete the associated account from my credit profiles.

Company response to consumer: Closed with explanation