BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-04
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a XXXX XXXX card for over a year. And have had nothing but issues with this company. The first time I went on to make a payment it was fine. Second time, my payment just disappeared. I had a screenshot that said I scheduled the payment and the amount was pulled from my banking account. But nothing showed up on the XXXX account for payment so they charged me a late fee. I called and got it sorted but it took almost 3 hours. Then! The next time I went to make a payment I had done a in store return so it shouldve showed up as a credit on the account. So when the refund posted I went on at the end of the month and scheduled the payment ( the remaining balance ) for the due date. Which was like the XXXX of the following month. So I thought I was done. That amount was pulled from my checking account and I never got a call or email or letter from XXXX saying I had a balance on my account. And I knew it was at XXXX because I paid it. Well 3 months later I get a text saying my account was being sent to collections in 3 days if I didnt call and make a payment. So I called and they told me that I hadnt made the last payment on time so the account was charged a late fee. And because I never paid that late fee they charged another. And so on like that for 3 months. And on top of that there was like 3-4 misc charges for different amounts on my card. When I called to dispute it because I had scheduled that first payment well in advance so there shouldnt have been any late fees. The rude guy on the phone told me that even though I scheduled the payment in advance, since the due date was on a weekend it didnt post until the following Monday and thats how a late fee was accrued. Which is ridiculous. We argued. And the guy on the phone said if I paid {$35.00} late fee he would wave the rest and it wouldnt be sent to collection or be reported to credit bureau and affect my credit score. Well guess what! Few weeks later a get an alert that there was a ding to my credit because of missed or late payments. It affected it by like 40 points. So Im reporting XXXX credit card for charging me wrongly, lying and for the fact its illegal for companies to charge late fees to people if dues dates fall on non business days

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since 2001 our mortgage provider has been XXXX. A few months ago -- without our say-so -- we were informed Shellpoint was our new provider. 

XXXX has paid our homeowner 's policy to XXXX XXXX via our escrow account. 

XXXX XXXX XXXX is our main house. XXXX and XXXX XXXX XXXX are two cottages. We also have a barn. XXXX has paid out these policies to XXXX XXXX. 

Shellpoint is not paying XXXX XXXX for XXXX and XXXX XXXX XXXX, nor the barn. They have no understanding that these are two cottages ; they are entirely unaware that XXXX and XXXX XXXX have covered these for over a decade. 

Our address, XXXX XXXX XXXX, was changed a good decade ago from XXXX XXXX XXXX XXXX. Shellpoint also seems unable to understand this, although the name change is longstanding. 

I have called over and over again, to no avail. 

XXXX XXXX has sent over a complete file -- I called to check to see if Shellpoint had processed this, but was unable to reach anyone. 

Shell point needs to pay XXXX XXXX ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Dear CFPB, I filed a complaint against TransUnion two days ago, XX/XX/XXXX, regarding an account listed as XXXX/XXXX  XXXX XXXX on my credit report ; complaint # XXXX. In my complaint I requested information regarding how TransUnion validated an account with XXXX/XXXX XXXX XXXX that was purportedly sold to Navient in XX/XX/XXXX. 
This evening ( XX/XX/XXXX ), I received an alert from three credit monitoring services that I use stating that a new negative trade line account was reported BY TransUnion. I looked at the account and TransUnion updated the account from PAID/CLOSED to OPEN/60 DAYS Late, dropping my credit score 50+ points. 
I do not believe this account change was done by accident, I believe it was an intentional act of retaliation by TransUnion as a result of my initial complaint, two days ago.

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 2017-07-27
Company: IQOR US INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am current on all debts however I receive 2-3 calls a day 7 days a week from XXXX and never once a message. I googled a.d found that they are a debt collector and I am not the only one they are harassing constantly. I emailed and asked that they stop calling and send a letter. No response and still calls. I am executor of my mom 's estate and I suspect that may be what they are calling about, but I 've contacted everyone of her creditors already and told them the estate is insolvent. If they want to file a claim there is a way for them to file with probate but they should not me continually calling 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
Consumer complaint received 2018-01-04
Company: LendUp Loans LLC
State: MI
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:
There is so many inquary in my credit report, which was incorrect.I did n't recocnize that kind of inquary.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Southern Auto Finance Co
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
In XX/XX/XXXX had an accident XXXX XXXX XXXX financed by Safco was a total loss.This was report to Safco by my insurance in XXXX XXXX I had been trying to contact with no luck sent from person to person left messages on answering machine no call backs.my insurance had very hard time communicating and receiving documents back from these people.Then in XX/XX/XXXX I became upset with XXXX help located email for them we had been trying to reach up until them.they accepted a settlement which had to be redone because of poor job Safco did they misplaced paperwork now trying to charge me extra fees on top of settlements from XXXX and gap and my rwarranty refunds these took care of full balance owed on vehicle. After They tried to charge me over {$5000.00} I filed complaint with BBB because I m being XXXX XXXX XXXX quickly calls in response and rudely tells me that I still have loan with them and I need to pay XXXX I 'm filing this because there statement to bbb was that their making adjustments and I need to contact them.Any extras are their own fault poor processing of this claim.My acct # XXXXim attaching time line of communication shows how hard it was long they waited to respond.My gap insurance had the same problem. XXXX tried to help as much as possible.But Safco is just a ripoff company trying to get extra fees this company tend to do this when contract is ending.I need to know why I 'm being double charged fees.Also they reported this to credit bureaus. I disputed it but Safco continues reporting late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Experian Information Solutions Inc.
State: NY
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 )  ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX XXXX account .Ive Been trying to verify this account for four months from XX/XX/XXXX - Present. Experian stated that according to there report summary they only verified XXXX, XXXX and XX/XX/XXXX. But According to the Report summary on XX/XX/XXXX Report Number XXXX the XXXX  XXXX XXXX account was Unverified and was Deleted. Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof.

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 2019-05-18
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Complainant holds an account with the credit card company since XX/XX/XXXX, account in good standing. Account holder called in good faith on XX/XX/XXXX to amend personal information on account to add temporary SSN issued by Government ( complainant is currently pursuing citizenship ). 

Card company proclaimed security risk, held account charging privileges under the description of " security due to SSN change '' - no SSN change. New SSN was issued, it would be in addition to the information under which the account was opened in XX/XX/XXXX ( with alien registration ID number issued by Government ). Said alien registration ID number is still valid and is not changed/modified/invalidated by the temporary issuance of a temporary work only SSN.

Discover refused to re-instate account based upon security risk ( what risk? an SSN is being amended to an existing in good standing account ), and refused to close account at customer request - and refused to note on credit report that closure was explcitly at the request of the customer.

Complaints : 1. Discriminatory practice against immigrants by inferring credit was no longer valid due to immigration status process [ reference ECOA ( 15 U.S.C. 1691 and following ) and Regulation B ( 12 C.F.R. 1002 and following ) ], 2. Denial of proper credit reportage and customer direction to close line of credit and associated reporting at customer request [ reference FCRA 15 USC 1681 and following ]

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I checked my balance late XXXX on XX/XX/XXXX, my balance was XXXX dollars plus change. The morning of XX/XX/XXXX, I checked my account to find the balance much lower. I checked my transactions to find I had been double charged for the following purchases. 
XXXX : XXXX, XXXX, and XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. These amounts were again deducted from my balance and total XXXX. I called my bank, Capital One, and they explained a glitch had occurred and it would be fixed by the next day. Later on that same day, I made a deposit of XXXX at Capital One Bank. After the glitch was repaired, my balance was much lower than it should have been. I was expecting to see a balance of about XXXX and the account showed XXXX. These transactions came in overnight, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I spoke to customer service and a manage by the name of XXXX at the bank 's XXXX number just to be told the bank was correct. Obviously I do not agree. My balance of XXXX, deposit of XXXX and elimination of XXXX double charges minus the XXXX overnight charges, my balance should be greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
An account that was designated for my retirement located at the company named XXXX changed addresses and I was never notified, and then on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX JP Morgan Chase bank cashed forged checks in amount of {$5000.00}, {$5000.00}, {$10000.00} and {$10000.00} respectively. Each of these checks were never authorized by myself and were deposited to an account not opened by myself. I was never aware or designated the funds to be disbursed from this account. I was not notified of these disbursements until federal and state penalties were incurred through the IRS when my tax preparation occurred. 

My identity was stolen and these transactions were based on fraudulent terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: CITIBANK, N.A.
State: NJ
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 had a previous complaint XXXX about my credit card experience. I offered a solution that if it didn't work out I want to close my accounts.They tried minimum efforts to work out a solution with me: I was on a international travel and missed one call (only one call on XX/XX/XXXX) from their account manager XXXX XXXX. Instead of emailing me to schedule another call, she closed all my accounts including 4 credit cards and 2 bank accounts without my permission on XX/XX/XXXX.I was shocked when I found my saving is XXXX when came back, so I contacted the banking department to find out what's going on. They said that I personally called to close the accounts, which I never did. I suspect that XXXX XXXX stole my identity to do that.Later on, my credit cards was declined during purchases. So I called their credit card department and finally had a chance to speak with XXXX XXXX. She said I asked for it, like she never had a chance to read my complaint and solution suggestions. I listed the possible solutions on the complaint but she has no right to close my account without my written or spoken confirmation.This caused me so much trouble these days that my direct deposit has nowhere to go, my purchases was declined and I had to run to other banks to open account in the blizzard.Btw I never had credit issue, late payments or suspect ML activities.I've always been an active and royal customer with Citi but this time they did way over the line. XXXX XXXX  is not the right person to do this job.

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 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I am submitting this complaint on behalf of myself. It is sad that the credit reporting agencies can flat out violate the federal law like this. After several calls to XXXX, Transunion, and XXXX and the reps hanging up in my face I am here to get resolution. This is a direct violation per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.. I not once gave the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. I will be be taking this to the next level if this is not corrected. It clearly states that once I notify each credit report agency of any error it is to be removed and corrected. I am the consumer and I am the person to identify this information for validation. It has been almost a full year of attempting to get them to correct my credit file. I am no longer waiting and will be taking this to the next level.

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 2018-01-04
Company: ACS Education Services
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My loan with ACS changed to Conduent Education. I was informed that I would not have to change any information, and that everything would stay the same. When I went to log in to make a payment, it told me that I did not have an account and that the action was not available.

I tried changing my password, and the system recognized that I did have an account, but then it told me that there was no loan associated with my Social Security number.

I tried calling the customer service number provided, and it asked for my social security number without giving me any other options. Again, I got a response that said there was no account associated with my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian Date : XXXX XXXX, 2017 Report # XXXX My address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX is correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are or no my address as stated by Experian this is an apartment building with numbers after the address not just XXXX XXXX XXXXXXXX XXXX or XXXX XXXX XXXX XXXX Please remove there not my address Experian has wrong information and collect improper address. 

all it is multiple address that do n't are not right and information in error

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. XXXX is reporting late as reported in XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: BARCLAYS BANK DELAWARE
State: MN
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:
On XX/XX/2019 I attended a Wyndham seminar. I provided information to check on financing, which I declined. And I consented to being sent promotional emails. Later that day I received an email that I was approved for a credit card with Barclays and that the card was in the mail. I never asked for or consented to being signed up for a credit card. Credit card terms were never discussed. No credit card was ever discussed at all. I did not purchase anything and did not wish to enroll in anything which was made extremely clear to at least 4 separate employees at the time. I have already contacted the bank, whos representative told me they would do a fraud investigation but that since I had given them my information it would still be considered a valid account even if I had been signed up without my knowledge or consent.

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 2017-07-27
Company: GREAT LAKES
State: TX
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:
Great Lakes has repeatedly Breach my Privacy by sharing my personal identifiable information with non-affiliated 3rd parties including the Credit reporting Agencies. I 've sent certified mail on 2 separate occasions dating XX/XX/XXXX and most recent XX/XX/XXXX opting out revoking my consent of this sharing since i never received anything from them. I 've sent Great Lakes these letters opting out of these sharing practices and yet I have n't received a respond from them. I 've called Great Lakes repeatedly trying to get answers. Great Lakes is simply a loan servicer for the Department of Education simply a debt collector. I 've included an attached these documents showing my communication with Great Lakes. I have yet to received a response. Great Lakes has yet to respond to sharing my personal identifiable information with non-affiliated 3rd parties including the Credit reporting Agencies. According to the GLBA Gramm Leach Bliley Act this is a clear violation and Breach of Privacy. I did not give my permission for this The Department of Education nor this DEBT COLLECTOR to publicly furnish nor provide my personal identifiable to any 3rd parties including Great Lakes nor the Credit reporting agencies.

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