BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXXThis loan was paid off. Reinvestigate and erase please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a very rude treatment from a teller while making a deposit at a local Capital One branch, located XXXX XXXX XXXX, XXXX, NY XXXX. I came to this branch on XX/XX/2022 at about XXXXXXXX XXXX and saw that available Teller 1 and Teller 2 were bantering, with no customers at their windows. I stood in front on Teller 1 waiting for acknowledgement, while he was finishing his chat with Teller 2. I asked him, if he could help me. He waved a hand, with no hello. I needed to make a deposit and entered my bank card in the slot. Machine took its time, but I saw no request for PIN. Teller 1 began patronizing that I should be following instructions on the screen and do what I am told. I told that I do follow the instructions, but there was little to do if no PIN input screen was displayed. He then pressed some button on his keyboard and I managed to enter my PIN. Later he began preaching with superior tone about masks and other remarks about me, even though we were both masked. I told him that I don't appreciate condescending attitude and went to Teller 2- who was available ( no customers ), but pretended he was too busy to help me. I managed to get deposit made by Teller 3 ( XXXX ). XXXX refused to give me the names of the other 2 tellers or manager 's last name, but gave me branch manager 's ( XXXX ) phone ( XXXX ) to report complaint, but when I called - that number was not working or was disconnected. The manager was not present at the branch that day ( XX/XX/2022 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Card was legally ordered to be closed and out of my name the debt was ordered to XXXX j XXXX. XXXX  XXXX XXXX order even after the federal government paying for this. It is now fraud using my name and credit

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: CITIBANK, N.A.
State: KS
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:
My identity was used to fraudulently open a credit card account with Citibank. My address was changed by the thief also. I have never had an account of any type with Citibank. 

I learned of a possible problem from the Department of Defense XXXX XXXX XXXX. When I checked my report I found that the payment for the card in my name was overdue and that was changing my credit score. 

I have repeatedly tried to inform Citibank but the representatives insist I must have an account to file a complaint or I must buy their fraud alert system. 

I have notified all 3 credit agencies, the Social Security Office, and MY ID Care has opened an investigation ( Case # XXXX ), XXXX XXXX, XXXX Ext XXXX The card was opened on XX/XX/21 to a person who claims their address is : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, Tennessee 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 2017-07-27
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In response to a promotional offer from American Express and Delta Airlines, I applied for and received a Delta Sky Miles American Express card. The promotion promised a {$50.00} credit on the American Express account and 30,000 miles on my Delta skymiles account, so long as I spent {$1000.00} within the first three months of having the card. I received the card on XXXX XXXX, 2017. I charged over {$1000.00} in the first month and paid that amount in full when I received my first statement. When I did not receive the promotional benefits after I paid the first statement, I contacted American Express. I was told that there could be a several week delay in getting the benefits but that the latest I would receive them would be 3 months after the activation of the card. After 2 months and still no benefits, I called again. The customer service representative assured me that the benefits would be applied no later than XXXX XXXX. When I still did not receive the benefits, I called American Express again on XXXX XXXX. At this time, I was told that the matter would need to be sent to the escalation department and it could take another week or so to resolve. There is no reason that a consumer should have to contact American Express multiple times in order to receive a promotion that American Express and Delta committed to providing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-28
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
The card was, and still is advertised as interest free for one year. 
The card was issued online, as part of the checkout process of an online store called XXXX. 
The card is issued by comenity.com When asked about minimum payments and avoiding interest, Comenity.com representatives offer information that is at times vague, and at times contradicts the terms promoted. 
It seems almost designed to mislead customers into violating the terms of the one year interest free offer, possibly in an attempt to collect interest and fines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened a secured credit card with Capital One Bank in the beginning of 2019. The XXXX company made a mistake and reported it as fraud ... Capital one closed my account. After weeks of speaking to XXXX in credit bureaus disputes at Capital One XXXX direct extension XXXX she had me send identity papers and bank papers etc she rec 'd this info on XX/XX/2019. at which point she assured me they would re-open my account .... months went by never happened! I spoke with her again in XXXX she told me it could not be done but I would get my {$99.00} deposit back, but I HAD to file a complaint with my bank???? made no sense! I did however do it they gave me a provisional {$99.00} till investigation .... well today they reversed the credit saying it was processed correctly. WTH!!! then I got a check from Capital One for {$0.00} stating it was a credit balance refund. I never got my {$99.00} back I have left several messages to XXXX NO RESPONSE I want my security deposit back!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft since XX/XX/XXXX. The information listed in this complaint, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. These accounts need to be closed out by any creditors and collection activity must cease.

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 2022-02-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: Machol & Johannes, LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am sick and tired of being called " Invalid '' when I am telling the truth and they are breaking the law. It is an insult to be called " invalid ''. 
Apparently when you ( me ) have all the documentation that you are telling the truth and you have been wronged ( and you sent it on to these " people '' on more than one occasion ) you are " INVALID ''.

2nd letter from these " People '' today a complete rerun of the letter  sent to me dated XX/XX/XXXX, once again calling me " INVALID '' I am NOT CALLING YOU and you are NOT TO CALL ME. This can be taken care of IN WRITING. 
I have asked them to send me a offer in writing that would resolve this issue and it hasn't seemed to compute with them. 
I have gotten no offer in writing, and I have not gotten any verifying information that THEY promised to send me in their first letter dated XX/XX/XXXX. 
All I get is the same letter over again that says I am " INVALID ''. 
They already judged me, discriminated against me, and developed complete bias against me even before the letter I sent them disputing the amount. They show no interest in making things better and they have already decided that I am a scumbag. Nothing I say ( all the truth ) makes no difference with them. I truly believe that they never read anything I write or look at any of the proof I sent them. They are totally and completely discriminating against me. It does no good to send them any of my proof because they are discriminating against me. 
I want this resolved and these people and their sticky fingers out of my personal information, my credit, and my life. 
Send me an offer IN WRITING ASAP that will resolve this issue permanently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a threatening collection notice letter from Afni Collections at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 

They claim I owe {$1000.00} for an overdue XXXX XXXX XXXX balance. Pretty silly considering Ive never had an account with XXXX XXXX XXXX. I called and told them this. They were extremely rude and told me it was in my best interest to pay the balance. I refused and told them not to contact me again. 

They then sent me a second letter claiming theyd accept a discounted offer payment of {$600.00}. I called again and asked what type of money grabbing scam they were pulling and that this was a done issue as I DO NOT have an XXXX XXXX XXXX  account. 

Today I was informed that a collection account was reported by them to XXXX and is now on my credit report. I called XXXX and and filed a dispute through them as well as reporting them to the XXXX. 

Id also like for you to assist and ensure that they stop contacting me and remove the false collection account from my credit report. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion recently raised my credit score by 29 points on a Saturday and the next day they lowered it by 49 points. Nothing changed on my report. As a matter of fact, they reported that a couple of my accts had decreased in balance. I called Transunion for an explanation as to why my score decreased and the customer service rep could not explain it. My credit has been the same for the last few months. The three derogatory items are at least 6 yrs old. There were no recent inquiries, collections or missed payments.

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 2019-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies :

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 2017-07-26
Company: TRANSWORLD 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:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against Transworld Systems for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report. I want the negative credit reporting to cease and for the collection account to be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company Credit Systems at XXXX XXXX XXXX XXXX in XXXX, Texas reported a medical debt to my credit and caused a drop. 
I have never been notified of this debt, an amount owed in this amount, or contacted by this company. 
Looking up this company online they have multiple cases of this exact scenario.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
CAPITAL ONE DATA BREACH CAUSED THE FTC VIOLA TION THAT IS NOT FIXABLE I'VE TRIED MORE THAN 4 MONTHS ENCLOSED THE ACCOUNTS THAT CAN NOT BE RESOLVED THEN WENT TO XXXX XXXX AT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought my home in XXXX from Gmac Since then it has been sold 2 times to home comings and nor XXXX.
My husband passed away, the loan is my loan only in my maiden name. Last year I noticed they had my load dated as a sign date of XXXX. I never went or signed a new on this home. I put XXXX down and they basil have me back at where I started. I should be only paying the loan no interest at this point. I asked for original loan document and they sent me a copy of a letter with my married name signed. I never signed unsee my marrieded name and I did not marry until XXXX  and they dated it XXXX.
I have been late each month to get to talk to someone because calling them Did not work!! I never refinanced I never pulled out any money on load. The goal was to mortgage free.
Now I have insurance damage to my home. My insurance has sent me checks for a lot of money. Spoke with Ocwen they said my load had to be up to date. I explained why the late fees. They said it has to be up to date. So I paid all late fees. Went to check my mortgage payment went through with all late fees pain. When I called they tried to say I owe another XXXX in late fee to put my money the money to fix my home that I have pain insurance on with the state farm from the first day I bought home. They also have never sent me a escrow overpay. As of XXXX my escrow has the full amount for my taxes yet they are charging me for it. They also changed the loan payment now Please help They are crocks and my home should not cause this much stress.
Name on account is XXXX XXXX Note that they sent has my married signature of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Selene Finance LP
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Selene Finance refused to process my loan payment last year when I was finally approved for a loan modification. This loan modification took 10 months because the purposely always lost my paperwork. I would email, fax and send in regular mail all required paper work and they continue to lose my paperwork until finally I got approved. They I mailed in my payment with a money order and they stated I did not pay and continued the foreclosure proceedings with the court system however they lied to me that they were going to work with me. I continued to send in new paperwork during a XXXX XXXX  XXXX and even during the XXXX of my daughter. I talked to this bank in the hospital and the funeral home and they continued to lie to me. They have already closed out the account on my credit report even thought we are in XX/XX/XXXX and the sale date is in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: CHECK INTO CASH INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/2021 I entered into a loan agreement with my local Check Into Cash. On XX/XX/2021 I contacted Check Into Cash in writing ( via email ) and revoked my XXXX agreement. I also called the company to confirm that they received the email. I spoke with a representative that confirmed that the XXXX was revoked and the transaction would not go through my account. She stated that she was passing the information on to the branch immediately. In early XXXX I contacted the corporate office again to give a Cease and Desist order. I asked that only my personal cellphone number be contacted. I did not authorize calls to any other number on the account, including my business phone. 

Today, XX/XX/2021, over a month after my XXXX was revoked, Check Into Cash debited my account for the full balance owed. This left my account extremely negative, is causing other bills to bounce, and is costing me money in overdraft fees. In addition, the local branch as continued to call my business phone. 

This is a direct violation of the Electronic Fund Transfer Act, and UDAAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-04
Company: Navient Solutions, LLC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
NAVIENT This loan was paid off. Reinvestigate and erase please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: SYNCHRONY FINANCIAL
State: NC
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:
Care Credit has charged my interest and has not removed it. This was supposed to be a 24 month SAME AS CASH. They never changed it from their standard 12 months. The provider has called them no less than 5 times. They also had names and confirmation numbers. I have also called many times and emailed. They refuse to correct this and just keep throwing us back and forth with no resolve. I need this handled.

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 2022-02-04
Company: Resurgent Capital Services L.P.
State: OH
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:
XXXXXXXX XXXX  has incorrect information on my credit report I never owed them any money but it says I have a balance of {$2200.00} as of XX/XX/XXXX XXXX XXXX has an old account reporting that I have a balance of {$420.00} dollars from XX/XX/XXXX when my credit was actually raised to a higher limit of {$500.00} and is still open but list the old card as in collections XXXX XXXXXXXX XXXX  says I have a balance of {$1000.00} When card was paid off 3 years ago XXXX say I have a balance of {$600.00} as of XX/XX/XXXX and I never had a XXXX charge card XXXX XXXX XXXX  says I have a balance of {$710.00} and I never had a card from them

Company response to consumer: Closed with explanation