BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-27
Company: BB&T CORPORATION
State: SC
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:
Every time i send in a 2 or 3 payment in advance bbt credit card company take the payment both payment cash but only applied one to balance..this has happen to me 3 times.so on the third time i called the credit card company bbt and the noted on the account that 2 payment coming in.they cash  both check but only applied one to my balance.call bbt they ask me to get copy of both checks.they see that i paid 2 check but fail to correct problem.that why i called to let them know 2 payment was sent in.they even noted to account but still cash both and only applied one .so im reporting them to cfpb.

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 2017-12-01
Company: Key 2 Recovery, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a call from XXXX with Key 2 Recovery on XX/XX/XXXX concerning a collection account with XXXX XXXX from XX/XX/XXXX XXXX {$1400.00}. I informed her that I did n't have any debts with XXXX XXXX and am not familiar with any debts from there that I owe. I told her the statute of limitations have run out for such a debt that I do n't even owe from XX/XX/XXXX. XXXX asked if I was going to pay the debt and I informed her, no, because it 's not my debt and she hung up on me. After the call, I did n't receive any additional contact by phone or mail ( never received anything by mail ). Fast-forward to XX/XX/XXXX I receive a credit alert from XXXX XXXX as it relates to XXXX indicting I have an open collection dated XX/XX/XXXX from Key 2 Recovery Inc., and reported XX/XX/XXXX for a debt owed to XXXX XXXX in the amount of {$1400.00}. How could I have had an " open '' collection in XX/XX/XXXX? The debt was so old, that I was wondering why a collection agency was attempting to collect a debt that was over 17 years old that I knew I no longer owed and when they purchased the debt at that time it was their duty to do their due diligence. The reason I do n't owe or have such a debt is because it was discharged XX/XX/XXXX in Case Number XXXX under Chapter XXXX ( filed under my maiden name ) on Schedule F, Creditor # XXXX i/a/o {$1400.00} the exact amount Key 2 Recovery has reported on my credit report as a derogatory collection. How can a collection agency attempt to collect after bankruptcy and report a derogatory collection on my account after all these years on an account that was clearly discharged, stale, time-barred, not re-aged, and no documentation provided that the debt was valid? Having a collection account can jeopardize my job as a XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX as I 'm not able to have " bad credit '' and collections. 

This appears to be unfair collection practice as this company clearly ignored that this debt was no longer owed and did not validate the debt they clearly purchased over 15 years later, and they falsely reported to the Credit Bureau which can jeopardize my career.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
wells fargo raised my payment 3 mo in a row.I contacted att general so this stopped..then they started charging a 45 % late fee which they stopped and deny..It has been 8 months since I made a payment.I have asked about 8 people in the executive office to forclose.they seem to refuse..the house has been vacant since XX/XX/2018.last week, I sent in a letter to surrender the property..I got a packet with a lot of lies..they are going to keep charging me payments and late fees.this could go on forever.I am a XXXX yr old, with lots of health problems.I don't even make XXXX per month, and can not afford this propery since my son had to move because wf kept raising his payments the inspector went out and verified that the property is vacant and said the doors would be boarded up and the house winterized..It needs a tarp on back flat roof as it is leaking badly..wf is also not sending the inspector back out..all they want is to keep charging payments and late fees ... I need your help badly. thanks

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 2022-08-11
Company: EQUIFAX, INC.
State: NY
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 a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
Ok, Back on XXXX my husband become to be on worker comp from work, and we have a lot of problem back them. he was facing foreclosure from XXXX XXXX XXXX  and, he was going crazy to save the home ware we live with our XXXX kids. So he was refer to get help from XXXX XXXX XXXX XXXX, so they help him to save the property with o low montly payment until the situation change. Well with all this mess and bills, from al type that a home can have, with fill the banckcrucy chapter XXXX on XXXX and was aprove, we pay bak part of the money in 3 years of 5 year agreement, we dit a loan modification, and thinks star to change good for us ... now at that point my husbad have the home loan with XXXX XXXX, and the XXXX  XXXX XXXX XXXX borrow him the money to save the home ... when with dit the bankcrucy we have the benefit to have remove that loan because the hosue is under water..so he old XXXX dolarr on home morgage and the hosue price is only XXXX, plus the deb of {$19000.00} with interes and fees from XXXX XXXX XXXX XXXX . so this was aprove by the Agency and courth, and that deb become to past a unsecure deb, so was remove and we dont have to pay bak that loan. 
whern that happen i have to sing as JOIN on that loan since iam on the DEED of the property so we are secure if anything happen ... .Now i see on my credit report that show and iam traying to buy a home even if has been remove and we dont have to pay back and become a unsecure ..some bank are taking this as excuse to NOT aprove the loan ... .becasue this show on my credit. i have this dispute this to thenAgency tru the credit dispute page and the Agency dont wan to remove that from my credit. 
this was my husband loan with XXXX XXXX, iam not on that loan..and i have to sign that document from XXXX XXXX XXXX XXXX  because iam on the Deed ... and was the only option we have to sabe our home. 

this is what is hurting my credit score and bank or private lender dont wan to help me to get a new home for that reason.

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 2019-09-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
We have online banking with Chase. Chase bank sent our mortgage payment to the wrong address. This was on XX/XX/2019. It is now mid XX/XX/XXXX and they will not give us our money back. They are asking us to prove that the mortgage lender never received the money. 

This is odd because Chase showed us the front and back of the check that was sent to the wrong address and was negotiated by an entity that was not our mortgage provider. 

My credit has been dinged through no fault of my own, we had to write a second check to prevent foreclosure discussions, and I still dont have my money. 

I would like my money returned, plus interest. I would like them to clear up my credit on this issue and I would like to be compensated for the 4 hours we spent on the phone with chase and our mortgage provider. 

They will give a provisional credit if we prove that the mortgage company never received it, but this is clearly insufficient. In my book, when someone makes a mistake with someone elses money, and they dont return it, thats called theft. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: CITIBANK, N.A.
State: WA
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:
Today banks and credit card companies have disproportionate advantages and monopoly on transactions. 

Citigroup is using that monopoly to punish lawful merchants of firearms. This abuse sets a dangerous precedent of companies that are gate keepers for a consumers money and is extremely harmful. Today it is firearms but this is possible with anything a credit card processor may agree or disagree with.

Citigroup should also be punished for the age discrimination they are attempting to impart on the merchants in question. 

I would like to know how Citigroup is going to remedy this situation and what the next steps are from a corporate governance perspective. Specifically Id like Citigroup to define how their bank will or will not interfer with lawful transactions going forward.

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 2019-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
I opened an Capital One secured credit card on XX/XX/2019 and paid two separate deposits of {$49.00}, a total of {$98.00} and a few days later I decided against the idea of a secured credit card so I called and canceled it. The representative told me that Capital One will refund me my {$98.00} deposit via a check within 2 weeks but they never did, Ive called several times over the last 2 months and I keep getting excuses on why I havent received my refund followed by the representatives telling me just give it two more weeks, theyll make sure I get it this time I just dont know why a financial institution as big as Capital One is trying to steal {$98.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: CITIZENS FINANCIAL GROUP, 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
When I got my XXXX XXXX ls they still have my loan on my creit score for XXXX and it should be off by now

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Zenith Financial Network Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have constant calls and voicemails from this company leaving vague, threatening messages. I have been getting these messages and calls for several weeks now. The message states that I have been uncooperative in addressing legal documents, however I have yet to receive anything in the mail related to legal documents, been serves with any legal documents, or had an attorney contact me. The message goes on to state that they will be left with no recourse other than to report my non compliance. The message is very vague, yet threatening. I get a call from them about four times a day, with the same message, or just a hang up. I called today and spoke with two different representatives, who kept avoiding my questions. I asked for the name of the company which the first rep. refused to give me, I asked her for their address and she refused  again, she wanted to know why I needed that information, and became argumentative with me for simply asking for their information. The second phone call a man answered and again kept dancing around my questions and speaking over me and would not answer any of my questions. I asked him to remove my phone number and he refused. He said he would send my information over to the county and get it verified, before anything would be done. I made it clear that I wanted to have the phone calls and threatening messages to cease and desist. He argued with me eventually told me that " He could not with me anymore '', when I simply was trying to get information as well as the calls to stop. At one point the man on the phone started to give me an address and cut himself off to give me a different address. After I told him he could also give the other address that he started with, he rudely replied " I know what my job is and what I can and can not do, thanks for letting me know. '' I have several voicemails indicating their deceptive practices, as well as recorded phone calls of the representatives rude unprofessional behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
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: Account information incorrect

Complaint:
I called the mortgage company in XXXX, XXXX and today. I faxed them in XXXX. My balance has not been updated since XXXX. I disputed it with the credit bureau in XXXX. I am being told it is the error of the credit bureau and the credit bureau blames the mortgage company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Key 2 Recovery, Inc.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Proof of Federal Pell Grant as previously complaint stated in more detailed form.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: I.C. System, Inc.
State: NC
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:
I am complaining these accounts that I found really questionable in my credit file. There are a lot of missing information and also I have no transaction with the reporting collection company or agency. This is really getting out of hand and I am trying my best to build a positive credit file. I need your help with these accounts please.

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 2018-02-14
Company: SYNCHRONY FINANCIAL
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:
Hard inquiry in my credit report from : Syncb/walmrt on multiples days as XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX. 

Also from XXXX XXXX on multiples days as XX/XX/XXXX * XX/XX/XXXX * XXXX XXXX, XXXX * XX/XX/XXXX. 

And last but not less important from XXXX XXXX XXXX, XXXX XXXX, multiples days as XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX. 

I have not authorized any of these companies to run my credit with the intentions for approval of a credit card, marketing or any kind of this matter.

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 2019-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Transunion, XXXX, and XXXX  s reporting 8 account that is closed. Only 1 should be closed as paid is from XXXX. Never been associated with these account. Would like them to remove these remarks immediately. Also theres addresses and my name is being misspelled only should be XXXX XXXX XXXX XXXX XXXX address and XXXX XXXX XXXX address should be in my credit report

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 2020-05-06
Company: CITIBANK, N.A.
State: CA
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:
Dear Sir or Madam, My ex spouse, XXXX XXXX used my social security number to applied several credit cards and may get financial benefit by using my personal information to create false employ information for his friends who is applying permanent resident. I had a joint account with XXXX XXXX. It was according to the suggestion of Attorney XXXX whom XXXX hired to help apply permanent resident for me. XXXX XXXX has repeatedly stated that I dont need to bother about our joint account. That is just what he used to pay utility bills and set up his own credit card for automatic repayment. XXXX XXXX own main financial activities still use his personality account. The existence of joint account was his tool for damaging my credit. He even used joint account to cash pay stub check under my name. Actually I didnt work for anybody and he requested me to be a XXXX since married. Had been a XXXX  for several years and unfamiliar with the country, I was isolated from society and never checked my credit report by myself. XXXX XXXX closed the joint account personally after I noticed identity theft issue. But he continued to hurt my credit. 
I am a victim. Besides credit hurt, XXXX XXXX kited money from my family. I am a single mommy who is undergoing hard life right now. XXXX XXXX doesnt pay child support. The reason I mentioned this is to figure out that I am a person with responsibilities. There are many people and things I life that can testify my character. I did not apply for and used these credit cards, nor did I know. I believe in justice and law. Although hard, I tried my best to resolve this probelm. 
I called the police. The Police Report No. is XXXX andDetective Officer XXXX XXXX is responsible for my case right now. 
I had summited a identity theft report about this to Federal Trade Commission, and the reference number is XXXX. 
I had summited dispute request to the three credit report companies. One of them has removed credit history about fraudulent cards and the other two is under investigation. 
I sincerely prayer results of this case are consistent with the facts. 
Thank you!

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 2017-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion had a server error, where the company had deleted inquiries from consumer credit reports, then proceeded to reinsert those inquiries BACK to the consumer credit reports! TransUnion failed to follow the LEGAL procedure to actually do so. When I called them to have the inquiries removes, they refused to do so. Below are the following inquiries : XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX, IL XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX, MN XXXXXXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX, MN XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, CA XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, CA XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, CA XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, CA XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, CA XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, CA XXXX XXXX XXXX/XXXX/XXXX XXXX, NC XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX RI XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, TX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, IL XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, VA XXXX XXXX  XXXX/XXXX/XXXX XXXX, FL XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, UTXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX, UTXXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX 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