BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: GOLDMAN SACHS BANK USA
State: AP
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Transaction date : XX/XX/22 Amount : {$250.00} I am an XXXX XXXX stationed in XXXX. While vacationing in XXXX last XXXX ( XXXX ), I purchased a beer at an establishment. They proceeded to charge my credit card for {$250.00}. The correct amount should've been {$240.00} and that is the amount I am disputing. Unfortunately, I did not notice until I had left the country so I could not raise the issue with the merchant. The credit card company XXXX XXXX XXXX, which is serviced by XXXX XXXX ) outright refuses to send me the alleged evidence they collected to arrive at their conclusion. They chose to leave me in the dark and this is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: JPMORGAN CHASE & CO.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I called in on XX/XX/14 which was the XXXX day to make my payment for XXXX. i was advised that the check for my payoff will be backdated to XX/XX/14 and my credit will not be effected due to backdating the payoff. i spoke with sup XXXX ID XXXX today and she advised me that the rep did misinform me and there was nothing chase could do on their end to correct the reporting. had i been advised to make the payment that day i would have. i offered to send in proof of closing from XX/XX/14 with my new car as well as bank statement proving funds were available to make payment on XX/XX/14. i am begging for some assistance as my father is on this loan as well. he is a veteran and this could impact his clearance. this is my first time ever trading in a car so i was unaware as rep should have coaching me to make payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I called on or around XX/XX/2019 to close out my BestBuy credit card. I did not authorize the closing out of the account. 
I wanted to get a replacement card. Instead my entire account was cancelled. When I called to ask them to send me a new card I was told they would have to replay the recording of the original phone conversation. I made a follow up call after 7 days. When I spoke with them I was told they couldnt pull the original call and therefore would not reinstate my account. This leaves me with no option but to reach out for the help of 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 2017-11-06
Company: CITIBANK, N.A.
State: GA
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:
On XX/XX/XXXX an inquiry was made to my credit by CBNA and another to XXXX XXXX in DE on XX/XX/XXXX that I did not request or authorize. My assumption is that these were fraudulent attempts by some third party to open an account in my name since there were multiple inquiries to various companies on or around that date. No one at the card companies seems to be able to help me and keep forwarding me around to various departments. This was my second attempt to try and have this removed from my credit, Luckily no new accounts appear to have been opened but the number of hard inquiries is hurting my 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 2018-08-30
Company: Ad Astra Recovery Services Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 and XX/XX/2018 I notice AD ASTRA RECOVERY SERVICES balance {$330.00} on my XXXX XXXX XXXX XXXX credit report. I faxed over a letter requesting a contract bearing my signature to support this claim. I do not recall any account with this company. I would like this account remove due to the company failure to provide me with verification agreeing to this account with AD ASTRA RECOVERY SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: LEXISNEXIS
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:
XXXXNearly every account on my credit report still have inaccurate, incomplete information regardless of several disputes this year and a phone call today. They always come back accurate/verified and then nothing else happens. Failing to report things as important as opening date, closing date, highest balance, etc. as required to do. When asking who the 3rd party was that was verifying this information, the rep did not know who. From my research it appears to LexisNexis previously and now XXXX. When I look at my LexisNexis Report, the information does NOT match what is on any of my credit reports. The Bankruptcy Court said they do not report to anyone so the data is not coming from there and would be wrong anyway. Are the credit bureaus taking short cuts? *phone call recorded XXXX2019XXXX was a dispute, closed XXXX.19 stating accurate and remains. I found that to NOT be true. Over the last several months there were many, many errors I had to dispute. I did so via the mail, online and on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Due to unexpected circumstances I missed my XX/XX/XXXX payment due date. When I was able to make an online payment on XX/XX/XXXX I was advised that my payment due was {$650.00} rather than the {$330.00} scheduled payment. When I made the online payment of {$650.00}, the Home Depot/XXXX XXXX  web site displayed a text box advising me that my next scheduled payment was due on XX/XX/XXXX. In early XXXX I began receiving notices that my XX/XX/XXXX payment was past due. On XX/XX/XXXX I contacted Home DepotXXXX XXXX  and explained that I was following the information provided on THEIR online payment portal that my next payment was not due until XX/XX/XXXX. I also asked why they were demanding that I pay approximately three times my regular monthly payment in less than a one month period, and if so, why was I being charged over {$300.00} as a late fee when their credit agreement term clearly states a late fee of {$38.00}. The Home Depot/XXXX XXXX  representative had no explanation to my question and advised me they would submit my issue to the proper authority for review. I received a US Mail reply, dated XX/XX/XXXX, from Citibank that stated they had attempted to contact me to discuss the issue. The only contact I had received, prior to this letter, was to harass me about my XX/XX/XXXX payment being past due. I was never offered an explanation or answer to the issue I was having, other than that I was mistaken and that my account was past due. 
I have continued to make my regularly scheduled payment in a timely manner to uphold my share of the credit agreement. During this time, Home DepotXXXX XXXX  's response has been to continually harass me via phone, email, and US Mail, all the while refusing to answer my questions and concerns surrounding their faulty billing system and exorbitant fees. On XX/XX/XXXX, I received a notice from Home Depot/XXXX XXXX  that they have suspended my card privileges and decreased my credit limit by {$7000.00}, adversely affecting my credit score. 
As a taxpayer it is appalling, that after receiving over {$470.00} XXXX in taxpayer bailout money, this bank would be permitted to engage in such egregious, and outrageous business practices. Their attitude towards myself has been nothing more than, " you are wrong, pay up or we will destroy your credit! '' This abuse of power is simply unfair to consumers who feel we have no recourse. 
I ask that the CFPB please investigate the " Bullying '' of consumers by Citibank and hold them accountable for the damage inflicted on their customers credit history. 
Thank you for your consideration.

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 2019-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today ( XX/XX/2019 XXXX as of XXXX a debt collection company has called me from various numbers 15 times, today alone. The numbers and times are as followed : >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) x2 ( They called twice from this number in less than a minute ) >XXXX ( XXXX ) x2 ( They called twice from this number in less than a minute ) >XXXX ( XXXX ) x2 ( They called twice from this number in less than a minute ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) x2 ( They called me twice from this number in less than a minute ) >XXXX ( XXXX ) This harassing behavior has been going on for several weeks and has been getting more frequent everyday. 

Yesterday ( XX/XX/2019 ) they called me 16 times, as follows : >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) This behavior has been going on since the middle of XX/XX/XXXX. For the first few weeks, they only called a couple times a day, but this week they have been incessantly calling me, as you can see above. This harassing behavior isn't going to get them their money any faster. I will pay it when I can and as of now I just sold the only thing I own that has material value in order to pay rent. This harassing behavior is only causing me more emotional distress than I am already experiencing during this difficult and overwhelming time in my life and it isn't only unfair to me but it is also unfair to the poor souls that have to waste their time harassing me for the collection agency. 

I am unsure who the collection agency is because I can hardly understand the collectors when I am able to answer the phone ( which is rare because they are typically disrupting me at work ). However, I do know that the debt they are trying to collect is my credit card debt from Capital One. Hopefully that and the phone numbers listed above will help you to identify who the collector that is so terribly harassing me is. 

The collector has even called an additional 7 times just in the amount of time is has taken me to type this complain. 
>XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) That makes 22 calls today alone. 

Thank you for your time. Any help is appreciated because this frequent calling is blatant harassment and is completely inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: General Motors Financial Company, Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I recently paid off my debt with GM financial and have a balance of XXXX which are the remaining balance of the late charges. I have let this company know I lost my job and have no income. At this time ans over and over again as well as getting repeated calls this is going against my credit. I can not get a release of the title or negotiate for less on the inflated finance charge. I have been told if this balance is not paid by XX/XX/XXXX it will be charged off and I still will not have the title to my car. The calls are repeated each day over and over,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: TRANSWORLD SYSTEMS INC
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:
I requested validation from Transworld System Inc concerning and account on my credit report and they have failed to send me all the documentation I requested. I have uploaded the letter that I sent to Transworld System Inc. pertaining to this matter. I am a victim of identity theft and have been for some years. This account does not belong to me. I take pride in my credit and as a consumer this is utterly ridiculous that consumers end up being victims of identity theft. The burden is not on the consumer to prove its not theirs. Its on the collection agency that state they purchased the collection account. I requested numerous things for this collection agency to send me and they have not done so. If this is not rectified immediately I will be forced to seek legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Resurgent Capital Services L.P.
State: WA
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:
An account for Resurgent/LVNV Funding LLC appears on my credit report as a collection account with a balance of {$1500.00}. 

On XX/XX/XXXX, LVNV Funding LLC entered a judgement against me in the original amount of the debt, {$950.00} plus interest, fees and costs for a total of {$1300.00}. I had never received a subpoena from anyone. 

On XX/XX/XXXX a writ of garnishment was entered. Garnishments were taken from my paychecks until XXXX, XXXX and the judgment was settled. My paychecks were garnished for 6 weeks until the FULL balance of the account was paid. On XX/XX/XXXX, judgement was answered on the Writ of Garnishment. The balance was satisfied and the case was closed. 

Today, XX/XX/XXXX the account not only appears on my credit reports, the balance continues to be reported and has even gone up. I have disputed the account several times, but the issue is never resolved. I have never received verification of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15
Company: Social Finance, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2021, I received a referral invitation to apply for a SoFi personal loan. When I opened the link, I was prompted to fill in my information to check if I was preapproved for the loan. SoFi soft pulled my credit report and I was indeed preapproved, they displayed the amount and the interest rate I was preapproved for. Based on that, I decided to proceed with my application. During the application process, they requested that I upload live photos of the front and back of my drivers license, they sent a link to my cell phone that asked me for permission to open the camera and take the photos. The application went under review. On XX/XX/2021, they hard pulled my XXXX report. On XX/XX/2021, I received a phone call from XXXX at XXXX XXXX ET, I was at work and I couldnt pick up the phone. He left a voice message asking me to call him back. Five hours later, I received an email from SoFi informing me that my application has been denied because theyre Unable to verify my identity. I found this process to be very deceptive and unfair. I was already preapproved for the loan, they obtained my credit report, I uploaded LIVE photos of my drivers license and I was asked to provide my checking account information at another institution during application, this works as a second layer of protection because SoFi can cross-match the identity information of the checking account owner. Its worth noting that this loan was for {$5000.00}. I had 4 car loans in the past from 3 different banks, I never had an issue and none of them operates like SoFi. If you for any reason still want to verify customers identity, you could ask for photocopies of SSN, W2, or just wait for them to call you back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
customer service giving incorrect payment information customer service saying they will get back to you and never do attempting to collect late fees before payment is due App does not verify a payment was made successfully causing overdraft when you attempt to make payment again See letter to XXXX XXXX for more details : XXXX Dear Mr. XXXX, My father is a veteran, so I opened a credit card with USAA. I had heard that the service was outstanding and opened a credit card number XXXX XXXX XXXX XXXX. I attempted to pay the balance on XX/XX/XXXX. Your app appeared not to have taken the payment, so I tried again using a smaller amount. This caused an overdraft situation because even though the app appeared not to take my payment, it did which cost me over {$300.00} in fees and put me over the limit. When I contacted USAA to correct the situation, I naively thought someone would investigate and call me back, so I waited, and the account went delinquent. More delinquent fees piled up on the account and you ruined my credit by reporting me to the credit bureau. I had some serious medical issues which I am recovering from and I lost my job. 
Recently I asked for a reprieve for Coronavirus and as usual I never heard back from USAA. 
I am requesting the following actions be taken 1 ) Since the app mislead me into thinking the payment had not been taken I should be reimbursed the late fees. 
2 ) I am requesting that you notify the credit agencies using XXXX to remove the delinquencies you have reported on his account. 
3 ) In return I will set up automatic payments to pay this debt off as you can see I have been making payments in good faith. 
4 ) also asked for a Coronavirus deferral and as usual I have not heard back. 
I think this is a reasonable request. I would like a response within XXXX week and after that I will copy the consumer protection agency and perhaps, they will get back to me. 
Thank you, XXXX XXXX cc. Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
Washington, D.C. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/21 I wanted to contact Vanderbilt Mortgage back about the information they gave regarding contacting HUD to see if they were able to help me during my hardship due to Covid-19.I am currently 3 month behind since XX/XX/21. I spoke with XXXX XXXX about my situation. I told XXXX my unemployment stopped XXXX XXXX he did not believe me and went to my states unemployment page and told me that it did not stop and it didn't state anywhere on the page. From that point I felt he did not have any empathy towards my situation and basically made me feel I was lying. He continued to talk over me when I told him I have a job interview in a couple of days. XXXX continued to be very rude to me. I asked him his first and last name because I wanted to speak to a supervisor because of his actions. By this point I was livid because I could not believe the way he talked to me and continued ignoring my question about his name telling me he will not answer my question until I answer his.. He finally placed me on hold and no one ever came to the phone. I had to call back to get someone else that did not want to hear about my complaint but only wanted to talk about my balance. No one apologized but I called back again and was able to submit a loss mitigation request on XX/XX/21. During these unprecedented times I have loss my job, loss unemployment and had to deal with my daughter having XXXX. I am a very pleasant person and I have over 20 years of Customer service skills and clearly I was not treated like I should have been treated and this isn't the first time this has happened with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Santander Consumer USA Holdings Inc.
State: MA
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:
When all notes of a chapter XXXX were removed ( including the public record. ). Santander cont to report that I have a recent delingeincy. What Santander is reporting the the final payment from the chapter XXXX trustee. They are reporting the payment as my last payment prior to delinquency. My last payment prior to delinquency was XX/XX/XXXX. This inancuarte reporting tells creditors that I have a recent delinquency that is unresolved. This is not the case. My chapter XXXX was paid in full never missed a payment. No other creditor is reporting it this way. I have called Santander twice and sent A returned receipt request and 1st class mail outlining the relevant dates but nothing on all three credit reporting agencies have changed their erroneous reporting. I have all pertinent legal documents justifying the points made here today and they can be furnished upon request. All creditors final balances are paid back in XX/XX/XXXX or XX/XX/XXXX of XX/XX/XXXX. The last delinquency on all accounts were XX/XX/XXXX. I think its about time to let me off the hook on the account. Its the only one holdimg me back from rebuilding my credit. Could you please help me in getting Santander/XXXX/XXXX card services to report accurately. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation