BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-30
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I accepted a pre-approval offer for the BB & T Bright card and was approved with an $ XXXX startling line. On XX/XX/XXXX I checked my XXXX XXXX  report and noted that a new account from BB & T was appearing. On XX/XX/XXXX I received an email that my new card was in the mail and would arrive soon. On XX/XX/XXXX the card arrived and I activated it using the automated system. I then attempted to set up online banking and received an error that the account was locked for too many login attempts. I immediately called BB & T 's customer service to fix this, and was told the account must be too new and hadn't been set up completely, and was transferred to card services. The rep questioned when the account was opened ( to which I responded that I had just received the card, the account is brand new ). I told her I was trying to set up online banking to manage my account and she rudely scoffed and said " ma'am, this account is closed. '' I asked what she meant since I had literally just opened it, and she said " it was closed by the risk department on XX/XX/XXXX, you'll receive a letter in the mail with details. '' While I am absolutely appalled by the fact that the bank would approve my PRE-APPROVED application only to immediately close the account, I can understand that underwriting has changed in this climate and on further review they may have decided I was too much risk. What I can not accept is that they have already started reporting the new account, which decreases my credit score due to the average age of accounts decreasing. It is not enough to simply close the account and report it as closed, they need to immediately remove the account from reporting, period, since it should apparently not have been opened in the first place. Additionally, as I would not have applied without the pre-approval, any inquiries that appear also need to be removed. 

I have reached out to BB & T via their CEO email line and received no response, hence the complaint.

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 2018-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Transunion poor displayed that they were charging {$20.00} for credit checking instead of a free credit report. They are not refunding the charge though I canceled within minutes of creating my account.

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 monetary relief
Consumer complaint received 2021-02-21
Company: EQUIFAX, INC.
State: AK
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:
Submitting my Complaint AGAIN and WILL CONTINUE to do so EVERY DAY until SOMEONE LOOKS at the documents and these two companies are REMOVED from my report or at the VERY least, reported CORRECTLY!!! 
Due to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had. The judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. 
2 years later, they decide to pass it off AFTER DISCHARGED BANKRUPTCY to a XXXX  for " collection '', which is totally ILLEGAL! Now, both XXXX AND XXXX are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! It is bad enough that my credit report is showing a bankruptcy that hurts me, but to now have these TWO companies reporting FALSE information and CONTINUING to get away with what is a CLEAR violation, is just baffling and infuriating to me! That has the ENTIRE point of Chapter XXXX and DEFEATS the purpose! 
I am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a lawsuit and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to me over my credit report. I have had ENOUGH! 
HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? 
LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! 

THE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: JPMORGAN CHASE & CO.
State: MO
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:
I performed the following actions when applying for a Chase XXXX credit card : 1. In early XX/XX/2018, I was in the process of purchasing two round trip tickets from XXXX  XXXX to XXXX XXXX when I saw the application link for a Chase XXXX credit card. The link clearly stated that I would be reimbursed {$100.00} toward the cost of my flights if I completed an application and made a purchase with the card. 

2. I followed the link and completed the application process. 

3. I was not provided instant approval and postponed my purchase pending receipt of a chase credit card. 

4. I received my card on XX/XX/2018, and completed the purchase of my flight tickets on that day. 

5. I met all the requirements listed on the application link to receive a {$100.00} statement credit. However, there was not a credit on my XXXX statement from Chase. On XX/XX/2018 I notified Chase of the issue. 

6. I exchanged numerous emails with Chase, however, they refused to provide my {$100.00} credit and have provided no explanation. The response I received was : " We're sorry for the inconvenience caused. It is not our intention to make it difficult for you to earn enrollment bonus offers on your account. We'd like to share with you that there are offers only available to customers on XXXX who are in the process of purchasing an airline ticket. The offer may be presented in a banner advertisement after the customer has selected to purchase a flight. '' In good faith I tried to meet all the requirements of the Chase credit card offer. Chase has refused to honor the offer terms. The explanation from Chase is that I should have filed the application on XXXX while in the process of purchasing an airline ticket. That is precisely what I did do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
When I started going to school back XX/XX/XXXX-XX/XX/XXXX, although I was a kid living on my own and working at a XXXX making $ XXXX/week, I was told that I was making too much money to qualify for financial aid and all could get were student loans. Hoping for a better future, I took out student loans and by the time I XXXX with an XXXX degree from XXXX XXXX University in XXXX XXXX, Florida, I owed around $ XXXX. Realizing that the big-salary-when-I-graduate story was a lie, I was unable to make my $ XXXX/month loan payment and when I contacted by lender, they told be to request a forbearance and that I should continue to do this as until by payment was less that XXXX % of my gross income. Not knowing how compounded interests work, I began deferring and interests started accruing. 25 years later, I now owe over $ XXXX in Stafford subsidized and unsubsidized student loans out of which over $ XXXX are for interests. At one point, aware of my daunting debt and the fact that I will never be able to pay off, I even contemplated XXXX since the dark cloud of a student loan of this magnitude is an intimidating prospect as well as very XXXX since the life of comfort that I had envisioned when I started going to school was now replaced by a life of need because of my student loan payments. This has affected me personally as well since who wants to get involved with someone carrying this amount of debt? I am now in an income-based repayment plan of $ XXXX/month since I ca n't afford $ XXXX/month ( which is what I 'm supposed to be paying ), but the burden of these loans is like a life-sentence in a financial prison for the crime of having wanted a better life and gotten an education. I have no regrets about having gone to school, but I do regret that I was deceived into believing that I would graduate with this incredible job and I would be able to pay off my loans. I regret that I was n't better educated on forbearances and compounded interests. And I regret that the student loan industry victimized students the way it does by calculating interests this way and charging such high interest rates for an education. There is no reason why anyone should owe $ XXXX in interests only!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: TD BANK US HOLDING COMPANY
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a XXXX XXXX Credit Card account in XX/XX/XXXX. 3 months later when the company didn't credit me the correct amount of rewards that they advertised when I opened the card and after having a bad customer service experience, I requested that they shut down my account because I won't be dealing with their company anymore. And so the account was shut down on XX/XX/XXXX, and I shredded my card and obviously never used it subsequently. 
Months later in XXXX, I receive a letter from them saying that I have late fees on a charge that was made on this account from XXXX XXXX XXXX 's on XX/XX/XXXX for the amount of {$27.00}. A charge that I never made! To even double check, I reviewed my order history at XXXX XXXX XXXX XXXX and I didn't find any orders that were made on that transaction date or for that amount. 
I contacted TD bank 's customer service to dispute the charge amazed at how somehow the card could still be charged even after the account was shut down?! They let me know that the charge will be disputed. 
Today on XX/XX/XXXX, I received a letter saying that after investigating the charge, they determined the charge was valid and reversed the credit on my account because apparently the shipping and billing of the charge were my address. 
But I never purchased anything on that date or for that amount or even mistakenly received anything from the dept. store!!! 
And It's their mistake for allowing a charge to be made on a closed account and they refused to transfer me to the fraud department. 

I had this card for all of 3 months and I never as much trouble with a credit card as much as this one or dealt with such an incompetent customer service!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
State: MD
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:
I filed a dispute regarding inaccurate items on my credit report. I sent a letter on XX/XX/2021 regarding unknown and incorrect items on my credit report. It has been well over 30 days and I have yet to receive a response or any investigation results. I feel like I am being ignored and taken advantage of. The following items should be deleted instantly because it has been over 30 days. This information is negatively impacting my credit standing as well as negatively affecting my peace of mind. This was done without my permission. Please remove the inaccurate items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Schrier, Tolin and Wagman, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, This letter is in response to notice I, XXXX XXXX, received of a debt being claimed against me. In accordance with 15 U.S. Code 1692g, I am requesting verification of the debt, including the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, who was this debt paid too, and evidence that I am legally responsible for the debt. Please consider this debt to be under dispute. If it is found that there is no evidence of this debt is under my name, then I request that all credit bureaus and appropriate financial institutions be made aware of a complaint will be filed to the respective local or federal agency. Additionally, I request that you cease and desist any future telephone communication. 

Please send all communication, by mail, to XXXX XXXX XXXX, XXXX, MD XXXX. 

I am aware of the request for payment by your company, and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 

Thank you for your cooperation, and I look forward to your response. Sincerely, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I received an email that my bank account balance fell below {$25.00}. Upon checking my account balance I saw there were unauthorized transactions. There were 4 cash withdrawals for {$100.00} and one for {$42.00}. I immediately called Bank of America and reported the fraud. The associate at Bank of America was able to spot everything without me having to explain it and put in the claim. He told me there'd be a temporary credit issued and when everything was done the temporary credit would become permanent. 

Approximately 2 months later having not received any correspondence from Bank of America they reverse the temporary credit and denied my claim. When I called to question why they did this they said they couldn't find a single transaction for the total dollar amount. Despite it being several transactions and their employee is the one who found them and put them in the system they were unable to identify the transaction. 

At that time they opened another claim and the Bank of America associate put in each individual transaction and gave me the same speech that this would be a temporary credit that wants to process with simply did it would be a permanent credit. 

On XX/XX/XXXX I was notified that they denied my second claim. When I called in to find out why they claimed the transactions were authorized by me and that my account balance never fell below {$2500.00}. I never had anywhere near {$2500.00} in that account. When I pointed that out to the associate on the phone they said they were not able to find when my account fell below {$400.00} despite me having received an email that says the balance fell below {$25.00}. 

When I explain to him that I was at work all day over an hour and a half away from where I work. So he asked me to fax in my timecard showing I was at work. I did this. I called 3 days later and there is no notes that he opened my claim for reconsideration. 

Everyone I talk to someone at the bank they say their investigators review all the information and make the determination. They say they can't pull the cameras on the ATM to prove that it wasn't me. So there's nothing I can do but have my money stolen because Bank of America denies my claim despite the fact I did not authorize these transactions.

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 monetary relief
Consumer complaint received 2015-06-18
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
We are receiving phone calls from the collection agency that says I owe money to XXXX a cable company from my old address when we moved we transfered the service to new address until last year and we switched to another company and all the bills were paid off ( they have the old address on file ) I contacted XXXX and spoke to collection department and they said that I do n't owe them any thing. 
I explain everything to this agency and they keep calling and every time it is a pain and waist of time and i am so sick of this situation Southwest collection is the caller from this phone number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2018-08-04
Company: EQUIFAX, INC.
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:
Equifax is still reporting a fraudulent account XXXX XXXX XXXX after I sent certified my fraud and police report, they are violating the FCRA federal law and section 601 which states that the credit has to block and remove any fraudulent information that is being reported on the consumer credit report. This is illegal and I will file a lawsuit against equifax if they do not remove the fraudulent account from my credit report. I have notified my consumer attorney and he is sure there will be a lawsuit filed for monetary relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
This southwest credit systems has been robocalling my parents home where I no longer even live literally XXXX times a day and each time has no information to provide i.e. What the debt is or what company they represent and who the debt is in regard to. They call from multiple phone # XXXX and have not contacted me once in writing about anything. This is illegal and has done nothing but disrupt my parents lives. I ca n't even figure out who they represent not to mention I do n't trust anything verbal with these companies as they are the ambulance chasers of debt XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: Southwest Credit Systems, L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
The debt collection agency recently called my employer to find me. When my supervisor stated that I was unable to receive personal phone calls at work the agent on the phone became incredibly rude, and while she did not use obscene or profane language she was incredibly unprofessional. It was incredibly embarrassing for me to have to speak with my supervisor about this issue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 2021-07-09
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
15 months ago I called my loan company ( LoanCare ) as I was experiencing financial hardship due to COVID-19. My account was current and in good standing. We agreed the best option for me and my family would be to put my loan in forbearance until my situation improved. XXXX assured me that since my account was current and in good standing it would be reported to all three credit bureau 's as such. I have been calling into XXXX on occasion ( at least five times ) to either check my status or extend the forbearance over the past 15 months and each time they told me that the account status showed current and in good standing and that that was what they were reporting. I recently purchased a car where I put $ XXXX down and my rate was XXXX XXXX. I am trying to take advantage of the VA 's recent decision to waive the VA 's rule of XXXX consecutive payments and refinance my house as my current loan is at XXXX  % and I have been offered XXXX XXXX which would be a significant cost savings and would offset the 15 months of forbearance. When the lender pulled my credit report they discovered that XXXX has been reporting me as 90 days delinquent each of the past 15 months while I have been in forbearance. This disqualifies me from refinancing. I called XXXX to validate what they have been reporting and they told me that they should have been reporting that my account is current and in good standing.. When I told them what they were reporting they informed me that I would have to submit this in writing and that they do not know how long it will take to resolve. I have submitted in writing per their process and they have failed to respond to my repeated inquiries as to how long it will take them to fix this and what the process is. Each day that this is not fixed the rates could go up and potentially impact me XXXX XXXX XXXX XXXX XXXX I recently tried to refinance my car to a lower rate and was denied due to this delinquent reporting by XXXX. I am wondering how many other vets they are XXXX over this way?

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 2018-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Capital One bank of a fraudulent application submitted with his information without his consent that resulted in an inquiry on his XXXX  credit XX/XX/2018. An official dispute of this application was mailed certified with return receipt to Capital One XX/XX/2018 however as of this date Capital One has failed to send a reply or an update concerning or even clearing this issue as fraudulent. This action is a violation of my clients federal consumer rights under the FCRA.

Company response to consumer: Closed with non-monetary relief