BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-29
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XX/XX/XXXX AFNI, Inc. reported a new debt in collections under my name to XXXX  Credit Bureau for an amount of {$1000.00}. The original creditor is listed as XXXX XXXX XXXX and the date the account was opened as XX/XX/XXXX. I have not been an XXXX XXXX XXXX customer since XXXX. I have not received any communication of any kind from AFNI , Inc. since this collection has been opened. A debt validation letter was sent to AFNI via certified mail and was confirmed to be received on XX/XX/XXXX. This letter was sent for the purpose of requesting more information regarding this account to confirm whether or not this is a valid debt collection attempt. I have not received any response to the debt validation request from AFNI as of today, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I saw an account for the Commonwealth Financial systems on my credit report, and after doing some research, the amount i " owed '' was for a hospital bill my workman 's comp paid for getting injured at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: RI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a call from the company. I didn't think the debt was mine. I asked for a copy of a bill and received an incomplete bill. They dinged my credit and my wife - currently the only negative information on our 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
Consumer complaint received 2019-08-21
Company: Experian Information Solutions 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:
XXXX  ; Experian and XXXX are incorrectly reporting me as an Authorized User on the XXXX/XXXX  partial account number XXXX. ( Please see page 4 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this from my credit report however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from 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 2020-09-08
Company: Choice Recovery, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Follow up to complaint XXXX. Choice Recovery did not respond or acknowledge the complaint filed in regards to Acct. # XXXX for XXXX XXXX for XXXX in the amount of {$170.00}. See Choice Recovery 's attached letter. They responded only to some other account called XXXX???? Another bogus account??

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: SUNRISE CREDIT SERVICES, INC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was contacted by Sunrise Credit Services on XX/XX/2020 at XXXX XXXX, about an amount owed to a previous debt ( XXXX XXXX XXXX bill was roughly {$190.00} ) I was contacted by an individual by the name of XXXX XXXX. When I informed him that I was going to be taking care of the debt with the original debtor. When I informed him of this decision he informed me that if I did this and the debt was put on to my credit reports, that this information would be put on my credit report " forever. '' Once he told me this, I immediately asked to speak to his supervisor, to which his response was : " There is no supervisor. '' I was able to contact the company again through the same number he contacted me through ( XXXX ) not 10 minutes after we got off the phone and was connected directly to the supervisor. I also asked XXXX XXXX where he was calling me from, and he would not give information other than he was calling from the XXXX, or that their headquarters was in New York. I know that debts do not stay on my credit forever after they are paid, but this is the predatory misinformation that is used to scam people into paying debts that they either can't afford, or might not even have. After speaking to the supervisor that WAS present, XXXX XXXX, She informed me that she will be reviewing the recording of our conversation. I don not know truly what will come of this, though I doubt anything will seriously be done.

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 2020-01-22
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I recently applied for two US bank accounts one secured and the other unsecured. I was asked to verify my information and I even called from the number on my fraud report. The Fraud department asked for documentation of Front and back of drivers license front and back and Social Security card and a bank statement confirming my address. I complied and faxed the information to the proper department only to find out that my application was declined because they were not able to verify my identity. I find it really peculiar that as a XXXX  individual I was denied and discriminated against. I provided the information only to be told that they decided to decline it. I sent all information requested and even called from the number on my XXXX credit report ( that was The report they used ).

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 2019-03-14
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I am submitting an additional document for the previous complaint : XXXX. 
These documents are letters from Ocwen loan # XXXX, stating that the loan is paid in full. The letter is dated, XX/XX/2019, the date I wired the payoff amount to Ocwen. 
As I stated in my previous complaint, after I paid off the loan, I received a letter stating, Oops! we made a mistake you actually owe us an additional {$7000.00}. 
Please add this document to the previous documents I submitted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2020-08-29
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX Visa Card is supposed to help consumers build credit. Recently while checking my credit I realized that my account was a showing a balance. I was upset because I have been paying my bill in full for the last couple months before the due date. When I inquired with XXXX Visa they told me it doesnt matter if I pay my bill on time they report your current balance. He suggested that I dont use my card until after the XXXX of the month. How can they report a bill that I have not received? Why are they not reporting that I pay my bill in full? This company is a complete joke for repairing credit!!! They are simply ridiculous!

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 2020-01-22
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Around XX/XX/2017 I was elated to be approved by Amex Green and two other products. Shortly after my credit cards were compromised by a previous roommate who had even made fraudulent payments. AMEX credit the fraud and I completely paid the amounts I had charged only to find out that they closed all my accounts. I was never late once and I paid for the products I had made with the AMEX cards. Since then I have tried a number of times to get my accounts reinstated but to no AVAIL. Is this how the AMEX banking system that is regulated by the FTC and Federal Government treats victims?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: Source Receivables Management LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Requested proof of debt with certified mail, was never received. Falsely reporting account as opened XX/XX/2017 which is in clear violation the FCRA. Never notified of this fraudulent account. Request this account be immediately removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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: Public record information inaccurate

Complaint:
This Bk which is clearly not mine is reporting on my credit file with Transunion. XXXX  and XXXX  have removed the error but Transunion still refuse to delete it.

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 2019-08-21
Company: PNC Bank N.A.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Despite being current on my auto note at all times, I have received numerous threatening and overt phone calls originating from an internal debt collections department at this bank. In spite of all attempts to stop these threatening phone calls ( including FDCPA cease and desist letters ), they continue each month. I have submitted several payments that have been utterly ignored, and one even was drawn and lost, which is still missing. 

Each month, internal collections from PNC bank contacts me to harass me into making a second payment to my auto note under the threat of " repossession '' should I not make immediate payment. This is in despite of a check, money order, or bank draft being faithfully delivered on time and in full on or before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Account has been active since XX/XX/XXXX. 

On XX/XX/XXXX - Comenity Capital Bank Closed account due to policy changes. 

Spoke with XXXX - CCB Manager on XX/XX/XXXX, He stated company changed procedure to close accounts with no activity for 18 months - previously this limit was 31 months. XXXX also stated that accounts between 16 and 18 months were issued a letter of intent to close. 

CCB did not notify any account holders between 18 and 31 months of intent to close. 

This violates the 45 day requirement for any major changes to credit card terms. 

This action was classified as a negative event on personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
I received 3 gift cards for {$50.00} each, but I lost them. I did not contact the company because they were a gift so I had no receipt to help me report them lost. I recently found them again in my house. I went to check the balance and it said {$0.00} on all three. All the money on my cards has been taken away by non activity fees. However, my cards are still valid, they do not expire until 2024. I called the number on the back of card to get information, but they say there is nothing they can do. They just filed a claim to the bank that issues the card, but they will not tell me how long this takes. The customer service agent just said I probably wont get it back, but I can keep calling to see if they returned the money. What kind of confusing information is this?

I asked to speak to someone in charge, but they refuse to connect me to anyone above them and there is no address on their webpage, just one customer service number. There is no complaint department or anyway to contact the main office. I want to report this company  because I really believe they are stealing money from consumers, with these fees on their gift cards. What is the point of buying a gift card if the company you buy it from is just going to slowly take it back until there is nothing left. I have read multiple reviews on several sites similar to mine of people buying gift cards from this company and having the money taken away. Most the reviews say the company does nothing to help. There should be a way of resolving customer issues.This just seems like a scam and it should be looked into. There should be a cap on the fees a bank can charge to gift cards, people spend hard earned money to give them as gifts.

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 2021-07-15
Company: EQUIFAX, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Call XXXX  due to them sending me emails about my account. Have the free credit monitoring with them. Gave my member identification with them and the were asking for my name, social security number, and date of birth. They kept switching back and forth from membership department to other departments. Tried to resolve this with them but, no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX # XXXX, Failed to inform me 15 days before i was to pay the new company of them selling my loan, it is now the 2nd i have not heard from sterns or the new company and i have no idea who i am supposed to pay as XXXX keeps hanging up on me. I can only assume at this point they are giving me the house for free or are illegally trying to take it out from under me by making it impossible to pay.

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 2018-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA-XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Capital One, Capital One Credit Card # XXXX I requested early assist customer service plan on XX/XX/XXXX and I got approved later dated on XX/XX/XXXX. 
( Letter attached your reference ). as per letter my APR 7.40 %, Monthly Minimum Payment {$92.00} and program terms apply account 2 billing cycles. 
Now already 3 billing cycles has been completed and APR 7.40 % not apply my account ( XX/XX/XXXX Statement attached your reference ) I called yesterday ( XX/XX/XXXX XXXX PCT ) Customer Service number XXXX and answered XXXX and I inquired about APR reduction my account and he said he can not see any letter issued on that day and I have to call Payment plan team on tomorrow. He not treat as a valued customer and I felt discrimination. 

I called today ( XX/XX/XXXX XXXX PCT ) Payment plan customer service number XXXX and Answered XXXX   and I inquired about why not apply reduction APR my account. 
He treated me so unprofessional and he didn't give positives feedback.He also says I don ' know what happens and he will follow up. 
I felt what happen Capital One.and it's seem like scam. 

Please investigate this issue and please adjust APR Reduction and Refund interest charge my account. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 already reached out to TRANSUNION, to XXXX XXXX and to XXXX XXXX and notify them of their error posting of information on my report. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received.

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 2018-02-04
Company: London & London
State: CT
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 try to contact london & london about a debt that i had no knowledge and try to explain that i didn't know about this debt or even the judgment for this debt that i got the judgment back in XX/XX/XXXX XX/XX/XXXX i didn't know really and when i try to ask london & london to show proof of the original contract with my signature on it and more information about this debt not just a copy of the judgment note of XX/XX/XXXX i live in XXXX  ct for any court dates it should of been in XXXX  ct and im cleaning out my credit report for the first time and to me this debt that i had no idea looks old debt i would say 9 years and i want this to be remove from my credit reports or show big proof with my signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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:
It has been numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific record in my document coming about because of the wrongdoing. The record I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I contacted this company on XX/XX/XXXX at XXXX because I received a call on XX/XX/XXXX through voicemail from a women named XXXX XXXX from a company by the name of XXXX XXXX XXXX that it was an attempt to collect a debt. I called on XX/XX/XXXX and gave them some pin number XXXX left on my voicemail. I was told that I had a debt of XXXX and something and they were collecting on behalf of citizens bank. I never received a letter in the mail verifying any information that I have a debt with company. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent. I would like verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment.

Company response to consumer: Closed with explanation