BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-22
Company: DISCOVER BANK
State: TX
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:
This is a continuation of Complaint/case number XXXX. 

In the response from Discover on XXXX XXXX, 2020, they claim that the transaction was resolved and that a credit was posted to my account. To refresh you, I was trying to receive a refund for a cruise trip that was cancelled by the cruise line. The cruise line was violating the federal law and merchant agreement by not promptly returning the money I paid. 

In Discover 's letter, they claim that the refund was posted to my account. However, since the letter was written, Discover reposted the charge of {$4100.00} back on my account. When I called them about it, the claim that I am not due a refund and can not find the refund that was sent from the merchant, even though I have faxed to them paperwork from the merchant with the refund transaction information. 

I have made several calls to the individual who signed the XX/XX/XXXX letter, however, their voice mail box is always full and messages left in the generic voice mail box have not been returned even though they state that they will do so within one business day. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Fraudulent charges were placed with My BestBuy credit card ending in XXXX. This is the second consecutive month fraudulent charges were placed on card. The card has a XXXX  balance. 

Called company last month, reported incident, requested account closure and requested that no replacement card be mailed. I received replacement card, called BestBuy and they now claim their systems are down. I have had two disconnected calls. 

I have the card in my possession and have never activated card. What prompted this was an email I received from BestBuy/Citi stating my payment was due alert. I want the account closed and all charges waived. The charges are for {$140.00} due on XX/XX/20. 

I am a XXXX citizen and can not resolve this on-going problem. Please help me!

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 2020-10-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried numerous times to access the Equifax online system to unfreeze my credit so I can apply for a mortgage. Starting on XX/XX/ 2020. Their system said my password was wrong, but did not offer me the " Forgot Password '' option to recover and make a new password. The system locked me out. 

I then called their customer care numbers ( that's joke! ) twice and was asked a number of security questions, which I obviously did not answer correctly according to them ( their answers are not correct! ). They said I would have to fax my information to Equifax to get my credit unfrozen. Both people gave me completely different information about what was needed on the fax. I faxed my information on XXXX XXXX, 2020 requesting immediate unfreezing of my information. 

On XX/XX/XXXX, I am still locked out, when I call their " customer care '' numbers, after going through a series of questions to provide information, the recording tells me if can't identify me and hangs up. I sent another fax today to a different number. Haven't heard from them and my status hasn't changed. 

I can't get to a live person to talk to. At the other credit bureaus, I was able to change my freeze easily. 

Meanwhile, I can't apply for a mortgage, and time is running out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I previously mailed this company notification of the identity theft and did not hear a response ( although I mailed it to XXXX and to be fair they were hit by a hurricane a few days after ). I did not live at XXXX XXXX XXXX, nor have I ever. My address at the time was XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX. You XXXX call the XXXX Apartment complex and confirm that is where I lived. I never met or spoke to any representative from XXXX XXXX which is the apartment building located at XXXX XXXX. My apartment at XXXX XXXX XXXX was robbed and my identity documents were stolen. I filed a police report with the XXXX Police Department after the theft. The police report number is : XXXX Several utility and credit accounts were also opened in my name using this fraudulent address. I alerted all creditors who did an investigation and found the accounts were not opened by me and they removed the accounts from my name. I filed an FTC identity theft affidavit to alert to FTC to this fraudulent address being used in my name. Attached to this complaint are letters from creditor & utility companies that used this fraudulent address to open these accounts, my ID and the FTC affidavit. The police report can be confirmed by calling the XXXX Police Department 's automated system and entering the police report number.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: FISERV INC.
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
When I typed in my social and address on get my payment from the IRS, it says my check was mailed XX/XX/XXXX. It is now XX/XX/XXXX and I believe that my payment was sent via debit card without notice and was accidentally thrown away. The EIP card that I was going to receive looked like junk mail which may have caused me to throw it out.

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 2020-07-26
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
After multiple complaints about an internal error within the Discover application system and reporting the information to the the CFPB, Discover has blacklisted me from getting a credit Card from them. The sad part is that when banks, creditors, lenders need a bailout the government doesnt blacklist them. I had a Discover Card Back in 2018 never ever late and paid in full. Two weeks later they closed it. Since I reported it to CFPB they have chosen to retaliate against me by giving me the following reason for declining the card ( even though I get pre approved ) and I have never been late payment on my creditors is impeccable.

Thank You For Youre Interest In Discover We Could Not Approve Your Request Due To The Following : Status Of Existing/ Prior Discover Card Account I reported this to XXXX XXXX Executive Office Of Customer Advocacy whos job is just to reassure me that I am on the Discover Black List for Filing A Complaint. 

The matter wasnt even resolved but I do believe that I am currently being definitely discriminated against because of my current address and age too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX I contacted Harris & Harris , Ltd., as they are collecting for a ticket that XXXX XXXX had no right to issue, expired registration. My vehicle 's plates were suspended prior to my registration expiring. My XXXX XXXX and I spent XXXX days trying to figure out why my car was towed. After XXXX days I get a ticket stub mailed to me by XXXX. XXXX XXXX, my XXXX got the whole copy of the ticket. I asked him what XXXX  or XXXX signed that ticket? No XXXX  or XXXX list or appears on the ticket. This makes the XXXX vehicle that has been STOLEN from me by said XXXX XXXX. The XXXX one was a motorhome, I got the letter of error XXXX days after my home was auctioned off by XXXX XXXX XXXX  Now I have issues with XXXX XXXX as it all started from a release form that said tow company requested from XXXX XXXX XXXX. XXXX XXXX XXXX said there was no citation issued so there is NO NEED for a release form. Now after XXXX days I am being told that a {$50.00} ticket cost me my car the same as the error from my home. 
Please help the reference number from Harris & Harris is XXXX, the violation date on this form is also incorrect as my car was towed on the XXXX of XXXX XXXX, not XX/XX/XXXX. The ticket says the issue date of XX/XX/XXXX. So where did all these changes all of the sudden come from? XXXX XXXX is what they are avoiding here as it very plain as day and I am owed in access of over {$24000.00} from this SCAM. 

Thank You So Much XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2017-09-14
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland Funding XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX. They are reporting a XXXX XXXX. debt that was originated in XXXX from my XXXX husband that I never knew anything about. I never signed for this loan and I knew nothing about it. They are harassing me to make a payment but XXXX sent me a letter stating they dismissed the debt and I filled a dispute through XXXX and provided them with a letter from XXXX stating that the loan was fraud and asking them to remove it from my credit but Midland has refused to move it. On XXXX/XXXX/XXXX XXXX sent me a notice of account closure of this fraudulent account partial account number XXXX but Midland XXXX still trying to collect on it. on XXXX XXXX XXXX I called midland funding, but they are still insisting I pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2021-11-01
Company: NCB Management Services Inc.
State: MS
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:
NCB MANAGMENT SERVICES has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a serious concern - AGAIN - of what XXXX is doing with our escrow money. Last year ( XXXX ) we had to contact the CFPB for homeowners insurance fraud and escrow fraud on XXXX XXXX and it appears we have problems again. 

Here are the 2 problems : Our homeowner 's insurance is not {$460.00} as it states on XXXX 's online info. It's actually {$480.00}, we just received the bill yesterday - XX/XX/XXXX. 
Our last XXXX statement said we had an escrow balance of {$3600.00} on XX/XX/XXXX and today ( XX/XX/XXXX ) it states we have a balance of {$1600.00}. Our property taxes are only {$980.00} - which should be an escrow balance of {$2600.00}. I have 2 documents to prove this amount.

This is the 2nd time we have had fraudulent activity with this company involving our escrow balance and homeowner 's insurance. Lakeview Loan Servicing did not pay our homeowner 's insurance last year, trying to tell us we had to purchase their insurance for a maximum premium. They tried stealing our escrow money and until we contacted CFPB, we got it back. 

I emailed and sent in the 2 documents to XXXX complaining about this issue. Please investigate XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) This is the 2nd time we are dealing with this 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 2017-12-19
Company: BB&T CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
they blocked my account for no reason. This lady was being unethical and my son reported her and she is upset and place my account on hold for now almost 30 days for no reason. They have been provided all information and still have placed a hold on our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: LJ Ross Associates
State: NV
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Cavalry Portfolio Services is reporting two collections accounts that they re-aged to the date they began collecting on them. These accounts are 7 years past their initial date of delinquency, however Cavalry has re-aged them to have an open date and a new account number so they appear as newer bad debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
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:
Ussa bank and credit cards for military and veterans says i was late making payments. I was in XXXX. I had auotomatic payment and money was taken out of account. Right now they have said they are taking them iff but it has been a year. I am tired if companies that lie through there teeth. All is somebody needs to do is get credit report that shows not if paid or not but the credit reports that show money amount. I payed usaa in XXXX and then they say i missed paymemt in XXXX. I havent missed a payment in 30 yearscwith any credit cards. Also american XXXX says in XXXX i was late ine day on the last 3 payments. I can rememner what happened like yesterday but it would take 2 pages. I had automatic payments with them too. Why would you pay paymentdms on timevfor 69 months then all of a sudden with no changes on life or job make paymebt late one day. I was in XXXX   and got paid on 1st. The only thing that happens is there is 31 days in some months. I called them and asked why credit score webt down after i paid my car off with every payment in time. They are finance company and they made reason up why my score went down. It went down because i didnt have different credit types. They didnt know it and i took classes on credit. They made the late payments up because they dont give their own finance team credit reporting classes. 

I want legal dovumentstion from usaa credit and bank from FAIR CREDIT REPORTING AGENCY SECTION 604, 605, 609 AND 611.  To show you that I didnt make payments late. I was in XXXX  and thank XXXX i had automatic payments. These companies are triffling because i wrote bith of them and all 3 credit agencies for FCRA SEC 604 605 609 611. NOT ONE OF ALL THOSE SENT ME THE LEGAL  DOCUMENTATION SHOWING ME THAT THEY ARE CORRECT. I KNOW I AM CORRECT BUT IF YOU GET IN FIGHT WITH BIG COMPANIES THEY SEEM TO NEVER BECOME WRONG. BUT THEM NOT SENDING ME 604 605 609 and 611 they have to takev9ff credit reportvand they havent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Medical Business Bureau
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I would like to formally submit a complaint regarding the collection agency Medical Business Bureau. The company has reported three collections on my credit report without sending me any notification prior to doing so. As a consumer I have a right to receive notification from the collection agency and validation of a debt which the Medical Business Bureau did not allow me to do. I have reached out to this company about not receiving any type of correspondence prior to them reporting but have not received any feedback about my question. In return they send a bill. This company has violated my right as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: ARS National Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has been harassing me for weeks. REpeated calls, texts, threats about getting an attorney. I have asked them to stop contacting me and i received a phone call about me asking them to stop calling me. 

I have also told them if they didn't stop i would be reporting them to CFPB and they called me about that. 

They call from multiple numbers and the texts and calls continue to tell me they have my social security number and documents and to contact an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
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:
The credit card company Capital One is not updating nor removing negative inaccurate information back from XX/XX/2015. My balance for this card was paid in full on this date but is still damaging my personal credit score has I have reviewed from the credit bureaus. 

I have filed formal inquiries with Capital One and the three major credit bureaus. Providing all documented support that was requested showing my personal bank statement, cleared check for final balance payoff and letters from the law firm XXXX XXXX   XXXX, XXXX, that Capital One retained again showing proof that this has been paid in full since XX/XX/XXXX of 2015. 

Again I feel Capital One is liable and continues not to be cooperative in fixing this very important personal matter. 

Any help that your department can provide will be much appreciated. 

Many thanks

Company response to consumer: Closed with non-monetary relief