BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-08
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Attempting to communicate further with Citi has proved impossible. They refuse to help me via their secured chat, demanding that I call and speak to someone, which is extremely ableist and shouldn't be allowed. Further, they threatened to charge me a late fee even though I have no outstanding balance. This truly is not a bank, it's simply a scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: AFNI INC.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AFNI is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this account on my file. I never received any phone calls or letters in the mail regarding this debt. As soon as I found out I called and paid it. AFNI stated that they would delete this account and send me a deletion letter and I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Access Receivables of NC Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep receiving calls from Access Receivables Management in regards to a cable bill debt that is not mine. I have tried talking to them but they do not seem to want to hear it nor will they remove me from their robocall list. 
The acct # they are after XXXX The phone number they leave XXXX XXXX XXXX XXXX The phone number they call from XXXX XXXX XXXX XXXX Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
They offered Forbearance in XXXX with Covid- 19 hardship that I would have to pay lump sum come XXXX. I received a letter XXXX stating. Temporary Hardship Forbearance Plan ( " Forbearance Plan '' ) and now I was approved for Payment Deferral. Only approved for 2 months XXXX and XXXX. Come XXXX I still have to pay a lump sum of {$1200.00}???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: Experian Information Solutions 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:
I have accounts on my credit report that do not belong to me. I have attempted to resolve the issue but the companies won't respond. 

EXPERIAN - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$600.00} - XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2500.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$620.00} - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$650.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$69.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$130.00} EXPERIAN - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$600.00} - XXXX XX/XX/XXXX {$40.00} - XXXX XX/XX/XXXX {$130.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$600.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2500.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$620.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$69.00} - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$650.00} - XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$130.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$40.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
my account suddenly said overdraft XXXX XXXX that I wasnt able to use 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 2019-06-08
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following accounts do not belong to me. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX card services-XXXX I also did not authorize any of the following inquiries. 
XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX- XXXX EQUIFAX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX card service- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
In XXXX of XXXX, I signed up for a BOA XXXX  XXXX XXXX credit card with the promotional bonus being XXXX XXXX  miles and {$200.00} statement credit after spending {$2000.00} in 90 days. I met the requirement and was awarded the XXXX miles ; however, the {$200.00} statement credit never posted. I called BOA on XX/XX/XXXX and was told that I did meet the requirement, and my case would be escalated to " research. '' I received a letter in the mail 3 weeks later with a case number with instructions to call XXXX but no other details included. When I called that number on XX/XX/XXXX, the outcome was that I met the spend requirement but none of my transactions were with XXXX  XXXX which they claim was another stipulation for the {$200.00} credit. I unfortunately do not have any screenshots of my original promotion so I called the main XXXX line to see if a representative could confirm what the fine print on my original offer was. The representative explained the offer as XXXX bonus miles after {$2000.00} spend in 90 days but failed to mention the {$200.00} statement credit entirely. When I questioned her on the {$200.00} bonus, she confirmed that that is also mentioned ( why didn't she originally include this? ), and I have qualified ( this was the same outcome of my call in XXXX ). She said she would also escalate to " research '' and when I explained that that was already done, she then said she does see that documented about needing to have a transaction with XXXX  XXXX. I asked her why she all of a sudden could see this information when she omitted it before when I questioned about additional stipulations. Her response was that it was under a " different section '' of the account. I find it suspicious that I would qualify for the XXXX miles but not the {$200.00} statement credit- why would the qualifying criteria be different when the marketed promotion is bundled all together as " miles + statement credit ''? I am asking that BOA mail me the original fine print on the original promotion because I'm usually very careful about fine print and doubt it was there. It very well could be my own oversight, but my interactions with representatives at BOA give me reason to suspect that they are not being fair to their customers.

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 2019-06-08
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received notice of any debt until I found it on my credit called the company they said if I paid in full the would delete so I paid during that call and they still havent removed it from my credit I tried to call back and get some resolution they told me it would be there for seven years even after I paid and they said it would be deleted Im trying to get a house and its affecting my ability to they are very rude

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I get a call from a private number the girl on the line says that she is trying to serve me papers and needs to know when I will be available. I tell her im not and ask what it is for. She tells me she does not know provides me thw phone number XXXX and gives me case # XXXX. I call the number and anothet lady answers the phone and says she an answering service. She asks for my case # and the calls my by my first name and xfrs me ( if your an answering service how do you have my name ). A guy named XXXX answers the ph and takes the case number and asks how he can help. I advise I want to know why they are trying to serve me. I advise him that ive been scammed before and the previous girl gave me no details he said servers dont have that information he confirmed my name had me confirm my dob year he then gave me my month and day of dob and then my current address he said my file was down the hall with the attys placed me on hold while he got the file. Comes back on the phone and tells me that they are pursuing me for an old auto loan with HSBC for a XXXX XXXX that I had on XX/XX/XXXX that had a left over balance of {$7000.00} and that it is now up to {$17000.00} and they are going to file a 10yr judgement against me. My red flags are all over so I begin to ask him about thr collection practices as this debt was charged off with HSBC as they sold the car at .. He said you still owe the debt and charged off doesnt mean anything. This is not true as I work in a XXXX and I know the collection laws. I then ask him why have I never gotten notice he says that the address the company sent it to which i have not lived in over 6yrs ... He also states he mailed me a letter to my current address in XX/XX/XXXX of course I never got it. I ask him who he works for he states XXXX XXXX XXXX XXXX office is in Kansas but they are all over. I advise that i will be having an atty look into this and he states to have the atty call him at the same number I did ext XXXX. I went and did a search of the company and there is no such company .. I also did a search of the XXXX # and it comes back to scams ... So i call him back and ask why I cant locate the company he says that they dont publicly advertise and that the letter that i never got has the info. I ask who the atty is on the case he said one has not been assigned until i am served and they have not filed yet. I asked who thw debt buyer was he stated XXXX XXXX .. And then tells me technically he no longer can talk to me since I have an atty and will place a cease and desist on my number and that my atty can contact him. I go back and search the debt buyer who I have never heard of and it too has scam red alerts all over it. I have reached out to a law firm to cover my basis but I am also filing here as the FTC and AG both advise to file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: Tormey Bewley Corporation
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notice from The Advantage Group, a collection agency attempting to collecting an outstanding medical debt on behalf of XXXX XXXX XXXX XXXX XXXX from XXXX. Their letter requested that I remit {$4200.00} to their office to avoid further collection action. I know I have an outstanding balance with XXXX XXXX XXXX XXXX XXXX, but the amount I owe them is {$1900.00}, which is confirmed in a final statement from XX/XX/XXXX. 
I sent an email to this company on XX/XX/XXXX, and mailed them the debt dispute template letter from this site on XX/XX/XXXX ; however, I have yet to receive a reply of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My XXXX XXXX XXXX credit card is showing a late balance which is incorrect. 
XXXX has sent me a letter stating they contact all 3 credit bureaus to correct this information over 1 month ago, information is still showing incorrect on my credit report preventing my score to provide me with refinancing of my property. I am holding all 3 credit bureaus responsible should my refinance be denied or should it cost me to pay more than necessary in interest rate. Attached you will find the letter from XXXX XXXX XXXX XXXX department. 
This information must be corrected immediately. Credit bureaus are liable for wrong information that can cause financial harm to a citizen. I will hold all 3 bureaus responsible should I suffer credit discrimination due to wrong information on 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 non-monetary relief
Consumer complaint received 2023-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Illegal Reporting of late payments to my consumer credit reports without my permission. Violation of code 15 US 1666B- Billing error. 
Capital one, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: U.S. BANCORP
State: KS
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 applied for a US Bank card several months ago and was approved. It was advertised as 0 % on balance transfers for 20 billing cycles and 0 % on purchases for 20 billing cycles.

Our air conditioner recently went out, so we decided to put the new air conditioner on the US Bank card for the 0 % for 20 months. When completing the balance transfer, the months were never clearly disclosed when prompting through the system. Specifically, no months were listed, period. Their system refers the customer back to the original promotion.

When the account billed, it stated the promotional period of 0 % ends on XX/XX/XXXX -- that is not 20 billing cycles. Essentially, the 0 % applied from the first date of the first bill they sent out. They should have clearly disclosed this in the terms when I applied for the card and when the balance transfer was completed. Ordinarily, a company would clearly say the interest rate applied for the first 20 billing cycles. This would imply from them date the account was opened -- they would not simply say billing cycles. Billing cycles implies to the customer that it is from the first time the purchases was billed. 

I am sending a copy of the advertised promotion from XXXX. I am also sending a copy of the statement. If needed, I can send the written terms their system generates when applying for a balance transfer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30
Company: EQUIFAX, INC.
State: IL
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts  has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

( Original Creditor : ) XXXX ; ( Original Creditor : ) XXXX ; ( Original Creditor : ) XXXX ; Chapter XXXX Bankruptcy ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: OH
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 am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, XXXX the also have records of file the are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
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: Account information incorrect

Complaint:
Dear CFPB, all three credit bureau and XXXX XXXX, I have received a notice from the collection firm XXXX XXXX ( original creditor is XXXX XXXX XXXX ) suggesting I owe {$260.00}. This account was previously under XXXX XXXX and it was remove between XXXX and XXXX because this item as well as the original creditor were disputed, now this same collection agency that was REMOVED on all 3 credit files has re sold my account to a new collection agenct, who have threaten me and sent a notice that if I don't pay this debt ( which is not mine ) within 30 days from notice that " ... ..report this account on your credit history ... ''. So now I will yet take another hit to my score which is wrong, I humbly request since this account was already remove from the same original creditor XXXX XXXX XXXX. That it be remove OR not allowed to report false erroneous collection on my credit file, this debt does NOT belong to me. Also as all bureau are aware that I'am an identity theft victim, I would like to advice that I have received my results from XXXX that my Social Security number has in fact been found associated with another individuals account information, I have taken a picture of XXXX notice with the results I ask you also take into consideration this document for all other items in dispute. I also have attach more documents associated with notice receive and also more proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: WELLS FARGO & COMPANY
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX previously was opened to address Wells Fargo and their shady theft. They were able to confuse you like they did something when they only gave a minute credit amount to extra things they already owed for. As stated previously I called Wells Fargo fraud division starting back on XX/XX/17 to close my account due to activity being emailed to me that I had not initiated. 2 more times for a total of 3 I demanded the fraud group close my account and they continued to keep it opened, calling me every day for 3 months and sometimes 2-3 times a day. They finally closed the account but only because I refused to make yet another deposit to the account like I had done 2 other times only for them to eat up the funds and make yet more negative balances from whatever bogus charges they wanted to make up to get it there. They need to remove me from any negative XXXX  blacklist they've done by doing this like XXXX XXXX   and clear this account to XXXX balance and never contact me again.

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 2019-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Kohls closed my account, which I have maintained for over ten years. I called the company, and Kohls representative stated that the " consumer closed the account. '' I never permitted Kohls to close the account. Furthermore, only two months ago, I received correspondence from kohls saying that they cleared up any late payments due to bank error. I have proof of the documentation that stated that all late payments or any negative info on credit reports were removed, which were improperly recorded on credit reports by them. Kohls never sent written correspondence about the closure of the account and the only reason I found out my account was closed was when I attempted to make a purchase, the merchant stated the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
The absolute tragedy of Capital One and thinking that on my credit cars that reports to all the CRAs could actually close my account for Telling them that I had filed a report with the CPFB, Little they care of the discrepancy when I was told not to file for an authorized charges when thats exactly what happened. I submitted the report and they closed my account which no credit and reflects negatively on it. 

XXXX XXXX / XXXX has over 2300 complaints on the internet mostly for reinserting old debt as a form of extortion and despite the submission of the facts to you folks and the FTC these Companies seem to work together to make our lives difficult. 

As a single father was three dollars to raise I cant seem to let this happen since it is not just.

Company response to consumer: Closed with explanation