BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I received a letter from Equifax regarding a new address on my credit file which differs from the information they have. I called the phone number provided to inquire and provided name, address, SSN, DOB, and was asked to provide additional information. I then provided credit card information such as issuing bank, last statement balance. Then I was asked to provide previous addresses, employer and previous employers and was still told that I could not receive my free credit report, even though I asked that it be mailed to my home address. The issue here is that Equifax sent me the letter about an address change. I have lived at the same address for 40 years. The address they had on file is my work address. How did they get that information and why do they have incorrect information in my file. I can not even get a copy so I can dispute the information. I filled out the information in their online credit report request site, but received the message that the report could not be downloaded at this time. Equifax refused to give me my free annual credit report as required by law. They would not mail it to my home and it was not available for download.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Wells Fargo has called me at XXXX XXXX on XX/XX/18, XXXX XXXX  on XX/XX/18 and this morning at XXXX XXXX. They have my address in XXXX California correct, and I have repeatedly told them that I am on the West Coast ( as per the address on record ) and yet the calls are still outside permitted contact times. This is 3 times over the past month, and are not the only times they have called outside proper business hours. 
Each time I advise them I am in California.

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 2019-09-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit account with Synchrony Bank for purchase made last year at Rooms to Go ( account ending in XXXX ). Since XX/XX/XXXX, I have made monthly payments of {$48.00} ( minimal due on the account ). Payment history is as follow : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and today, XXXX. Each payment made was {$48.00}. This month 's statement indicated a past due balance and current balance, requesting minimal payment for {$160.00}. When speaking with customer service and also a live chat agent today, I was told that I made late payments, although, for the past 13 months, I have made my payments. I was informed today that the reason for the late payments were that I was paying my account ahead of the due date of the XXXX and making payments before a statement is generated ( penalized {$110.00} ). This is not acceptable billing practice. I also have two additional Synchrony accounts which I pay the exact same way, at same time. I pay majority of my bills at either the last day of the month or by the XXXX of each month as I have receive my income once a month, at the end of each month. I had asked Synchrony to remove all the late charges from my account, they only removed one, {$39.00}. I do not want to pay the additional late fees ; I was NOT late. I paid my monthly due payment of {$48.00} only today and I am now asking your assistance to resolve this issue ( which I consider to be fraudulent charges ). I did not make any changes to my Rooms to Go account with Synchrony ; I have been making my payments the same way each month, on their payment portal, and now all of a sudden they are charging me a total of {$110.00} in late fees. Their explanation does not satisfy me as it is wrong what they have done. I appreciate your assistance in helping me resolve my dispute against Synchrony-Rooms to Go. I hope to have a favorable response before the next statement is generated.

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 2018-07-11
Company: Franklin Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Today at XXXX XXXX XXXX from Franklin Collections called me for {$360.00} for XXXX XXXX XXXX XXXX. She stated its {$150.00} for equipment and services back in XXXX. She also stated that its going to hit my credit if I didnt pay. The equipment was returned to XXXX in XXXX and they have acknowledged this in XXXX. I told her this and the fact that I currently have XXXX. She began to lie and refused to give me the address to her company. She the retracted her statement and stated she said it was pending to hit my credit. XXXX refused to give me the account number associated with her company and the address. She went as far as to place me on hold to take another call and refused several times to give me the information. This matter was resolved almost five years ago. I currently have their services. XXXX then began to make up lies of me having to pay a fee to get services. I had to ask several times for the address, account number, and for this fraudulent collection to be sent in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions 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:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2019-09-01
Company: National Recovery Service, Inc.
State: MD
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:
1 ) National Recovery was paid more than a year ago and was off of my credit report. Why is it back? 

2 ) I did not close or have any intention of closing my XXXX XXXX XXXX XXXX account.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-01
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019, XXXX XXXX XXXX applied {$17000.00} in XXXX Loan Forgiveness to my student loan balance bringing the balance down to {$26000.00}, as shown in the documents I have attached. XXXX XXXX notified me by email and regular mail that my account was now in re-payment with the first payment of {$82.00} being due on XX/XX/2019 ( see attached ). They have not updated my credit report to reflect the Forgiveness payments, nor have they removed the " deferred '' remark either. I disputed this with Equifax. ( See attached ). Equifax completed its investigation on XX/XX/2019 and states that XXXX XXXX verifies the information I have disputed ( balance of {$43000.00} and payment status " deferred '' ) to be correct when the documentation I have from XXXX XXXX and live online access to my XXXX XXXX account shows it is not correct. This is hurting my creditworthiness and ability to secure a decent interest rate on a car loan. My car is 18 years old with XXXX miles on it! I need reliable transportation to get to work!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
on XX/XX/XXXX call capital one credit card for the XXXX time to get a late fee charge that i was told was going to be removed on XX/XX/XXXX. The person that i spoke with on the XXXX said he was not going to remove it. that it was my fault and did not care that i was already told that it would be removed. kept saying it was my phones fault. i did get very mad at him. and he just kept telling me that he was not going to help me. when i asked for a supervisor he said he wouldn't. he just kept edging me on. now they have closed my account and said i still owe them money. No one ever called to get my side. i get my account closed from a company that says a customer does not come first. i was mistreated by their rep. and i am the wrong one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This complaint concerns my request for a refund of a credit balance on my Costco Anywhere Visa Business Card by Citi. 

On XX/XX/20, I used this card to make a purchase of {$3200.00} from XXXX XXXX. The charge appeared on my statement of XX/XX/20, and I paid the full amount of the new balance on XX/XX/20. On XX/XX/20, I returned the merchandise in question to XXXX XXXX, who immediately refunded {$3000.00} to my credit card. This resulted in a credit balance of {$2100.00} on XX/XX/20. Citi 's statement for the period ending XX/XX/20 showed the credit balance in this amount. It gave the " payment due date '' as XX/XX/20. The statement also included an " account message '' saying, " Your account has a credit balance that is owed to you.... You may request a refund by contacting our... phone number listed above. '' On XX/XX/20, I called the number provided and requested a refund of the {$3000.00} credit. I was told that Citi " could not '' refund the full amount of the credit, but only the amount of my " account balance. '' This they defined not as the credit balance of {$2100.00} shown on the statement as of XX/XX/20, but the credit balance as of the date of my call. This amount, {$1800.00}, included charges made after XX/XX/20, which would ordinarily not be due until XX/XX/20. After a very lengthy discussion with a supervisor, it was agreed that a refund check in the amount of {$2100.00} would be issued, but the check that eventually came was in the amount of {$1800.00}. 

The result of Citi 's withholding the full credit balance from me is that they received payment for all charges made through XX/XX/20 on XX/XX/20, a full month before it was due. On the same date they also received payment for all charges made from XX/XX/20 to XX/XX/20, two full months before it was due. 

Section 10 of Citi 's " Card Agreement '' provides that " A merchant refund to your Account will post to your Account as a credit.... We'll choose how to apply the credit to your existing Account balances. If a credit creates a credit balance on your Account, we'll mail you a check for the amount of the credit balance. '' As I interpret this provision, Citi properly posted the credit of {$3000.00} to my account on XX/XX/20. Applying this credit to the existing charges as of that date, they were obligated -- even without my request -- to mail me a check in the amount of the credit balance as of that date. They did not have any authority to delay the refund and apply it to balances or charges that did not come into existence until after XX/XX/20. 

I respectfully request your investigation into what I understand to be a misappropriation of my funds and a violation of Citis own agreement.

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 2019-09-01
Company: Allied Collection Services, Inc. (Nevada)
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I would like to reopen this complaint against Allied Collection Services , Inc. and XXXX for having posted a derogatory remark on my credit report with about an account with XXXX. 

I have explained in my response that a long time ago I was going to transfer my services ( 5 ) lines to XXXX. That time the salesperson told me that all phone was compatible with their network. Once I went to the store this rude lady basically told me that none of the phones were compatible, so I contacted XXXX XXXX to cancel before the 30-day cancelation policy. They sent me an envelope with a box to return one of the phones all other phones were not from XXXX and they were fully paid for. 

I mailed back the device, in fact, two devices, I dont recall what promotion they were running but I returned a XXXX XXXX and an XXXX. 

Finally going over my just papers in the basement I found the receipt for the return and have proof that it was returned to them. 

I would like Allied Collection Services , Inc. to remove this derogatory remark out of my credit within 7 days of this notice.

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 2019-02-19
Company: RentDebt Automated Collections, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I rented an apartment from The Avenues at XXXX XXXX. I moved out and to NC in 2016. I gave a 30 day notice in writing 3 times because they kept losing it. I had the apt professionally cleaned and turned everything in to the office. A year later, rent debt automatic collections, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX begins collections for {$6500.00}. I disputed it on my credit report twice. Ive called The Apartments at XXXX numerous times, have left voice mails and have never been called back. I do not owe this apartment complex any money and want the resolved and off of my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Ditech sent me a letter in XXXX letting me know my escrow was short. After hours of investigation I found out my oroginal title closing attorney never paid my taxes that were collected. I finally got that money collected and sent it directly to ditch, letting them know about the situation. Called them to notify them that was the 6 months city and county taxes that needed to go directly to my escrow. And to order a escrow anylasis a couple weeks later so that my monthly payment should go back to where it was suppose to be. They did not do as I told them, and put half of my tax money in to my principal. Now they are calling me telling me my account is delinquent, its going to effect my credit, threatening me, and saying they cant order another escrow anylasis. They are adding additional late fees etc. after I was told to only pay the regular mortgage payment, not the increased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: Cawley & Bergmann, LLP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was used to open an account at XXXX XXXX. I informed XXXX XXXX that my information was misused and they still sold this debt to Cawley & Bergmann, LLC. This is illegal. It needs to stop. I researched the Federal Trade Commission and Fair Credit Reporting act. These practices violate the laws congress enacted to protect the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
To whom it concern, We went to make a payment on our Best buy account on Friday, XX/XX/XXXX, and were told they wouldn't take a payment because the account had been charged off. They gave us the phone number to contact on Monday, XXXX XX/XX/XXXX, which was to the Citi bank Recovery Department. The recovery department said they couldn't talk to us after until XX/XX/, when the account would be sold. We said that we could possibly pay the account off in full, but we couldn't do it a they store they said. We can't afford to pay them off, at this time. Our complaint is that we never received any communication from Citi or Best Buy, that we missed a payment in XX/XX/XXXXor XXXX, and that were in danger of having the account charged off. The account was last payed on XX/XX/XXXX, when we entered a payment program with Best Buy on the phone, and the payment was to be XXXX a month with no interest. We never received any communication that the account was late or in danger of going into a charge off state. They never contacted us by phone, or a written letter.

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 2019-09-01
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I had a credit card with XXXX and they never sent me a card, I received a statement in the mail yesterday and somebody had used the card fruadulently at a store in indiana and they made fraudulent transactions, my security was compromised and the card was mxed out in one day on XX/XX/2019. I had never received the card in my lifetime and somebosdy used it in another state. I called the company yesterdaty adn they were goign to file a report. today XX/XX/2019 i found that it was showing on my credit report negatively. I would like a fraud investigation completed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt from XX/XX/XXXX-XX/XX/XXXX Back then I wasn't to aware of how credit worked, nor did I receive counsel. Not only that but the information given on my report is incorrect and it took many attempts to reach these people to have them update the information. Even now when an account was charged off and XXXX XXXX these 3rd party companies still are on my report trying to get money from me. I asked for original signed Contract documents and they send me bills instead. Then tell the credit companies everything is accurate when it is not. I'm asking to at least pardon these charges and wipe them off my report so I have a chance to start a new. The companies are XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX  which I actually found out wasn't suppose to offer me a credit card in the first place due to my living in XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: HW Holding, Inc
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  has the following information on my credit report and it is not correct : States I am know as XXXX have never spelled my name this way Shows an address of XXXX XXXX XXXX XXXX TX XXXX have never lived in TX Shows a collection account from XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX. This does not belong to me. 

Shows an inquiry from XXXX. I did not authorize this.

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 2018-08-28
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I engaged a lender to start the refinance process of my home and gave that lender the right to pull credit reports for my wife and myself. On XX/XX/XXXX, I received an email from Ditech, my current servicer, indicating they received a notification when customers have a credit inquiry from another mortgage lender. Within that email was an incentive from XXXX XXXX with Ditech indicating that if we chose Ditech to refinance a {$250.00} Visa gift card would be sent to me. 

Such an incentive is an unethical way to obtain business as is any system set up to trigger an alert if a customer has a credit inquiry from another mortgage lender. It is an unfair and deceptive technique to use to obtain business and any incentive given for using a lender is unethical.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Since XX/XX/2018, Citibank has locked my card ending in XXXX " for my protection ''. After waiting a week for the letter that was repeatedly referenced through Citibank 's secure messages and phone calls with me, I faxed it to Citibank. Over the next several days, I was told repeatedly I still needed to call in even though the requested information had been received by them ( faxed letter request from Citi as well as SSN verification form ). I called Citibank several times in response to their secure messages stating that the matter could not be resolved through secure message, and only by phone. I was told every time I called that my card would still not be unlocked with no reason given except to 'wait a little longer '. If Citi only had to speak to me, why is the card not unlocked? Well as of 2 days ago, I was informed via secure message that Citi wanted me to resend the fax as it was not readable. This is over a week after the original fax was sent and confirmed received. Why was it confirmed as received if it was " unreadable ''?

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