BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-13
Company: BARCLAYS BANK DELAWARE
State: ME
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:
Barclay 's sent me a letter dated XX/XX/21 that if I didn't use credit card my card within 30 days, the account would be closed due to inactivity. A review online of my account on XX/XX/21 showed the account had already been closed. After calling Barclays Customer Service the same day, I found out that they closed the account on XX/XX/21 and would make me reapply to have another card. The credit line on the card was {$13000.00}, this has now caused my utilization rate to increase significantly, impacting my credit score. The representative didn't appear to know how I could formally file a complaint with his company, except to have somebody call me. He certainly didn't seem to know how to log any CFPB complaints internally. It's unclear to me how a company can send a letter saying I have a certain number of days to do something and then take action prior to allowing the given timeframe for that to occur. They also took away any points I had accumulated by closing the card.

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 2021-04-26
Company: TD BANK US HOLDING COMPANY
State: VA
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:
Please see attached document about terms and conditions with my TDBank Credit Card. I only enroll in credit cards that have a 0 % interest intro offer. This bank TDBank, according to the attachment, said I had zero interest for 6 months. It erroneously charged me {$7.00} interest in the first month. 

I think this credit card company is pulling a scam by sending out numerous amounts of terms and conditions letters. One to get you to sign up and then others to change the rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: EQUIFAX, INC.
State: CO
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: Other problem getting your report or credit score

Complaint:
On 2 separate occasions I have attempted to access and manage my credit freeze with Equifax. They have blocked my ability to do so online and through their automated telephone services. The first time I attempted to contact them in XX/XX/2020, the hold time was unacceptable and I had to hang up. The second time, the hold time was about 45 minutes and they still failed to help me access and manage my credit freeze without calling them and adhering to their telephone wait times. The other 2 bureaus have a much more customer friendly and timely service to allow management of a credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am enrolled in income based repayment with Navient on my federal student loans. They have a history of incorrectly processing the necessary paperwork, so this year I was very careful to ensure my renewal application was complete and filed with plenty of time for them to review ( over a month, possibly two months ). They failed to correctly process the paperwork. As a result, they booted me from the income based repayment program and in the process proceeded to incorrectly capitalize interest. They now assert that I owe more money than I actually owe, both as principal and as my monthly payment. I have called them at least 3 times about this, and remain without resolution. I know that the information that I submitted was sufficient, as it was identical to what was provided to other loan servicers who I submitted to for other student loans of mine.

Additionally, I was shocked to hear one of the Navient customer service agents ( " XXXX '' Navient ID # XXXX ) try to tell me that capitalization of interest is normal and correct as part of the income-based repayment process each year... that is false. Capitalization of accrued interest only occurs upon exit of the program. This man was either negligent or intentionally lying to me. I 've looked at a lot of information about Navient online and it appears that this is a pattern and practice for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
These inquiries are not mine, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Comerica
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I DISCOVER ON MY BANK STATEMENT, THAT THERE HAS BEEN A NUMBER OF WITHDRAWS THAT ADDED UP TO {$150.00} FROM MY DIRECT EXPRESS DEBIT CARD, FOR XXXX XXXX ACCOUNT THE WITHDRAWS STARTED BACK IN XXXX, I DID HAVE AN ACCOUNT AT THAT TIME FOR MY GRANDSON, THAT LIVE WITH ME, ONCE HE MOVED OUT XX/XX/XXXX XXXX HAS BEEN NO XXXX IN MY HOME, I HAVE CALL TO VERIFY THAT MY XXXX XXXX WAS CANCEL, I DO HAVE DOCUMENTATION FROM XXXX XXXX DEPARTMENT THAT THERE WAS NO ACCOUNT FOR A XXXX XXXX SUBSCRIPTION USING MY DEBIT CARD! I HAVE BEEN CALLING THIS DIRECT EXPRESS FRAUD SERVICES FOR TWO DAYS AROUND THE CLOCK, SITTING HOLDING ON FOR REPRESENTATIVE IN THE LEVEL 2 DEPARTMENT, NO ONE NEVER ANSWER THE PHONE THEN THE  OPERATOR SAIDS CALL BACK ANOTHER TIME!! I CALLED ON XX/XX/XXXX XXXX TO DISPUTE THESE CHARGES I DID FILL OUT THE DISPUTE FORM IN A TIMELY MANNER. I RETURN TO THE DIRECT EXPRESS FRAUD UNIT!!! ON XX/XX/XXXX I GOT A LETTER SAYING THAT I DID NOT REPORT THIS IN A TIMELY MANNER! WHICH IS NOT TRUE BECAUSE FROM XX/XX/XXXX UNTIL XXXX I HAVE BEEN SO SICK FIGHTING XXXX XXXX & XXXX AT THE SAME TIME! I WAS NOT ABLE TO TAKE CARE OF MY BILLS!!! DIRECT EXPRESS STOP SENDING MY STATEMENT BECAUSE THEY STARTED TO CHARGE A XXXX CENT FEE FOR MY STATEMENTS! I DO HAVE PROOF, THAT I CALL DIRECT EXPRESS IN XX/XX/XXXX WHEN I NOTICE THIS XXXX DATING ALL THE WAY BACK TO XXXX!!! THIS IS MY MONTHLY XXXX CHECK!!!! I DO -NOT OWN A XXXX! I DO NOT HAVE AN ACCOUNT WITH XXXX XXXX LIVE!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: World Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
World Finance In XXXX Texas Has Been Calling and Harassing My Ex Wife For The Past Six Months And Called And Harassed Her Again Yesterday And Ive Got One Payment left and thats XX/XX/2020 and It Will Be Paid In Full. Ive Called Them Numerous and Ask them to Stop And They Told Me They Could Do Whatever They Wanted to Do. So I want To File A Complaint On World Finance In XXXX Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: RGS Financial, Inc.
State: OK
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:
at this time they have to different collection companys reporting on a single account XXXX XXXX is reporting I owe XXXX to XXXX and rgs financial is reporting to report I owe XXXX to XXXX I have disputed and they removed account now rgs is placed back with out 5 day re insert notice and another collection account is added for 1 single account that was unverified. 
certified mail track numberXXXX XXXX XXXX XXXX XXXX- as they are aware you cant have to tradeline names reporting on a single collection account, that defimation of credit report and is unlawfull to low score, at this time I do entend to file suit on this matter you are in violation of the fcra.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: I.C. System, Inc.
State: MI
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 XXXX provided internet services at my previous address ... XXXX XXXX XXXX XXXX, Mi XXXX. In XXXX of XXXX, final payment resolved for the full remaining balance owed on the account for the services rendered, after the home had been sold. Harassing calls and letters from XXXX XXXX followed one month after services were disconnected by me and shortly before the final payment had been made. The company is stating that I owe money for equipment that was used for the duration of the internet services. There is not an existing or past contract that was signed or agreed upon, by me nor any other member of the household for the rental or leasing of the equipment at my home. I paid in full for the services and or any equipment as stated on my monthly bill. I have contacted IC Systems Inc. twice in writing regarding my dispute. I have specifically requested that they produce and submit back to me any signed contractual agreements where it indicates that I understood the equipment was leased, including amounts owed and other pertinent details. I have not received any responses back as of XX/XX/XXXX. To further add injury in my claim against this company, they are now reporting twice as a collection account, through a different company, XXXX XXXX Solution. For the same amount but with a different account number. I feel harassed and bullied by both companies in a retaliatory effort upon ending services. It is heavily affecting moving forward by falsely reporting to the credit bureau and not responding to my request. I need help and some resolve in this matter. I am asking that you demand from both IC Systems, XXXX XXXX and XXXX a proven contactual agreement, in which I am certain they do not have, or they remove both collection accounts from my credit report. I am hoping they will comply with your request. No company should be able to do as they wish in regard to falsely reporting to credit bureaus. I work very hard in keeping my credit payment history in great status and this is the only collection account on my credit report. Falsely reporting is intentionally misrepresenting my payment history which is FRAUDULENT.

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 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Im filing this complaint against XXXX trans union and XXXX credit reporting agencies. All three bureaus. I have tried reaching out to all three credit reporting agencies / bureaus about the inaccuracies, incorrect information Problems with company investigation pass 30-90 days passed. wrong information such as old address keep reappearing, identity theft fraud error, wrong employers, email address, public information on my credit report and criminal back, late payment history passed 7 years or more and about fraud and identity theft and alike. Wrong name and social security numbers, reporting the same information 8 times to my credit reporting. Since XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020. I have enclosed evidence of debts not mine and evidence of fraud and someone forging my signature on documents and all 3 credit bureaus has updated my credit profile with information that didnt come from me nor the creditors and I have written them several of times asking them to remove all emails that is linked to my credit profile through all third parties companies that does alerts and monitor my credit to my credit profile to stop the fraud. Street address thats 5-30 years old and someone has been repeatedly running my credit without my permission. All 3 bureaus has ignore to investigate, communicate me back to me with a veritable Petson that works at the disputing department to fix the situation.. They have lowered my credit score for no reason. They are in violation of the FRCA and they are violating my constitution rights and hurting my credit reputation. Injury and crippling me in major ways as a consumer. They fail to respond to any and all of my complaints. I will send all evidence once someone reach out to me via phone XXXX please. I need to make sure that the person that is writing letters are real and work with the 3 credit bureaus please

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 2021-08-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
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:
Inadvertently posted an incorrect mortgage payment. 

My husband made our regular payment to penny mac.

This mortgage pmt. was posted to penny mac XX/XX/2021 in the amount of {$1400.00} Unfortunately, the full payment due was {$1400.00} leaving the payment short {$19.00} I was made aware of this error on XX/XX/XXXX. 
This was a human error which I feel should be forgiven. 
I am devastated my 100 % payment history with all of my creditors is now 99 % costing me 70 points drop in credit score! I have reported my concerns to penny mac as well as XXXX XXXX the investigation result is verified as accurate. I am not satisfied with this result. 
The past due amount should reflect the amount that was past due which is {$19.00} not the full payment of XXXX " past due '' means past due. 
My credit report reads past due : XXXX, XXXX. 
My payment is XXXX XXXX and where do they get this amount from????? 
This is also incorrect. 
If they can't grant me one forgiveness I would like my report to adjusted correctly.

' PAST DUE XXXX ''. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-19
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:
On XXXX XXXX 2017 I called Equifax at phone number XXXX and spoke to a woman by the name of XXXX I expressed to her that I wanted to request method of verification under section 611 of the FCRA she quoted to me a portion of the law and stated that she is not required to provide method of verification I then asked for her ID number she stated she did not have one.I find it absurd that she would not provide me with a method of verification for a disputed item belonging to a XXXX # XXXX reporting on my credit report because if you get a response to your dispute from the credit reporting agency saying the disputed item was verified you have the right to request the method of verification under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The confirmation number she provided me for this call was XXXX  clearly she does not know the law and now Equifax is in violation of the federal law!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Ability Recovery Services, LLC
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: Account status incorrect

Complaint:
XXXX XXXX XXXX I send money weekly to XXXX for this account but it is not being applied as I was never informed that my debt was being reassigned

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 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists Please remove all fraudulent accounts as I have no knowledge of them. Due to the XXXX  data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.

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 2018-07-23
Company: Experian Information Solutions Inc.
State: MI
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 Multiple accounts showing on my report that do not belong to me from XXXX XXXX XXXX XX/XX/XXXX{$8600.00} XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX  {$1100.00} XX/XX/XXXXXXXX XXXX   {$800.00} XX/XX/XXXX AFNI {$590.00}XX/XX/XXXX XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXX {$180.00}XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX{$0.00} balance

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 2021-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
Capital One is not honoring the bonus offer for the Venture Rewards card that I applied for and was approved for in XX/XX/XXXX. The advertised offer was for up to XXXX reward points : XXXX after spending a few XXXX dollars in the first few months, then another XXXX after spending {$20000.00} within the first 12 months. 

I received the first XXXX bonus and called Capital One Venture customer service on XX/XX/XXXX, to find out how close I was to the second bonus. The representative told me that there was no second bonus offer associated with my account. I asked for and spoke to a supervisor, XXXX, and explained that the landing page for my application had advertised the XXXX reward point offer, that I had relied on this when I applied and continued to rely on it as I was using the card for purchases. He ignored this, asked no questions about what I had seen, and said something like " The Capital One reward bonus offer structure did not provide me with a second bonus. '' I asked XXXX to clarify whether he was refusing to provide me with the second bonus. He answered that he was refusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
letter is in regarding the inaccurate entry being reported under bankruptcy .I have repeatedly asked for evidence to support your reporting, but yet again, You have failed to provide me with a copy of any viable evidence submitted by BANKRUPTCY COURT. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, I provide the letter by UNITED STATES BANKRUPTCY COURT XXXX XXXX XXXX FLORIDA. 
I am again formally requesting to be remove from my credit report a the Bankruptct and public Records. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.

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 2021-08-08
Company: Sequium Asset Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
PLEASE REMOVE ALL INCORRECT ITEMS AS A RESULT OF BEING A Victim of IDENTITY THEFT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: CURO Intermediate Holdings
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received notice that a collection was added to my credit files. Per collection, payday loan was made in XXXX online. NOT accurate. I have been fighting ID theft for some time now ( See attached ). Ad Astra claims {$4100.00} is 180 days late from a Speedy Cash online loan ( how can it be {$4100.00} when their limit is {$500.00} ). I did NOT make such a loan request. Originally was told I was XXXX XXXX. Have now learned it was Speedy Cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: BANK OZK
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XXXX 2017 I asked bank of the Ozarks in XXXX Al for the pay off on my property and they told me that they cant give it to me in person that they have 7 days by new government law to send it in email. In this time they added XXXX to the pay off by attaching a charged off loan from years ago to it and also I payed my car off years ago and they did n't return the title

Company response to consumer: Closed with explanation