BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-23
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I am a customer with Barclay card us my arrival card number is XXXX XXXX XXXX XXXX my other card number is XXXX XXXX XXXX XXXX XXXX XXXX is my name date of birth XX/XX/XXXX social XXXX mothers madian name XXXX address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ny XXXX my complaint is that I told Barclay card that I had a emergencey do to bad weather and power outages in new york during noreaster storm that I needed to increase my credit line on both of my accounts to at least 7,000 or higher. ive been a good customer I made my payments on time even ive been overlimit on my account but I made my payments, I'm surprised that Barclay card us don't help their customers when it comes to an emergencey or disaster. they need to change their policy, also they constantly like to do hard pull on credit reports in order to do a increase that destroys peoples credit scores, other banks like XXXX and XXXX do soft pull in order to increase credit limit increases. it sad that I have a credit card with Barclay us, but I was in a emergencey hear where I needed gas and a increased to pay my sons school bill and they still couldn't help me here, they threw me and my kids under the bus, all I'm asking for Barclay card us is help me please help me hear and be more responsibly when is comes to a emergencey.

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 2018-03-23
Company: CITIBANK, N.A.
State: TX
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:
Citi announced a new policy that : Under this new policy, we will require new retail sector clients or partners to adhere to these best practices : ( 1 ) they dont sell firearms to someone who hasnt passed a background check, ( 2 ) they restrict the sale of firearms for individuals under 21 years of age, and ( 3 ) they dont sell bump stocks or high-capacity magazines. This policy will apply across the firm, including to small business, commercial and institutional clients, as well as credit card partners, whether co-brand or private label. It doesn't impact the ability of consumers to use their Citi cards at merchants of their choice. 

This new policy violates many American 's constitutional rights to purchase firearms and other legal firearm accessories.

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 2019-04-10
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing because Experian is inaccurately reporting that I have a bankruptcy on my credit record. This has adversely affected me.I have attached a letter from XXXX showing that this false reporting has caused them to change my credit terms.

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 2019-04-10
Company: Synovus Bank
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX- XXXX - is reporting on my credit for a debt that I don't owe, plus it is past the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
There are some accounts on my credit report that I do not recognize

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 2020-05-02
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Chase closed this account for no good reason : XXXX XXXX XXXX XXXX. Chase closed account around when unrecognized charges were reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for Public Loan Forgiveness after my 120th payment to Fed Loan Servicing on XX/XX/21. I did not hear that they received my application. I called in XXXX and was advised they received it and it would probably take 3 months to process. I called in XXXX and was told the same. I called in XXXX and was again told it would take up to 6 months. I received a letter from Fed Loan Servicing on XX/XX/XXXX acknowledging qualification for 121 payments and it also shows that I have made all necessary employer certifications. I again called Fed Load Servicing and they said it could take an additional 6 months to put the application through the vetting process with FAFSA. That would move approval up to XXXX. 
I have appealed to my Senator, filed a complaint with FAFSA, and FSA Ombudsman Group. 
I am XXXX XXXX XXXX working in a XXXX XXXX in Alabama in XXXX XXXX. This year was stressful, but I always thought I would retire in XXXX of this year which helped me get through. Now I am not sure when I can apply for retirement or XXXX XXXX XXXX ( must apply 1 month in advance of my retirement date ). 

I feel like all verifications have been made and am appealing for an investigation and request for expedition of this process. I have met my obligations in this contract and I need someone to hold the Department of Education in Accountability for the this back log.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX2021. After receiving mail from Toyota Financial Services with a statement balance, I sent Toyota Financial Services, requesting Validation of Debt pursuant to the Fair Debt Collection Practices Act on what was being reported to the Credit Reporting Agencies { Exhibit 1 } On XXXX2021 Toyota failed to respond in accordance with 15 USC 1692g ( b ) to produce any evidence which is a direct violation of Federal Law. { Exhibit 2 } Also, Toyota Financial Services ' written communication with a consumer didn't disclose that Toyota Financial Services was a debt collector attempting to collect a debt pursuant to 15 USC 1692e ( 11 ) In the same written response Toyota Financial Services stated false actions that didn't produce any evidence. Such actions from Toyota Financial Services was an attempt to lead to false belief that the alleged debt being reported to the Credit Reporting Agencies had been researched by their records they failed to produce. This is a violation of Federal Law pursuant to15 USC 1692j ( a ) Toyota Financial Services is also in direct violation with 15 USC 1692c ( a ) Communication in connection with a debt collection with their initial communication. 

Today, XXXX2021, I'm sending Toyota Financial Services my Affidavit of Truth along with Cease and Desist and I invoked my right to specified remedy. ( SEE Attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal Limited My Account and They Can not Tell Me Why PayPal I was limited due to suspicious activity which can mean anything or nothing. In my opinion, it is a mistake and PayPal does not admit that my account was limited unfairly. Their support staff barely provides any support. I found out that you can not even appeal the limitation. PayPal decides if you are allowed to use your account or not They decide if you have access to your money or not I would have not made such a big case out of it because I did not have all that much money in my account. 
I sent all my documents, and there is not any fraud or risk. if you don't want me get back my account is fine is like arbitration decision. 
I just want my money now. if you can 50 % now. 

My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: CCS Financial Services, Inc.
State: NJ
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:
On XX/XX/2020, CCS Collections added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also there was no written form of communication, contract, or signature for this accused debt at all shown. A bill without a signature does not validate the debt and anybody can send and say its mines. According to the FCRA, CCS Collections has violated rights as a consumer and I'm requesting legal action to remove this account immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed this on my credit report. Tried to settle it with the company since I have no knowledge of this credit card and did not have an account with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I submitted a dispute to my credit report to Experian. I received a response in XX/XX/XXXX and, on XX/XX/XXXX, I requested that Experian provide me details about how they had allegedly verified information in that report. I specifically requested information I am entitled to under the Fair Credit Reporting Act such as name and contact information of the person at each creditor who verified the information. I received a notice from Experian that since I had not submitted any new information, they considered the investigation closed.

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 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have send several letter pertaining to this matter already, along with copies of the police report. 
XXXX XXXX Account # XXXX Balance {$500.00} Opened- XX/XX/2019

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 2019-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
one XXXX XXXX XXXX account is reporting under my transunion and XXXX  credit reporting agencies, this is a fraud or inaccurate information reporting under my name, i had disputed this account and was removed from my credit file, but then after 7 months it reappeared, please i need you help to get to the bottom of this inaccurate reporting. i have attached my police report and the FTC report that shows this account number and the date was opened and the balance. this is not mine, needs to be removed as soon as possible. 
thank you for your cooperation

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 2018-04-23
Company: Williams & Fudge, Inc
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Williams and Fudge called claiming they initiated contact months ago, only after receiving the call did I find an email from them that had been sent months ago but contained little information other than an attached PDF with instructions on how to open it. No where in the email does it state that this is an attempt to collect on a debt and has so little information that I had initially presumed this to be a phishing email. 

It doesn't not seem fair or in good faith for a debt collector to " initiate contact '' with a purposefully vague email that requires downloading an attachment just so they can start the 30 day countdown over disputing the debt. It was not until months later, after the 30 days, that I started receiving phone calls notifying me about said debt. This appears intentional on their part in order to avoid having to respond to a debt validation letter. 

I was able to contact the school in order to verify that this debt was legitimate however as stated earlier this does not seem to be fair to the consumer and intentional on part of Williams and Fudge. 

*I currently can't attach a pdf of the email so below is it copied. 
Subject : Personal Business Body : Your eDocument is best viewed using the latest version of the XXXX XXXX - get it here Welcome to eNotice - Please review this email carefully. 
XXXX Authenticate Your Details : This attached document is intended and restricted to be viewed by : XXXX XXXX XXXX Dear XXXX XXXX XXXX, To open your secure document : 1. Open the PDF attachment.

2. Provide the last 4 digits of your SSN to open the document.

If you follow the instructions and are unable to access the attachment, then you may not be the intended recipient of this email. If you are unable to open the attchment, please use the instructions provided to unsubscribe. 

Sincerely, Williams & Fudge , Inc. 

XXXX Your eDocument is Secure This eDocument is encrypted for your protection. To view the document enter the Last 4 digits of your SSN in the Password field of the PDF. 


XXXX Get XXXX XXXX You'll need the XXXX XXXX to view your secure eDocument. Get it now. 

You may contact us at : Williams & Fudge , Inc. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX Unsubscribe Instructions Go here to unsubscribe : Unsubscribe Link Attachments area

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dovenmuelhle Mortgage bought my Mortgage from XXXX XXXX. XXXX XXXX. or XXXX, that bought my mortgage from another company ( XXXX XXXX XXXX ). All this happened in less than two months. Dovenmuehle is now sending me certified letters and daily mail saying that I am in default of my loan. ALL the payments were made on time for my loan. I paid XXXX XXXX on XXXX XXXX, XXXX for XXXX as they still owned my loan to the best of my knowledge. On XXXX XXXX I paid my mortgage for XXXX to this other company ( I have bank proof as the payment was made online : XXXX XXXX XXXX XXXX   ). Some time in XXXX I found out the loan was sold once again. The original mail was sent to a very old address and I only got this notice very late as the post office forwarded the mail. Once I figure out the new company I paid them ( XX/XX/XXXX ) through an online account I created. Since then I have made every payment before the XXXX of the month. Yet, after like 15 phone calls where I am assured all is good, I continue to receive very threatening letters. I faxed the information about previous payments and who they were made to them on or around XX/XX/XXXX. I keep calling and calling but nothing gets solved. They still think I own money that the other company ( XXXX XXXX or XXXX. XXXX. XXXX XXXX ) should have paid them as I paid them and on time and proof of those payments was faxed to them. I really need help. I worry so much about bills that were already paid and I did NOT choose this company. I pay all my bills on time and now my credit is ruined because of the lack of organization of this company. I hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: ONLINE Information Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/XXXX, I mailed XXXX XXXX a debt validation letter via priority mail. XXXX XXXX failed to respond and they failed to validate the alleged debt. On or about XX/XX/XXXX, XXXX XXXX  retaliated against me by reported the fraudulent debt to Multiple Credit Reporting Agencies, in violation of the the Fair Credit Reporting Act. On or about XX/XX/XXXX, I disputed the alleged debt and the fraudulent debt was removed from XXXX Credit reporting agency and I am awaiting the results from the other reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: DISCOVER BANK
State: CA
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:
1. I disputed the fraudulent charges made in the amount of {$15000.00} ( approximate ). 
2. Most of the charges were made overseas ; I have been in the States during those dates. I requested that the charges to be removed from my account. 
3. I have provided all of the necessary documents they required, such as police reports. 
4. I have reported fraud and disputed charges in XX/XX/XXXX. 
5. Discover sent me a letter in XXXX stating that they have concluded the investigation and will adjust all the charges.

6. On XX/XX/XXXX Discover sent me a letter stating no fraud and all the charges were put back into my account. 
7. Under Federal Trade Commissions FCBA rule, Credit card companies MUST FINISH investigation within 2 billing cycle. Discovercard took 5 months!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Just find this morning capital one inquiry was made without me known, I did authorized this inquiry, therefor I want it removed, it lower my score with XXXX by 70 points, please removed this inquiry and I notice more inquiries that are not mine XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX. XXXX  XX/XX/XXXX I do not recognize neither and did not authorized, there for I want them removed and deleted from my XXXX and XXXX I been working very hard to fix my credit report of all inaccuracies and unauthorized transactions, thank you this inquiries are in my XXXX and XXXX and also XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Adverse account reporting incorrectly on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent letters out certified over 60 days ago and have not been notified. as a consumer i feel like these clowns taking advantage of normal people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Mr. Cooper Group Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have sent prior request about a Mortgage reporting inaccurately on my credit report. There are plenty of errors concerning my account and the way this company kept its records. This account was reported by this company as being in a Bankruptcy Status since XX/XX/2011 however was never reported or updated to the Credit bureaus Please explain how and why this account was not reported correctly? I have sent more at least 3 request through the CFPB and they have admitted to this an other accounting errors on my credit report and stated they updated the payments but they have not

Company response to consumer: Closed with explanation