BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-25
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2018 I called to attempt to settle my debt with XXXX XXXX. The agent was polite at first and outlined options for what I could do to pay. I informed her that I did not have the money now, but would have it in XX/XX/XXXX. She was aggressive about me paying, and then attempted to get me to pay some amount today. I informed her that I would need to speak to my wife and see our financial situation before making any such action. At that point, the agent became very rude and used aggressive language " You have a history of making promises and never delivering '' and repeatedly cutting me off, even as I strove to continue being polite and explaining myself. When I asked to speak to a manager or other personnel, she refused to put me in contact, repeatedly stating that they were at lunch ( at XXXX EST ) and could not be reached via voicemail. She then explained that she was not even the agent in charge of the call but that I did not have a choice in the matter, that I got whoever I got, and that if I did not pay today, there would not be a chance for a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I made an application for a mortgage with Navy Federal Credit Union and paid {$18.00} for a credit report inside the Navy Federal branch XXXX Florida. I received an email which assigned XXXX XXXX as my loan officer and uploaded my documents. I waited a few days before I reached out to her despite the email saying that she would contact me. On Friday XX/XX/XXXX> I briefly spoke with XXXX XXXX who stated she couldn't get me the original loan request but if I could accept a lower loan amount she would send the loan application to the underwriters. I waited a few more days and emailed her on XX/XX/XXXX at which time XXXX XXXX responded that my loan application was denied and that I would recieve a letter in the mail. Ive been waiting on the this letter since but have not recieved one. I called the customer service phone number for Navy Federal on XX/XX/XXXX to inquire about the denial letter, I was told that XXXX XXXX would email the letter by XX/XX/XXXX as the Mortgage person could not see what the reason was. I have not received an email or letter yet regarding the denial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: First Credit Services Inc.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
the rep I speak to has called me day after day. There are dunning laws that protect the individual from speaking to any debt collections and this company and its rep are in violation. 
For example we spoke on XX/XX/XXXX at XXXX XXXX  MST and talked about how to settle the debt and I was called again on XX/XX/XXXX at XXXX XXXX MST. 
There is a grace period that allows consumers and debt collectors to not have communication and when I asked about the dunning law she said she had no clue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Capital One Bank XXXX. XXXX  XXXX XXXX, VA XXXX XXXX XX/XX/2021 Capital One Response CFPB case XXXX InReCapital One Case XXXX Referencing complainant 's Account ending in XXXX previously ending in XXXX. 
NOTE The referenced account is the ONLY account which complaint has filed for action on. 
However, without specifying my Capital One 360 Bank Card ending in XXXX Capital One deceptively responded with the following -abridged- statement We found no errors in the servicing of your account therefore we respectfully decline your request for compensation. 
This response is from the Capital One Customer Advocacy Office XXXX XXXX When I telephoned this office I was informed that my account was in arrears. 

I am interested to know what if any independent conclusions were arrived at by the FR agent assigned to investigate my complaint and whether my submitting proof of my identity to Capital One Bank SIX times impacted their decision. If YES - How, If NO Why not?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: EQUIFAX, INC.
State: NC
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 contacted the debtors in XXXX 2017 and confirmed with the IRS, XXXX XXXX, and XXXX XXXX that none of those lines of credit and lien is mine. Then in XXXX 2017 I disputed them all in XX/XX/XXXX with all three bureaus but the bureaus did not remove them within my dispute request. I am filing a complaints against the bureaus for not investigating these debts properly as fraud. Please, help me resolve this matter so that these debts are removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company called LVNV is reporting on my credit profile and I do not have and contractual obligations with them. I have contacted several times about validating this debt that they say that I owe them. They have contacted relatives and they have contacted my employer stating that they are looking for me saying that I owe them. This is violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Aspen Yo LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
from XX/XX/2020 till today XX/XX/2020 I have sat on the phone for hours waiting on someone from my mortgage company GREGORY FUNDINGt o tell me why they had not paid my county taxes that is included in my mortgage. Since XXXX XXXX they tell me every time that they will make sure it is paid. I call back several days later to checkon it and it has not been paid. THEY WERE DUE XXXX  I called today XX/XX/2020 and it still has not been paid. 
How do I get away from this company. They are very dis organized. I have never been late paying taxes. This is bad business!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Bank of Americas policy to stop all access of credit to manufacturers and distributors of AR and Semi auto rifle and magazines scares me. The thought that a large company can force law abiding citizens out of business for conducting legal constitutional business is wrong. BofA had no problem taking the tax money for a bailout but now wants to decided who can earn a living. BofA puts thousands of American jobs at risk. I think that BofA should be charged for the bail out and the government should cut ties with BofA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Capitall One sent an offer entitled " 360 Money Market ''. It offered an interest rate of 1.60 % APY with up to {$500.00} in bonus cash. The account is referred to as " 360 Money Market '' in five different places on the written offer. It also has a quote by a Money Market customer saying, " Great Interest rate, super easy website to navigate, easy to open, EASY TO MOVE MONEY ''.

When I went to a Capitall One Bank to open the account, I was told that it had to be a paperless account. Next, I was told there would be no way to designate a beneficiary until at least the end of the summer. When I asked if I would be able to write checks on it since it was entitled " MONEY MARKET '', I was told NO. I was further told that it is a savings account and NOT A MONEY MARKET!!!

To me, this is outright intentional deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Lending Club Corp
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I had an account with Lending Club. I contacted their office and asked for a payment to be moved for a month. Moving the payment from XX/XX/2018 to the end of the term. I was planning to pay off the account in 30 days. I received a letter stating it had been sent to collections. I was very upset and contacted them immediately. I had never had a late payment. I did pay off the account in full XX/XX/2018. I asked that the 30 day late posting be removed from my credit to reflect " Paid in Full and Paid as Agreed ''. I thought this had been completed. I got a copy of my credit report yesterday and found that Lending Club had reported my account as 30 day late and paid in full. This wasn't handled properly on their end and they didn't follow the instructions we had agreed upon. I have not had a 30 day late on my credit. This is having a negative effect on my report. I ask that this mistake they made be removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: VW Credit
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
the rep I speak to has called me day after day. There are dunning laws that protect the individual from speaking to any debt collections and this company and its rep are in violation. 
For example we spoke on XX/XX/XXXX at XXXX XXXX MST  and talked about how to settle the debt and I was called again on XX/XX/XXXX at XXXX XXXX MST. 
There is a grace period that allows consumers and debt collectors to not have communication and when I asked about the dunning law she said she had no clue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: ERC
State: AL
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 XX/XX/2020 i called ERC spoke with a rep who offered a settlement of XXXX $ to have account removed and updated on my credit report. I never received email or an receipt for my payment. I called back rep advised me the payment was successful and account was noted but account wasnt updated in the systems that it was paid in full via settlement offer. Account is reporting incorrectly and hasnt been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, {$75.00}. Put a collection 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 explanation
Consumer complaint received 2018-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2017, i sent a certified letter to capital one regarding fraud on my accounts. i received no response within 30 days. recently i have been sent statements regarding my accounts showing all disputed charges. They show that i owe these charges. My accounts were closed as well. I had two accounts. One now shows a balance of {$5500.00} and another {$8200.00}. these accounts should be at XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Santander Consumer USA Holdings Inc.
State: AL
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:
I did not apply for credit with these companies. These companies are listed as inquiries on my report but I did not authorize them to pull mu credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: ALLY FINANCIAL INC.
State: AL
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:
I did not apply for credit with these companies. These companies are listed as inquiries on my report but I did not authorize them to pull mu credit information.

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 2018-05-06
Company: CITIBANK, N.A.
State: FL
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:
I tried to use my Citibank Prestige Card to make a purchase of a firearm at my local gun shop ; a place I have made several purchases with this card over the last 10 years. For some reason the Citi Bank Card continued to be denied. I have a {$35000.00} credit limit of which a balance of {$500.00} was on the card. I called Citibank and they said they see know problem with my card and it should be working properly. So once again I try to run the card and it is denied. So sick of dealing with it and to confirm the stores merchant equipment was not malfunctioning I used my American Express for the purchase and it promptly went through and was approved. On way home I stopped to get fuel in my car. Just to test I use the Citi Bank Card that was being denied at the gun shop and to my surprise the card promptly went through with no issues at the Gas Station. I cant help to wonder that my attempted purchase of a firearm at a gun store with my Citi Card and subsequent denial, is in not some way related to two recent releases from XXXX  XXXX XXXX and Citi Bank saying they may choose not to do business with manufactures or retail stores that sell firearms. Obviously a direct infringement on my 2A right, as well as trying to prevent me from engaging in a transaction that is completely legal on both sides of transactions. This to me seems way to much of a coincidence, and merits an investigation. XXXX walls are thin at banks and now I maybe tracked ( which in itself seems to fall in a very grey area of the law ) as a gun owner by the bank ( a bank that has took it upon itself to set social policy and discriminate against law abiding firearms owners ) which may effect any credit I may apply for in the future ie mortgage, auto loan, etc. Scarier so is there ability to share/leak my personal info to other like minded financial institutions and businesses. Essentially cutting off my ability to buy and sell goods in the free market all because I have been labeled a gun owner ; something that is not only legal but is an inalienable right as a citizen of the United States. I think these matters need to be looked into and scrutinized very harshly, along with the thousands of others that will be reporting a complaint similar in nature by both merchants and customers. The CFPB must as a government agency funded by the people to protect the people from unfair and abusive business practices like I have experienced. Must move quickly and harshly to stamp out this type of political discrimination against the citizens of this country, before it has a chance to take a foothold making it that much harder to backtrack these discriminatory practices.

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 2018-06-25
Company: eMoneyUSA Holdings, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I USED THE PAYDAY SERVICE TO BORROW XXXX DOLLARS MADE FIRST INSTALLMENT HAD AN ILLNESS NEEDED 30 DAYS TO GET BACK ON TRACK EMONEY WAS NOT ABLE TO PROVIDE RELEIF PUT A STOP PAYMENT ON ACH WITHDRAWL AND EMAILED THE COMPANY STATING WOULD BE CONTACTING AND SETTING REPAYMNET OPTION BEGINNING OF XX/XX/XXXX RECIEVED A CALL AT MY WORK NUMBER XXXX AND FATHERS NUMBER XXXX SPOKE WITH REP AND STATED ONLY CONTACT ME BY EMAIL, TEXT OR CALL XXXX CAN NOT RECIEVE PERSONAL CALLS AT WORK 7 DAYS AFTER THIS CONVERSATION STILL RECIEVING CALLS TO MY WORK NUMBER XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Experian Information Solutions Inc.
State: GA
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:
This accounts do not belong to me were opened without my consent or knowledgeThere are many errors within this listing. Please check the Date of Last Activity, Payment History, Payment Status and remove immediately or I will pursue further actions.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I opened a XXXX XXXX checking account XX/XX/22. And when it was approved, I received notification of application for the XXXX XXXX  XXXX XXXX XXXX credit card. I never applied for a credit card and never wanted another XXXX XXXX credit card, only a checking account. How a new credit card application was filed is beyond me. A hard credit inquiry on file on XX/XX/22 is fraudulent and not caused by me, XXXX XXXX. I called instantly on the same day the moment I saw it for XXXXXXXX XXXX  to stop the application and cancel anything related to the credit card application. On XX/XX/22 XXXX XXXX XXXX representative of the XXXXXXXX XXXX at XXXX XXXX XXXX contacted me, letting me know that he apologized for the experience and advised me to send in a request to XXXX XXXX  to remove it, but it was denied.

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 2021-05-31
Company: EQUIFAX, INC.
State: GA
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:
This accounts do not belong to me were opened without my consent or knowledgeThere are many errors within this listing. Please check the Date of Last Activity, Payment History, Payment Status and remove immediately or I will pursue further actions.

Company response to consumer: Closed with explanation