BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-20
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
So here is the story. In XX/XX/XXXX, not long before XXXX, I visited my favourite watch store, XXXX XXXX at XXXX XXXX and XXXX XXXX in New York. The sales person convinced me to put the XXXX watch I wanted on their store credit card, which is a TD bank card. The sales rep emphasized not having to pay interest for 24 months and misinformed me that if for some reason I can not pay off the full balance by the time the promotional period ends - which was XX/XX/XXXX - I will only have to pay interest on the remaining balance on the account, which is obviously not true. I thought I had about {$1500.00} balance left on the card and when I went online to make my payment, I saw that my balance was now almost {$3500.00}. I immediately called them up and they told me that the extra {$2000.00} was the added interest that accrued during the 24 months since I did not pay off my card by XX/XX/XXXX. I tried to make a deal with them and said I am willing to pay {$2000.00} at the time of the phone call and close the card and be done with it but they said no.

On Friday, XX/XX/XXXX at XXXX XXXX my wife called the phone number XXXX listed on the back of XXXX 's XXXX credit card. she was connected with a representative by the name of XXXX, to whom she explained the situation. She asked her to have the interest removed or reversed. The rep said she was not authorized to do so, so she asked her to connect her with her manager. After a little while, a male manager by the name of XXXX or XXXX came on the line and she explained the situation to him as well. He was very apologetic about the situation and he told her that she needed to put everything in writing and fax or mail the letter to the Department of Complaint. He advised her to make sure that she put down that I was given false information in regards to how the interest was being calculated. He also added that based on my payment history - I was never late with any of my payments and there were times when I doubled or tripled the amount I paid -only when I lost y job, I started to pay lesser amounts, but always paid at least the minimum due - the manager believed that based on my history and my current financial situation, the Department of Complaint should do something to ease the pain and reverse the charges. So my wife wrote a letter and faxed it to the Complaint Department on the same day, XX/XX/XXXX at XXXX XXXX. She was hopeful that it worked. However, yesterday, I received the letter declining our request. 

I have attached the following documents for your reference : 1. First correspondence the Request Letter to remove interest faxed to the Department of Complaint on XX/XX/XXXX & confirmation pages of fax sent.

2. Denial Letter received yesterday in the mail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-14
Company: U.S. BANCORP
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
in the mail i received checks for a loan to just write out yourself. there was a 3 % fee the 0 interest for 18 months. i called the company and asked them how it would work because i charge XXXX to XXXX every month and pay it off to avoid interest and i was told that as long as i pay off my total charges plus make the minimum payment i would have no charges. the first month I had a interest charge even though i paid my charges in full plus an extra {$200.00} on the no interest loan. I called and was told it use to be that way but now they apply the whole amount to the 0 interest. well that means you don't get a 0 % loan because they never pay off your high interest card and charge interest on that. now i received the second months statement with interest again. so instead of paying the 3 % to get a 0 % loan we paid 3 % on {$3000.00} and now have to 23 % on the credit card balance because they only apply it to the loan not the card you are trying to pay. so i paid 3 % so they can charge 23 % plus what i had to pay them for the loan

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 2020-09-16
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: 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 I'm 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 on 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit report from the credit bureaus. Unfortunately, I saw that you have recently begun to report me 90 days late on this account. what is not belong to me. 

Also, I saw some collection that was on there. It says that I owe you guys a lot of money but, I dont know what its for. My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.

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 2020-12-13
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
PayPal Payments XXXX To : XXXX Mon, XX/XX/XXXX XXXX XXXX XXXX  logo Dear Customer, There's a lot of choices out there but you singled us out and that means a lot. Thank you for placing an order with us. 



Transaction ID : XXXX Date : XX/XX/2020 Phone : XXXX XXXX XXXX Order Details Ttile Quantity Price Total XXXX Exchange x 1 {$470.00} {$470.00} Total : {$470.00} issue with the transaction? 
You have 24 hours from the date of the transaction to open a dispute. XXXX XXXX XXXX. 

********************* Above is a e-mail I received from PayPal (? ) I read it on Sat. XXXX XXXX. 
I have not responded to anyone about this. 
I really don't know what to do. I never in my life bought bitcoin. 
I remember using PayPal once in my life, I'm XXXX years old it could have been last year or 10 years ago. It scares me to even call the phone number listed above. I can't answer my phone now because of the scammers. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, I get them all. Can you tell me if someone should be called? What should I do now?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX, XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: Spring Oaks Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX, XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Having to submit & resubmit documents to Pentagon Federal Credit union because of totally incompetent " Contracted-out '' loan processing personnel

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 2018-03-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My company got into a contract with XXXX for credit card Merchant Processing the provider is a registered ISO/MSP of Citizens Bank. In XX/XX/XXXX I got my monthly charge for the transactions done for the month of XX/XX/XXXX. I noticed my charges where significantly higher than usual and more than what my contract states they should be. I called the XXXX. I finally go hold of someone and I asked why there was such a huge percentage discrepancy in fee charge. He told me that there was a XXXX dollar annual fee. I told him I was never told this plus it wasn't in my contract. He told me they only charge this once a year. This the second year in a row that this happens and I have to contact your Bureau to correct this. This doesn't follow the contract nor what I was told in the emails by the sales person. They are breaking the contract deal. This is unethical! I not only want this bogus annual charge of XXXX to be reversed but I would like a full audit of my account done from the time it was open. I believe they are not following the terms of the contract. I have the contract in PDF in three pieces so I could upload it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

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 2018-09-06
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2018 my home was sold at XXXX County, XXXX  to a XXXX Real Estate Investor in which he was XXXX. Why did Round Point Mortgage sold my house to a XXXX investor? To make it look like there is no Discrimination and Retaliation? 

XXXX Investor name is Mr.XXXX XXXX, he has text me and email me to vacate my once owned home and he has already file with the court to put me out on the street of XXXX as a XXXX XXXX XXXX and with a XXXX  XXXX. 
My home was foreclosed and sold on XX/XX/2018 during a VA Loan Modification and Round Point Mortgage used their Law Firm to bully me and put the house for sale at the aunction. 
Round Point Mortgage and Mr.XXXX  XXXX never provide me any documents on my home sold on XX/XX/2018. 
Round Point Mortgage law firm did their research on the Appraisal Value inflated by XXXX XXXX and XXXX XXXX XXXX of Texas to make a profit in 2015. 

My VA Loan was corrupted, fraudalent and in a scandal and Round Point Mortgage had to quickly sell the my home to cover up the corruptions. 
I email the XXXX, Texas and XXXX XXXX about the VA Loan corruptions of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and Round Point Mortgage. 
Does Mr.XXXX XXXX has a business partnership with Round Point Mortgage and their Law Firm? 
How much was my home sold and why I didn't get a restitution so I can find me a home to Nurse my XXXX XXXX.? 
I am not moving out of the house until I get a restitution for my new relocation to another state. 
I want a official letter from Round Point Mortgage Law firm in stating that no negatives will be displayed on my credit report with XXXX, XXXX  and XXXX and no debt of home will be recover as I had a Bankruptcy Chapter XXXX. 
I will release the keys and home once my request has been implemented and any restitution should be sent to Attorney XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.XXXX XXXX ' I will be moving to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
A payment was missed and I ij informed Synchrony bank that I would pay the full amount due before the next due date. They have continually called since then, 3 to 4 times a day.

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 2020-11-01
Company: EQUIFAX, INC.
State: NY
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:
To whom it may concern, My name is XXXX XXXX. There was fraud of some sort back on XX/XX/2020 someone tried to apply for a credit card using my name of some sort with XXXX XXXXXXXX I called XXXX XXXX and they understood I didn't authorize any new cards with them and was already a member. They had said since it was fraud and not me they would remove the hard pull from my file. It was on all my files that. They removed it on XXXX report but on Equifax report it is still there. I have attached pictures to show it was removed from transunion. Equifax it never came off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions 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: 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 I'm 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 on 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 the hands of the wrong person.

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 2018-09-06
Company: GVA Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was looking for a small loan at a time of need. I was contacted by this company through my email after my search on XXXX. The loan was taken out XXXX for a XXXX loan. I have paid back XXXX. I have searched and tried to contact them and unable to reach. I can not find a copy of agreement which was never sent. I have paid close to double. The interest is ridiculous and im assuming a year which would take this 5 times the loan. This company is not realistic and a loan shark.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Massachusetts Educational Financing Authority
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have made every payment since I re-fied my student loan debt from XXXX XXXX to XXXX/XXXX. My current job has not be able to pay me this month, and I am currently in the process of trying to find another one. I called XXXX  ( the servicer ) trying to do anything, and was flat-out told no, that there is no help for me. I have tried to help by warning them I couldn't make the payment but they are unwilling to work with me. I have worked so hard to try to repay, and to raise my credit score, but all that is going to waste because they can't lose one payment. They don't care whether I starve or can't make rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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:
TRANSUNION CREDIT REPORT : Report is showing the account XXXX XXXX XXXX with a Balance of {$100.00}. This account has had s XXXX  balance since the beginning of XX/XX/2018. It is showing correctly in the XXXX file. 
I have attempted to contact them and yo fill out their online dispute form but no success. I even emailed XXXX XXXX who instructiontef me to contact TRANSUNION directly and if no success file a complaint with you. I was unable to get in touch with TRANSUNION. I will attach a copy of the Statement for proof. Thank you

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 2018-09-06
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I opened a checking account with Golden One Credit Union on XX/XX/XXXX. I funded it with {$100.00} then on XX/XX/XXXX I deposited a cashier 's check for {$4000.00}. I waited and waited but never did receive my bank card. So, on XX/XX/XXXX, I called Golden One and they told me that they had sent out the card already. Then they told me that it had already been activated and used, all {$4100.00} had been withdrawn/spent. I filed a police report and filled out Golden One 's fraud paperwork. Golden One gave me a temporary credit, then they reversed themselves and said that I owed them {$4100.00}. They then sent me to a collections company called The XXXX XXXX XXXX. I sent them a copy of the police report. They then sent me a letter on XX/XX/XXXX stating : " Based on the information that you have provided, the original creditor and our company do not consider your dispute valid and therefore the collection process will continue ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

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 2021-10-10
Company: ERC
State: KY
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:
They have constantly flagged the same accounts multiple times to the credit reporting agency as collections which continues to drive down my score. It makes it seems as though it is a new report, but its just the same one.These are improper tactics they are using.

Company response to consumer: Closed with explanation