BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-03
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have set up the payment to have the company have the the first payment come out the ACCOUNT ON THE XX/XX/XXXX. THE LAST ONE XX/XX/XXXX. THE ARE KEEP CALLING MY NUMBER AT XXXX, MY GRANDMOTHER HOUSE AT XXXX LOOKING FOR MY FATHER AT XXXX XXXX WHO IS NOT ON THE CREDIT CARD. I ASK THEM NOT TO CALL HIM BECAUSE I AM AWAY AT SCHOOL. PLEASE HAVE THIS COMPANY TO STOP CALLING WHEN THE PAYMENT IS SET -UP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I had a payment scheduled that was denied due to NSF. 
On XX/XX/XXXX I spoke with a company rep and made a payment arrangement over the phone in the amount of {$84.00}. It was my understanding it would be credited to XX/XX/XXXX. On XX/XX/XXXX I made a payment of {$250.00}. I expected it to be the XX/XX/XXXX payment. 
My credit report is showing that I did not make a payment in XX/XX/XXXX. 
I just called the customer service number and the lady was all over the place. Did not seem to know what she was talking about and couldn't keep straight what I was saying. 
She went so far as to say the company never reports incorrectly. 
I am trying to get a mortgage and this reporting is very damaging to my credit report. 
I really dislike being led to believe one thing and then something completely different happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery is attempting to collect from an account that is assumed owed by me. i have asked Portfolio Recovery to send me documentation that bears my signature that shows i have a binding agreement with such said account. Portfolio Recovery has sent a billing statement rather than a contract that shows a binding agreement as i have asked for. anyone can print out a billing staement, but a actual contract that shows a binding agreement and with a signature is different as it shows a contractual obligation and verifies the account. i believe that they are attempting to collect on account that they can not prove that legally belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX XXXX  I opened an account with Citibank with their promotion of $XXXX after depositing $XXXX,XXXX cash into checking and savings. Within 2 weeks, and well within promotion guidelines, I wired $XXXX,XXXX into the account.I have been trying for over a year to get both my promotion $XXXX   credit AND my full $XXXX,XXXX back from them. Countless hours, phone calls, escalations, and still it is completely unresolved. Please help me escalate and resolve this blatantly fraudulent promotion offer by Citi.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 monetary relief
Consumer complaint received 2019-03-13
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:
This account was paid in full and still it has not been updated to the credit bureaus it's showing that I ower {$890.00} and I don't owe anything on this account. Please update this account and remove any delinquent payment history associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Just about a year ago I finally ( with some browser related difficulty ) was able to use my online account at XXXX to obtain the first of two free credit reports. Using that site has since been clear sailing. XXXX  now offers six free reports per year as noted in an update to the FTC article at https : //www.consumer.ftc.gov/articles/0155-free-credit-reports. That squares with what is presently offered through my account at XXXX. 

CFPB may be aware that Experian now appears also to offer more or less directly, from Experian Consumer Services ( ECS ), at least one free credit report, at https : //usa.experian.com/registration/? offer=at_frsas102 & br=exp However, is CFPB aware of Experian 's Terms of Use Agreement , accessed with the link at the bottom of the " Registration '' page above, at https : //usa.experian.com/registration/ # /termsOfUse? 

Specifically, in Terms, in the first of the last two paragraphs under FCRA DISCLOSURES : " The credit report you are requesting from ECS is not intended to constitute the disclosure of Experian Credit Bureau information required by the FCRA or similar state laws. " Well! After perusing DISCLOSURES and not being an attorney, I have come away uncertain as to just what I would get if I registered as above. DISCLOSURES states that the report from XXXX is " comprehensive. '' But what, specifically, is the difference between the report offered above and one that complies with the FCRA? 

As yet, I have found no such distinctions in the XXXX Account Agreement and Terms of Use, at XXXX XXXX XXXX  or in my report from XXXX XXXX XXXX XXXX XXXX 
Yes, it is true that XXXX  offers several distinct options including " XXXX/FCRA '' at XXXX XXXX XXXX XXXX XXXX 
But, that appears to be more about the " circumstances '' under which a report is requested than it does about the information contained in the report provided. 

It would be nice to be guaranteed at each company a FREE credit report that was substantively the same as the so called FCRA report, through A UNIQUE ONLINE ACCOUNT AT EACH FOR WHICH I HAVE REGISTERED. 

Can the CFPB shed any light or, perhaps, a little force on Experian 's Terms of Use Agreement?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Threaten to keep making negative impact on my credit until I pay. I informed it wasnt my debt indenity was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
The credit card company has reported 3 late payments on my account from XX/XX/XXXX - XX/XX/XXXX, when I had supposedly been on autopay. My account has no further errors and always remains in great standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX, TX XXXX -- -- - XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- ALL THESE ADDRESSES ARE NOT MINE ***FCRA Violation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX {$8700.00} XXXX XXXX XXXX {$320.00} XXXX XXXX/XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1000.00} < -- - ALL THESE ACCOUNTS ARE NOT MINE. FCRA Violation

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 2020-10-15
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX I, XXXX XXXX XXXX, ran my credit report for the first time in my life. I ran this first with XXXX  and then also Experian ( both attached ). On both of these reports, I found a Credit Card account  beginning with XXXX, and ending in XXXX with XXXX XXXX XXXX that was opened XX/XX/XXXX. This account had a credit limit of {$3000.00}, a balance of {$19000.00} ( same as amount past due ), is being shown as CLOSED by way of CHARGE_OFF, with a Date Closed on XX/XX/XXXX. 

This is a credit card I never applied for, never received, or was aware of the existence of. I also became aware, under the personal information section of the reports, that there was an address listed in XXXX IL that I have never seen or heard of, or resided in, and a phone number, that I also have never seen before, owned, or used. Both of these are listed below : Address : XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX Address ID # XXXX Apartment complex Phone Number : ( XXXX ) XXXX The advice given to me was to first call XXXX  XXXX XXXX and all three major credit bureaus. I first called XXXX XXXX XXXX and filed the dispute/fraud claim, which is claim # XXXX. When I was on the phone with a representative of XXXX  XXXX XXXX, I was told the account was associated with the address and phone number listed above. 

I then followed up and filed the below-listed disputes : XXXX  # - XXXX Experian Alert - # XXXX XX/XX/XXXX - ( Did not receive dispute #, XXXX post-investigation docs attached ) Identity Theft FTC Report - # XXXX Today, XX/XX/XXXX, I filed a CPFB complaint addressed to XXXX  XXXX XXXX and am now following up by filing one for Experian, XXXX, and XXXX. 

After filing this dispute, I received a letter from XXXX  XXXX XXXX dated XX/XX/XXXX ( I've attached the letter here ), which states : " After a review of details you provided and a thorough investigation, we've concluded that no fraud has occurred. As a result, you'll be responsible for any balance on the account in accordance with your account agreement. '' I also received the attached documents from Experian, XXXX, and XXXX  with teh results that the account is " Verified as Accurate '' and " Verified that this item belongs to you. '' I am claiming this credit card account is a result of identity theft. I understand these credit bureaus need to communicate with the financial institutions in order to generate the results of a dispute. So I am asking that they consult with  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX addresses the CFPB complaint ID - XXXX.

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 2019-03-13
Company: FORD MOTOR CREDIT CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I co-signed with Ford Motor Credit ( FMC ) for a former business partner, XXXX XXXX. He filed bankruptcy and included the lease in his bankruptcy. FMC never contacted me when he quit paying. It wasn't until I began to refinance my condo in XXXX, XXXX that I was made aware of the debt by XXXX XXXX. I contacted FMC and was told I would need to pay {$1100.00} to close out the lease and relieve the debt. On XX/XX/XXXX, I wired that amount to FMC and released the debt. At that time, they had still not repossessed the vehicle from Mr. XXXX and the lease official terminated in XXXX, XXXX. I also confirmed with the FMC Customer Service Rep that, according to the account/call activity notes, I was never contacted by FMC about the debt. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, a debt collection attorney, on behalf of FMC for an additional {$6700.00} for " wear and tear '' and " excess mileage '' on the vehicle. Again, never contacted. I contend that due to FMC 's willful inactivity on this account to repossess the vehicle at the time of the bankruptcy or the original termination date of the lease, these charges are the result of Mr. XXXX essentially having a free vehicle that somebody else, myself, is liable for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-21
Company: EQUIFAX, 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:
I sent a Certified letter to all three Credit Bureaus and the XXXX XXXX and never received any documentation with Validation that this fraudulent credit was mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-30
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My father have a problem with Popular Bank in Puerto Rico. 
My father is XXXX years old, Im his daughter and I suggest to him to open the MyBank app to make his payments, to avoid the process of going to the bank due to the covid situation. Sou, the problem is when I check his accounts, I see some transactions with the name of XXXX, in total 5 transactions in 1 month with the total of {$1300.00}. In-authorize transactions ( the bank at no time call and inform about the transaction with the client ). Sou I decide to investigate, since when my father have this transactions. Since XXXX XXXX my father have this trouble, in total 14 transactions with a total of {$1600.00}. 
XXXX XXXX {$29.00} XXXX XXXX {$18.00} XXXX XXXX {$70.00} XX/XX/XXXX {$7.00} XXXX XXXX {$25.00} XXXX XXXX {$12.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$75.00} XXXX XXXX {$250.00} XXXX XXXX {$250.00} XXXX XXXX {$250.00} XXXX XXXX {$400.00} XXXX XXXX {$240.00} XXXX XXXX I call the customer service and communicate with fraud department to make a complain and open the process to investigate the situation. The person I spoke with, told me that even if I submitted the claim for 14 transactions, if they determined in the investigation process that if was a fraud they would me refund my dads money 60 days before the day of my claim. I waited for the bank to finish its investigation and the determined they will only return the amount of {$29.00} that was the first transactions, since 13 transactions pass 60 from the first incident. XXXX XXXX I call the bank again to receive and explication about this, and the customer service and the fraud department dont give me and answer. I decide to contact to see if there is any solution to this problem. My father has had all his accounts with Banco Popular ( mortgage, business account, savings account, auto loan ) for years and is not fair that his is treated like that. 
The reclamation number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: LEXISNEXIS
State: IL
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: Information is incorrect

Complaint:
I recently attempted to purchase new car insurance and was notified of an adverse claim record being reported by LexisNexisXXXX. 

Ive emailed and called XXXX to discuss the inaccurate claim history, however the rep will not share any information after identifying myself and will not update their record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
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:
The account was paid and still, my credit reports have not been updated an this is impacting my score. Please look at the balance it's showing {$2400.00} and true balance is {$900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: U.S. BANCORP
State: AL
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:
Last Thursday I received a letter that all of my US Bank Credit Cards are closed. 

Letters stated your account has been closed effective immediately. Our decision was based on the following principal reason ( s ) reasons listed are credit history related. 

When I called the US Bank representative I was told that my account was closed Due to the Extra Risk to the bank because of my purchases. It completely contradicts what is in the letter. 

I have more than {$2000.00} worth of flex points, what US Bank actually did is instead of allowing me to use my points they closed an account with no option to use them.

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 2020-12-02
Company: WELLS FARGO & COMPANY
State: AP
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I already had a case with the CFPB board. It was number XXXX and I was dealing with Wells Fargo. They have not been able to get a check to me since XXXX of 2019 way before Covid 19 hit began. The kicker is that your company was involved and they sent me a check and it BOUNCED and now I have to pay a {$20.00} for their incompetence and they still have NOT paid me. This is the craziest thing to me that a XXXX dollar company can not ensure that a check is given to me. I even contacted their representative AGAIN and crickets. NO ONE takes responsibility at this company.

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 2021-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I had a credit card with Capital One for years and never had any problems. i noticed a charge that was fraudulent on my account. I called and reported it to capital one. They confirmed that it was a scam and fraud activity on my card. They stated that they were going to close the card and send me a new card and reverse the fraudulent charges. I never received the new card and Capital One is still billing me for the fraudulent charges. Each time I call and go through the whole process with someone, it seems as though the matter is resolved, only to keep repeating the same process

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: EQUIFAX, 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:
I am writing to dispute a fraudulent charge on my account of $XXXX, $XXXX, $XXXX, $XXXX, $XXXX, $XXXX, $XXXX, $XXXX, $XXXX, $XXXX.                        I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act’s amendments to the Truth in Landing Act, 15 U.S.C. §§ 1666-1666b, 12 C.F.R §226.13. See Also 12 C.F.R § 226.12(b)-CLOSED ACCOUNTS-1. XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.2. XXXX XXXX XXXX with ACCT #XXXX   opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.3. XXXX XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.4. XXXX XXXX XXXX XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.5. XXXX CARD with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.6. XXXX CARD with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.7. XXXX XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.	8. XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.9. XXXX XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.-COLLECTIONS-10. XXXX XXXX XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.11. XXXX XXXX XXXX with ACCT #XXXX opened on XX/XX/XXXX with a credit limit of $XXXX-This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
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 received a alert on yesterday XXXX from XXXX XXXX that a hard inquiry had been placed on my report. Mind you I went no where and signed nothing to have my credit pulled on yesterday. This is fraud and I want it removed from all major credit reports XXXX, XXXX, and XXXX  should not show anything being posted to my credit report for XX/XX/2021. I want to file charges on whomever was allowed to do use my credit as it took me a long time to rebuild my credit and I will not allowing anyone to get away with this. This is a serious matter and I want it to be taken as a serious matter or I will contact a lawyer and sue. I am really XXXX about this the fact that someone can use your credit without your permission or consent is totally unacceptable. This is not a game this is my credit that I take seriously since it has taken me almost Five years to rebuild and for someone to be playing these types of games I want to prosecute them to the fullest extent of the law. I don't want any excuses only answer and ASAP.

Company response to consumer: Closed with explanation