BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TN
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:
I have been a XXXX XXXX XXXX customer for decades. Since XXXX XXXX has come into control of the XXXX XXXX XXXX brand, I have experienced numerous difficulties not encountered with other credit card companies or banking institutions. I keep the account because I travel professionally, and certain features of this card are very helpful. I have yet another problem. On Tue XX/XX/XXXX I  made anonline payment ( an extra payment in addition to my normal monthly payment ) of {$1700.00}. I printed the confirmation from the XXXX 's website. Keeping in mind that XXXX XXXX is a XXXX corporation, there is no reason to believe that the US holiday of XXXX could interfere in any way with accreditation of payments. However, this payment did not clear my banking account until Fri XX/XX/XXXX, a delay of 3 days. Today, 1 week after payment was rendered, and 4 days after clearing my bank account, I have still not received credit for the payment on the XXXX 's website. I paid several bills that day, and all of them ( except XXXX 's ) were credited the very next day. Today, Tue XX/XX/XXXX, fully 1 week after the payment was rendered, I attempted to confirm the payment had been credited, and in doing so I printed out the appropriate XXXX 's webpage ( " New Transactions Since Last Statement '' ). That payment has still not been credited towards my account. Therefore, I am paying interest on the outstanding balance for that extra week. It is not the actual interest amount that is concerning. I am asking your help in determining whether this constitutes a breach of XXXX XXXX 's fiduciary responsibility and for help in contacting XXXX XXXX. You see, in addition to failure to post my payment, the corporation 's " Contact Us '' feature, which provides an online template for comments and queries does not work. It allows entry of all necessary information, but after clicking the " Submit '' button, a popular page appears, saying, " Error 500 : FormAttributes is null or empty ''. For the record, all template blanks were properly filled ; I made a record of this by printing screenshots of the attempts. As I have had so many similar and related problems with XXXX XXXX, I prefer all contact with the corporation to be in writing, and there seems to be no other way to send expedited communication to XXXX ( no customer service email address is provided ). In recapping, XXXX XXXX has withheld credit towards my XXXX XXXX XXXX credit card balance unduly, which is presumably accruing undue interest. Additionally, the institution seems to provide no means for written queries other than through paper means, which is completely unreasonable in this digital age.

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 2017-11-28
Company: GREAT LAKES
State: WY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My laws have accrued a large amount of interest. I asked about consolidating my loans and the loan servicer said consolidation would make me ineligible for PSLF. I have since found out that this is not necessarily true. I dont believe that XXXX XXXX XXXX is providing honest information about how to handle my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX sold this account to Consumer Adjustment Company in the amount of {$1200.00} on XXXX XXXX, with false pretense after XXXX XXXX has been paid by the insurance company and have tried to commit fraud against me the consumer. Then have sent my information to this company Consumer Adjustment Company to try and force me to pay a debt that was already paid once, Then continued to submit this as a non paid balance to my credit report. To intentionally report false information to XXXX. I want this frivolous charge removed off my credit report. This is illegal and I need help now. They are committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: STERLING JEWELERS, INC.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  reported a charged off account to the credit bureaus in the amount of {$300.00}. I do not recognize this debt as my debt. As an XXXX XXXX servicemember in the XXXX XXXX, I have access to military financial counselors to assist in financial matters. Steps I have taken to resolve this issue are as follows : ( 1 ) On XX/XX/2018 I met with a military financial counselor regarding this XXXX XXXX account.

( 2 ) OnXX/XX/2018, together with the financial counselor, I called XXXX XXXX  and asked about this alleged debt. The representative at XXXX XXXX was unable to locate an account under my name and social security number. He suggested that the account might be with either : ( a ) XXXX XXXX at XXXX  or ( b ) XXXX at XXXX.

( 3 ) On XX/XX/2018, together with the financial counselor, I called XXXX XXXX at XXXX and they could not find an account under my name and social security number.

( 4 ) On XX/XX/2018, together with the financial counselor, I called XXXX at XXXX and they could not find an account under my name and social security number. The XXXX  representative spent considerable time trying to locate an account yet was unable to find an account.

( 5 ) I completed a dispute request with XXXX  regarding XXXX XXXX ( document 5 attached ) and mailed it to XXXX.

( 6 ) XXXX  mailed a response to my dispute on XX/XX/2018. It stated that there are no accounts from XXXX and XXXX on my credit report and listed XXXX XXXX  as contact information for this dispute. ( document 6 attached ).

( 7 ) XXXX XXXX response dated XX/XX/2018 also reports that the XXXX XXXX as " account transferred or sold ''. It states that the account was " sold to '' " XXXX ''. ( document 7 attached ).

How can XXXX XXXX  sell an account that it couldn't locate? I have never heard of XXXX before. Three documents are attached verifying the above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have been disputing an item on my credit report through experian since XXXX of XXXX regarding XXXX XXXX XXXX  orignal credit, XXXX XXXX XXXX that has been paid in full through employee garnishment Between XXXX and XX/XX/2018 from the joint applicant. I have submitted to the credit agency the payslip that reflects the proof of payment and they refuse to update with paid or removal from the report in which it has been removed from the joint parties report instantly. The original debt is erroneous due to me never being late on my rental obligation as reflected on the report, all of sudden the company was in the process of selling and refusing to fix water and gas problem when the issue was raised they then began to refuse my rents because they knew they sold the complex causing me to have the judgement because the judge refused to listen being a landlord state. The joint party moved to a state where garnishment isn't permitted and they still took the money. Which the judgement reflects XXXX and the reports is XXXX. I was the innocent consumer penalized as a result in a business deal with XXXX  XXXX  XXXX  and XXXX XXXX XXXX  deal left to face eviction because I only had a month to go on my lease and ended up having to pay for months I wasn't there as a result of the faulty judgement. This is how states and courts operate that aren't for the tenant, the judge refuses to hear the facts or the cause of the situation not why you didn't pay in this case XXXX XXXX the agent at the time refused the rents multiple times because he knew they were no longer responsible for the property leaving multiple tenants struggling.

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 2020-06-04
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 XXXX XXXX I found many accounts open under my name the report and the accounts I listed they are fraud I never open this is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Two prior complaints remain unaddressed causing financial impact. You can not reach them through any medium and when you try to repsone to their so called reach out emIL IT FAILS! 
Failure Notice XX/XX/XXXX at XXXX XXXX  PrintRaw message XXXX XXXX To : XXXX Sorry, we were unable to deliver your message to the following address. 

XXXX : XXXX : XXXX relaying denied -- - Below this line is a copy of the message. 

XXXX-Signature : v=1 ; a=XXXX ; c=relaxed/relaxed ; d=XXXX ; XXXXXXXX ; XXXX ; XXXX ; h=Date : From : To : In-Reply-To : References : Subject : From : Subject ; XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Received : from XXXX by XXXX with HTTP ; Wed, XXXX XX/XX/2020 XXXX XXXX Date : Wed, XXXX XX/XX/2020 XXXX XXXX ( UTC ) From : XXXX XXXX XXXX To : Capital One XXXX XXXX : XXXX XXXX : XXXX References : XXXX Subject : =? XXXX? XXXX? XXXX : XXXX? = MIME-Version : XXXX Content-Type : multipart/alternative ; boundary= '' -- -- XXXX '' X-Mailer : XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX ) XXXX XXXX Content-Length : XXXX -- -- -- XXXX Content-Type : text/plain ; XXXX Content-Transfer-Encoding : quoted-printable I had asked last month for a skip payment you did not respond. My account questions have not been answered and you still have not reached out to apply the skipXXXX On Thursday, XX/XX/2020, XXXX XXXX XXXX, Capital One <XXXX @ XXXX XXXX wrote : XXXX XXXX XXXX we are here to help Not so!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: DISCOVER BANK
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:
XXXX XXXX client XXXX XXXX is a victim of identity theft. His information was used without his consent to apply for several credit card accounts. An inquiry from Discover was found on his XXXX   and XXXX credit reports related to one of these fraudulent applications. An official dispute of this application was submitted to Discover XX/XX/2018 ; Discover replied stating the inquiry was accurate as it was related to an application. While the dispute was acknowledging the application was submitted it also indicated the nature of the application was related to an issue of fraud and identity theft and under teh FCRA that inquiry is to be removed from any and all credit reports. This current actions is a direct violation of the FCRA and my clients federal consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: CITIBANK, N.A.
State: CA
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:
Citi charged me a {$25.00} late fee on XX/XX/2020 and a {$29.00} late fee on XX/XX/2020. The creditor failed to mail me a billing statement for each period and because of that, I was unaware that I had to make a payment. Please provide a credit of at {$54.00} for the late fees AND credit me for any interest accrued due to those late fees. If Citi disagrees with this, please provide proof that you mailed out the credit card statement for all the periods where I was charged a late fee for and proof that I actually received them. Such proof includes tracking information with USPS, XXXX, XXXX, or a certified mail receipt. 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 2018-03-20
Company: SYNCHRONY FINANCIAL
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a Summons XX/XX/XXXX from XXXX XXXX/JCP for a debt that I was listed as the authorize user, after the passing of the primary cardholder we inform XXXX/JCP of his passing in which I was inform that the debt is mine, and then it was listed on my credit report, on XX/XX/XXXX at XXXX supporting documents was fax to CFPB. Case # ( 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 2019-05-20
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I decide to see if I could increase my line of credit with Sync Bank on XX/XX/XXXX. I got denied and I didn't know why. When I received the letter from Sync stating that I was declined due to a credit score from XX/XX/XXXX. Neither my wife or I authorized a credit pull on XX/XX/XXXX. The score that was provide to us is not a correct credit score, we did have an issue with another set of credit cards that did hurt our credit but since XX/XX/XXXX all of these credit cards have been removed. My credit currently is between a 680-700. 

We tried to call but no one in the customer service department could explain why the my credit was pulled in XX/XX/XXXX and Sync decide to use a credit score that was over 30 days old to make a credit decision. Sync is violating the fair credit reporting act and several banking regulations

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 2019-05-20
Company: ERC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Set up an payment agreement to pay and remove off of my credit report. Opened in XX/XX/XXXX closed beginning of XX/XX/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 2019-05-20
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I am the XXXX XXXX individual and I received a voicemail for an employee that no longer works for this company. 

The voicemail stated that they are XXXX XXXX " mailing legal documents '' regarding " employee 's name '' then referred to the employee as " she '' when they are a male. They then stated to call XXXX with a specific reference # for additional information. 

I XXXX  this phone number and dozens of complaints are listed with identical stories, people are being told that they will be served with legal documents and to call for more information. This company comes up as Midland Credit Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
TransUnion and XXXX are fraudulent on my credit account XXXXXXXXXXXX XXXX is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account XXXX XXXX   is fraudulent on my credit Account XXXX XXXX  CREDIT CARD is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account XXXX  is fraudulent on my credit Account XXXX BANK is fraudulent on my credit Account XXXX is fraudulent on my credit Account XXXX XXXX  XXXX is fraudulent on my credit Account XXXX LAW is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account

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 2019-05-20
Company: ONLINE Information Services, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX MW- original creditor name. Opened in XXXX. Paid in full. XXXX. Status is closed still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have called Sallie Maes customer service number multiple times. There has been times where no one would even answer during business hours. I would get different scripts from different customer service contacts. I have spoke to two loan contact personnel over the past week XX/XX/18 and neither times were they willing to work with me. I have tried to keep up with my payments but they are not understanding my income compared to the amount they are trying to charge me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: EQUIFAX, INC.
State: TN
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:
Last year after the whole Equifax data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have always paid my account on time every month thru the website and portal that the company provides and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
PAYPAL , INC . 
Account is XXXX XXXX XXXX is name I have other paypal accounts. 
I have {$270.00} stuck in this paypal account - they refuse to release it to me. One representative from paypal told me to chargeback the original transaction which was {$940.00}. I just want my {$270.00} - they want to hold it for 180 days. I have verified accounts with ID. This is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Presently I am current on my primary mortgage loan with Wells Fargo. On occasion, I have taken up to 30 days to make a payment. The Wells Fargo company artificially requires payments to be made within 15 days of due date. Since I have taken up to 30 days to make some payments, Wells Fargo imposes a {$160.00} late fee. I have requested that they forgive the late fees. There is a precedence that would allow up to 30 days without penalty for every other financial institution I have ever encountered.

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