BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-09
Company: Ad Astra Recovery Services Inc
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I took out a loan with XXXX XXXX somewhere between XX/XX/XXXX and XX/XX/XXXX.I filed Chapter XXXX bankruptcy on XX/XX/18 and contacted XXXX XXXX on XX/XX/XXXX and provided them with the Bankruptcy case number and my attorneys information. My attorneys office has also contacted this company regarding my case. We had the meeting of the creditors on XX/XX/XXXX and none of my creditors were there. I have continued to receive calls from XXXX XXXX until I blocked their number on XX/XX/XXXX.They have now reported me to a collection agency called Recovery Services/Astra Recovery and I received a call from their office today telling me that they are calling to collect a debt. I explained to the caller that I had filed a Chapter XXXX Bankruptcy case and XXXX XXXX was notified on numerous occasions about this date being included. He stated that I did not know what he was calling about I told him I did because I XXXX  the phone number and in the comments section it states that this is a debt collector for XXXX XXXX.He asked me to verify my information and I responded I will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX XXXX keep putting information on XXXX, XXXX and Experian stating I have accounts in collection. I have even gotten letters and called them and they confirmed I have no debt with them. Now they have reported to all three credit bureaus I have collection accounts and I have not communicated with them since the last letter received months ago. 

This is causing my credit score to drop and shows damaging information on collections I do not have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15
Company: SLM CORPORATION
State: NJ
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:
To Whom This May Concern, Hello my name is XXXX XXXX and I have a private student loan through XXXX XXXX which I am having trouble paying at this time. I am in the midst of a career change and just moved to New Jersey on XX/XX/2019. So, I am currently working as a XXXX  until I am able to get a career job as a XXXX. My income is very unstable at the moment. I am in a unique situation in that I don't speak to my co-signer, and she is not responsive to the company after numerous phone calls and emails. I was told by a loan resolution specialist that they would review only MY income to change the loan and give me a new payment that is more manageable for the time being. However, when I called back multiple times to share information, the representatives questioned my career choices, and continued to shame me into not being able to afford " only '' a {$110.00} payment a month. Furthermore, she told me that they would NOT be able to help me and would not move forward with my case until they received my cosigners income as well, whom they've been unsuccessful with already in the past. I am trying to work on my credit and maintain good standing with my debts, and I feel XXXX XXXX 's " customer service representatives '' were not interested in offering me any type of help with this unique " grey area '' situation I am in. Thank you in advance. 

XXXX 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 2021-10-04
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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
hello and to whom this may concern. hi! my name is XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX. SSN:XXXX and i have contacted XXXX countless times and the creditor and cant seem to have them remove this unauthorized credit card off my report, its a cat and mouse game as they keep telling me to call one another back and i'm sick of it! being a XXXX survivor and losing half of my XXXX i feel like i have enough stress in my life other than some simple unauthorized credit card data removal which is part of XXXX issue of not helping me! XXXX  customer service is being NO HELP in this situation and i even find myself being hung up on sometimes its becoming ridiculous! Now when i give them a call back all i do is get a busy signal and i can never get in touch with them! i am now writing to you guys for the formal complaint because i'm hearing you can help me! i will list the Account below which are part of the unauthorized account on my file shown on my credit report which is holding me back from my credit goals etc. i am hoping you can guys can help me out here! look forward from hearing from you guys thank you!! i've read the FCRA countless times and i know my rights, XXXX  is not helping at all and this is not fair, legally they can't do this to me and they are honestly NO HELP!! here is the unauthorized account as follows XXXX XXXX XXXX with account number XXXX opened on XX/XX/2014 I look forward to hearing from you or seeing a resolution of this being removed from my credit report asap 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 2020-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2020, I paid off my Bank of America AAA credit card. I paid the balance off and in full. The balance was {$2900.00}. 

When I got my statement which was for the period XX/XX/XXXX - XX/XX/2020, it had an interest charge of {$30.00}. The date of the interest charge was XX/XX/2020. 

I talked to customer service but I still do not understand how if I pay the balance off in full, they can continue to charge me interest.

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 2021-02-02
Company: EAST WEST BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I want to close my East west XXXX checking account ending in XXXX, I called the Bank on Friday XX/XX/2020 to close the Account, the customer service agent said I will have to go to the bank to close the Account. I don't understand why this Bank makes you go for ever small thing to the Bank, and specially in this Coronavirus. This is crazy. 

Even when I had to apply for the credit card, I had to go to the branch personally. I have already deposited the check in my another Bank Account and all funds will be taken out of East West Bank on XX/XX/2020, I want my Account to be closed by that date.

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 2020-01-26
Company: Ability Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
They are rude and unprofessional. She used profane language with and she had an attitude with me when I explained my situation about what happened. I even asked to have my account handled by a different representative and she said No your XXXX stuck with me, now pay your bill and hung up

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 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Im in the process of working on my American Dream. I notice some fraudulent inquiries on my CREDIT report. I sent out multiple disputes. I haven't received nothing back its been over three months. 

XXXX  Inquiries : US SM BUS ADMIN ODA - XX/XX/XXXX US SM BUS ADMIN ODA - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX  XXXX  - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX/XXXX  XXXX   - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX  XXXX XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX Transunion  : XXXX   XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXXXXXX   XXXX - XX/XX/XXXX XXXX  : XXXX  - XX/XX/XXXX XXXX/XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XX/XX/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 2018-10-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My original mortgage was with XXXX XXXX XXXX. Recently my account was sold to Carrington which has been a nightmare. I had purchased new Home Owner 's insurance before I received the notice of the change in mortgage companies. My Agent has sent Carrington 3 notices of the insurance change, once each time I receive a notice from Carrington. On XX/XX/2018, I received a threatening letter from Carrington that they were going to add Homeowners insurance to my policy that would cost me much more than if I purchased it on my own. Once again, I sent this notice to my insurance and they sent Carrington the information on XX/XX/XXXX. On Friday, XX/XX/XXXX, I received a letter stating that my mortgage payment would be going up {$87.00} per month due to their insurance amount. When actually, my new insurance decreased somewhat and my mortgage payment should be less than what I was actually paying with XXXX  XXXX XXXX. 

I have called and no one seems to be able to help me with this situation, they ramble and then ask " is there anything else I can help you with '', when they haven't even come close to answering the first question I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: EQUIFAX, INC.
State: NC
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:
Well over 30 days ago, I submitted investigation requests to all three credit bureaus : Equifax, XXXX, and XXXX XXXX. They should have responded with the result by now, but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: PINNACLE RECOVERY, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I receive letter in the mail from XXXXXXXX XXXX On behalf A XXXX timeshare. XXXX has maintained action of collecting mortgage payment and cleaning fees monthly. When I refer back to my bank statements XXXX has stopped collecting money out of my account and has not contact me regarding issue via phone or email. I have not receive letters from XXXX Last letter received Was XX/XX/2020. Due to issues in the mail around that time it is understandable that most mail was lost Where I had to go to the Post Office to retrieve my mail. I recently received A collections Agency information by the name of XXXX requesting {$15000.00} in debt. I believe that was accumulated due to XXXX not continuing To retrieve money from my account and Large late fees. Per my bank statements cleaning fees of the resorts continuously were taking out until XX/XX/2020. I'm seeking assistance to see how can I move forward to dispute this debt collection as I have been a timeshare holder for 2 years now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX XXXX is lowering my credit score by raising my credit utilization. I have never missed a payment. Paid XXXX dollars and then they lowered the available credit amount. credit limit before was XXXX or XXXX now its XXXX. I was wanting to improve my credit utilization to buy a home. I also made payments on my other credit accounts that was going to improve my credit score. I called and they hung up the phone. account is XXXX 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 2018-07-09
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened an XXXX XXXX  XXXX XXXX card in XX/XX/2017. When signing up for the card, I put in my XXXX  account number. I am supposed to get a free night certificate on my one year anniversary. 

Somehow, on XX/XX/XXXX, American Express changed the XXXX account number on my file to that of my brothers. This itself is another privacy issue. I called them 3 times about changing this back, but the person on the phone could not do it. 

Anyway, one year has passed, and now when I check on the status of my free night certificate, they tell me that it has been issued already. To the wrong account. They tell me to talk to XXXX. I talk to XXXX and they said to talk to Amex. 

Amex tells me that they have no idea how the system changed my XXXX account number to my brother. In my earlier monthly statements, the correct XXXX account number is there. Somehow, that changed in XX/XX/XXXX. 

After talking to the chat help, they finally changed the number to my correct one. However, the free night certificate has already been sent to the wrong account. 

Amex can not cancel the cert and reissue another one. They also said they can not compensate me the points equivalence ( XXXX XXXX   points ). They have wasted about 10 hours of my time on this issue which started with a data issue and privacy breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
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:
This USAA FSB account XXXX was Paid-in-Full in XX/XX/2014. I filed for Bankruptcy on XX/XX/2014. How can this account be listed as " Derogatory '' and " Payment Plan '' and " Chapter XXXX '' when it was clearly paid and closed a month prior to the filing of my Bankruptcy? Please delete the erroneous information as this account is " PAID '' and " OK '' and " CLOSED BY CONSUMER ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: AFNI INC.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or about sometimes in XX/XX/2020 i submitted a dispute into a credit card from XXXX XXXX XXXX # XXXX Sold to Afin collection Agency. On XX/XX/2020 Afni completed its investigation in to my dispute # XXXX, Ruled the account as fraud due to Identity theft. Till this date the company still have not sent me a letter confirming the account has been resolved in my favor. Which is in violation of my due process rights per the FCRA where the complaintant be aware of the company disposition.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Since 2016, I have been the subject of harassment from Portfolio Recovery Associate located in XXXX Virginia for a debt I do not owe. 

I have made several requests to Portfolio Recovery in writing for full validation of this debt including name and addresses of the original creditor, statements and contracts from the original creditor and other documents that can prove I owe this debt, but they were unable to do so. Why? because they can not prove this debt exist. In the meantime, they continue to damage my credit by reporting this false debt, which is a violation of the Fair Credit Reporting Act. 

I ask that Portfolio Recovery either prove I owe this debt by forwarding proper validation or 1. Cease collection actions on this erroneous account 2. Delete false information from all three credit bureaus. I have enclosed documents to prove my case. 

I look forward to hearing from the bureau. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, I wrote you complain previously about Synhrony banks, when they do not proper close my account, all my disscus with this bank do not bring me a result, it is ok, this is a bank but I just a human, however this bank used my personal information for request a loan and add this information to my credit report. 

ILLEGALITY

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