BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had a Capital One XXXX XXXX credit card since XX/XX/XXXX. I have never been late or missed a payment. XXXX XXXX  score is in the XXXX range. I own my home outright and have no debt. I am retired and am XXXX years old. In XX/XX/XXXX, I charged a total of {$7600.00} to this XXXX card and paid the full balance due each month. On XX/XX/XXXX, Capital One wrote me a letter ( which I received on XX/XX/XXXX ) stating that my credit limit had been changed from {$25000.00} to {$10000.00} because " my account was not used enough for the assigned credit limit ''. As stated previously, I charged a total of {$7600.00} to this card in XX/XX/XXXX. I have a subscription to XXXX  and was informed yesterday that my XXXX score had been decreased from XXXX to XXXX due specifically to the credit limit downgrade by Capital One. I asked the XXXX   rep what credit limit I should have in order to support a yearly purchase usage of {$7600.00}. She told me that my usage should not exceed 20 to 30 % of my credit limit. Their preferred value is 20 %. Using this info, my previous limit of {$25000.00} was the minimum I should have ( {$38000.00} is preferred ) I have given Capital One no legitimate reason for the credit limit downgrade and I can only assume that I am being punished because of AGE DISCRIMINATION by Capital One. They have NO LEGAL BASIS for this credit limit downgrade! PLEASE help me get this INJUSTICE reversed and send them a clear message that AGE DISCRIMINATION is against the law and will not be tolerated!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: SN SERVICING CORPORATION
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The original company XXXX XXXX sold us a house. Later the loan was sent over to SN Servicing. A couple years after buying the house when we went to file exempt from paying taxes, we found out we did not own the house. We also found out SN Servicing bought the house. They first told us we were leasing the house. When I asked about paying a mortgage and signing so many papers then they said its a Land Contract. The contract we signed was fixed rate mortgage and the mortgage keeps going up. She said its because of escrow and escrow has nothing to do with mortgage. Either way, we are both exempt from paying taxes. They said the only way we would ever own this house is to refinance or to pay it off. I'm not even sure if the paperwork they sent me is the original that I signed. We were not given a copy on the day we signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
An individual named XXXX XXXX contacted me and advised that he was with XXXX  and was trying to " mediate '' an amount of {$400.00} ( or something similar ). The number was from XXXX. Mr. XXXX refused to provide any additional information about the name of the company, but did advise that the company was located in XXXX. Mr. XXXX did not use the term " debt '', but listed out a series of companies on who's behalf he was calling. He refused to provide any information and threatened to escalate the matter for fraud to court or judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: AES/PHEAA
State: OK
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 name is XXXX, my loans were generated under XXXX XXXX XXXX. When I consolidated them on XX/XX/XXXX, the loan amount was {$33000.00} this was done under XXXX XXXX. My daughter graduated in XX/XX/XXXX and the amount jumped to {$48000.00}, the date shows it to be XX/XX/XXXX. Then again in XX/XX/XXXX the amount jumped to {$61000.00}. This consolidation eventually went from XXXX XXXX to XXXX and on XX/XX/XXXX the amount had jumped to {$77000.00}. I understand adding the interest in, however during this time I was making payments. I did forbearance a few times. The loan is now being serviced by XXXX. It shows on the federal website that it is still under XXXX. I feel as thought they pressured me into forbearance at different times. However, the interest should only have been XXXX, XXXX and XXXX respectively. XXXX told me I am enrolled on an ICR,  however my payment is {$0.00}. I don't understand why I owe this much and how the loan jumped XXXX, XXXX and then XXXX. The math does not make sense. Also, I am not sure XXXX, XXXX or XXXX XXXX are reputable companies. I feel I have been cheated and I really want to pay this off. If you look at my records, the school loans for myself in XX/XX/XXXX have all been paid. How do I know I have been treated fairly? What legal recourse do I have for the school, XXXX XXXX for taking my co-sign signatures on at least 50 % of these loans and removing my daughter as this is her debt. 

Thank you for any help. 

my e-mail is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: BlueChip Financial
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
continues to call me at work or cell phone states they have documentation that they are going to submit. When I asked them to stop calling they become irate and verbally abusive

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Advance America, Cash Advance Centers, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
went into advnace america XXXX XXXX XXXX in XXXX XXXX  on Friday XX/XX/XXXX to recieve a loan for XXXX to pay an insurance bills, i was between jobs, and collecting unemployment. 

I started work on XXXX/XXXX/XXXX They gave me the loan and charged me a service fee of XXXX when I recieved my first paycheck on XXXX. I came into that location and paid a young boy with cash, who gave me a reciept. 

About three months later, I was being inundated with calls. sometimes twice a day about 15 calls a week every day. I never returned the calls because I had a reciept I blocked them. 

Today I looked into my account and saw that they over drew my account for XXXX I called XXXX XXXX, filed a fraud claim, and had the charges reversed, I revoked the ach authorization and had to close down my account. 

When I called this location they had me blocked. and when i called from another number they hung up on me. 

I am filing a criminal complaint on this location.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
The company was made aware that the inquiries were not authorized by me and sent the preliminary police report and they have failed to remove 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 2020-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 not had a credit card with Capital One since the year XXXX. Capital One is reporting several accounts to the credit bureaus settled in the year XXXX. I did not have this many accounts with capital one. 

When does the write offs leave the credit reportings? These credit card companies have been reporting write offs since the year XXXX. I want the write off removed from my credit reports. It has been over seven years. It is over seven years and the write offs should be removed. My credit score has been destroyed for many years. I made a settlement with these companies and they are repaid through credit torture. It is seven years over the time and I want the write offs removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have three accounts on my experian report that are not mine 1 XXXX XXXX 2 XXXX XXXX 3 Bankruptcy

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 2019-04-19
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was hit by hurricane Irma XX/XX/2017. I live in XXXX XXXX, Florida. The hurricane damage required me to repair my air conditioning which I could not afford. My mortgage company at the time was XXXX and I called and was offered three months of a forebearance to get back on my feet after the storm. I accepted as this allowed me to repair my air conditioner and fencing that had been knocked down. When three months were I called XXXX to make my XX/XX/XXXX payment and was told they would only accept {$3800.00} and I could not pay one month. I did not have that money as it was spent to repair damages from the hurricane. My loan was then transferred to Bayview and I applied for a modification to put the past due on the end of the mortgage and start making payments again. Bayview denied the modification, refused to accept less than all payments due and filed foreclosure. I have appealed Bayview 's decision to not offer me a modification and their response is that the investor is XXXX XXXX XXXX and I have exceeded the allowable number of modifications. I feel as though I would not be in this position had I not been offered the forebearance to " help me '' after the storm. I am afraid of losing my home because of hurricane Irma. I was current and my first missed payment was XX/XX/2017 after the storm. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Transunion Address wrong information duplicate address that do n't exist nor are my address : these are not right address : These are condo units not apartments XXXX XXXX XXXX XXXX APT XXXX -- -No such address XXXX CA XXXX Right Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I 'm also reporting to the FTC for all these address duplicated and wrong information on my file

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 2019-04-19
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pulled my credit report and saw that I have an account on my credit file from Enhanced Recovery Company account number is # XXXX with the amount of {$420.00}. I asked this company to send me VALIDATION that this account belongs to me and they sent me VERIFY I didn't ask for. I would like for this account to be DELETED from my credit file for this debt doesn't belong to 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 2021-09-12
Company: EQUIFAX, INC.
State: DE
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:
Credit report shows late on both Equifax and XXXX. Requested to be fixed by XXXX  XXXX and they refused. I was informed by credit bureaus that it isnt their job to make sure its correct. It needs to be corrected because it is keeping me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: ERC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. Ive never had a phone from this company. Ive reach out trying to see exactly when this bill was acquired, and exactly how much of my personal information was out there. They had me name and my social security number but they wouldnt give me anymore information. 
2. XX/XX/2013 is the date that the bill was acquired. 
3. Collection bill is XXXX {$4.00}. Collection company is XXXX XXXX XXXX. 
5. Original collection company is XXXX 6. Ive tried to explain to them that is not my bill, and I should not have them calling or sending letters trying to get me to pay it. They do not care they only want the money I do not know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXXcheck to Wells Fargo cashed. 
XX/XX/XXXXdue date of WF mortgage ; we receive an overdue notice charging {$47.00} as a late charge. 
XX/XX/XXXXI called seeking an explanation as the late date is XX/XX/XXXX. After a lengthy discussion, XXXX said the charge would be waived. He confirmed the payment was NOT late until the XXXX. I said I didnt need a waiver, it was their error. He proceeded to explain other payment methods to receive payment earlier. I explained that the due date should be changed if the payment was not in fact late and I didnt appreciate the grab for an unfair fee. 
XX/XX/XXXX I received another late notice.

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 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX XXXX 2018 it was reported by the XXXX XXXX that Bank of America was refusing to conduct business with legal gun manufacturing businesses in the U.S.

ArtIcle here : XXXX XXXX XXXX XXXX XXXX XXXX  Bank of America has instituted a policy that has me very concerned that if this current policy is allowed to continue I and other Americans may be arbitrarily refused business by Bank of America simply for conducting business which the bank deems inappropriate or politically inconvenient.

Americans need banking services to survive in the modern economy. Law-abiding citizens have legitimate concerns about possible collusion and collective efforts between banks and/or banks and advocacy groups aimed at denying them services simply for exercising their rights under the U.S. Constitution and laws. These efforts also can create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those hoping to obtain financing for such things as home and auto purchases or running a small business.

Please look into this matter and put an end to this Bank of America policy of discrimination.

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 2018-10-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
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:
Disputed the debt several times and the debt is passed it statue of limitations. The creditors no longer have the debt on my credit report but the collection agency reaged the account and refuse to take it off my credit report. The amount was {$940.00}, they are violating my rights! I have diputed this account over a year now! Last letter they sent was XX/XX/2016!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Experian Information Solutions Inc.
State: SC
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  I have never enter in to a contract with them nor have I had an account with them this is truly fraudulent Ive disputed this with all the credit bureaus XXXX XXXX has deleted XXXX and Experian have not They can still not provide me with written contracts or validation wearing my signature or showing that I even noticed that I have not as fraudulent I disputed it I would like this 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 2019-04-19
Company: Georgia Student Finance Authority
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Loan in reporting as late for XX/XX/2019 and XX/XX/2019. It should be covered by the unemployment deferment period. Acct number is XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-12-17
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have over XXXX in my account and literally haven't been able to touch none of it the card company us bank relia card the customer service team is hands down the worst known to history of XXXX  I can't buy XXXX it's blocked I tried to get milk blocked wait 24 hours everyday can't take all the money at once I mean I'm so upset I don't know what to do nobody helps all they do is hang up cause they think that's easier then helping the problem

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 2017-11-29
Company: CITIBANK, N.A.
State: AZ
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 a victim of identity theft. The inquiries, which appears on my credit report from XXXX/XXXX  dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.

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 2020-05-05
Company: Sequium Asset Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed on XX/XX/2020 that my credit score dropped significantly due to a collection/chargeoff that was not mine nor I have never recognized before. I called the Bureau name ( Sequium Asset Solutions ) who said they don't have any information of me on file. They told me to call the Original lender ( 11 XXXX XXXX ) who also said they do not have any information of me on file as well. 11 XXXX XXXX  is a cable provider that does not even service the location I live in. This is a charge that is not mine and would like this removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Bread Financial Holdings, Inc.
State: AZ
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 a victim of identity theft. The inquiries, which appears on my credit report from XXXX  XXXX/XXXX XXXX dated XX/XX/2017, XXXX XXXX/ZALES X/XX/2017 and XXXX XXXX dated XX/XX/2017, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief