BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX/XXXX/17 I purchased a washing machine from Conn 's Home Plus in XXXX, Texas. The store was running a promotion of 36 months no interest for qualified buyers. My credit was checked and I did qualify for the promotion. I specifically ask the salesman on two separate occasions if the machine and my credit qualified and I was told yes it does. I even notice that interest information was noted on the contract and asked about the amount and was told that was how much would be applied if I would not have qualified. Approximately three weeks later I received my statement and there was interest applied to the account. For the life of the contract I will be paying {$570.00} which I do not believe that I am responsible for paying. I contacted the store and spoke with two different management people both of which indicated that the amount spent did not qualify and the interest would be applied. I told them that I could have spent approximately {$60.00} more thus eliminating the interest charge or I could have made the purchase elsewhere. The store manager did indicate that there was a mistakes made by sales personnel and the staff had to be re-trained on the application interest free merchandise.
I also contacted the corporate office and was told that mistakes had been made and employees had been reprimanded but unfortunately there was nothing that could be done at this time.

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 2021-03-24
Company: BARCLAYS BANK DELAWARE
State: MN
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:
I have on my credit report that this account is negatively impacting me. I paid this off in full with the debt collection agency they used to follow me years back already. I need them to remove this off of my report because it was paid in full already.

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 2018-01-08
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Procollect Collections : On XX/XX/XXXX I paid my account, in full, in the amount of {$1300.00}. On that day I was told, via phone, that I would receive a paid in full letter. When I called to check on the status of my paid in full letter, I was told that I would NOT be receiving a paid in full letter because they " found '' another account from an apartment dating back to XX/XX/XXXX. This account was NEVER reported on my credit report nor did I ever receive notice of another delinquent account. Procollect never mailed me anything, even after receiving an updated address for me. My money was taken, but it was not used to fulfill my VALID debt obligation. Instead, it was split between two different accounts, once of which, is NOT valid.

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 2018-03-15
Company: ERC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account was deleted in XX/XX/2017 due to failure to prove it was my debt. Now it's reinserted on my credit report.

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 2018-01-08
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
www.coinbase.com I put my cryptocurrency ( ETH + LTC ) in their vault back in mid-XX/XX/XXXX. To be able to transfer them back from the vaults to my wallets I need to approve the transaction with two email-adresses. I am not able to approve with my secondary email, hence my coins have been locked up in the ETH/LTC vaults since I sent the first request to customer service on the XX/XX/XXXX. 44 days today without having resolved the issue. 

They say they have forwarded my case to an expert, but nothing is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been struggling to repay my student loans off. I am currently on an income based repayment plan.I am unemployed due to circumstances I could not control. My payments are currently set for {$0.00} per month and the total balance due is over {$36000.00}. This is great however every month I occur interest charges for high amounts that add extra to my total balance as they pile up over a years span. In the process it is causing my credit to dramatically decrease every month. I also went into default once and it was n't on my behalf and this caused my credit to plummet at the time and it took me a while to get my credit back up. I have been unable to purchase normal necessary items for years causing stress in my life on top the money that I owe for the loans. I have been through different repayment plans such as forbearance, income-based and deferment none of these plans are helping me to relieve my debt, it is honestly making it worse and me and my XXXX children are suffering in the process. I have been offered a forgiveness program but it wo n't take effect for another twenty years. I need debt relief now!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: AMERICAN EXPRESS COMPANY
State: ID
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:
I believe American Express is illegally billing for late fees and interest. I have been billed for late fees and interest even though my payments arrived in time, which they acknowledge. Their policy is that even if the consumer made the payment prior to the due date on the statement, they charge fees and interest based on when the bank actually cleared the check. I have written documentation from them stating this is their policy. How can a consumer be charged fees if they sent the payment in on time? It is out of the control of the consumer as to when a bank would " clear '' the check. In my case, it was several days after my payment had been received by American Express. How can this be legal?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-17
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:
I have disputed this with the credit bureaus and they will not remove these. I have filed a police report for identity theft. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/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 XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2019-09-19
Company: Earnest Inc.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
According to Earnest, " Earnest updates rates on the first of the month, according to the 1-month LIBOR figure published on the XXXX of the prior month in the XXXX XXXX XXXX. '' XXXX XXXX XXXX However, the interest rates I am being charged on my variable loan do not at all correspond to changes in LIBOR. 

Earnest has calculated my interest rates as follows : Start Date End Date Interest Rate XX/XX/XXXX XX/XX/XXXX 5.400 % XX/XX/XXXX XX/XX/XXXX 5.430 % XX/XX/XXXX XX/XX/XXXX 5.610 % XX/XX/XXXX XX/XX/XXXX 5.590 % XX/XX/XXXX XX/XX/XXXX 5.600 % XX/XX/XXXX XX/XX/XXXX 5.590 % XX/XX/XXXX XX/XX/XXXX 5.530 % XX/XX/XXXX XX/XX/XXXX 5.510 % XX/XX/XXXX XX/XX/XXXX 5.370 % XX/XX/XXXX XX/XX/XXXX 5.240 % However, the published rates for LIBOR on the XXXX of each month, or the next business day are as follows : XX/XX/XXXX - 2.52 XX/XX/XXXX - 2.5 ( -.02 ) XX/XX/XXXX - 2.48 ( -.02 ) XX/XX/XXXX - 2.49 ( .01 ) XX/XX/XXXX - 2.48 ( -.01 ) XX/XX/XXXX - 2.43 ( -.05 ) XX/XX/XXXX - 2.40 ( -.03 ) XX/XX/XXXX - 2.24 ( -.16 ) XX/XX/XXXX - 2.12 (  -.12 ) Based on the published LIBOR rates, my interest rates should have been : XX/XX/XXXX - 5.61 XX/XX/XXXX - 5.59 ( -.02 ) XX/XX/XXXX- 5.57 ( -.02 ) XX/XX/XXXX - 5.58 ( -.01 ) XX/XX/XXXX - 5.57 ( -.01 ) XX/XX/XXXX - 5.52 ( -.05 ) XX/XX/XXXX - 5.49 ( -.03 ) XX/XX/XXXX - 5.33 ( -.16 ) XX/XX/XXXX - 5.21 ( -.12 ) I have contacted Earnest numerous times asking for an explanation of the discrepancy and have yet to receive any meaningful response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Experian Information Solutions 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:
There are many mistakes appear in my report without my understanding.

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 2017-09-17
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: Public record information inaccurate

Complaint:
There was a wrongful public records on my account from fraud. I just disputed this item with Equifax a couple of months ago through the CFPB. Equifax responded that the item was deleted and updated. The item is still showing up on my credit report so they lied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Company: Experian Information Solutions Inc.
State: OH
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 have a late payment showing on my credit report that doesn't below to me. XXXX XXXX authorized User account XXXX. This is a closed account that I am not financially responsible for please remove the negative item immediately. 
My name is XXXX XXXX SS XXXX DOB XXXX please remove the late payment from my credit report. I am no longer on that 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 non-monetary relief
Consumer complaint received 2019-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have a late payment showing on my credit report that doesn't below to me. XXXX   XXXX authorized User account XXXX. This is a closed account that I am not financially responsible for please remove the negative item immediately. 
My name is XXXX XXXX SS XXXX DOB XXXX please remove the late payment from my credit report. I am no longer on that 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 2019-09-19
Company: M&T BANK CORPORATION
State: MN
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  and XXXXM & T Bank credit reporting dispute : This discrepancy on my credit report was disputed with XXXX. The outcome has resulted in insufficient change to the report. The information that disputed and is indeed false was incorrectly verified as correct by XXXX XXXX to XXXX. This notice is attached ( A ). 
This Account, XXXX, is correctly identified on the credit report as opening XX/XX/XXXX. The first payment was made on time on XX/XX/XXXX as evidenced by my bank statement from that time ( Attachment B ). Ive included the second bank statement showing the on time payment ( Attachment C ). I can provide evidence of every single payment being made on time, however it seemed excessive. Especially since XXXX XXXX is WELL aware that every payment was made on time. 
I filed Chapter XXXX bankruptcy in XX/XX/XXXX. This loan was not included in the bankruptcy. I signed and submitted a reaffirmation letter XXXX XXXX, however they did not sign and return it in time for it to be filed with the bankruptcy. 
The month I filed is the month that XXXX XXXX is reporting as the date of 1st Delinquency. Indeed this is not the case as I have provided proof of payment from XXXX XXXX for that month as well as every single month on time from XXXX ( Attachment D ) when the account was sold to M & T bank. Attached is the email from XXXX notifying me of the change effective XX/XX/XXXX ( Attachment E ) XXXX XXXX XXXX XXXX XXXX as serviced by M & T Bank sent notice on XX/XX/XXXX of new account XXXX. Statements showing this change and on time payments since that time are attached ( Attachment F )

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 2019-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX XXXX XXXX CT XXXX, OH XXXX My SS is XXXX my DOB is XXXX. I need my name and the late payments removed from my credit report. Capital One XXXX account the was closed for XXXX XXXX XXXX I am not financially responsible for this account or the status of this account. Please delete the late payment at one from my credit file please and Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/19 I called XXXX XXXX customer service to report that I am XXXX and needed to submit my military orders for my account to be coded for SCRA. The calls were routed to several reps, all of which had no information or were clueless about SCRA and the benefits to military service members. They were all of no help and could not provide me with any information to email, mail or fax my orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: DISCOVER BANK
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:
I have had a Discover card for about 9 years now and just now became aware that I had been signed up for their Payment Protection Plan without my consent. They have been charging my account between $ XXXX {$30.00} each month and I had no idea about this. When I contacted them they cancelled the plan but told me they would only offer me a refund for the past 6 months, which amounted to {$200.00}. However, I know from my statements that they have been charging me for this for at least the past two years, and I am assuming for the entire time I have had my card without me knowing it. Judging by this, I believe they most likely owe me a much larger amount than only {$200.00}. I was told there was nothing they could do as far as a further refund goes, but I believe I am owed a full refund for the total amount they were charging me without my knowledge or consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-11
Company: EQUIFAX, 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:
I HAVE NEVER FINANCED A VEHICLE FROM THIS BANK BEFORE. I FILED IDENTITY THEFT WITH FTC AND PROVIDED ALL DOCUMENTS TO THEM ON NUMEROUS OCCASIONS AND THEY STILL HAVE NOT REMOVED THE ACCOUNT FROM MY EQUIFAX CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with Equifax for an account that I do n't believe to be mine. The XXXX dispute was submitted on XX/XX/XXXX claiming fraud. The dispute was resolved within days saying that everything was verified. I submitted a second dispute also stating fraud on XX/XX/XXXX. I requested verification and a signature from them. This dispute was also completed in a few days and i received the same cookie cutter response from the first one. I submitted my third dispute on XX/XX/XXXX telling them once again that i needed the signature from this collection agency as proof and that this was fraud. On XX/XX/XXXX they sent me the results. It was the same message from the first two disputes. I had called them to try to explain what was going on and requested since the collection agency was reporting to the credit bureau while this item was being disputed and they failed to provide me the correct information, that i wanted this removed immediately. They are still reporting this. I am more than willing to bring legal action against both the collection agency and the reporting agency if this is n't resolved. I need assistance with this please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: M&T BANK CORPORATION
State: KS
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX, XXXX 2018 TO WHOM IT MAY CONCERN This is a complaint against XXXX XXXX with an address located at XXXX XXXX. XXXX XXXX, XXXX XXXX, IA XXXX. 
XXXX XXXX is a debt collector as defined by 15 U.S. Code 1692a of the federal Fair Debt Collection Practices Act.

The attached documentation details violations of 12 C.F.R. 1024.41, and/or 12 C.F.R. 1024.40, and/or 12 C.F.R. 1024.35, and/or 12 C.F.R. 1024.36, and/or specifically 12 C.F.R. 1024.41 ( b ) ( 1 ), and/or 15 U.S. Code 1692e. 
Please investigate these matters. 
All the necessary documentation supporting this complaint have been attached. 

XXXX XXXX XXXX XXXX or use the following shortened URL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX or use the following shortened URL XXXX XXXX XXXX XXXX XXXX XXXX XXXX or use the following shortened URL XXXX 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