BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I asked XXXX XXXX to Validate late payments and tell me which method are they using. They have not Validated any information yet the sent a letter saying your account has been verified. 

I asked to close my account around XX/XX/XXXXor XX/XX/2019. The said if I paid {$500.00} my account would be paid as agreed Closed account on my Credit Report. I paid they {$500.00} and when I checked my Credit Report it says account Settled Less Than Amount Owed. This was a deceptive act. I would have never paid my {$500.00} if I knew this was going to happen. Everytime I call and speak with someone regarding this issue they say my account is in collections. I ask whats the name of the Collection Company? ; no one knows. They are double dipping which is against the law and IRS standings.

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 2018-11-29
Company: Experian Information Solutions 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:
Given that Experian is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint.. I have attempted to have Experian clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me.. Remove XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX/XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX 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
Consumer complaint received 2020-06-25
Company: State Home Mortgage
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The problem is State Home Mortgage made errors on my account and instead of acknowledging their error, they are hoping the problem goes away. I would like a resolution for this fraudulent company. My mortgage was sold to this horrible company soon after the closing and I have had the worst experience possible. This situation is regarding them not paying my mortgage insurance which wiped my escrow account the following year, which resulted in a major increase in my monthly payments. I went above and beyond in XXXX to make sure my payments were lowered and due to SHM not taking the time to catch the error my account is now ruined. They calculated the incorrect amount for my future insurance payments which did not cover the actual insurance payment, and the insurance company DROPPED my account. So, I was stuck with no insurance and a high mortgage payment. They did nothing to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cain & Weiner is reporting a debt on my XXXX credit report that does not belong to me. The file number is XXXX, originally belonging to XXXX Rental Car. I'v contacted Caine & Weiner several times letting them know the debt is not mine and requested removal. They even verified information over the phone to prove it doesn't belong to me ( they admitted as well ) but blamed it on XXXX. I have disputed the debt twice via XXXX, nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Experian Information Solutions Inc.
State: AR
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 was a victim of identity theft and the company isn't recognizing that and asking me to pay them back in full. I have substantial proof that I didn't do it and I would be glad to send you that proof as well. And it's reflecting on my credit score as if I owe this when in fact I was a victim.

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 2019-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 has an open XXXX XXXX case on my credit. According to the law of the Federal Trade Commission it suppose to be on my credit report for 7 years. It has been on my credit report since XX/XX/XXXX. The legal statue for the reporting has passed. My child is XXXX years old. Therefore, XXXX XXXX XXXX does not have an open case.

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 2019-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
CAPITAL ONE REFUSES TO OFFER A HARDSHIP PLAN! Account has not been paid since XX/XX/2019 and they are still refusing as of XX/XX/2019 to offer help to me. 

On top of that, Capital One has called me excessively regarding my delinquent accounts. They call every 30 minutes, even though they are able to leave a message. Today, Saturday, I have 6 calls from them in an 7 hour period.

** I have 2 Capital One accounts that are past due by 2 payments, soon to be 3 payments past due on the XXXX. 

** I've called several times over the past 4 weeks, and recently these are the 2 in-depth conversations listed below. 

XX/XX/19 : I talked to them for over 45 minutes, and was told the system didn't show any programs for me. Only that they could not charge a late fee, which doesn't help a thing. 

XX/XX/19 : I called today, and another rep also said no program is available, and then he told me that only ONE time in 24 months has he ever seen someone's account show a program. 

DECEPTIVE AND MISLEADING PRACTICE : When you are on the Capital One website, they have this automatic form that says " Payment Option '' " Build Your Payment Plan ''. No matter what number you type in there, it rejects your offer, unless you type in the entire past due and current amount. In other words, this form is rigged. I am behind {$290.00}, and it wouldn't approve {$50.00} a month, or {$100.00}, or {$150.00} a month or {$200.00} a month. It would only approve {$290.00} or higher. I can't afford {$100.00} a month, but I typed it in to see. 

ALL of my other creditors XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, ALL offered me a long-term hardship plan. All offered 0 %. EVERY SINGLE ONE. 

We are in a place of significant financial hardship. My income is down significantly since last year, and has been all through 2019, and we had a $ XXXX emergency vet expense, that required a down payment, to go on a vet payment plan. 

I can't keep up with the payments, and Capital One REFUSES to allow a plan. I've tried EVERYTHING to get on a plan. 

They just want to continue stacking fees on top of my 27 % interest rate. When it goes to collection and I finally get a settlement, the balance is going to be so high that it won't be doable then. They are absolutely the worst company to deal with. I wish I had never done business with them. In fact, I pro-actively closed all my accounts today! I will never do business with them ever. 

Their inability to help me is causing me emotional anxiety, extreme stress, poor health from the worry and not able to sleep, and hard to focus to keep business going during the day, especially with all their excessive phone calls. 

RESOLUTION SEEKING : 0 % Long-term payment plan - like my other creditors have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Atlanticus Services Corporation
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 at XXXX XXXX  XXXX time. I had called the customer service support center at XXXX and spoke to a representative named XXXX. I inquired about the status of my current Fortiva credit card and asked her on why did the company decided to close my credit card account? I also told her that I had also received an e-mail from Fortiva on XX/XX/2022 at XXXX regarding to the closure of my account, due to the fact that I did not use my card regularly even though my balance is absolutely at {$0.00} and I had always made monthly and annual payments for the fees they had charged me in full and early but never been late or short in payments. She told me that I was right and correct but she said what she is seeing on her computer is the one and only reason why it was closed because of non-use of the credit card activity. I immediately requested to see if I can speak to a different department who is authorized to review and reopen my account or someone who is higher in rank that is authorized to do the same but the representative became defiant so she refused and ignored my request. She told me I have to reapply again or wait for an invitation. She wanted to end the call quick and not provide outstanding customer service like he is supposed to as I am a valued consumer. The representative is very poorly trained and clearly XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-28
Company: Law Offices of Les Zieve
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear CFPB, On XX/XX/2019 I served XXXX XXXX, CEO of Zieve,  Brodnax , & Steele, LLP a Demand for Cancellation and Rescission of Notice of Default and Notice of Trustee Sale demand letter on TS # XXXX recorded on my property XXXX XXXX XXXX XXXX XXXX CA XXXX at the XXXX XXXX County Recorders Office . As of today, CEO, XXXX XXXX and his Zieve , Brodnax , & Steele LLP company has not responded to my demand letter ( copy attached ). 

Moreover, Attached you will find my Proof of Claim, Conditional Acceptance for Value served to XXXX XXXX XXXX XXXX, A Debt Collector, on XX/XX/2019 certified sent certified mail # XXXX. In addition, Under my private rights of action and administrative process I want to report that XXXX XXXX XXXX XXXX has repeatedly ignored and has failed to respond to my Qualified Written Request ( QWR ) and Dispute of Debt and Validation of Debt Demand Letter dated XXXX XXXX sent Certified Mail # XXXX. I never contracted with XXXX at any capacity and have never had any business relationship verbal or written. 

The XXXX Account # XXXX corresponding to my property at XXXX XXXX XXXX XXXX CA XXXX was created without my authorization and through identity theft of my personal and private information. My Second Notice of Fault in Dishonor and Opportunity to Cure demand letter was served to XXXX on XX/XX/2019 Certified Mail # XXXX My Third Notice of Default in Dishonor Discharge of Obligation to Pay Instrument was served to XXXX on XX/XX/2019 sent Certified Mail # XXXX. Finally, my Notarized Affidavit of Non Response was also served to XXXX sent Certified Mail # XXXX. 

As of today, XXXX has not responded to my Proof of Claim and Conditional Acceptance, Qualified Written Request and Validation of Debt, Fault in Dishonor and Opportunity, Notice of Default in Dishonor Discharge of Obligation to Pay demand letters. Attached please find the above mentioned demand letters and notices for your confirmation and records. 

XXXX XXXX, CEO and ZIEVE, BRODNAX, & STEELE LLC are hereby LAWFULLY NOTICED : you may be in violation of California Civil Code section 2920 - 2945.5 and you may find you are without authority. False Claims Act, and others ; and you may have committed and/or are a party to, numerous felonious acts committed against the State. 

Therefore, XXXX XXXX, CEO and ZIEVE, BRODNAX, & STEELE LLC, are hereby demanded to file in the XXXX XXXX County Recorder 's Office a CANCELLATION OF NOTICE OF TRUSTEE 'S SALE ( Rescission ) for the fraudulent Trustee 's Sale # XXXX on the referenced Deed of Trust within 10 calendar days. XXXX XXXX, CEO and ZIEVE, BRODNAX, & STEELE LLC are also demanded to deliver to me a fully executed copy of the same document at the referenced property address. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX of 2019 a transaction was made using an American Express serve card to make an online XXXX transaction I filed a cfpb complaint on XXXX and American Express serve customer care both 334 months later which was passed the deadline for American Express to dispute it they told me that I needed to contact XXXX XXXX responded to the cfpb complaint saying they are the an improper company and that they can not reimburse me for a transaction paid for through XXXX with an American Express card somebody's got to reimburse me I don't know who but somebody's got to reimburse me. Refer to cfpb case number XXXX complaint on XXXX and Amex serve. The serve statement for XX/XX/2019 shows a fraudulent charge of XXXX paid to a XXXX XXXX. Transaction Id number XXXX. I want require full reimbursement check mailed to me. At XXXX XXXX. XXXX XXXX in XXXX XXXX, Wisconsin XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: SUN LOAN COMPANY INC.
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Sun loan in XXXX XXXX Nevada has reported on my credit as me having 4 accounts. I only took 1 loan. I am trying to repair my credit and they are rereporting I was told. This is unfair! I have disputed this and tried to settle but was told it would not be removed

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 2021-11-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi bank claims I rejected thier rates skyrocketing in XXXX so they decided to close my account with out my authorization and stop my purchases during XXXX and XXXX XXXX  for no reason because I asked them to give me a reprensentative in th united state instead of a untrained XXXX agent on my telephone line that could not answer of why account was skyrocketing .This is a sabatoge of my account that i had since 2009 and racial profiling of my account due to my XXXX american diversity. FOR THEM TO LYE ON THIS PHONE XXXX TIMES AS THE REAL CAUSE OF THIS CASE COMES AS PLAIN AS SIMPLE MY DIVERSITY AS ALSO WITH THE COMMAND FOR CITI TO PUT MY ACCOUNT BACK LIKE I HAD SINCE 2009! THIS IS FULL RACIAL EVENT ON THIS CASE AS I CALLED THEM TODAY AS I AM WRITING TO CORRECT A WRONG WITH CITI ASSOCIATES CANCELLING MY ACCOUNT ON PURE A RACIAL DISCRIMINATION EVENT! my account should not been cancelled for defending my right to ask why was citi raising thier rates so high with the same credit card i had for since 2009 and could not give me a answer! I balieve the true issue was my race and the hard to answers the questions i had for thedm on line with XXXX different customer service agents that really could not answer!

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 2018-01-28
Company: M&T BANK CORPORATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We filed multiple disputes regarding XXXX XXXX XXXX XXXX, our original lender and M & T Bank, the bank that acquired both XXXX and our loan on XX/XX/XXXX M & T 's XX/XX/XXXX letter was non-responsive. They have no addressed concerns or fixed the mortgage errors I sent M & T a letter directly disputing their XX/XX/XXXX Letter

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 2019-05-16
Company: Navient Solutions, LLC.
State: TX
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:
My complaint is in regards to Navient. A check for {$160.00} is sent in every month, and I make the remainder of the payment at the beginning of the month as well. Navient misapplied my payment, when I sent an email on XX/XX/2019 to please apply the payment correctly to the remaining monthly balance I got an email back saying it would be completed. I get online today XX/XX/2019 and out of the {$69.00} that was paid online only {$25.00} was applied saying with a remaining balance showing owed. When I called in at XXXX the representative couldn't tell me where the remaining {$43.00} was and why it wasn't applied. Then the rep tells me that the account will not be updated until after the billing cycle on XX/XX/XXXX which is after my payments are due. I also received and email stating that I still needed to make my payment. The rep refused to transfer me to get the payment applied to show I do not owe money and so I won't receive any more emails saying I owe money which I do not. Now I have been sitting on hold for over 25 minutes. The rep on the phone will not speak or answer anymore questions and will only say that they can not help me anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As I gathered my annual credit report I noticed that there were a few of my hard inquiries that fell off but were reinstated and i never received a 5 day notice ( which is a FCRA violation ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The account was settled and the settlement amount was paid in full. I sent the information to Equifax and they have failed to properly verify the information and report it correctly on my credit report. The balance is XXXX  but they are still reporting a negative balance and stating it was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a TD bank customer and deposited a payroll check on XX/XX/XXXX through the mobile app in hopes that my funds will be available next business day as they said. On XX/XX/XXXX, I checked my account and not only are the funds not available but they are on hold for six days. I called the customer service XXXX where they advised me to go to a branch and speak to a branch manager. I go to the branch located located at XXXX XXXX XXXX in NY, I explained my issue to one of the personal bankers and she also advise me to see the branch manager that comes aXXXX XXXX. I returned to branch at XXXX to speak to the branch manager and it looks like everyone was hesitant to even ask her/him to see me. I speak to XXXX who tells me she will take my information and pass it along to the manager and I will hear from them within 3 hrs. About two hrs passed and they told me they are unable to help and to try to another branch with no further explanations. Now I am frustrated because I did as I was told and the branch did not provide with any answers or services. TD bank praises themselves as to be the most convenient bank but yet no one is able to help. I called back the XXXX customer service and told me the same story I need to speak with XXXX. I go to another branch located in XXXX XXXX XXXX, and speak with XXXX who told me the branch XXXX was not available and due to the fact that it was XXXX in Friday night, I need it to return on Monday morning. Now my frustrations are on high level since first no one could give me a straight answer as to what's going and how can I be help, no one attempted to even help me with my issue, XXXX at the XXXX XXXX advised that it is best to cash your check rather than to use the features that HIs bank TD offers. It seems that branch managers doesn't work past certain hours, therefore if you an an issue you just have to deal with it on your because they are unable to do so. I am very frustrated at this incident. TD does not hold their vision as to being the most convenient bank and yet I have not found one employees that could help me. I am very disgusted at the matter. They are misleading customers as to their vision and customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
trying to make a payment to XXXX XXXX XXXXXXXX lawfirm. they told me something along the lines that they cant discuss anything over the phone and that they will send a letter out to me. then i called back and got no answer. it keeps going straight to voicemail.

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