BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-23
Company: Critical Resolution Mediation LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On multiple occasions a company called with the # XXXX. Called my phone, my husband, my dad, my sister and my brother in-law. They give all of my information to every person stating i owe a certain amount of money to XXXX XXXX which i don't even have on my credit report anymore. They then yell at you saying they will take legal actions and arrest and put you in jail for this situation. I then call back asking them to stop calling me and to leave my family alone and they just hang up on you. The last time i spoke with them and asked them to stop calling me was yesterday XX/XX/19.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
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 information incorrect

Complaint:
I XXXX XXXX paid off the mortgage at XXXX XXXX XXXX XXXX in XXXX, MD XXXX on XX/XX/2021. It still shows that I have a balance of $ 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 2018-06-19
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX, XXXX XXXX evidently turned over an unknown account to a collection company called XXXX. I have not received any correspondence from this company or phone calls. I work for a small company as XXXX XXXX XXXX XXXX XXXX XXXX XXXX., I have a business account. My BOSS, my BOSS, came into me this morning and handed me a collection bill that was sent to HIS HOME. Again, the boss of my company received a collection notice with my name mailed to his HOME ADDRESS. I have never used his home address but have been told as an add on to his business card, it is possible his address is listed on my credit report. This company said that had my current home address but changed it to my Bosses home address. I am mortified. The representative for XXXX could not give me any answer as to why and his supervisor only told him to be a " cease contact '' in my profile to no longer contact me. I need to they could have attained my bosses HOME address, not work and how it is legal for them to send any personal correspondence about me without verifying addresses. I am worried I am going to lose my job. I need explanation from this company and what resources I can take towards releasing personal information to my employers home address.

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 2018-11-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I contacted USAA to report a deposit that was put in my account on XX/XX/2018, the USAA reps were not able to identify who or where the transfer was from, they then locked my account and prohibeted me from access any of my own money. USAA then told me that it would be 2-3 business before I could have access to my account or my money. I made several phone calls to USAA and went to the XXXX XXXX and no one helped me to get access to my own money, even after I explained that I had no money and I had no other bank account. I explained that I could not wait 2-3 business days to buy gas, food and supplies. Despite the fact that this coming Monday is a holiday and will delay the broken process USAA has in place, nobody at USAA assisted me or attempted to give me access to any of my own money. Pentalyzing the victim is a crime in itself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I requested a transfer balance from XXXX XXXX to pay off my Capital one account due to the high interest rate. The transfer was to be processed in time to pay the balance in full by XXXX XXXX ( this has been going on for so long I cant remember ). When XXXX XXXX sent the transfer it was not accepted by Capital one ... .is this possibly a way to keep it from posting to get more interest posted??? Anyway, XXXX XXXX had to sent me a paper check to forward to Capital One ( which in these days of technology I question ). Nonetheless, I sent the paper check, but by now so much time has passed that interest did post, which is the interest I disputed with the customer service department, who sent me to the payment department, to which I faxed a letter of explanation and a copy of the letter from XXXX XXXX indicating that the transfer was not processed and thereby a check was being sent to be forwarded by me.. in all my years of a couple balance transfers, never had this happen ) Once I saw that the balance was down to XXXX, I discarded the previous conversations I had with Capital One employees, but I am sure they have correspondence and dicta phone recordings to verify which can be tracked from my home phone. 
I did start keeping my notes again when the new charges were billed. On XX/XX/2019 at approximately XXXX XXXX I spoke with XXXX. He stated he did see the previous info on my account and that he couldn't adjust the interest, but could transfer me to a supervisor when they arrived in about 2 minutes ( by this time I assume it was about XXXX and they arrive at XXXX, but for some reason, my notes indicate I didn't speak with XXXX until about XXXX XXXX ). XXXX, the supervisor, stated she could not waive the interest due to the previous interest being reversed. I tried to explain, once again, what happened, but it was to no avail. 
Capital One credited my card by reversing the finance charges, I paid a new charge as soon as I saw it posted to insure the balance stayed at XXXX, then I still get yet another bill for interest in the amount of {$22.00}. It's like a never ending cycle. I called but was informed that since they reversed the previous interest there was nothing they could do. 
If the interest was reversed to correct the error, then I'm charged interest again due to the fact that it took so long to get the error corrected, as for what I have been told the new interest is due to the account not being paid in full ( But it's due to the interest that I had to get reversed, all other charges were paid!!!!!! ). How is it that I should now pay interest for previous interest that was charged and reversed? 
Anyway, I do not feel the interest should remain due to the circumstances.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Navient refuses to honor the terms of my private loan agreement and place my account in Forbearance. After refusing to place my account in the student deferment I am entitled to as an enrolled student, and multiple formal complaints filed, I was informed by Navient representative XXXX XXXX that I was eligible for 12 months of voluntary forbearance. I stated I wanted to use my forbearance as my financial situation is difficult and I can not afford payments at this time. I completed all paperwork necessary and ( after more formal complaints ) a forbearance was applied to my account, but only for 3 months This forbearance expires on XX/XX/18. I again went through the hassle of applying for the forbearance in mid XX/XX/2018 as I need to use my full 12 months. I received a message that I needed to send a {$50.00} payment in order to have the forbearance applied. While I find this unreasonable and very difficult to manage, I still emptied my bank account to send this payment. Navient cashed the payment on XX/XX/18 but then sent me a notice on XX/XX/18 that my forbearance was denied because they " did not receive my payment. Not only has the check cleared my account, but Navient has posted the payment to my private loan in question. The payment was postd to my account days before the denial was sent. In contacting them again, I was told to call, which I believe is an intentional tactic to avoid having anything in writing, which they could be held to or used as proof to support any action against them. I can not call due to my work schedule, and even if I could, I do not trust the company to honor anything said given the long history of deception and dishonesty from this company. I believe this is an intentional deception to force extra payments on this account. This has been an ongoing problem with Navient and they consistently refuse to apply deferments and forbearance as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Utah System of Higher Education
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : UHEAA XXXX - XXXX, XX/XX/2019 XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citibank Citibank closed my checking account and hold money for 30 to 60 days. I dont even know if i would get my money back or not. In the middle of covid 19 and we are scraping by. Horrible bank. Horrible customer service. People are rude. Local bank are rude. I really need help.

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 2018-11-08
Company: Experian Information Solutions Inc.
State: OH
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:
Countless, time after time I have asked Experian to investigate not verify these accounts that are on my credit report. I keep getting the same old message that the accounts have been verified. XXXX is not a form of investigation. I have numerous accounts that have been opened in my maiden name. I been under XXXX for 23 plus years and still remain XXXX presently. I have reached out to the creditors asking to send me a signed credit agreement with my signature showing that I agreed to these erroneous accounts. There is also bankruptcies that Experian states was verified but I know is not true because bankruptcy do not report to third parties nor do they give out information via phone. Experian has constantly told me they will not reinvestigate my disputes which is against the law. Accounts have been removed and put back on without valid investigation. I have sent in I D theft affidavit, I made a police report years ago back in XX/XX/2012. I am at my wits end with Experian thinking they can do as they please. Experian has had massive data breaches and was never told. No one consumer should have to endure this foolishness with these credit reporting agencies, especially when the burden of proof is on them. Consumers cant provide any paper work or contracts if there was never one signed. Online credit applications should be banned unless proper identification is mailed in. XXXX XXXX and XXXX XXXX need to be removed. Till I can get this I D theft situation resolved and all these accounts with the last name of XXXX removed these accounts are : XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, both total accounts, discover was removed and put back on without my investigation, XXXX, XXXX   XXXX XXXX, XXXX XXXX, XXXX. Please do not close my case and send a duplicate letter stating Experian is handling this situation. I have tried to resolve this with Experian and this is my last attempt before filing a lawsuit. I dont need cpfb to be the middle man I need cpfb to fix the situation asap for this is damaging my score tremendously. While disputing these accounts need to be removed by law. Do not put anything in my REMARKS column unless I authorize it. That is for the consumers!

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 2018-11-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
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 customer service

Complaint:
This is my third complaint regarding USAA. There was a balance transfer to my account that should never have happened. There were fees charged by USAA. Eventually USAA reversed the bogus balance transfer. However they made duplicate corrections and reversals for fees and interest that resulted in a balance due of {$69.00}. The account balance should be XXXX. But, because of USAA 's incompetence and posting of duplicate charges and reversals, they show a balance due. I closed my USAA account because of their incompetence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
I had contacted Capital One twice. My concern was that I had paid off my balance and they had stilled charged me interest on a balance that I had paid off in full. I had talked to someone on XX/XX/XXXX. They continue to tell me that my the interest is from the balance from XX/XX/XXXX, even though I had initiated a payment for the full amount on XX/XX/. Payment was not posted until XX/XX/2018. This is the reason they are giving me that I still owed them. 
They are telling me that I had not paid the XX/XX/XXXX balance in full so therefore I owe them that interest. 
I had told them that the other credit cards I have, did not charge me interest. They claim that I got a deal or some discount I asked for. 

I did not ask for a discount or deal. I had told them they are ripping people over, and you can never pay this card off. 
The other concern is that I have been paying interest on a cash advance that I had paid back along time ago. The lady had told me that the monies I pay goes towards interest on the cash advance along with purchases. The interest is the same she tells me for the cash advances and purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: FULTON FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hello, I have zeroed out my balance with Fulton bank account number XXXX and have tried to close the account for 3 months. I have faxed in 3 separate signed letters all requesting that the account be closed. The account is still not closed. I have tried calling but no one ever answers the phone even after being on hold for over an hour. My account was never properly set up for online access so I can not close it that way.

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 2018-08-27
Company: HCFS Healthcare Financial Services of TeamHealth
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 2 invalid accounts from XXXX XXXX XXXX on my XXXX credit report. One is for {$200.00} and one is for {$50.00}. I have done proper disputes on these accounts with XXXX beginning XX/XX/2018. I also filed a request for debt validation from XXXX XXXX XXXX on XX/XX/2018. XXXX has not verified these accounts or identified the original healthcare provider, and continue to verify these false unknown medical accounts to XXXX, the only credit reporting agency reporting this information. 
Verifying information to credit reporting agencies without proper validation is a violation of consumer laws.

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 2022-10-06
Company: EQUIFAX, INC.
State: IL
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 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 ; According to FCRA Section 605B ( a ) the CREDITREPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: NAVY FEDERAL CREDIT UNION
State: NC
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:
I found out end of XX/XX/XXXX that there was an account for a credit card I didn't recognize, this account is showing on my report and the bank is Navy federal credit Union. My ex-husband open and used this account on his own with my information, without my consent.I called NFCU and they help me report the fraudulent account, however, they are telling me that since the account was set up in my name I'm responsible for any balance. XXXX XXXX had set up the account using his email, phone number, mailing address, setting up username and password as well. it seems that has been using this account to pay off credit cards on his name making balance transfers electronically. I believe he was not able to open an account on his name with NFCU due to the fact that he previously filed bakruptcy. Also, I remarried and changed my name legally in 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 2020-10-13
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our homeowner 's insurance through XXXX 's XXXX is to paid through our mortgage escrow account and was due on XX/XX/20. We got a pre cancellation notice from our insurance company because LoanCare had still not paid the premium. After numerous phone calls,  we finally got the premium paid on XX/XX/20. We were told a bulk check had been sent and there were errors on it that kept getting it kicked back. When we called the last time, the representative sent a separate check just for us. She then told us that she would have to refund the first payment that went out where the error happened. It is now XX/XX/20, and we still do not have the amount of {$1300.00} returned to our escrow. We have called the company over 20 times and spend many hours on the phone. We keep getting the run around and different answers every time we call.

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 2019-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for this credit card because it advertised {$150.00} cash rewards after spending {$500.00} in the first 3 months. I did not get the reward so I called. It clearly says for the card I received {$150.00} cash back. The directed me to scroll down and the fine print contradicts the advertisement. This is misleading, deceptive and false advertisement. Here is a link to the page. There is a ( * ) next to the claim of {$150.00} cash back. This is supposed to lead you to the fine print that contradicts it. https : //www.capitalone.com/credit-cards/cash-back/quicksilver/

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-19
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:
spoken with XXXX, transunion, and XXXX on numerous occasions about my credit score dropping. my credit score was at XXXX then dropped to XXXX, and again on XX/XX/2018 to XXXX now as i stated before i pay for a service to monitor my credit score and or file but to have inconsistencies regarding my score dropping is unreal based upon me paying all my bills on time without delay and decreasing the overall debt ratio of my credit file.in addition i believe that they meaning reporting agencies are deliberately defarud me of my right as an consumer, by not reporting correctly however charging fees for inconsistent reports. i would like to be able to sue in federal court based upon deliberately reporting false information on my credit file and report to others.

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