BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-21
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Barclay settled debt with me XX/XX/2018, account was converted to a XXXX XXXX owned by XXXX XXXX XXXX XXXX. Since account was previously settled before being converted I owe no debt to XXXX  XXXX, but credit report is showing status as charged off with a balance of {$2100.00}. Even after Barclay Bank put settled on credit report. XXXX XXXX changed status to show that I still owe them debt, and has marked my credit report with more late payments. Further damaging my credit. I have contacted them since XX/XX/2018 but keep on getting the run around of it being taken care of. Instead late payments are showing on my credit report to debt that I have settled with original creditor ( Barclay Bank Delaware ) and credit score has dropped making my credit unworthy of applying for student loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
i have several inquiries that i have no idea where they came from mainly the hospitals from XXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX, I verified my credit score with Equifax, and at that point in time, my score was XXXX. Today, XX/XX/XXXX, as I'm checking my credit score, I see that it changed from XXXX to XXXX. I have not had a single late payment in over a decade, closed accounts, opened new ones nor have I made any changes to my financial responsibilities. I was shocked when I saw that my score had dropped to XXXX for absolutely no reason. This is unethical abuse from Transunion and they should re-establish my credit score back to XXXX. Please feel free to contact me if you need anything from my end. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been waiting on a mortgage release now XX/XX/2015. In Ohio, a lender must record the satisfaction of a residential mortgage within 90 days from the date the mortgage was paid off. If the mortgage lender fails to comply with this requirement, the borrower may recover, in a civil action, damages of {$250.00}. This provision does n't prevent the borrower from seeking any other remedies that might be available to him or her. See ORC section 5301.36.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am a XXXX Citizen who is working as XXXX in XXXX XXXX, XXXX ( XXXX ). I have been trying to start an investment account in the XXXX for my retirement, but no company ( XXXX, XXXX, XXXX, Capital One, etc ... ) will do business with me because I reside overseas. I literally ca n't invest for my retirement in the XXXX because the XXXX firms are unwilling to work with me, a XXXX Citizen with a XXXX mailing address ( Minnesota ). How can these XXXX based companies discriminate against a XXXX citizen by refusing to create a XXXX Dollar based investment account solely because I reside abroad? I 'm not a rich person, and I am trying to save for retirement, but I am finding this to be impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Experian Information Solutions Inc.
State: IA
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 an account with XXXX XXXX XXXX that was originally opened back in XX/XX/XXXX. I have been disputed the status of the account on my Experian credit bureau report for several months now due to fraudulent charges from a lost/stolen card reported back in XX/XX/XXXX I believe. Honestly I can not remember the exact dates as it had been a long time ago and aot had happened, but I can tell you this much my Identity was stolen at some point late in XX/XX/XXXX including social security number and my banking information among some other personal information. So not only was my XXXX credit card compromised at some point in XX/XX/XXXX or beyond, but my identity was compromised as well. I had filed police reports about my identity theft with the alleged person I think was the perpetrator. However nothing was ever done to prosecute him to the best of my knowledge. Although I did provided the local police department in XXXX IA with some evidence, they seemed to have lost the evidence I provided them. I feel like the police either didn't care about my case or he had somebody working with him from inside the police force itself. You know as well as I do that there are crooked police officers out there unfortunately. Anyway, I filed all fraud reports with XXXX XXXX XXXX in a timely manner and to the best of my abilities. However, if they requested any follow up with me, I was out of state after XX/XX/XXXX due to some personal issues. I'm not sure when the account actually went into a negative status, but it never should have due to the fraudulent activity on the account from the loss of the card I previously mentioned in this statement. I have nothing further to add at this time. Please refer to all my previous disputes I filed with the Experian credit bureau specifically. Thank you for your time and understanding in this matter.

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 2021-07-10
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: EQUIFAX, INC.
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 been checking my credit and I have found some late payments in my XXXX XXXX account # XXXX, under FCRA,15 U.S.C 1681 I'm requesting the physical proof of these late items with according with FCRA you should have on file in order to provide one hundred percent accuracy on these report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
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: Information belongs to someone else

Complaint:
XXXX XXXX is reporting on my credit as a foreclosure and updating recently. I have never had a loan with this company nor do I know who they are. This is not mine and it needs to be 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 2018-06-17
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a response from Citibank Client Services, dated XX/XX/XXXX. Response indicated that I received a XXXX for the XX/XX/XXXX tax year. And that the debt was charged off on XX/XX/XXXX. 

Upon review of my records for the XX/XX/XXXX tax year, no XXXX was received by myself. And I did not make any unsecured debt payments to any creditor past XX/XX/XXXX. 

I wrote a letter to Citibank Client Services, attention XXXX XXXX of the Executive Response Unit. I indicated the above concerns and to please verify that this is my account. The letter was sent certified mail and was delivered on XX/XX/XXXX. To date no response has been received from Citibank client services. Ref Case # XXXX. Please see attached letter dated XX/XX/XXXX addressed to XXXX XXXX, Citibank. Certified mail tracking number 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 2018-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
For well over 6 months, Bank of America has been attempting to fix a problem with the " Extra Security at Sign On '' feature ( 2 factor authentication ) that allows consumers to secure their bank accounts by receiving an access code by email or text in order to access the account. 

It doesn't work and when it's enabled I simply receive " We're sorry, but we're currently unable to complete your request. Please try again later '' and get locked out of my account and unable to access anything until I call BofA and get a customer service person to generate a code and disable the defective feature. 

There is an open case with technical support.

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 2021-07-10
Company: AMERISAVE MORTGAGE CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had worked with AmeriSave to refinance my primary residence last year and had a very good experience. I decided to use them again to refinance my condominium. I applied for that refinance on XX/XX/XXXX and paid a {$500.00} application fee ( see attached receipt ). 

After several months, AmeriSave believed that the HOA did not have sufficient flood coverage for them to underwrite. The HOA believed that there was sufficient coverage ( and had several owners refinance their properties during the same time without issue ). The loan process ended in early XXXX following the impasse. 

The loan processor offered to refund the application fee and requested such on XX/XX/XXXX. After several follow-ups to both the loan processor and his manager, I still have not received the {$500.00} refund ( see other emails attached ).

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 monetary relief
Consumer complaint received 2018-03-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent dispute letters to the credit bureaus and to XXXX XXXX XXXX   beginning on XX/XX/XXXX and continue to send letters XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the information reported on my credit has been reported inaccurately and has not been reported in compliance with with FCRA and FDCPA guidelines.

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 2018-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I HAVE A XXXX XXXX CREDIT STEPS PROGRAM CARD, IN THIS PROGRAM IF YOU MAKE YOUR CREDIT CARD PAYMENTS EARLY OR ON-TIME XXXX XXXX WILL ADVANCE YOU TO A XXXX CREDIT CARD A ND RAISE THE CREDIT LIMIT FROM {$300.00} TO {$500.00}. I COMPLETED THE PROGRAM SUCESSFULLY AND WAS GRANTED THE XXXX CARD W/ {$500.00} LIMIT. UNFORTUNALEY IN XX/XX/2018 WE HAD A DECLARED NATURAL DISASTER " MICHEAL '' THAT HIT SOUTH CAROLINA XX/XX/2018. I IMMEDIATLEY CONTACTED XXXX XXXX  TO MAKE THEM AWARE AND I WAS TOLD THAT A NATURAL DISASTER CODE WAS PLACED ON MY ACCOUNT TO AVOID HURTING MY CREDIT RE : LATE PMNTS ON THIS ACCOUNT. XXXX XXXX STILL CONTINUED TO LEAVE THE LATE PMNT DELINQUENCY ON MY CREDIT FILE AFTER SPEAKING WITH ME ABOUT THIS SEVERAL TIMES. I WAS NEVER GIVEN ANY INFORMATION OR ADDRESS TO SUBMIT MY DOCUMENTATION TO REMOVE THE LATE PMNT FROM MY ACCOUNT " WHICH THEY DO HAVE AVAILIBLE '' XXXX XXXX KEEPS GIVING ME THE RUN-AROUND IN RESOLVING THIS ISSUE AND IN RETURN THIS IS RUINING MY CREDIT SCORE.

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 2018-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
In Mid XX/XX/2018, I completed an application for the Capital One Venture Card with the following terms : 0 % interest for 12 months for balance transfers and no balance transfer fee. There was also a promotional rate for new purchases. I was approved for the card at the time of the application with a {$10000.00} credit limit. 
I went on line to complete a balance transfer and received a message that I needed to wait so many days to complete a balance transfer. I waited the specified days and returned to my online account. The balance transfer rate was 20 %. I contacted Capital One on several occasions towards the end of XX/XX/2018. On XX/XX/2018, I was told by the employee that I spoke with that I indeed did have the 0 % for balance transfer and new purchases. He told me that I could complete the balance transfer on line even though the other rate displayed and that the promotional rate would be given. 
In early XX/XX/XXXX I noticed that I was being charged an interest rate of 23.74 %. I have made multiple attempts to contact Capital One to have this issue resolved. 
I asked for the call at the end of XX/XX/XXXX to be pulled. Staff at Capital One acknowledged that one of their staff members told me that I indeed did have a 0 % promotional rate on balance transfers, however went on to state that the information he told me was incorrect and that they were going to use this a teaching opportunity for the employee. I was also told that since I could see the rate on line essentially that I am out of luck. 
I have refused to accept this as an answer. Two weeks ago on XX/XX/2018 I called and my call was transferred to XXXX in the executive office in XXXX XXXX, Nevada. She indicated that she would be handling my case, assigned case number XXXX and stated that she would call in 1 week with a status update. I did not hear back in the specified time and called on XXXX-I initially spoke with a XXXX on the east coast who diligently tried to assist me and transferred me to a supervisor who then transferred me to XXXX voice mail. I left a message and to date have not received a response back from her. I called again today XX/XX/2018 and spoke with a XXXX who told me that my case has not even been assigned. He kept saying that they are back logged and when one case is closed the next case is assigned. 
I am requesting that the call from XX/XX/2018 be pulled and the promotional rate be honored by Capital One. I have been charged in excess of {$200.00} in interest in 2 very short months with no action from Capital One. 
I appreciate any assistance in this matter. 
On another note Capital One has my SSN incorrectly listed. This was conveyed to XXXX on XX/XX/2018.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-22
Company: Supreme Lending
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was misinformed the entire time of my loan approval process and lost {$2000.00}. I was told I was approved for the house more than a month ago. 2 days before the option period I was told unfortunate news that it was there was so confusion and I would need more money to close.. I then asked if that was all that was needed along with paying off requested accounts and I was told yes.. After the option period I was told interest jumped on me. I accepted and we moved on agreeing that I would have to sell a truck on my name. Then a week before closing I was told a mistake was made with entering my yearly income and was told could not close till I got yet another account cleared. I was completely told the wrong information the entire time along with mistakes made that weren't mine. Outcome - We did not close and I lost {$2000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Experian Information Solutions Inc.
State: SC
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:
I HAVE A XXXX XXXX CREDIT STEPS PROGRAM CARD, IN THIS PROGRAM IF YOU MAKE YOUR CREDIT CARD PAYMENTS EARLY OR ON-TIME XXXX XXXX WILL ADVANCE YOU TO A XXXX CREDIT CARD A ND RAISE THE CREDIT LIMIT FROM {$300.00} TO {$500.00}. I COMPLETED THE PROGRAM SUCESSFULLY AND WAS GRANTED THE XXXX CARD W/ {$500.00} LIMIT. UNFORTUNALEY IN XX/XX/2018 WE HAD A DECLARED NATURAL DISASTER " MICHEAL '' THAT HIT SOUTH CAROLINA XX/XX/2018 I IMMEDIATLEY CONTACTED XXXX XXXX TO MAKE THEM AWARE AND I WAS TOLD THAT A NATURAL DISASTER CODE WAS PLACED ON MY ACCOUNT TO AVOID HURTING MY CREDIT RE : LATE PMNTS ON THIS ACCOUNT. XXXX XXXX STILL CONTINUED TO LEAVE THE LATE PMNT DELINQUENCY ON MY CREDIT FILE AFTER SPEAKING WITH ME ABOUT THIS SEVERAL TIMES. I WAS NEVER GIVEN ANY INFORMATION OR ADDRESS TO SUBMIT MY DOCUMENTATION TO REMOVE THE LATE PMNT FROM MY ACCOUNT " WHICH THEY DO HAVE AVAILIBLE '' XXXX XXXX  KEEPS GIVING ME THE RUN-AROUND IN RESOLVING THIS ISSUE AND IN RETURN THIS IS RUINING MY CREDIT SCORE.

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 2018-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I told Capital One to stop calling this number XXXX last XX/XX/XXXX. I again reminded them on XX/XX/XXXX and have still gotten calls since. After that, I got calls on the following dates : XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX I told them multiple times I could be reached at my cell phone ONLY. And that this was a business number and to NOT contact me at that number because it could get me fired. Yet they continued to multiple times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-16
Company: FORD MOTOR CREDIT CO.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This Ford Motor Credit account # XXXX has been " Paid-in-Full ''. The account is not in a " Payment Plan ''. It should be listed as " Closed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX held my eviction court appearance letter in order for them to win by default in XX/XX/2017. By doing so I had no knowledge of when to go to court which may have extended my time there allowing me time to get caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: EQUIFAX, INC.
State: TX
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:
Equifax removed account information from my account that I never asked them to remove. These accounts are my accounts. I am not sure why Equifax deleted these accounts, however this drastically hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Experian Information Solutions Inc.
State: GA
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 realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit 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