BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
- I opened a checking account earlier this month with USAA and my account immediately put of freeze and I can not activate or even get online and usaa has said that it was due to requiring a picture of my drivers license and then I would have complete access I tried for over a week sending the pictures and usaa has a different excuse every time from the system takes 2 days to their fax machine didnt peint it in color all of which is not my fault and then I recieved a letter saying that if I dont send in my ID by XX/XX/XXXX then they will close my account and it will show negatively on my report and they will also block my online access as a result ( they already did ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On XX/XX/XXXX at approximately XXXX EST I logged into Capitalone.com to pay off my credit card in the amount of {$2500.00} ; my payment was dueXX/XX/XXXX. Immediately after I completed the transaction on the same date and at approximately XXXX EST I called Capital One to close my account. There was an automated service for account closings but I wanted to make sure that I spoke with a person to ensure my account was closed. The represenative I spoke with said he would close the account but that I would receive a final statement for interest. I advised that the interest is always charged on the XXXX of the month and charged when there is still a balance ; I had no balance. I also advised him that I made sure that I paid the current balance, that the current balance and statement balance were the same amount and that the full payment was made before the due date and before the next statement closing. He asked me if I would like confirmation of my account closing in writing and I advised I would, however, I still have yet to receive that in the mail ; my online account is currently notated as " restricted ''. He then threatened me with not only interest but interest accuring on top of the interest I allegedly owe in addition to fees until I paid Capital One. I asked him to notate my account as I would be filing a complaint. I continued to receive e-mails, more e-mails reminding me there was an alleged payment due in the amount of {$43.00} than I ever received when I had an account open. I called today, XX/XX/XXXX at approximately XXXX XXXX EST and spoke with a supervisor named XXXX. She said she would put me on hold and look into getting the {$43.00} " waived ''. She said they could not waive the interest although it is my position they should fix their erroneous calculation. XXXX also stated that the notes indicated the represenative that I spoke with on XX/XX/XXXX offered me a payoff amount ; he did no such thing, he said I would receive a final statement for the interest and offered threats because I advised I would be disputing any amount charged and because I paid off my entire current balance and closed the account. I asked XXXX to notate further that I would be filing a complaint with the Consumer Finance Bureau.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-02
Company: I.C. System, Inc.
State: IL
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:
Several collections were added to my credit report that had been removed previously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Around three months ago I attempted to trade a vehicle. I backed out of this transaction, but not before the dealer paid off the loan. The account was closed for approximately three months, before being re-opened without any notification to myself. I had initiated this process, and was advised that I would be told when the account was returned to a normal state. Ever since I have been fighting the finance company to remove late fees and correct the balance so I can accurately settle the account. The information I give them never goes beyond the customer service rep I speak to, and written communications in their portal go for long periods without reply, and when they do finally reply there is again no action being taken. I don't know what else to do besides submit an official complaint, as my attempts to correct this with the company have gone nowhere for two months now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-02
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I submitted complaint XXXX in XXXX because Mr. Cooper was not processing my payments correctly. In response to my complaint they suspended my due date until XXXX XX/XX/2019 and promised that future payments would be processed correctly. When I attempted to process a payment on XXXX XX/XX/2019. The payment system perpetuated the same error I made the previous complaint about. Mr. Cooper made the following promise in their response : " Please note that because the account was current when we received the payments detailed above, the funds were applied to reduce the principal balance due on the loan. We understand any inconvenience that may create. We have submitted a request on XX/XX/2019, for a Message Code XXXX to be added to the account. This will prompt for a review to be completed of the payment details to ensure proper application. '' This was untrue and they did not fulfill. My payment should as regular payment when I submitted and was switched again to principle payment during processing. This causes two harms : failure to pay down accrued interest and failure to process escrow payments. At this point I have no faith the payment system is displaying correct information about the loan and I have no reliable way to reconcile to correct amount of interest charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
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 contacted this company on XXXX explaining in detail that I am a victim of identity theft. I even attached all the documents that Is needed to proof my claims. But to my surprise, this company is still reporting these fraudulent accounts even after receiving my claims. Thus the reason for my writing this letter is to inform your dispute department that I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. Below are the fraudulent accounts that I need to be removed : XXXX XXXX XXXX  XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX I am attaching all the documents I sent to them earlier for your reference

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 2019-03-28
Company: CITIBANK, N.A.
State: AR
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:
Citi sent me an adverse action letter reducing my credit limit from XXXX down to XXXX  on on of my accounts. When I chatted online with Citi to ask them to reconsider. The rep, XXXX, told me that XXXX asked Citi to reduce my credit line and that " per the Federal Law we are bound to follow credit agencies, since XXXX asked us to reduced your credit limit '' This information is not correct. 
So I called in to Citi 's customer service line, and a rep on the phone told me the same thing, and gave me XXXX  's number ( XXXX ), telling me that XXXX  would be able to consider restoring my credit line with Citi ... 
Why it Citi allowed to lie to it's customers? 

Citi chat conversation pasted below : XXXX at XXXX, XX/XX/XXXX : Welcome to Citi Live Chat. We appreciate the opportunity to serve you. Can you allow me a moment while I review your request? 
You at XXXX, XX/XX/XXXX : Absolutely! 
XXXX at XXXX, XX/XX/XXXX : Could you please verify the last 2 digits of your credit card? 
You at XXXX, XX/XX/XXXX : The card in question ends in XXXX XXXX at XXXX, XX/XX/XXXX : Thank you. 
You at XXXX, XX/XX/XXXX : My pleasure! 
XXXX at XXXX, XX/XX/XXXX : Thank you for your patience. 
XXXX at XXXX, XX/XX/XXXX : We were notified by XXXX  that there are substantial debts with other 2 creditors and we were asked to decrease your credit line from XXXX to XXXX. If you disagree with it, you XXXX certainly dispute it through XXXX  and get back to us. We would be happy to submit a request for your credit line increase again. 
You at XXXX, XX/XX/XXXX : What do you mean? It was XXXX then it was knocked down to 1960? 
You at XXXX, XX/XX/XXXX : I have perfect on time payment history will all creditors, including citi for 8 years You at XXXX, XX/XX/XXXX : My double cash card is XXXX years old XXXX at XXXX, XX/XX/XXXX : I can understand but we were asked to do that, as per the Federal Law we are bound to follow credit agencies, since XXXX asked us to reduced your credit limit, you need to contact them and ask why it has been reported, if you see any discrepancy in your credit report, you may contact us again and we will raise your request to increase your credit limit again.

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 2018-05-24
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent out a debt validation letter to Diversified Consultants on XX/XX/2018 asking for them to validate debt. Today XX/XX/2018 I received a letter from Diversified Consultants with just a bill inside, that is not validation. When I mentioned validation I was referring to a signed contract with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX recently reported to the 3 credit bureaus that our Home Equity Loan had multiple late payments. This has prevented the automatic underwriting process from being able to qualify us for a new mortgage. We presented evidence from our checking accounts that each and every month during the period where the late payments were claimed were in fact made. We submitted the evidence and the response from XXXX XXXX was a 200 page document dump that did not relate to the Home Equity account, but a credit account which is closed. XXXX XXXX indicated in their letter and document dump that they had reviewed the account and had made the correct reporting of derogatory information. This response is not factually or legally correct. 

The company we are working with to secure a mortgage have reached out to Transunion, XXXXXXXX/XXXX, XXXX/XXXX and they have received the evidence and have refused to make the requested changes as well.

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 2019-03-12
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent this collection agency a validation of account letter on XX/XX/19 trying to get information about the original creditors. I asked that they provide me with documentation showing the original creditors, account number, complete payment history. I also requested documentation showing that I agreed to pay the past due amount on this account, any agreements that were granted authorizing them to collect this alleged debt because Ive never had any written or verbal contract with this agency. The only information I was sent was original creditors address, account number, and balance. They didnt provide any clarification showing how this alleged debt was calculated or my responsibility for this account. I disputed the original creditors file on my credit report and when they couldnt provide me with the information asked for they were deleted from my credit report so they decided to give the alleged debt to this collection agency who like I said before Ive never had any sort of contract with to collect on something that they havent provided any accurate information about this alleged debt. This agency is continuously running this alleged debt every month on my credit report damaging my score which isnt fair because they have failed to provide me accurate information. Would someone please assist me in correcting this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Lending Club Corp
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company continues to report the date my loan was issued on an incorrect date, the loan was issued 30 days after the designated date and my first payment was deducted on the same day the loan was issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: EQUIFAX, INC.
State: TX
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 the consumer declare that in XXXX XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed there were several accounts and multiple hard inquiries I did not recognize and did not authorize. Those accounts contained account numbers that I did not recognize and origination dates that are clearly erroneous. I did not open or said accounts with any of those companies on the dates listed on my credit report. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission from XXXX XXXX to XXXX XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the XXXX Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.I put Equifax, XXXX, and XXXX on notice and they have not complied within 30 days time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Recently I recieved the decision for my latest dispute of the late payment on my payment history. I am asking if it were at all possible to remove the late payments from my acount. I am attempting to clean up my credit score as I have been very strict since the incident to be on top of all bills that I have. I would really appreciate the opportunity to remove the late fees as I continue to stay a member of Capital One. Is there any thing that I can possibly do to remove the late payment marks? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
No knowledge of this account, noticed this on my credit report. Did not receive right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: ALLY FINANCIAL INC.
State: NY
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:
For 2 years I have paid my monthly bill on time and in full. Recently was in between jobs and had a gap where I was able to make weekly payments instead of one time monthly fee. 

XXXX Payment was reported for being late even though payments were being made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I also answered phone attempts by Ally Financial during this time period where representatives agreed verbally on a recorded line to give me one week to complete my payment which would have taken me over the 30 day mark, those payments were made and paid in full.

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 2019-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
There was a car loan from capital one auto finance in my name in XX/XX/2017, which I have disputed to be removed from my credit report since it has been repossessed and sold off. I tried contacting the company to fix this error on my report and they keep sending me affidavits for identity theft which this is not the case. I am trying to have this incorrect balance reporting removed because this vehicle was repossessed after i was not able to pay after being diagnosed with a XXXX  sickness and not being able to work. I do not owe the balance that is reporting on my credit and this need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: EQUIFAX, INC.
State: NC
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:
The collection agency has sent this letter to the bureaus multiple times to delete and the bureaus have refused to remove and update the records accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I thought I was paying a debt I owed to the a state of California agency. This caused distress as I am a XXXX XXXX XXXX. I paid the debt not realizing that it was actually a debt collection company for medical debt. The name California Business Bureau is very misleading and is purposefully intended to trick consumers and pressure them into paying by associating itself as a state agency or credit bureau. 

Pursuant to Federal Trade Commission ( FTC ) Opinion Letters XXXX ( XXXX ) and XXXX ( XXXX ), CALIFORNIA BUSINESS BUREAU, is in violation of Section 807 ( 16 ) of the  FDCPA which states " a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' This company is engaging in capricious activity and attempting to mislead consumers by associating itself with the state of California and as a credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
case XXXX CFPB # XXXX ACCT. ENDING IN XXXX I really don't understand why Capital One can't answer this simple question they have closed both of my accounts just out of the blue one day I have asked over and over again I even called in the woman on the phone says that it look like I had a dispute that I didn't tell the truth on I asked her which dispute she was talking about she didn't know and I've asked Capital One over and over again to please tell me why they've closed my account they keep telling me that they reviewed my activity but they haven't been able to tell me why specifically why you close my account what I did wrong they just keep telling me that they've made their decision and they're not going to reverse it okay that's not what I'm asking you to do keep your credit card I don't care i have a wallet full of them but I'm not going to go away until you tell me what it is you think I've done wrong

Company response to consumer: Closed with explanation