BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
Most of the time I pay off the whole amount each month. This summer I paid off only a portion, and - of course - expected some interest charge on the remaining balance. When I got the next two statements I was shocked to see that, even when my balance was negative ( i.e. paid off current amount due and had a credit for a returned item ) I was still charged interest. 

When I complained to to Capital was One I was told that this is their " policy '' - that whenever an amount is outstanding - the company charges interest for two consecutive months. My question is - on what? Why is such an abusive policy allowed here? 

I was informed that this is how it always has been that way - amazingly enough, it is true. I reviewed past statements and discovered that I do occasionally pay interest - on NO BALANCE due. ( statements attached ) This abusive " policy '' needs to be challenged. No other of my credit card companies employs such an abusive practice. " Banking re-imagined '' indeed! Thank you for your help in this matter. " XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a dispute to XXXX, Equifax, and XXXX well over 30 days ago. I still have not received an update or had the fraudulent and unauthorized accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: EQUIFAX, INC.
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:
DISPUTE WITH-XXXX XXXX XXXX XXXX, XXXX. 
*AUTO* I had a XXXX XXXX XXXX and was financed through XXXX XXXX  . 
I had my XXXX for almost over two years with no missed payments and a few late payments. I was scammed and reported the scam to the police, to all three creditors and all accounts that i thought may have been affected. 

One morning i was leaving out for work and my vehicle was gone. I missed work and pay for a week behind this issue. The first thing i did was call the police thinking it may have  been stolen, next i called XXXX and indeed XXXX came and took the vehicle with no notice or explanation they simply stated that the months payment was not recieved and they can take the vehicle because it is theirs. I disputed with them that all payments are up to date and if you see my credit report i have all green OK 's up to that month. They did not call me, no missed calls, no missed voice messages, no mail through USPS NOTHING just came and got my vehicle. So now they are trying to say i owe them {$9900.00} and you can tell they have done something incorrect because now they took the payment histories off of all of my credit reports. I called them and written them and asked them several times to send me a complete statement, and a break down of all payment histories from the first transaction until the last transaction and they were rude and have not sent anything. I want this {$9900.00} taken off of my credit reports and etc and they are refusing. Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Experian Information Solutions 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:
At the end of XX/XX/2017, I sent a letter to XXXX XXXX XXXX XXXX asking for a debt validation regarding an alleged debt that was owed. I received a letter and an unsigned contract with my typed name in the signature area. 

However, since this was my first initial contact with this company I noticed that the company violated Section 807 ( 11 ) of the Fair Debt Collection Practices Act that requires a debt collector to inform a consumer in the initial communication with the consumer with the following wording on the letter " this communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' The code refers to this an a mini-miranda disclosure. 

I sent the organization information regarding this fact ( certified letter ), and XXXX XXXX XXXX XXXX did not respond to the letter but sent me a similar letter ( attached ) with another unsigned contract. This is a blantant violation and request that the credit bureaus investigate this matter and if not resolved, that the account is deleted from my credit report.

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 2017-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
cra violation sent po report also XXXX XXXX the report has taken longer than 30 days id theft letter also sent to id theft gov

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 2017-11-10
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been a member of navy federal for over 20 years and when a filed a fraud claim on my checking account last month, navy federal blocked my online access to ALL my accounts without even notifying me. I ca n't pay my bills because I ca n't transfer money online. When I complained repeatedly on social media I was just told to call and then my complaints were IGNORED. Completely unacceptable!! When I did call, I was victimized again by some woman with horrible English who said my checking account had to be closed and a new one opened. I 've had the same checking account number the entire time I 've been a member and I have it memorized. If the account needed to be closed and another one reopened why was n't that already done when I filed the fraud claim??? The rest of my accounts should NOT be blocked online though. I have no idea what 's happened to navy federal 's customer service but it 's definitely gotten a lot worse in the last several years. I 'm still waiting for the {$110.00} to be returned that they stole from me when I filed another fraud claim on my credit card in XX/XX/2016. Navy federal seems to be on the side of the identity thieves and not their longtime members. They have my money held hostage and I need access given back to me online IMMEDIATELY so I can pay my bills. I 'm seriously considering closing all my accounts and taking my business to another bank where my business will be valued. Clearly customer service, member loyalty and service to the country mean absolutely nothing to navy federal and they should not be responsible for other people 's money. I 'm tired of being IGNORED and having my money stolen from the institution that is supposed to be protecting it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Ability Recovery Services, LLC
State: MS
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:
In XX/XX/2018 I talked to XXXX XXXX about my account with Ability Recovery Services were reported that I am derogatory on my account. She told me the credit reporting agency have to fix it because they already send a report when I pay my account but I have been paying on time. I tried to dispute it with XXXX and XXXX but I could not online. I have called back XXXX XXXX twice and left 2 messages but she has not returned my calls.

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 2018-06-18
Company: EQUIFAX, INC.
State: NY
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:
I Am Having a Problem with my Credit Report for some reason Equifax Place a lock on my Credit Report Trying To Use Lock & Alert and this Problem is being happening for 6 month and Equifax is not allowing me to Access My Report and i have send letter to Equifax with my Social Security Number State ID And All The Documents they Ask For I Have Send it To Equifax and Equifax has not fix my Problem that i am Having with my Credit Report and i cant log in to my Lock & Alert and Equifax wont remove the Restriction of My Credit Report Please Help me With This Problem And I Also Requested Copy On My Credit Report With Equifax and they Have Not Send it to me Please Help me Resolved this Problem

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: SIERRA PACIFIC MORTGAGE
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My town lowered my taxes due to becoming XXXX XXXX and I requested an escrow evaluation back in XXXX. Also the funds being held in escrow are double what federal guidelines say are acceptable. I have recontacted my mortgage company but have not got any adjustments or refunds which I believe should have been done within thirty days. Help please, I 'm not able to work so money is very very tight. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: TD BANK US HOLDING COMPANY
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I normally pay and monitor my account online. The last 2 months I have been unable to log on and it has been incredibly difficult to navigate their customer service system to get a live person to help me, when all I'm trying to do is pay my bill and check my balance. Last month they had to force a log in, in order for me to log in and it worked, but I was unable to log in a second time or since then. this month I have tried to reach someone to help me with this issue but keep getting routed to bots that are unhelpful. this issue has created an undue burden against me that has made it harder to make my payment on time, affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Bloomingdales 's American Express Account, Bloomingdales Store Card XXXX XXXX American Express Account & XXXX XXXX Store Card were closed by XXXX in Excellent Standings & Positive Consecutive On Time Payments updated & reflected by all 3 Creditor Bureaus. The closure of the 4 accounts showed a negative adverse credit ratio by XXXX  XXXX & XXXX. 

The Credit Card Act XXXX says at least 45 days a written advance warning of changes to the credit card accounts holder. Card Companies can close your account without notice If you stop using the card or delinquent in payments which in my case is not the matter. 

Ive called the card customer service twice in XX/XX/XXXX on the XXXX & XXXX when I noticed the email stating the closure and my credit report updating the closed accounts. The representative didn't have a valid answer as to why and recommended me to reapply for a new accounts and incur a Hard Pull on my credit report to reopen? I told them my account was closed in good standings with payments just postings can you just reinstate my account and they told me to wait after 30 days to reapply again. Horrible Business Practice with 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 2018-06-18
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: Public record information inaccurate

Complaint:
On XX/XX/2018 I wrote all 3 credit bureau a letter and mailed it cerified to stating I would like the bankrupcty that is being reported by them to be VALIDATED and all I recieved back are letters or updates that state item verified. They have not stated who VALIDATED and how it was VALIDATED. I wrote a letter to the UNITED STATES BANKRUPCY COURTS who replied back with a letter that states that the courts do not VALIDATE OR REPORT any Bankrupcies or share information with any credit bureau ever .... Futhermore after careful inspection of all 3 credit reports from EXPERIAN XXXX, XXXX and writing more letters to the 3 credit bureaus I keep getting the same old answer verified and remains till 202. All 3 credit bureau EXPERIAN, XXXX, XXXX  are reporting a bankrupcy with file # XXXX.which if VALIDATED they would know its wrong missing a number and letters from the case number. I then contacted my lawyer who further stated that the number being used is incorrect and that it all 3 bureau need to delete this inaccurate information from my credit report ASAP as they are in violation of FCRA 623 ( A ) ( 5 ).

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 2018-11-13
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have checking accounts with USBank and one account was flagged for a fraud charge. I was told to open another account since the fraud account was frozen. I opened a new account and the fraud department transferred all funds from fraud account to new account. I said that there are some outstanding checks that need to be paid when the are presented and they said they would pay out of the new account when presented. They did not pay when presented and I found out that the fraud account was not fraud and to clear my fraud acct and close out new account and transfer all funds back to original non fraud account. They did not close my account as requested and said I have a negative balance of {$11.00} and I said I have a returned check fee of {$39.00} that you should credit back since you returned the payment when they stated they would pay from new account. Now they charged me another {$30.00} for a force close since I didnt pay the {$11.00} which they said they would credit me {$39.00} and close out the {$11.00} which they did not credit as they stated they would. All docs were submitted to XXXX XXXX which is the Fraud department manager and he said he was crediting me and didnt. Now they reported me to credit and banking departments as a forced close on my account. Everyone is passing the buck off to another and can't get this corrected. 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 monetary relief
Consumer complaint received 2019-09-04
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I just called FedLoan Servicing today, XX/XX/XXXX to ask for an update on my qualifying PSLF payments and why they weren't consistent from loan to loan ( out of 6 total ). The service rep stated that they're " still working on the manual review '' that I requested back in XX/XX/XXXX. This is unacceptable and I need a complete and thorough review of my payment history because I have a lot more qualifying payments than on file with the new servicer ( FedLoan received my loans in XX/XX/XXXX ). Also, they have no information on my XXXX payments ( should have been PSLF-qualifying ) made in XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: MIDCOUNTRY FINANCIAL CORP
State: IL
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:
On XX/XX/XXXX I sent a dispute to XXXX XXXX at XXXX. Clearly indicating that I was disputing information that I had not disputed in the past. As of XX/XX/XXXX I have received no response and the incorrect information is still on my credit reports. 

There is a 30 day late payment showing on my XXXX Credit Report for XX/XX/XXXX, and a 60 day late payment showing on my XXXX Credit Report for XX/XX/XXXX. So according the my credit report if I was 60 days late in XX/XX/XXXX then the date of first default would be XX/XX/XXXX. 

I was not late in XX/XX/XXXX and I sent XXXXXXXX XXXX my dispute including copies of canceled checks showing my payments from XX/XX/XXXX - XX/XX/XXXX. The account was paid in full in XX/XX/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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion has had a pending investigation for months on end. I can't start a new investigation or pull reports because of it.

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 2017-11-10
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened my account after the company offered a cash promotion for opening the account. The company took 6 additional months to pay the bonus. After finally receiving my bonus, I attempted to close my account. I called the customer service line, as well as going into the branch, and was told both times that my account was closed. However, after opening a new account, I came to find that my account was NEVER CLOSED AT ALL. This is very dishonest, and makes me wonder if they are opening accounts that customers did not agree to like XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
At the end of XX/XX/2017, I sent a letter to XXXX XXXX XXXX XXXX asking for a debt validation regarding an alleged debt that was owed. I received a letter and an unsigned contract with my typed name in the signature area. 

However, since this was my first initial contact with this company I noticed that the company violated Section 807 ( 11 ) of the Fair Debt Collection Practices Act that requires a debt collector to inform a consumer in the initial communication with the consumer with the following wording on the letter " this communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' The code refers to this an a mini-miranda disclosure. 

I sent the organization information regarding this fact ( certified letter ), and XXXX XXXX XXXX XXXX did not respond to the letter but sent me a similar letter ( attached ) with another unsigned contract. This is a blantant violation and request that the credit bureaus investigate this matter and if not resolved, that the account is deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Paypal Holdings, Inc
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company has contacted me for a debt and have called me 4 times within 3 days. This period was also during a 1 week period. 

The company they are working for also made no contact with me regarding the amount owed and without my knowledge sent me to a debt collector They called me on the following dates XX/XX/19 x 1 phone call XX/XX/19 x 2 phone calls XX/XX/19 x 1 phone call

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Messerli & Kramer P.A.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XX/XX/18 : claimed to have documents that have been lost since the original creditor sold the loan. the document was something that no longer exists in an attempt to trick me into agreeing to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
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: Information belongs to someone else

Complaint:
Ive disputed XXXX XXXX home mortgage previously and hasnt been properly reviewed by the bureau I havent opened an account with them on XXXX XXXX as stated in my report please remove or show me where and how this information is verified to be correct. This information was verified by XXXX  also XXXX  to not be mine after review but for some reason you continue to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Radius Global Solutions LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today XX/XX/2018 I got an alert from XXXX   Credit Bureau that Radius Global Solution posted a derogatory account to my credit file for an amount of {$64.00}. 

I have never received any written or verbal communications from this company informing me of the debt or was I given the opportunity to negate/agree of the validity of the debt.

Company response to consumer: Closed with explanation