BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 do not recognize this company and I do not owe them, remove this from my credit report..I already sent letters to the credit bureaus to no avail..CFPB step up and remove 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 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 XXXX XXXX XXXX XXXXXXXX

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 2022-04-05
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I've been attempting to get CareCredit to correct their errors in charging me interest on promotional purchases I paid off prior to expiration date plus it looks to be that I'm given 12 months or 24 months for the promotional purchase and at 6 months suddenly CareCredit interest charges hit my account? 
They will not send me my past statements from the year ( s ) prior and when following their online process to request older statements, their system logs me out of my account each time. 
I've been able to find some older statements to prove the inaccurate charges but without ALL my statements showing payments/transactions I am unable to calculate exactly how much in inaccurate interest charges are on my balance.

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 2018-04-19
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and been a victim of identity theft for over 11 years. I filed a police report with the XXXX County Sheriffs Office in regards to the following fraudulent and unauthorized accounts, and credit inquiries listed on my XXXX, Experian and XXXX XXXX credit report : XXXX XXXX XXXX XXXX  # : XXXX, XXXX XXXX XXXX   unsecured personal loan, XXXX XXXX XXXX XXXX credit card, collection account : XXXX XXXX XXXX, and XXXX XXXX XXXX  unsecured personal loan account # : XXXX  for {$7500.00}, credit inquiries : XXXX XXXX and XXXX XXXX The accounts are all fraudulent, arent mine, and dont belong to me. The police report case number is # : 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 non-monetary relief
Consumer complaint received 2018-04-19
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
A fraud account was paid off that went into collections. The creditor is XXXXXXXX XXXX XXXXXXXX XXXX. It is a fraudulent account that was never go into collections because I mailed their item back to them Three months of the account closing the account but the item was mailed back to me without a new account agreement. It has been paid off and disputed for over Nine months. It was agreed to be removed already by the collection and credit reporting agencies but it was not still after a XXXX balance due.

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 2021-05-18
Company: Experian Information Solutions Inc.
State: MS
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 am XXXX XXXX. I am the consumer filing this complaint and I give my authorization to the company to provide mt credit file and whatever information is necessary to rectify these issues without me having to explore legal options. Over the past year or so I have repeatedly initiated multiple factual disputes on accounts reporting incorrectly on my credit report and requested immediate deletion of these accounts due to Experian reporting errors and FCRA violations after I notified them of these errors preciously. These inaccurate Accounts remained on my credit file after multiple disputes. I sent in 2 method of verification letters for an explanation on how these accounts were verified as accurate and whom they verified the information with. They have not provided this information for any of the accounts I've disputed. 

Experian had 15 days to respond to my 2 method of verification requests. My requests were ignored. I recieved dispute results dated XX/XX/2021 with the same errors and FCRA violations being reported previously. Clearly there is no human investigation going on and that this process is automated. As the consumer, per FCRA my credit file is supposed to be 100 % complete, verifiable, and accurate. I would like to demand that the following accounts being reported incorrectly be DELETED from my credit file IMMEDIATELY. XXXX. XXXX XXXX XXXX because method of verification was not received from the credit agency and notice of dispute status was not entered after 30 days of the dispute. 2. Dept. Of Veteran Affairs ( 3 accounts ) because method of verification was never recieved, notice of dispute never entered, accounts are not reporting the same date of last payment or account rating info across all 3 credit reporting agencies, and accounts show late payments when there was not contract ever signed for these debt amounts. Please delete immediately from credit file. 3. Dept. Of EdXXXXXXXX  ( 4 accounts ) because requested method of verification was never recieved, account is missing notice of dispute status, All 4 accounts are reporting 90 day late payments with no prior 30 or 60 day late payments immediately prior. This is a FCRA violation. Proof of missed payments never supplied by Experian. Please delete this account immediately! Per FCRA E OSCAR verification is not sufficient.

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 2021-05-18
Company: CITIBANK, N.A.
State: CA
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 regards my Citibank credit card. 

I received a call in early XX/XX/2021 about a fraudulent charge on my account. Citibank said they were cancelling the card and sending a new one. I was traveling at the time, so I asked them to send the new card to my temporary address in OR. They agreed. 

However, the card never came. I spoke to another representative who said -- oops, they sent it to CA instead. They'd cancel that card and send a new one instead. This one would be sent to OR. 

Still, it didn't come. I contacted Citibank 2 more times, and they said I hadn't waited long enough. It had been definitely sent to OR. I just had to wait longer. However, a month later, the new card never came. 

At this point, I checked at our old address in CA, and sure enough - there were 2 cards there. Citibank had never sent a card to OR after all. They also didn't cancel the old card before sending the new card -- all the cards they sent had the same number. 

I tried to reach out to Citibank again to check how many cards were out there with the same number. I don't know what they sent where, and I'm worried someone else could get their hands on one of the extra cards. However, I can't get an answer from anyone. 

I am very frustrated. I have spent many hours on the phone and chat with Citibank, with great frustration. None of the representatives can give me accurate information. Also, the representatives refuse to transfer me to a manager. I am completely stuck.

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 2017-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Bank of America chose to open a dispute XXXX XXXX, XXXX for only {$75.00} for an XXXX XXXX XXXX order that totaled {$250.00}. While the {$75.00} was returned evidently BOA never undertook the promised investigation or followed up as the dispute should of been filed for the full amount and I have discovered that despite assurances to the contrary BOA did not bother to either research the claim as presented nor resolve the dispute leaving me exposed to additional unwarranted charges by the vendor in question. 

The dispute was never actually fully considered let alone settled as BOA alleged yet they without any notice to me withdrew XXXX from my checking account under guise of having completed a non existent investigatation and affording me no notice - written or otherwise of my rights to appeal their decision nor warning of their taking of my XXXX XXXX funds as it was implied that they had waited until my XXXX XXXX transfer has occurred to make the unauthorized withdrawal. 

I an attempt to determine what had occurred I encountered BOA customer service representative XXXX around midday on the XXXX of XXXX who in two separate phone calls became enraged and disregulated to an extent I have not witnessed in my nearly XXXX years attacking me in what can only be described as an abusive manner for merely contesting her assertion BOA had the right to take my money given they had provided me no notice or opportunity to respond to their done decision decision. When I cited FDIC regulation E she grew even more angry and combative and after denying my many desperate pleas to speak with a supervisor for what seemed like at least 30 minutes of abusive behavior towards me she in two seperate occasions placed me on interminable holds that ultimately prevented me from speaking to anyone in authority. Following XXXX attack I suffered a XXXX XXXX XXXX which rendered me unable to continue be an effective advocate. 

Furthermore, the money BOA was took was my grocery money for the month and now I basically have nothing to eat, am XXXX by the XXXX, and have a total of XXXX dollars to my name all because BOA did not follow the proper procedures. Thank you.

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 2017-12-26
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was on a forbearance due to the XXXX XXXX and I noticed the loan grew, when I asked why someone was suppose to call me back but never did.  XX/XX/XXXX.  I went back to school in XX/XX/XXXX and I see another loan for XXXX more dollars.  I asked to consolidate my loans because, I make less money now and was denied.  I got a bill due for this month but I can not get anyone to address the XXXX.  I also got a notification that the school is being closed and any paper work may be lost.  I told Navient this and they said that I would not have to pay it probably, but I can not get anything in writing.  I do not want my credit affected by this.  Thanks for anything you can do for me, I just want some answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Last year around XXXX I reached out to my loan processor Caliber Home Loans about a refinance on a property that I have with them. The loan processor said that it was possible and got all of the documents he needed from me. My payment at the time was {$1100.00} and I really needed it lowered. He told me that my new payment would be under {$1000.00} and that I would have a better interest rate. With all of the craziness going on in the world an extra {$180.00} per month dramatically would help me and my family out. This got even better when my payment was dropped down to {$940.00}. All of this was great and worked out perfectly, I thought. Fast forward to this year and all of a sudden, I am being told that my mortgage payment has gone from {$940.00} up to {$1400.00}! I almost had a XXXX XXXX trying to figure out what happened to my payment and what I was going to do in order to afford this. I called caliber and asked them what was going on with my payment increase. I was told that I had an escrow shortage on my mortgage because of insurance payments not being calculated correctly. The representative told me that the loan processor did not calculate my home to have windstorm. I don't understand how this could happen, especially since Caliber had done my original mortgage and can clearly see that windstorm was on there previously. The representative was baffled as well, she did her best to help me by extending the escrow shortage over 36 months. This made my payment {$1200.00}, which is more expensive than the mortgage I had before my refinance! This is ridiculous. Now my thought is that the loan processor clearly knew what he was doing and just wanted to turn through another mortgage regardless of the outcome to the customer, or windstorm is not required for my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Convergent Resources, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
An old XXXX XXXX account was sold to a collection agency. i settled the debt with the collection agency on behalf of XXXX XXXX. They refuse to update the account to reflect as paid and closed. They are still reporting that I owe money on the account when I do not. i paid them on XX/XX/2020 and I would like my information to be updated 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 2022-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 rewards from credit card

Complaint:
I have a rewards check I can't cash since it past the time limit giving to cash check {$83.00} given on XX/XX/XXXX # XXXX And also never got a tax paper for I can do my taxes on this account which was paid off in the end of XXXX of XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My daughter lost her job ( and is still not working ) and was unable to pay her loan. I am the co-signer so Navient contacted me. My financial situation is not much better. We called Navient in XXXX and the representative was very helpful and said that she would need some materials but she would work to get our interest rate down XXXX It is currently at 12 %. ) and bring our payment down. She also said that we would not have to worry about the late payments because it would all be included in the program. My husband daughter and I submitted pay stubs and other documentation and waited to hear from Navient. After two weeks we did not hear anything so we called them. We were told that we were denied because my daughter showed that she was paying no bills. She was paying cash to her partner for living expenses at the time. Navient then asked for her apartment lease and copies of any bills that were paid by her. This was done immediately. Again, no word from Navient so we called them. This time the Navient representative was rude and condescending. He said that the deal was off the table because my daughter 's account did not work. She gave them all of the information so we did not understand what he was talking about. I told him about our situation and he said that we signed the loan and we had to pay it. I told him about how we were told that we qualified to get our interest and payment down and again he said the deal was off the table. I asked to get the monthly payments reduced and he said again that the deal was off the table. Currently we are paying {$430.00} a month. We were originally told that we would get a {$250.00} payment when they brought the interest down to a normal rate XXXX 4 % I believe ). It will be a struggle to pay the {$250.00} but it is a lot easier than {$430.00}. The explanation given to us by the rude Navient representative made no sense. Why would we be denied because of an account error? We were working with the representative to reduce our payments and then it is " off the table ''. I made the account current and have been paying the loan but I do n't know how long I can keep this up. Is there some way we can get the payments down in the {$250.00} range?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Middle Georgia Management Services
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

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 2021-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX I opened an account with Capital One and initially was approved. The company claimed during the pandemic that I was 60-120 days behind. Payments were scheduled via my personal checking on time but would be returned due to a lack of funds. I found out that the company had attempted withdrawls 10 to 20 days after the authorized payment date but yet it says that payments are only supposed to take 3 to 5 days. When I called the company on it I instantly heard how I could use my card for " quick payment '' but yet nowhere on their website does it say that. 

During the follow up I agreed to and paid the amount needed to get it caught up. I was told that if I made 3 consecutive payments my card would be reinstated. Capital One was also made aware of the affect the pandemic was having on my earnings. Despite that I made the catch up payment, a regular payment an additional payment after scheduled regular payment was made and paid the remainder of the balance. Capital One not only made a harassing phone call after the balance was paid claiming I had a late payment which was found not to be the case but they have refused to reinstate my card stating that I was 60 to 120 days behind yet only one of the payments was 2 days late. Capital One was asked by me to close my account since they have refused to reinstate it.

Capital One has fraudulently kept the account open on restriction and continues to report incorrect information to the credit bureaus. They continue to send pre approved offers to me and have recently denied my application for either their XXXX XXXX  or the rewards card if not approved for the latter. Their reasoning was based on the fraudulent misinformation they continue to report while continuing to fraudulently keep open an account I can not use and should be able to use. 

Overall Capital One needs to be investigated for their fraudulent practices as well as to why there was no mention that a debit card could be used to make payments online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Convergent Resources, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a record of this account that ever belonged to me. I've requested on various occasions to send verification from the proprietorship however they haven't agreed to my solicitation yet.

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 2017-07-26
Company: Meade Recovery Services, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Meade Recovery Services has been sent XXXX requests in written correspondence to the address they themselves provided. XXXX requests for validation of the amount reporting on my credit report of XXXX have been sent via certified mail, both of which they refused to respond to. I have attached XXXX request sent certified mail on XX/XX/XXXX, as well as a cease and desist notice when they failed to respond. In order to validate this " account '' and the balance reported as owed, Meade Recovery Services violated my legal right by failing to provide me any documentation whatsoever, which has been requested in writing twice since XX/XX/XXXX. I provided updated contact information to hopefully help facilitate getting the documentation I needed to be able to know what this account was, and dispute it if appropriate. Meade Recovery Services violated FDCPA regulations by 1 ) failing to provide documents to validate, including date of service or services provided, and 2 ) by continuing to collect or threaten legal action if it 's not resolved without first providing the validation as requested.

Company response to consumer: Closed with explanation