BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-18
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a Lowes Customer for over 15 years and absolutely love their products and services. I am veteran and all veterans love Lowes. I have had a credit card with them for 4 years and have never missed a single payment or have I ever been late on making one. I always pay them off and use the card to cover things around the house or side job material. I had a limit of $ XXXX on my card and have never used more than $ XXXX. Lowes embarrassed a couple weeks as I stood and waited in line with items only to have my card declined. I tried twice and it declined and I couldn't figure out what was going on with it. Anyway, I paid with my bank card and continued on with my day. About 1 week later I received a letter from Lowes Synchrony Bank stating they closed my account. They should of sent the letter to me first before having me try to use the card. It was very rude the way they went about this and embarrassing. The reason Lowes stated why my account was closed was because I have personal credit cards that I fell behind on. After being injured and down from work for over 9 months. I have got 4 months behind on these person cards but never my Lowes or XXXX XXXX cards. I am currently getting these accounts paid back, now that I am able to work and walk again. I started an electric company and I only shop at Lowes and this issue alone could cost Lowes a loyal customer for life. I want to continue a relationship with Lowes but I'm second guessing that after these circumstances. Just on how the company went about things in such an unprofessional and uncourteous way to a loyal card holder and customer. If I missed a payment or was late or anything like this I could understand but I never was. It's based on other cards from different creditors not loyalty or any other factors. If Lowes will reopen and continue to allow me to use the card I will never miss a payment. And if I do they can close my account no questions asked.

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 2019-04-18
Company: LD Holdings Group, LLC
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
the company, " XXXX XXXX '' first contacted me saying that my mortgage loan was transferred to them and that they were a 'loan servicing ' company. I even had occasion to speak to one of their supervisors (? ) early on and she never disclosed that they were a collection agency. They never would ( or could ) tell me why the loan was transferred. [ i had known from the outset that there never was a loan. ] several weeks later I get correspondence from XXXX XXXX, with the verbiage, XXXX XXXX is a debt collection agency. 
I have repeatedly requested they stop contacting and harassing me, but yet they continue with mailing and robotic calls nearly daily. 
I want the CFPB to point me to properly file not a complaint but a claim against XXXX XXXX the XXXX of the monster.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: AZ
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Netspend Corporation
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
ello my name is XXXX XXXX i from XXXX XXXX in live in XXXX XXXX i had some one take unauthorize money out of account with nets pend XXXX bank out of XXXX TX for total of {$3600.00}. Netspend blocked my card on XX/XX/XXXX and notified me on XX/XX/XXXX via email that there was a account issue to call the fraud department. I called the fraud department i asked what's going on what happen to my money he states there was some with draws from XXXX XXXX bank. I was working and they took money starting on the XXXX before netspend blocked my account. I filed a dispute claim Number # XXXX and they told me it will take 10 days for me to get my money and i will get a response by XX/XX/XXXX. the days comes and the come back with they didn't have error some hank my account some how and the money is mines my taxes and work check they even took that also. I read their XXXX  reviews and this happen to people and they have to fight to get the money back. I need help and getting my story herd and help with getting my money back due fraud. I am a single mother and trying to have funds for hard times or good times and i been with netspend since XXXX and i had my card for a year and this never happened to me and they are acting like it's not a big deal and i need to let my money go please help me. I filing a police report, i have my time card showing i was at work when my funds was being taken out of account. They even took money out in California and i am here in XXXX XXXX and the bank doesn't find error after their investigation, i need cameras pulled and for them to prove to me i authorize this because i wasn't aware at all and i am heart broken about my money, Respective told me my case was close and can't be reopen. I had to go weeks with money. XXXX lost my card they didn't want to express me card for the {$25.00} fee was trying to make me pay when i never received the card. I asked for a manger and she assured me she will send me a card, come to find out she didn't and the rep had to send me another card and i had to wait into XX/XX/XXXX to finally get a new card. They been so careless about my money i did dispute in the past for {$20.00} XXXX dollars and got that back so i am only made to believe this is true theft. I cant stop crying or worrying about my hard earn money please help me get my money back.

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 2021-01-20
Company: Westlake Services, LLC
State: NY
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 writing to WESTLAKE SERVICE INC agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting WESTLAKE SERVICE INC agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had several transactions over the weekend of the XXXX, one of which was a transfer from my checking to savings account in the amount of {$75.00} on XXXX/XXXX/2017. Once the transactions over the weekend posted, I was charged an Overdraft fee of {$35.00} because of the {$75.00} transfer. I asked Wells Fargo twice to refund the fee and to explain where it states they can charge an Overdraft fee for a checking to savings transfer. Using their logic, I could transfer any amount of money I wanted, even if I did n't have it available and be charged just {$35.00}. So why could n't I just have transfer {$100000.00}? I hope my point is clear on this and it seems like a glitch in their system. I 've been told three times now it 's a glitch and this is the first time I have been refused a refund due to a system error on Wells Fargo 's part. I " XXXX '' overdraft fee caused by checking to savings transfer and not one returned response because it 's something that should n't happen and could be considered predatory and a " sneaky '' was to get fee money from consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-11
Company: Convergent Resources, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They are attempting to collect a debt for amounts not owed. They advise me that the bill is incorrect and acknowledged it themselves. they advised me that a final bill hasn't even been produced by XXXX but are trying to collect amounts that are not owed. and when a credit is due. so they are collecting a amounts not owed and they state that they can not follow dispute with XXXX 's even though they now have the account and the account was only the deactivated on XX/XX/XXXX but it's already in collections.so I want them to cease and desist all collection actions. I want the collection sent back to XXXX these amounts are not owed. I will pay for the days of service are utilized but they refused to take payment for that as well so this that is no longer owed and they need to not add this to my collections otherwise I will file Suit for a {$1000.00} for every violation as well I'll Sue for violation of the debt collection act they refuse to take payment and they admitted themselves these amounts are not own.

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 2019-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Ok so I went through a really harsh divorce which almost left me to file for bankruptcy, my ex wife just picked up left used my credit maxed it out, I was still having to pay all the bills from the residence she took off from plus a brand new car note also, so we went through litigation she still ended up getting a very good amount of equity even though she never helped with the bills ive Helped her get her degree from XXXX, fixed her credit score and put her on my savings account from money that was inherited to me so in the end judge call everything community property even though she never earned that money she still maxed out my credit so she got away with clean XXXX I got XXXX but I had to repaid all my collectors which I did and I dont know why they just cant delete my accounts I feel like theyre my ex wife just please deleted they know they got paid!! Why are they playing stupid like they didnt I just want my credit back to a normal at least XXXX so I can move on with my life and Im talking about all of the creditors they got their money I got letters from them saying is payed off why are the credit houses being such A holes for I just want to move on with my life thats all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: AR
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:
My father informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$850.00} XXXX  XXXX XXXX {$8400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have called several times get nothing but recordings ... when i did reach a rep it no greeting and all she said a bit rude was " can I help you '' uh ok ... the whole issue was THEY PAID A HUGE AMOUNT of escrow flood insurance to the wrong provider ( I had terminated the policy ) and had called days before to the insurance dept ( they pick up usually ) and told them the new policy number and I would call them to activate it ( I had 45 days ) so they paid on the XXXX a policy that expired on the XXXX? they did call the company and bring me in for conferance ( 1 point ) the insurance company knew nothing about the payment being sent to them and thought the same " I had cancelled '' loancare has promised to " stop payment '' if not Im contacting a lawyer ... XXXX for a policy I can get for XXXX? nope .... I too was aquired when " XXXX   '' went belly up ... not happy! 
LAST COMMENT THEY DON'T DO EMAIL AT ALL!!

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 2020-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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/2020 I was charged a {$39.00} fee. Capital one already charges higher interest rates than other credit cards I have.This seems wrong for covid-19 and other reasons.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
It is unfair that I should have to pay to freeze my credit report. I made no agreements with transunion to be included in their database. But the damage that may be caused to my life is substantial, if they approve credit to an identity thief. They already make money off of information about me I wish they did not have. It is unfair that I should have to pay them to protect myself from them.

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 2020-05-05
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX  XXXX {$3200.00}

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 2018-09-14
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
XX/XX/2018, XXXX XXXX  Central Time I fax my Verification of income.. 
XXXX reply back ; Verification of Income Since we did not receive it, XXXX was regrettably unable to give further consideration to your credit request, What XXXX wanted was my ; User name PIN number For my Bank Account so they can personally go into my bank history,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX  XXXX {$3200.00}

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 2017-11-29
Company: The CMI Group, Inc.
State: MD
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:
1 ) Credit Management ( {$910.00} ) 2 ) XXXX XXXX XXXX XXXX ( $ UNKNOWN ) 3 ) XXXX  XXXX XXXX ( {$11000.00} ) 4 ) XXXX ( {$290.00} ) 5 XXXX XXXX XXXX  ( {$1800.00} ) I did not authorize any of these attempts to collect any debt or to unlawfully report any negative account on to my credit report file. I need these items annulled and removed immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is my second attempt to get this resolved. Below is my original message to CFPB was contacted in XX/XX/XXXX from Portfolio Recovery, I had told them then I had filed bankruptcy ... .previous to me filing bankruptcy ( roughly a year prior ) they sent me a tax form which I had to use when I filed my taxes, I do n't remember the form but it was for bad debt. They call me everyday all day from different numbers all over the United States XXXX XXXX XXXX XXXX XXXX I have told them about my bankruptcy, told them about the tax form that was sent ... ..they will not stop calling me and harassing me. 

This was their response : Portfolio Recovery Associates, LLC ( PRA ) is in receipt of your complaint, dated XX/XX/XXXX, but with the limited information that was provided to PRA, we are unable to identify an underlying telephone calls which we can investigate. In order for PRA to locate the telephone number linked to your complaint, we ask that you provide us with the telephone number at which you received our calls. In order to resolve your complaint, we will need additional information to investigate and resolve the issue. Specifically, we need to know the telephone number at which you received our calls. 

Ironically for them to NOT have my phone number the phone calls ceased, up until today XX/XX/XXXX, they are blowing up my phone, back to back calls from all over the United States. These calls need to stop!!!!!!! i 'm tired of the harassment and can no longer leave my phone on at work, which causes an issue if there is a family emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX XXXX, 2017 ace cash express constantly called from an unknown number stating they have an arrest warrant for me. They called all my family members including my ex husband. I will never borrow from they again because they were going to press fraudulent charges against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX XXXX  XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation