BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-12
Company: BARCLAYS BANK DELAWARE
State: MD
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:
I recently received an XXXX XXXX XXXX Mastercard from Barclays. I promptly signed up for autopay. On XX/XX/XXXX, Barclay 's sent me the email below. 

XXXX XXXX Account Ending : XXXX Cardmember Since : XX/XX/XXXX (? ) Thank you for enrolling in repeat payments Your Card : XXXX XXXX XXXX Mastercard from Barclays Payment amount : Your statement balance amount Scheduled for : Your due date Bank Account Name : XXXX XXXX XXXX XXXX - XXXX Your first withdrawal date will be on XX/XX/XXXX, thereafter a repeat payment will be made on your due date each month. 

Since Barclay 's acknowledges that they received my payment **on the due date**, how do they have the NERVE to charge me a " late fee '' THREE DAYS BEFORE THE DUE DATE?

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 2019-11-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I met all the steps to receive an HSBC bonus. As soon as I told them I was XXXX they denied my bonus even know the data showed I fully qualified. I spent months of my time, well over forty phone calls, over ten emails and around forty hours of my time to fight to get the bonus that qualified for in the first place. This firm is acting in a fraudulent manner and discriminating against peoples with disabilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Law Office of Mitchell D. Bluhm & Associates reported a derogatory account in my credit report from XXXX XXXX HOSPITAL for the amount of {$730.00} without any forewarning notification. 
Last time I went to XXXX XXXX hospital was 12 years ago and I paid all services provided through my insurance and co pays. 

This is a fraudulent attempt to collect a false balance as a derogatory debt. You must be desperate for money if you are attempting to collect on 12 year old accounts. 
No other data was given in my credit report except for a balance and Original Provider name. How illegitimate can you possibly be?

Law Office of Mitchell D. Bluhm & Associates has a long history of fraudulent activity reported in the Better Business Bureau with hundreds of victims. 

Here is the information to Mitchell D. Bluhm & Associates : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-15
Company: CITIBANK, N.A.
State: DE
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:
I have XXXX citi card which was expired in XXXX XXXX, XXXX sent me a letter indicated I had a bankruptcy or a bankruptcy or a charge-off on another Citi card and the card will not be issued, this is totally incorrect information, I never had a bankruptcy or other Citi card except XXXX citi card. In order to clarify, I called your citi customer service XXXX times and XXXX credit bureau : XXXX XXXX XXXX XXXX, spent hours and found out nothing wrong with my credit, I also faxed my credit report from the above three credit bureau to citi and received a letter informed me my account was closed, I called citi customer service and they were very rude and refused to check my credit. they also refused to refund my rewards and membership. This is unacceptable.

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 2019-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Transunion is still showing the current balance as {$220.00} which in turn is affecting my credit report evidenced by the fact that when I simulate my credit score and try and pay off {$220.00} the credit score changes to XXXX! See relevant Transunion page below Account Number XXXXXXXX  Condition Open Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX   Monthly Payment 55 Last Payment XX/XX/2019 Status OK Loan Term 0 Loan Type Credit Card Opened XX/XX/2019 Reported XX/XX/2019 Remarks Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , NY XXXX Phone # : 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 2019-02-15
Company: VW Credit
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I leased a XXXX XXXX XXXX in XX/XX/XXXX ( 3yr term ). In XX/XX/XXXX I terminated the lease under the Dieselgate class action settlement. As a requirement of lease termination I settled all prior and future liabilities with VW. 

On XX/XX/XXXX, I received a bill from VW Credit indicating I owe {$140.00} in excise tax. The letter is undated, but includes the threat that I will be reported to credit bureaus if I do not respond within 30 days. 

I will be following up with Volkswagen directly, but given the situation, I believe this to be fraud. There is no way that the company could be unaware of my decision to surrender the vehicle in XX/XX/XXXX. I am reporting to CFPB in case other defrauded ex-customers are receiving similar notices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-15
Company: Account Control Technology, Inc.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2021 a representative from Account Control Technology , Inc. called a relative of mine and told them they were a collection agency trying to collect a debt from XXXXXXXX University that I owed. This person was a 3rd party and should not have been called and given information on a debt I disputed. I contacted the company and asked them to resolve this issue and instead they reported the disputed debt to the credit bureau.

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 2019-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
My second mortgage with Bank of America was charged off XX/XX/XXXX. At that time we agreed to a settlement amount of {$25000.00} with a initial down payment of {$10000.00} with a monthly payment of {$310.00} to be withdrawn directly from our Bank of America account on the XXXX of every month. We have been making this payment since XXXX and have NEVER been late. I checked my XXXX  account and it shows that there is a Bank of America charge off listed  with an amount of {$75000.00} with a balance of {$47000.00}. It also shows on our credit report that we have been listed as FP failed to pay for XXXX, XXXX, XXXX, XXXX and XXXX of XXXX and FP for XXXX, XXXX and XXXX of XXXX. We have bank statements and the original settlement agreement with Bank of America that prove we have NEVER failed to pay the agreed amount. The XX/XX/XXXX FP failed to pay report lowered our credit score 11 points, right at the time we are trying to refi our current mortgage. We would like the FP failed to pay be removed from all credit reports for all months starting in XXXX up to XX/XX/XXXX and for Bank of America to show the settlement amount and the 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 2019-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My second mortgage with XXXX XXXX XXXX was charged off XX/XX/XXXX. At that time we agreed to a settlement amount of {$25000.00} with a initial down payment of {$10000.00} with a monthly payment of {$310.00} to be withdrawn directly from our XXXX  XXXX XXXX account on the XXXX of every month. We have been making this payment since XXXX and have NEVER been late. I checked my XXXX   account and it shows that there is a XXXX  XXXX XXXX charge off listed with an amount of {$75000.00} with a balance of {$47000.00}. It also shows on our credit report that we have been listed as FP failed to pay for XXXX, XXXX, XXXX, XXXX and XXXX of XXXX and FP for XXXX, XXXX and XXXX of XXXX. We have bank statements and the original settlement agreement with XXXX XXXX XXXX that prove we have NEVER failed to pay the agreed amount. The XX/XX/XXXX FP failed to pay report lowered our credit score 11 points, right at the time we are trying to refi our current mortgage. We would like the FP failed to pay be removed from all credit reports for all months starting in XXXX up to XX/XX/XXXX and for XXXX  XXXX XXXX to show the settlement amount and the 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 2015-04-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I feel my credit scores should be a lot higher then they are.All payments have been on time, I have small balences on the credit cards that I have. The scorces do n't match the numbers, can you look in to this? Over the last 3 yrs I have done a lot of work to get it right, the reports are great the numbers do n't make since.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: Diversified Consultants, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have filed two disputes with Diversified Consultants/XXXX for reporting false information on my credit report. I have spoken with them after first dispute was turned down. I have emailed them proof debt is not owed and tried to call them again and have been unsuccessful in getting through to them, I filed a second dispute and was turned down a second time in having this removed from my credit after providing proof that the account was paid in full and all equipment returned when it was closed on XX/XX/2018 at XXXX XXXX   at the XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL. 
This should never have been placed on my credit and it is wrong in so many ways how much of my time is having to be used to have this fraudulent claim removed from my credit because it was never owed and was satisfied the day account was closed. However, it was so easy for them to put it on my credit, without so much as a warning to me. I was never even notified that XXXX was claiming a bill because I was never notified by phone or mail of this claim until it was placed on my credit. They have received proof nothing is owed but it is still fraudulently on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The Carrington mortgage servicing department, has created this problem. The first item which happened was the company placed me on the certified funds only payment plan. It takes two returned items to be placed on this list. The first time was substantiated to be a bank error approximately XX/XX/19, yet Carrington mortgage servicing choose to apply this to my record. Then I was told not to make a payment during a refinance process. So I set up a promise to pay on XX/XX/19, and there were not instructions to stop the direct payment when doing this process, at least in an area readily seen when doing this process. This process resulted in a 30 day late notation on my credit. So Carrington mortgage servicing department told me I need to western union my payments, this was an immediate posting process according to Carrington, and for a few payments it was. So with their actions another payment needed to be made due to another error in the refi process at Carrington mortgage, I had to make another payment via western union ( which I shouldnt be doing anyway ) which was made on XX/XX/19 and Carrington is posting on XX/XX/19, resulting in another 30 day infraction. This being said I attempted to resolve these issues with Carrington mortgage servicing department with extreme resistance on every level the errors were made. Carringtons actions have resulted in extreme issues further damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently i received a copy of my credit report which showed Inquiries & Accounts i didnt not authorize. I understand and aware that you should not put an inquiries or accounts on my file unless i have approved it. I have provided you with the information and the a previous police report i sent a few months. Your company never responded and i am now XXXX bothered, and XXXX. I am currently working with an XXXX to stop the use of my name by someone who has stolen my identity. Please have the following inquiries and accounts removed off my credit file immediately because i did not authorized them and they are fraudulent. 

List fraudulent inquiry accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized account & inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

XXXX XXXX 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 2019-11-03
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I received a loan for a new car from my bank Navy federal credit union. ( in which they claim not to have copies of my sale of contract ) My bank has reposed my vehicle when they werent supposed to I had till XX/XX/2019 to make a payment per my bank. They repossessed my vehicle before the date provided to me. They then provided me with a repo account stating I needed to pay passed due amount of XXXX and fees for towing and storage fees. I went to branch to make that payment which went to a repossession account. I was suppose to get word where my vehicle was. Later to find out I had to go to the tow yard and pay the exact fees to tow company. Two month later they lost a payment I made to my loan later to find out it  was applied to another persons loan in which I had no affiliation with. My bank had been stealing money from me for my loan and I dont know where some of these payment I made went. Every time I try to resolve these problems I get the run around and am never able to speak with the department that is supposably responsible. Either the department is closed for the day or they start making up things to confuse me. I began a hardship program starting XX/XX/XXXX was supposed to be on this program for 4 months however they are still pulling funds from my account just to pay the interest on the vehicle and late fees. My vehicle is now a lemon and without the sale contract I am unable to get the vehicle bought back or replaced. The old dealer ship quality XXXX of XXXX got bought out by XXXX XXXX, I am unable to get the document from the new owner. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Greetings, On XX/XX/XXXX XXXX XXXX XXXX XXXX ( vendor ) charged my Barclays XXXX  credit card {$1800.00} by mistake. On XX/XX/XXXX XXXX XXXX XXXX refunded the {$1800.00} and sent me the receipt. 
10 business days later Barclays my credit card company will not take the charge off my statement. I have Called customer service several times and faxed the refund receipt to Barclays. The customer service rep on the phone even acknowledged that Barclays has received the refund from the merchant but still will not remove the charge from my statement. Thus I have put the charge into dispute a week ago. 
Case # XXXX card ending in # XXXX I would Appreciate any help on the matter. 
Barclays credit card customer service 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 monetary relief
Consumer complaint received 2019-11-03
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Student loan through Navient. 
I have 3 loans, 2 with lower interest rate, 1 with a higher rate. Payment plan is automatic at {$1300.00} per month ; {$830.00} to the lower interest loans and {$470.00} to the higher interest loan. 
I made an additional {$1000.00} dollar payment directed to the higher interest loan XX/XX/2019. This was done specifically to pay off the higher interest loan faster. 
On the following 2 months of auto-pay, the monthly {$1300.00} changed in distribution to {$1100.00} toward the lower interest loans and decreasing to {$170.00} toward the higher interest loan. 
This obviously negates my ability to pay off higher interest loans faster than lower interest loans. It is not much money difference to me, but I doubt this practice is legal and when applied to numerous customers it probably adds up to big money for Navient. I would be happy to be a part of a class action suit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently i received a copy of my credit report which showed Inquiries & Accounts i didnt not authorize. I understand and aware that you should not put an inquiries or accounts on my file unless i have approved it. I have provided you with the information and the a previous police report i sent a few months. Your company never responded and i am now XXXX, bothered, and XXXX. I am currently working with an XXXX to stop the use of my name by someone who has stolen my identity. Please have the following inquiries and accounts removed off my credit file immediately because i did not authorized them and they are fraudulent. 

List fraudulent inquiry accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized account & inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

XXXX XXXX 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