BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: NJ
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:
My complaint because my credit score never been updated on a timely manner My payment history is great however my credit score stop at XXXX score rating as per XXXX score rating which is used by Banks, I want my score to be updated and reflect my Payment history, my score is frozen on XXXX score rating and when Mortgage companies run it it shows XXXX, I'm very confused because my score never been updated for the last 7 months Experian, XXXX and XXXX never updated my credit score on a timely manner

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 2016-02-10
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I recently paid off my loan to Navient, and 2-days after the fact, noticed that I overpaid by {$.00}. I spoke w/ their customer service representative, who informed me that overpayments that amount to less than {$1.00} are generally written off. When asked to clarify, the representative, " XXXX, '' stated that essentially, Navient will keep that amount and will only refund if it 's {$1.00} or more. She asked if I wanted a refund of {$.00}, and I said, " Yes. '' XXXX had to check with her supervisor to approve the refund, but then told me to call back on XXXX XXXX, 2016 to escalate the issue to have a supervisor then refund me the {$.00}. When asked if I will get the interest on the {$.00}, they said, " No. '' I know that Sallie Mae/Navient would continue to add interest if I were {$.00} short, and if it took me more than 10-days to pay it, then I 'd certainly have to pay a larger amount. If they kept {$.00} of every over payment made to Navient, they stand to gain XXXX in a windfall. 

Needless to say, when I asked her why her supervisor could n't just process the refund now, she stated that it 's policy to wait until AFTER the billing cycle has passed. This all seems unfair and contradictory to the law and policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX was paid and agreed to delete their information. It was removed for the XXXX other bureaus. By law, if an account is deleted from on bureau it has to be deleted from the other 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 2015-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX XXXX XXXX XXXX XXXX issue correspondence ( verbal/written ) to collect a credit card debt from Capital One ( Acct **************** ) when I informed them I do not have a Capital One credit card issued to me, nor activated by me. The Credit Report Agencies have been notified that I failed to pay on a debt " which is in default. '' This action is in violation of PL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I opened a secured credit card account with Capital One several years ago. As of XXXX XXXX, 2016 they held {$2800.00} of my money. On XXXX XXXX, 2016, I closed the account and was assured by Capital One they would return my funds within XXXX billing cycles. Now, on XXXX XXXX, 2016 after XXXX seperate calls to Capital One, they still have not returned my money. They have lied to me every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Dear BCFP, On XXXX XXXX, 2015 my sister and I filed our first request to access our mother 's " 360 account '' with Capital One Bank. XXXX. On XXXX XXXX, 2015, we submitted XXXX required documents : our power of attorney document and the required document for power of attorney that is specific to Capital One. We have been told at every turn that these are the only documents needed. 

Since XXXX XXXX, 2015, we have re-submitted those documents multiple times ; we have called many times ; we have done everything by the book and by Capital One 's rules. They still wo n't give us access. I ca n't get any tax information from them. Meanwhile, as we try to take on a major bank, our mother has literally weeks to live. Can you please help look into this act of wanton stonewalling and ineptitude so that our and similar cases will not reoccur? 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Debt collector ( XXXX. ) collecter did n't verify collection no contact no signature

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 2015-10-12
Company: SYNCHRONY FINANCIAL
State: MA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Please let me start with some past experiences that are my rationales for my complaints. I have experienced fraud several times since 2010 and now choose to pay most of my bills online and am still setting up a paperless system. My COMPLAINT : CareCredit/Synchrony Bank -- I was recently was told I was being connected to synchrony bank and was connected to the wrong bank from another account ( Amazon XXXX. They were asking my entire social security number and other things I felt uncomfortable with and that 's how I found out the phone call had connected me to the wrong bank which added more concerens for this complaint I will explain now : My problem : I am taking extra precautions so ... I have tried so many times to sign onto my CareCredit account to make payments to my bill and the site does not allow me to, it says it does n't recognize me. Long story short, after a few months of trying I finally called. I was told by synchrony bank I had a late payment so they " locked '' my online account ( causing me further late payments as I am unable to do this during the day so I have been up all hours late night with NO clue what is wrong ) I have NEVER heard of locking online access because a payment is late and insisting it be paid by phone. I do NOT feel comfortable paying by phone and I told them this sounded like a racket to incur more finance charges rather than " ALLOW '' a customer to pay their bills on time. I also mentioned to the rep/supervisor I was so upset by this, I may file a class action law suit because it was their fault I can not even access my own account online as I am unable to do this during normal business hours. He then removed those late charges but I can not see anything for sure to confirm this in my account because it 's locked! I do not want to pay by phone! I can not keep track of what I do by phone, mail/paper mess everywhere, and I have no proof etc., I have problems and have been scared with phony calls too many times by phone lately so I am insisting to to have access to my account but they are refusing unless I pay to catch up. I want to but NOT by phone. I can not afford to lose one more penny and I do n't want to use mail because again, I still can not see whats going on. ONline I can take a screen pic of what I am seeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Experian Information Solutions Inc.
State: MI
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:
I have contacted Experian by mail about the credit card usage percentage that is incorrectly reporting. I have not received a response about the credit usage.

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 2017-06-14
Company: EQUIFAX, INC.
State: VA
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 send a letter to Equifax with a copy of my V irginia Drivers License, a  copy of my Social Security Card and a copy of a current bill showing my current address. I asked Equifax to send me a copy of my credit report as l received adverse action in relation for applying for a loan, i asked them to send me a copy based on this, also they can see the inquirers on my credit report file with Equifax. They sent me a letter dated  XXXX   XXXX ,  2017  stating l must pay {$11.00} for the report, when i specifically stated to them in my letter l was requesting it based on adverse action. Under the FTC.GOV federal government web page l am entitled to a credit report if adverse action was taken against me. Here is the statement from the FTC.GOV webpage : " Under federal law, youre entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action '' So l am requesting your help in having Equifax send me a paper copy of my report as state by  Federal Law.      Thank You  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving phone calls regarding this debt, claiming it is not being paid. The debt is an off-set through the treasury that has been coming out since XXXX XXXX and should complete XX/XX/XXXX. Less than half or NONE ( according to some of the calls ) have been collected. The treasury automatically pulls {$260.00} each month. I have receipts. I do not know where the money is going once it is pulled. I simply have documentation that states the money has been pulled for a debt. For this reason, I am asking the company to refrain from their phone calls as money is being pulled from my account. I am working on where it is going. If you have questions, contact the treasury or the VA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: Conn's, Inc.
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
on Saturday, XXXX XXXX, 2016, I called Conns at XXXX and advised the person who answer ( no name ) that I had become unemployed and was unable to make the payments. She asked me when I would like the merchandise to be picked up. I asked if Conns had a lien on the merchandise, such as a UCC filing. She advised that she did n't know. I told her that before I went any further, I wanted to consult with my attorney. Immediately after I said Attorney, the original phone person dropped from the line and I was then speaking with XXXX XXXX. I advised XXXX XXXX that I was unable to make the payments due to unemployment. I then asked what the terms were on my account, more specifically, the interest rate. He said that because I was late, the original 0 % was gone and interest had accrued from the original date of purchase. I asked again, at what interest rate. He said something like {$700.00}. I said, this is not a interest rate, I need to know what my interest rate is. He said 21. I said 21 what? he said 21 %. I said 21 % per what period. He was unwilling or unable to answer this question, only to say I would have to pay all the interest. Again I asked, At what rate. XXXX XXXX said XXXX. I asked " 27 % per what? '' attempting to find out the terms. XXXX XXXX again said " 27 % ''. To which I asked " 27 % per what, per month, per year, per day? XXXX XXXX, you can not just say a number without a time frame. Interest is calculated over time. Am I paying 27 % per month or per year? ". Again he only said " XXXX ''. I then asked him what the APR is. He said " your interest rate is 27 % ''. I replied with " that was not my question. What is the APR I am paying to Conns. He again said " XXXX ''. I asked " XXXX per what ''. He then said " XXXX XXXX, your interest charges are going be be at least {$700.00}. ". Again I asked " at what rate ''. Finally it was clear that XXXX XXXX and Conns was acting in bad faith and not wanting to disclose my APR to me. I still have no idea what the rate is that they are requiring me to pay. The conversation ended with XXXX XXXX indicating that Conns wanted to come pick up the appliances. I ask again if they had a lien on the appliances. XXXX XXXX became very curt at this point. I told him that I thought I should talk to an attorney before continuing the conversation. At that point he demanded payment and offered to post date a check. I advised XXXX XXXX that I no longer felt comfortable in speaking with him and ended the call. I simply want to know if Conns has a lien on the property and what my interest rates are, as the did not provide this information at the time of the purchase. I need this information to present to my attorney for a possible bankruptcy filing, which I disclosed to XXXX XXXX. This is a nightmare. Conns calls my cell phone all day and night, but is unwilling to tell me the terms so I can decide how to move forward. Thank you for the help and sorry about the long rant. - RN

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
I am writing to dispute ( XXXX ) marks on my annual credit report. 
# 1. SYNCB/Chevron PLCC # XXXX I did not personally open this account but was added as an authorized user for the account. I never physically had a credit card in my possession for personal use. The primary account holder and I are not in contact with each other and to my knowledge all charges on the account had been paid in full. 
# 2. SYNCB/JC PENNY # XXXX This account was opened and kept current until XX/XX/2009, when I experienced some financial difficulties and was n't able to keep my account current. Once I was able to get some steady income, I reached out to customer support at JC Penny and nobody was able to assist with me trying to pay back the balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: SUNRISE CREDIT SERVICES, INC
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid in full XX/XX/22 to XXXX XXXX a subsidiary of XXXX XXXX. They have told me they have sent over their paperwork to relieve me from collections 3 times, when I contact the collection company they try to intimidate me into making another payment for the full amount. I have filed a few disputes with XXXX as well as XXXX, they reply with statements saying amount is accurate with no representation for me, I have provided copies of payment and still reporting as in collections even though XXXX  says I do not owe and debt was paid in full

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX XXXX, 2022, I learned Home Depot had lowered my credit limit because of inactivity. They say they sent a letter. However, I never received it. I only learned it had occurred because of a XXXX alert. It lowered my credit rating by 3 points. I had never had a late payment and the account had no balance and was 11 years old. I spoke with two managers who told me they must pull a credit report to reinstate. This would result in double jeopardy since my credit report would take a hit for an inquiry. I have excellent credit, but they refused to do anything without a new credit report. I dont want to close the account as that would also be reflected in my 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 2015-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
Bank of America representative XXXX called my home 364 days straight in XXXX and also called an hung up when I did not answer XXXX times each of those 364 days but did not leave his name. The calls came in between XXXX est and XXXX est. Sometimes every half hour for several hours. The three years or so before these harassing calls I tried to speak with Bank of America representatives and was cursed at, threatened, degraded, hung up on by them only to be called back every XXXX minutes until I picked up again. I went in person the the local Bank of America Branch to report this and the Branch assistant mgr said she know this is a common complaint and nothing can be done. I was shaking so bad I could barely speak and tell her what they are doing and how much it disrupts daily life to the point I cringe each time the phone rings. To add insult to injury my credit score is damaged and the Bank of America actually states the kind of loan I have - interest only home equity loan - can not possibly be the type I received as it is not allowed by law! I do have XXXX! The interest only home equity loan was given to me XXXX and here it is XXXX and the Bank of America is a nightmare that will not end. I am on the do not call list, have been for years. I am on XXXX since XXXX and all I am seeking is an immediate and final correction and repair of my credit and no longer be afraid to answer my phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax has placed a fraud hold on my credit report. I have repeatedly sent the requested information to prove my identity to remove the hold. This information has been sent by certified mail, fax and email ( requested by Equifax even though they do not accept documents via email ). I am unable to secure an apartment lease due to this fraud hold and Equifax can not seem to find the documents that they continue to request

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Quality Loan Service Corporation
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
QUALITY LOAN SERVICE CORP of XXXX XXXX is a third party loan servicer who is illegally trying to foreclose on my home by scheduling auction sale on XXXX XXXX, XXXX. TS # XXXX XXXX. They are not representing any entity with a legal right to demand collection and sell the property. 
Trustees Deed XXXX/XXXX/XXXX XXXX Grantor/Grantee XXXX XXXX has been overturned by the court. 
The paragraphs bellow are from one of the documents I have attached. 
Trustee Sale No. XXXX Loan No. XXXX Title Order No. XXXX NOTICE OF RESCISSION OF TRUSTEE 'S DEED UPON SALE " On XXXX/XXXX/XXXX, at the property was purportedly sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
f/k/a The Bank of New York Trust Company, N.A., as trustee for XXXX Multi-Class Mortgage Pass-Through Certificates Series XXXX, being the highest bidder at such sale who bid the amount of {$430000.00}. 
5. The Trustee has been informed that the Trustee 's Sale in question was conducted through inadvertence and oversight. The Trustee 's sale of XXXX/XXXX/XXXX, as described above is null and void and of no force and effect. 
6. The express purpose for this Notice of Rescission is to return the priority and existence of all lien holders to the status quo ante that existed prior to the Trustee 's Sale. 
NOW, THEREFORE, THE UNDERSIGNED HEREBY RESCINDS THE TRUSTEE 'S SALE AND PURPORTED TRUSTEE 'S DEED UPON SALE AND HEREBY ADVISES ALL PERSONS, WHOMEVER AND WHATSOEVER LOCATED, THAT THE TRUSTEE 'S DEED UPON SALE DATED XXXX, FROM XXXX TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. f/k/a XXXX., as trustee for XXXX Multi-Class Mortgage Pass-Through Certificates Series XXXX AND RECORDED XXXX AS INSTRUMENT NUMBER XXXX, OF OFFICIAL RECORDS OF XXXX XXXX XXXX IS HEREBY RESCINDED AND SHALL HAVE NO FURTHER FORCE OR EFFECT WHATSOEVER. 
Also, please see CFPB case # XXXX It is complain I filed against the previous third party servicer, which protected me from their illegal claim. This current situation is another attempt by XXXX XXXX XXXX to continue its criminal activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX  # XXXX, sent me an XXXX Application : On XX/XX/XXXX, My Physician and I filled out the application and sent it in. XX/XX/XXXX I received a response saying they were reviewing my application and XX/XX/XXXX they replied my physician did fill out the application. I have proof and the account is old.

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 2022-06-02
Company: AMERICAN EXPRESS COMPANY
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: Their investigation did not fix an error on your report

Complaint:
This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.

Company response to consumer: Closed with explanation