BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I called the representative named XXXX agent ID # XXXX regarding the one time bonus of {$100.00} that I was supposed to receive after spending {$500.00} in the first 3 months. However, the agent stated that I was supposed to get the notice that I 'm not eligible, since I was using a different Capital One product before. When I stated that i did not receive such notice, she stated that I was supposed to be verbally notified about this. However, when I further stated that I was n't notified, she stated that actually I 'm just not eligible. When the agent transferred me to the Senior Agent XXXX # XXXX, he refused to provide any information, nor was he willing to send me a copy of the terms and conditions that state that the upgraded account is not eligible for the same benefits, though the promo notification that I received did not mention that I 'm excluded from this benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On   XXXX   XXXX   I did a pay to delete letter with ERC they cashed the check but the deal to cash the check was to delete from all credit bureaus since the debt was n't mine. They cashed the check and did n't uphold they end of the bargain

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
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:
I 've submitted disputes with the  XXXX  national credit reporting agencies ( Experian,   XXXX   and  XXXX   )  concerning (  XXXX   )   XXXX   XXXX   XXXX  and to no avail. Each time a dispute is submitted with the  XXXX  bureau  ( s ) , I 'm notified by my own ( not the credit bureau  ( s  ) credit monitoring alerts, a general " Meet FCRA requirements '' note without details to the reasoning of their conclusion with the investigations.  XXXX  has made attempts to request that this item be deleted as well, please see the attached document dated   XXXX   XXXX   , 2017.  The credit bureaus are making it extremely difficult by refusing to delete and not giving me a valid reason as to why. This has hurt my credit report and  credit score t remendously by making appear more at risk to lenders.

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 2016-03-23
Company: BARCLAYS BANK DELAWARE
State: DC
Product: Credit card
Issue: Advertising and marketing

Complaint:
I signed up for the Barclay XXXX Card because it was advertised to me as having " no foreign transaction fees '' for purchases made abroad. This was represented to me in writing multiple times. However, I recently discovered that the card applies a " foreign currency fee '' for all transactions abroad, although this fee is hidden and is simply incorporated into the amount shown on my bill without any separate line item. I have documentation that I have been charged these fees by Barclay 's customer service and their absurd distinction between a " foreign transaction fee '' and " foreign currency fee ''. The whole reason I got this card was so I could use it abroad and now they 're charging me a fee for using it abroad despite multiple written assurances that XXXX of the benefits of this card was no foreign transaction fees. I have used this card for multiple years, on mutilple trips abroad, all the while paying these fees without knowing. Cumulatively, this 1 % fee has cost me over {$100.00}.

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 2017-05-07
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
Documents send to credit reporting as result of Identity theft was not conducted appear documents got lost was not received.     With your assistance I am re-sending then again.     REF : Identity Theft I have sent previous letters to you advising you that After reviewing my credit report file with all  3 cr edit reporting agencies all by certified mail  (  copies of receipts enclosed ) re questing you to initiate the process and document and to work with me on clearing my file of inaccurate information from my file as a result of Identity theft.     To this day of this letter I have not seen any changes or deletion of accounts been delete from my file as I said before as a result of investigation requesting for clarification of account, to have finally concluded which account have to be delete as they are the result of identity theft.     Because of the time to cure this need to happen rapidly and almost a moth has been lost I am compel to communicate and resend this information with the assistance of the  Consumer Financial protection Agency  for the accuracy and for record keeping that indeed documents will be receive without having to have then lost which is the last thing I need as my identity has already taken and used illegally.     If this final request does not prompt you to conduct a proper deletion of the accounts in question, and send proof to me of send to me confirmation of  XXXX  item have been delete and that the creditor or  collectors ha ve also being advice and have them what is necessary on their part to follow for not to cause any more damages to my credit profile.     I take my credit very seriously and any lack of professionalism and assistance will be.     I trust that you will do what is necessary to protect my privacy and the accuracy of my file with your agency unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.   I anticipate your response.     Sincerely,   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've tried disputing a couple of fraudulent accounts on my credit report, and the  Bureau  has taken some of it off but only the collection things. I 've sent letters to the collection agencies and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include.  Feel like after six  months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-18
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Late fee

Complaint:
hello this is a continuing problem we had with this bank and this company we field complain after complain about them and nothing is being done we had problem with the items we purchased from pep boys there way of fixing was we owe XXXX out of which XXXX are late fees we iformed them of our situation and where promised that late fees will be taken off the still reported us late to credit agency

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 2016-03-29
Company: Ditech Financial LLC
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have had a membership with XXXX for years, I get my XXXX in XXXX credit report every 6 months and when I got it this time I did a little research to see why my credit score was different on all XXXX reports. Looking at the report I see XXXX reports wrong information from XXXX and XXXX, they have over XXXX accounts open when they are closed. I call XXXX and told them what was wrong and sent the IT department a screen shot of my credit report at XXXX ( which is correct ). It has been over 3 months and it is still not fixed. XXXX say it is a system issues but how can they be in the business of reporting credit and do n't have it right? I called XXXX every other day and they just hung up on me or say it is a IT issues. 

Another issue, Green Tree which is now Ditech Financial LLC. I had a mortgage loan from XXXX of XXXX to XXXX which is 20 years and I paid my mortgage on time for 20 years and my last year when I got down to {$8600.00} I settle with them for {$6700.00}. This was a interest barring loan and they had made {$100000.00} off of {$29000.00} loan. They reported to my credit report that I settle for less then the balance and put a flag on my report to stay on 7 years. I have been calling the company which I get no call back but I am asking if a company settle with me and it is less than {$2000.00} and been paying for 20 years why would they hurt my credit like this? I was never late paying them for 20 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I 've submitted disputes with the  XXXX  national credit reporting agencies (   XXXX   XXXX   and TransUnion  )  concerning (  XXXX   XXXX   XXXX   XXXX   XXXX  and to no avail. Each time a dispute is submitted with the  XXXX  bureau  ( s ), I  'm notified by my own ( not the credit bureau (  s )  credit monitoring alerts, a general " Meet FCRA requirements '' note without details to the reasoning of their conclusion with the investigations.  XXXX  has made attempts to request that this item be deleted as well, please see the attached document dated  XXXX   XXXX ,  2017. T he credit bureaus are making it extremely difficult by refusing to delete and not giving me a valid reason as to why. This has hurt my credit report an d credit score trem endously by making appear more at risk to lenders.

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 2021-12-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
EXPERIAN HAS RE INSERTED PREVIOUSLY REMOVED FRAUDULENT ACCOUNTS THAT I SUBMITTED POLICE REPORT AND THEFT AFFIDAVIT FOR THEREFORE VIOLATING THE FCRA. THEY ARE XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I currently have several pieces of incorrect information reporting on my credit reports. I would like to have this information corrected and/or deleted so that it can stop negatively affecting my credit score. On my XXXX  report there shows a XXXX XXXX XXXX account which is reporting as a repossession, however, the car was never repossessed. It is also showing that after the alleged repossession the account was then paid on time for six months. However, my XXXX  report is reporting correctly in that it was paid and closed as of XX/XX/2014. This account should be removed from my XXXX  report for this inaccuracy and for the damage they have caused me over the last almost 7 years or even better to correct the account status to reflect paid as agreed and never late. My credit report also shows a collection account for XXXX XXXX. I never opened an account with this company and they have not provided me with any proof that I owe this debt. This account should be completely removed for being invalid. My report also shows an account with XXXX XXXX. I do not owe this account. I have requested documentation from XXXX to validate this debt and although they have sent me letters stating that they have received my request they too have not provided any evidence that I owe the debt. This account should be completely removed for being invalid. And finally XXXX  is reporting a debt from XXXX for {$19000.00}. This account is more than XXXX years old and should also be removed from my credit report for being past the statute of limitations. In addition, TransUnion and XXXX  are reporting inquiries that I never authorized and/or that do not have permissible purpose. I have attempted to contact the corresponding companies, however, they have not taken corrective action on my credit report. I am requesting the bureaus help in having this information removed from my credit report. Lastly, my reports show an address that is associated to a business address not my personal address and I would like to have all references of this address removed from my personal credit report : XXXX XXXX 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 2016-04-02
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech ( they are really still Greentree, XXXX rebranding should not work! ) has not sent me confirmation of my XX/XX/XXXX payment, sent XXXX/XXXX/16 via my Bank 's Bill Pay System. I made this payment early since I knew Ditech is " upgrading '' their website starting XX/XX/XXXX ; it will be down until XXXX XXXX! I have no way of knowing if Ditech got this payment, and they do not respond to emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I used the Bank of America XXXX XXXX, Texas location ATM to deposit {$8000.00} cash. The ATM would receive a maximum of 40 bills, so I made two transactions. 1 transaction went through and credited my account {$4000.00}. The second transaction did not process and the {$4000.00} was taken by the ATM. I immediately went inside to discuss with the branch manager. He instructed me to call to report it. I called, made the report and got a claim number. The bank issued me an immediate credit for the missing {$4000.00}. On XX/XX/XXXX, I got a message from the bank that my case was closed and the credit was permanent. On XX/XX/XXXX I received another notification from the bank that the credit was being reversed and no reasoning was noted. I called again and the bank is looking into opening the case again. I requested them to check the ATM reconciliation as well as review the video from the ATM that day. No resolution yet and I am currently out the {$4000.00}

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 monetary relief
Consumer complaint received 2015-05-20
Company: Remit Corporation
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I am also a debt collector, recently I called Remit Corporation which is located in XXXX, PA. My husband has a supposed bill there from 2007 that has a judgement placed on it by XXXX County XXXX A woman named XXXX who works for Remit has been harrassing us about this bill. While on the phonr with her, I informed her that anything over 7 years old can not be on Credit Report unless recent payments are being made on it. She told me that obviously I have not been doing my job very long because I have no idea what I am talking about. In no way, shape, or form are you allowed to speak to a debtor or a debtors spouse in that manner. Remit has no idea what the bill is for. XXXX just keeps explaining to us that we owe over {$600.00} or there will be a Sheriff Sale on our items in our home.This is totally not right and definitely against FDCPA laws!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: Avant Credit Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I called Avant and told them that my ex wifes loan was getting paid through my bank account and they told me that there was nothing they could do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
TO WHOM IT  MAY C ONCERN :  American Express pl ace neg. statement on my  XXXX  credit bureau reports that 's not correct. I have communication on making payment on credit card debt, without notice  American Express c losed account and place debt under paid. Account number #  XXXX .     On second account number #  XXXX ,  American Express closed a ccount that was n't late or behind in payment. Ask well place account as neg., and unpaid on  XXXX  bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: MRS BPO, LLC
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: Account status incorrect

Complaint:
I have student loans through   XXXX   XXXX  . I pay a company called MRS BPO for these loans. They are paid on time each month for the last 4 years. Approximately 3-4 times per year, MRS-BPO does not provide my up to date payment information to   XXXX   XXXX  . Which then causes them to report a payment as late to the credit reporting agencies. This has now happened again for the month of  XXXX . My payment was made via automatic draft on 4/15 as it is every month. I was just notified of a negative report on my credit monitoring service stating that   XXXX   XXXX   is reporting the account as 60 days late yet again. I am in the process of repairing my credit report in order to buy a house. Their reporting of my account could greatly hinder my ability to get a mortgage in a timely fashion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: Remit Corporation
State: MO
Product: Payday loan
Issue: Can't contact lender

Complaint:
My relative XXXX XXXX used my info to obtain XXXX loans while I was incarcerated. {$360.00} from Remit Corp on XXXX and another {$1400.00} from XXXX XXXX XXXX. On XXXX XXXX all Mo. Doc records will verify I was in prison from XXXX until XXXX, 2015 I ca n't get any help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My personal information was leaked or stolen XX/XX/2010 and has been used to obtain medical accounts, loans, and education in my name. I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't till last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this and when we spoke to the police department they did n't have much answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think i 'm lying. Figured this was my last stop or just wait 7 years i guess for this to fall off my credit. 

MY OFFICIAL COMPLAINT IS AGIANST SYNDICATED OFFICE SYSTEMS DBA CENTRAL FINANCIAL CONTROL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
When I applied for loan through my college in XX/XX/2003, I was told by my loan company being XXXX that I would have XXXX loan for the full amount. They blatantly lied to me and actually issued me XXXX loans for the total amount. As I was making payments on XXXX loan the other XXXX were going delinquent and therefore affecting my credit rating very heavily and even caused the other XXXX to go into collections without my knowledge until it was far too late.

Company response to consumer: Closed with explanation