BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Called XXXX at XXXX XXXX XXXX and was told to mail my proof to : CAPITAL ONE XXXX. XXXX  XXXX XXXX  XXXX XXXX, UTAH XXXX Re : Rewards Dispute Which I did around XX/XX/20 LETTER I SENT THEM WITH SCREENSHOT OF PROMOTION : APPEALING DISPUTE - NEED REWARD ADJUSTED XX/XX/2020 THIS ( in the screenshot on the page Im providing ) is the ONLY card I applied for and the only offer I want. 
I always take a screenshot in the event something like this might happen. If we can not resolve this, I will be seeking help from the Consumer Protection Bureau.

Please adjust my one time cash reward accordingly, to be {$500.00}, not {$300.00} as they credited me. 

Thank you, XXXX XXXX XXXX XXXX XXXX ( Cell ) Before that I CALLED CAP ONE ON XX/XX/XXXX @ AROUND XXXX XXXX CST. Spoke to EID # XXXX XXXX. She said she escalated this to her supervisor and it should be adjusted by XX/XX/XXXX. Nothing happened. 

Called again and spent 1:47 hours and minutes with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: IA
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 will continue to report this until Equifax does something about it. You can not have a creditor report inaccurate information on someone's account. I gave you proof, and you ignored me. This is the XXXX time reporting the same XXXX account with inaccurate information. The date of delinquency was early XXXX, making the account over 7 years delinquent and, by law, needs to be deleted from my report. XXXX has ruled in my favor that XXXX was reporting inaccurate information and removed the account from my report. Equifax and XXXX have refused to do anything about it. There are so many differences between what Equifax and XXXX are reporting. According to Equifax, XXXX and XXXX, they are 100 % reporting everything correctly even after providing proof for years that they are not. Payment history is different on at least 14 months. The date of the last payment is different. The date account was closed is different. Please delete the account from my credit report immediately!! See attached files. XX/XX/XXXX Equifax 90 days late XXXX 120 days late XX/XX/XXXX Equifax 120 days late XXXX 90 days late XX/XX/XXXX Equifax 120 days late XXXX 90 days late XX/XX/XXXX Equifax 90 days late XXXX 60 days late XX/XX/XXXX Equifax 60 days late XXXX 30 days late XX/XX/XXXX Equifax 90 days late XXXX 60 days late XX/XX/XXXX Equifax 60 days late XXXX 90 days late XX/XX/XXXX Equifax 90 days late XXXX 60 days late XX/XX/XXXX Equifax 90 days late XXXX 60 days late XX/XX/XXXX Equifax on time XXXX 30 days late XX/XX/XXXX Equifax on time XXXX 30 days late XX/XX/XXXX Equifax on time XXXX 30 days late XX/XX/XXXX Equifax 60 days late XXXX 120 days late XX/XX/XXXX Equifax on time XXXX 30 days late Date of last payment. Equifax XX/XX/XXXX XXXX XXXX XXXX Date Account closed. Equifax XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: EQUIFAX, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: EQUIFAX, INC.
State: HI
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:
This is the information that I sent to XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX My credit report shows that I have an account with late payments. I do not believe this is accurate, because my own accounting shows that I was not late on the following dates XX/XX/XXXX, {$200.00} was paid on XX/XX/XXXX. XX/XX/XXXX was paid on XX/XX/XXXX in the amount of {$200.00} and XX/XX/XXXX was paid on XX/XX/XXXX in the amount of {$200.00}. 

XXXX XXXX replyed on XX/XX/XXXX that they received my correspondence to consider adjusting the payment history. And their reply was : We are contractually obligated to report your payment history as it actually occurred. Our review shows we reported your history accurately, therefore, we can not change your report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I was instructed to make final payment with a personal check after canceling automatic withdrawal payment, the personal check payment for {$240.00} cleared on XXXX XXXX on XXXX XXXX KMF also withdrew funds from my checking account. I reached out to the company immediately after seeing the error and they said they are unable to reverse the error.

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 2015-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I made arrangements with XXXX bank that during the months of XXXX through XXXX I would pay XXXX per certain months that my account would be listed as current. This is in regard to credit card XXXX XXXX XXXX XXXX my account should be listed current XXXX through XXXX XXXX. I called XXXX and they agree and told me to dispute this my email address is XXXXXXXXXXXX phone XXXX please reach out and tell me what I need to do

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Global DS Group LLC
State: NM
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I contracted with Global DS Group to consolidate my payday loans an began paying {$1400.00} for 4 months, this amount became to much I was starving I ask to reduce my payment they said they could not and if I terminated my payment then I would loose all the money I had paid to that point. I had no choice but to stop payment and this company will not refund any money {$5600.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I purchased an American Express Serve card. I never received the permanent card because I moved two days later. I have tried numerous times to call them, but NOBODY EVER ANSWERS. I just want my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My stimulus check for {$3400.00} was deposited in my bluebird American Express account on XX/XX/2020. I was able to withdraw XXXX of it that day but when trying to purchase things shortly after my card was declined and now my account is locked and have been trying for days to reach them. Spending hours on hold Not only can I not get access to my stimulus check but check is direct deposited to and now I have no available funds

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-24
Company: EQUIFAX, INC.
State: MD
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:
RE : Inaccurate Reporting to Credit Bureaus Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX incorrect balance information about my XXXX account to all three credit bureaus. My balance has been incorrect since XXXX of 2021. I have disputed this issue multiple times and no changes. This has caused my credit score to not reflect my positive payment history and balance. 

As a responsible and valued XXXX customer, I deserve to have accurate reporting. If I was late on my car payments, I would not have to take time out of my day to inform XXXX XXXX XXXX of accurate credit bureau reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
At the beginning of XX/XX/2016, my income was incorrectly calculated by FedLoan. Because of their error in calculations, my income-based monthly payment was approximately 3x higher than it should have been, and it was impossible for me to pay. When I contacted FedLoan, they told me that the only solution to the problem would be for them to conduct a review of the situation and try to sort it out. When I asked how long this would take, they said it could take up to 3 months after receiving additional paperwork from me ( paperwork I had already previously completed and submitted months before ). They also said I would have to pay the incorrectly calculated monthly payment ( & gt ; 25 % of my take-home pay for the month ). They asked for me to resubmit my proof of income, and they also made me complete ( AGAIN ) another income-based repayment enrollment request and mail it to them. I did all of this. Over a month later, I called for an update and there had been no progress. One individual I spoke to said that the additional paperwork I sent had been received, but had been incorrectly filed. Therefore, they needed me to send it again. Because I could not pay the incorrectly calculated monthly payment amount, they said my only option was to put my account into forbearance. Keep in mind, I had been making monthly payments on my loan since I graduated from school - NEVER putting them in forbearance or deferral. I filled out their paperwork a third time and submitted it. Over the next 4 months, I called FedLoan monthly to check in with them, wasting hours of time waiting on the phone. Over these 5 months, I had to put my account in temporary, monthly FORBEARANCE FOUR TIMES since they could not get their act together. ( 1 ) During this time, my student loans accrued & gt ; {$5000.00} in interest, which was not being paid down since I could not make the payments THEY incorrectly calculated on my account! ( 2 ) Furthermore, I missed out on & gt ; 5 payments that would have counted towards the 120 payments required for the Public Service Loan Forgiveness Program. ( 3 ) Finally, as I was not able to make my normal payments on my account, I wound up paying 50 % less on my loan than I did last year, which negatively impacted my tax return. All of this ONLY because it took FedLoan & gt ; 6 months to resolve a simple issue which was their fault. Who is going to compensate me financially and personally for the repercussions of their mistake? They certainly have n't, nor have they apologized, or improved any part of their customer service process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
On XX/XX/XXXX, I applied for a mortgage refinance through Suntrust after being notified that I was pre-qualified to refinance at a lower interest rate. I am financially sound and went through the process of the loan application. Suntrust appraised my home and after the application signing I was told that a closing date would be set soon and that everything was processing efficiently. Around XX/XX/XXXX Suntrust began requesting additional utility bills and a home owner 's insurance declaration. On XX/XX/XXXX, Suntrust requested that the home owner 's insurance declaration be amended with my primary name instead of my father 's name. This was a very strange request because I am refinancing this home in my name instead of my father 's name. I sent the new homeowner 's insurance declaration page to Suntrust on the morning of XX/XX/XXXX as soon as I received the amended document from my insurance agent. On the afternoon of XX/XX/XXXX Suntrust sent me a denial letter because of time-lapse on the application process. 
The time-lapse of this application was due to Suntrust. I responded and had given every detail and document that they requested in a timely fashion. All responses between Suntrust and I are documented and dated for validity on the matter. Someone on the end of Suntrust simply " dropped-the-ball '' for weeks at a time during the process. This happened more than XXXX time from XX/XX/XXXX to the end of XX/XX/XXXX. Consequently, interest rates have risen and I can not get the lower interest rate through another company.

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 2017-02-22
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We have a credit line with Suntrust Bank in XXXX, Florida. The XXXX names on this credit line are XXXX persons : XXXX ( myself ), XXXX ( wife ) and our son, XXXX. The interest pertaining to this credit line are debited directly from my son, XXXX 's checking account. The Form XXXX, has my name only, showing my social security. I have in many occasions requested to change this to my son 's name along with his social security number, as he is the one paying the interests and are debited directly from his checking account. They have told me that they can not change it. To my knowledge, the Form should show my son 's name ( XXXX ). I am a retired civilian and do not even have enough funds to pay such interest in that amount. Also, since I am retired and receiving social security, this can cause unneccesary problems with the IRS. Please know that this is a former complaint against Suntrust, and wish for you to assist me if I have the right to this request.

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 2021-12-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have reached out to the credit bureaus about the incorrect information on my credit report recently. I addressed all issues that was incorrect on my credit report I have yet to get a response or correction about my concerns. It is my right to address my credit according to 609 rights. This is not my debt and I demand it be removed according to those same rights aforementioned!

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 2021-12-24
Company: Experian Information Solutions Inc.
State: MD
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:
RE : Inaccurate Reporting to Credit Bureaus Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX incorrect balance information about my XXXX account to all three credit bureaus. My balance has been incorrect since XXXX of 2021. I have disputed this issue multiple times and no changes. This has caused my credit score to not reflect my positive payment history and balance. 

As a responsible and valued XXXX customer, I deserve to have accurate reporting. If I was late on my car payments, I would not have to take time out of my day to inform XXXX XXXX XXXX of accurate credit bureau reporting

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 2015-10-16
Company: Van Ru Credit Corporation
State: NY
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Van ru is not telling you what they really are doing. I have been lied to about my agreements with them stating that if i pay certain amount i will have my debt taken out of default then when the time came i was told oh no you have to now pay a different amount in a another consecutive time period, etc ... please just investigate or you can even google van ru scam and read about peoples reviews and experience with the companies

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-25
Company: Fay Servicing, LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We cancelled our homeowners insurance in XXXX 2015 with one company and selected a new company. Our mortgage company sent a check for payment to the one that we cancelled and that money has not been returned to our account even though that is not our current insurance company. They claim that they are investigating where the money went or where the check went, we have called numerous times and nothing is being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX File Number Advised the company via transunion 3 times that this is not my account. Never did business with this entity. 
LVNV FUNDING LLC XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Credit determination

Complaint:
I contacted Sears after reviewing my account online. On my account summary it showed XXXX separate accounts. After seeing this I contacted Sears customer services I had to repeat myself over and over again asking why I have XXXX different accounts. I informed the customer service representative that the only card is the account ending in XXXX with an expiration date XX/XX/XXXX. The customer services representative immediately said " Oh would like a new card ''. I continued asking her why I have XXXX different accounts. Finally she gave me the explanation that it was my old account. I still do not understand why that account number is still showing on my account. The customer representative asked me again if I would like a new card. I said " ok ''. The customer service representative put me on hold. She came back on the phone to confirm my mailing address. Then informed me that my new card would be sent. I woke up the next morning finding out that my credit was pulled By Citi ( which provides Sears the credit card ). I have contacted Sears/Citi. I am currently in the process of purchasing my first home. I will be going to closing on XX/XX/XXXX or XX/XX/XXXX I never said yes you can pull my credit. Citi bank contacted me today the presidential office stating that it is common practice for Citi to do this when a new card is requested to protect against fraud.

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 2016-12-27
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I have a health savings account with HSA Bank, A division of Webster Bank. For 2016 I need to distribute {$6900.00} for Dental, Medical, Vision and XXXX. I recently added my bank account info to their website in order to distribute money to my account for these expenses. Their website said this would allow me to get my funds more quickly. When I attempted to distribute funds to my bank account an error message said {$2500.00} was the daily limit. I distributed that amount to my bank account, but every time I try to make subsequent distribution, they block my account. I have called them numerous times and they say will fix it, but it keeps happening. This money belongs to me, not HSA Bank. They have no right to withhold my funds. I have incurred expenses to make the numerous calls because my only phone is a pre-paid cell phone and I have lost interest that I could have received as I would have placed these funds in my Money Market Account. I have already paid the bills out of my own funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: Credit Systems International, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My XXXX Credit report states that I have a debt collection that was paid for by my insurance that I had when I was working. I had a XXXX XXXX in XX/XX/XXXX. My insurance paid these claims, and I became homeless in XXXX XXXX until XXXX XXXX. I could no longer pay rent and lost my home. I no longer have the paperwork that provides the proof that this debt was paid, because I was living out of my car. I no longer have any vehicle, I am XXXX and I have no way of providing the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: Fay Servicing, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Condo was returned to XXXX in Chapter XXXX BK discharged XXXX XXXX, 2013. Fay Servicing bought a pachage of properties from XXXX has has been sending collection letters, phone calls and refuses to tell XXXX County Assessor that the condo is NOT owned by me

Company response to consumer: Closed with explanation