BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-21
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Discover card refused to service my account. I had several issues and I tried to get answers from Discover via electronic messaging chat, but Discover informed me that it does not service customers who prefer to communicate via written messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notice Transworld Systems on XX/XX/XXXX stating that they were trying to collect a debt for XXXX XXXX XXXX XXXX. I disputed the debt via US mail on XX/XX/XXXX but and called XXXX XXXX XXXX as well to verify what the actual charges were made up of and once I got clarification I went into the XXXX store on XX/XX/XXXX at XXXX where I was assisted by the Manager ( XXXX ) and made a payment in full for {$320.00} using my debit card and I was given a receipt. 
On XX/XX/XXXX, XXXX added a collection for {$320.00} for XXXX XXXX XXXX to my XXXX credit report and my score dropped XXXX points. I sent a dispute letter via US certified mail to Transworld disputing this debt and informed of the damages that they did to my credit as a result of false reporting and asked for the collection to be deleted and my credit points restored but never received any communication/response from Trans World. 
On XX/XX/XXXX, TransWorld added another collection for {$320.00} to my XXXX XXXX credit report and it dropped XXXX points. I called XXXX XXXX XXXX  and reported the issue but was told by a male staff on the phone that I had no balance on my account and to seek resolution from Transworld. 
On XX/XX/XXXX, Transworld added a collection for {$320.00} to my XXXX credit report further damaging my credit and leading to several denials for credit for both personal loans and credit card. This time I went back to the XXXX store and spoke to XXXX ( Store Manager ) directly, she called the customer service/billing department but was told there was nothing XXXX XXXX XXXX could do to resolve my issue/concerns as my account had a XXXX balance and they don't know why TransWorld would be trying to collect a debt that was already paid. 
Again on XX/XX/XXXX. TransWorld again added an unpaid collection for {$320.00} for XXXX XXXX XXXX to my XXXX  report and till this very day and continue to damage my credit. TRANSWORLD is so deceitful, unprofessional and have violated the fair credit reporting laws on multiple occasions and still continue to do so by falsely reporting on my credit report and trying to collect a debt that isn't owed and they need to pay restitution for damaging my credit. 
I disputed this debt with the credit bureau but they keep saying that Transworld systems keeps verifying the debt as actual debt. How can that be when XXXX XXXX XXXX were paid in full on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Equitable Acceptance Corp
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The company name is Equitable Acceptance as a third  p  arty (    XXXX   XXXX   ) The  Claimed to   be a company that helped the government with there loan forgivness program. I was informed that they could consolidate my loan into  XXXX  loan during that span I would only have to make payments on the consolidation. After that the loan could stretch out pass 20 years and whatever I did not pay after that time period would become forgiven. I first started with this company on  XXXX   XXXX     2016 an d every month since then I have  made 50. pa yments to the company for the consolidation fee.           Payment Receipt Hello, Thank you for your recent payment to Equitable Acceptance Account.   An amount of {$49.00} was applied to your account.   This email is a receipt confirming payment.   To access your account, sign on to  www.equitableacceptance.com If yo u have questions or need additional assistance please contact an Equitable Acceptance representative@ XXXX  Regards, Equitable Acceptanc e Corp.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, do swear under the penalty of perjury all I will say here is true and correct. 
I am a victim of ID theft. I have been to the police and they caught the person who perpetrated the fraud acts named here. I opened a bank account at USAA, and have my indurances there also. My bank account was hijacked by a fraudster. He had my personal info, cloned my phone number, and illegally gained access to my bank account at USAA. He opened a few other bank accounts at XXXX, XXXX XXXX, XXXX, and others. He was able to get those accounts linked to my USAA account by adding the amounts of the micro-deposits into the USAA account. I could not see these added accounts because I never opened the transfer part of my USAA account. When the fraudster made the transfers out of my USAA account to the fraud external accounts, he got the monies out of the external accounts and this caused a negative balance in my USAA account. When I discovered this negative balance in XXXX of 2021, I called USAA and made them aware of what happened, in XXXX of 2021. I went to the police and told them what happened, they at first felt I had used an alias and it was myself who did these fraudulent acts. They caught the perpetrator and took his fingerprints, and gave him a bond thinking it was me using that alias as my SS # is active. The police took my fingerprints and compared mine with the caught perpetrator. My prints did not match his. I was cleared. USAA has the certified police report notarized, and they refuse to remove their wrongful reporting of these fraud acts from XXXX XXXX cra. I have complained dozens of times and the CEO office appoints new people to my case and each of the 4 people refuse to return calls to me. It is infuriating to be ignored like this and harmed by USAA refusing to obey the law and removing their illegal reporting from XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My Freedom Mortgage Loan for XXXX XXXX is not being reported to XXXX. This credit bureau does not show any real estate accounts on my credit profile

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 2019-10-21
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I graduated from XXXX XXXX XXXX in XX/XX/XXXX with a 2 year XXXX degree in XXXX XXXX XXXX. The degree did benefit me with work from XX/XX/XXXX until the closing of the school in XX/XX/XXXX. Following the announcement of the closing, my job prospects have evaporated. No one has officially stated that my degree is now invalid, but the fact that job offers disappeared seems to be more than a coincidence. In XX/XX/XXXX I contacted the PA Attorney General 's office, requesting that this office please assist me with having my remaining loan with Navient dismissed due to the closing of my school. Ms. XXXX XXXX responded, stating that the Bureau of Consumer Protection had received my request. She continued by informing me of the lawsuit filed against Navient by their office on XX/XX/XXXX for such matters as I was dealing with. We corresponded a couple of times and spoke by phone once. I felt that they understood my issues with Navient and would represent me should I have to also file a lawsuit. Unfortunately contact with the Attorney General 's office ended in XX/XX/XXXX, for reasons unknown. 
Since XX/XX/XXXX my federal student loan has been deferred under the Income Driven Repayment ( IDR ) plan, accruing interest on a {$10000.00} outstanding loan amount. My monthly payment has been {$0.00} since XX/XX/XXXX. Currently the accrued interest amount on my loan of {$11000.00} is $ XXXX 4.750 %. When I left school in XX/XX/XXXX my  fixed interest rate on the remaining balance of {$17000.00} was 2.50 %. Each year that the IDR is renewed, the interest rate is adjusted to the current interest rate. This XX/XX/XXXX I received a notice from Navient that I needed to reapply for IDR or payoff my student loan. I contacted Navient, making them aware of my financial situation and to request that my student loan be dismissed due to the closing of the school and nullified value of my diploma. I was denied a dismissal, but instructed on how to reapply for the IDR. As of XX/XX/XXXX I received a notice from Navient, stating that my IDR had been approved and information would be sent following XX/XX/XXXX. 
I request that Consumer Financial Protection Bureau please advise in what action I may have available for my situation with Navient, in regard to my dismissing my student loan. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
I applied for the XXXX XXXX XXXX card and feel as though I received an unfair and misleading bait-and-switch offer. Apparently there are two credit card options -- which have very different terms and benefits -- the XXXX Signature has all of the benefits that are emphasized in the advertising, and the Platinum Plus XXXX, which has many many fewer benefits, including 1/6 of the bonus miles, no free checked baggage, and a significantly reduced companion ticket benefit. While it mentions this possibility on the application website, it was not clear to me during the application process that I had actually received the lower-tiered version. ( Unfortunately, I do n't have a screenshot of this process, however, I do not recall there being any verbiage indicating that I had not been approved for the XXXX Signature -- it must have just said I was approved for the Platinum Plus, which at the time I did n't realize was  different. ) It was also not clear that there were such different benefits between the two options. Furthermore, I was not given the option to state whether I was in fact interested in this lower-option ( which I was n't ) : once I applied and was approved for the lower version, I did not have the option to decline. So, essentially, I applied thinking I was going to get one card, was apparently not approved for it, and was automatically given a different card which I would never have applied for in the first place. It is also unclear to me why I was n't approved for the better option. I have a pretty good credit score ( XXXX ), and have other lines of credit that are in good standing. I tried calling Bank of America, and they were not able to provide me with answers. They only told me that I could reapply, but that I would n't get the additional bonus miles. I declined, and closed my account. I 'm sure Bank of America has covered its behind by putting all of this in the legalese of fine print, but honestly I consider myself a fairly savvy customer and I was still duped. I do n't think that, even if it says so in the fine print, you should be able to apply for one credit card and end up with another, with very different terms and benefits. ( Especially given that even applying for a credit card can negatively impact one 's credit score. Now I 've been hurt for getting a credit card I never wanted in the first place. )

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 2022-01-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries should not be on my consumer reports. 

XXXX XXXX ExperianXXXX XXXXXXXX XXXX need to be removed. 

XXXX XXXX ExperianXXXX XXXX XXXX need to be removed.

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 2022-01-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries should not be on my consumer reports. 

Equifax & XXXX XXXX Bank need to be removed. 

XXXX XXXX XXXX XXXX XXXX need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: OK
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account Account Number : XXXX Please remove it from my credit report. 

9. Validate Account Account Number : XXXX Please remove it from my credit report. 

10. Validate Account Account Number : XXXX Please remove it from my credit report. 

11. Validate Account Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: PNC Bank N.A.
State: DE
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:
2 weeks ago I applied for a XXXX XXXX XXXX XXXX XXXX Card and was approved for it. The advertised rates were 13.99 % to 23.99 % based on credit worthiness. Given that my most recent fico score at the time of application was over XXXX ( around XXXX or so according to the data obtained by PNC from XXXX and sent to me in a letter to my home address ), my debt to income ratio is about 26 %, my credit card payment history was rated excellent, ( according to the most recent free credit report that I received ) I expected that the purchase APR on the card would be a lot closer to 13.99 %, say 15.99 %. Instead, the confirmation page of approval indicated that I would be granted an APR of 17.99 %, which I thought was pretty high. Upon activating the credit card however and finding it in my online banking portal today X/XX/17, I  saw that the purchase APR is actually 19.99 %. I called PNC 's customer 's service number at XXXX and its underwriting team at XXXX a few times to get quantifiable metrics about how this APR was arrived at and no one gave me an adequate response. I was bounced back from customer service to sales back to underwriting team who told me they had nothing to do with the APRs, which I thought was surprising. I do n't want to cry unfair credit card practices, but there 's something misleading in the advertised rates if a customer with my profile can not get close to 13.99 %, but instead I 'm offered a rate far above the median of this range.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: ERC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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:
I sent out an FTC report on XX/XX/XXXX XXXX to Experian, XXXX, and XXXX to remove inaccurate/ false inquiries. XXXX is working to remove the inquiries. However, Experian and XXXX has yet to address my problem. Furthermore, it has been over 30 days for each of the three credit bureaus to respond.

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 2022-05-03
Company: Albert Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/2022, Albert took XXXX dollars out of my savings account. I never authorized them to take money out of my savings account. I have authorized payments to come out of my checking account only. I have no idea how they even got my savings account information. I have contacted support but their customer support is non existent. I will also be filing a complaint against the company I have the checking account through.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello My Name is XXXX XXXX, I bought a used car XXXX XXXX on XX/XX/XXXX from a XXXX dealer called XXXX XXXX XXXX, address : XXXX XXXX XXXX, XXXX, IL XXXX. 

I checked the car ( XXXX XXXX ) outside the dealer and it had lot of issues and tried to return it by the first month but the dealer convinced me that they will do a huge discount on it, thats why my loan started after 6 months since I bought it as compliment from the dealer to me, but later on I was behind for one time and the car was broken, I fixed it and paid more money so I was late gain in my payment one more time but not consecutive, I went back to their web site as I used to pay the payment that I missed I could n't find the car account on the website, I called them they said they want to take the car because they are doubting my ability to pay and they will put it into auction. I called them again and again to take the money for it and every time they say ok we will tell you how much exactly since we don ; t have the full payment on it because other dep. involved in it since I 'm paying for another one from the same dealer and have no issues with it. 

later on I was out using it and I could n't find it, they towed it without my notice at a private area XXXX in XXXX XXXX, and moved it to the auction without my consent and sold it for pennies, I was owing XXXX on it since the dealer scammed me and did n't lower the price a penny, now I do n't know how after they sold it without even calling me or send me any mail or email I still owe them $ XXXX. 

I found them made a charges on my credit file while they did n't contact me by any mean, I have been trying to call the creditor that on my credit report file but they have a wrong phone number for a summer camping resort! I called the dealer that this is wrong and I 'm welling to delete it and pay installments but unfortunately every time I call the dealer they transfer me and they hang up on me. 

creditor data as on my credit file from credit wise ( screen shot ) to prove is attached by wrong number

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Navient Solutions, LLC.
State: MA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Navient has deemed a debt marked as  Default. R eopene d the Defaulted Loan and changed to Deliquent. There are no payments or any authorization for this this. The company  will not forward me any documentation in terms of payments and how much money was allocated towards these payments from before the loan became defaulted. Incorrect billing and lack of information from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation