BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-15
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I borrowed a loan from XXXX XXXX ( now Navient ) in 2008 for {$12000.00}. XXXX. When I signed the promissory note I was not given any information about my loan payments or additional charges I would receive. I have asked Navient several times to give me copies of my loan details and I have finally found the statement I received on X/XX/2008. The payment schedule and disclosure statement states that I borrowed {$12000.00} at a 10.605 % interest rate and was given a finance charge of {$29000.00}. It states that after I have made all of the payments I will have paid {$41000.00}. How is this fair?! This means that by the time I am finished making these scheduled payments, I will have paid back 3.5 times what I borrowed. If I had known this, I would have never agreed to this loan. I am working and have not been late on any payments but it is not right to be charged this much money. I have another loan with Navient where I borrowed {$12000.00} and was given a finance charge of about {$6000.00}. I do not understand how XXXX XXXX/Navient can get away with this. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Cash advance

Complaint:
Hello, when I tried to go to XXXX XXXX thru their drive thru to ATM Machine to withdraw money by using my credit card Capital One cash advance for XXXX dollars in XXXX dollar bills but instead received {$15.00} in singles. A XXXX employee witnessed the transaction. They then called Capital One fraud department to report the transaction and they said they well reverse the transaction and only charge me {$15.00}, but then when I got the Capital One statement of bills, it is not showing the reversed transaction and still got charged of {$300.00} with {$3.00} transaction fee. I am also a XXXX customer with checking account. XXXX XXXXshould also be held responsible since the ATM machine is giving out wrong amount of money. I have been following this incident several times to both Banks, but until now it is not resolved. This happened on XX/XX/2015. If this could be resolved it would be greatly appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

On XX/XX/2022 a XXXX XXXX Credit Card account was opened under my name without my knowledge or consent and a {$500.00} dollar credit card was used and left a {$740.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
In XXXX of 2021, I disputed 4 marks on my credit including a XXXX old bankruptcy that should not still be showing. I never received any news on the investigation- nothing except the standard email saying the dispute was received. It was never investigated. 
I disputed the marks again on XX/XX/XXXX and as of yet have not heard anything. 

Not to mention the difficulty making the disputes due to their sketchy website.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Credit determination

Complaint:
I, XXXX XXXX, residing at XXXX XXXX # XXXX, XXXX, New York XXXX hereby states on record with the Consumer Financial Protection Bureau that Capital One is currently reporting a charge off on an account that Capital One accepted a numbers of payments on as a negotiated settlement. However, since this account has been basically been satisfied through a third party, they are still in violation of the Fair Credit Reporting Act by maintaining a charge off balance. The account should show a XXXX balance with a rating as PAID SETTLED as stipulated through the negotiations agreement on all pertinent credit reporting agencies, XXXX, XXXX and XXXX XXXX respectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-07
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
While checking my credit report, I saw a debt from Ad Astra Recovery Services collection agency. I then submitted the documents showing identity theft and the company took one of the debts off but left the other debt. I have called numerous times and has been told that the debt was removed, but when I check my credit report for XXXX and XXXX the debt is still there. I would like to have the information removed because it is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: Castle and Cookie Mortgage LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased my home in XX/XX/XXXX. I recently received my XX/XX/XXXX Annual Escrow Account Disclosure Statement from my loan provider Castle & Cooke Mortgage. My current mortgage monthly payment is {$1400.00}. Upon reviewing the statement, I realized my new mortgage payment increased to {$2500.00}. I called Castle & Cooke for an explanation. The representative explained ... ..they did n't pay your XX/XX/XXXX taxes. She kept referring to they when assigning blame. When I asked who is they, she did n't answer me. I asked again and then she said the service provider. Then I asked ... ..are n't you the service provider? She finally admitted it Castle & Cooke failed to properly collect the funds for escrow. She did not provide means or options to resolve the issue. I had to ask for my options at resolving this issue. I am concerned because this is a problem generated by Castle & Cook, a problem, I believe they intentionally perpetrate. The representative stated this is a common occurrence. The representative stated I had up to 36 months to pay for the shortage of escrow funds. I asked if there would be a fee incurred and she stated no. I am leery of her statement but plan on proceeding with this option. Once I find out exactly how this works, I may submit another complaint or add to this one. During my research of Castle & Cooke, I found your organization has taken action against them for steering consumers to costlier mortgages. I feel I am being exploited and being taken advantage. I venture to say there are many consumers in similar situations who have not voiced their concerns.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Hello Comenity, You guys are killing my Credit Score. I have been a XXXX customer since 2015. I recently requested a Credit Line increase, to which the system advised a letter would be sent within 7-10 days. We all know that means denied! 
I had no idea, you 'd be running a hard inquiry on my XXXX report that will of course stay there for 2 years. 
So, in regards to this limit increase reqiest First you place a hard inquiry on my report, since I requested a limit increase and then send me a letter via the account management center telling me that you can not contact me in regards to information in my credit report. That 's vague and foolish. 
Then, I just called your CS in regards to this letter and then, the agent tells me the same thing and says she will submit another request ... .without telling me that it will be another hard pull on my XXXX report. ARGHHHHHHHHH! 
Yes, I subscribe to the CRAs for up to date information on my report, whenever any changes are made, it will alert me right away! 

I need you guys to remove the hard inquiries on my report asap. Or provide me with the Credit Line increase. Here I am with an annual income of over $ XXXX a year and all you can dole out to me for XXXX is {$1000.00}. 
Not to mention, I have many other open and actively paid account -on time with Comenity and you treat me like this! I think it may be time for us to separate. 
... XXXX hard inquiries in the same time frame for the same thing, is uncalled for and very unprofessional. 
I am not going to live for 2 years with hard inquiries on my report, a credit score that is dropped for no reason and and your company does n't know why you can not contact me when my contact information has been the same since opening the account. Hello! 


-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On my Experian credit report, it shows that under XXXX XXXX XXXX that I am deceased. Of course I am not, and no other credit card or report shows that I am deceased. Also, when I contacted Experian to dispute this, they said they resolved it but they did not. They changed the XXXX XXXX XXXX to CO in XX/XX/XXXX. This is incorrect. This was charged off in XX/XX/XXXX. Also, they still show that I am dead, which is effecting my ability to get credit. I need this fixed asap.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

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 2017-02-01
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Credit card
Issue: Billing disputes

Complaint:
On XX/XX/XXXX, I tried to make reservations for a round trip from XXXX to XXXX utilizing my XXXX XXXX XXXX for a buy one full fare and get the second fare for half off. I was unsure of how to make the reservations so I called the XXXX customer service phone line. The custom service agent said to just to onto the XXXX website to make the reservations. After logging on the the XXXX website I made the reservations and paid but did not see any where on the webpage to get the discounted fare. I was charged for two full fares of {$690.00} each for a total of {$1300.00}. Upon realizing I was charged for two full fares instead of one half off, I immediately called back the XXXX customer service phone line again and this time the customer service agent told me that I had to make the reservations on my XXXX account. Due to the first XXXX customer service agent 's misinformation and being overcharged, I was told they would refund me the original two fares of {$1300.00}. I then logged onto my XXXX account and made the same reservations and this time I was charged correctly for one full fare and one half fare of {$690.00} and {$360.00} for a total of {$1000.00}. When I received my XXXX statement for billing period XX/XX/XXXX-XX/XX/XXXX, I was charged for 4 full fares of {$690.00} each and only credited for 2 full fares of {$690.00} each. I should have received credit for 2 full fares of {$690.00} each and half a fare of {$320.00}. I have written many letters to the XXXX and XXXX Customer Service Offices. XXXX did issue me a temporary credit of {$320.00} which would have taken care of the problem but then they reversed the credit stating the merchant already issued me a credit. I did not receive any credit from XXXX nor does any of my statements from XXXX show any extra credits. I am still waiting for a resolution to my problem. Also, I asked on many occasions that my credit card be cancelled and it has not been done yet and I was charged {$89.00} for the yearly fee.

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 2016-02-19
Company: CCS Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I called XXXX XXXX XXXX XXXX, XXXX XXXX, Insurance representative, XXXX for an insurance quote. He said lets see if the cost of the policy goes down if you insure a vehicle with us and put auto insurance in the system. The insurance I was getting a quote for was my employer. The vehicle XXXX XXXX put in the system was already insured and belong to the business. I was not looking for auto insurance. XXXX did not go with this quote and forgot to cancle the make believe auto policy. I called him and his manager and asked them to stop sending policy payment request. They both said they would handle it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: Law Offices of Timothy E. Baxter & Associates, P.C.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I was garnisheed by Timothy E. Baxter & Associates for a balance of {$150.00} and I never received a notice that I was being garnisheed until after the money was taken from my savings account with my credit union when they sent me the notice. I never even knew this debt still existed until I was garnisheed by Timothy E. Baxter & Associates. The notice that they sent to my credit union was supposed to be received by me within 7 days of filing and I did n't receive the notice until today which is XXXX XXXX, 2016. I never received any communication about this debt until I was garnisheed i.e. the only communication I received was from my credit union after I was garnisheed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: STERLING JEWELERS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an account with Kay Jewelers the # that 's beside the company name on my credit report is XXXX. I paid them off XXXX XXXX, 2016. I was late one time due to illness for a couple of weeks. I called and explained that to them. I keep seeing that I have a balance of {$250.00}. When I called them they said I had to notify you all in order to take it off, which was 60 days after I paid my account off. Thank You so much I appreciate your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below:

30 days past due as of XX/XX/2017

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently went over my credit report, and I noticed that there is a payment that is being reported as unknown from XX/XX/2021. This is not reporting as paid on time nor is it saying it is late which can be misleading to anyone who obtains a copy of my report. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I asked Navy Federal Credit Union to re-imburse me months ago for a few transactions and they never did in these specific amounts. And I was not given a form to fill out. I had to call and file fraud. Now they are saying they could n't refund me the money. 

But now they say that they were supposed to add back $ XXXX to my credit card which now they have n't done. HELP!?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Receivables Management Partners, LLC
State: PA
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Hello, my name is XXXX XXXX. I have had an account with Citibank for years and it is a shared account with my mother, XXXX XXXX, and sister, XXXX XXXX. My sister went on XXXX to look for a job but got scammed in the process. This happened in the month of XXXX. XXXX and I have a shared account and because of this, my funds of a little over {$4500.00} disappeared down to {$0.00}. XXXX called Citibank to let them know she was scammed and the things she has to do to get back my funds. Citibank told her if she filed a police report they WILL refund her the money. On XX/XX/2021, XXXX went to file a police report. In XXXX, everything was confirmed and the police report was completed. In XXXX, my mother XXXX XXXX went to pick up the Police document and went to Citibank to finalize the situation. When this happened, she was told it was too late. Citibank never told us there was a deadline to anything nor made us aware of one! Citibank also stated she would have to close all the accounts, and neither of us can no longer do business with Citibank. We got scammed twice once from the scam XXXX and another from Citibank. I also called Citibank during the entire month of XXXX and none, I mean no one, could tell me what had happened to my money. I felt like I was going insane.

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 2021-06-21
Company: Phoenix Financial Services LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
phoenix financial svcs paid debt collector XX/XX/21 XXXX still receiving phone calls spoke with spvr requests stop calling on XX/XX/21 as well received call XX/XX/21 for the same debt.

Company response to consumer: Closed with explanation