BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-08
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: Old information reappears or never goes away

Complaint:
XXXX has been on my XXXX credit report since X/2007. I am asking XXXX to remove the account as it is to old to be reporting on my credit report.I have no payment history as I have never paid on this account. This account is approximately 10 years old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On  XXXX / XXXX  /2017 I n oticed that I pay my card late. I went online and noticed also the late fee of {$27.00} put on already. I call the bank and the agent told me if you pay {$75.00} today that will be for  XXXX  and  XXXX  bill and we will take off the late fee too. I go online to see my payment for this month and I still seeing I have to pay {$75.00} plus the late fee still is there. I call and the agent said we will refund the {$75.00} back and then you pay it back to use to clear the {$75.00} payment but the late fee will remain. So they want to pay {$75.00} plus the late fee. Which I was told pay on  XXXX / XXXX /   2017 pay  {$75.00} and when you do we will take off the late fee. So that late fee is suppose to be in  XXXX  bill not  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 monetary relief
Consumer complaint received 2017-01-05
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For the last 3 months or so, I have been receiving calls on my home phone ( never leaving a message ). In XX/XX/XXXX, I received and answered XXXX of the calls. I was spoken to by a female who repeatedly asked my name, while not replying to my questions of why they were calling. After I heard XXXX of the questions was for an address that my adult son had lived at, I explained that I was not the person that they were looking for, and had never lived at that address. She then asked if I lived at the address of my house, to which I replied " Of course I live at the house that I own '', and asked her how she got my number. She stated that her collection company represents someone that is owned debt. I informed her that someone there needs to learn some simple investigative skills, and realize that they are calling the wrong person! The calls stopped for about 5 days or so, then started again. They call XXXX to XXXX times a day at varying times. Today on XX/XX/XXXX, I received a third call for the day ( once in a.m., XXXX, XXXX ), and I answered. I did n't hear anyone, so I stated " Welcome to XX/XX/XXXX, how may I help you? ". After no answer, I advised that I would be seeking legal action against them if the continue to call me, knowing that I am not the person that they are looking for! At XXXX, I called the number listed on the caller id ( XXXX ), and spoke with a man, too whom I gave my name and phone number to. I also informed him, that the companies undue harassment will not be tolerated, and that if it does not stop, I will seek to sue them. I explained that, I have lived at my address since XXXX, and obviously I could n't be the person that they are looking for as previously explained in a prior phone call ( since each time speaking, both repeated that the call was being recorded )! I also informed them that, as a retired XXXX XXXX XXXX, I have nothing but time, so they need to stop their unlawful action now! He just said that he understood. Somehow I doubt that they do understand, if all calls are recorded and not once does someone listen to them, or use any investigative, or deductive thought!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/2022, I disputed an account reported by XXXX XXXX XXXX in the file you maintain under my Social Security number for the. first time. I was informed on XX/XX/2022 that the item was deleted from my credit report. Now I have discovered that the item has been inserted on my credit report on XX/XX/2022 for the second time after it was removed yet again on XX/XX/2022. Then it was removed on XX/XX/XXXX and was recently inserted back on XXXX XXXX. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

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 2017-05-08
Company: Roquemore Holdings LLC
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This compan y Roquemore has been harassing about a debt my son owe to the credit union for a car loan, I have told them that he do not live here they constantly keep calling, asking for him saying I 'm hiding him, I have block them and still they call from another number saying I see you blocked me, then they have called several family members, and they called his job telling them all his business that they looking for a car he has n't paid for, tell other people he moved out of town, then the lady got hostile with me, i have her on tape, and I told her that I was taping her and that I was going call the federal debt collecting and tell that they are harassing me, they said that they are not debt collectors, they were  XXXX  that the credit union   XXXX   XXXX  , had a insurance policy on my so n loan, that if he did n't pay, then  XXXX  would paid off the loan, and that 's why she was calling because now the car belongs to them because she said they paid off the credit union, and I also have that on tape, they were ca lling 3-4 times a d ay ever since early  XXXX , because before then I did n't answer, so I would like to sue them for the maximum amount if I can

Company response to consumer: Untimely response
Consumer complaint received 2016-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My wife and travel frequently for business. We have banked with Bank of America for years. 
We typically use our main account debit card to get cash in local currency at an airport ATM when travelling internationally. This worked for my wife on XXXX/XXXX/2016, for instance, in XXXX. At the XXXX my wife was unable to get cash using her card through an ATM in XXXX. When I went to our local bank branch and spoke with the manager, I was told that BoA now requires posting a prior travel notice online in order for international ATM transactions not to lock a debit card. She said that if such a notice was posted, the card would work unless there were other " suspicious security factors. '' On XXXX/XXXX/2016 I posted such a travel notice on the online banking BoA site for my debit card and received an email receipt. On the morning of XXXX when I tried to use my card to get XXXX from an ATM in XXXX airport as per my travel advisory, my card was locked. I spent over 40 minutes in the airport trying to get through and finally was told by an automated system that the office would not open until Monday. I was finally able to get XXXX on XXXX. 
When I returned to XXXX, I went to my local BoA branch and made an appointment to speak with the same manager that I had spoken with before. Her assistant confirmed that the card had been blocked, that there was a valid travel notice, and could not cite any other security issues. When I returned, the manager was unavailable and did not call me back. Her assistant promised that I would receive an explanation of my card blockage by Monday, XXXX, but I have not been contacted. 
I find this both extremely frustrating and dangerous. My BoA branch can not explain why the card was locked. My online alerts document that I posted a travel notice but mention no security issues. The process of trying to get a card reactivated involves yelling personal financial information into a cell phone in a crowded and noisy airport. And since work has required my wife and I to travel over the past few years to XXXX, XXXX, XXXX, XXXX, and XXXX, I do not approve of any " security '' scheme that prolongs a traveler 's time in an airport or other public transport hub.

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 2017-05-08
Company: ARS National Services, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on  XXXX   XXXX ,  2014  I purchased furniture from  XXXX    XXXX   store #  XXXX . I if you paid it off in  one ye ar there would be no interest charged. They also automatically send you a credit card. The store and the credit card are separate. was not known at the time. I took my first payment into the store the day it was due. The clerk took my cash, which was {$140.00}. she gave me a receipt and I left. The next day  XXXX    XXXX   started calling me about my payment. that it was late and I would not qualify for the no interest agreement. I told them I paid in the store and I had a receipt. this was when I found out they were separate . S Th ey told me to call the credit people tell them what happened, they would refund the money then I could send it in to them. And there would be no problem, because it was the clerks fault not mine. So I did they sent me my money back, because i had never used the credit card. and never did. they took away the no interest because they said the payment was late. now years later a collection company is trying to collect {$140.00} plus interest. Now {$400.00} plus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have contacted Transunion about a fraudulent dismissed bankruptcy on my credit report. They are the sole reporter of it and when I contacted the origination court they do not have a record of it. I never filed for bankruptcy, I have no history of bankruptcy and transunion will not verify this outside of the flawed  XXXX  system that spits it onto the page as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was approved for a {$300.00} cl with Capitol One in XXXX 2015. In XXXX after spending {$100.00} an abusive ex stole my wallet and charged my Credit {$65.00}. I called Capitol One and explained the situation. They said because my Card and Wallet had been returned i was responsible for it. I also complained to the rep that my {$300.00} credit was actually only {$190.00} but my bill was {$350.00}! {$150.00} of it was yearly fees, membership fees and late fees! I explained a few times i was late because of the theft and I had been hospitalized several times from XXXX for XXXX in XXXX. I explained a few times when calling representatives my dilemmas in paying late and that the whole reason i even got the card was to build my credit not make it worse. So in XXXX the representative said they would enter into a hardship payment plan contract with me. When i got the contract in the mail i could not log into my account because they turned me into collections THE DAY BEFORE I just received the paper work! So now this is on my credit report which took me from a XXXX to {$490.00} for that XXXX little fraudulent collection! I opened the card XXXX 2015, on my credit report it says i was late 6 months then says XXXX and XXXX was ok but was late XXXX and closed XXXX.Thats only 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: Navient Solutions, LLC.
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Dear Sir or Madam, I had Federal student loans with XXXX XXXX that were transferred to Navient in XXXX. I attended XXXX and XXXX school, completing my education in XXXX XXXX. Upon graduation, I consolidated my loans with XXXX XXXX. I recall having an APR of 1.9 percent upon my consolidation. I noticed that a XXXX statement from XXXX XXXX has 2.6 percent. 

Recently, in just the past month or so, I have received an email from Navient stating they have accepted my deferment request. I emailed their help center and told them this is an error, or someone trying to hack into my account, since I DID NOT request a deferment. They sent an automated email back saying they are sorry I am having financial difficulty and options under such circumstances. They could n't even bother to have a human read my complaint/error report. Additionally, my APR is now 2.85 percent. I consolidated my loans at a fixed APR for the life of the loans. 

Navient has no after hours helpline, and since I am in Hawaii and they are on the east coast it is very difficult to find time to call them during the work day. I will obviously make effort to call this coming Tuesday morning first thing since I am extremely frustrated and feel cheated. 

I feel something criminal is happening and all Navient can do is send automated replies after 8 days of my written error report. I have had much better luck with email inquiries with companies such as XXXX, XXXX, and others. Naivent seems very shady and I am going to look into an alternative company to house my student loans. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Called on  XXXX / XXXX /  XXXX   at approximately  XXXX   XXXX   PDT, and spoke to   XXXX  " on   XXXX   XXXX   XXXX   ''. He refused to submit a dispute regarding my address, which is listed incorrectly with Experian. He explained that even though there is  XXXX  creditor reporting my address incorrectly, Experian would not allow me to submit a dispute to correct my credit record.     Now this is a problem as I have a credit freeze tied to my account and an incorrect address will make it near impossible to update. The incorrect address is due to a divorce and my ex-wife 's address being incorrectly reported as my current address.

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 2017-05-08
Company: CITIBANK, N.A.
State: NJ
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 rewards from credit card

Complaint:
I ha d two Citi  credit cards. They both came with bonus points. After about one year, I cancelled  one  of the cards. Last weekend, I noticed that app rox 72,000 poin ts were deducted. When I call ed Citi, I was told   that when I cancelled, I was told I had 60 days to use those points or they would be forfeited. The representative told me that she would contact me after retrieving the phone call to cancel the card to make sure I was warned.     She called back to tell me they had no record of the cancellation but that they sent me an email with the information. I can not retrieve emails that old but have no recollection of this. Much worse is that the account has an {$87.00} credit balance. Think about this - they ran to take the points away but seem to be fine with holding on to my money. If they had any integrity, and if they truly had warned me, they would have sent me additional emails over those 60 days, certainly by day  55, to  " remind '' me that I was in danger of losing those points. I am very savvy about these things and have been very successful with points - this is totally inconsistent with my history. There is no doubt that their anxiousness to take my points while keeping my money speaks volumes. I want those points reinstated so they can be redeemed. If they had refunded my credit when I closed the account, they might have an excuse. Here they do not.

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 2016-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have reported fraudulent activity on my account. Initially it was taken care of by Capital One. A month later they called me back to let me know that it does not qualify as fraud since I had the credit card within my possession at all times. This is a dispute with XXXX and some game. racket up charges around {$2500.00} ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Worldwide Processing Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A COMPANY CALLED XXXX also known as worldwide processing group have been calling me and making threats to contact my family members, job, neighbors about a debt that I dont owe and demanding that I call them back the calls are frequent and odd times with various verbal threats such as we will make sure we contact all your acquantances. they use various phone numbers XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company agreed to delete the account but keeps sending me letters requesting payment

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 2017-05-08
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my online report recently and discovered that there is a  Professional Adjustmen  XXXX  collection that is incorrectly being reported to my credit. It seems they are asking for {$1300.00} and the account number is "  XXXX  ''. I did not receive any notice with a right to dispute before this was reported to my credit. This is concerning because I do not know who this company is or why they want me to pay them such a large sum of money. I 've done some research online and this company has been involved in several scam stories for many consumers. Considering their history, I am not about to reach out to this suspicious company when I do n't even know what this debt is for. They need to explain who they are and why they want me to pay them {$1300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Grain Technology, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Grain XXXX has blocked account access to customers unless they upload a copy of their social security card. I am not applying for additional credit. I simply want to view my account balance and make payments. I should not have to be required to upload documents containing sensitive information to do so, nor did I have to when approved for credit. This comes off as very scammy to me. Theres no need for a credit card company to keep copies of my social security card for personal use.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Transunion is incorrectly reporting an "  XXXX   XXXX  '' account on my credit report.     According to my credit, it was opened in  XXXX   XXXX  for a debt of {$1100.00}.     I have never had any business dealings with this collection company. I do n't know who they are or why Transunion is reporting a debt with them on my credit report.     This is not the first time I have disputed this account, I have sent written disputes to Transunion on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  to get this removed but time after time, Transunion has dismissed my disputes as frivolous and they refuse to remove this from my credit.     I want to add that Transunion is the only credit bureau who is reporting this to my credit.   XXXX   and  XXXX  have no record of this account. This does not make sense. How can Transunion verify that this account is mine but  XXXX  and  XXXX  can not? Would n't it also be reporting on my other reports if this was actually mine?     I am taking my complaint to the Consumer Financial Protection Bureau because Transunion 's blatant disregard of the law is unacceptable.

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