BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-01
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a barclays credit card it was charged off I paid it in a settlement it was sent from credit store to XXXX XXXX to XXXX XXXX and when I spoke to XXXX XXXX they said the account is paid for {$800.00} and they dont know why Im being reported so I called XXXX back and they claim that they have no access to my account to call XXXX XXXX  back. Im getting a run around, they reported my to XXXX  and they took off 14 points off my score on an account that was already satisfied. I want my score restored to XXXX and for the to erase themselves off my credit report due to fraud and negligence. BTW I never got notification of this debt cause it was already paid.

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 2017-10-09
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Please reopen my complaint XXXX as the XXXX 's response to that complaint in unsatisfactory. It is impossible for my monthly payment amount to increase when the principle is declining, the interest rate is fixed and there were no missed payments. I am certain that XXXX lacks the controls to apply my payments incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have that much information because it is at the beginning stage. I received a call from XXXX XXXX XXXX. Stating that i had an unpaid credit card from XXXX XXXX Bank, and now it is in the collections stage. They said it was opened in XXXX on XXXX XXXX. This was the only information i received from them. After stating i was not going to confirm or deny any of my personal information over the phone they stated they would remove my number from the account. After I got off the phone i contacted the bank directly. I had them look up any information associate with my name and they could not find any such information. This company had my social information, but incorrect birth date and incorrect address. I looked at my credit report and no such charge was stated or occurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Court order dated XX/XX/22 Case # XXXX XXXX motion for authority to redeem personal property in the amount of {$21.00}, XXXX for auto loan account # XXXX, Capital one auto fiance has blocked my and the new lenders access to view the account on its official website and confirmation of payoff over the phone as per the court order. to cause me further harm as the court specifies performance within 30 day of the order. 

*Amended on XX/XX/22 order on motion for authority to redeem personal property auto loan account # XXXX in the amount of {$21.00}, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Emails dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX have been sent to XXXX. Submission of each email has generated 3 separate acknowledgement emails advising that XXXX received my emails and would respond shortly. To date, NO RESPONSE HAS BEEN RECEIVED for ANY of these emails! Multiple calls have been placed to XXXX to follow up. Each time I have been instructed to submit another email. My loan to value has dropped below 80 % and therefore my PMI can be cancelled. Each of these requests to have the PMI cancelled has been ignored! Customer service for this company might as well not exist! There is no service!

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 2022-09-30
Company: Exeter Finance Corp.
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:
Exeter Finance LLC falsely reporting my name as an inquiry that I do not acknowledge neither consented to anything with them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Citi bank keeps calling even thou I send a cease and deist letter to them.

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 2017-10-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
made a cash advance on XX/XX/XXXX for XXXX. made a branch payment on XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. purchases have an interest rate of 15 per cent and cash advance has an interest rate of 25 per  cent. the card is wells fargo. according to the credit card act of XX/XX/2009 all payments above the minimum payment are to be credited to the higher interest rate first. my minimum payment for my statement closing date of XX/XX/XXXX is XXXX. so the other XXXX should have been applied to the higher interest rate cash advance. it was not applied. i called wells fargo on XX/XX/XXXX and was referred to a supervisor named XXXX. he referred me to customer care a person named XXXX talked with me. he claimed first that the law had changed so i XXXX the change but found no evidence. so XXXX claims that i have the wrong understanding of the law. that is what prompted me to contact the consumer financial protection bureau.

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 2017-10-09
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX and i have filed a dispute in accordance to Section XXXX of the Fair Credit Reporting Act allows the credit reporting agencies 30 days to complete their investigation from the date on which they received the notice if not process within or notice to given requesting extension the derogatory info must be removed. However I have several disputes that are 45 days old and no answer.

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 2020-10-05
Company: HW Holding, Inc
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I already asked this company to show cause or to remove themselves from my credit report. The agent on phone threatened my fiancee into almost paying a debt that I am not sure we owe. They will not answer questions or show proof that I owe debt.the agent told my fiancee that she would never be able to rent or get a vehicle while this is on the credit report.shady

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj SSN:XXXX To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Name XXXX XXXX XXXX XXXX XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Experian Information Solutions Inc.
State: IL
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:
Experian keeps adding back fraudulent accounts that where removed after disputed and investigated. I request permanently removal of XXXX and XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: SYNCHRONY FINANCIAL
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The account was opened XXXX XXXX with XXXX XXXX connect by my then fiance without my knowing and i had no clue that the account was opened until after we were divorced in XXXX XXXX and i found out after the dissolution was made. The file was sold to XXXX XXXX XXXX and i never received notice that it was in debt of {$720.00} and now being sued

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 2022-08-03
Company: HOME BANCSHARES, INC.
State: AR
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:
On XX/XX/XXXX my balance at Cenntinial Bank based out of XXXX, AR was listed as - {$780.00}. 

7 NSF charges were listed ( see attached files ) One of which was {$1100.00}, which far exceeds {$780.00}. This charge had been processed 3 times by Centennial Bank even though it was issued once on XX/XX/XXXX to a XXXX credit card. According to XXXX transactions, the sent it once and charged me a returned check fee. ( Also attached ). The amounts of the other 6 NSF charges were : {$0.00} {$0.00} {$10.00} {$90.00} {$220.00} {$300.00} This is the very definition of debt resequencing. If XXXX bank would have paid the 6 smallest charges, they would have only made {$35.00} off me. Instead they made {$240.00}. This is only the most recent offense since they processed the payment 2 other times.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I currently have a Citibank credit card. I had the usual no interest for the first year. I unfortunately didnt pay it off prior to the year end. That was XXXX. I am still getting charged XXXX dollars a month, or more, on purchases made prior to XXXX. This is going on nearly 4 years. They also charge me another XXXX dollars per month for regular purchases. At the most, I expected a year of paying the price for not paying off my debt from XXXX. This makes it almost impossible to keep the limit down.

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 2018-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
1. Never authorized credit report usage 2. Don't recognized 3. Not associated with an open authorized account Inquiry details XXXX XXXX from XX/XX/2018 2018

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 2017-10-09
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I applied at the university of XXXX and decided that with schedule and time constraints I would n't be able to finish the semester. I had a balance on my account. They reported it as a loan. I have never had a loan nor have I ever signed loan documentation with this establishment. They went as far as to fictitiously set up a payment amount that I have been missing and place that I 'm my credit report. Is this legal? I called and spoke with XXXX XXXX and she said that this is just their billing practice and she would not remove it from my credit report. I said but this is a lie, I do not have a loan with you ''. She then spoke with her supervisor XXXX XXXX and she said the same thing. Even though you do n't have a loan with us we report it like this to the credit bureau 's and the payment amount is 10 % of what you owe us, even though you did n't agree to this this is our practice. I was then referred to their billing company Heartland, I paid the balance in full. I just want the inaccurate information removed from my credit report and hopefully their billing practice changed. This should be illegal for them to report in such a manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have two loans through Navient ; the direct parent plus and the parent plus loan. The interest rates on each loan are 7.9 % and 8.5 %. THIS IS ASTRONOMICAL. I, as the student, and the payer of these loans have called multiple times trying to figure out a way to reduce the interest amount, which I will say again, IS ASTRONOMICAL, to no avail. I apparently ca n't do anything on this loan since my mom is the cosigner. So, my mom has also called many times trying to figure out a way to reduce the interest rate ... yet again to no avail. The loans entered repayment in 2008. These are 2 of 10 loans that I have. I pay over 1000 $ a  month in student loan payments. I have a career as a nurse and have to live paycheck to paycheck because I am so shackled by payments, with insane interest rates, such as these. Both my mother and I have been told " interest rates are set by congress '', which is why this ca n't be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-01-31
Company: EQUIFAX, 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:
Equifax, XXXX and XXXX are reporting items on my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
Second time this matter has been brought up with the cfpb. American Express offered an interest free business account for 9 months. Shortly thereafter, I began receiving interest fees on the account. I filed a complaint and the fees were refunded. 
I skimmed through my statements the last three months and noticed that interest fees were once again assessed. I reached out to American Express and chatted with employee named XXXX ( ID XXXX ). He mentioned that my payment was late and for that reason interest was charged. I explained to XXXX that my payment could not have been late as the account was set up for automatic payment. XXXX explained that since the auto payment had been cancelled by a previous representative ( without my request ) that a new auto payment needed to be set up. I requested that he refund the interest fee and he proceeded by refusing the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Please see attached credit card statement that was paid in full XXXX. Amount due was XXXX and XXXX paid was XXXX. Today, I received another bill for interest for XXXX. When speaking to XXXX at Capital One, who refused to give me his last name, after quoting me rate and terms, he said the charges are for interest from XXXX XXXX. So basically, if they can continue to charge you interest on interest, basically, you can never then fully pay the account in full. 

I asked them if they were regulated under the CFPB and they also would not answer my question. They have refused to reverse the charge and now transferred me to XXXX XXXX. 

Is it legal to charge interest on interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: ALLY FINANCIAL INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had submitted a complaint about Ally Financial with your company back in XXXX and was sent notification that the late payment from XX/XX/XXXX was removed from my credit report in XXXX. Upon pulling my credit report XXXX is showing that I have XXXX accounts with Ally ; one with the late payment removed and current, the other still showing a late payment and with no record of payments after XXXX. I submitted a dispute with XXXX  over a month ago to remove the duplicate out of date account and still no word. But since I did that dispute my account with Ally changed again on my XXXX report, showing a late payment from XX/XX/XXXX and is out of date also because it does not show any of the current payments I have made since XXXX. The problem with XXXX is that it does not even have the duplicate accurate account that XXXX has. When I pulled my credit in XXXX my XXXX was accurate then changed 2 weeks later.

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 2017-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had submitted a complaint about XXXX XXXX with your company back in XXXX and was sent notification that the late payment from XXXX XXXX was removed from my credit report in XXXX. Upon pulling my credit report XXXX is showing that I have two accounts with XXXX ; one with the late payment removed and current, the other still showing a late payment and with no record of payments after XXXX. I submitted a dispute with XXXX over a month ago to remove the duplicate out of date account and still no word. But since I did that dispute my account with XXXX changed again on my Transunion report, showing a late payment from XXXX and is out of date also because it does not show any of the current payments I have made since XXXX. The problem with Transunion is that it does not even have the duplicate accurate account that XXXX has. When I pulled my credit in XXXX my transunion was accurate then changed 2 weeks later.

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 2017-08-14
Company: U.S. BANCORP
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Roughly {$450.00} worth of fraudulent charges were made on my credit card. I notified them immediately thinking their investigation who did criminal was. They never put the full amount back on the card for me to utilize. They failed to tell me the whole process and then spoke to the Supervisor of Fraud Protection he then apologizes. How is that going change my situation? I feel like they are keeping the using my card. There 's a hold on there and I do n't know why.

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 2021-08-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are 6 Accounts on my credit report that do not belong to me I have not used or know what these accounts are I need these off my credit report ASAP!!!!! 

XXXX XXXX XXXX  - Acct # XXXX Amt {$1000.00} XXXX XXXX  - Acct # XXXX Amt {$0.00} XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX XXXX  - Acct # XXXX Amt  {$67.00} XXXX XXXX- Acct # XXXX Amt {$0.00}

Company response to consumer: Closed with explanation