BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-23
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card
Issue: Credit determination

Complaint:
On or about the XXXX of XXXX XXXX I made an application for a Nordstrom credit card online. Before submitting the application I called the company because I could not get the application to go through because it required an expiration date for my State ID. I do n't have an expiration date on my ID because in the State of Illinois when you are over XXXX years of age your ID no longer has an expiration date. 
After explaining this to a woman at Nordstrom credit. She advised me to submit the form and it went through. 
A few days later I got a letter from Nordstrom dated XXXX XXXX, XXXX stating that my application was turned down because of an account that I had with Nordstrom 's that was charged off. 
Since I had no recollection of such an account I called Nordstrom and was advised that according to their records I had an account that was charged off in XXXX. 
I then called the company that had purchased the charged off account and I was told that I had discharged a Nordstrom account in a bankruptcy that I filed in XXXX. 
I have been working to build my credit for the past 2 years and look at my credit reports at least once a week. 
None of the credit reporting agencies are showing the XXXX bankruptcy nor do they show any Nordstrom account that is past due or delinquent. 
The bankruptcy was discharged in XXXX. Since that time I have been working to repair my credit. 
After speaking with the company that bought the debt I tried a total of five times to call Nordstrom credit and could not get through. When I left my number for them to call me I received no return calls. 
I feel that I am owed an explanation as to how they came to the decision to deny me credit. This is the first time I have heard of a company that uses a 14 year old bankruptcy as a reason to deny credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX an old close, settled and removed XXXX  XXXX account was Re-inserted on my Equifax Credit Report. That account was on XX/XX/XXXX and XXXX XXXX had sold the account to a collection company without report that to the credit bureaus which illegal by the FCRA and the FDCPA. Fast forward XX/XX/XXXX when i contacted XXXX XXXX concerning that account they had told that they wasn't holding the account anymore and had referred me to a collection company named XXXX XXXX XXXX. On XX/XX/XXXX i had got in touch with the collection company " XXXX XXXX XXXX '' and they had offered me settlement deal for an amount less than the charge-off amount. The original charge off amount was {$210.00} and the collection company had accepted {$89.00} from me in exchange to settle the account and remove the account from all the credit. As a pay for deletion settlement After i had received my confirmation letter from the collection company in about 2 weeks after my payment i notified Equifax about the settlement via a dispute. On XX/XX/XXXX that XXXX  XXXX account was removed from my Equifax credit file On XXXX XXXX without my consent, my knowledge, my agreement nor my signature that same old closed, settled, and removed account was illegally and unlawfully reported and RE-INSERETED on my Equifax credit report with inaccurate address, inaccurate status date, inaccurate payment status, inaccurate past due amount, and inaccurate balance. Due to the Re-insertion of this inaccurate account on my credit report XXXX  XXXX has violate my RIGHTS, DEFAMATE MY CHARACTER in the eyes of other lenders and financial institution and also has damaged my credit because my credit score had drop drastically by 75 point. and now my credit score went from VERY GOO to FAIR.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: DISCOVER BANK
State: OH
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I was out on maternity leave. ( XXXX - XXXX ) I was coming up short on my payment, so I called before my bill was due. ( this is for the bill due XXXX ) I told them my situation, said I would be back on track by XXXX. They were awesome about it, explained there was no pay options available to me at the time, but offered me XXXX dollars in hardship money. Thats when I had someone from Discover hounding me about a payment and daily had to explain my situation. That when someone said you can stop the calls by setting up promise to pay ... XXXX long story short, apparently I felt obligated to set it up. I had every intention on getting right back on track. A DOUBLE payment was taken out the same week I said I could n't pay. I know I would have not authorized that payment!!! It over drafted my account and has been bad since! I asked to listen to the tape, they placed on hold, they listened to it, came back and said I had authorized it. I know in my heart I would not have, I did n't have the money! I asked to listen to the tape, they would not allow me. Is there a law that prevents customers to listen to their own recorded calls? There has been several contacts between the company and I. My history with the company has been excellent, until the reason events. Recently I have became very very upset! I 'm loosing my cool with this situation. ( Not my norm ) I made the comment that this can make people hurt themselves. They sent the cops to my house. Boarder line harassment. I just want to listen to my tapes, the dbl payment was not authorized by me! Thanks for your time in advance!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I went online on a website XXXX XXXX XXXX XXXX XXXX. I received a text from a contact form I filled out. We talked by text, and then by phone. We agreed on sell of a kitten. {$550.00} on XX/XX/2022. I used XXXX through my bank, Capital One. The money was transferred. I set up a time to pick up the kitten and went to pick up the kitten. The person did not show and stopped responding to texts or calls. This individual tried to scam me again by asking to ship the animal for another amount before they stopped responding at all. I contacted my bank immediately. Reported the incident as fraud, gave all the texts and information about the transaction. Capital One, which is XXXX of the XXXX large banks that own XXXX XXXX XXXX which owns XXXX. Capital One is trying to deny refunding my bank account for the {$550.00} by saying it wasn't a fraudulent charge since I was the one who made the transaction. This is not what was questioned to begin with. This transaction, and however many more this person has been allowed to make through XXXX with other people, are scams. They are taking people 's money and the banks are doing nothing about it. And, then the banks refuse to refund the money. I want Capital One to return my {$550.00} that was sent, and I want Capital One and the other banks to start investigating and tracing down the people they are allowing to scam people through their banking systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: GREAT LAKES
State: OK
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was a victim of battery, discrimination, and fraud by faculty at the University XXXX Oklahoma XXXX XXXX XXXX XXXX XXXX XXXX at the end of my XXXX year in 2015. Also, XXXX faculty member told me he would wrap me up in a blanket and beat me at some point in the future. According to my Federal Student Loan Master Promissory Notes all of my Federal Student Loans should be immediately discharged when I am a victim of a crime. 

Currently, the XXXX XXXX XXXX XXXX, Great Lakes XXXX XXXX XXXX, has given my XXXXCredit Bureau " bad '' information by saying I am late in making payments on Federal Student Loans. On another note, I can not get a job today, since I have been unemployed for over nine years, preparing to be XXXX in school, and do not have a XXXX to practice as a 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 2016-07-26
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
The company has been incorrectly reporting that I have an open account with them and reporting it as 30 days past due every month lowering my score. Disputes have been filed and the company has not corrected the information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-17
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
TD Bank is reporting in my file that I missed a payment which is not true. When payoff was made on my account with then they presented the payoff amount to me and the total amount was paid off as they requested. I was never ever missing a single payment and somehow they got confused and are showing 1 month as missing aand not paid. I never ever missed a payment,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is acting as a debt collector, and I do not recall giving them permission to contact me ( which they have NOT ) But, under more scurinty they have placed this public debt on my records to XXXX  and degrade my character as if I do not pay debts owed to me. 
I request for admissions XXXX. The original wet blue ink contract with this XXXX. Consent I have given to you to contact me and put this alleged debt on a public record? 
XXXX where do private people have public debt? 
XXXX. What law says that private people are debtors XXXX. Do you operate under Title 12?

I am a private living soul, discharged from my mother 's waters and I know private people can not have public debt, so there is nothing to. There's nothing to " discharge '' or to discharge with. This alleged debt, is causing an interference with my pursuit to enjoyment of livelihood refraining me from access to housing for my child, therefore interfering with my children 's well life and pursuit of happiness. 

If by any chance you can not answer all questions, that would be deemed as incomplete, and result in admission and default to the solution offered. If unanswered I will move forward with the filings of a 42 USC 1983 suit. 

WITH MUCH LOVE, WITHOUT RECOURSE WITHOUT PREJUDICE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
This company is very rude to me I applied for a store card with them online and it give me a reference number to calll to process when I do they wont and give me a hard time I hate them they treat me like. Garbage and when I go to their store they discriminate me they dont want to give me an account and its not fair they will make any excuse to not process my application or approve me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Global Lending Services LLC
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: Reporting company used your report improperly

Complaint:
ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, XXXX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE. ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT XXXX', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. XXXX, XXXX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX  ACCOUNT # XXXX FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, XXXX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/21, XX/XX/21, XX/XX/21 I submitted documentation specifically requested by an Experian representative I spoke with by phone to accompany a dispute with a car dealership that im currently in litigation with and is falsely reporting a repossession on my credit. The documentation Ive provided has been more the efficient to remove this from other bureaus. It adequately proves my payments as well as my rights as a consumer to have it removed due to discrepancies in information reported by the company. Ive been unable to purchase a vehicle due to Experians lack of cooperation and lengthy investigations leading to no resolution

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 2022-11-10
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
AtXXXX XXXX  Wednesday XXXX XXXX texting with ( XXXX ) XXXX ( sms/mms ). 
Yesterday I got a text message on my phone ( XXXX XXXX saying that I sent a payment to XXXX XXXX from PayPal Amount:XXXX XXXX reference ID : XXXX if not me? XXXX to dispute. 
So I called, some XXXX  answered and the put over to his supervisor XXXX XXXX another XXXX  voice. He told me they would have to go to my PayPal account, but I have a hard time with computers and phones so he directed me to my XXXX XXXX account. He told me to touch them clock symbol so I did then to touch home symbol then the add cash then go to my profile then to my debit card. Then I xed out of that page and went to then touch the XXXX dots I did then punch in XXXX and hit add cash and to confirm it. I did this a number of times with different amounts XXXX. All those amounts failed except XXXX this money went to some person called XXXX XXXX. So that person has XXXX of my money. $ XXXX. Then I said wait a minute you just took my money, he kept saying that I would get it back. Now he tells me to go to XXXX, XXXX or anywhere that I could get a XXXX gift card from XXXX or XXXX, or XXXX. He said to purchase it and give him the numbers. I didn't do it cause I don't have that kind of money and don't want to lose another XXXX. I'm on XXXX retirement He said I would get it all back. I was thinking XXXX no. He kept saying it was for security reasons. 
Is all of this sounding liget to you. It doesn't to me. Please get my XXXX ASAP. This person sent me a E mail saying he works at Consumer Financial Protection Bereau.Said he's liget I still don't believe it. As nd gave me a ref : XXXX reason has been given due to Identity theft as per PayPal XXXX. Signed XXXX XXXX Consumer Financial Protection Bereau. If this is legit please let me know. Cause doesn't sound like it to me. Thank you, XXXX XXXX XXXX E mail is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Mid-Atlantic Finance Co., 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: Reporting company used your report improperly

Complaint:
ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, XXXX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE. ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT XXXX, FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. XXXX, XXXX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT # XXXX FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, XXXX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. XXXX5 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: CITIBANK, N.A.
State: KY
Product: Credit card
Issue: Billing disputes

Complaint:
I ordered {$700.00} worth of gift cards from XXXX. After contacting XXXX 4 times, I received no response from XXXX ( I was told someone would get back to me/never did ). Finally opened a dispute with Citibank since XXXX would n't even talk to me and never delivered the merchandise. Citibank now sent me an enotice saying XXXX said they delivered the cards and Citibank would uphold the {$700.00} charge from XXXX. XXXX never delivered the cards. XXXX sent me a tracking number XXXX that even today shows no movement or delivery. I forwarded this email proof to Citibank but I still do n't see a permanent refund to my account. Apparently XXXX just has to say they delivered even though I have proof otherwise. XXXX 's own tracking number they provided in a customer service email shows no delivery was ever made as of XXXX XXXX. The cards were due on XXXX XXXX as XXXX gifts. Obviously useless this late as I had to replace them. Citibank is not helping me at all and has found in XXXX 's favor even though I have proof otherwise.

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 2016-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America customer service charges and telephone fees and non disclosures and discrimination in lending hold fees

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-03
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
TD Bank only has available branches in certain states. I was moving out of state for a job, went to the branch to close my account, but was persuaded to keep my account open based on their mobile deposit feature that would allow me to deposit my check and be available next business day. Now, I am several hours away from the nearest TD Bank branch, and they are holding my check for 4 days preventing deposit. The Mobile App where you deposit the check states that if deposited before XXXX it will be available same day, if deposited after XXXX it will be AVAILABLE next business day. The branch I was at is open 7 days a week and advised me that they consider non holiday weekends as business days. I gave them the flexibility that perhaps that was that specific branch, and the money would be available on Monday. It is now monday and they are telling me that that is wrong, and the money is not available, despite being told by their branch manager, and their mobile app that they money should be available. The previous mobile deposit I made was available to me next day, but only half of it, the other half was mysteriously put on hold, in which case the representative advised me he " did n't know why, but it should be available either tomorrow or the day after. '' It was eventually available to me, but they have yet to produce a reason for holding over XXXX dollars of my money in contradiction to their own written policy. I was also advised that the branch can push through the deposit and make it available to me today, but customer service can not -- again without explanation. I was told my only option was to drive several hours to the nearest branch and ask them to push through the deposit to make funding available to me.

Company response to consumer: Closed with explanation