BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-05
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
To Whom It May Concern, My name is XXXX XXXX, My account number with Barclay Card is XXXX. I received mycredit card statementin the mail and noticed I was charged twice for flights from the XXXX to XXXX back in XX/XX/XXXX. My wife used my card without my authorization, when the credit card company called me I told them there was no authorization for this charge and to cancel it ; they said they would. In the meantime my wife never received a confirmation for these flights thereforeshe understood that the flights were NEVER booked. I was charged twice for this charge and wish to be refunded for this, Ideclined the charge when Barclay Card called and on top of it my wife never received confirmation for the flight. I then was only reimbursed for one charge and not the second, if I DID NOT authorize this charge how is it that I was charged TWICE? I have been dealing with this issue since XX/XX/XXXX and have received no resolution through Barclay Card regardless of numerous phone calls and e-mails. I live on a budget and this charge to my credit card is a heavy burden, especially receiving no adequate resolution on an issue I have been dealing with since XX/XX/XXXX. The card was charged on XX/XX/XXXX and XX/XX/XXXX, if you have any questions do not hesitate to contact me at my personal phone number XXXX and e-mail address is XXXX .I am writing this e-mail XX/XX/XXXX. Please help me with this issue

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 2017-04-05
Company: BARCLAYS BANK DELAWARE
State: LA
Product: Credit card
Issue: Delinquent account

Complaint:
I paid this credit card off through money management a debt consolidation company. I even received a check for over payment of this account. It is on my credit report as missed/late payments.

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 2018-05-29
Company: NAVY FEDERAL CREDIT UNION
State: DE
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:
Submitted paperwork to navy federal credit union of my military status of the SCRA, which caps intrest rates at 6 %. Navy federal has had over a year to fix my accounts which at one time became deliquent due to navy federal restricting access to my account, restristed online access to make payments for payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Navient Solutions, LLC.
State: FL
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:
I attended XXXX in XXXX, FL from XXXX, I am left behind with a ton of student loans. My degree was in XXXX, I decided to continue my eduction in XXXX and several schools I applied to informed me that my my credits were not transferable basically the school is not accredited. The school has since closed, there are many complaints and class action suits against XXXX. I was never able to find a good paying job in the field therefore always struggling to make payments on my student loans. I recently called Navient to get a breakdown of the money I took out to pay for this non accredited school and they were not able to give me a right number. After giving me the total I confronted them about not adding up to the total from several months ago but they always have an answer for everything. Navient is another who has a suit against them, I believe that they have falsely given my information not informing me in the past of the best programs for me to make payments to them, although I feel as I have been taken advantage of by both XXXX and Navient and my debt should be forgiven. I am now a XXXX and not able to pay my loans. Can you please look into both XXXX and Navient and get this deceitful debt off my shoulders so I can breathe again. Thanks so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: Diversified Consultants, Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had cable service with XXXX ( XXXX ) in XXXX XXXX and moved to XXXX, XXXX. Prior to moving XXXX policy states that all invoices must be paid before having service anywhere else. Paid and established new service in XXXX XXXX. Checking credit report, I found that there was an alleged unpaid invoice with XXXX. Since I was in the process of purchasing a new home, XXXX ( another credit reporting company ) advised me of it. XXXX acted as a mediator and got XXXX and Diversified Consulting Inc - the collections company on the line. XXXX admits that there IS NO WAY THAT I CAN CURRENTLY HAVE OR START SERVICE WITH AN OUTSTANDING INVOICE. This was removed from my credit report with XXXX. The collection company - Diversified Consulting Inc. refuses to indicate as paid - even though current XXXX reps state I would not be able to start or have new service if I had an outstanding bill. This caused major problems when I was purchasing my new home. A conference call was made with XXXX as the mediator and XXXX Rep and Diversified Consulting Inc. Rep. XXXX readily admits that I could not start or have new service with an outstanding invoice. The Diversified Consulting REp is argumentive and refuses to listen to what the XXXX rep is telling him. Call is terminated due to getting no where with this representative and him refusing to get a supervisor on line. Diversified Consultant states it does not matter he makes the final decision

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
CAPITAL ONE CHANGED THEIR COMPUTER SYSTEM WHICH PREVENTS ME FROM ACCESSING MY ACCOUNTS. I HAVE SPENT TWO DAYS WITH 3 DIFFERENT REPRESENTATIVES. THEY SAID THEY SEND AN EMAIL WITH CODE. THEY DO N'T. ASK THEM TO SEND TEST EMAIL, THEY WO N'T ; ASK THEM TO SEND ME A WRITTEN COMPLAINT FORM TO MY HOME THEY WO N'T. I WANT ACCESS TO MY ACCOUNT S!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
An outstanding balance owed to XXXX was transferred to Caine & Weiner. I received communication in form of a letter on XXXX XXXX, 2016 of this debt. I immediately contacted the firm and let them know that I had ever intention of paying the debt but that at the time I was also unemployed ; however I would make payments until the balance was paid in full. I spoke to a person named XXXX, XXXX and let them know that I did not want this going on my credit so I wanted to set up a payment plan to avoid further action. I paid {$25.00} each month to avoid it going on my credit. I received a call about a week ago and the person from Caine Warner said they were calling to see if I wanted to pay the debt in full since my balance was down to {$190.00}. I told the lady that I was unemployed but that I would be making a payment in XXXX since I was paying {$25.00} each month. She was friendly and said " ok '', she was just following up. I check my credit report almost weekly and was surprised to find that the firm has reported this unpaid debt to a credit bureau after they told me that as long as I made payments, it would not go to a credit collection. I immediately called again today to XXXX and spoke to a man. He now informs me that even though I called and told them the debt was mine and even though I am paying each month, the debt has to be reported to the credit bureaus after 60 days, regardless of whether or not I am paying it. This does not make sense? None of the other reps ever told me this? We agreed that if I paid it would keep the outstanding bill from going into collections. Now someone else is telling me something else? I want this account to be taken off my credit immediately. I made arrangements with this firm to fully pay down my outstanding debt, they led me to believe that as long as I paid they would not turn it over to a credit bureau and now it is on my credit. I feel they misled me and did not provide me accurate information. The man I spoke with today is now telling me that the other people I 've spoken with were " pretty new '' and probably did n't relay the information correctly to me. Well guess what? That is no excuse! If their employees are not properly trained then they should not be working there giving out wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: Eagle Recovery Associates, Inc.
State: IA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was contacted this morning by Eagle Recovery Associates and XXXX I believe her name is. Mentioned that, '' It does n't take a genus to figure out if I can buy a house I can pay off my debt. '' I never mentioned to them that I purchased my home literally 2 weeks before they contacted me. I am being harassed and the lady said she would press charges if I did not pay my account in Full. I was told that by a supervisor as well. I feel Harassed!

Company response to consumer: Untimely response
Consumer complaint received 2016-10-18
Company: Genuine Debt Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was contacted by Genuine Debt Solutions on XXXX XXXX, 2016 by someone named " XXXX XXXX '' and was immediately asked intrusive questions about where I work, etc. without being told " This is an attempt to collect a debt, and any information obtained will be used for that purpose. '' I told this person I was not comfortable having this conversation as I was recently scammed by a company trying to collect on this same " debt. '' I was then transferred to " XXXX XXXX '' who at first seemed to understand my frustration but later became belligerent and highly unprofessional. She told me to " stop talking and listen '' as if I was a child. Keep in my mind she called me so I had the right to state my reasoning for not wanting to continue the call. I continued to ask for validation of debt and asked questions about the companies legitimacy and she then became loud and rude and said that if the money is not paid her client intends to pursue legal action so I disconnected the call. I received XXXX documents sent from a XXXX account from this " business '' - Genuine Debt Solutions telling me I owed an ABSURD amount of money to her client, XXXX XXXX. When I called XXXX XXXX directly they had never heard of this company and told me that I did not owe this debt.

Company response to consumer: Untimely response
Consumer complaint received 2016-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX is reporting a account with the wrong open date. It 's not accurate. The account is years older then what 's being reported. It 's misleading information for means of obtaining creidit, which leads to negative success of new credit. What a headache.

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 2015-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was late with paying my electric bill XX/XX/XXXX. I made arrangements in XX/XX/XXXX to get it paid. The electric company, XXXX XXXX, immediately came back and said I was late on {$80.00}, when a ) I was n't, and b ) it 's been paid for, yet the credit report does n't reflect that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My XXXX report showed that there was a hard inquiry on my credit 2 days ago, which I had not authorized. I called the creditor, CBNA, and they could n't give me any information on where or who this hard inquiry came from and when. She said that I needed to call the credit rating agency, XXXX. I called XXXX and they said that I could n't dispute the hard inquiry and needed to call CBNA again to get a letter of deletion. How can a bank make an inquiry which adversely affects me, and then not have any information on that inquiry? It is highly angering and frustrating.

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 2017-04-06
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
I just filed CFPB Complaint # XXXX, which, thank you, had been promptly forwarded to Citi Cards. On XX/XX/2017 I received a phone call/ voice mail message from XXXX , Citi Cards Executive Branch, XXXX, saying she would be investigating, and if I wanted to provide additional comment/questions. Well, although I appreciated the call, I did n't think it would be necessary to call her back, until this morning XX/XX/2017. 
When I received email notification of a new e-communication regarding the billing dispute. the e-communication when I opened the link to what is a closed account as of XX/XX/2017 was dated XX/XX/2017 and starts making reference to " credit slip '' which that was the first I heard about that. So out of curiosity, since something felt very odd about this new communication, clearly done in response to the CFPB complaint, I re-opened Citi 's XX/XX/2017 e-communication, and it 's a completely gone, and instead has been replaced with completely new language, with the original XX/XX/2017 date, and conveniently referencing " credit slip ''. Absolutely incredulous. 
I do n't know how this can be independently reviewed by Citi, since the four days of filing the complaint, they 've just been scurrying around creating documentation, instead of handling the original dispute of XX/XX/2017. Citi 's doing exactly what the vendor in the original dispute did, creating materials fraudulently to support their agenda.

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 2016-12-27
Company: ALLY FINANCIAL INC.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My wife and I purchased a XXXX XXXX in XXXX XXXX with Ally Financial holding the lien. We recently experienced severe issues with the car and it is not longer safe to drive. We can not afford to make repairs or payments on the car and XXXX XXXX or XXXX we said to just take the car from the dealership and to we letting them repo the car. We gave all the contact information over. Since that time we have gotten calls everyday demanding we speak to them and they are denying any record of our call about the voluntary repo. 

In addition we had tried to adjust the terms of the loan on multiple occasions and had no luck. Finally we think the van in question is a lemon.

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 2022-04-19
Company: Experian Information Solutions Inc.
State: UT
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 have been demanding that Experian remove these disputed tradelines for over 18 months now. I've mailed multiple disputes and filed CFPB complaint # XXXX. I've requested a full disclosure pursuant to Fair Credit Reporting Act 609 for the entire consumer file in their possession that contains my name. 

Experian has FAILED OR REFUSED to investigate and provide me with results within 30 days. 
Experian has FAILED OR REFUSED to provide me with the entire consumer file. 
Experian has FAILED OR REFUSED to permanently DELETE tradelines of companies that DO NOT EXIST. I have provided proof of documentation through my CFPB complaints and my dispute letters showing that the companies that they claim furnished information to them DO NOT EXIST in my state or the states they claim they are in. 

XXXX has permanently DELETED the accounts I've disputed because they were not able to verify and validate the tradelines. If XXXX can not verify AND validate these accounts, how can EXPERIAN possibly verify and validate the tradelines? 

It is my belief that Experian is committing fraud, identity theft, and using deceptive trade practices to continue to defame my character, prevent me from accessing credit in violation of the Equal Access to Credit Opportunity Act. I am being damaged daily by Experian refusing to delete the following accounts, which are not registered to do business in the state of Utah which means I can not serve them with notice of intent to file a lawsuit, and they can not do business here : 1. XXXX XXXX  XXXX 2. XXXX XXXX 3. XXXX 4 . XXXX XXXX XXXX 5. XXXX XXXX XXXX It appears that Experian has a vested financial interest in continuing to report these fraudulent tradelines and refusing to send me a copy of the entire consumer file concerning me, which will show that they do not have the proper documentation required by law to reporting this information. 
I HAVE NOT GIVEN EXPERIAN PERMISSION TO REPORT, COMPILE, OR APPROPRIATE MY NAME AND LIKENESS and PRIVATE FINANCIAL MATTERS. THIS IS AGGRAVATED IDENTITY THEFT BY EXPERIAN. 
I demand that they immediately delete the information! 

I have attached proof that XXXX has deleted the tradelines.

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 2015-07-18
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
This is now the third time in the past year that either my husband or myself has n't been able to get our free annual credit report on-line. This time, it was the Equifax report -- their web site says " We 're sorry, for your protection we are unable to deliver an Equifax Free Annual Credit Report over the Internet '' and I have to do it by postal mail. That 's a huge amount of additional work, plus some expense -- and there 's no explanation what-so-ever of why I could n't get it online. Each time we 've gotten that message in the past, once we finally got the report, we checked it carefully, and found no errors which might explain why the on-line request failed. So now I 'm told I have to go through that process all over again to get my report. There should be some way to find out why the on-line request is failing, so it can be fixed. ( I 'm beginning to wonder if they make it fail, so they do n't need to supply the report at all -- I 'm sure thatmany people, when faced with what needs to be done to get it mailed, just give up. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-16
Company: Performance Settlement, LLC
State: NY
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I have recently hired a company who claimed to consolidate my student loans with the Dept. of Education using program called " Obama Student Loan Forgiveness ''. I know I could have done it directly with the dept of education, but since I work very hard I thought I would not have the time to do this.They made me sign a contract, which seems to be " irrevocable '' and made me liable to pay them {$1400.00} over the course of 3 years to keep renewing my consolidation applications. First problem I had with them is that they made many mistakes on my case and I had to keep calling to correct, such as personal info. Next, they promised I would be paying as low as {$36.00} a month for my loans, which was later confirmed as wrong by the Dept of Education. Next, they promised that all the debt will be settled in less than 20 years, which is NOT what the dept of Education has as true. So far they have taken about {$250.00} dollars from my checking account. Every time I tried to call them to express dissatisfaction with their services, I receive rude, angry and demeaning attitude from the representatives working for this company. I have put a stop in the payments and wish to not continue being taken advantage of by them any longer. Please help!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-07
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Transaction issue

Complaint:
Company wants taxes for a contract that did n't state that I had to pay taxes in order to give me my free flights. Citibank Office of President statess that it is " known '' that I had to pay taxes when it was unknown. Free flights means free flights. If it is free the taxes are XXXX. 
I also gave notice within 5 days as required per the XXXX government for these types of purchases and I am still saying that I can/t get a refund.

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