BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-04
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2022-10-06
Company: SANTANDER HOLDINGS USA, INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account was closed on My credit report on XXXX XXXXafterItoldsantandermyaccountwasclosedtheyresumittedonmyreportonXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My interest-only adjustable rate line of credit was taken over by  Servis One , Inc. dba BSI Financial Services,    XXXX   #  XXXX ,  XXXX   XXXX  around  XX/XX/XXXX . My agreed to LOC adjustable rate is  1 1/2  below the prime interest rate, which is currently @ 4 % making my current interest rate obligation 2.5 % today. The correct 2.5 % interest rate appears on both my  XX/XX/XXXX  and  XXXX  XX/XX/XXXX  BSI loan statements.  <P/> I received a letter from  BSI Financial Services d ated  XX/XX/XXXX  stating : " we have determined that the interest rate on your loan was set up incorrectly due to a system error and we undercharged interest on your account. The total amount of undercharged interest during the servicing of your loan by BSI  Financial Services i s {$71.00}. This amount will be billed to your account and will be reflected on your  XX/XX/XXXX  billing statement. '' I called the BSI toll free # (  XXXX  ) provided on my letter and spoke with  XXXX  ( she would not provide her last name ) asking for a detailed accounting of this additional charge. A detailed accounting of this adjustment does not appear anywhere on my online BSI account at www.bsifinancial.com. I personally calculated my LOC adjusted interest rate and do not see any discrepancies in amounts I 've had automatically deducted from my bank account.  <P/>  XXXX  could not help me out. She said she would send my request to the loan team and asked that I call  XXXX  back on Tuesday,  XX/XX/XXXX  to see if any details on this additional, unexplained charge could be provided. I told  XXXX  this was not acceptable ; my credit rating is excellent and I make monthly principal payments on my interest only account. I will not allow any financial institution to scam me. Federal law requires loan institutions to provide customers with details on loan charges.  <P/> I 've had similar problems with BSI in the past. This company refuses to send written documentation to support random costs charged to my LOC. I wan t Servic Onc, Inc. dba BSI Financial Services.  XXXX  to be accountable for their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.

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 2017-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
As of  XXXX    XXXX    Capital One reported a 30 day delinquency on my credit report, which decreased my credit score  by  XXXX  points. The company alleged I was delinquent on the account and made several attempts to contact me however to date I have not received a letter or phone call. In learning of the delinquency I immediately paid the card in full, as the balance was less than {$100.00}. I was advised I would be contacted with in 48 hours by a manager to further discuss the situation, that  was on  XXXX   XXXX  and no one has contacted me.     Up until this point I have never been late with any credit obligations, car, mortgage, student loans, credit cards, my credit has been perfect.     But do to  this one incident I feel Capital One has ruined th e good credit I have maintained for over 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2017-06-08
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On or about  XXXX   2017- I wa s purchasing  XXXX  airticket at  XXXX   XXXX  While I was doing that - there is screen while booking the ticket that is very confusing and deceptive ( violating UDAAP ). That verbiage suggested that If I will apply for this delta skymiles card from american express today - I will be getting {$100.00} statement credit. Later when I checked my statements and also reached out to amex Customer service - it came out to be totally different situation. I come to know that one has to use this new delta skymiles card from amex to make delta eligible purchases to get {$100.00} statement credit - it 's very very misleading and confusing. How come somebody can use the card when they do n't have it in front of them??? Moreover  XXXX   XXXX  venture card - reveals the physical card details after applying for that via the capital  XXXX  mobile wallet app. I had  XXXX  Credit Card from  XXXX   XXXX  - that gives you the details of the credit card immediately after approval.   Amex or  XXXX  - did nothing like that. If they ca n't have the mobile wallet kind of app - at least they can use the usersession to record that transaction as if it is made using the newly approved card. Or they can provide a https page with all the details and have extended securing mechanism ( like secret question or multi factor authentication to validate the customer ).   It 's clear violation of UDAAP. Why one will apply for the credit card ( and  XXXX   XXXX  the  credit score )  when they cant ' avail the benefits at that moment or get the reward? This is deceptive, misleading and false advertising by amex. Why Amex think that somebody will pay {$95.00} annual fees for a card which has so much misleading, deceptive and false wordings and that 's how it seems Amex is making money. It seems Amex somehow wants to open the credit card accout via false advertizing and with annual fees. This way they can capture bigger market share with providing any value to the user. Amex is tricking people to open the credit card which has annual fees also to make money out of them. This should be stopped. No other credit card issuers are involved in this kind of UDAAP violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX, we closed an old VISA credit card account with Capital One Financial Corp. in XXXX, VA. 

On XX/XX/XXXX, Capital One accepted a charge from XXXX XXXX on the CLOSED VISA account for {$29.00}, by transferring it to our new VISA account number. This is illegal and fraudulent misrepresentation and consumer abuse by Capital One. In fact, by accepting XXXX XXXX charge to a CLOSED VISA account, then they never closed the old VISA and thus denied us the ability to use the old VISA number. In effect, we were forced to have two VISA accounts, old and new, even though we explicitly closed the old one with them. 

As for XXXX XXXX, we closed the account with XXXX by not providing them with the new VISA account number. Why is explained below. Instead, XXXX auto charged the old VISA number, yet that old VISA was de-listed in my XXXX account information because it was closed with Capital One. Now, why didnt we list the new VISA number with our XXXX account? Because we wanted to close their account, too. But XXXX does not provide any online form or phone number of communication to end their services -- despite claiming to do so -- and their offices are located in XXXX, XXXX, with no phone number listed! This can all be documented. They also are committing consumer fraud, but that is a separate matter I will file with federal authorities. 

As a result of all this, we filed a dispute with Capital One for the charge and they credited the amount temporarily. 

But on XX/XX/XXXX, Capital One re-charged the amount from XXXX for {$29.00}, desiring documentation to support our dispute. We will provide that documentation, but regardless and more importantly, we shouldn't have to do so. Why? Because Capital One committed fraud in not closing our old VISA account and accepting new charges to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an ongoing issue with SunTrust Bank, with whom I have my mortgage. Every month, I mail them a paper check to pay my mortgage payment. Pretty much every month, I write in  {$1000.00} additional principal and make the check for {$1000.00} more than the minimum. Every month, SunTrust converts my check to an ACH transaction, which means I don't get a copy of my canceled check. And most of the time, certainly on XX/XX/XXXX, on XX/XX/XXXX, and on XX/XX/XXXX, they process the wrong amount. Their ACH transaction on all three dates is for {$1000.00} less than what I wrote on the check. ( This has happened previously as well. ) I have called them at least four times and asked them to stop converting my check into an ACH, and drawing their attention to having debited the wrong amount. They keep saying they will fix this and then they keep not fixing it. 

The customer service people seem reasonable but somehow SunTrust is unable, or unwilling, to fix this. It would appear not to be a priority for them, and I note that due to my inability to pay my mortgage off faster, I am paying SunTrust more in interest.

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 2017-06-08
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This letter is regarding account #  XXXX , which you claim I owe {$1200.00}. This is a formal notice that your claim is disputed.  <P/> I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have  XXXX  or ever had  ) so me contractual obligation to pay you.  <P/> Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX   ) from y our company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDC PA 807 [ 15 USC 1962e ] ; ther efore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.  <P/> Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.  <P/> Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for  : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection   Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.  <P/> For the purposes  of 15 USC 1692 et seq., t his Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.  <P/> Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.  <P/> Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: WELLS FARGO & COMPANY
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:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXXXXXX XXXX  and Wells Fargo. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. The Account Opened is Wells Fargo Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}. The Account Opened is Wells Fargo Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2022-10-06
Company: Experian Information Solutions Inc.
State: AL
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2021-05-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have reviewed a current copy of my credit report and it show inaccurate on in completed information listed on my credit report. I sent a request for investigation to Equifax regarding to an alleged public record listed of bankruptcy. I received in-completed and unverified information back from Equifax states alleged public record verified per data furnisher. I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. I asked Equifax to explain to me in writing how was their investigation conducted but they failed to provide me with their verifying investigation results from the data furnisher in writing. I understand that per the law of FCRA under permissible purpose. That I have not given any furnisher the right to release such alleged information. I am deeply conflicted with this inaccurate or incomplete information! I request further investigation to the matter and request a lawful reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has not send accurate verifiable documentation that I owe any debt BEARING MY SIGNATURE. I sent a letter on XX/XX/2021 asking to validate and this company has not done so properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
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:
USAA Credit Card. Two unauthorized charges made on XXXX XXXX for {$230.00} and {$500.00}. I notified USAA when my statement came to file Dispute Claim. Card was closed, charges were removed. On XX/XX/2022 the charges were added back to my bill and I filed another Dispute Claim. I have made many many calls to USAA Fraud Department and they refuse to remove the charges. They promise to call back and do not call back. I sent them a registered letter on XX/XX/2022 requesting the charges be removed and a new corrected statement be sent, but have had no formal response from them. The 30 days are now up. 

I have not paid for these charges because they are not mine. 

Clearly printed on the back of their statement is the USAA XXXX Liability Policy stating that I am not liable for Unauthorized Use of my card. They are not honoring this and I have followed their protocol. 

Please contact them to resolve this.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: KELLER,GRIMALDI AND ASSOCIATES
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Harassed my father in law and asked him to pay money

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This Compliant is being sent to CCS in response to a listing on my credit report. A notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). I never established a contract with this company at all.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  and  XXXX  ) this action might constitute fraud under both Federal and State Laws ) which are in violation of the following : the Fair Credit Reporting Act the Fair Debt Collection Practices Act Defamation of Character I also respectfully request CCS to provide me with competent evidence that I have any legal obligation to pay you.
<P/>
am requesting the following verification : 1.Recorded or telephonic conversations.
<P/>
2. Any payment methods you have on file indicating that I made payments to CCS company. ( Checks, debts, or money orders payments ) 3. Provide me with a documents with my signature indicating that I agreed to this debt with CCS.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: AES/PHEAA
State: AR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Letters with certified return receipts with sent on the following dates : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation