BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-24
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I applied for Navy Federal Credit Union membership over the phone. As part of my application, I was read a credit report disclaimer. When I asked if this would be a hard pull or inquiry on my credit, I was told by the phone representative it would be a soft inquiry. Navy Federal performed a hard inquiry. When I received notice of the inquiry, I called Navy Federal and was told that as part of my application, I was read a disclaimer. I asked the representative to listen to the recording of my call. Upon review of the recording by back office personnel, it was determined that while I was read the disclaimer when I applied, I was also told that the inquiry would be a soft pull. Navy Federal has communicated that they will be suppressing the inquiry from my credit report and at my request, Navy Federal indicated that they will be communicating this to me in writing and that updating this with the credit bureaus can take 30 days.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The List of items below are being reported incorrectly by Transunion and some are not even my accounts. I have provided them with information just as police reports, and ID Theft Affidavit and they continue to report the information. I have also provided the same information to all the creditors too. Please help me restore my credit report to the correct information.

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 2017-10-12
Company: Experian Information Solutions Inc.
State: NY
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 HAS NOT DONE A PROPER INVESTIGATION ON THE HARD INQUIRYS ON MY CREDIT REPORT. SINCE THE DATA BREACH THEY HAVE NOT DONE ANYTHING TO REMOVE ALL THE FRAUDULENT INQUIRYS ON MY REPORT. I DID NOT APPLY FOR CREDIT WITH ALL THOSE COMPANYS. I WOULD LIKE ALL THE INQUIRY 'S ON MY CREDIT REPORT REMOVED NOW. 

Under the Fair Debt Collection Practices Act Section 805 ( C ), it is my right to request that you cease contact with me. I am exercising my right to do so with this letter. I request that you immediately CEASE and DESIST all contact with me.
If this final request does not prompt you to conduct a proper investigation of the items in question, or the immediate and complete REMOVAL of the INQUIRIES and NEGATIIVE COMMENTS from all my credit reports ( XXXX, Experian, and XXXX XXXX ) immediately. Please send proof to me of said investigation, I will file a civil suit in your county, or state for damages. 

Your Company has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.

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 2017-01-05
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
AS I UNDERSTAND CFPB & XXXX XXXX HAD AN AGREEMENT THAT CURTAIN CUSTOMERS XXXX WOULD E REFUNDED CHARGES BECAUSE OF DECEPTIVE PRACTICES. LAST FRIDY I LEARNED I WAS DUE A PAYMENT OF {$540.00}. THERE HAS BEEN NOTHING WRITTEN, JUST PRYING INFORNATION FROM XXXX, SO THE FIGURE MAY BE A LITTLE DIFFERENT. BUT IT IS CLOSE. I IMEDIATELY CHECKED MY BANKING RECORDS & could not find the figure. When I CALLED TO REPORT THAT I HAD NOT RECEIVED MY FUNDS I WAS TOLD " SINCE XX/XX/XXXX HAD PASSED I COULD JUMP IN A LAKE AND THERE WAS ABSLOYULY NO RECOURSE!!!!! THE TERM " JUMP IN A LAKE '' WAS NOT USED, THAT WAS THE MESSAGE!! WHAT A CROCK, I NEED PROTECTION FROM THE UNSAVORY??? YOU CAN CALL THEM WHAT IS APPROPRIATE. 

GUESS THAT IS MY CONDINCED VERSION. WHAT OPTIONS DO I HAVE? I WOULD LIKE SOME THAT RESULT IN $ $ $ PAIN TO THIS CROWD!! 
XXXX XXXX XXXX XXXXXXXXXXXX AWAITING YOUR ASSISTANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Yesterday I received 3 calls from a debt collector ( XXXX XXXX XXXX ) stating that they were a law firm attempting to collect a debt. This is after a conversation I had the previous day ( different customer service agent/paralegal ) requesting an email with their original correspondence as I had recently moved. I did not receive this email. 

They called at XXXX XXXX, XXXX XXXX, and XXXX XXXX ( yes I have the EXACT time, and the calls came to my employer ). 
During the first call the man refused to give me his name and literally YELLED at me screaming, " YOU KNOW WHAT YOU NEED TO DO, YOU JUST NEED TO PAY IT. STOP TRYING TO BUY TIME!!!! '' All I asked for was a copy of the original correspondence in regards to the debt that was sent to me. I asked for them to email this letter so that I could review it ( I mean who makes legal decisions without seeing something in writing? ) and he yelled, " SO WHAT ARE YOU GON NA DO?? IF I SEND YOU THIS EMAIL I WILL GIVE YOU 30 MINUTES TO READ IT AND I WILL CALL YOU BACK. STOP TRING TO BUY TIME! YOU '' RE XXXX PAY THIS!!!! " Needless to say, I then hung up the phone. I was at my place of employment getting yelled at by a stranger that refused to provide the correct documentation in regards to the debt, and was yelling commands over the phone. They also threatened legal action and wage garnishment, and would not let me speak AT ALL. 

During the second call he called and said, " SO WHAT IS YOUR EMAIL?!? '' No hello, no can I speak so so-and-so or anything. I gave him the email and he began to yell again. " SO WHAT ARE YOU GON NA DO? YOU NEED TO PAY THIS NOW! YOU HAVE 30 MINS TO READ THE EMAIL AND I AM CALLING YOU BACK TO ASK YOU HOW YOU 'RE GON NA PAY!!! '' I kept saying ( in a very low and calm voice because I am at work ) to " Please stop calling my job. '' He kept speaking over me and would not allow me to ask questions, so yes, I hung up. 

The third call went ignored. Did I mention hat they left a message on my SUPERVISOR 'S voicemail???? This is where it must end. I do n't care if someone owes XXXX or $ XXXX, there is no reason to yell and harass them at their place of employment. This company has crossed the line. I sent a cease and desist letter via email, AND CERTIFIED MAIL and received yet 2 other phone calls this morning. 

So technically there are XXXX issues:1 ) Frequent or repeated calls2 ) Used abusive language3 ) Threatened to take legal action4 ) Called after written case of communication notice.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of america is Lieing, they are saying that my home was refinanced in 2014, I never accepted there offer to Refinance because number XXXX, the Ex Co-Barrowers name ( XXXX XXXX ) was still on every page,2, the refi was not a FHA Hamp,3 , they did not give me any disclosure or details at all.3, the XXXX payment was already late when I got the mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I was at HSBC branch on XXXX & XXXX in XXXX today around XXXX. Before I got on this long line at downstairs foreign exchange office, I showed one of the tellers that I have old Pound Sterling currencies which I would like to exchange back to USD. The teller nodded " ok, just go to the end of the line ''. I got at this very long line, waited nearly 30 minutes, however, when I got to front of the line, teller XXXX told me " these money are old, we can not accept '' ; she further told me that these money are good to use only in XXXX, but foreign exchange office in HSBC bank no longer accepts them. Well, I felt so mistreated!!! Why ca n't her colleague, ( the teller I showed these old money to ) notify me before I got on this very long line to wait??? 

I spoke to HSBC assistant manager XXXX, who seemed have no clue with foreign exchange policy, she kept me wait for another 10 minutes, claimed " she needs to check with the tellers '', she had no idea what types of currency notes HSBC can or can not accept, I showed her again these old XXXX pound money, she was so unsure and did n't even know what guideline as what could be accepted. I requested since the teller MISINFORMED ME that it was ok for me to wait on line to exchange and I took her WRONG advice to wait online. HSBC should at least respect customer 's time and honor this one time exchange!!! However, both XXXX and XXXX had ABSOLUTELY NO CONCERN OR RESPECT to customer 's time, they both refused to honor my one time request to change my XXXX pounds to US dollars. 

I totally wasted 40 minutes of my lunch hour with DISRESPECTFUL HSBC customer service reps and get no results!!! I had been a customer with HSBC for long time, I totally do not deserve this treatment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-23
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Sale of account

Complaint:
I entered a payment plan to settle outstanding debt with Citibank, N.A on XX/XX/XXXX. I made my last payment on this debt on XX/XX/XXXX in the amount of {$300.00}. I attempted to make a payment via telephone in XX/XX/XXXX to continue my obligation for this debt. The representative at the time, informed me that my account was settled in full and that I did n't have to make the payment. I subsequently received a notice from Citibank, N. A stating " our records reflect that the balance on the above account is {$0.00} ''. I disputed the information with each credit bureau so that they could update my records based on this new information. The credit bureaus responded and said that Citibank, N.A disagree with my dispute of the account. With this in mind, I contacted Citibank, N.A and learned that Citibank N. A sold the aforementioned account to a XXXX XXXX Inc. and they are attempting to collect the full amount of {$5900.00}. Based on the letter I received, this account continues to report inaccurately on each of my credit reports, and Citibank, N.A is still pursuing me for debt I 've completely paid off.

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 2016-09-11
Company: NCB Management Services Inc.
State: AL
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX, my XXXX XXXX XXXX was totaled. XXXX paid XXXX over {$14.00}, XXXX for the car. Well, I assumed the care was paid off and I owed nothing. Back in XXXX XXXX, I started to receive noticies from NCB Management. I really thought it was a scam, until I finaly contacted XXXX. I contacted NCB Management, and proceeded to make monthly payments, which began in XXXX XXXX. NCB Management, after being paid each month, was still reporting my account as not being paid and reported at first as a new account and then change to collection account with the original creditor being XXXX for little of {$6000.00}. But, it strange that the balance was going down on the account. I have statements and emails stating that the account was being paid, but still stating that it was closed and never paid. I recently contacted NCB Management, after they sent the payment for XXXX XXXX back to the bank, they state that the account been closed since XXXX XXXX for non payment. Now I am getting these harassing calls stating that my payment was returned and I need to contact them. But now it is showing on my credit report that XXXX is now reporting the same account as a new account for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
LVNV FUNDING LLC- is attempting to collect debt indicated on my credit report acct # XXXX, which it claims I owe {$490.00}. I have sent LVNV Funding two certified letters on XXXX/XXXX/16 ( received on XXXX/XXXX/16 ) and XXXX/XXXX/16 ( received on XXXX/XXXX/16 ), asking to validate the debt that it claimed against me. LVNV Funding failed to provide validation of debt and simply replied the debt is owed by me. Without validation of debt bearing my signature, I asked LVNV Funding to remove their derogatory remarks on all XXXX credit bureaus but they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: SECURITY CREDIT SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In 2007, I only registered spring semaster @ XXXX for total tuition of {$5000.00} but I withdrew all my classes before semaster stated. After a year later, the bursar 's office mailed me a bill stating I owe them {$5000.00} unpaid college tuition. I called them right back and told them I withdrew all the classes prior to semaster start date, I did n't attend any classes at all and should n't pay it. 

Since then, the debt collection agency keep calling me at work, home, even on my cell phone. I did not give out any of my numbers. They making threats to levy my bank account and put a hold on my paystubs. Especially this year, when this person named XXXX XXXX from Security Credit Systems XXXX XXXX ext XXXX did boiler room harrase me by calling my work and cell phones everyday. He made threats to me telling that he will put a hold on my paystub until the debt is paid in full and levy against my bank account. He even asked my new home address so he can send more debt collection mails. I am really scared right now and do n't know what to do. This is not my Debt since I do not owe the school anything. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I had a capital one card that was stolen. I contacted the company because charges had been filed on my card. The company refused to investigate the charges b/c they were made by someone I knew. Regardless of if I knew them the card was stolen and the charges were not authorized. The company refuses to investigate signatures, charges or any details. They sent the debt to a 3rd party collector without resolving my complaint. They also continue to contact me about a debt they refused to investigate. I also discussed with the company paying the debt that I was responsible for in return that they remove the debt from my credit report however they refused. They want me to pay for fraudulent charges that I did not incur and that they fail to investigate because it will be costly to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Advertising and marketing

Complaint:
This company lied about a promotion of not charging interest on my account. I was led to believe that I would have at least 18 months interest free payments on the account which was never the case. Instead they began to charge me interest which led to me discontinuing the account. They also continue to call me, my family, and relatives regarding this issue when I have asked them numerous times to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
They contacted my personal unpublished cell phone about a debt from my brother who I have no financial interaction with. They claimed to be holding a court order for case # XXXX. Once my brother contacted them they pressured him to settle with them immediately for 4x the original debt or he woudl recieve a subpeona.

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 2016-02-19
Company: USA DISCOUNTERS LTD
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account with USA Discounter/ USA Living in XXXX that was discharged. Today, XXXX XXXX XXXX, an employee from USA Discounter called in an attempt to extract money from me. I told this employee that I did not and have not had a account with them and no money was owed to them. The employee was vet aggressive in trying to infer I owed money. I finally hung up on him. How is it possible that this company is still in business and trying to collect money from prior account holders with no money owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I submitted a complaint to Experian, XXXX and XXXX and they verified the following accounts : XXXX XXXX credit cards, XXXX XXXX credit cards, and XXXX XXXX credit card. I sent them a request for the verification of the documentation they have on file for these creditors per section 611 ( 5 ) ( a ) of the FCRA. But they continue to report the information would providing me with the proof of " signed documentation '' from their systems. I sent the letter certified letter return receipt on XX/XX/XXXX and I also faxed it on XX/XX/XXXX. Verification only required a 15 day turn around by law and none of the XXXX reporting agencies have responded to my request. Thank you for your time and consideration.

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 2017-03-14
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have sent certified mail four times to Experian ... I 've been disputing UNVERIFIED accounts on my credit report. I 've followed their protocol request to contact creditors per my phone conversation with Experian dispute department on all unverified creditors. Every creditor have advised me that they do n't and will not contact credit bureaus under any circumstances ... They only give information once bureau requests info from them. If this is the case why Is n't the requested information I 've been requesting honored ... This inaccurate/derrogatory information is sincerely hindering my ability to refinance my properties which ballon payments are coming due in XX/XX/2017. I 've been fighting with Experian since XXXX of this year 2017. They 've not addressed any/all the derrogatory information in my credit report as of XX/XX/2017. I 'm requesting assistance in this delicate situation. Thanks.

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 2015-07-25
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a BP credit card that was serviced by XXXX XXXX, I had no problem during the entire time I have used the card. The card was transferred to Synchrony Bank. I set up auto pay for the full balance on Synchrony 's site but as the due date approached I could n't see that an auto payment would occur so I made a manual payment for the statement balance. The auto pay was also deducted. I called Synchrony to have one payment reversed and was told I had to provide a bank statement from my bank showing that XXXX payments had been made! Synchrony bank claimed that the refund department had no way to see a duplicate payment and they expected me to provide proof of a duplicate payment! The agent also said that I could NOT have a payment reversed as there had been charges made on the card after the statement closing date and I could only receive the excess after my current charges were deducted.

Company response to consumer: Closed with monetary relief