BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On Friday XXXX XXXX, 2015 we called Capital One home mortgage in response to an unsolicited e-mail for a home mortgage. XXXX XXXX XXXX took all our personal information, stated he never saw such great credit scores from a married couple and issued us a prequalification letter to take to XXXX while looking for a vacation home to purchase. He invited us to telephone him at any time for assistance. We found two homes and our first choice was on leased land. We telephoned leaving a message for XXXX XXXX. Would leased land disqualify us. In his outgoing message he ask that we also send an e-mail. We did this also. We never heard from him and had to leave XXXX for home in XXXX as our allotted time was over. The week of XXXX XXXX, 2015 we telelphoned XXXX XXXX XXXX, the supervisor of XXXX XXXX and left a voice mail asking him to contact us. On XXXX XXXX, 2015 a women telephoned us and identified herself as a " concierge '' from XXXX home loans. She was following up on our app " to help us with the process '' and not responding to our attempts to contact loan officers. She said XXXX XXXX was in the office this day but not at his desk. She stated she would have him call us upon his return. He did not. On XXXX XXXX, 2015 I called the general phone no. for XXXX loans. I talked to XXXX and told him this story and that no one had ever made contact with us. He promised a supervisor would call us this same day. No one has ever contacted us. We lost the opportunity to purchase either of the home we wanted not to mention the hundreds of dollars we spent in our quest. Our advise to all others ... .stay away from Capitol One Bank or be sorely disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry reporting on my consumer report is unauthorized. There also was no consumer benefit from this inquiry. 

XXXX XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: BARCLAYS BANK DELAWARE
State: VA
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:
Advertised an XXXX XXXX card on the XXXX app. Contained FAQs to the card 's benefits and rewards system. After using the card, found that rewards were NOT points that could be redeemed for cash back, statement credit, or gift cards. Rewards was ONLY available as credit on the uber and uber eats app. After contacting Barclays, I was told the rewards program was being suspended as of XX/XX/2020 and that I had *actually* applied for the XXXX XXXX card and that because of this all my rewards would be uber credits. I asked if they could do a one time statement credit in light of the misleading advertising and the fact that the rewards card FAQ was still the information being displayed in the XXXX app. They told me because the information was in the fine print of the terms and conditions, they would not grant my request. I now have about {$120.00} in " XXXX dollars '' that I didn't need, and the XXXX rewards points I was expecting to be able to redeem are non existent.

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 2022-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am coming to you to talk about an account listed under my name and social that I noticed is not mine. I have sent several letters to the company and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted via certified mail XXXX, XXXX, and Transunion 5 different times. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company.

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 2020-06-19
Company: Certegy Holdings, LLC
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I tried numerous times to cash my check at XXXX and XXXX establishments. Then I tried cashing my check it would return my check in print out a receipt stating that I could not cash my check and that I would have to call Certegy company to figure out why they are not cashing my checks.

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 2022-07-26
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Resurgent Receivables LLC elicited a company by the name of XXXX XXXX XXXX XXXX to attempt to collect a debt from me that I do not owe them. 

XXXX XXXX XXXX sent correspondence to me dated XX/XX/2022 that I received in the mail today XX/XX/2022. The correspondence states that Resurgent Receivables LLC is the creditor of the account. And that I owe them money. This is false, misleading, and deceptive statement. I do not and have not ever entered into a credit contract with Resurgent Receivables LLC for any debts. 

They are not the original credit of the debt they are attempting to collect, and the laws are very clear about Collection Agencies dealing in false, misleading and deceptive practices. 

In addition to their false claims about being the alleged creditor, they sent XXXX XXXX XXXX after me to collect on their behalf. 

To add insult to injury, XXXX XXXX XXXX is in violation of North Carolina General Statute 58-70-01 which prohibits them from practicing debt collection in North Carolina without filing a surety bond with the North Carolina XXXX of XXXX 's office. In addition to their violation of NC General Statute 58-70-01, they are also in violation of North Carolina General Statute 58-70-50 which requires them to place their permit number showing that they have a registered surety bond on file on any correspondence they send me. 

XXXX XXXX XXXX 's correspondence dated XX/XX/2022 has no such permit number on it. Under North Carolina law " a person, firm, corporation or association conducting or operating a collection agency without the permit shall be guilty of a class I felony ''. 

I am DEMANDING that Resurgent Receivables LLC delete their inaccurate, un-validated collections from all consumer reporting agencies under my social security number. I am also requesting that they cancel the alleged debts, and cease from selling the debts due to their violation of Federal law that states that " debt collectors are prohibited under federal law from using any false, deceptive, or misleading misrepresentation in collecting a debt '' which they have clearly done. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA. 

If they do not delete the negative tradelines they are reporting under my social security number, I will be seeking all legal remedies afforded to me by law and will have to appear in a venue local to me to defend themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Cash advance fee

Complaint:
I used an online money transfer service to pay for goods or services. I funded the transfer using my Capital One credit card. After several months I noticed that I was being charged a higher rate along with a separate interest charge each month. So I called the customer services department for clarification. I was told that I was being charged the extra fees for a cash advance. I told the rep that the info was incorrect and that I had never had a cash advance. They transferred me to a supervisor for better assistance. The supervisor told me that when I used the money transfer its considered a cash advance. I told her I never received any cash to me. At this time I was still trying to process the info and research to see if that information was correct. I started looking at my agreement with Capital One, and there explanation of fees. I could n't find anything that states that a online money transfer service is considered a cash advance. What I did find on there website that say 's understanding credit card terms. " A cash advance is not a regular credit card charge. A cash advance allows you to withdraw cash from an ATM, bank or by using checks given to you by the issuer for use when paying with your card is not an option. Be aware that while a cash advance may be useful in an emergency, it is usually expensive. You may be required to pay a transaction fee as well as finance charges. '' After further research online I found several sources such as money.XXXX and source : XXXX XXXX XXXX XXXX. They state the following ; " Fortunately, if you do use a credit card to apply funds to an online money transfer, credit card companies view it as a purchase, not a cash advance, because the money is not going to you. As far as the credit card company is concerned, you are purchasing a service. This is far more economically sound than using a credit card cash advance '' After finding several sources that explained this I quickly called back the supervisor and ask them to remove these charges. She declined with no explanation. I asked her to provide me where I can find on our agreement or on there website that justifies theses charges. She could not provide. I told her of my findings and explained that I purchased a service and that no cash was given to me. The supervisor told me that Capital One could do whatever they wanted and I could n't do anything about. I did n't have the means to fight with Capital One legally. I could n't believe what I was hearing. I 've never seen a company charge customers what ever they want and not have an agreement to back it up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My living spaces/synchrony bank store credit card was closed out with a balance on XX/XX/22. I have never missed a payment, made large payment to pay off balance before the promotion expires. Synchrony has failed to notified me of the closing of my account, two statements were sent to me XXXX for XXXX and XXXX for XXXX but no closing account letter. I called them today, XX/XX/22 to ask why the acct was closed and was the account sold to a new creditors. The agent had no answer to my questions besides saying even tho the acct is closed I must continue to pay my loan because I agreed to pay it, which is correct however I didnt agree to my account closing and paying on a closed account balance which may have a negative impact on my credit. Scnchrony bank is shady and bending laws and regulations to meet their shareholders expectation and not the consumers. Im requesting an investigation into this banks policy and practices and lack of notification for closing an account

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 2019-12-30
Company: Professional Placement Services, LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
At XXXX XXXX ( CT ) an employee of Professional Placement Services call my cell phone, said, " You're stupid '' and then hung up.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: National Credit Systems,Inc.
State: GA
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:
We were forced to terminate a residential lease early due to a death in the family in 2013. The leasing company tried to negotiate for us to pay for the house until they re-rented it - we did not agree, however, they proceeded as if we did. We paid two months rent, plus they kept our deposit, and instead of applying it to the termination fee, they tried to collect two additional months of rent and a cleaning fee. We have refused to pay it, since it was incorrectly calculated. They have refused to discuss it with us, maintaining it " meets FCRA requirements ''. Now, their most recent antic is to change the date on the report, so it looks like we started paying on it - we have not, nor have we negotiated any kind of settlement. The inconsistency of their reporting across the XXXX bureaus alone disqualifies this debt from meeting FCRA requirements. Their failure to provide any written proof of the debt is another.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached and FTC report with an account and inquiries I did not authorize

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 2016-08-19
Company: ERC
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Phone service was suppose to be disconnected. Because I was lied to about services offered. They waited longer period of time to disconnect and then wanted to charge me more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: Experian Information Solutions 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:
This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had a car that was totaled an my insurance paid it an I had gap insurance the car got paid for an they have put it on my credit XXXX  had it removed from XXXX an XXXX but experian is saying they investigated it but clearly they didnt because they removed from the other ones so why can they not find out that it is false 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 explanation
Consumer complaint received 2015-12-28
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A representative called me from ARA INC stating that I owed a debt from XXXX XXXX and that they were going to sue me if I did not pay them {$16000.00}. I did not know about this debt, so the representative said he would transfer me to the fraud department. After sitting on hold for over 10 minutes, I call back the number that called me ( from the caller ID ), talk to the rep again and he then transferred me again. The man that answered said the debt was from 2005 ( over 10 years old ) and said " You must have been transferred here because you do not want to pay ''. I said if this debt is from 2005, it is over 10 years old and is a time barred debt ( Cal. Civ. Proc. Code 312 et seq. ) so he can not report it, nor can he sue me for it. He said he was from a legal firm and would see me in court and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
I have XXXX Collections showing on my credit report XXXX. XXXX XXXX and XXXX. XXXX XXXX. I have requested proof of these belonging to me. After 3 requests I have received nothing except an explanation that they are valid. XXXX XXXX has notified the bureau of a {$1.00} increase and then a {$1.00} decrease causing my score to fluctuate numerous times through the month. This is very frustrating that this is being allowed and no proper investigation has been completed. Attached below are screenshots of the notifications from the bureau. 
XXXX - XXXX XXXX balance increase of {$1.00} XX/XX/XXXX XXXX XXXX XXXX  balance decrease of {$1.00} XX/XX/XXXX XXXX XXXX XXXX  balance increase of {$1.00} XX/XX/XXXX - XXXX XXXX  balance decrease of {$1.00} There has been ample time to properly investigate and provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14
Company: Global Payments Check Services, Inc.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft has never wrote a check anywhere in Illinois, but I have representatives from Global Payments Check Recovery Services , Inc., calling and harassing me about a debt, I do not owe. Someone has stole my identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2018-12-01
Company: AES/PHEAA
State: MS
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 disputing with XXXX XXXX  for over a year. Ive filed disputes with XXXX, XXXX, XXXX and XXXX XXXX. XXXX  deleted XXXX a inaccurate accounts all together but XXXX is still reporting late payments on my credit files with XXXX  and XXXX. They are reporting a 90 day late payment in XX/XX/2017 and reporting a 120 late payment in XX/XX/2017 but in XX/XX/2017, XXXX is reporting that the account was paid on time. How is it possible that in XX/XX/2017, the account was in good standing showing paid on time and suddenly ONE month later in XX/XX/2017, the account was reported 90 days late. Thats not accurate at all especially since my account was in forbearance. This error shows the negligence of XXXX, XXXX  and XXXX   XXXX. I sent requests for correction to XXXX and they denied it and I disputed with XXXX and XXXX and they both keep saying its correct. This error couldve been caught earlier on if a person did a thorough scan of the account but instead, Ive had to endure credit rejections for over a year due to these inaccurate late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
I have 2 Collections showing on my credit report XXXX. XXXX XXXX and XXXX. XXXX XXXX. I have requested proof of these belonging to me. After XXXX requests I have received nothing except an explanation that they are valid. XXXX XXXX has notified the bureau of a {$1.00} increase and then a {$1.00} decrease causing my score to fluctuate numerous times through the month. This is very frustrating that this is being allowed and no proper investigation has been completed. Attached below are screenshots of the notifications from the bureau. 
XXXX - XXXX XXXX balance increase of {$1.00} XX/XX/XXXX XXXX XXXX XXXX balance decrease of {$1.00} XX/XX/XXXX XXXX XXXX XXXX balance increase of {$1.00} XX/XX/XXXX - XXXX XXXX  balance decrease of {$1.00} There has been ample time to properly investigate and provide proof.

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