BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-06
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
On XX/XX/XXXX, I received a voice mail from a lady named XXXX around XXXX and on the voice mail she threaten to take legal action if I did n't return her call by XXXX. She left XXXX numbers on the recording : XXXX and XXXX. Because of the threating tone, I told my XXXX husband, XXXX. I provided him with the phone numbers because I was experiencing mental anguish over the nature of the call and had not gathered my composure. He called and XXXX XXXX answered the call. XXXX XXXX was rude and told me that she was calling about the debt associated with a discover card account # XXXX in the amount of {$2900.00}. I indicated that we both had experienced episodes of identify theft and I would like to speak to her supervisor. At that time, she placed me on hold and I was able to speak to XXXX XXXX XXXX. I asked XXXX XXXX when was this debt incurred and she stated that the account was open on XXXX and closed XXXX. When I asked XXXX XXXX why was she attempting to collect a debt over eleven years old, she stated that her company just got the account. When I told her that she was not following federal guideline as a debt collection agency, she became irate and evasive. I asked to proof her identify by reciting her driver 's license and she refused. I told her that she had not validated the debt. I told her to show proof that the debt was assigned to her collection agency along with the date and by whom. XXXX XXXX hung up the phone. In fact, the phone was hang up on me XXXX or XXXX times each time I called back. After getting off the phone, I told my XXXX wife that someone is conducting an illegal investigation into our credit background. I asked my XXXX wife did she know anything about the debt and she told me that that account was dissolved in bankruptcy court in XX/XX/XXXX. After this incident, I researched this collection company, XXXX XXXX XXXX, and found the owner to be XXXX XXXX and that the company was bonded XX/XX/XXXX. As with a similar complaint on file with your agency # XXXX, this above named collection agency had no legal standing to attempt to collect a debt that was already liquidated and well out of the statute of limitations. Please have XXXX XXXX provided his occupation over the past twenty years and the name of the individual, his affiliation, his company, the creditor who forwarded this account to his collection company. Also, please have XXXX XXXX provide documented proof that this debt was assigned to him by the original creditor, a workable phone number to reach said individual and the driving license number of said person, and again the date that this debt was assigned to his company. The request for a driver 's license of the person who transferred this debt is significant because we believe that this is a bogus and fraudulent attempt to collect a debt and it violates the fair debt collection practices. 

XXXX XXXX and XXXX " XXXX '' XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Stuart-Lippman and Associates, Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
collection agency sent a letter demanding payment for alleged amount I do n't own to auto insurance company. I sent a letter with notice of dispute and requested verification of debt. In response i receive a letter from collection agency that stated " documents can be requested from debtor by contacting the customer service center ''. This does not comply with requirement of debt verification under state and federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a credit card with Synchrony using an authorization code. The Authorization code was received in the mail addressed to me. I was approved using this code and once I received the first statement, the promotional APR period was different than what was advertised using the promotional code. The promotional code was for 0 % APR through XX/XX/XXXX and my statement lists the promotional code through XX/XX/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 2017-09-09
Company: EQUIFAX, INC.
State: CA
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:
My information has been compromised in the Equifax data breach. Hackers now have all my information, including name, social security number, and birth date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi my name is XXXX XXXX I sold my property the end of XXXX XXXX of this year paid my XXXX XXXX   bill like normal did not know I still owed some money to this company.. never received any statement saying I owe them more money.. The amount was only {$58.00} but a time I got this bill from Financial Credit Network to my new address this bill was already in collections I paid the amount.. contacted the company respectfully told him to delete this collections off my credit report.. they said that they wouldnt take it off my account that I needed to prove that I forward my mail to that current location.. The lady from this company was pretty much telling me that she needs an exclamation why was I hiding to pay this bill.. when I told her when I received this bill I contact you guys and paid it in full. So I am respectfully requesting a letter from Financial Credit Network stating that the negative credit information ( from Financial Credit Network ) will be removed with the credit reporting agencies.

this is the number to this company XXXX XXXX XXXX XXXX. PS thank you..

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 2020-05-21
Company: Experian Information Solutions Inc.
State: NV
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:
Experian did not answer DIRECTLY TO THE COMPLAINT file Number XXXX. Experian bounced around the DIRECT problem. The complaint was not if I was the individual filing the complaint. The complaint was that the US Bankruptcy that is reporting on my credit report is not of mine and that Experian DID NOT " VERIFY " ANYTHING WITH THE US BANKRUPTCY WHICH IS THE FURNISHER AND XXXX XXXX IS NOT THE FURNISHER. XXXX XXXX FILE IS FROZEN DUE TO IDENTITY THEFT! THE FRAUD DEPARTMENT AT EXPERIAN WAS RUDE AND ALL I KEEP GETTING IS ITS BEEN VERIFIED. I RECEIVED A CREDIT REPORT STATING XXXX XXXX VERIFIED THE BANKRUPTCY. I HAVE DOCUMENTATION THAT XXXX XXXX  DID NOT VERIFY THE BANKRUPTCY THERE IS IDENTITY THEFT ON MY FILE WITH XXXX XXXX. Experian are LIARS! I have seeked legal representation for this situation and i will be suing for pain and suffering and a host of other things! THIS IS UTTERLY RIDICULOUS! IT IS A WASTE OF TIME TO FILE A COMPLAINT WITH CFPB!

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 2022-08-17
Company: Experian Information Solutions Inc.
State: GA
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:
There are inquiries on my credit report, that do not belong to me and are deemed fraud. These accounts do not belong to me. I have reached out to XXXX, Experian and XXXX to rectify the fraud accounts. These fraud accounts are hindered me and I need them removed asap. Below are the accounts which are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-17
Company: EQUIFAX, INC.
State: LA
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: DISCOVER BANK
State: NC
Product: Credit card
Issue: Rewards

Complaint:
I applied and was approved for discover credit card XX/XX/2015. XX/XX/2015 Discover started a double cash back bonus promotion. Basically at your one year card anniversary the dollar amount of cash back bonus that you have earned would be doubled by Discover. So at my one year anniversary I noticed my cash back did n't double. I called Discover and asked about it They said that all card members were notified by email or by mail XX/XX/2015 giving them the chance to opt in to the promotion. I never received notification. Why would anyone turn down the chance to double the cash back? Why did n't Discover just enroll all of its eligible customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
I disputed a charge on my Bank of America credit card and provided copious documentation to support my dispute. BOA denied my dispute without requiring any information from the merchant OR providing me a valid reason why the documentation I provided was not sufficient. XX/XX/2016 I ordered an engraved cremation urn. Merchant engraved incorrectly. In my order I requested the name to be in ALL CAPITALS. Merchant did not do this. I initially tried to resolve with the merchant who refused to call me back or respond to emails, which necessitated the dispute. In my dispute I provided BOA a copy of my order which detailed the engraving request and pictures of the item received which CLEARLY show that the name was not engraved in all capitals. I also provided an outline of all my attempts to contact the merchant. BOA initially removed the credit card charge, but then requested that I find a third party expert to inspect the urn ( in person ) and provide written documentation to support my dispute. I responded to BOA, in writing, that this was not reasonable ( I did not know a local merchant who specialized in urns or who would be willing to get involved in my credit card dispute ). I outlined all of the documentation I had previously provided. I also asked BOA to provide me with the merchant 's response to my dispute, in addition to any documentation the Merchant was requested to provide to support that they fulfilled my order as requested ( to date, the Merchant still has not provided me with the item I ordered, for which I was charged {$140.00} ). Without any response to my written response/request for information, BOA arbitrarily denied my dispute. In summary, my complaint is that BOA did not demonstrate due diligence in their " investigation '' of my dispute. They totally disregarded the documentation I provided, they did not respond to MY request for information regarding their investigation of my dispute, they did not require the Merchant to provide documentation that my order was fulfilled as requested and overall did not protect my rights as their customer.

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 2017-02-11
Company: Navient Solutions, LLC.
State: CA
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:
If i knew my repayment options and that I could even make XXXX payments a month i would have done it.all i got was emails stating if i wanted to use the forbearance option type something and my loan was extended,. I recently made the call myself to find out what was going with my loan and came to found out im 3 times more in debt. i have been so stressed out thinking about how i will pay.i wish i was told about how much loan amount was increasing due to forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: DISCOVER BANK
State: OH
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:
On XX/XX/2019, I got a EIN number from a website impersonating the IRS and paid {$240.00} with my discover card. Within 3 days I realized I had been scammed and I reported it to Discover card to dispute the transaction. Discovered failed to refund my money even though I was scammed and placed a prompt chargebacks on my credit card within 3 days. 

My name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: DISCOVER BANK
State: MN
Product: Credit card
Issue: Billing statement

Complaint:
I check my balance today at Discover it it displyed the following ( information also in the from as an attachment from the website ). 

Last Statement Balance : {$310.00} Recent Transactions : {$850.00} Recent Payment and Credits : - {$0.00} Current Balance : {$1400.00} I am not sure how you do that math. How can you add XXXX to XXXX and arrive at XXXX? That is just incorrect and Discover is trying to deceive customers. How are they off by {$300.00}? 

Now Discover might state that it is because of Pending Transactions. However, that is not true. Also included in the transaction is all of the current Pending Transactions. You will notice that this total is {$59.00}. So I will give Discover the benefit that my current balance may include pending transactions but that still means there is a difference of {$240.00}. Additionally, Discover gives the definition of Current Balance to say " Your Current Balance is the total of all transactions posted to your account as of the previous business day. '' Please note the key words of POSTED and that there is no mention of PENDING in that statement. This information can be found at Discover.com. I understand that there are some merchants that can impact the Available Credit ( i.e. Hotels, car rentals, etc. ) But as stated on their site, this will affect the Available Credit and NOT the current balance. Current Balance seems like a pretty easy calculation and they even lay out that calculation on the website as seen in the attachment. 

This needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
They are trying to force me to set up automatic payments by saying that starting XX/XX/2018. Any one time payment on the website or their app will be charged a {$3.00} fee. To avoid the fee I must set up automatic payments OR mail in the payment by using a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: LA
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've tried to get these issues fixed on more than one occasion. I've also sent a complaint to my local Senator 's office because I'm not getting any results. What's most upsetting is, that I've sacrificed my life for this country, and now a XXXX Veteran is being treated unfairly in my country. I asked for an investigation that was not thoroughly completed. I sent letters out on XX/XX/2022 ; XX/XX/2022, and XX/XX/2022, to XXXX, XXXX, and Equifax. Here is my tracking XXXX ; XXXX ; XXXX. However, the credit bureaus said they completed the investigation and everything was 100 % accurate.

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 

How did they complete this investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I lost my debit card in business in XXXX. After calling Citibanks customer service center in the XXXX  ( no choice ) a new card apparently mailed. But no card arrived. XXXX citibank. They refuse to send a new card unless I mail an apostilled request for a card to the US. From XXXX. Physically impossible to perform this task in XXXX. Citibank actively preventing me From accessing my account and refusing to provide an alternative l.

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 2017-01-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Ive been garnished through my income for multiple loans issued first by XXXX XXXX, then serviced through Navient and collected through some debt firm called XXXX. These are multiple private loans Navient has claimed are mine. Through their goons at XXXX, they have claimed to serve me, get a judgement and issue a garnishment, all without my knowledge. Now, the courts have told me I need thousands spent to file papers to state I was not served properly. I think this whole process is duress, as I was intimidated from the start. Now they collect almost {$200.00} per check from me for these loans they are claiming are mine, which I never was able to fight.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We took our child for a XXXX  service at the XXXX XXXX XXXX on XX/XX/XXXX. I have my health insurance which should cover the cost completely. However, the XXXX XXXX failed to file the doctor as in-network, which resulted in an additional unpaid charge on us. 

At the time of service, we were told they would fix the doctor-out-of-network problem. That was not fixed and we ended up owning them {$220.00}. However, upon the next two visits of the XXXX XXXX in a month or so, they never told us we actually own them money. Instead, they sent the debt to a collector ( Allied Business Service ) on XXXX XXXX, XXXX, and updated it on XX/XX/XXXX and XX/XX/XXXX ( reduced to {$110.00} which I have no idea how that happened ). The XXXX XXXX XXXX called us ( my wife answered ) on  XX/XX/XXXX as a " complaint response, '' but we never filed a complaint. I only figured out the debt when looking at my credit record in XXXX. 

I visited the XXXX XXXX in person on XXXX XXXX, XXXX. The person told me we they would look into it and contact me. I called again in late XXXX or early XXXX, and was told the same thing. 

So eventually, this episode severely damaged my credit record ( I had 100 % on-time payment of all my credit cards and everything else looks fine ). Despite multiple attempts to solve the problem by visiting them in-person and make phone calls, the XXXX XXXX XXXX still haven't fixed the problem which they originated in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased furniture from Macys and they gave me {$2500.00} credit limit on XX/XX/XXXX. I was making my regular monthly payments and most months double the monthly payment. I was in good standing and abiding to my credit agreement. Without notice they lowered my credit limit to {$2100.00} which put my account in over the balance. As of XX/XX/XXXX my outstanding balance on account is {$2600.00} and that's after making payments that have increased from {$24.00} per month to {$100.00} per month. I called to talk to customer service and they said they just randomly checked my credit in XX/XX/XXXX and my credit score had dropped. I had just bought a new car at that time. They were not willing to reinstate my credit limit and basically extorting all the previous payments I have made towards the balance on this account for the past 16 months and then some with interest and late fees. Macy 's is ruining my credit. This can't be legal. I have never had a credit card company lower my credit limit to purposely cause my account to go into over credit limit so they can get more money with late charges and fees!

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