BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-25
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Background : this is my third attempt to correct this. I will proceed with legal action next. On  XXXX   XXXX   Blake Whitt  placed a collection on my credit report without properly notifying me according to FCRA, at least 5 days before. The collection agency claims I received mail on  XXXX   XXXX ,    2017  but did n't show proof of delivery via certified mail or neither will they tell me which address they sent this mail too. No phone calls were ever made by the company to try and collect on alleged debt to me. No notice was served at all. I do n't even know who the debt is from or why it was collected. I sent out a letter requesting a debt validation to the collector via mail which they have failed to reply with EVERYTHING I ASKED FOR ON THE LETTER. You provided me a copy of a lease which is not proper validation. I asked for several other documents including your license to collect in Texas and as  XXXX   XXXX . Please remove this debt from my credit report that was wrongfully added. This has damaged my report by  XXXX  points right while I am in the process of getting a home. If debt is not removed I will proceed forward will suing the collector and the credit bureau. I have a   XXXX   XXXX   XXXX   XXXX   for the  XXXX   XXXX  and this had affected my clearance which will entail affect my job! I will Be seeking legal action next.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
In XXXX XXXX my son leased a XXXX XXXX XXXX from a dealer in XXXX Fl. Because he was just starting his career they asked that I cosign the lease. My son put $ XXXX down and agreed to pay {$270.00} a month. On XXXX XXXX, XXXX my son passed away suddenly. On XXXX XXXX I spoke to Chrysler Capital and explained that my son had passed away. They asked for a death certificate which I sent along with all my contact information so they could send all correspondence to me going forward. I never heard from Chrysler Capital and on XXXX XXXX I stI 'll have not heard from them. However I have my credit monitored and the service sent me a notice that Chrysler Capital sent a late payment notice in to the credit bureaus which lowered my FICO score XXXX POINTS. I never got any notice or phone call nothing that there was a late payment due. I never heard from them by mail nothing. I contacted Chrysler Capital and they said they do n't have to notify me or invoice me nothing. Because I was the cosigner I am obligated regardless of the circumstances. My son never missed a payment for close to 20 months. He put $ XXXX down. I have paid the lease off, which if they had contacted me I would have done that day!! How can an organization like Chrysler Capital ruin the credit of a cosigner on a loan without giving them the opportunity make the payment or dispute the charges!!! How can the credit bureaus take what they say as the XXXX truth. Help..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had a Capital One credit since XXXX. On XX/XX/XXXX I made a credit card payment electronically directly from my Capital One Checking account into my Capital One credit card account. XX/XX/XXXX I personally went to the CAPITAL ONE bank branch at XXXX XXXX XXXX XXXX XXXX and withdrew {$100.00} from the Capital One ATM inside the bank branch then went directly to the Teller window and paid the {$10000.00} toward my credit card. That was a total of {$700.00} paid on XXXX XXXX. My credit card due date for my credit card payment is the XXXX of each month. My {$700.00} a day before my schedule monthly payment date. For two { XXXX } days I saw no reflection of my two ( 2 ) credit card payments. I called the Capital One Bank and spoke with the credit card department and asked about my two ( 2 ) credit card payments totaling {$700.00} on XXXX XXXX?? the Credit card department told me on XX/XX/XXXX that I had insufficient funds and my {$600.00} electronic payment from checking account was returned. On XX/XX/XXXX I had {$2500.00} wired to my checking account. the next morning I had the {$600.00} electronically deposited into my credit card account. Capital One bank charged me interest and a late fee for XXXX, XXXX then again late fee and interest fee for XXXX. Capital One says they did not post my payment until XX/XX/XXXX. I paid my credit card ahead of schedule with more than sufficient funds in my checking account. Capital One could not have [ possibly returned my {$600.00} if I had insufficient funds that's a blatant lie they refused to acknowledge that my payment was made on XX/XX/XXXX. Capital One has extorted me for late fees and interest two ( 2 ) months, ( XXXX & XXXX ) in succession. Capital One now continually calls me about my overdue account. Capital One bank has fraudulently charged me late fees and interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Experian Information Solutions Inc.
State: SC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 non-monetary relief
Consumer complaint received 2022-03-28
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
14 calls between XXXX and XXXX. 
Told multiple times to stop calling before and after. 
No call reference numbers and absolutely atrocious customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-22
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In the midst of this COVID-19 outbreak. Discover Card/Discover Bank has conveniently decided to increase its late payment fee to {$40.00} dollars. Discover has done this knowing fully well that many persons will not be in a position to make there payments on time due to the economic effects of the COVID virus on them. 

Discover has done this to benefit itself. XXXX its customers to enrich itself in this time of social and economic peril.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Billing statement

Complaint:
I purchase a product from Home Depot using their credit card. I received the statement and made the payment of {$15.00}. The money was taken out of my account on XXXX XXXX. The next month I received a bill from Home Depot indicating that I owe them {$17.00}. I thought I called them about this. I received another bill the next month from Home Depot saying I now owe them {$37.00}. I called them yesterday questioning why I owe them when I paid my payment on time. The last day to pay on time was XXXX XXXX. Home Depot say that they did n't credit my account until XXXX XXXX so I was responsible for the late charge. They were willing to waive only XXXX, but say it was their company policy not to waive XXXX late charges in one month. I indicated that there should n't have been a late charge since I made the payment on time and it was taken out of my account in time. I do not believe that I should be responsible for them posting it to my account late and being penalized for it.

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 2016-09-16
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I closed my credit account and paid in full. A purchase came through after the account was closed - which was fraudulent. The purchase amount was around {$15.00}. I attempted to report the fraudulent purchase over email and the over the phone and was unsuccessful 5 times to either stay on the phone with customer service ( disconnected twice ) and over email they would not allow me to resolve. At this point - I have paid the balance in full - multiple times. So that {$15.00} purchase amounted to over {$150.00} in fees for late payment. It seems out of this world. Although they said that the amount while under dispute would not accrue interest or fees - that is not how this has been handled. I just wanted to close my 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 monetary relief
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After dealing with XXXX XXXX on a Auto loan incorrect reporting to the credit bureus. Loan was Paid off in FULL XX/XX/XXXX of XXXX. They are marking XXXX of XXXX Payment late even though I had spoke with multiple XXXX on phone over weeks leading up to sale of truck that I was in process of selling truck and it would be paid in full. Truck was sold on XX/XX/XXXX I called XXXX XXXX that day ( XX/XX/XXXX ) to ask if I should make XXXX payment being it would be 30 days on XX/XX/XXXX. Their response was it was not needed and they will make note of account to state vehicle had been sold and payoff was being sent. This didnt happen and 30 day late mark went on my credit EVEN though before it was reported as " late '' they recived full payment for the vehicle before they marked it as late, I got the alert around XX/XX/XXXX and by that time they had already had full payment for the truck. And the payment the are marking late is the last payment which was included in the Payoff. I was never late on any payments to them leading up to this, I kept in contact with them to make sure nothing would be marked late and even offered to make payment day of to avoid a 30 day. I was assured it would be noted on account that vehicle was paid off in full and assured no negative marks would happen. After speaking with them again and again I am told that those " cutomer services reps '' do not have the authority to make those calls. Well when I am told by a rep of their company the above how am i suppose to know I need to go to a different person that makes that decision when it was never offered to me. I have spoke to multiple people now at XXXX XXXX and they all tell me they agree with what happened wasnt right, but they cant change what was reported. Attached is a copy of the sale of Truck on XX/XX/XXXX For the XXXX XXXX XXXX They have also reported to the XXXX bureaus incorrectly/different on what month. Than on XXXX shows paid as agreed XXXX it shows it was XXXX payment Experian Shows XXXX XXXX Shows " Paid, Closed ; was Paid as agreed ''

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 2020-03-22
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter ( post card actually ) from Credit Management L.P. at XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. Phone number XXXX. Reference # XXXX. They claim I owe {$850.00} to XXXX Internet Cable and Phone. 
I have never had an account with XXXX, nor is XXXX even available in my area.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: WESTSTAR MORTGAGE CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I refinanced a home with XXXX XXXX Westar Mortgage XXXX In XXXX I got a notice saying Westar sold my loan to XXXX XXXX XXXX. In XXXX I began making payments to XXXX because that is who I thought the loan was through. In XXXX of XXXX Weststar reached out to me and said that I am two months delinquent on my payments. I did not realize the XXXX payment was supposed to go to Westar instead of XXXX. I informed Westar that I have been paying XXXX and they said it would be my responsibility to recover that payment from them. They stated in writing that I had until XX/XX/XXXX to submit the payment or they would report it on my credit. On XX/XX/XXXX I received a letter that they are reporting my account delinquent, even thought they previously said I had until XX/XX/XXXX. Payment was made to Westar on XX/XX/XXXX. They stated that they would make the correction once payment was received even though it was reported prior to XX/XX/XXXX as they had originally stated. On XX/XX/XXXX Westar was still reporting my account as delinquent. They submitted a second letter stating that they were removing the reporting. I believed this issue to be resolved. On XX/XX/XXXX I began to refinance my personal home. When credit was pulled Westar was still reporting our loan delinquent on my wife 's credit. I contacted them and they stated it was an automated error in their system. They submitted a letter stating it would be removed from her credit report. Today XX/XX/XXXX, 31 days later it is still reporting.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX I had called to a representative about the reasons for the overdrafts fees that had occurred on my checking account. The representative agreed that the charges should be credited to my account. She went through the charges that were on my account and credited the full amount in which she said she was to credit my account. I thanked her for her help and told her I didn't like the way XXXX  charges their consumers to keep them in debt and that I would like to close my account. On XX/XX/XXXX I receieved a statement to my email from XXXX  showing the credits I had spoke with the representative about and it also included my balance as of XX/XX/XXXX as XXXX ( the date I also closed my account ) I spoke to a rep in the recovery department at XXXX XXXX XXXXwho stated the account noted now say the account has been charged off because I had a transaction added to my account XX/XX/XXXX from the bank for a charge off of XXXX in which I have a statement and call where this was credited along with other credits to my account on XX/XX/XXXX and after account was closed a balance pops up XX/XX/XXXX I have received no notice or any information about a balance especially when I have received my last statement with balance at XXXX. I did not close my account until I had a XXXX balance. Its is being reported that I have an unpaid amount of XXXX which was included in the credits of my previous call to XXXX  and that the account was charged off in which the account was still open and at a XXXX balance at time of voluntary closure

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 2022-03-28
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I graduated from XXXX XXXX XXXX in XXXX of XXXX. I began making payments to XXXX XXXX XXXX in XXXX. I am unable to find my payment history from XXXX until XXXX of XXXX. As a result, I was denied forgiveness through the XXXX program. I recently found payments from when I was with XXXX and have just uploaded those to Fed Loan Servicing. But the payments from prior are missing. I have XXXX payments counting toward forgiveness and XXXX ineligible so I know that these payments were made. My account states " no payment due '' from XXXX through XXXX. That is inaccurate as I made payments. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
City bank claims that I owe {$1600.00} on a XXXX Credit Card ending in XXXX. 
I have never received this card, I have not validated or registered it, OR used it by their own records.. 
Repeated attempts to find out where the charge was generated has failed. I have chosen to pay the card off, but I am sure they will attempt to extort more money from me in the future. 
I do have an active City Bank Card ending in # XXXX which is paid off monthly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2015-05-11
Company: CITIBANK, N.A.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have already written to you to dispute with Citi Bank, but they are not listening! They turned around with a ridiculous response and unless they fix this, I will sue over errors and misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
BANK OF AMERICA did not contact me. 

I am attaching the relevant document. This is an addendum to the prior case filing, out of an error in the filing. Thank you. This is not a new filing.

$XXXX is insufficient, given what is attached. 

"In addition to seeking redress under the FDCPA, the CFPB said that it is using its authority to regulate unfair, deceptive, or abusive acts and practices (UDAAP) in the financial marketplace under the provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act."  

Please see attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
TransUnion ( File # XXXX ) I received Investigation Results from TransUnion dated XX/XX/2020 in response to a Public Record Dispute I submitted in XX/XX/2020. TransUnions results list the Public Record as VERIFIED AS ACCURATE, which I know to be false and unsubstantiated. I have a letter from the US Bankruptcy Court NJ confirming they do NOT provide verification to any entities ( attached ). Furthermore, I also disputed the Public Record with XXXX with the evidence/supporting documentation I received from the Bankruptcy Court and XXXX has since DELETED the Public Record from my data report ( letter attached ). TransUnion, XXXX, and other consumer reporting agencies look to XXXX for verification and, despite this, TransUnion insists this item was verified. And, this is not the first time Ive disputed this particular issue. 
XXXX XXXX ( Confirmation # XXXX ) I  received Investigation Results from XXXX  dated XX/XX/2020. XXXX  mentions on their Web site that Public Records are verified by a third-party vendor, XXXX. XXXX has DELETED the Public Record from my consumer data report ( letter attached ). I submitted this proof to XXXX  and asked that they do the sameDELETE the Public Record from my Consumer 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 2020-03-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
See attatched XX/XX/XXXX STATEMENT. Ms XXXX of executive resolution dept confirms ALL HIDDEN INTERNAL CALCULATIONS ARE CORRECT BUT STATEMENT READS DIFFERENTLY. 
My calculations BASED ON STATEMENT XX/XX/XXXX.OF THE {$2.00}, XXXX OTHER CREDITS {$1.00}, XXXX WERE REVERSED CREDITS ** THAT RESULTED IN NEW PURCHASES UNAUTHORIZED {$340.00} XX/XX/XXXX {$470.00} ADJUSTMENT TEMPORARY CREDITS OF XX/XX/XXXX ARE NEW PURCHASES BACK ON CARD XXXX DISPUTES NOT IN MY FAVOR ARE NOT NEW PURCHASES see attatched statement XX/XX/XXXX.total $ XXXX.and then {$12.00} {$110.00} {$170.00} XXXX NOT NEW PURCHASE {$75.00} REVERSALS TOO {$200.00} XX/XX/XXXX {$280.00} XX/XX/XXXX ARE ** NOT NEW PURCHASES AUTHORIZED BY ME. EITHER. THEY TOTAL {$1.00}, XXXX ARE NOT NEW PURCHASES. see attatched OTHER CREDITS {$2.00}, XXXX MY CALCULATIONS BASED ON THIS STATEMENT ARE : BAL {$1.00}, XXXX - MINUS {$2.00}, XXXX OTHER CREDITS = -MINUS - {$1.00}, XXXX + REAL NEW PURCHASES I AUTHORIZED {$910.00} = BALANCE OF MINUS - {$600.00}. USAA CALCULATIONS BALANCE IS + {$960.00}??? BIG DIFFERENCE.??? WHY???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation