BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-18
Company: EQUIFAX, INC.
State: MD
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 hope this will go to a human being and not to a computer. The XXXX XXXX XXXX  account on my credit report shows a lot of inaccuracies such as incorrect credit limit {$0.00}. How can you issue a credit card with {$0.00} credit limit? This is inaccurate but it is on my Equifax credit report! Another inaccuracy is the date of last activity. XXXX   shows that this account was last active in XX/XX/XXXX while Equifax shows that this account was last active in XX/XX/XXXX. This is a huge gap. XXXX is even showing a totally different date. 
Those information from the same data furnisher ( XXXX XXXX XXXX ) are contradicting each other. Don't you see that it doesn't make any sense? It is inaccurate but it is on my credit report. 
The information on someone credit report has to be 100 percent accurate which is definitely not the case here. 
The Federal Credit Report Act prohibits you the credit bureaus to keep inaccurate information on someone credit report. You are violating a Federal Law by keeping inaccurate information on my credit report. I have sent multiple letters to Equifax about this issue but nothing has been done. The last letter that I have sent to Equifax about this issue was on XX/XX/XXXX and Equifax signed the postal return receipt on XXXX XXXX. I have attached a copy of the postal return receipt and a copy of my credit report to this statement. It has now been 121 days, a bit more than 4 months, since Equifax received my complaint and nothing has been done, it goes straight to a computer and the inaccurate information is still on my credit report. At this point, I am gathering proofs that I will use against you in court including all communication that I have exchanged with you on this matter. I am in the process of buying an house and you are blocking me. Having the CFPB involved is another proof that I will use to show that you voluntarily kept incorrect and inaccurate information on my credit report besides my multiple attempts to have that account removed from my credit report. I will also seek damages for the consequences of your inaction which actually prohibits me from buying an house. I am right now filling out the form to sue you in federal court under the FCRA which will award me damages including mental anguish damages, damages for economic loss because of your false reporting I got turn down for an house, punitive damages, my attorney fees the list goes on and on ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Google Compare Credit Cards Inc.
State: PA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hi I am filing a complaint against XXXX XXXX for fraud and abuse of my credit card. This summer I had at least XXXX or more stolen from my credit cards and my bank account. They were only giving me XXXX in credit in which more then XXXX was stolen for in applications on there site. I was only able to get some of that back but there is more then XXXX that needs to be sent back to my account. My bank is over drawn due to this and I am on XXXX and they need to send all my money back. It has been months of complaining about this and they will not send my money back. I did not give theme the right to over XXXX to steal from my bank. It is an online account for games and I would never authorize them to take my money and they refuse to contact me any more. I have complained to my bank and to them and over XXXX total is missing due to fraud and abuse. I went on vacation and it started as XXXX to XXXX purchase and as of months later none of it was returned so I am contacting you for help to get the money back that was stolen from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: Paypal Holdings, Inc
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Sent a cease and desist letter to convergent debt collection agency on behalf of my mother XXXX XXXX who is in XXXX..she has no money and lives on ssi..they continue to call everyday. .throughout the day several times throughout the day as well. .do n't know what else to do. .I 've tried explaining to them her situation but they still are harassing her for money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: Flagstar Bank, N.A.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I fell behind on my mortgage payments due to a permanent loss of income & waiting on a hearing date from XXXX with multiple times of applying or modifications and was denied because of income after 2 1/2 years waiting my disabilty was approved and recieved some back pay.Flagstar Bank had called as usual that week from loss midigation dept and I told them I recieved my back pay and would like to catch my arrearages up at that time they placed me on hold and came back with a total of {$14000.00} and had to be recieved by XXXX/XXXX/XXXX once recieved they would contact attorneys to stop foreclosure proceedings I wired money on XXXX/XXXX/XXXX proceeded to call back as to why money was not posted to my loan this went on as of today XXXX/XXXX/XXXX then I got a call saying I needed to pay {$300.00} before other amount could post. I had emailed to my contact person XXXX XXXX on XXXX/XXXX/XXXX a copy of wired funds no one called and said I owd anymore till XXXX/XXXX/XXXX almost 30 days from the time they recieved my wired funds and the 15 times I called to see why my funds where not posted and no one called attorneys to cancel foreclose proceeding so during that almost 30 days I was scheduled a court date of XXXX/XXXX/XXXX to proceed with foreclosure .This is why I am so upset with the way I have been treated by Flagstar and the uncooperation they have given me and my situation and not willing or trying to find a resolution for my issue I want to keep my home and I have said that from day one what has happened to be is beyond my control but with a little help and compassion the is a resolution that could be established with help from Flagstar.I was aways paid on time until my accident and funds were depleated then they did not care I was just a loan number a property address that they where trying to collect my past payment history should make a difference I was a good paying customer now they draw a blank face to me ... something is wrong with this picture ... ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America has kept on accumulating fees because merchants attempted to take money out of my account. Its been piling up for months and I have no money to pay these fees. I had asked them to block these companies and they told me that itll cost {$30.00} per stop payment, which I do not have.

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 2016-01-26
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted multiple applications for assistance for home retention through Flagstar Bank. I submitted paperwork for loan modification and for information regarding Short Sale because I felt defeated and none of the Flagstar staff was willing to help me understand how I could retain my home or offer me any help. They called multiple times a day harassing me regarding the delinquency of my loan and would not offer me any assistance when I asked about my options. They simply ignored me and moved forward with the foreclosure.

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 2016-01-29
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive 3-4 calls a day from XXXX. Every time I answer, the phone immediately hangs up. 

When I call the number back, a representative says the call is being monitored & asks for name. Representative then pretends that they ca n't hear me when I ask what the call is about. After the rep. says " Hello '' 3 times, they hang up.

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 2016-09-24
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have sent several request to this company asking for removal of this debt if they can not provide me my signature as required by the law. They have answered by mail with a bill but refused to provide a validation of this debt by showing me a signature proving it belongs to me. They are violating the law by not providing me my signature as per my wirtten request

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 2020-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My husband and I recently filed a complaint against capital One for unethical business practices. The day after they froze my checking account for " fradulant activity '' when there was none at all. Now they are refusing to give me access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft )

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 2016-04-05
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Credit card
Issue: Advertising and marketing

Complaint:
My wife & I each applied in late XXXX XXXX for a credit card from XXXX XXXX & Barclays Bank based on an email promotion for XXXX bonus miles. We each met the requirements, spending limits, and full payment on account, but, as of XXXX XXXX, no bonus miles.

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 2016-11-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Creditor agreed to remove my liability from the account and has removed from all CBR agencies.

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 2016-09-27
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card
Issue: Advertising and marketing

Complaint:
i can not get on my website they told me i would only have to get a text one time this is everytime i have XXXX p.c.. no phone account i am just sick of 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 explanation
Consumer complaint received 2016-11-18
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I applied for a care credit account XX/XX/2015 for XXXX. That account was not closed but was paid off. On XX/XX/XXXX I recirved a care credit master card in the mail. Called to inquire because I had never ordered or requested a card. The representative advised me that this account was open for me and card sent because they upgraded my account to a MasterCard. I was surprised to hear that I had XXXX accounts open with them. As I only opened XXXX last year. When questioned, the representative advised me that this second account was opened for me last month. I cancelled XXXX accounts. They were not authorized to open that second account. I am upset by this it appears an employee may have opened this fraudulently without my knowledge. In addition, I was not aware a card was coming so someone could have taken my mail and activated it. This is a very sketchy and unsafe practice. I would appreciate if someone could look into Care Credits business practices for opening accounts.

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 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
This company has cashed a check in regards to this alleged debt owed, and now refused to adhere to the terms that the check was provided under. The check # XXXX, dated XXXX states Acct # XXXX Negotiation of tender settles and deletes debt from credit bureaus. However, this company has cashed the check, and now fraudulently refuse to adhere to the provided terms. The account balance has been updated and they now refuse to delete the account from the bureaus, as agreed upon once the check was cashed snd funds transferred from my account to their company. Due to Covid, this was my only offer, and they accepted now to renege on terms agreed upon.

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 2020-12-19
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Citi Bank, on the Best Buy credit card, has signed me up for " Debt Protection '' without my knowledge. 

In XXXX, this has cost me {$820.00} In XXXX, this has cost me {$320.00} In XXXX, this has cost me {$700.00} A total of {$1800.00} over three years, perhaps more, as their statements do not go back any further. I have, under NO circumstances, signed up for this protection. This is a scam and I want my money back. These fees are there to siphon money off of " 0 % interest offers '' and are based on the rotating balance on the card.

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 2016-05-02
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX XXXX th my husband and I went to the ATM at XXXX XXXX in XXXX XXXX, Ar to withdraw {$500.00} from my Bliebird American Express the ATM did not dispense the money but withdrew {$500.00} off of my card. On XXXX XXXX I opened a dispute form with my XXXX AMEX I submitted documents from XXXX XXXX and XXXX that agreed with my dispute. On XXXX XXXX the denied my despute and closed the case. Stating I received {$500.00}. I reopened my dispute as of today XXXX XXXX 2016 I still have not received {$500.00} I call on a daily bases with no resolution. I have even emailed the XXXX of Bliebird AMEX on XXXX XXXX 2016 and I have yet gotten any response. XXXX. My electric and water have been shut off and have been forced to sleep on a friends couch. I have no groceries and my parents have had to feed myself and my family. {$500.00} might not matter to anyone but it 's a huge matter to me. This {$500.00} has turned into over {$1000.00} that I some how have to figure out how to pay back to people. I can be reached at XXXX XXXXXXXXXXXX please I am desperate from some help or if you are unable to help can I please be notified as well. This is embarrassing and extremely depressing. Again I can be reached at XXXX XXXXXXXXXXXX Thank you for your time XXXX XXXX I can provide all the documents that I have confirming my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Barclaycard closed my account without notification or reason on XX/XX/XXXX. I had a XXXX balance and have been a customer of this bank for many years. 

When I called customer service I was transferred to a call center in the XXXX and no one could tell me why the card was closed. No letter was mailed nor did I receive any type of phone call. 

Closing accounts like this impacts credit scores ( sometimes negatively ). I find this be be an extremely poor and customer unfriendly business practice.

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 2016-07-03
Company: TIDEWATER FINANCE COMPANY, INC.
State: TX
Product: Consumer Loan
Sub-product: Personal line of credit
Issue: Managing the line of credit

Complaint:
I disputed tidewater finance with the credit bureaus as well as I filed a previous complaint against them with the consumer finance protection bureau, the results of investigation I have attached for review. My previous complaint was due to inaccurate credit reporting and water finance reporting different balances and past due amounts monthly to the credit bureau. The response that I received from XXXX and XXXX both for complaints on XXXX/XXXX/15 both reflect that they were verified to be accurate see attached for details and below are the balance discrepancies of that investigation. 
XXXX XXXX balance XXXX past due XXXX XXXX balance XXXX past due Once again I have found tidewater to be in violation and have attached documentation for you t review that this account is reflecting open and that is impossible because it is charged off. This account has also failed to report a date of last activity on XXXX credit bureau and this is another manor violation and a continued discrepancy on their part. It is the furnishers duty to provide accurate details pertaining to a consumers report and failure to report the last activity date effects who long a derogatory item is reported. Tide water finance repeatedly provides false information on my credit report that is affecting the integrity of my credit and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Direct Recovery Services, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Got a call from a debt collector direct recovery services was told I owe XXXX bucks and the will settle for XXXX. Said debt was taken out from XXXX XXXX. Called XXXX XXXX and they have no record of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: NAVY FEDERAL CREDIT UNION
State: NC
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:
Hello there, I opened a rewards Go card with navy federal, beggining of XXXX XXXX I've been getting charged very high interest rates even making the payment above minimum payment my monthly interest rate is {$180.00}, {$160.00} every payment I started to make. I was never able to bring my owed credit down. I contacted them and I mentioned that I would Not be able to afford interested rates and they mentioned they already adjusted their APR for me. I never had an APR adjustment, I messaged them again, then they said they can not go any lower of what was given to me. During this financial hardship period they have not given me any sort of relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Receivables Outsourcing, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Receivables Outsourcing LLC ( XXXX ) continues to call even after I have requested they not call several times. They leave a message on the answering machine for my deceased husband, saying if this is not he to hang up. An answering machine can not hang up. The message goes on to say that by remaining on the line, it acknowledges to be the person they are calling. Further the recorded message states this is a call from a debt collector. ( This makes the information available to anyone who might hear the message ). This continues to happen weekly even though I have called several times and asked them not to call.

Company response to consumer: Closed with explanation