BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-21
Company: EQUIFAX, INC.
State: IL
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:
I had gotten my XXXX XXXX debit card stolen on XX/XX/XXXX and called it in the following day. I was told my card was canceled as they caught a fraud attempt of a cash withdrawal of {$130.00} at a XXXX gas station in XXXX, IL. I was not asked about any previous transactions to verify no other fraud was made and I understood that the {$130.00} attempt was the only one. I have an installment loan with XXXX and a payment of {$46.00} is taken automatically from my checking account every XXXX of the month, however, XX/XX/XXXX 's payment was not paid due to my account having insufficient funds. I opened my monthly statement and see that a purchase at XXXX 's was made for $ 30+ and caused my funds to drop. That purchase was not made by me and was fraudulent and was not verified by me through XXXX when canceling my card and caused the payment for XX/XX/XXXX to be overdue. I attempted to pay my past due balance in person at a branch in XXXX, IL and was advised to wait until my next payment day of XX/XX/XXXX to avoid being double charged. I listened and come XX/XX/XXXX I received a phone call from XXXX 's credit reporting office and was informed my payment was 30 days overdue and was now going to be reported to the credit bureau and was misinformed on the double charge statement. I paid the overdue payment in addition to XXXX 's payment that totaled out to {$100.00} and then the next day was in fact double charged for XXXX 's overdue payment which put me at insufficient funds once again. XXXX has reversed fees but still said it was going to be reported to the bureau and refused to retract it since I took the proper steps to make the payment but was misinformed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: BARCLAYS BANK DELAWARE
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:
There is a credit inquiry on my report from BRCLYSBANKDE on XX/XX/2022 that I do not recognize. I reached out to them for help, but they have not responded to my support message. I am unable to dispute it directly with XXXX, I was directed here

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 2018-01-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never notified of this bill and do n't know where it comes from. I requested documentation of original forms and signatures stating that this debt has been validated and verified per the FCRA. I do n't believe this account was investigated at portfolio recovery for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Delta Management Associates, Inc.
State: LA
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am Low Income and on XXXX. I telephoned Delta Management collection agency to inform them that I would like to rehabilitate my loan. First they tried to talk to me into a discharge. I explicitly informed them That was n't my best option and I knew my rights. this went on seemed like XXXX minutes and they finally agreed to send me paperwork for rehabilitation. So I gave that seven days for that to reach them by post mail. I called them and they chose to give me the run around again. I then had to call XXXX because somehow my account was suspended for XXXX days. they said I had to call XXXX. At which point I did and XXXX was even fruststrated. XXXX then told me I have the right to do whatever I would like to do in regards to my loan. XXXX then directed me to call the department of education inorder for the XXXX to contact delta management to get my rights addressed and my loan rehabilitated. Now the D.O.E just tells me that XXXX XXXX can take care of everything I need to rehabilitate the loan and that XXXX XXXX are the ones who have the right to choose not to honor the suspension and go ahead rehabilitate my loan. So I called XXXX XXXX and was hung up on mid conversation. I then got in touch with a supervisor haworth who told me I had to call XXXX or the department of education. called everyone twice and they all had me calling the other .wether it be XXXX, XXXX. or Delta Management. This went on for over an hour and still nothing is resolved. So I then get back on the phone with XXXX and they give me an address to D.O.E to write them a letter to get off a XXXX discharge program. in which I never wanted to be on. they say it 'll take XXXX days for that to go through. I just wanted to rehabilitate my loan. 
I spoke with XXXX XXXX at DELTA MANAGEMENT Associates XXXX XXXX is also with Delta Management Associates on my File. 
I spoke with XXXX XXXX at XXXX. debt colections division and she tells me just send me the agreed amount of rehab payment. with no rehabilitation aggreement .And it is my understanding XXXX. can not accept any monies unless it 's full amount of loan once it is in possesion of collection agency. I Informed XXXX XXXX that i was contactiong CFPB and she says to me well let me write a little note about advising me that I can hust sent the rehab payment amount to them YOU DO NOT HAVE A DESCRIPTION OF MY ISSUE. But falls under Communication Tactics. Dis regard frequent or repeated calls to me by them. But I am the one who made repeated calls to them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB, I was told by Caliber Home Loans that during the Covid mortgage payment forbearance, that 7 months of payments that I deferred between XX/XX/XXXXand XX/XX/XXXX during the Covid pandemic on my Veterans Administration Loan with Caliber Home Loans would be put at the end of my mortgage term ofXX/XX/XXXX. It was explained to me that the 7 months of deferred payments would be added to the term ending date, so theoretically XX/XX/XXXX. I just received my loan 'Modification Terms ' from Caliber where they want to add another 25 months of payments to my loan!! My new loan modification date isXX/XX/XXXX!!!!! They lied to me and they have given me a trial period plan where my first payment due date isXX/XX/XXXX for my first mortgage payment since the deferral period that started inXX/XX/XXXX. I then make a second mortgage payment on XX/XX/XXXX which will complete the trial period before I sign my loan modification. My concern is that I need to make the payment on XX/XX/XXXXandXX/XX/XXXX which contractually is what they consider an acceptance to these new modification terms, but I will NOT accept the modification terms of ADDING ANOTHER 25 MONTHS OF MORTGAGE PAYMENTS WHEN I ONLY DEFERRED 7 PAYMENTS!!! PLEASE HELP THIS XXXX XXXX VETERAN WITH HIS VA LOAN WITH CALIBER HOME LOANS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
Early XXXX 2016, we discovered an unauthorized charge on our Sam 's Club mastercard statement. The charge was dated XXXX XXXX, 2016. We immediately contacted the customer service department who then put a hold on the account and said they would mail out paperwork for us to dispute the transaction. Three months later we are still waiting on the paperwork to complete and despite numerous calls we have yet to receive the fraud paperwork. We are also told the paperwork is in the mail but yet nothing arrives. They also refuse to issue us a credit until the paperwork is returned and investigated. We do not know what else to do other than ask the CFPB to intervene on our behalf. My wife and I understand that there is a process involved to handle these transaction and that it takes time to complete. However, We do not feel Sam 's club discover is acting in good faith to try and rectify our claim. Please advise me what else we can do. Thanks in advance for your time.

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 2015-10-20
Company: Empowerment Ventures, LLC
State: MD
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I have been locked out of my Rush Card account direct deposit since XXXX/XXXX/15. XXXX XXXX explained to me they are the bank but XXXX XXXX is over the prepaid card. No real person answers the phone line, I get automated response when I email to company, the phone line is stating my card is not activated. I have not spoke to no rep from that business as of yet I am unable to pay a bill, eat, get medication buy gas for my car, my phone will be cut off, my rent, my utilties.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX Credit Card has for the last 2 years re-opened my charged off account and then closed it. Several times. All in an effort to make this already negative charge off even more damaging. I am XXXX and having extreme hardship due to Covid-19 and because of the improper activities of XXXX XXXX, my ability to obtain reasonable rates for insurance and loans because of my score, has become impossible. They currently show me as being late multiple times during the last 12 months despite having a XXXX   balance according to the information supplied by them to the credit bureaus. This is a violation of my rights under the FCRA. I have attempted to dispute this to the credit bureaus but have been no help.I am trying to refinance my mortgage but this incorrect information has caused several denials because of this.

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 2022-03-15
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Citi Bank received multiple request to revoke authorization for XXXX XXXX. They continued to allow XXXX XXXX to hit my account. While no funds where paid out to XXXX XXXX they continued to charge me overdraft fees causing my account to go negative. I do not use this account and could not close it as it was opened as a minor with my father who is now in XXXX. After being negative they closed my account. I just noticed it as I went to see if my stimulus check was deposited into this account and could not access it. They took my money continued to charge me fees when the the authorization was revoked and when I called customer service could not help because the account was closed.

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 2020-03-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XXXX, XXXX, and XXXX, I have paid {$1000.00} toward my only cc ( XXXX XXXX MasterCard ). I owed over XXXX on this card with a XXXX balance in which I barely used without being behind. I paid a total of {$3000.00} in less than a 30 period, which is now slightly over {$2600.00} as to be owed as of XXXX. Capital One is the only cc that can sink me or take my credit score to another level. I have no current collection or home loans that can hurt my credit status. However, I been thru this before with Equifax whereas they tend to go the opposite way when updating my credit score, and XXXX and XXXX  will go up ( in late XX/XX/2020 ). XXXX  went up XXXX ( XXXX XXXX XXXX ) and XXXX  ( XXXX XXXX XXXX  ) also went up XXXX. Equifax went down XXXX when all three credit bureaus were updated as of XXXX. No matter how much I pay on this card, Equifax is the only credit bureau that tends to decrease my credit score, not really motivating a user to pay off a debt. Once again, I need to know if Equifax is calculating and seeing all the payments being posted to my only cc, or just giving out a number to users thinking that we are not really concerned or watching their version of a credit score. What does it take for Equifax to investigate their software that calculates and gives out a false credit score to those that are paying more than the minimum payment in less than a 30 day period??? According to the other two credit bureaus, my score should be an average of 690+ and XXXX  for Equifax alone. I need Equifax to factor in my last 3 payments of {$1000.00} in less than a 30 day period and give me a realistic updated score of at least 695 please. CFPB, please investigate and reply back with status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
In  XXXX  of  2016 , I enlisted the services of  XXXX   XXXX   XXXX   XXXX  to achieve lower interest rates and consolidate my credit card payments . Capital One Services, LLC a ccepted the proposed payments for  XXXX  separate accounts in letters dated,  XXXX   XXXX ,  XXXX   XXXX  and another  XXXX   XXXX ,  2016 . All three letters state the ca veat, it may ta ke 60 days for the terms of the program to apply to my account.  <P/>  XXXX   XXXX  has been punctual and accurate in administration the agreed payments in a timely manner, however Cap ital One  reported  XXXX  account o ver thirty days  late in  XXXX  and  XXXX  and another account,  30 1 20 months late in  XXXX ,  XXXX ,  XXXX  and  XXXX  of  2016 . The reports to credit agencies are in direct contradiction of th e 60 t erms of agreement written statement.  <P/> If needed I will submit payment reports/receipts from  XXXX   XXXX  and bank statements reflecting payments made to  XXXX   XXXX .  <P/> Extensive conversations  with Capital One representatives have not resolved the error, so Im reaching out for additional assistance  and feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX Credit Card has for the last 2 years re-opened my charged off account and then closed it. Several times. All in an effort to make this already negative charge off even more damaging. I am XXXX and having extreme hardship due to Covid-19 and because of the improper activities of XXXX XXXX, my ability to obtain reasonable rates for insurance and loans because of my score, has become impossible. They currently show me as being late multiple times during the last 12 months despite having a XXXX   balance according to the information supplied by them to the credit bureaus. This is a violation of my rights under the FCRA. I have attempted to dispute this to the credit bureaus but have been no help.I am trying to refinance my mortgage but this incorrect information has caused several denials because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, second mortgage was modified by Planet Home Lending. 
Unpaid principal balance on this mortgage was {$250000.00}. Accrued interest was {$100000.00}. The accrued interest of {$100000.00} was capitalized and added to the unpaid principal balance of {$250000.00} for a total amount of {$350000.00}. 
On XX/XX/2021, the total outstanding balance of {$350000.00} owed to planet home lending was paid Per the ALTA settlement statement by XXXX XXXX XXXX. Document attached. 
In XXXX of 2021, Planet Home Lending issued us a 1098 statement showing outstanding mortgage balance of {$260000.00} and mortgage interest paid in 2021 of {$29000.00}. The 1098 was incorrect. Capitalized mortgage paid off or refinanced should be reported by planet home lending as income and should be reported on my 1098 as interest in the year paid off. 
I called Planet home lending to request a corrected 1098 and was told they will not correct this, and that they were justified in the way it was reported. I explained that my tax preparer wanted this corrected to reflect the correct amount of interest that included the capitalized interest on the mortgage paid off. 
Planet home lending refused to correct this after several repeated calls. Sometime during these calls, I am placed on unusual lengthy hold by staff of planet home lending, sometime 45 minutes and at the end not resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a business account with BB & T and I never opted-in for them to pay my debit card transactions when I don't have enough money in the bank. I spoke with Representative XXXX on XX/XX/2020 that said for business accounts you are automatically opted in unless you opted out. The rep said they do not offer opt-in or opt-out Because they had me opted in I was charged a XXXX fee on XX/XX/2020 for a transaction that processed through my account. I was also charged a 7 day negative fee of {$36.00} on XX/XX/2020 because of that same transaction. I'm mad that I was hit with {$72.00} in fees because of BB & T automatically had me as opt-in instead of opt-out. I did not think they could automatically do this to a person.

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 2016-11-16
Company: NRA Group, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/2016 I sent National Recovery a certified letter asking them to verified this debt that is appearing on my credit report. As of XX/XX/XXXX, they have not responded to my request or mark my file that this item is being disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I had gotten my  XXXX   XXXX  debit card stolen on  X/XX/17    and called it in the following day. I was told my card was canceled as they caught a fraud attempt of a cash withdrawal of {$130.00} at a  XXXX  gas station in  XXXX , IL. I was not asked about any previous transactions to verify no other fraud was made and I understood that the {$130.00} attempt was the on ly one. I  have an installment loan with  XXXX  and a payment of {$46.00} is taken automatically from my checking account every  XXXX  of the month, however,  XX/XX/XXXX 's payment was not paid due to my account having insufficient funds. I opened my monthly statement and see that a purchase at  XXXX  's was made for $ 30+ and caused my funds to drop. That purchase was not made by me and was fraudulent and was not verified by me through  XXXX  when canceling my card and caused the payment for  XX/XX/XXXX  to be overdue. I attempted to pay my past due balance in person at a branch in  XXXX , IL and was advised to wait until my next payment day of  X/XX/17    to avoid being double charged. I listened and come   X/XX/17   I received a phone call from  XXXX  's credit reporting office and was informed my payment was 30 days overdue and was now going to be reported to the credit bureau and was misinformed on the double charge statement. I paid the overdue payment in addition to  XX/XX/XXXX  's payment that totaled out to {$100.00} and then the next day was in fact double charged for   XX/XX/XXXX 's over due payment which put me at insufficient funds once again.  XXXX  has reversed fees but still said it was going to be reported to the bureau and refused to retract it since I took the proper steps to make the payment but was misinformed.

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 2020-10-04
Company: CREDIT ACCEPTANCE CORPORATION
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:
I sent out disputes to the credit bureaus XXXX, XXXX and XXXX about accounts that are reporting on my credit report that doesn't belong to me. I filed an FTC report and police report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: AMERICAN EXPRESS COMPANY
State: AK
Product: Credit card
Issue: Advertising and marketing

Complaint:
After submitting a complaint Amex ( or their computer ) sent what appears to be an automated response to my complaint that did not even address the specific issues I raised.Please review and respond to the following specific issues : Amex solicited me with an offer using their data base. Before activating the card, I asked the agent to confirm the terms and conditions of the offer ; specifically if I was eligible. I was told I was eligible and I have a recording of the call. I fulfilled the terms and conditions yet Amex denied the benefit. Amex has the data base, they knew or should have known that they had no intention of honoring their solicitation. Amex should not have sent the solicitation and their agent should not have told me I was eligible. Therefore, Amex should honor their offer of XXXX points. 
The Amex response reads like a form letter that completely ignores these salient facts. 
Lastly, I formally request Amex provide information regarding initiating arbitration/mediation of this matter as per the cardholder agreement. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation