BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-18
Company: Experian Information Solutions 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:
I call Experian and sent certified Letters and file with FTC explaining to them XXXX XXXX Bill is a fraudulent account. This account dont belong to me at all. XXXX XXXX {$7400.00} balance 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 2017-04-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On  XXXX   XXXX ,   XXXX   two days before y credit card was due on  XXXX   XXXX ,   XXXX   i made the payment for  XXXX  dollars i make monthly. But  Wells Fargo states payment was not received. As a result, account is being collected, late fee was imposed, and interest rate was increased. Customer was not notified of any problems. I received an email and a confirmation number stating the payment was made. I have previously used this account to make my payments to Wells Fargo. Previously i had never had any problem but it seems to be an attempt to scam customers. After calling Wells Fargo i was insulted by representatives. I was denied help, and communicated instead with Executive office at Wells Fargo.

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 2017-04-25
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I made   a deposit with Citi bank to open an account. I called the company to initiate the deposit by phone. The CSR took the routing number and account information for the bank deposit.
Later I was informed that the payment was rejected because the account number had been keyed incorrectly. I subsequently resubmitted the information to Citi and they processed the transfer. Shortly there after I was assessed a fee for the initial deposit that did n't go thru due to their error. When I called a CSR they told me it would be removed but have since not been reimbursed.

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 2019-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 received a notice that stated that I was currently in debt in the amount of {$380.00} for services that I did not consent nor consume in any way.

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 2017-04-25
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am trying to make my  XXXX  payment but Freedom Mortgage is refusing to apply the late Fee 's I have paid correctly, they are holding the money as stated by them. I have the Money for  XXXX  and  XXXX  but I refuse to pay the ext ra 5 late paym ent 's when I have already done so, they refuse to apply to my account and are trying to extort an extra  XXXX  dollar 's that I should n't have to pay. Every time I call them they make up a different story as to why they refuse to apply the late payment 's, I was current as of   XXXX   17  and they said they would apply the late payments once I was current which is a lie sense I was current on  XXXX 17. They keep making a reference to a fee that they say was wave in  XXXX  which is also a lie as I made a deal with their customer service if I post dated a payment they would charge me a  XXXX  dollar Fee instead of a  XXXX  late charge as stated by their customer service rep. When I asked them to give me the recording of the call where I agreed to pay the  XXXX  Charge instead of the late fee they refused to get me the call. Freedom Mortgage is basically trying to force me out of my loan and not except the correct payments. I believe they make up policy 's when ever they feel like it, why was n't the late Fee 's applied when the loan was current on   XXXX  17. They should be investigate for fraudulently keeping the late fee 's and not applying them correctly it 's a scam to get extra out of people they are illegally holding money to force my loan into default, when I am willing to make the  XXXX  and payment with out the extra late fee's.Customer service is just rude and has no desire to find any kind of resolution.

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 2017-04-25
Company: ACS Education Services
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Re : ASC/ XXXX  Educational fin ance loan Opened on  XXXX   XXXX ,  2010  Talked to the lender many times and have sent a copy of my grandmothers death certificate because the loan is in HER name and still, they have not removed the debt from my report or stopped trying to collect on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A women named  XXXX   XXXX  has contacted me numerous times from  XXXX   XXXX   XXXX  phone number  XXXX   XXXX  EXT  XXXX  stating i owe money to a credit card company and she has threaten to sue me. The credit card company themselves have no record of the debt. She also has a women named  XXXX  calling me stating she is a processor out of  XXXX   county  justice civil court and she needs to serve me papers.When i contact the court they have no record of any cases in my name.They have stolen my identity and are trying to get money from me. This is all fraudulent and i have even blocked  XXXX   XXXX   XXXX  number and she still finds a way to call me. This has been going on f or one week  now. Their Address is  XXXX .  XXXX   XXXX   XXXX , NY  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Clear Recovery, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed and completed a chapter  XXXX  bankruptcy and liste d Merchant Credit Adjusters Inc. as a creditor. Merchant Credit failed make claim during the bankruptc y.     Once the creditors were notified that the bankruptcy wa s discharged Merchant Creditors files  a claim of garnishment, violating my rights under the bankruptcy laws. This is not a collectable debt.     Bankruptcy Case No :  XXXX  Merchant Credit Adjusters Lawsuit {$510.00} Case  XXXX   XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Massachusetts Educational Financing Authority
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Maryland  XXXX  Email :  XXXX  XXXX  XXXX   XXXX   XXXX  )  XXXX   XXXX   XXXX ,   XXXX    XXXX  : MEFA Application  XXXX  ; Account #  XXXX  Account #  XXXX  Account #  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX    XXXX , MA  XXXX  Dear  XXXX   XXXX , My name is  XXXX   XXXX   XXXX . I am working on my   XXXX   XXXX   XXXX   at the University  XXXX    XXXX   and all I am trying to do is combine my  3 MEFA loans into one  to reduce my monthly payment.   The question I am trying to get answered is and it isnt disclosed as an underwriting criteria anywhere. Can the  3 l oans be combined into a variable rate to reduce my monthly payment? The   3 loans I want to consolidate are existing MEFA loans. I have been through the website and loan documentation disclosures 3 separate times and nowhere is it disclosed that the loans have to be in repayment for 12 months.
When I go back to the Loan Application and Solicitation Disclosure the eligibility criteria states and I quote Must be currently making payments on all student loan debt to be refinanced. It doesnt state it must be in repayment for one year  . As a matter of fact I had called Customer Service before I applied and was told that my loans had to be in repayment and current for at least 90 days.   Please also keep in mind, I have already paid one loan down by  XXXX , my loans are current, my  credit score  is good, I dont understand the delays.    XXXX   XXXX  has stated that I should withdraw my application. I do not wish to withdraw the application, and if  MEFA  is going to turn down the loan for this reason I have requested they put it in writing which I can then take and file a formal complaint with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , The Massachusetts Office of the Inspector General,  State  and Federal Banking Regulators and the Department of Education for deceptive, misleading, and predatory lending practices.   The bottom line is I believe I am being discriminated against because I am a  XXXX  borrower and my guarantor is my  XXXX   XXXX   XXXX   XXXX  grandmother. The loan officer probably forgot to mention thats the real reason for jerking me around.     I am formally requesting an answer in writing to my loan application so I can escalate this issue accordingly. I thank you in advance for your update to my application.       Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: GA
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 was a victim of Identity Theft on XX/XX/2021 I have submitted my Federal Trade Commission report to all three major Bureaus ( Equifax, XXXX, Experience ) to further confirm my status as a victim of Identity Theft due to the EQUIFAX XXXX BREACH. As a result, this caused a lot of headaches to my livelihood I'm not being able to properly use my credit when needed. I have been denied access to XXXX, XXXX, Mortgages because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Bread Financial Holdings, Inc.
State: GA
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:
I reached out to XXXX in regards to some inquiries that where showing on my credit report, that are unauthorize. I reached out to the company and they are now willing to help me out at all. I was a victim of the credit breach with XXXX and is in the process of going through mediation with my attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25
Company: Lincoln Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I gave  XXXX  cash and then I traded in my car so total of  XXXX  to purchase me a vehical but apparently the vehicle broke down with  in 2 we eks on driving the SUV I went up there to the car place were I purchase it from which is the city of  XXXX  California talking to the lady who said I was APPROVE but I still had to put down a payment which was th  XXXX  so she was n't trying to help me than she said call the place who approve my loan which was  Lincoln finance  company in  XXXX   XXXX  California I spoke to  XXXX  which he requested me yo send proof that the car was messed up and how much he will see if he can help me well 1 month go by than mon th 2  came and he told me there is nothing he could do about while after a long wait in the mean time I had no money back are a vehicle for me and my  XXXX  children they knew my situation but apparently did n't care long story short he do n't work for the company no more wow such a mind blower so I go back to the dealer because everyone was giving me a run around from the dealer to the fiance company the lady at dealer said she will only give me  XXXX  back but not cash so I told her no I do n't want another vehicle from you guys I need all my money she said no I will give you another vehicle her name is  XXXX  well she was n't trying to work with me my children was missing school due to the problem so I filed a complaint still no results so I feel this should be removed from my credit report as soon as possible now this whole situation was unfair to me and my children for them ripping me off but yet still sending me letter by mail I will not pay them anything at all because it was there fought and I gave them the vehicle back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was advised my the XXXX that the debt was with this debt collection company but never received any documentation

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 2017-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
On  XXXX   XXXX ,  XXXX ,  Capital One  assessed an annual fee of  XXXX  dollars on  my Capital One s mall business credit card. This fee is in return for a benefit of  two  percent cashback on purchases. This annual fee was to pay for this benefit the period of  XXXX   XXXX  through  XXXX   XXXX .     On  XXXX   XXXX ,  XXXX ,  Capital One offe red me a new, different product for the same account  - 1.5 percent cashback with no annual fee. I accepted the product, which they described as an " upgrad e. '' However,  Capital One  refused to refund the annual fee that I had already been charged, or a pro-rated amount thereof, seeing as how I would no longer be receiving the benefit of  a two perce nt rate of cashback.     Therefore, the promotion that was presented as an upgrade actually is not.     This refusal was made by  XXXX , who I was referred to by the corporate office.     I then made the same request to  XXXX , a senior acct. supervisor, who I was transferred to by the disputes department when I attempted to dispute the fee.      XXXX  said she agreed that I should receive the fee refunded but said she had no option to issue it, saying the refund could only be issued if there was an " offer '' available. She said she would escalate my request, but as of today I have not received any call back or refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am still showing an Account with XXXX XXXX which has previously been resolved. The account belonged to an ex spouse and I am not responsible. They are reporting incorrectly that I owe a balance with them. I do not owe XXXX and the balance reflected should be XXXX and removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: EQUIFAX, INC.
State: FL
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 received a notice that stated that I was currently in debt in the amount of {$380.00} for services that I did not consent nor consume in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
TRANS UNION REFUSED TO DELETE NEGATIVE INFORMATION STATING THAT IT DOES NOT APPEAR ON THE CREDIT REPORT. 

THE DOCUMENT ATTACHED SHOWS THAT IT DOES.

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 2017-06-09
Company: Navient Solutions, LLC.
State: CA
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:
In the  XXXX  of  XXXX , I applied for income-dependent repayment. This application has still not been processed as of  XXXX   XXXX ,  XXXX . The company, Navient, says that they have not received appropriate income documentation. I have sent them alternate income documentation according to their instructions. I called the company twice and each time the person helping me on the phone could not find any documentation that was lacking. I asked them to submit queries as to what further documentation was needed. The company does not tell me what further documentation they require. I believe this is an intentional action on their part to avoid giving me income-dependent repayment terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: BARCLAYS BANK DELAWARE
State: HI
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:
Had my card declined, calle d Barclays and was told my account was closed and needed to wait for the letter that was sent out with explanation. Well the letter came a few days later stating the reason as negative public record identified. Called Barclays  again and was told that was all they could not elaborate and that it was company policy! I told them that I ca n't find any negative public record, so where and how did they. That told me to write the office of the president! Would n't give me an email address, found email address on company site!, told me to write a letter, gave me address! So sneaky!

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 2022-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: U.S. BANCORP
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XXXX, I purchased a Visa gift card ( XXXX ) from XXXX for {$470.00}. I could tell after opening the card that it had been tampered with as there was really hard glue covering the sercurity code. After scratching the glue of the card the security code was no longer readable ( completely removed ). I attempted to use the card 5 times at a walmart but the magnetic information was also removed from the card. 

I called US Bank ( XXXX  ) customer support at XXXX. I told them exactly the details noted above. They said they would send me a replacement card in the mail. I told them to disable the orginal card since it was tampered with. I received the replacement card ( XXXX ) on XX/XX/18 in the mail. I activated the card and was told there was a {$0.00} balance. I called and was told someone had used the original card. I explained the card was not usable and I didn't even have the security code since it was tampered with. I also informed them that I had been through all of this XXXX days ago. They went through a list of charges and I confirmed it was not me ( since it couldn't be me ). They put me on hold for XXXX minutes as they tried to find someone to file a dispute with.

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