BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.Evaluate this reporting by making a revision of the information provided. There is an existing balance on the account, and indicates that it was a charge off account? Modify and perform any corrections or withdraw this from my personal file. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
CAPITAL ONE BANK USA ***** Opened XXXX XXXXXXXX XXXX Balance {$3000.00} CAPITAL ONE BANK USA NA XXXX Opened XXXX XXXX, XXXX Balance {$3000.00} CAPITAL ONE ***** Opened XXXX XXXXXXXX XXXX Balance {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I sent a letter via US mail on or about XX/XX/2022 to the following mailing address : Card Services XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction withXX/XX/XXXXXXXX made on XX/XX/XX/XX/XXXXin the amount of {$160.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.

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 2023-01-24
Company: Frost-Arnett Company
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2022 I had a CT scan done at XXXX XXXX XXXX XXXX in XXXX, Alabama. My insurance is XXXX XXXX XXXX XXXX. That means that I have full Medicare and full Medicaid. When a provider bills United Healthcare they pay what is covered by Medicare. They then instruct the provider to bill Medicaid for any remaining balance. That is not what happened in this case. I have contacted XXXX XXXX 's billing office repeatedly. I have also contacted XXXX XXXX at least 8-10 times. The representatives have contacted XXXX XXXX 's with me on the phone. They have been given the Medicaid number numerous times. A representative and myself have been on a call together and contacted Alabama Medicaid. We were informed that no request for payment has ever been submitted by XXXX XXXX 's for the remaining balance of {$110.00}. Instead they chose to turn it over to a collection agency that continuously call daily, shortly after XXXX XXXX. I have told them to bill Medicaid because I do not owe. XXXX XXXX 's has told XXXX XXXX repeatedly that they will pull the file back from collections and bill Medicaid, yet they tell me that I don't meet their criteria. I have health problems and a husband that is currently hospitalized. I want them to stop harassing me. I can not bill Medicaid for them. They told me to request a XXXX, which I did, yet they still continue to harass me and not do their job which is bill Medicaid. If I did not have the insurance coverage it would be understandable. But I do have the coverage. Frost-Arnett needs to stop their harassment. I have asked them to stop calling me, yet they continue to do so daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$800.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Also , this bankruptcy file date is wrong and this bankruptcy are out of statute for reporting on a credit report. And it should no longer be reported because it is past the 5 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it. 
Bankruptcy XXXX XXXXXXXX Reference number : XXXX Filed on XX/XX/XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy : XXXX XXXX Reference number : XXXX Filed on XX/XX/XXXX Court : XXXX XXXX XXXX XXXX  XXXX bankruptcy discharged Reference number : XXXX Filed on XX/XX/XXXX Court : U.S. Bankruptcy Court

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 2023-09-15
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I sent a letter via XXXX mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXX, XXXX XXXXXXXX This was a request to open a dispute for a transaction with PayPal-Saks made XXXX XX/XX/2023 XXXX the amount of {$610.00} XXXX submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.

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 2018-11-08
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
For loan number # XXXX, I am requesting assistance with issues arising from my mortgage company. Issues began, XX/XX/2018, a payment option was offered to make bi-monthly payments to split my mortgage in half to assist to my financial situation at the time. As such, my mortgage payment was split from {$1600.00} to {$820.00} bi-monthly on the XX/XX/XXXX and XX/XX/XXXX, as agreed with the agent and my pay check schedule. However, in XX/XX/2018, a payment of {$3200.00} was paid in full to start the process of bi-monthly payments. Unfortunately, when XX/XX/XXXX came around my bank account and mortgage account numbers don't match and are different from what you have on file. At this time, I am requesting that someone please assist me with this issue. 

As of XX/XX/2018, I contacted Freedom Mortgage for assistance but this has been to no avail. 

I am in foreclosure and in default at this time and concerned that I will become homeless because funds have been inappropriately applied and I have received no assistance from the mortgage company to help me resolve this issue.

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 2023-09-15
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My federal student loans were with FedLoan and were recently forgiven under XXXX. At the beginning of XXXX, I received an email from FedLoan indicating that I was eligible for a refund for payments made during the COVID pandemic. When I called to request the refund, they said they would submit it. I called back in XXXX and they confirmed the request had been submitted in XXXX. 

The week of XX/XX/XXXX, I spoke with them again because I still had not received the refund checks. They told me the refunds were taking several months because of the large number of refunds due to borrowers, and they confirmed I was due a refund in the amount of {$18000.00}. They advised me to call back in XXXX. I called again on XX/XX/XXXX and was told everything was in process but that the delays persisted in getting the refunds out to borrowers. 

When I called today to check again, I discovered FedLoan no longer exists. I understand you have successfully helped others unstick this process and was advised to contact you. Please advise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-23
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX  claims I owe {$6800.00} to XXXX XXXX. The balance includes amounts from prior policies, some as old as five years, which were supposed to be canceled before additional coverage and a bill generated. XXXX XXXX reps failed to cancel when I told them to do so, thus a bill generated for outstanding balance. Two prior complaints were filed about these issues, complaint IDs XXXX and XXXX. It appears XXXX XXXX is attempting to collect on old/expired, charged off, invalid debts. I've explained this in two prior complaints, XXXX XXXX also claims CCS as their in house collections agency which I believe to be a lie. I believe CCS is a private agency and they purchased the debts off XXXX XXXX whom is still attempting to collect despite the debts being invalid, old, charged off.. {$6800.00} is an absurd amount of money for an auto policy and will not pay it. XXXX XXXX has added on four different amounts from prior policies, refused to resolve the issue with me. Please see prior complaint IDs with information pertaining to these additional amounts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied and was approved for a credit card with discover bank XX/XX/XXXX. Before I was approved I talked to a rep and confirmed my identity due to a fraud alert being placed on my credit. About a week later, I received an email from discover asking for me to sign an irs 4506-C consent form for them to pull request my tax transcripts for verification purposes. I signed the form, about a week later, I go to activate my card and I cant so I called their rep, who tells me their waiting on me to sign to form and to complete to process so they can unrestrict my account. I informed her that I signed the form a week ago and I verified all my information on the phone with a rep when I first was approved for the card and asked what else are you trying to verify. She just told me that once everything is verified that I will get an email, well now here we are almost 2 weeks later, I still havent received an email or anything from discover regarding this matter and my card can still not be activated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Victim of Identity theft, several accounts appear on my personal consumer credit report as a result of identity theft / fraud. Please asses, dispute, and remove. Attached is fraud affidavit from FTC. 

XXXX XXXX appears multiple times.

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 2022-02-08
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am writing to inform you of a phishing attack. They originated in these email addresses and telephone number. 

XXXX - is the address of the scammer. 

XXXX XXXX - is the phone number of the scammer XXXX - is the address used for PayPal. 

This party is a fraud. I provided a service, namely recorded music for a wedding. They paid me with a check, and then wrote back that it was much larger than the correct amount. So, they wanted me to reimburse the difference, and send the money through PayPal. 

He or she had trouble receiving the money. So I called PayPal customer service, who told me that this account had " bad restrictions '' on it. The party then wanted a screen shot of my notification, so that PayPal would provide the funds. 

This evening I received a notice from my bank that the check they sent bounced. 

Obviously, this is a scam. The fraudster sends a check to someone ( like me ), says a mistake has been made, and wants a reimbursement for the excess money. The victim sends the money through PayPal, and in the meantime the check that the fraudster sent bounces. The fraudster pockets a tidy sum. 

Please, help shut down these crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX is reporting incorrect information on my account. They are currently reporting a late for XX/XX/2018 and I was never late. I went into the office and made my monthly payment along with an advance payment for the following month. The representative I spoke with confirmed that no other payments were due, or past due and my account was in good standing. So I am not sure why I am showing any lates.

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 2022-05-21
Company: Experian Information Solutions Inc.
State: TN
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:
Victim of Identity theft, several accounts appear on my personal consumer credit report as a result of identity theft / fraud. Please asses, dispute, and remove. Attached is fraud affidavit from FTC. 

XXXX XXXX appears multiple times.

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 2021-08-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Throughout the years, i've had to file against the credit bureaus due to inaccurate reporting of the facts regarding a collections from XXXX that is handled by XXXX XXXX XXXX. Last month, all the credit reporting agencies including Equifax finally removed this item from my report. As of today XX/XX/2021 my credit report shows there are no collections, zero. I am writing to you because there is a collection by mail from Equifax today and this is misreporting, unlawful, damaging top my perfect credit history and unlawful. 
Please see the attached documents. As it stands, XXXX XXXX and XXXX have been wrong all along and I have submitted much paperwork to prove it. It is unfair to report both things as true and false at the same time, therefore it is inconclusive and inaccurate reporting and it needs to be stricken and removed from my public record and report immediately. I find it appalling to see how these collection agencies do not ever do any thorough investigation as items keep getting placed back. This inaccuracy has been made public and it tis time to stop! As I see it, the credit reporting agency Equifax is wrong in reporting inaccuracies and at the same accounts as closed and removed and opened and current at the same time ; Inaccurate, damaging and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: TX
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: PA
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:
Please help ASAP, Ive found the following accounts on my report that are fraudulent. Please remove them ASAP. I have attached an FTC letter and proof of ID and address. According to section 605b of the FRCA there items must be blocked and removed within 4 DAYS!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Credit Karma, LLC
State: OK
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:
My tax return was sent to credit Karma on XXXX for {$2500.00} XXXX for {$80.00} and XXXX for {$2700.00} The person who filed my taxes for me hacked into my account using the virtual card and had that money cashapp to her account her name is XXXXXXXX XXXX aka XXXXXXXX XXXX DOB XXXX Social Security number XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Phone number XXXX I have filed a police report and reported to FTC XXXX XXXX has not put the money thats owed to me back on my card and is saying I have a negative balance of {$2700.00} I do not owe this money and they owe me that money since I did not XXXX her! It can be traced through the virtual card as the representative told me how it was accessed. I never even knew about a virtual card XXXX they blocked the virtual card on XXXX due to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I were depressed after my father was passes away from XXXX 2020, the first wave of XXXX with no vaccine. I was really frighten and depressed. I left my job, because the environment is a high volume. After taking a year break of everything, it was hard for me to get a job to fit with my environment. My house mortgage went up so high, at least {$600.00} more. I tired to apply loan modification, and I got denied.

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