BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Third party debt collector calling my employer repeatedly, has been told not to call again, but continues to call. Also made idle threats to sue me over a small amount that would only go to small claims, directly to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I contacted XXXX XXXX XXXX to dispute a charge on my account from XXXX on XX/XX/XXXX. After a week, I found out that the dispute was never processed. So on XX/XX/XXXX another agent filed the dispute. The total amount of the charge was {$870.00} but I only asked to dispute {$400.00} of that charge. I was told that I would receive a letter in the mail from Capital One about the dispute and for me to send in any related docs I had to help the case. I never received anything, but 3 weeks later I get a notification on my phone that I had a deposit to my checking. The notification was that I received a deposit in the full amount of the disputed charge. I immediately called XXXX XXXX XXXX   and spoke with an agent and she informed me that XXXX credited my account. I asked her several times was this a provisional credit or a permanent credit and she assured me that it was permanent and that I did not need to take any further actions because XXXX decided to reverse the entire amount. Of course I was happy until a few weeks after that, I received a letter from Capital One stating that they were going to close the case because the merchant provided docs proving that the charge was valid. Again, I called Capital One to ask why I received this letter when I was told the credit was given from XXXX. A gentleman told me that the letter must be an error, but the credit from XXXX is a permanent credit from XXXX and that they can not reverse it. I asked him over and over again, was the credit a temporary credit and he ensured that it was NOT and that I can disregard the letter. Yesterday ( XX/XX/XXXX ) I receive ANOTHER letter from Capital One stating again that they are closing the case because the merchant provided docs saying the charge is valid AND that Capital One is reversing the temporary credit that was given on XX/XX/XXXX. So I called back to Capital One and NOW they are telling me the credit was only temporary. I am now VERY angry because this whole process was handled incorrectly! 
1. Capital One processed the dispute for the incorrect amount 2. I never received any letters from Capital One asking me to send in anything related to my case. 
3. I was told from 2 agents the credit that was on my account from from XXXX and NOT Capital One and it can not be reversed. 
4. I now can not escalate my dispute with XXXX because the t/f to continue the dispute with them has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Citizen One has been harrassing me for a month now. I want them to send me a 30 day payoff which they haven't. I have been on the phone for 3 hours and they didn't answer. I tried to get on their website and they kept telling me the wrong password so I changed it 3 times then they said my user name was wrong. This has been gone on for months. Then I tried to email them and couldn't I t didn't go through. I made a payment of {$720.00} in XXXX then another payment in XXXX for {$660.00} I just got a bill for {$2100.00} They said I was past due. They are wrong Fraud is what they are doing.In 2015, they said I didn't make a payment. That was Citizens Bank. I had to pay their lawyer {$1000.00} to their lawyer or they were going to take my house.I am a senior citizen and I don't need this harrassment.Please help me. I have read other customer reviews and they also told me to get out of this bank. Please help me. I want other people to see this and to see their reviews. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is the first time my identity has been compromised. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX {$5000.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$500.00} XXXX   XXXX  XXXX {$410.00} XXXX XXXX XXXX {$900.00} XXXX  XXXX {$1900.00} XXXX   XXXX {$2500.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$670.00} XXXX XXXX  XXXX {$890.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$31000.00} XXXX  XXXX {$62000.00} XXXX/XXXX  XXXX {$400.00} XXXX/XXXX   XXXX {$490.00} XXXX XXXX {$340.00} XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$23000.00} XXXX/XXXX  XXXX {$3900.00} XXXX/XXXX   XXXX {$500.00} XXXXXXXX XXXX XXXX {$360.00} XXXX/XXXX  XXXX {$1700.00}

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: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My XXXX son has been making some poor choices including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am on a XXXX  XXXX XXXX account with my son at Chase where I see the bank is allowing him to use his XXXX XXXX debit card at XXXX XXXX Chases XXXX XXXX checking account is for students XXXX years old. 
On XX/XX/2023 I emailed XXXX XXXX XXXX XXXX to investigate illegal sales to a minor. Their response indicated I needed the full address of the merchant which was not evident in the transaction details. 
On XX/XX/2023 and XX/XX/2023 I called Chase to get more information on these transactions, I was told XXXX XXXX checking accounts dont have restrictions on where they may be used and that they could not provide the address of the merchant. 
On XX/XX/2023 I emailed Chase XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ). On XX/XX/2023 I emailed Chase XXXX XXXX. On XX/XX/2023 I contacted Chase through XXXX where I was told the issue was referred to the Executive Office.

Chase has not gotten back to me and their irresponsibility around corporate citizenship and protecting our youth needs to be evaluated. I would like your help or direction in seeing that that is accomplished as well as resolving this issue which is perpetuating the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act ( XXXX XXXX XXXX XXXX acct # XXXX ) has violated my rights. 

15 U.S.C 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies.

( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 

Payment reporting for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: V and H Portfolio
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this is my case # for a previous claim that the cfpb didnt handled the right way and now im forced to take legal action against the cfpb and vance & huffman for violating my fcra 15 usc 1681 and identity theft because they still havent show my how they verified the account. my information was bought by this debt collector which has no right and without my written consent to collect a debt and have my information and threating me.

7

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I contacted this business and asked that they credit my account {$16.00} and close my account. Per XXXX XXXX XXXX online customer service, my account should be credited 3 to 5 business days. I have attached the chat transcript. My balance should now be XXXX, but this company refuses to credit my account... I have paid all interest charges and the balance left over is from merchandise that I returned that I never received

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a pool from XXXX XXXX on XX/XX/20 for XXXX with my capital one credit card. The next day the website disappeared. The purchase showed up on my statement as an electronic. There was no phone number or way to contact them. I disputed this immediately with capital one The next day the seller sent me and capital one a shipping label and tracking number showing they were sending me something that weighs less than one pound. Capital one requested I send them info to show i cancelled the purchase or that it was never received. Still to this date the item has not left XXXX and I have sent them verification of that. They said it would take 2-3 to weeks to receive its been two months. Also it hqsnt left XXXX. I did cancel the order they said if I dropped my credit card dispute they would refund me, they still haven't refunded me and capital one refuses to assist me with a refund. Also I sent capital one item descriptions and pictures to show the pool is supposed to weigh 80 lbs. Not less than one pound. I have done everything vapital has asked and I need my refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-22
Company: General Motors Financial Company, Inc.
State: MI
Product: Credit reporting 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:
on XXXX XXXX americredit gained unauthorized access to my credit report and this has caused a dent on my credit score, this grave inquiry has affected my credit worthiness for months and its a violation of 15usc1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I sent a certified letter to BNY Mellon regarding my mortgage that served as a Qualified Written Request under Section 6 of RESPA. They confirmed receipt both verbally and I have the certified, return receipt post card dated XX/XX/2020. They have yet to respond to me in writing on my request. I will attach all of the documentation but they are not allocating my payments timely, sometimes 60 days after cashing my funds, continuing to provide incorrect statements, and not allocating all of my payments to my account. This is inflating my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-07-23
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-11-04
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: 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 how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Equifax is required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of account which does not belong to me or was opened without my permission
. 

XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$0.00} ; According to FCRA Section 605B, ( a ) Equifax 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 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: CITIBANK, N.A.
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I foreclosed on my FHA home loan in 2012. I was not approved for the harp refinance program. Although, citimortgage received government funding to assist struggling home owners. I should have qualified but they made it difficult for struggling homeowner to get assistance. 

I reached out several time and filed a complaint. Then, I received a letter requesting document to be signed and returned within two weeks. The letter had a contact number listed to call for questions and information regarding the documents. I have called the number several times and have not been able to get assistance with these document they are requesting. I have spoke with several Citimortgage employees who are unable to assist me with these document and the department they came from will not answer the phone or return my calls. 

This is an example of how citimortgage makes it difficult to refinance and get assistance with document they are requesting.

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 2023-12-15
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-08
Company: Experian Information Solutions Inc.
State: NM
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:
Experian is ignoring my requests to investigate, verify and remove the account from my credit report that was opened fraudulently.

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 2020-06-28
Company: Experian Information Solutions Inc.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX  XXXX XXXX XXXX {$500.00}. This account is an result of identity theft. I have no knowledge of this account. I have reached out to XXXX XXXX in reference to this account. Iam unable to open my own account because of this account. XXXX  XXXX  refused to help. This is a violation of the fair credit reporting act.

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 2023-07-23
Company: Experian Information Solutions Inc.
State: DE
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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