BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hi, I have a Capital One credit card and I tried to pay through the website and when I entered the bank account from which Capital One can withdraw money from my bank account. I accidentally entered my bank account and also my check number, for example I entered the account number XXXX and also added XXXX which is my check number and that's why XXXX XXXX did not have the option to withdraw the money. And they wrote that I have a return payment And I called them several times and they understood the problem and they didn't want to help me open my account back I have a few complaints about this 1 Capital One did a great deal of damage to my business because I couldn't run the business as usual, buy things and sell and with that pay Capital One 2 They did me a great deal of damage that they put on the credit report that I have a credit card that was closed to me 3 Capital One did me harm, they also closed the private credit card I had at Capital One 4 Capital One When they closed my card I had points and cash back percentages for every dollar I use the card and they did not credit the money to my account 5 Capital One closed my account and the credit card was for 12 months without interest and because they closed my card I couldn't do well with the business which is why I want them to open my card back and give me another 24 months to pay the debt without interest. 

I have asked them several times to reopen my account and there is no answer Therefore, I appeal to you, Consumer Financial Protection Bureau, to help me. The injustice that Capital One did to me is a great injustice and can not be forgiven. And I really hope to God That you help me open the voucher I had back and all the winnings I deserve I have no words to bless you Best regards XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-24
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
paypal closed my account 180 days for no reason and i need my account back please slove this my paypal gmail : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: REGIONS FINANCIAL CORPORATION
State: TN
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 did not give Regions written permission to file anything on my credit report. 
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2023-08-05
Company: Experian Information Solutions 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 items 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 XXXX  Credit Reporting Agencies are required to remove/block any items 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 items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  XXXX XX/XX/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 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

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 2023-07-12
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: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2020-10-30
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently submitted a complaint ( XXXX ) regarding this debt collector. The account that I am alleged to have owed has been resolved. I am no longer financially obligated to this account. As per my previous letter, for National Credit Adjusters to have standing to collect a debt from me, there must be a valid contract between your company and I. To my knowledge, there is no contract on file baring my signature that ties me to this debt. In addition, you did not disclose that I have the right under contract law to refuse to contract with you. Instead, your company relied on fraud by omission to induce me to pay. Fraud voids all contracts, implied or otherwise. As a solution to resolve this matter, I respectfully request that you remove/delete this information from my credit report immediately. If the account in question is not deleted from all three credit bureaus within 30 days I will have no other choice but to pursue the issue further and become a big thorn in your side! 
Original Creditor : XXXX XXXX Account # : XXXX NCA Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I previously made a complaint about this servicer about a unscrupulous charge I have had this mortgage for several years without issue with several other servicers I have used the same bank to make automatic payments without issue I now get this new mortgage servicer and its been nothing but problems XX/XX/2023 I received a phone call from XXXX  about a " lost payment " on loan # XXXX I was told by manager XXXX that he was " warning me " that if I want them to look for the payment I would need to go to their website and fill out forms My previous payment before the complaint was processed with no issue. 
I gave the check number # XXXX tracking information, dates this was electronically processed through my credit union this was not enough I absolutely believe that this level of difficulty is due to the fact I wrote a complaint about them They are now trying to create situation of confusion and issues where there are none the servicers sole responsibility it to process payment I gave them the same information over the phone as I am submitting here today

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 2023-11-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Dear Experian, I recently got a copy of my consumer file and noticed that there was personal information that belongs to someone else on there. According to the FCRA you must be reporting 100 % correct information at all times and that is not what my credit file reflects at this time. You have 30 days to remove the personal information listed in this letter. I am also requesting you to provide me with the furnisher of this information or where you got this information. 

Please PERMANENTLY REMOVE the following incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The ONLY correct address is listed above. 

15 U.S. Code 1681b - Permissible purposes of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Thank you for your attention in this matter, XXXX : XXXX Without prejudice, All Natural Rights Reserved

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 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX XXXXXXXX Balance : {$660.00} ; XXXXXXXX XXXX XXXX Balance : {$660.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$710.00}

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 non-monetary relief
Consumer complaint received 2023-08-05
Company: Experian Information Solutions Inc.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$5100.00}

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 2020-12-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents 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

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 2023-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Bank of America closed my account and wouldn't give me any info they also charged my account with insufficient funds and fees 3 years later they sent my funds to the state me and my XXXX can you please help me?

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 2021-07-07
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan was originally with XXXX and earlier this year they transferred it to XXXX Loancare and ever since it's been nearly impossible to reach anyone to speak with or to get a straight answer. Most of the people I speak with have contradicted each other. At least one woman told me information that later turned out to be false : she said I would be offered a 3.125 % interest rate if I did a loan modification. But when the loan mod offer arrived it was for the exact same interest rate ( 4.125 % ) I currently have but they extended the term of the loan to 40 years. Previous to that I received an email on XX/XX/XXXX from Loancare stating I had " been approved for an initial forbearance plan or extension of your current plan. '' But then when I called in after that they said I wasn't eligible. It has been confusing and frustrating. Eventually I requested the loan modification offer with the understanding it would be a lower interest rate and when it arrived it wasn't lower. I've currently been on hold for 41 minutes and counting trying to understand what my options are if I reject the loan mod offer. I reached someone named XXXX and asked what my options are and she said she needed to put me on on hold to look into it. that was over 30 minutes ago. This is predatory lending. The email address they told me to contact them at ( XXXX ) is invalid. The forbearance plan offer also lists someone as my mortgage resolution advocate XXXX XXXX XXXX XXXX and his phone number as the general phone number for loancare which takes forever to reach a representative and is impossible to navigate through. There's no extension for XXXX nor is there an option to enter an extension anyways. Also none of their correspondence lists where to mail payments.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: CA
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:
I did not open these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: PMAB,LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I reviewed my credit report because I am preparing to purchase a home. Upon review, I have a collection account from PMAB LLC. I have never received any notification from PMAB LLC notifying me of a debt. Nor did I ever receive any written notification from PMAB LLC regarding my right to dispute debt within 30 days or given any documentation proving that I have any obligation to pay any debt. Further, I have never had any contract or obligation to pay PMAB LLC. I don't owe any money to PMAB LLC, nor do I owe money to any third party PMAB LLC claims to represent. PMAB LLC has damaged my credit and violated my rights under FCRA and FDCPA. This account should be removed immediately, and if it is not, I will plan to sue to the fullest extent the law allows. PMAB LLC 's illegal and unwarranted actions have damaged my credit and my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: NY
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:
I have been monitoring my credit reports and have noticed a few accounts that I was unsure of. I didn't recall signing any contract agreements with these lenders. I also saw some accounts that seemed to be showing different balances and different payment histories. I requested that these accounts be verified so that I can ensure that they are 100 % accurate and 100 % verified. I sent this letter out on XX/XX/2023. 

Upon completion of this investigation, My credit report is STILL showing inaccurate and unverifiable information. There is No way that these investigations were done properly. All XXXX bureaus are reporting different figures on the same accounts. I asked all XXXX bureaus to verify that this debt is mine and also verify the accuracy of the debt or remove it from my report. 

I am still finding inaccurate information on my report. This is hindering my ability to apply for credit as these accounts should have been corrected or removed as requested! 

The following Accounts are inaccurate : XXXX XXXX XXXX XXXXNo knowledge of this account *Report shows inaccuracies in Account #, Account type, Date opened, Past due, Payment status & payment History. 
PLEASE DELETE THIS ACCOUNT XXXX XXXX XXXX XXXXNo knowledge of this lender *Report shows inaccuracies in Account #, Account type, Date opened, Past due, Payment status & payment History. 
PLEASE DELETE THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXXAccount CHARGED OFF but showing Past due Balance *Report shows inaccuracies in Date opened, High credit limit, Credit limit, Past due, Date of last payment & payment History. 
PLEASE DELETE THIS ACCOUNT XXXX XXXX XXXX XXXX Account CHARGED OFF but showing Past due Balance *Report shows inaccuracies in Date opened, Past due, Payment status & payment History. 
PLEASE DELETE THIS ACCOUNT XXXX XXXX XXXX XXXXReport shows inaccuracies in Date opened, High credit, Last Payment & Payment History. 
PLEASE DELETE THIS ACCOUNT XXXX XXXX XXXX XXXXReport shows inaccuracies in Date opened, High credit, Past due, Last Payment & Payment History. 
PLEASE DELETE THIS ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: AES/PHEAA
State: FL
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:
Called XX/XX/31 to request a letter for my mortgage that shows my actual payment details. Request put in and I was informed it would take XXXX days. 
Called XXXX XXXX - informed they can see my request in their system and read the specific details of what needed to be included in this letter, he was not sure why I had not received it. He put in a new expedited request and said I would receive this letter in XXXX hours. 
Called XXXX XXXX - no letter received. Spoke with XXXX ( employee ID XXXX ) who confirmed again that he saw the request in their system but he had to put in a new request and it would take XXXX business days. informed him that I would lose my house b/c of their errors and requested manager. Transferred to XXXX XXXX employee ID XXXX ) who confirmed all details ( type of loan, payment, and recertification date ) and confirmed that she put in the request and letter would be received same business day. ( a letter was received, but did not include any of the necessary information ) Called XXXX XXXX and spoke with XXXX ( employee ID XXXX ) who states loan has been transferred to XXXX XXXX and they could not assist any longer, even though she could see the multiple requests in their system. Requested manager. Spoke with XXXX ( employee ID XXXX ) who states that they could not assist as loans have been transferred. Informed XXXX that I will lose my house and have spent multiple hours over multiple days calling this agency. He informed me to call XXXX XXXX. I pulled up the letter from FedLoans regarding my loan transfer and it clearly states that i would not have access to my account until my new account is loaded in their system. XXXX was very rude and kept telling me just to call XXXX XXXX b/c they could just email or fax me a letter. I questioned that answer since FedLoan was unable to do that and also informed him about the delay. He kept asking " why you just won't call XXXX XXXX and get the information from them ''. Requested his manager and he said I would have to wait on hold for a minimum of an hour. Again, I am going to lose my house without this information that i have been requesting for XXXX weeks! I am unable to wait another XXXX weeks for XXXX XXXX to do the job FedLoans should have done. Please advise on next steps to report this company and their awful business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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