BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
I had a previous medical condition relapsed causing me to be hospitalized for treatment from XX/XX/19 through XX/XX/19. Capital One closed my account because there were payments that were being returned as unpaid. Since I was receiving treatment not only did I not know my account was closed but I was not able to have access to a phone or computer to contact them to stop the payments and preventing the payment on XX/XX/19 in the amount of {$290.00} and the payment from XX/XX/19 in the amount of {$10.00} returned unpaid. I contacted customer service regarding the closure of my account and eventuall started working with a manager in the fraud  department. I explained my situation and that my intentions were never to have the payments returned. He had me write a letter and I sent it in along with a doctors note showing the dates I was recieving treatment. I advised I was on an unpaid leave during that time. However after they reviewed my documents they declined my offer. However I am wanting to get this resolved because why would they hold a customer accountable for something I was not able to prevent from happening. I have made ALL my payments on time along with additional payments up until I got sick. For a reputable credit card company I am shocked they will not take what happened to me inconsideration and see I never had issues with payments before. I was advised in the credit card agreement it states after one they can and have the right to close my  account. I get that however it could of been prevented if I was able to have the access to do so. I Have attached the letter that I sent to Capital One and the doctors note I can send the leave paperwork from my work as well if needed. Please help me get this resolved and possibly reopen my credit card account with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: DISCOVER BANK
State: GA
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:
After being a customer with Discover they closed my account after 11-12 years. I recently purchased a home where the lender had the closing attorney write a check to various credit cards that had small balances. Myself or the attorney made the error in selecting the box to close the account instead of it remaining open. I was able to keep all the other 4 accounts open by making a call and explaining the matter. Discover on the other hand said they were unable to reopen the account once closed. I even had a letter drawn up from the closing attorney explaining that the incorrect box was checked and was not required for the account to be closed by the loan. Due to the length of the account on my history, this account being closed with hurt my credit. I want to do all I can to dispute this in order for this account to remain open so I can continue building good to great credit history. If there's anyway that Discover can reverse this accidental matter and keep this account open this would be not only hugely appreciated but will help for further investment purchases as well. Thank you for your time in reading and ultimately resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I closed a conventional refinance with XXXX XXXX near the beginning of the XXXX. I made a couple payments on time with them. In XXXX of XXXX, they sold the loan to XXXXXXXX XXXX. XXXX sent me a letter with instructions for paying the loan. I immediately logged in to my online banking and edited the monthly auto-pay that had been going to XXXXXXXX XXXXXXXX and entered the payment info on the introductory letter. It contained an address in Texas. My bank had already sent the check to XXXX for the XX/XX/XXXX payment when I logged in to change the address and payee. In XXXX I received a notice that my payment had not been received and that it needed resolved. I immediately responded to the agent on the phone and paid the past due amount even though my check had been sent to XXXX back on XXXX I asked what the correct address should be, and the agent told me that it should go to an address in Georgia!! I entered this new address into the bank and the rest of the payments have gone on without a hitch. Also, while trying to login, I discovered that XXXX had an old system and a new system. Apparently, this was not just web logins, but also phone numbers and physical mailing addresses. The confusion surrounding which system my loan was hosted in and which address should be correct is the reason that there was any delay in receipt of funds. In spite of this confusion, I have uploaded proof that payments were made in a timely manner. XXXX is not being honest or fair with their representation of the my credit activity. Their chaos should not reflect poorly on my credit.

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 2023-04-08
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Experian disregard complaint XXXX, this complaint is missing crucial evidence. I am filing this complaint against Experian for refusing to provide me with the membership benefits such as daily Experian and monthly XXXX and XXXX credit scores as advertised.

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 2023-02-03
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
You provide credit reporting information to your partners efficiently through a digital system. 

With this in mind, it is unreasonable and inconvenient for you to only offer the ability to request a copy of my NCTUE Disclosure Report through a slow and inefficient automated phone system or through the mail. 

With this in mind, it is unreasonable and inconvenient to require consumers to call different phone numbers, each requiring their own verification, to place freezes and fraud alerts. 

The complexity of this process indicates that NCTUE intentionally tries to make it difficult for consumers to exercise their rights. 

In addition, NCTUE does not comply with 12 CFR Part 1022.137 ( a ) ( ii ) ( B ), and does not provide a way to file a complaint with the NCTUE and the CFPB in the FAQ section of their site.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Experian Information Solutions 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-08-29
Company: PNC Bank N.A.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15-USC-1681 section 602 states I have the right to privacy. 15usc1681 section 604-A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15-USC-1666-B a creditor may not treat a payment on a credit card account under and open and consumer creditplan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Global Lending Services LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Global lending service is reporting a charged off auto loan on my credit reports that I have been disputing for some time now. I have sent them a letter over 30 days ago requesting validation of this debt and never received any documents or communication regarding this account. However when this account was disputed with the credit bureaus as well, XXXX found that there was not valid proof for this account and deleted it from my report. If all XXXX bureaus get their information from the same place how is it that XXXX and XXXX is able to verify this debt? How is it that I am left with low credit scores when Global lending service has ignored my dispute? This account should be deleted from my reports now!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Netspend Corporation
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I was getting my unemployment ( pua ) direct deposited onto my NetSpend card, everything was going good until about a month after I was receiving my funds NetSpend locked my account, I called to get it figured out they said I have to submit 3 forms of identification to unlock the account, so I did just that, then a day later on XX/XX/XXXX they said they could not verify my identity, n that they are going to close my account and send the remaining balance to me in a check, which was {$6100.00}. They said it will take 7 to 10 business days until I receive it, so I said okay, waited 15 days and called them AGAIN, AND THEY tell me that the check was already sent back to the depositer, which is the state of Nevada, I call the state of Nevada and they tell me they have not received any check from NetSpend .. and i call the state of Nevada literally every 2 days to see if the check got their and of course they say no, I call NetSpend everyday no lie and talk to thier so called " supervisor '' and they give me the same run around ever time, that they can't do nothing about it, that the check was already sent out back to the state of Nevada , and that all they can do is escalate this to the " higher department " because they can't look at or do anything about the issue, and that they will call and email me within 3 business days and never not one time have I gotten any call or email from NetSpend , I don't know what else to do please point me in the right direction, and I know I'm not the only one who these thief 's are getting

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 2023-01-15
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I open my account on XX/XX/XXXX with cash bonus Citi offered. ( EARN {$1000.00} MINIMUM DEPOSIT : {$75000.00}, attached ). I deposited the {$75000.00} through my joint brokerage account in earlier XXXX on XX/XX/XXXX, I got notified my citi checking account will be cancelled without any reason. After calling the number provided within the letter. The customer representative shared the account will be closed within 30 days instead of the 60 days in the letter, and all my money within the checking will be send back to me as a check. 

However, until now XX/XX/XXXX ( after 60 days ), I still didn't receive any letter about my account, I still didn't receive any check for my own money!!! 

Now I can not access my accounts and my own money for more than 60 days. I am unable to afford the mortgage because the money money was swallowed by this bank!!!

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 2019-06-26
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Around the beginning of XX/XX/XXXX I received a letter from Commonwealth regarding 3 medical bills dated XX/XX/XXXX in the amount of {$58.00}, XX/XX/XXXX in the amount of {$360.00}, and XX/XX/XXXX in the amount of {$110.00}. As I was unaware I had any existing medical debt and I had no knowledge of what these bills were for ( and still do not as to this day ) I requested Commonwealth send me the original bills and paperwork proving I am financially responsible for these medical bills and that they are even mine, these were from XX/XX/XXXX. Eventually Commonwealth mailed me paperwork, but the paperwork were documents they created. None of the paperwork they provided was original, anyone could have gone on a computer and created these documents. Even at the top it is there letter head. I contacted them and requested additional information as what they provided was what they created and not original bills, in fact their created documents listed insurance but there are no details providing specifically what was paid it was just some random number they created on their documents at the end what I supposedly owe. The credit collection company is refusing to provide me with original documents to show that I am in deed responsible for these so called bills. Again I can't stress enough they created their own documents to send me, nothing is original. I have attached those documents. I would like assistance with having these bills removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
We had accounts with bank of america for several years, our account is linked to XXXX  as well as XXXX account as we have been using both companies to buy and sell stuff, on XX/XX/2020 our funds were running low, at this time XXXX tried to withdraw 3 small charges related to ebay shipping fees in the ammount of {$3.00}, {$3.00} and {$3.00} causing a {$9.00} overdraft in our account. 
Bank of america immediatly charged {$35.00} per transaction overdraft fees, bringing the overdraft to {$110.00}! 
Bank of america subsequently returned the items unpaid charging $ XXXXea return item fees, this caused XXXX to represent the unpaid items on XX/XX/2020, XXXX, XXXX charging {$35.00} return item fees each once again. 
in addition on XX/XX/2020 two new charges of {$4.00} were attempted by XXXX, both were returned as well and a total of {$70.00} return item fees were charged! as a result our account balance is now well over {$1000.00} into overdraft entirely due to overdraft and return item fees charged by bank of america! We have tried to resolve this issue with bank of america but they were only willing to refund {$70.00} which is a joke! 
My complaint centers on two factors, first of i consider charging {$35.00} fees on small charges more than excessive and second if bank of america had paid the items initially all the reruns and associated fees could have been avoided

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 2021-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I tried contacting my bank Capital One to dispute a charge on my debit card but I kept getting hung up on. The charge is from XXXX XXXX for {$1400.00} that was charged in 2 seperate transactions one for {$140.00} and another for {$1200.00} to my Mastercard ending in XXXX on XX/XX/2021 for the purchase of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX Carats that I was supposed to receive within 5 days via XXXX. I showed my ID to a XXXX employee and I never signed for the package I ordered. The person who signed used a fraudulent signature at my apartments by spelling my last name wrong " XXXX '' when my name is " XXXX XXXX ''. I have filed a police report with XXXX XXXX Police Department with case number XXXX for the crime and reported to XXXX  and XXXX XXXX. The merchant has not been helpful and I have attached my emails with merchant and XXXX  as well as my Police report information. I just want Capital One to help me dispute these 2 transactions on XXXX XXXX for the full amount due to me not receiving the merchandise so I can have a refund please. 
My number is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
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: Was not notified of investigation status or results

Complaint:
I submitted a dispute letter to XXXX, Equifax, and XXXX  to remove a few late payments from my credit report. It's been over 45 days and I still have yet to receive from any of the bureaus. The negative items on my credit report are causing me emotional and financial stress. I demand the negative items on my credit report to be deleted immediately or I will file for litigation due to the stress that you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, I purchased a vacant home insurance policy from XXXX. I paid the first premium of {$560.00}. The vacant home insurance was necessary as my existing policy was due to expire XX/XX/2019 and the sale of the home was not closing until after that date ( between the XXXX and XXXX of XXXX ). Unbeknownst to me, unrequested by me, and undesired by me, XXXX/Loancare on XX/XX/2019 inexplicably sent a payment of {$2600.00} constituting the entire year 's worth of premium to XXXX. This overdrew my escrow account by a significant amount. I found out about it on XX/XX/XXXX. I assumed XXXX had made the withdrawal. I contacted them XX/XX/2019 and they assured me they had not requested that payment and that they would return it and it should be redeposited in my account. As it is impossible to reach anyone at XXXX by phone, I sent two emails to them asking about the payment. I never received any response from them. It is now XX/XX/XXXX. My loan is due to close TOMORROW and XXXX is still showing an overdrawn escrow balance and is asking me to pay it off and then increase my mortgage payment going forward. It should not take an entire month to correct this problem. Also, the Loancare/XXXX  website looks like it was built by a 3rd grader learning to code. I can't wait to pay off this loan and I hope to never have to do business with these morons again.

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 2022-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
There is a billing error on my capital one statements. This notice is Pursuant to 15 USC 1666. Capital one is practicing unfair credit card practices which has caused multiple billing errors. My full correspondence in regards to the billing errors are in the documents attached. This obligation was already paid for when capital one got my credit card. Pursuant to 15 usc 1602 ( l ) the term credit card means any card, plate coupon book, or other credit device existing for the purpose of obtaining money, property, labor or services on credit. My credit card was used to obtain credit so I in fact extended the credit so this account was already paid. Pursuant to 18 USC 8 all debts public and private are the obligation of the United States so Capital One is in fact furnishing deceptive forms claiming that I owe and alleged debt when I do not. Pursuant to 15 USC 1602 ( k ) capital one failed to give me adequate notice that was supposed to clearly and conspicuously disclose the pertinent facts of the consumer credit transaction that took place with my credit card. Which is a direct violation capital one did not provide adequate disclosure in which I understood its meaning. Which resulted in me not benefiting in this transaction which has been unauthorized use. Capital One is in violation of 15 USC 1666b as a creditor may not treat any payment as late and there are multiple payments that are on my consumer report that is late and I have noticed Capital one of this error. I do not consent to capital one taking any adverse action to my accounts, closing my accounts, decreasing my credit limit or anything that will negatively affect me providing for myself and my son. Please check attached letter.

Company response to consumer: Closed with explanation