BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Reading my credit report I noticed that there was a negative report, that one of my credit cards had been canceled. When I discussed this with a Menards supervisor she merely explained the policy, and that the account had a zero balance with no recent activity, and left me with no recourse. I would like this negative report removed from my credit report. I was given no prior notice before or after their act. The credit card was issued by Capital One. I filed a complaint with the attorney general and have waited for a response from Capital One since XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: IL
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 that I am never late for but they're reporting me as late.

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 2023-04-16
Company: EQUIFAX, INC.
State: NC
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a complaint # XXXX that was closed, however the issue has not yet fully been resolved. I was dealing with XXXX and she was helpful, but needed to follow-up after XX/XX/23 to finalize issue of interest fee charges. She called after business hours, as they always do and I repeatedly told them they must call during hours of operation so we can address this business account properly. I tried to call the main number back to leave a message for XXXX and was told they have no way to get message to upper management who is working with me. 

-I never received last months bill in the mail and never got a response as to why. They continue to not send invoices, then charge us interest and late fees. Can't rely on online statement because when I access my account online, it shows double billings- have not gotten a return call to address this issue. 
-Just printed out my last months bill and found more interest charges that need to be resolved. 

This is a continuation of the first complaint and need an upper mgmt person to contact me at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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. I told the XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, they have 5 inaccurate late payments reported, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 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 an 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. Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-07-17
Company: JPMORGAN CHASE & CO.
State: GA
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:
CLAIM # XXXX XXXX Purchased jewelry while on vacation. 

XX/XX/ Reached out to merchant via e-mail requesting a pricing adjustment since the items were fake. No response received. 

XX/XX/ Filed a dispute with my credit card company. Had the items tested with a local jeweler and they were determined to be synthetic. 

XX/XX/ Received a letter from the credit card company stating that since the items were purchased in person and they didn't have a valid document to compare what we bought vs the jewelers determination. 

XXXX  Spoke with the credit card company via phone. We discussed the fact that there would have been no way for me to determine that the items were fake just by looking at them in the store. I also pointed out that I did in fact provide the documentation showing what the merchant claims they sold me vs the jeweler 's statement that the items are synthetic. I was told that there is nothing else they can do because of time limitations. I filed the claim XX/XX/ and didn't get a reply until XXXX so I feel the credit card company worked time-line in the merchant 's favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: JPMORGAN CHASE & CO.
State: FL
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:
My Chase debit account was charged charges totaling XXXX along with exchange rates since this fraudulent charge on my debit card was international. When I checked my account on XX/XX/XXXX at around XXXX XXXX, I saw that I was negative XXXX - XXXX dollars and saw 17 charges on XXXX dollars from XXXX. I live in XXXX and have no contact with anything in XXXX. I immediately called chase and the agent told me to wait 2 days until the pending charges went completely through so that I could file a claim for them. After 2 days, on the XXXX, I filed a claim to get the money back. On Monday, I called chase where they tell me that the claim has been denied. Apparently, they say that a card was approved from an access code that was sent to my device. The device in question is almost always turned off and I did not give anyone an access code. I told them to please reinvestigate since I am not at fault here and I need my money back. After calling every day since that Monday the XXXX, today the XXXX, they tell me that my claim has been denied again. This amount is half my paycheck and has made me struggle with other debt I had to pay off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I, XXXX XXXX was attempting purchase a home for my and my children. This when I realized there are severe damages to my credit report. According to the 15 USC 1681 law there should not be any damages on my report. This is a defamation to my character.

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 2023-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/XXXX2022 ive owed {$230.00} to capital one. My monthly bill is {$91.00} dollars and i had previously paid it on XX/XX/XXXX. I missed my payment on XX/XX/XXXX due to me being unemployed. 
I contacted and set up a payment plan to catch my account up to date by XXXX XXXXXXXX 2023. This would have {$100.00} on XX/XX/XXXX and XX/XX/XXXX and feburary XXXX. 
There was an email sent with the details of the plan ( and this was more than the minimum id originally paid which was ridiculous ) I had paid {$100.00} on XX/XX/XXXX and {$100.00} on XX/XX/XXXX ( must have been off {$3.00} ) i check my consumer report on XXXX and saw a missed payment on my credit report as well as 100+ % utilization for the capital one account.

They still showed the account on my balance having 2 late fees and it substantially dropped my credit more than i like to admit. 
Ive reached out to capital one and their response was not helpful at all and said the payment plan was not to prevent any late fees from happening or missed payments showing up on credit beuru I felt like i signed an agreement that was not originally intended for and i tried working with the monthly payment whoch was off by {$3.00} when paid to get myself up to speed. I did offer to not only pay the {$3.00} but the following months payment And the payment plan wouldnt help me any way as a consumer to deal with financial hardships as promoted Not to mention a high XXXX apr as well as a high minimum fee due with also late fees costing {$40.00} a month

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-09
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The first time I was informed of the collection was XX/XX/2017, I received a collection letter from Procollect. An individual XXXX XXXX XXXX XXXX leased an apartment using my Information. I contacted the collection agency immediately and they said I had to pay. I contacted the 3 credit bureaus, placed identity theft on my credit and sent in documents to have it removed. After Initial call, I called about 3 more times to speak with the rep handling my file, she seemed unconcerned about my situation and rude, every time just said to email documents because she never received. Procollect has never sent a document signed by me, or any evidence that ties me to that lease agreement, they didnt even investigate because if they had they would notice the names are not the same. I have given up with no one listening. I am now in need for this to be fixed. I need to be able to rent an apartment under my name so I am asking to please fix this error that has been a pain for the last 4 YEARS.

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 2023-06-02
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I CURRENT, HAVE A CREDIT CARD WITH NAVY FEDERAL, FOR ABOUT 1 YEAR NOW. I HAVE NEVER MISSED ANY PAYMENTS, THE DUE DATE FOR MY PAYMENTS ARE ON THE XXXX OF EVERY MONTH. ON XX/XX/XXXX, I CALLED IN TO THEIR CUSTOMER SERVICE DEPARTMENT TO MAKE A PAYMENT OVER THE PHONE, WHICH THEY ACCEPTED ... FOUR DAYS LATER, I WAS TOLD BY NAVY FEDERAL THAT MY PAYMENT WAS REJECTED BECAUSE I WAS USING AN EXTERNAL BANK ACCOUNT, SO I WOULD NEED TO USE THEIR RECOMMENDED 3RD PARTY ( XXXX  ) TO MAKE THE PAYMENT - WHICH I DID AND THE PAYMENT WAS MADE FOR {$94.00} DOLLARS ON XX/XX/XXXX. 

XXXX SENT IN A CHECK FOR {$20.00} DOLLARS WHICH NAVY FEDERAL USE TO CREDIT MY ACCOUNT, BUT I HAVE NO CLUE WHAT HAPPENED TO THE REMAINING {$74.00} DOLLARS. i JUST CHECKED MY CEDIT REPORT AND NOTICED NAVY FEDERAL REPORTED ME 30 DAYS LATE FOR MISSED PAYMENT FOR THE MONTH OF XXXX, WHICH LOWERED MY CREDIT SCORE BY XXXX POINTS. 

WHEN I CALLED UP TO NAVY FEDERAL AND SPOKE TO SEVERAL REPS, THEY ALL CONFIRMED THEY SAW WHERE I MADE THE PAYMENT ON THE XXXX & ON THE XXXX BUT THEY DON'T UNDERSTAND WHY ONLY {$20.00} DOLLARS WAS CREDITED TO MY ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
BB & T refuses to close my checking and savings account. 

I have contacted the company asking them to close the account by the following methods : 1. By certified mail on XX/XX/21. 
2. By email on XX/XX/21 3. By phone on XX/XX/21, XX/XX/21 and XX/XX/21. 
4. By secure message ( through BB & T 's online portal ) on XX/XX/21, XX/XX/21, XX/XX/21 and XX/XX/21. 

Section D.8 of the Bank Services Agreement provided during application of the checking/savings account states the following : RIGHT TO CLOSE ACCOUNT. You or the Bank may close your account with or without cause at any time. 
... 
You may close your account at any time but must first notify the Bank in writing, or by contacting one of our financial centers, of your intent to close the account. Your failure to notify us may result in additional fees or charges on the account and you shall remain liable for any items in process. '' Despite being notified no fewer than 9 times, BB & T still refuses to close my account. Furthermore, BB & T opened this account with no intention of providing banking services and with the only intent of drawing initial funding from a non-BB & T checking 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
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2022-09-15
Company: EdFinancial Services
State: TX
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:
XX/XX/XXXX- Did a payment of {$15000.00} to my edfinancial account. It lowered the balance of one of my four loans. 

XX/XX/XXXX- heard the loan forgiveness program was passed by XXXX. As a pell grant applicant, I would be approved for up to {$20000.00}. Later on, I read that I could ask for a refund on the amount I paid. 

XX/XX/XXXX - XXXX Called to ask for a refund on a payment done. The representative let me know that they will start processing the refund, but thousands of people have applied for refunds so it can be over a year for it to get processed. If I wanted to cancel my refund request, I could do so at anytime. I asked if at least the amount would be updated on my edfinancial account so that I can apply for the loan forgiveness program. He let me know that this would happen at the same time I get the refund. He told me to not apply for the loan forgiveness program until after I get the amount updated on my account. I thanked him and hanged up. 

Later on that day, I realized I didnt get an email notification or anything that stated that I started this refund process. 

XX/XX/XXXX - XXXXXXXX XXXX I called back to ask for a confirmation number or if I could receive an email. The representative let me know that Edfinancial does not do that, but instead, it is noted for them in my profile and I can call back next month to check on the status, but that they dont know what the refund timeline would be. She let me know that the last day to apply for the loan forgiveness program is XX/XX/XXXX so to hope and pray it gets resolved before then. 

I have been told that to get refunded or my account updated, it will take well over a year, but that I cant receive anything in writing. However, I am more than welcomed to cancel my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/ I submitted a claim ( claim # is XXXX ) with my bank Wells Fargo as there was 3 charges from XXXX of {$230.00} totaling to {$690.00} I did not approve. I wanted these charges reversed I did not authorize this sell in my checking account. I reached out to XXXX and confirmed from them that these charges were never made in my account ( XXXX account ). Please see attachment below named " XXXX Customer Service '' for proof from XXXX that I myself never made these purchases. 
On XXXX My claim was cancelled by my bank Wells Fargo and I called the claims department to reopen the case. They made me send an email to XXXX and reopen, within the email I also attached the same email from XXXX you see attached to this complaint below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-23
Company: DISCOVER BANK
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Submitted claim on XX/XX/2023 for identity theft on the amount of {$8000.00} Discover claims : We found you liable for the transactions for the following reasons : Multiple fraud claims with like transactions. Valid payments are made on account without disputing balance when card is near limit and the credit from the payment allows transactions to go through. Valid keyed and/or swiped transactions mixed with fraud transactions. Claims made of not traveling in or near where the fraud took place, however login sessions or IP address reports back in the area the fraud transactions occurred. 

However the account 's information was stolen through cloning, online banking data breach, and/or social engineering. IP address faked using VPN. I did not consent to having my card and funding used to pay for these things, and have evidence to support my claims that these transactions are not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I called the TransUnion, XXXX, and XXXX after I purchased a credit report with XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I sent a letter to the XXXX credit bureaus on XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaints and hoping that these accounts listed below lates will be removed. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$170.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$190000.00}

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 2022-04-28
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened a savings account with Citi Bank about two months ago. A few days ago ( XXXX ), I received a notification from a vendor that they couldn't process my bill payment because the " account had been frozen ''. I was very shocked to hear this as my account is in good standing and Citi never notified me of any activity with my account. I called Citi Bank security on XXXX and they refuse to give me a reason why they froze my account and won't allow my access to my money. I tried calling again pleading to speak to someone that can help as I need to pay my bills on time, the representative said " there's nothing I ( me the account holder ) can do '' then proceeded to hang up on me. The company is essentially holding my funds hostage without cause and won't allow me to access it. I am a middle-class citizen that just wants to pay my bills without punishment or fees ( which I will not accrue thanks to Citi and no fault of my own ), but Citi will not allow my to access the money that I worked hard to earn.

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