BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
On Tuesday, XX/XX/2018 XXXX AM, I received a fully booked invitation to visit the " XXXX XXXX '' ( An Independent Indian Tribe Local Government in Oklahoma ), this invite included the Flight, the hotel and a rental car. Everything was accurately planned and scheduled and sent to me. 

XX/XX/XXXX, I traveled without any problem, picked the car, checked in at the hotel with no problem at all. 
It is the norm that I authorize the incidental costs on my credit card, I never had a problem. 

Everything went so well, I returned the car, with the gas tank half-full and I did return it on time as it was sent to me in the plan I had in hand. 

Thu, XX/XX/2018, I was hit by a charge on the car rental, I called and emailed customer service of " XXXX XXXX XXXX '' to investigate about that charge, and I was nice enough to say if you want to charge me about the half tank gas, it is OK, you can charge me for the full tank as per the price agreed upon and return the rest of the money. 
I requested a bill, they actually did send me a bill of {$130.00} that includes the whole thing with the rental ( that was paid for already ) with the gas with everything, I called my bank ( Capital One ) to dispute and a nice lady interfered and I stayed over an hour on the phone, 1- If my total bill is {$130.00} only why am I charged with {$170.00}? 
2- I claim that I owe them only half a tank which is according to the prices is {$38.00}. 

They offered to give 50 % discount, convincing us to get 50 % of the {$170.00}, which I hatefully agreed on and I was refunded {$19.00}. 
I rejected that refund while I was still over the phone with my bank and the merchant. 
I tried so hard to have answers for the above 2 questions. I never succeeded. 
The banker agreed to give me 100 % refund and asked me to submit all the documents I have that prove my trip was fully booked. 
I did provide all the documents I had which show clearly my point. 

XX/XX/XXXX, I found that I was re-billed the amount .. 
I called again, my bank, the banker confirmed they received all my documents and he was confused, struggling with words and told me that I had to talk to his manager.

The manager, she can not do anything about it and I will have to go to the Merchant to bring a signed bill because they do not know how much to charge me.

She wanted to convince me that {$170.00} is the price of the gas and that {$19.00} is half of the price of the gas. She did not make any sense, I have all the phone records ( as they do ) and all the documentations as well.. I am ready to escalate this to the court if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, 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 have consistently disputed inaccurate and unverifiable information that is reporting on my credit report and I would like a thorough investigation and immediate deletion! It has really affected my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I don't believe Truist ( formerly Suntrust ) has been applying my payments correctly. My Promissory note for {$110000.00}, XXXX XXXX interest, dated XXXX. It is a XXXX loan ( which I don't quite understand ). I filed for bankruptcy, Ch XXXX in XXXX. I reaffirmed my loan with Suntrust. At the time my balance was {$100000.00}. They lowered the interest rate to XXXX XXXX and the agreement stated that I have to pay {$520.00} for XXXX months, beginning XX/XX/XXXX. Scheduled to end XX/XX/XXXX. I have been made all payments. I know it takes quite some time for mortgages balances to drop because the interest is applied first, but it doesn't seem like my balance is going down. My current balance is {$92000.00}. Meaning over the past XXXX years, I've only paid {$11000.00} towards the principal. I have made all payments, even paying more than the amount due at times. I don't understand how this is possible. I began calling Truist XX/XX/XXXX. At first every representative I spoke with said my account is fine and that it will be paid off by XX/XX/XXXX. Then I explained that in order for this to happen, every payment I make for the remaining XXXX payments would have to be XXXX XXXX towards the principal. Then they research and claim that my loan maturity date was changed to the year XXXX. I tried multiple times to escalate my complaints with Truists. Each attempt has not yielded any success. I feel like I am being defrauded and I don't know how to get help. I have tried with my mortgage company, but I am not getting any answers. They keep sending me letters that don't address my complaint. When I call they say that my account should be complete and paid by XX/XX/XXXX but the paperwork they send through the mail is contradictory. I am worried that they will still say I owe money past the maturity date of XX/XX/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 2020-04-08
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job in the middle of XX/XX/2020 and because of the COVID19 crisis I've had difficulty paying my mortgage. My mortgage is through Chase Bank. I've tried calling chase bank dozens of times but I can not get a hold of anyone willing to help or explain my options to me. 

I keep getting a recorded line that tells me the " only option they offer '' is a forbearance period of 3 months after which the ENTIRE unpaid loan balance along with the 4th month 's payment will be due. This means they offer the option of pausing mortgage payments for 90 days, and on the 91st day, the entire balance of the previous 3 months in addition to the 4th month 's mortgage payment is due. 

This is predatory and completely unreasonable as a forbearance option. This is clearly not a good faith option Chase bank is offering. Chase bank 's representatives has refused to discuss anything further with me and have stopped responded to my email requests at communication. 

As per the : Board of Governors of the Federal Reserve System Federal Deposit Insurance Corporation National Credit Union Administration Office of the Comptroller of the Currency Consumer Financial Protection Bureau statement made XX/XX/2020, this goes against the " good faith '' clause outlining bank 's responsibilities to offer " good faith '' options for borrowers struggling with the COVID19 situation. 

The link to the statement is here : https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Financial Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According the FCRA AND FDCPA, XXXX XXXX  and Financial recovery services are in violation of my consumer rights. They have sent me several collections letters of accounts that I don't have knowledge on, and that I have requested investigations on for unfair and deceptive practices. 

They have not performed any proper investigations, and instead have " Assigned '' their debt to other entities that they own or are affiliated with, with the goal of re inserting this file into my credit reports under a different debt collectors name.

I believe they are engaging in unfair and deceptive practices by definition of the FCRA and FDCPA. 

The accounts are listed below : XXXX XXXX XXXX  15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Improper use of cards funds missing from bank credit cards being closed debit cards misused XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  misused closed acct. loans secured loan with XXXX XXXX XXXX XXXX XXXX never returned from XXXX loan several disputes no help. Unknown address on credit report mortgage loan on credit report. Eviction neighbors have all personal info XXXX XXXXXXXXXXXX XXXX would not allow to retrieve have all personal belonging. Soc security XXXX checks amount incorrect XXXX never delivered XXXX XXXX statements XXXX XXXX however someone used it at XXXX XXXX XXXX XXXX XXXX I started with XXXX in XXXX XXXX XXXX present believe someone is pretending to be me on my job ( working as myself as a XXXX XXXX XXXX XXXXXXXX XXXX using my credentials as a flt attendant fraudently. Accessing my benefits and pay. Used XXXX XXXX XXXX XXXX. I do not have any children. Signing in XXXX many different folks one shows zipcode XXXX unable to remove. Insurance fraud closed many insurances possible 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 this supposedly a savings acct however unable to withdraw from many more XXXXXXXX XXXX Need to speak to someone. neighbors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Also personal info stolen from by XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) has court report ID soc sec info XXXX XXXX Also XXXX XXXX XXXX XXXX they r using and selling my time never able to use data. I am XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-05-25
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Credit companies are not complying with their own policies in a timely manner. On XXXX XXXX I contacted them via mail concerning unauthorized inquiries and inaccurate information.

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 2022-07-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I need to open XXXX disputes for this transactions, the bank locked my account and I cant access to my online banking, also the call center doesnt work. 

Transaction XXXX : XX/XX/XXXX {$1000.00}, XXXX ( is the name of the payment processor ), merchant name is XXXX. It was a XXXX XXXX XXXX Transaction XXXX : XX/XX/XXXX {$990.00}, XXXX ( is the name of the payment processor ), merchant name is XXXX. It was a XXXX XXXX XXXX XXXX  Both orders must be delivered to my address on file on or before than XX/XX/XXXX. 
I started to contact the store on XX/XX/XXXX until this month without having any answer from them. The never answered the emails or phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX of 2022, someone tried opening an account with XXXX XXXXXXXX XXXX  using my social security number from a XXXX XXXX address. I was able to cancel that application, however, the bank did little to help me afterwards. Then, on XX/XX/XXXX of this year, someone from XXXX tried using my social security number to open another account. Its left me with hard inquiries that I have been unable to remove. I have frozen my credit with all 3 bureaus and I need help getting a letter from the company saying that I did not authorize either of these accounts. I want to get my inquiries removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
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 have consistently disputed inaccurate and unverifiable information that is reporting on my credit report and I would like a thorough investigation and immediate deletion! It has really affected my life.

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 2020-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I purchased an item on XXXX which is a mobile phone application for selling and buying various items. After purchasing, the seller canceled the purchase and raised the price due to them " realizing '' their item is worth more money than what I originally paid for. So since I originally paid for the item before the cancellation, the money was deducted from my Bank of America checking account. And I wasn't able to afford the new price because it would take a day before the money from the original purchase would be refunded to my bank account. So the seller encouraged me to send them money through XXXX, which is a money transferring service I can access through my Bank of America account. The seller offered me a lower price of {$550.00} which I could manage to pay until I received my refund for the original purchase. The seller has XXXX through Bank of America aswell. So i transfer the {$550.00} to the seller through an email that they provided me. Everything goes through and I receive an email confirmation from Bank of America stating that the transfer was successful. After the transfer, the seller responds by thanking me and giving me shipment details, hours later the seller forwards me an email from Bank of America stating that the email I sent the money to was removed from their account. So the seller says they can't see any money in their bank account. However, when I call Bank of America they confirm that the transfer was successful and was deposited into a Bank of America account under the same name and email as the seller. But the seller denies being able to see the funds in their account. On XX/XX/2020 I continue to work with the seller to try and find a solution, and they seem genuine and seem like they're trying to help, but whenever I suggest that we both get on the same call with Bank of America they always avoid the question and tell me to call and get it figured out on my end. So we don't make any progress on XXXX, XXXX 2020, and then on XX/XX/2020 I try to get in contact with them through email and they stop responding altogether, I also check their account on XXXX and they've re-posted the item, trying to sell it again. I've tried multiple times to get help from Bank of America but they say they can't do anything about it because I authorized the transfer. I opened a claim for them to basically call the owner of the bank account and ask them to release the funds but they may choose to keep them if they wish. So there really is no sure way to get my money back.

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: Experian Information Solutions 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 2023-01-02
Company: KEYCORP
State: WA
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 name is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX XXXX, Washington. I am XXXX XXXX XXXX. 

On XX/XX/2022, Key Bank allowed multiple fraudulent transactions to occur on my business checking account without my knowledge or consent ( {$48000.00} ). Key Bank allowed a criminal to call in through their automated service number and fraudulently transfer {$5000.00} from my business line of credit to my business checking account to ultimately steal. Key Bank allowed transactions to occur over the phone without vetting that they were actually speaking to me. Below is a list of transactions that Key Bank allowed to happen without my knowledge or consent : XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$1000.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$6800.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$6900.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$1000.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$4900.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$6900.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$5000.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$1000.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$6300.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$1000.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$1000.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$1000.00} XX/XX/2022 Phone Transfer from business line of credit {$5000.00} XX/XX/2022 Credit, XXXX- {$0.00} XX/XX/2022 Credit, XXXX- {$0.00} XX/XX/2022 Credit, XXXX- {$0.00} XX/XX/2022 Credit, XXXX- {$0.00} XX/XX/2022 Direct Deposit, XXXX XXXX XXXX Account Verify - {$0.00} XX/XX/2022 Direct Deposit, XXXX XXXX XXXX Account Verify - {$0.00} Key Bank Case # XXXX XXXX XXXX Police Department Case # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CFPB Case # XXXX XXXX XXXX XXXX fraud happen to him in XX/XX/2022 with Key Bank in which criminals were able to XXXX {$430000.00} successfully. Key Bank did not refund this fraud. 

I am not affiliated with XXXX XXXX and XXXX XXXX XXXX in any way other than we both bank at Key Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: CITIBANK, N.A.
State: CA
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:
I contacted city Bank about fraud after getting multiple letters that do not state a reference number every time I call they seem to get mad that I ask why they need more information like past address as my families information to address my issue they failed to send a letter with a reference number to unlock my 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 non-monetary relief