BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: U.S. BANCORP
State: NC
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:
Called XXXXXXXX XXXX  ( XXXX ) on XXXX for help disputing an incorrect XXXX WEB ORDER charge for {$1200.00}. I provided the necessary information and was told someone would be in contact. I received a XXXX letter the week of the XXXX explaining that the charge never posted and no further action would be taken. I contacted XXXX via phone and explained that the charge had in fact posted and been paid at that point. The lady looked up and confirmed the letter was in error and they did show the charge posted and would place it in dispute at this time. She transferred me to another lady who asked a series of in depth questions around the transaction and explained they would issue a credit for the charges while they worked to resolve the dispute. I received another XXXX letter on the 3rd advising that a credit had been issue but a series of documents asking the same questions were included with the letter. On XXXX, I attempted to call XXXX to ask if this was needed since clearly it was the same questions previously provided over the phone. I was unable to complete this question due to the amount if account verification information that was being required. I was asked by XXXX first to verify account information which I did before being transferred to XXXX. XXXX proceeded to ask ( and I'm serious, pull the call ) for my full name, address including zip, last 4 of SSN, DOB, and a code from a verification SMS that was sent. At this point I cleared the call since this clearly is not intended for any type of account verification and instead is an intentional hurdle to keep for providing customer service. I would like help resolving the billing dispute but I am unable to work through the intentional hurdles to even ask questions.

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 2022-10-16
Company: ALLY FINANCIAL INC.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Ally on line bank has customer service XXXX The problem you can never reach a real person, the wait times are sometimes XXXX hour and XXXX minutes, you can call at any hour of the day or night and never talk to a customer service person. 
I blocked from reaching my account information For example if a XXXX XXXX in maturing you have 10 days to make a decision or it will rollover automatically What if I want to withdraw my funds, I am blocked The reason I was calling customer service was to have the interest on mu XXXX  paid monthly I was blocked to on line access because I changed my email address and the verification code would be delivered to a closed email 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 2023-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One recently experienced a data breach. Due to negligence of their company, I have seen a significant increase in fraud, ID theft, and even all my passwords compromised. It has been hard to determine what are true calls and what are fraud and this has caused issues with payments being made etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: BCA Financial Services, 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:
In XXXX, XXXX I pulled my three main credit bureau reports. I noticed a collection for a BCA Financial Services , INC . I have never heard of them before. I sent them a letter on XX/XX/XXXX requesting information regarding this debt and proof that it was mine. They sent me a copy of a bill for XXXX XXXX from XXXX. Just had my name, my old address, and an address that I have never seen or lived at before. I did not vacation with XXXX in XXXX so I knew right away this was not my bill. I sent another letter ( XX/XX/XXXX ) asking for more detailed information. I asked for a signed contract, a photo of my ID that I may have given, or even more detailed information. Again, they responded with the same bill. 

Upon my research, there are MANY, MANY people with my name around the USA. So, giving it another shot, I wrote them a third time ( XXXX XXXX ) giving them one more chance to provide actual proof this debt belonged to me. As of XX/XX/XXXX, I have not received a response from BCA of any kind. 

Each time, I asked they remove this erroneous account from my credit. This does not belong to me and it is affecting my credit rating which I have worked so hard to improve and maintain. If they can not provide more proof than a general bill, then this case should be closed. They are violating the FCRA for reporting incorrect information, and now for not responding within 30 days. 

I simply ask this to be removed from all bureaus immediately so we can lay this to rest. I don't want to seek further action. BCA has not done their due diligence in regards to this matter. They have not responded properly to my requests. They have not provided valid proof of this debt belonging to me. Since they have failed to do all of these things, they are required to remove this from my Credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

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 2022-09-14
Company: TrueAccord Corp.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, i received an email from a company called TrueAccord located in XXXX KS stating that i owed {$1000.00} to a company called XXXX XXXX XXXX who is the current creditor to XXXX XXXXXXXX XXXX who originally owned this debt. i responded that i had no idea who TrueAccord was, who XXXX XXXX XXXX is or who XXXX XXXXXXXX XXXX is. I also let them know that I have never had an account with XXXX XXXXXXXX XXXX. I asked for proof of the debt and received a message that TrueAccord was suspending collection efforts and also asked several personal questions which i did not answer. I begin to receive collection efforts via email again on XX/XX/2022 via email. All communication has been to my work email not my personal email. I would like for these communications to cease unless someone can show me proof that this debt even exists. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
in the month of XXXX i call capital one call in an payment on XX/XX/XXXX, i check back on my account on XX/XX/XXXX in which i spoke whith an capital one rep, he told me that my 25 min payment was deny by my bank the told him the reason why was because it was not money in the account to cover the payment, so we call my bank which is XXXX ( XXXX XXXX ) an rep from them told capiital one rep that was an supervior, that the reason why the money did noy withdrew was because, capital one fail to colcect, on the note, it was not because it was not money to cover the XXXX $ payment note, that they did not deny that, that capital one did colcect to note or the money, afther she confrim or told, them the capital one rep said thats funny, ask for XXXX banking info i told she the bank rep told them, then he said ok, we capital one is going to corcet this.the bank rep hange up me and the capital one rep was on the line he told me to hold on, he was going to fix it, or corrcet it, he came back on the phone said the bank said that the reason why was because it was not money to cover the payment, then i told him " we just got off the phone whith my bank she told just mins ago that that was not the reason why, that it was beacause of you all, why did not you colcect the note '' ) i also ask if i can faile an complant so i can get the statement letter ect..he said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: JPMORGAN CHASE & CO.
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was purchased by Nationstar Mortgage, XXXX, XXXX. shortly after I lost my job and was unemployed for 7 months without an income, I missed a payment and had to make my payment on the XXXX instead of the XXXX of the month as that is when my wife was paid. I gave Nationstar this information, however they did not care or work with me at all and continued to charge me excessive fees, interest etc. I now make my payments on the 1st of the month and am re-employed, I now also pay escrow on my mortgage as this was mandated by the company because I was behind, even thought I always paid my insurance and taxes, they changed my payment without my knowledge to a larger amount, they said they notified me, however I received no such notice, now according to them I am even further behind, I have been making payments of {$940.00} the XXXX of each monthly, but my principle balance never goes down and every penny goes to escrow, charges fees, interest, inspections, etc. I paid {$1200.00} on the XXXX of XXXX 2016 and {$1000.00} went to the to fees and charges. In the past I applied for a Homes loan re-modification offered by Nationstar after providing them a wealth of information they required, they denied my request, I have spoken to many of their representatives, which are all from some foreign country, I get absolutely no help or resolution of any kind. They continue to send individuals to my home to take pictures of my house, even though I make a {$940.00} payment each month. I get constant collection calls, and threatening letters. I have investigated Nationstar on the XXXX. XXXX and they have over XXXX complaints related to the same issues I am writing about. At this point I feel that Nationstar iis a very dishonest company, they have no intention of helping in anyway, in just 6 months I have paid over {$4500.00} in interest and fees with less than {$300.00} actually going toward the loan. To me this a predatory company stealing money from myself and it 's customers. I want to know how this company is allowed to continue these practices, I want a resolution to this problem immediately from Nationstar Mortgage, and I fully intend to file a complaint with the XXXX, as well as with the XXXX of the State of XXXX, I want Nationstar Mortgage to know I am not leaving my house and as long as I make a timely payment each month they can not make me leave my house, I am going to do everything legally possible to stop these unethical practices!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Workers and manager within the company Nation Star have tried multiple times to fix the accounting error. I am told it can not be fixed as they have few home equity loans and no process to permanently resolve. On the payment records they sent me it shows workers have attempted to move payments made from principle column to payments column. I receive weekly phone calls saying I am behind on payments. I am threatened by their escalation team. While in hospital and in recovery they called and I said everything is on auto pay, I cant owe. So I paid again ( occurring many times ) It bounced and charges went to my XXXX XXXX credit card with higher interest rate for entire balance & banking fees. ( also because of this I switched & backed up checking w/ XXXX XXXX XXXX credit card and at time didnt know about the extra fees & interests. This is a XXXX loan thru Nations Star ( NS ). I ask for help from XXXX & told many many times not their co. take it up with NS & have for two years! At the end of every phone call they must say thank you for using XXXX. So it is both companys problem to fix. XXXX is a bank & I am a stock holder as all who are members. If they do this to me, I think they are doing it to more members. 
This all started when I went from XXXX to XXXX. I missed a payment at time of switch over I readily admit. & attempted to resolve. It & other extra payments went to principle. There are fees fines and aggregation. Ive had friends try to help, my XXXX tried, to no avail. I am XXXX and try hard to pay everything. My current medical bills are high & I cant keep paying XXXX more & more XXXX and interest.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: FIRST PORTFOLIO SERVICING INC
State: FL
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:
To who it may concern, Im addressing this complaint to Total Visa on XX/XX/XXXX my car was broken into my purse was stolen, including my phone my wallet, oh my credit cards, password book everything my entire life on the same day I placed another report with the police besides the fact, but stepped on my identity I tried to let Total Visa know that my card my account is compromised due to the fact that my password book was gone and the credit card was also gone and my phone. Well they decided to close my account after I even reported it to the FTC their report number is, XXXX. I dont feel like I should be punished because Im a victim, identity fact, and that my account got closed. With no warning

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized inquiries which do not belong to me or were opened without my permission. 

XXXX INQUIRIES : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-19
Company: CCF Intermediate Holdings LLC
State: TN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/17 : received debt collection call from. " XXXX, a manager '' ; advised him to do not call my number again. 

XXXX called again, declined call XXXX called again, spoke with XXXX reiterated XXXX request , advised reporting violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX is not reporting my mortgage to the credit reporting companies. Mortgage co now states because I filed bankruptcy back in 2005 and did not claim my mortgage to not be a part of the bankruptcy, is why they do not report my mortgage. however, i am attached proof of my property being exempt from the bankruptcy. in addition to the proof from being exempt, I also have a letter from XXXX stating this was their mistake and they are correcting it and going to start reporting it to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: BARCLAYS BANK DELAWARE
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:
On XX/XX/XXXX I received money back from Carnival about a cruise I had purchased that was canceled. I requested on XX/XX/XXXX for my refund to be cashed out and my monies mailed back to me. On XX/XX/XXXX they filled my request per my statement. On XX/XX/XXXX I contacted them via online chat and they created a case number CBR! XXXX XXXX XXXX XXXX XXXX XXXX, about my check being mailed out and assured me that a new check would be issued since I had not received it. They informed me in the chat that it would be 7 to 10 business days and also to check with my local post office about not getting mail. Contacted again on XX/XX/XXXX about still not receiving a refund check and to wait and they told me that 7-10 business days had not occurred and to wait. Contacted on XX/XX/XXXX about still not receiving my refund. They created a new case number, XXXX, and said in 7-10 days they will send out a new refund check and to wait after that another 7-10 days. I asked them to escalate my refund, that as a credit card this would not be acceptable for them, why should I accept it. They said they can not, I do not believe that is is good business practices in returning my money. Money that was refunded to me in XXXX I will not receiving until XXXX, just seems ridiculous. 

I have verified my address with Barclay twice when I have complained. I have verified my account information, I have checked with my post office and carrier. I don't know what else to do.

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 2022-09-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2017-02-16
Company: Credit Protection Association, L.P.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I submitted a payment for a past due comcast bill on XX/XX/2016 in response to a letter dated XX/XX/2016. The money was never deducted from my account. I contacted Credit Protection Association L.P. and advised the payment was not processed. There was an error with the account number entered. I submitted payment on that day XX/XX/2016 and was advised that the payment was processed and the account would be noted correctly. I was also advised that the account would not be reported to the any of the XXXX credit bureaus. A recent check of my credit reports show that account was reported after the payment was made.

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