BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
After being advised of a large debt on my credit report on XXXX/XXXX/XXXX, I contacted Capital One on XXXX/XXXX/XXXX, who very vaguely told me that my account was " Charged-Off '' and I needed to contact XXXX ( the collection agency ) which C1 supplied the phone number to me. I asked C1 to send me a copy of my back statements so I could find out what happened & when. As of this date ( XXXX/XXXX/XXXX ), I still have never received anything from Capital One. I then contacted XXXX on XXXX/XXXX/XXXX and asked them about my account. I was told they just received the info. They looked into it and contacted me back the next day ( XXXX/XXXX/XXXX ). Since then I was getting a call a day from XXXX occasionally 2 or 3 calls a day, until I asked them to not call me every day about it & I was looking into the matter. On XXXX/XXXX/XXXX, I received an envelope from XXXX postmarked XXXX/XXXX/XXXX with copies of my statements for the past year, and a letter from them dated XXXX/XXXX/XXXX. 

Going back through all my previous statements, I found that this automatic withdraw payment problem with Capital One has been going on since XXXX XXXX. I do not look at statements every month and knowing my other Capital One accounts are on an automatic withdraw payment plan with no issues, I did not know there was a problem. To this day, I still have not found or received any info from Capital One advising there was a problem with this account. Every month, C1 has been adding late fees, returned payment fees, interest fees, and changing the APR rate ( there may be more that I am unaware of ). The amounts keep changing, some months are higher & others are lower. 

When I originally spoke with the lady at XXXX, she agreed with me, seeing my information coincided with what she was seeing. 

Another issue compounding to this problem was my original C1 account number had been compromised. C1 issued a new card with a new number. 

I received 2 from calls XXXX last week, 2 more calls on XXXX/XXXX/XXXX and another one last night.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Ronald H. Reynolds, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX filed a Garnishment in XXXX  XXXX in which I do not live in XXXX XXXX at the time filed. My past employee was XXXX  XXXX in which I work for when I lived in XXXX XXXX. Also I lived in PA for over 3 years in which a Garnishment is not vaild unless owed for Residential lease, Restitution for a crime, Owed Student Loans or Income Taxes, or State Taxes. Title III of the consumer Credit Protection act. Ronald Reynolds File in XXXX XXXX as if I work in XXXX XXXX and a resident at the time of filing in which bi was not giving a notice to after all the court papers was filed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX a wire transfer for {$46000.00} was summited to our family trust account at JPMorgan Chase Bank NA from XXXX XXXX. Chase bank refused to accept the funds. 
The transfer should have taken no more than 48 hours but it still has not been completed as of XX/XX/XXXX. 

We called Chase Bank on XX/XX/XXXX and were told they had reached out to XXXX XXXX  and were waiting to hear from them. To give them 24 - 48 hours. We called them back several times over the past week and the money has still not been transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: PNC Bank N.A.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My wallet and cards were lost as stated in the police report. I have several cards that were lost not just this one and I'm still working to get my money back from all of my other cards. Please see attached police report and transactions in question. 

I have reported to PNC in XXXX as soon I noticed those transactions. 
I did not get the transactions highlighted credited back. I have reported them as fraudulent but they were never taken off my account or they have been rebilled. Please note the last valid transaction on this card should be on. 

XX/XX/XXXX XXXX XXXX  XXXX CA {$1.00} ( monthly auto bill ) EVERYTHING after XX/XX/XXXX is fraudulent ( See highlighted PDF for the fraudulent charges ). Please help me reopen the case if there is still one pending. I haven't heard back from anyone from PNC so please email me and call me if possible. I am still in between moving and work traveling so rarely home. 

Pattern of spending is totally out of my character too. As well as I see a lot of those charges are in Florida! I was nowhere near FL when this happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: FL
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 act XXXX XXXX XXXX Account # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear Agency, I am writing to complain about the incorrect addresses listed on my credit report. According to my credit report, there are several addresses that do not belong to me and have never been associated with my name. These are the INCORRECT addresses : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX As you are aware, incorrect information on a credit report can negatively impact an individual 's credit score and their ability to obtain credit. In addition, it is a violation of the Fair Credit Reporting Act ( FCRA ) to report inaccurate information on a consumer 's credit report. I have attached a copy of my credit report for your reference, which clearly shows the incorrect addresses. I would appreciate it if you could take immediate action to rectify this situation. I also added a current utility bill and a passport to validate my person. Thank you for your prompt attention to this matter. Sincerely, 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 2017-03-17
Company: PNC Bank N.A.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I cancelled PMI premiums with PNC in XXXX. I previously filed complaint XXXX due to excessive delays in processing my request to cancel PMI premiums. This is not a duplicate complaint, although it is related. PNC delayed processing and continued charging premiums. The representative who contacted me regarding my complaint alleged that I would be refunded for the premiums they continued to charge. 

I mailed PNC a request to cancel PMI on XX/XX/XXXX, notifying them that I would be below 80 % LTV by XX/XX/XXXX. I called numerous times and received no response other than " we are submitting a request. '' On XX/XX/XXXX, 13 days after my balance became below 80 % LTV, I filed a complaint with the CFPB due to a lack of response. On XX/XX/XXXX, PNC mailed a response to me, asking for {$500.00} for an appraisal. On XX/XX/XXXX, a PNC representative finally contacted me by telephone. She forwarded me an electronic copy of the letter which had been mailed XX/XX/XXXX. I sent a check for {$500.00} by overnight mail which was received by PNC on XX/XX/XXXX. 

PNC cashed my check on XX/XX/XXXX. PNC then waited 15 days after cashing my check and mailed a response to me postmarked on XX/XX/XXXX asking for {$60.00} more for an appraisal. PNC received my check by certified mail on XX/XX/XXXX. 

On XX/XX/XXXX, 39 days after I reached the 80 % LTV mark, PNC charged me an additional premium of {$74.00} as part of my monthly mortgage payment. 

PNC routinely waited 13-15 days to respond to any communication, and continued charging me premiums. 

PNC finally arranged for an appraisal on XX/XX/XXXX, 56 days after I mailed my original request to cancel PMI. The appraisal sufficiently proved that my property has not declined in value. 

PNC withdrew a monthly payment of {$74.00} from my escrow account on XX/XX/XXXX and then withdrew an additional payment of {$74.00} from my escrow account on XX/XX/XXXX. 

On XX/XX/XXXX, PNC mailed me a " refund '' of {$42.00}, despite the fact that they charged my {$74.00} on XX/XX/XXXX and withdrew two monthly payments from my escrow account on XX/XX/XXXX and XX/XX/XXXX. 

I am therefore seeking the full refund for PMI premiums that PNC took from my escrow account in XXXX which is {$140.00} minus the partial refund of {$42.00}, per the terms of the Homeowners Protection Act and the terms of my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I declared bankruptcy and it was discharged as a Chapter XXXX bankruptcy on XX/XX/XXXX. My XXXX XXXX XXXX credit card account was part of that discharge yet they are still reporting to the credit reporting agencies that I am delinquent on that account, over 10 years later. On approx. XX/XX/XXXX, I contacted them by phone and the clerk agreed their records show the account was discharged in my bankruptcy and that she would submit a dispute to hopefully have it removed. I received their response to that dispute, dated XX/XX/XXXX, in the mail. It clearly states the account was discharged during my bankruptcy. And it also clearly states that they are correctly reporting my delinquency and will continue to do so. I called again and spoke to a supervisor, and then to her supervisor. Both stated they could see it was discharged in my bankruptcy and both stated they could only resubmit a dispute to the same department that already refused to fix the mistake. And that their response would probably remain the same. I informed them it is a violation of my rights to continue to report me as delinquent but they said their policy is that they can only resubmit a dispute and were not capable of actually fixing their mistake.

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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2016-07-07
Company: General Recovery Services of WV, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I received a voicemail from someone sayin thier name was XXXX on XXXX XXXX at XXXX. He said he was a privately contracted courier and is being dispatched to get my signature on a notice. That i need to provide XXXX forms of identification and that at least XXXX of them need to be a government issued picture id such as a driver 's license or passport that is required by state law. His call went straight to voicemail because I have blocked them from calling me and have officially told them to cease contacting me. however blocked callers can still get through when they start their call with *67 or call while I 'm on a call they get through via call waiting. He then went on to tell me that they were going to try to schedule the delivery to be delivered at my place of employment and or my place of residence. He stated that if I have any questions prior to delivery to call XXXX id XXXX unless he hears otherwise he will give me a call the morning of delivery. I called the number he provided and the person who answered the call was the same voice on my voice mail he answered saying he was with the legal department of the GR Group I gave him the id number left on my voicemail he asked if i were XXXX I replied my name is XXXX he then went into saying he was collecting a debt for XXXX XXXX XXXX I stopped him and told him that he nor anyone hired by him or his company are allowed to show up at my place of employment or my residence and reminded him that I have given them instruction to cease contacting me that I do not owe anything to him or anyone he represents

Company response to consumer: Untimely response
Consumer complaint received 2019-06-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX @ XXXX I received a phone call from a collection agency demanding payment. I kindly requested to cease all phone calls to me regarding the debt. Starting on XX/XX/2019, this company has continued to call me at least twice a day. On XX/XX/2019, they also made a phone call to my desk phone at work. I have requested a cease and desist but they continue to call. I am pretty sure there are laws they are violating

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: GOLDMAN SACHS BANK USA
State: NC
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: Problem with personal statement of dispute

Complaint:
I paid off my loan about two months ago. They refuse to update my credit record, The payoff amount was over XXXX XXXX dollars. I have documentation from my credit union. 

XXXX XXXX XXXX XXXX XXXX. They are scamming XXXX XXXX  I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a notice from Capitol One that my " XXXX Checking account was overdrawn ''. I have never had any account whatsoever with Capitol One. I tried contacting them on the Saturday morning when I first opened the letter. But they were not open. Then, I called during the week, first thing Monday morning. I waited on hold for a total of XXXX minutes to reach a person who said that they could help with this problem ( it took XXXX people ). In all, I spent one hour trying to resolve this. I was told that they could not solve the problem unless I gave them my social security number or tax ID number -- which I wasn't willing to do. Why would I give sensitive, personal information to a stranger that I do not have any relationship with? Now I have spent more than an hour of my time -- on a work day -- trying to solve a problem that they created. 

Why is Capitol One allowed to have a business model that depends on making citizens vulnerable to fraud? They send countless solicitations to my house that I have to cut up or tear up. Despite my best efforts to avoid it, someone has opened a fraudulent account in my name -- and I can't get Capitol One to fix it. Their profits come at the expense of my work, my effort, and their requirement that I fix the problems that they created. How is this legal? Capitol One should be required to COMPENSATE individuals when their business practices have these consequences. I don't work for Capitol One, and I SHOULD NOT BE FORCED TO DO SO!

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

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I signed up for a credit card with Synchrony when purchasing furniture from XXXX XXXX XXXX. I signed up for a promotion of one year no interest. I then proceeded to sign up for autopay for my monthly payments. Today, I noticed a jump in my credit card statement which got my attention. I called the company and learned that the promotion was over and I had been charged back interest and a 29.99 % fee as well. My balance increased by {$500.00} from XX/XX/XXXX to XX/XX/XXXX. 

I understand I had a contract but I did not notice the promotion ended because I had signed up for autopay and missed the warning they provided in XX/XX/XXXX and XX/XX/XXXX 's statements. The only reason I noticed was the outrageous increase in my balance on my monthly email notification about my autopayment. 

I think credit card companies should have to notify you in the email autopayment that your promotion is coming to an end and to log in and view the statement. Most consumers do not look at the statements once enrolled in autopay and the credit card companies have an obligation to be more forthcoming. A consumer is likely to forget as I did when the year is up especially when using autopay. 

I spoke with Synchrony and tried to work out a deal to pay the amount off as of XX/XX/XXXX in full if they would work with me to waive the added interest and additional fees associated with a 29.99 % interest rate.They said they could not do that, the most they would do is waive a fee of approximately {$150.00} if I paid off a second charge that was also a smaller part of the total.

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 2022-11-12
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 belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The company doing business as California Business Bureau is harassing me about paying a debt that is beyond the statute of limitations to collect a debt in California. The debt in question is more than 4 years old. They keep sending bills and I have sent multiple letters to dispute these accounts but to no avail. Please intervene so this harassment stops. Also some of the accounts are past 7 seven years old and should not be reporting in my credit reports any longer. This is causing me financial and mental stress.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy. 

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation