BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened 2 savings accounts with Citizens Access both in the amount of {$250000.00} on XX/XX/XXXX. Beginning on or about XX/XX/XXXX I began attempting to transfer {$150000.00} to an external account. Each attempt failed with a message stating that there was a problem with the transfer and to try back. After multiple failed attempts, I contacted Citizens Access by phone yesterday, XX/XX/XXXX. The representative I spoke with advised me that my account is locked due to an internal investigation and that someone would contact me within the next few days. He said he coulde n't give me any further information regarding the reason for the internal investigation. After further consideration, I decided that waiting to hear back was not an acceptable resolution. I called again today and spoke with XXXX in escalations. She confirmd that the account is locked due to an internal investigation. She would not tell me why, how long the investigation would proceed, or who I could speak to to get these answers. She did confirm that the internal investigation was inintiated on XX/XX/XXXX - the same day the account was opened. So, since deposting the funds, I have not had access and have been given no indication as to when I will be granted access. The case number she gave me for the internal investigation is XXXX. Upon reading other reviews, I'm seeing that other consumers are experiencing the same situation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
In case the description below is all auto-formatted, with all spaces and empty lines automatically removed : Please see an attached pdf re-iterating the issue. 


Dear CFPB : Capital One as my credit card issuer refuses to follow MA state law, on multiple occasions : As per M.G.L. Part I / Title XX / Chapter 140 / Section 114C : https : XXXX If the cardholder cancels the agreement at any other time during the year, he shall receive a refund on a pro-rata basis of two-thirds of the annual fee. 


However, Capital One refused to provide a prorated return of two-thirds of the annual fee charged. 
According to their policy, only full refund is due within 45 days of the annual fee charged. 
In my case, I requested a prorated refund ( not full refund ), after 64 days : Affected account : XXXX card ( ending in XXXX ) Annual fee : {$390.00} Annual fee billed : XXXX, 2023 Account closed : XX/XX/2023. 

The following phone conversations were made with Capital One supervisors : Both of them have refused to provide annual fee prorated refund. 

Supersivor ID XXXX ( XXXX ), XX/XX/2023 XXXX Supersivor ID XXXX ( XXXX ), XX/XX/2023 XXXX. 


I thereby request : To provide an prorated annual fee refund for the {$390.00} fee paid. 
Fee paid over period : XXXX - XX/XX/XXXX = 64 days XXXX of the fee : {$260.00} ( 365 days ) Prorated over leftover 301 days : {$210.00} As a major lender for credit card consumers in MA, Capital One has to abide by the law of the state they operate in. 


Please contact me with any questions. 
XXXX XXXX Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my son XXXX and I purchased a condo located at XXXX XXXX XXXX XXXX  XXXX, in XXXX Massachusetts. On XX/XX/XXXX the mortgage was sold to PHH mortgage services, XXXX XXXX XXXX, XXXX XXXX On XXXX I contacted PHH for reimbursement from my escrow account for taxes I paid. The town of XXXX taxed the previous owner, XXXX XXXX of XXXX XXXX XXXX. XXXX XXXX is now the property manager of XXXX XXXX and collects the monthly condo fee. Failure to pay him would result in being delinquent on the condo fees. On XX/XX/XXXX I sent XXXX a check in the amount of {$480.00} covering taxes for XXXX, XXXX, and XXXX. I sent another check in the same amount on XXXX. I have repeatedly called PHH and they have refused to reimburse me. My current escrow amount is over {$4000.00}. I am asking for less than {$1000.00}. I have submitted my canceled checks as well as the quarterly bill from XXXX. Each time I call PHH I speak to someone who is most likely in XXXX and is not helpful at all. Im hoping you can help access the funds in my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am a co-signer on my daughters student loan. I realized after she made payments for 10 years that she is barely paying any principal. I feel that this company has taken advantage of my daughter by allowing her to pay mostly interest. She has paid approximately {$22000.00} over the last 10 years on a {$25000.00} loan and still owes {$17000.00}. 
I called Navient on XX/XX/2018 and offered to pay them {$12000.00} to pay off my daughters loan. They refused to negotiate any payoff amount other than the total outstanding balance. I believe that this company is engaged in predatory lending practices that take advantage of young adults who dont know they are being ripped off. 
I dont want to advise my daughter to stop making the payments to make the company more agreeable to negotiations but refuse to let her continue to pay off this loan under these terms. 
We want to pay our bill but believe that they have made enough profit from my daughters good payment history and should be willing to negotiate a payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Paypal Holdings, Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I purchase a XXXX XXXX camera in the amount of {$1300.00} using PayPal to pay the seller on my debit card on XXXX XXXX and never received the item and PayPal refuse to help and closed my complaint case against the seller on three different times. The merchant is XXXX XXXX and his info is XXXX and transaction id XXXX. PayPal posted on there site consumer who use the site will have purchased protection but they do not stand by that is saying they are exactly the same as a scammer themselves and someone should put a stop to PayPal doing this to consumer. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: InterLinc Mortgage Services, LLC
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was referred to XXXX XXXX  in XXXX, KS ( XXXX XXXX ) by a friend who was a current employee. When I first began the loan process, I was told that I should qualify for a Conventional Loan. After going through several weeks of continual submitting documents I was then told that they will need to transfer my loan to FHA. I submitted several other documents and were told that we should be good to go however just a few days before closing date I was informed that the Underwriter would not clear me for the loan. At that time, XXXX XXXX had another suggestions that was to send my loan to a private investor, XXXX XXXX 's father. I did not know what was going on but I meet with the private investor and learned that there would be an outrageous cost to fund my loan. I then spoke with my realtor and she suggested that I might want to reconsider because she had learned of some disturbing news about the situation. I was later informed that there was some illegal action going on by XXXX XXXX   ( skating ). I nicely declined the services of the private investor. I then contacted another lender and was approved and closed on a Conventional Loan that the lender told me that I should have been approved for several months earlier. I was very vulnerable at the time that I was trying to go through XXXX XXXX   because my wife had recently passed away in our home and I could no longer live there. I feel XXXX XXXX took advantage of my situation in an attempt for a larger financial gain with her father. Please investigate this matter because my friend who was employed with XXXX XXXX  informed me that my application was not the only one that dealt with this corrupt situation. Thank you. 

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 2023-08-10
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my debt I have never had an account with XXXXperiod. Take this off my credit you can not prove this is my debt because it's not mine please remove or I will have to contact the state attorney office and my lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, On XX/XX/2019, I applied for a line of credit with Regions bank for {$40000.00}. The home does not have any liens associated with it nor does it have a mortgage. I was declined for the line of credit due to my credit. However, I met the score requirements and the other requirements for approval. Furthermore, I contacted the mortgage division through phone and the rep stated " The amount of the loan was too much for my property. '' No one did any comps on a property in two hours in order to make that determination in such a small amount of time. My banker even responded with a lower number, the underwriter still did not approve it. Once again the banker and the mortgage division rep stated the same thing, " it's your credit. '' It's no way my credit was an issue, because I met the requirements. I truly believe Regions declined my line due to the fact I was XXXX and staying in a predominantly XXXX area. The fact that the underwriter did not respond with a lower number, further lets me know something is not right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I contacted Robinhood on XXXX XXXX XXXX as I had a restriction on my account and was unable to initiate a transfer of my funds out to another account. I contacted customer service that day ( XX/XX/XXXX ) and was told my money was locked in for 60 days or I can request a manual transfer if I submitted required documents. I complied with all requested documentation needed that day. After submission of documents an email was received that the transfer would initiate in 2-3 business days. I waited the 3 business days and then began calling to inquire. Each time having to explain the situation as no one seemed to be able to see I had submitted everything, etc. Multiple email responses received requesting an explanation of what was needed to the original replies from the emails requesting the manual transfer on XX/XX/XXXX, an absolute mess. One exception of a customer service agent via phone support who said she could see it was pending to be done. She said she would have someone email a time frame from that department that day. That email never came. Its now going on two weeks. No email responses back and the phone support option has been removed from Robinhoods app. No consistency as each time a communication is initiated it becomes a different case number. Each email reply goes doesnt necessarily go to the same person. I have continued trying to make the transfer myself 3 times now with the same result. Unacceptable customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: OH
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 sent a letter on XX/XX/2021 I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts.

I need this problem fix ASAP. I should not have to wait another 45 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 45 days so they should be deleted promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for a credit card and I got denied. I was not told the reason why I got denied, I went home and decided to get a copy of my credit report in XXXX XXXX  and I saw various items that had been open. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report.

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 2022-10-28
Company: Early Warning Services, LLC
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: Problem with personal statement of dispute

Complaint:
i have contacted the company early warning with no results. I have sent them documents supporting this was not misuse of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Problem with personal statement of dispute

Complaint:
I have had half a dozen Business Credit Cards in the past and have never had a problem with personal credit. I recently opened a Capital One Spark Business Credit Card for a business purchase and they reported my balance and information on my personal credit report. 

I understand that I am a personal guarantor of the credit card- like all business cards- but NONE of the other business cards have ever reported on my personal credit report. I have excellent credit 780+ and used the card for a business purchase of about {$10000.00} and my credit score dropped by 104-114 points. This PERSONAL credit report was not clearly disclosed. When I called Capital One they said it is in the terms and conditions. I checked and it is buried in there. It is NOT clearly highlighted that this will impact personal credit or report on personal credit. They are the ONLY company I have dealt with ( XXXX, XXXX, XXXX XXXX, others ) do not report this. This needs to be disclosed CLEARLY just like APR and other issues. This has now negatively impacted me and I NEVER would have opened this card if this had been disclosed clearly, which it was not, and was misleading. 

I read the entire website- NO WHERE is it mentioned that this will report on personal credit. I read the Terms and Conditions on the site, no where does it say that it will report on personal credit, which is a deviation from industry norms. https : //www.capitalone.com/small-business/credit-cards/spark-cash/ # disclosures

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed the amount this company is trying to collect. I. Q. Data is reporting the same debt twice on my credit report with XXXX different amounts owed. I sent them a certified debt validation letter which they refused to investigate. If they can not satisfactory validate this debt, I demand they remove these collections from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AFNI INC, need to remove any information claiming I owe {$340.00} to XXXX XXXX. That debt was paid in full to XXXX. I have contacted the Attorney Generals of Illinois and Georgia to file a complaint. The report says the account was reported on XX/XX/2019. Then it says it was reported XX/XX/2019, which appears backwards. I could not get any proof that this account was mine from either XXXX or AFNI. I was bullied into paying the debt because I am trying to purchase a home. The account # XXXX is showing on all three credit reporting agencies. Please help get it removed. I have also contacted the credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 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 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 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.

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 2020-03-26
Company: LJ Ross Associates
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 received a bill from LJ Ross stating that " XXXX '' owed {$870.00} to XXXX XXXX in XXXX Michigan. 
XX/XX/2020 Sent a certified/ return receipt letter stating the charge is not mine, my legal name is XXXX , I have never lived in Michigan , I  have never had an account with XXXX XXXX and asking for amount of alleged debt, full name and mailing address of original creditor, documentation that they have verified that I am legally liable for this debt and a copy of that judgement and documentation showing that they are licensed to collect debt in Washington State. 
XX/XX/2020 - Letter was delivered to LJ Ross and signed for by XXXX XXXX XX/XX/2020 - Received a letter for LJ Ross stating that XXXX owed money to XXXX XXXX, a copy of an energy bill from XXXX Michigan and nothing proving their claim that I owe this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: TX
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:
This is my 3rd request that I am a victim of identity theft and I write to dispute certain inquiry in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
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 non-monetary relief
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: CA
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:
Under 15 USC 1681 of consumer laws, a company must adhere to certain guidelines when charging off an account and reporting it to the IRS, as well as reporting late payments. If an account has been closed and charged off, and a request for a 1099c was made, the company must comply with the request.

Additionally, if the company has put the account back on the consumer 's credit report without authorization, this may constitute a violation of the Fair Credit Reporting Act. Only authorized credit reporting agencies may make such changes to a consumer 's credit report. 

In this case, it appears that XXXX and XXXX has acted outside of its authority by putting the account back on the consumer 's credit report. The consumer may have grounds for disputing this information with XXXX and seeking its removal from their credit report under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation