BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 I opened a claim with capital one about a damaged pendant I had received from a seller in a mall. I told them that I returned the damaged pendant to them the very next day I bought it and was refused a refund. Which is why I initiated a chargeback. The customer service rep I spoke to apparently put that I kept the item. Ive called multiple reps to fix this misinformation yet none have. The only response I had gotten is that the charge amount was correct and that they would be reversing the credit they gave me. They said they requested pics of evidence from me for the first time the claim was opened but Ive told them I never received an email stating that. So the claim was opened a 2nd time. I then sent pictures of the damaged item for the dispute on XX/XX/XXXX to the bank as evidence and they claim they never received the email even though I have PROOF that I sent them the email with the pictures. After tons of calls I sent them that proof yesterday and today they said they denied my claim for the final time and will not be reimbursing me cause they said they cant find an issue. The customer service Ive dealt with at Capital One has been horrible and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My former loan servicer, XXXX XXXX and/or XXXX XXXX XXXX  XXXX XXXX ) XXXX endorsed and cashed an insurance claim check # XXXX in the amount {$42000.00} that was paid out by my homeowner 's insurance carrier XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, the insurance claim was related to damages associated with XXXX XXXX. I was not made aware of this claim initiated. 

The insurance check received included my name as XXXX of the payees. The check cleared shows that it was endorsed by a " XXXX XXXX XXXX '' with either M & T Bank and/or XXXX XXXX XXXX XXXX XXXX XXXX. The check cleared XXXX XXXX XXXX on XX/XX/2023, however I never received these funds. XXXX XXXX XXXX  knowingly cashed a check bearing my name without proper authorization, constituting an act of check forgery. 

I sent certified mail letters to XXXX and M & T Bank on or about XX/XX/2023 requesting all documentation related to the Citizens Property insurance claim, but to date, I have not received a response to these letters nor have I received the insurance claim funds. 

Furthermore in late XX/XX/2023, it appears that M & T Bank realized what may have happened and began altering my payment records. Apparently the insurance claim funds were applied to my loan balance without my knowledge. The misrepresentation of mortgage loan transactions led to falsified and inaccurate payment history. This deliberate manipulation of records mislead me about my actual payment obligations and affected credit ratings and financial standing. 

The evidence presented demonstrates a clear pattern of deceptive practices by XXXX XXXX XXXX  XXXX M & T Bank, including check forgery and deliberate misrepresentation of mortgage loan transactions and payment history. These actions not only breach fiduciary duties but also violate established consumer protection laws.

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 2021-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 XX/XX/XXXX I called Capital One and discussed the situation with XXXX XXXX not opening on time and a Capital One representative and they said to cancel my trip and they credited my card for {$5300.00}. Subsequently, they recharged my card 4 times during the dispute process. On XX/XX/XXXX my card was rebilled for {$5300.00}. I never would have canceled my trip had Capital One not assured me that I would receive a full refund. 

Capital One has lied to me. I will personally pay a visit to XXXX XXXX and get this settled one way or another.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$9300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$3800.00} ; P. O. XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am extremely upset and am considering sharing my experience with the local news, XXXX, and any other outlets for consumer protection that exist. The FDIC encourages banks to work with consumers affected by COVID-19. These efforts may include waiving certain fees, including overdraft, ATM, late payment, early withdrawal, and other fees.. This bank did not follow covid protection protocols put in place by the President of the United States for anyone affected by Covid. I clarified that I was affected by covid and I also was severely struggling due to the pandemic. I made proper people aware of the situation and I was basically treated like complete disgustingness by the bank staff and their behavior deserves to be investigated. Not to mention I was forced to pay fees that I could not afford, that were out of my control because the bank refused to assist me regarding the issues I had. I want the chairman of the bank involved I want an explanation of why he thinks this is ok to do to people who are struggling and who were affected by the pandemic directly. I lost so much from this pandemic and how it affected my life, and the bank did not protect me. Now, I paid this bank off immediately after they closed my account, on XX/XX/2021 and SunTrust bank has yet to REMOVE the report THEY HAVE BEEN PAID and there is NO MONEY OWED, there is no reason to hurt my credit, this was not intentional this was because I was affected by XXXX REMOVE the report from my XXXX XXXX now! I demand this issue be resolved and I also demand any and ALL overdraft fees, bank fees, and any other fees that were erroneously, illegally, or improperly charged to my account and taken from me to be immediately refunded. SunTrust should be ashamed of how they treat their customers. I will also go to social media and tell my story in detail. YOU ARE RUINNING MY ABILITY TO GET BACK ON MY FEET AND RUINNING MY QUALITY OF 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 2016-12-06
Company: NATIONSTAR MORTGAGE LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I took out a mortgage on my home in XXXX of 2006 for {$15000.00} at 13.48 % interest. The agreement says I will pay back a total of {$28000.00} to pay it back in full. I added up what I have paid back and it comes to {$50000.00}. Since I have over-paid by {$22000.00} do I have to keep paying them? The loan has been sold twice and Nationstar mortgage says I still owe almost {$16000.00}. I have fulfilled the original agreement and over. I do n't think this is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I was being investigated for fraud by unemployment of maryland however this was resolved. They have tried to process 13 payments but they were rejected by bank of america because the card and account is frozen. I have contacted unemployment and bank of america they said they are waiting for further guidance on how to deal with this. They owe me now {$5200.00} dollars and three months without payment and wont even allow me to switch my option to paper check. I NEED ANSWERS

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 2022-01-31
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021 I sent a validation letter to XXXX, Equifax, and XXXX regarding some inaccuracies that are reporting in my credit report ( attached below ). I exercise my right to request all three bureaus to provide me with verifiable proof that the negative items reporting on the accounts listed below belong to me or they have to remove those immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of the alleged original signed consumer contract to prove those accounts belong to me and that whatever they report on my credit report has to be 100 % accurate. On XX/XX/XXXX, I received a letter back from XXXX stated that they verified those accounts as accurate which is false and misleading which is a violation of my consumer rights. How can they verify it to be accurate if you can see the invalid inconsistencies in plain site ( shown below ) As for XXXX and Equifax it's been well over 30 days and I never received any investigation results In regards to the late payments that were reported, that is 100 % false because I paid those accounts on time, but to my understanding late payments shouldn't even be reported due to the COVID Forbearance Act. Not to mention I also have hard inquiries reporting on my account that don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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:
Hello and good afternoon i have a bank account with citizen banks in XXXX ny. I find out that were more than 20 fraudulent transaction i notify the bank ASAP and the bank declined my request in the sum of {$8800.00} the bank doesn't want to be responsible i have contacted the chairman office of citizen name XXXX and he never returned back my call i have exhausted all my options and i need help now i dont want to sue the bank but if i dont have choice i will sue them for taking so long ... ... ......

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX/XXXX/16 Nationstar had their 3rd party vendor XXXX XXXX XXXX secure the property i own and live at XXXX XXXX XXXX XXXX XXXX NJ. House was not vacant, i lived there and was in the process of negotiating a short sale with Nationstar. When i came home i couldnt get into my house a lockbox had been placed on the door. When i finally got in, I was horrified to find ALL of my belongings gone. everything I ever owned. To this date, neither Nationstar or XXXX has returned my belongings, which were most likely thrown away. Nationstar didnt bother to speak with me or my agent about securing the house, and now i have no clothes, no personal documents, etc. I was left like a dog in the street. I want NAtionstar or XXXX to return all my things or to compensate me for the things lost and for the pain and suffering, along with the health issues I have now had to deal with because of this traumatic event.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a United Airlines Chase credit card. The balance on the credit card was at XXXX percent interest ( after paying an upfront fee ) until, I believe XX/XX/2021. On XX/XX/2021, I was billed the annual membership fee for maintaining the card which was {$95.00}. On XX/XX/2021, I was charged {$0.00} interest and on XXXX XXXX I was charged another {$0.00} in interest. As I not only pay my minimum amount due each month but far in excess of the minimum, I believe Chase should have applied the excess payments toward the {$95.00} membership fee and not charged me any interest in XXXX or XXXX. As I understand the law, any payments received in excess of the minimum payment will be applied first to those charges with the highest interest rate, in this case that was the {$95.00} annual membership fee. Chase refunded my interest of {$0.00} after I called and complained but I do believe that they are not following federal law in applying payments properly.,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month ofXX/XX/XXXXand still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2023-11-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Am a natural person.I am a living human being. I have the rights under 15USC 1681 Equifax is governed by 15USC 1681 and they have violated my rights numerous of times.I demand the accounts listed below be removed because according to USC1681 the rights to privacy and I did not give Eqifax written permission to furnish these accounts 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX****** I was never late on the paid off account listed above please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account, if not please delete this alleged late payment from 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 2021-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
ON XX/XX/21. BANK OF AMERICA INFORMED MY COMPANY XXXX XXXX XXXX  THAT THRY HAVE DECIDED TO CLOSE OUR SMALL BUSINESS ACCOUNT. IMMEDIATELY ON XX/XX/21 WE WERE RESTRICTED FROM ANY ACCESS TO ACCOUNT # XXXX. WE COULDN'T WITHDRAW FUNDS, ACCESS FUNDS THROUGH ONLINE BANKING, WIRE FUNDS, STOP PAYMENTS, GO INTO A STOREFRONT AND CASH CHECKS. NOTHING. HOWEVER BANK OF AMERICA ALLOWED ANY CREDITOR TO CONTINUE TO ACCESS THE ACCOUNT THROUGH DAILEY WITHDRAWALS BEYOND ANY CONTRACTUAL AMOUNTS EVEN AFTER STOP PAYMENT REQUESTS WERE MADE. BANK OF AMERICA FAILED TO PROTECT US THEIR CONSUMER AND OUR PROPERTY UNDER THEIR CARE. CAUSING OUR SMALL BUSINESS TO GO FROM 23 EMPLOYEES TO 6. FROM XXXX PER MONTH INDEPOSITS TO XXXX. STOPING US FROM BEING ABLE TO MAKE BASIC DECISIONS AS TO WHO GETS PAID ETC. PUTTING US IN CONSIDERABLE DEBT. FACING LAWSUITS FROM CREDITORS BECAUSE WE COULDN'T ACCESS THE MONIES DEPOSITED. CAUSING US IN FALL INTO BANKRUPTCY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-15
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
As soon as I bought my new truck there were additional extended warrantys/ services. I called the next day to get them removed signed and return the cancellation forms and its been over 3 months and the extended services have not been taken off the f my total balance owed on the truck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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 is missing that should be on the report

Complaint:
15 U.S. Code $ 1681C-2 a consumer reporting.agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2022-11-12
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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. 

XXXX XXXX XX/XX/2020 # XXXX XXXX XXXX XXXX XX/XX/2020 # XXXX XXXX XXXX XXXX XX/XX/2020 # XXXX 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 ( AX ( 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. 

I have sent multiple disputes regarding these accounts that have ALL come back Verified Accurate/Complete, but when I sent my last dispute of accuracy and completeness of reporting, I included documents from transunion, XXXX and XXXX which show different information being reported, I was prompted with an Updated Credit report that is STILL INCOMPLETE and/or INACCURATE. there should not need to be information added/updated if an account is being reported to its completeness with 100 % Accuracy. 

These fraudulent reports have adversely affected my creditworthiness to competitors, therefore I request immediate removal of the following incomplete/inaccurate accounts from my credit report : XXXX  XXXX XX/XX/2020 # XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 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