BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-17
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX XXXX XX/XX/2018 Background : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX, MA. XXXX ( XXXX ) XXXX Applied for a XXXX XXXX job. No idea when he applied for it. ( Have applied for roughly 70 jobs. ) On XX/XX/XXXX, XXXX received an email stating that his application for a XXXX XXXX position had been received. 
On XX/XX/2018, received a cashiers check in the mail. The check was from a XXXX XXXXXXXX XXXX. Didnt recognize the address ; didnt recognize the person ; didnt remember what it was from. 
On XX/XX/XXXX, Went to the Santander Bank on XXXX XXXX XXXX XXXX XXXX to ask if the check was good. Went to a teller a female and asked, Is there any way you can check if this is any good? I received this check today in the mail and I dont even know who its from. The teller took out a magic marker ; and wrote on the check ( later I was to learn from XXXX XXXX that she wrote her initials on the check XXXX }. Teller said yes the check is good with a smile, indicating to me that the cashiers check was legitimate. 
On XX/XX/XXXX, received email instructions, you were emailed by an XXXX XXXX. His email address was XXXX. asking if XXXX had received the payment. 
On XX/XX/XXXX, received an email from XXXX saying keep me posted. 
On XX/XX/XXXX, received an email from XXXX saying go to XXXX, purchase an item of clothing under {$30.00}, and XXXX, 5 gift cards each for {$500.00}. 
On XX/XX/XXXX, received email from XXXX saying Please send back pictures of the cards. 
On XX/XX/XXXX, XXXX sends email asking to fill out feedback report. 
On XX/XX/XXXX, email from XXXX says youre doing good work. 
On XX/XX/XXXX, XXXX via email asks XXXX to purchase a cashiers check for {$10.00} from bank. 
On XX/XX/2018, at XXXXXXXX XXXX, Santander Bank contacted XXXX with Service Alert through email to tell him the check was no good. 
On XX/XX/XXXX, went in to the Santander branch and Spoke with XXXX XXXX. XXXX said cashiers check was no good. This was in contradiction to the teller who had earlier indicated it was good and has her initials on the check. XXXX then made a phone call and spoke with someone and said okay, theres nothing we can do about this. 
On XX/XX/XXXX, XXXX contacted XXXX XXXX emails off the XXXX XXXX website and heard back from XXXX XXXX with a phone number, XXXX. 
XXXX has called that number since then many times and there is never an answer On XX/XX/XXXX, we contacted the Massachusetts Attorney Generals asking to call me back. They indicated I should file a police report and contact federal authorities ( FTC and FBI ) .fraudulent checks

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 2023-06-21
Company: EQUIFAX, INC.
State: FL
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or repair the following items : 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 XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was falsely mislead by CAPITAL ONE BANK d/b/a CAPITAL ONE. On XX/XX/2021, I filled out an application for a Platinum Secured Card from CAPITAL ONE. Once I filled out this application, it was approved and the application then became an instrument of value and was sold. Due to this fact, I should be able to have a zeroed out balance at the end of every billing cycle and should have an open-end credit plan pursuant to 15 USC 1602 . I was informed by CAPITAL ONE that I would need to make a security deposit in order to receive the card ( as advertised on their website ), so I made a deposit in the amount of {$200.00} on XX/XX/2021. I apologize about being ignorant of the law, but that is no longer the case. It is unlawful for CAPITAL ONE to have taken the {$200.00} in order to give me a credit card ; taking cash within a consumer credit transaction is illegal ( 15 USC 1605 ). Once I put in my application and it was approved, I extended my credit to CAPITAL ONE and should have received an open-end credit plan without having to make a security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
There were XXXX large deposits made to my online Chime Bank account in XXXX. These deposits were winnings from a online casino that I play. I have had this account for several years and have had my income tax refunds, paychecks and other winnings from the casino deposited to this account with no issues. On XX/XX/ my account was locked and I received a email asking for proof of deposits along with my ID. I submitted requested documentation on XXXX XXXX Since then I have resubmitted documents about 5 times. Each time I receive a email response asking me to submit submit documents. I have made anywhere between 10 to 15 phone calls only to be told that I can not speak to anyone on the review team but they will " expedited " my concern to them. I have submitted over 15 emails to customer support, outreach and review only to be asked to submit documents that I have already submitted numerous times. I have been off of work over a year because of a work related injury so this money was a blessing to me and my family but because my account is locked I have depleted my savings account and have been late paying my bills. I was out of town on the XXXX XXXX XXXX when my account was locked. Had to borrow money from family to get home and pay for the remainder of my trip. I need access to this account because this is all the money that I have and I have been told that I need to move out of my place by XXXX XXXX because I have been late paying rent for the past XXXX months because of Chime Bank holding my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-03
Company: U.S. BANCORP
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
On XXXX XXXX I opened a XXXX  account which I used for my business and savings. 
And it was closed on XX/XX/2023. 
And then XXXX sent a check over on XX/XX/2023 and usbank cashed out the check on XXXX XXXX. 
I then opened an account with usbank after receiving the check on XX/XX/2023 I had to wait till XX/XX/2023 before the money was available and then when I tried to do a wire from my money usbank closed the account and promised to send me a cashier check after 15 days and then its been 35days and usbank have refused to give me my money or send me a check and they keep saying the check from XXXX was fake. 
I had to contact XXXX and they sent me an official letter and instructed me to ask usbank to contact them for confirmation which I told usbank but they refuse to contact XXXX and kept saying my check is fake and they have seized my {$58000.00} They sent XXXX XXXX  statement and it clearly showed that my money is in the account but they refuse me access to it so please help me I want my money or a cashier check Down there is the check slip from usbank

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 2018-10-17
Company: Lloyd & McDaniel, PLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have been summoned to court by this law firm. I have requested debt validation and when I called to speak with the lawyer about a settlement on XX/XX/2018 at XXXX Central I was speaking with someone who could not help me. She explained that my file was locked and she could do nothing about it. I explained that I understand the policy but can I then speak to the attorney handling the case. She said that she could transfer me to a manager. I explained that I wanted to speak to an attorney, I asked if she worked for the law firm and could she just transfer me to an attorney. She then transferred me to a " manager '' that is just a voice mail. So far I have had no chance to communicate with the actual attorney handling my case and have been passed around call centers acting as the attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I send my payments twice a month through my bank. The mortgage company, Mr. Cooper, does not apply the money sent to he payments correctly which results in my payment looking late or not at all. I have to call every other month to have funds moved and applied to the correct places. They were supposed to fix the way my funds were applied but it has not been corrected. I then asked to remove my escrow account to eliminate this issue and they said due to my payments being late they can't remove the escrow account. I explained if you look at my payment history you have the payments on time that your company does not apply the funds correctly. I asked to speak to management who is never available and I'm told they will call back and no one ever does. This has been on ongoing issue for over a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am sending a complaint in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. The 3 credit bureaus are required to authenticate this account XXXX  XXXX XXXX Balance : {$0.00} Date Opened XX/XX/2019 under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
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: Old information reappears or never goes away

Complaint:
I did a complaint with the CFPB on XX/XX/XXXX regarding XXXX XXXX the dispute in progress was completed on XX/XX/XXXX, I got a alert message from XXXX XXXX that the account was removed I also have attach pictures of that, I go back on Equifax website showing that they updated the information on XXXX XXXX and the account stating it still belongs to me which is incorrect fraudulent information. I dispute again on CFPB website because they are still reporting this information on my credit report and it is fraudulent activity I submit a complaint on XX/XX/XXXX it was compleated on XX/XX/XXXX and it also dropped my credit score XXXX points I would like to dispute this information they reported XXXX XXXX two times on my credit report and the inquiries dropped my score. I need to dispute the score decrease on my credit report and multiple times of Equifax reporting XXXX XXXX twice on my credit report and decrease of my credit score. When XXXX Was delete it once before and it appear back on my credit report then after the dispute they completed the same day within a XXXXXXXX XXXX period and it also reporting again on my credit report and dropped my credit score tremendously by XXXX points this is fraudulent activity that is going on with my credit report. Im one of the victims of the Equifax data breach settlement lawsuit I also have attachments of that I am trying to resolve this matter regarding XXXX XXXX on my credit report and now that my credit report has decreased in the score tremendously XXXX points is in accurate It dropped my credit score tremendously when it should not have dropped my score when fraudulent activity reporting on my credit report Equifax report the same inquiry again on my credit report and my credit score dropped XXXX points when it shouldve never been reported the same inaccurate fraudulent Account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
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: Account information incorrect

Complaint:
I contacted the debtor on XX/XX/2019 requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit report agencies are reporting the inaccurate information to future creditors. This is causing injury to my personal as I am not able to acquire new credit base on these false invalidated claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
on XX/XX/ the XXXX XXXX that holds my loan called me and told me they are offering a lower interest rate right now. I asked about it. He said we will get you a XXXX rate from your XXXX rate. It will lower it 200-300 per month. He said he will not charge me closing costs or anything but the XXXX for appraisal fees. I said I can get it lower if I had someone do it. He then came back and said I can get it for no money down today. At closing I will only need my this month mortgage and XXXX for the appraisal fee they will now charge me at closing. When I got the documents it had built in a closing fee that equaled XXXX month of my mortgage payment that I would supposedly not have to pay if they close. The paperwork also told me I cant consult anyone on this. I told the loan guy no I wont do this. I told him he is charging me closing cost and the reason I am not paying a mortgage payment is cause my closing fee is the same amount. I told him to not call me nor text me again. I called my loan officer that I worked with when getting this loan. he told me to XXXX way all the guy and let him know that again. I called the guy back and let him know I do not want to hear from him in any way. Dont offer me any so called deal. I will pay my mortgage each month until I can do enough to refinance it with someone else. He then hung up on me. He then text me and told me my life was complicated and I was stupid for not doing this. I again asked him not to call or text. He text me again and called me a fool. I am now concerned of what else will he do over the next year until I can refinance with another company. I have attached just some of the conversation that this guy said to me. I dont want to ever do business with a company that has no ethics, morals or is so sneaky to XXXX over their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Address : XXXX XXXX XXXX XXXX, TX 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 2023-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Kohls department store credit card has been calling me by phone several times a day about an account that has been closed and past due for the last 6 months. They call, text and send emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: LEXISNEXIS
State: MD
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:
Dear Sir/Madam, I hope this letter finds you in good health. I am writing to bring an urgent matter to your attention regarding my consumer report. LEXIS-NEXIS and XXXXXXXX XXXX XXXX XXXX both third-party vendors, have reported a bankruptcy on my consumer report without providing any validation of the bankruptcy in question. 

Having noticed this bankruptcy claim on my report, I took immediate action and contacted the bankruptcy court for confirmation. The court clarified that they do not provide any bankruptcy information to third-party vendors. Therefore, it appears that LEXIS-NEXIS and XXXX XXXX XXXX have not only inaccurately reported a bankruptcy on my consumer report but have also failed to verify this information from a reliable source prior to reporting. 

Furthermore, it is my understanding that the Fair Credit Reporting Act ( FCRA ) requires that all information reported about a consumer must be accurate, and I have the right to dispute any inaccurate information. Therefore, I formally request that the CFPB investigate this matter and ensure the removal of this inaccurate bankruptcy claim from my consumer report. 

Moreover, I have not granted permission to LEXIS-NEXIS or XXXX XXXX XXXX  to share or release my personal information. Their actions are a clear violation of my rights under the FCRA, which guarantees my right to privacy and control over my personal and financial data. 

I kindly request your immediate attention to this matter. I believe that the CFPB, with its mandate to protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law, is best positioned to help me resolve this issue. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief