BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
To whom it my concern : I extended my credit to CAPITAL ONE for a consumer credit transaction on XX/XX/2022. I the consumer and natural person, was denied credit by CAPITAL ONE. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. I as the consumer feel as if I'm being violated under the law of 15 USC 1691 ( d ) ( 6 ) For purposes of this subsection, the term " adverse action '' means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. 
As I have proof that i was discriminated against by CAPITAL ONE due to the response I received. ( see attachments ) I also reached out to CAPITAL ONE talked to auto finance supervisor ( can provide recording upon request ) stated that only if they was able to extend credit to me then it would be considered as a consumer transactions I stated that is a violation under U.S.C 1611 because he is giving out false information willing and knowingly. He stated they only do Consumer Transactions and their decision was accurate on Capital One behalf. From my understanding the transaction that was applied was for a consumer transaction and by me using my social security number I extended my credit to myself. I feel like they also violated me of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I the consumer made an application in good faith but credit was not issued Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of CAPITAL ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: First Advantage LNS Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ive sent out dispute letters, and debt validation letters, The debt holder is not able validate the correct debt amount and neither can the original debt holders, please remove this item from credit, also this debt is past the statue of limitations and should no longer be in collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX Account 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

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 2023-02-13
Company: STATE EMPLOYEES CREDIT UNION
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: Information belongs to someone else

Complaint:
pulled credit file and was numerous accounts that did not belong to me. Accounts that never should open under my identity. contacted each company, credit bureaus, and wrote 609 letters and no prevail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Gatestone & Co. International Inc.
State: MS
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:
XXXX XXXX has been reporting a debt to credit report for a credit card that was opened in XXXX of 2018. Said account was not opened by me, authorized to be open by me, nor does this account belong to me. Ive been in contact with XXXX XXXX since learning of this account. Ive signed identity theft at XXXX XXXX request however this negative account continues to appear on my credit report. At one point, XXXX XXXX advised me that the account has been turned over to a debt collecting company, Gatestone. Ive spoken with Gatestone as well and told the account manager that this XXXX XXXX account does not belong to me, the account was not authorized to be opened by me, and I didn't have any knowledge of this account until reviewing my credit report. I was actually on XXXX XXXX and XXXX to XXXX when this account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
On XX/XX/XXXX, I ordered XXXXXXXX XXXX without realizing that my Debt card account associated with the XXXXXXXX XXXX had only {$2.00} in available balance. Food bill was {$4.00}. Despite my previous requests that I wanted to opt out of the over draft protection, Bank of AMerica Continued to kept me enrolled. I was charged {$35.00} fee. Then on the same moment, when I paid the delivery driver {$3.00} tip, Bank of America charged me another {$35.00} in fees resulting in a total of {$70.00} charge on a purchase of {$7.00}. 

I called the bank today on XX/XX/XXXX and was told by the representative that she could not waive the charge. 

This amount is excessive, predatory and against my previous wish of opting out of the bank overdraft protection. It is reckless to keep me enrolled and then charge me. I fully understand that overdraft fees make up to 40 % of BOA profits These predatory lending practices need to stop. 

According to XXXX report published on XX/XX/XXXX, Bank of America reached a {$75.00} mln settlement over excessive fees however bank has not changed its practices. Banks have faced many lawsuits over the years claiming they sought to illegally maximize overdraft fees. It seems that CFPB enforcement was seen as a punishment without any impact. It is always the consumers who suffers when these big banks too big to fail go after the same consumers who saved them in financial crisis in the first place.

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 2021-05-07
Company: Experian Information Solutions Inc.
State: NJ
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:
Entry on report for " XXXX '' with a balance over {$2000.00}. This account was discharged through a chapter XXXX bankruptcy in 2019. I have provided all three bureaus the discharge paperwork and am also attaching it to this complaint with XXXX highlighted three times. There is a XXXX  balance on this account yet it has been reporting as balance due for years. I have submitted disputes to the bureaus but because they don't read my correspondence and instead use computers, they aren't seeing what I'm saying and are auto-verifying. I can not get a mortgage while this erroneous balance exists on my 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 non-monetary relief
Consumer complaint received 2022-01-31
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: Account information incorrect

Complaint:
In the midst of the pandemic in XXXX, we returned our XXXX lease vehicle exactly as agreed in early XX/XX/XXXX, one day before we temporarily moved overseas. We advised XXXX XXXX by phone that we wished to receive the final bill by email which we understood contained an administrative vehicle return fee over and above all lease payments which we had fully paid on time with no delinquency. We explained that we would be overseas and there would be delays in receiving any paper mail while we were overseas. 

We did not receive the requested email with the final bill. Shortly after we returned to the USA in late XXXX, we found in mail delivered by a neighbor a final bill and a debt collection notice with the unpaid amount. We paid the bill by check in early XXXX ( documents attached - imaged check, bank statement, mailed envelope ). The check was cashed as noted in our bank statement but we did not receive a notice from XXXX XXXX. We subsequently received our backlog mail at our local post office ( collection was delayed because of pandemic-related safety issues ) and also received a home delivery of previous mail many weeks after it was sent ( which many other folks we know also experienced with USPS in XXXX  XXXX XXXX for reasons unclear to us ). We found in our accumulated and delayed mail backlog a debt collection notice with additional late fees claimed beyond the final amount due which we had paid by check as mentioned previously. To our shock, what was being billed was about twice the original amount we had already paid. In any case, we assumed this letter would be superseded by a payment acknowledgment of the original amount due after the check for the same was sent and cashed by XXXX XXXX in XX/XX/XXXX per attached documents. 

We have also just this weekend end XX/XX/XXXX discovered an adverse reference to this matter in our credit report. 

We believe that our good faith in seeking to fully pay our debt is not properly reflected as our credit report currently stands. We have asked XXXX XXXX XXXX XXXX to urgently resolve this matter by acknowledging our final payment and also removing the adverse credit report entry. 

We add that we have not any non-payment of any of our debts in the past except for very few minor delays in very few payments and which were due to overseas travel. All payments on all our accounts are up to date. The above was a truly exceptional situation which occurred under pandemic circumstances.

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 2018-04-30
Company: Westlake Services, LLC
State: AZ
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:
Im filing a complaint against Westlake Financials I own a small auto dealership in XXXX Arizona called XXXX, XXXX. 
When I opened my dealership in XX/XX/XXXX I was excited to add Westlake financial services to my list of lenders. Westlake informed me that they need a {$500.00} deposit until I submit 10 deals or have one contract funded through them. Little did I know about their high unrealistic interest rates for top tier clients with excellent credits and the absurd fees they charge the dealers to approve the auto loans. For example if Im selling a vehicle for {$18000.00} to a client with a XXXX credit score Westlake charges the dealer a buy fee close to {$900.00} with an interest rate of % 13 which is totally absurd, attached is a copy of their contract and lender fees. So after submitting 3 deals, I decided to stop sending them credit applications and contacted my Westlake representative XXXX XXXX on XX/XX/XXXX to close my account and refund my {$500.00} deposit. Atfer I spoke Today with XXXX XXXX XX/XX/XXXX he informed me that Westlake did close my account but they wont refund my deposit. Their excuse is I failed to submit a minimum of 10 deals or I didn't successfully sign 1 contract. Is it legal for Westlake to refuse to refund my deposit?

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: U.S. BANCORP
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a US Bank Silver Business Checking Account in XX/XX/2023 with an advertised {$500.00} Bonus for funding the account and maintaining a {$3000.00} Balance of " New Money '' ( AKA new money, new to this bank account ). I also qualified with the same code for a {$600.00} bonus for opening a payment processing account and making a sale of at least {$50.00} to be direct deposited into the same Business Checking Account. I worked hand in hand with an Agent and clarified all details to make sure all requirements were met and I was assured by my agent XXXX that all requirements were met. I was supposed to receive both of these bonuses within 45-60 days of the account being funded and the payment being processed. It is now beyond that time. I made business decisions factoring in these bonuses and I have left more funds in this account than I wanted to just to let this settle so I could get the bonuses. I would like this {$1100.00} credited to my account immediately. US Bank has not shown themselves as reliable so far because of this situation. 

I've called a few different occasions and it seems every department redirects me to another department supposedly responsible and nobody can give me a definitive answer what is going on and when this is hitting. I have saved receipts and saved correspondence of the entire process and would like this resolved as soon as possible.

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: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I attempted to work with Synchrony Bank in the beginning of the pandemic XXXX for the lack of income during the Michigan shut down for XXXX months. The shutdown affected my small business, and asked for assistance during that time which was denied. The Cares Act was put in place for consumers not to be alienated by creditors during this unprecedented time in American history. In the end of XXXX they finally put me on a payment plan that I could sustain, due to loss revenue on my small business. They reported me to the credit bureau on this matter, and I am so upset with this, I should look into XXXX them over their lack of Cares Act response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit 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:
I got scammed on XX/XX/, the charged appeared on my card on XX/XX/2023. The scammers used XXXX website to book fake reservations and asked for credit card to be paid directly. The reservation request is done directly through booking.com but they give instructions to contact them directly, you even receive a confirmation number from an email from booking, I learned later that booking.com provides a reservation number and a pin number, the email you get does not have a pin number. 
I called the credit card company immediately to dispute the charge and change the card number, rendering the previous number obsolete. The credit card company eventually took the charge off, however later put the charge back on claiming they didn't have enough proof and that the merchant didn't violate the terms. I faxed the screenshots and email indicating the merchant had written they would refund, but they say there is nothing else they can do and they have re-charged me the amount.

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 2023-11-16
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
To whom it may concern, My XXXX and I purchased our new home in XXXX and Freedom Mortgage took over the mortgage shortly after from the builder XXXX. Our taxes were due XX/XX/XXXX that should have been paid by Freedom Mortgage from our escrow account. Unfortunately Freedom Mortgage did not. I called them XX/XX/XXXX which they mentioned they did not have the appropriate information which I immediately provided them. 

Subsequently, I have called numerous times since and even XXXX XXXX XXXX department has as well. Freedom Mortgage continues to come up with a different story. There is now interest acquiring and they don't seem to care. Any help is greatly appreciated.

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: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XX/XX/2022 Capital One Bank Capital One Bank sent an email stating the following : " Congratulations! Youve earned your security deposit back ''. 

Re : Your account ending in XXXX XXXX XXXX XXXX, As a partner in your credit journey, weve refunded your security deposit via statement credit. Your Capital One Secured Mastercard has been upgraded to a Platinum Mastercard. Youve been selected for this upgrade because youve used your Secured Mastercard responsibly.

The {$1000.00} dollars does not belong to Capital One Bank.

Youve earned your security deposit back and issuing a credit statement of my {$1000.00} dollars is NOT EVEN on the same footing.

I do not need a credit statement of my {$1000.00} dollars from Capital One Bank.

If needed I will seek a Lawsuit against Capital One Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: CITIBANK, N.A.
State: WA
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:
I opened up a credit card and put down an {$800.00} deposit over a year ago. Citibank closed my account on XX/XX/XXXX and did not notify me and then accepted a payment on the account of {$550.00} on XX/XX/XXXX even thought they had a deposit on hand to clear the account balance. Ive received multiple responses from their customer service department In the last 4 weeks about getting the remaining deposit back. The representative have stated it would be returned anywhere from two weeks to 60 days and it changes with each call. Citibank reps state they wont credit the remaining balance on the account now until the cycle closes which is XX/XX/XXXX using the deposit so Im being charged interest on money Ive already paid. The representative today would not give me final refund total although I expect its around {$390.00}. They now are saying they need to issue a check and wont do an electronic deposit. The customer service person I spoke to today said she requested an expedited request but cant guarantee the check will go out. Told it could take 30 more days. I need the funds and Ive waited 30 days. Im not sure why I cant just walk into a branch and get a refund or why they cant refund electronically. Thats how they received the deposit in the first place.

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 2023-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a notification from my credit alert system that my BOFA card was closed " at my request '' this is a fraudulent statement made by BOFA. 

I reached out to BOFA and requested more info and they said the card was closed due to inactivity and that they had notified me prior. Upon pressing it was discovered that they had an old physical address and old email address on file. 

I would like for them to reinstate my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$1000.00}

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 2023-11-13
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to this debt collector named Transworld System Inc on XXXX once I discovered the item on my credit report. I searched for the company online and there are conflicting phone numbers. I XXXX  their address which is a XXXX XXXX XXXX XXXX, DE to see if I could find a phone number for them.which appears to be XXXX. I called the number and I spoke to a representative whom asked for my date of birth and the last four of my social and could not find any debt on file. He said Transworld has different divisions but could not instruct me on how to get in contact with any of the other divisions of Transworld. The debt showing on my credit report is {$500.00} and it has been reporting since XX/XX/2022. I have never entered into an agreement from this company. It also states that the original creditor is XXXX XXXX which is an utility company. I live in XXXX and XXXX XXXX doesn't service this city or the State of Texas and I have never entered into an agreement with this company.f

Company response to consumer: Closed with explanation