BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX capitalone sold my private information such as name dob, ssn, and banking info. Because of this hackers got into my account and made many fraudulent charges. Capital one advised me to close the account and open a new one so I did. My irs refund was programmed to direct deposit into the closed account. The stimulus money given out at the end of XXXX was set to deposit to the closed account. Capitalone informed me that the money would be rejected and returned to irs. Upon communicating with irs their records show capitalone accepted payment for stimulus funds and did not reject the payment. I have yet to receive my $ XXXX. 

In XXXX capitalone was brought to litigation and were suppose to inform their clients of such litigation they failed to notify me and payouts have already gone out. Ive attempted to resolve the issue with capitalone one but they said that I have missed the deadline and there is nothing that can be done other than offer me 3 years of credit repair services for free. 

Currently the state of Az is sending out a rebate to qualified applicants for XXXX in the amount of {$750.00}. The payments will be deposited into the account listed as payment for XXXX tax refund and as I stated before capitalone was suppose to have closed that account years ago. I still have not received my stimulus money or current Az rebate. 

Today I called capitalone to close my account and let them know my issues the representative stated she was going to help me but instead left me on hold then hung up on me. They are refusing to close my account or return my money to me. Or rectify the situation in regards to not notifying me about litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act capital one Account # XXXX, has violated my rights.illegally selling all of my information 15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under dn open end consumer credit plan as late for purpose.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: BARCLAYS BANK DELAWARE
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
There were several refunds on my account so I had a negative balance due. Without my permission or noticing me, the credit card company refunded the balance of {$1000.00} to me on XXXX XXXX 2021, but I never received the refund check. I called them many times to resolve the issue, but each time they said it is under investigation. The case number they gave me is 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 2022-12-20
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:
Equifax, XXXX and XXXX are still violating my rights and hurting my ability to obtain credit by reporting inaccurate information on my credit report. They have failed to provide any proof I owe this company. Once again please provide the original purchase agreement with my signature that shows XXXX XXXX XXXX XXXXXXXX are the legal owner of this alleged debt including all the terms and conditions that are included in the purchase agreement, original application and all statements from open to close and the original agreement between me and XXXX XXXX with my signature, the names, addresses and telephone numbers of the individuals that the credit bureaus contacted during their investigation for XXXX XXXX According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the reinvestigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. If XXXX XXXX can not provide requested information the credit bureaus must delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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 belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA 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 2023-11-09
Company: Peer Advisors, LLC
State: NE
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process
Sub-issue: Lien release

Complaint:
My grandma had a reversed mortgage she passed away back and 2020 OK I had a filed complaint on my violation of rights and because XXXX XXXX and I didnt say any were treating me well that was novad but now the people servicing my grandmas mortgage OK is comp link and I just filed the complaints but I forgot that I put it against XXXX and I Compulink Inc now services my grandmas reverse mortgage. They are refusing to do an appraisal for me and I had a house and my grandmas house is worth {$86000.00}. The money that Im using are the money that theyre trying to get from me is the money going to fix my house so Im not going to be homeless and its not right but they trying to make me pay XXXX and Im on fixed income and its just not right

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Paypal Holdings, Inc
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
2019 XXXX i lost access to an account with more then XXXX dollars this account went missing the money as well. 

the company create a new account months after creating a debt. through their partners. 

while homeless i have been robbed and lost access to my accounts. 

company seems to block all assets in retaliation to a XXXX $ charge. i requested to charge to be dropped. 

most charges a inflated by companies to create debts. 
the policy that seems to target consumers that are familiar with policy. in the nature of having supporting accounts with currency. 

with holding money or accounts effects how and if i am able to make money. 

the policy violates my rights to be able to function in the new infrastructures. 

technology devices have allow account to be compromised by consumers or foreigners. 

being under a certain amount of income i feel that its harm to my life if i am not able to access or be return my funds from my accounts. though i feel my information informs support of how to violate those policy and how much control consumers have over our money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-11
Company: Bridgecrest Acceptance Corporation
State: IL
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:
I've told this company multiple times to remove the late payments from my consumer report and they REFUSE.

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 2018-02-25
Company: CCB Credit Serivces, Inc
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX unauthorized credit inquires XXXX refuses to remove them I contacted the banks and nothing was done. 
I did not authorize any credit card I demand them to be removed. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was approved for 18months forward Mortgage Payments from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. I had to file a complaint against my XXXX XXXX XXXX XXXX back in XX/XX/2022 because they were being delinquent in applying payments to my Mortgage per the XXXX award. Within in 24 hours of me filing the complaint payments began posting to my account. On XX/XX/2022 my Loan had been purchased by Newrez LLC. ACCT # XXXX. As of XX/XX/2022 Newrez has no information on the HAF award even though i have sent them the award letter. No XXXX payment has been made. Newrez advised me i have 60 days before i become delinquent. I do not understand why i should have to wait to be delinquent when they must have the Funds. Where would the funds be?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX I applied for mortgage financing to Purchase a home. I was notified by the mortgage broker that one of 3 credit agencies : Equifax returned a fraud alert. Equifax attached my social security number to someone else 's name. I called Equifax and was told to mail copies of my license and SS card. This was mailed and received by Equifax ( see attached tracking info ) on  XX/XX/20. I have been calling frequently, sometimes daily to try and rectify the issue but Equifax can not /will not confirm they have received my information. On one occasion i was given a fax # to send the same information. I asked to speak to a supervisor or someone who could acknowledge their reciept. I was transferred to the mixed file unit. They told me my only recourse was to mail my information in and " once received '' they would review it. When questioned, they stated they had no ability to receive faxed information. After hanging I called back and asked for the fax #. I was promptly given the fax #. My information and explanation letter ( attached ) was faxed to Equifax on XX/XX/20. As of today XX/XX/20 they still claim they have no information on me. I also received a letter from Equifax dated XX/XX/20 ( attached ) that states they have no credit information on me. This contradicts the information from the mortgage company and earlier conversations with Equifax. I am nervous because i have mailed and faxed my Social Security Card, Driver 's license and Passport to this agency and they have no record of it. I have no idea who may have my information now. As of today the focus of the call was my lack of identity ( i.e. no credit history ) rather than my SS # being associated with another person. When I asked how long it will take to update my record once they receive my information went quiet and did not respond to the question. They constantly run me in circles telling me they can't do anything without documents, yet can offer no help to facilitate the acknowledgment of receipt. 

In the meantime, I have called XXXX XXXX to see if i can get them to push my credit card history to Equifax to see if that will have some effect. That will be another XXXX business days. It appears my chance to purchase my first home will not be possible. 

Please note : The last XXXX digits of my SS # changes every time I enter in your system so it is likely not correct in the box you asked me to enter it in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi CFPB Team, I got a letter today from Chase closing both my personal and business checking account along with the credit cards under it with no reason given. The note under my account simply pointed out it is their right to close my account just like I as a consumer can open/close an account at any given time. 

After escalating the issue within the Chase corporate team and staying on the phone for more than 1hr, I was told the decision is final and no appeal can be submitted. 

Personally, it baffles me to understand the reason behind this closure and every person I talked with Chase on the phone feels the same. But they can not help me further without any information and options given to them. Not even their supervisors can priovide any guidance. 

The accounts I have combined with over 500K in cash/brokerage and only {$7000.00} in credit card debt. On the business side, the account was opened back in 2017 with annual revenue of around 2 million. 

I can't help but feel like a certain discrimination is going on given the opacity and irreversibility of the decision without any chance of proving myself. 

As a Chase Private Client, I certainly expect more clarity especially when I am blacklisted to have any future relationship with Chase. 

Could anybody from the CFPB help me get to the bottom of this? 

Appreciate your help and have a great weekend.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please have the following items removed from my Credit File as soon as possible : 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  XXXXXXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to my identity being stolen. I request of you to have the disputed items removed from my Credit File 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 non-monetary relief
Consumer complaint received 2022-07-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
A recent inquiry for XXXX is on my report. I have no knowledge of ever applying for a line a credit from said creditor.

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 2018-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2018, I submitted a fraud claim to Bank of America because my lost debit card had been used for fraud. The claim was for {$510.00}. The bank credited me the money back immediately. Three months later, on XX/XX/XXXX, the company abruptly withdrew the funds from my account, the day before rent was due. Not a single person reached out to me in regards to my claim and I assumed that it was finished when all of a sudden my money disappeared. I looked into my account and saw they had denied it, but did not say why. When I called, they claimed that " one of the fraudulent transactions was a PIN transaction '' which is impossible. The charge in question was done in a city two hours away from where I live, and I provided documents to them proving my whereabouts for the entire day that day. No one on earth knows my PIN.

I have been a customer of Bank of America for 8 years. When I try and speak with someone on the phone regarding my claim the wait time is over 90 minutes every time, and the person never has any answers. According to them I am not allowed to speak with the investigator regarding my claim. I went into a branch for help and they told me they are not able to help me either. I went to my local police department to file a police report and they told me that since the crime occurred in another city I can not file a police report. When I opened a Bank of America account I was told fraudulent charges were protected, now I feel victimized. Bank of America clearly did not do a thorough investigation because their findings were false. It is now my job to prove my innocence.

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 2023-08-18
Company: CREDIT ACCEPTANCE CORPORATION
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 status incorrect

Complaint:
XXXX companies for the past 4 years have been inaccurately reporting late payments on my accounts and refuse to investigate and correct or update accounts to paid as agreed. Companies have listed accounts as " was a collection, but paid '', " sold '' or " transferred ''. Creditors refuse to correct these inaccuracies and have left me paying higher interest, being denied for credit, and left me no other choice but to report their illegal activities.

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 2020-06-16
Company: Freedom Mortgage Company
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
recently filed Chapter XXXX as I had got behind with my bills and my hours were cut back at work due to the Covid 19 Pandemic. I did not file on my mortgage company for obvious reasons. When I went on line to make a payment I found I was locked out of my account because of the bankruptcy. I called them and explained that i had not filed on them and was told I would need to mail in a payment and that they could not even talk to me without permission from my lawyer. I had my lawyer send them a form giving said permission on XX/XX/XXXX He received an email from them requesting the account number associated with my mortgage and he sent them the needed information the same day. In the mean time I sent a check for my XXXX payment in the form of a metered mail envelope that my secretary hand delivered to the post office. That was on XX/XX/XXXX, on XX/XX/XXXX I had still not seen the funds removed from my checking account. I called them on XX/XX/XXXX and talked to a customer ambassador and was told to set up bill pay through my bank and had no idea where my check was. I asked to talk to a supervisor and was told that they needed permission from my lawyer, and was told they had never got anything from him even though he has the email they sent him requesting the account number and the email he sent them with it. Not making a lot of sense to me at this time. 

Now it is XX/XX/XXXX They claim they have still not received anything from my lawyer which can easily be proven untrue when I try to call from my cell phone the call will not go through but I get through immediately from my work phone and there 2 separate charges of XXXX one on XX/XX/20 and one on XX/XX/20 labeled bankruptcy expenses that I can not get an explanation for. ( I did not file bankruptcy on these people ) Please help Also I can not send extra money with my payment and I could with the mortgage company that sold them my account I do not think that is right I made sure when I refinanced that I would be able to I thought they had to honor existing agreement when buying out mortgages?

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