BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 : # XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-03
Company: NATIONSTAR MORTGAGE LLC
State: KY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
During the course of my mortgage, there have been several occasions where I have fallen behind on my payments. Each of these times, the mortgage company offers to assist with the problem BUT they have repeatedly tacked on charges in the amount of {$5000.00} or more saying it is legal fees incurred by them for starting the foreclosure process? My mortgage has gone from the original {$90000.00} up to around {$150000.00}. How can they do this? I have been amiss in doing anything about this because I have felt like I was at their mercy and because I HAD TO HAVE a home to live in. Can you help in any way?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Wells Fargo participated in age discrimination as well as financial discrimination against my family due to it originating from unemployment-and attempted to abuse our personal reports

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 2016-05-02
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Loan modification documents were signed & XXXX on XXXX/XXXX/XXXX and Nationstar has failed to report the HAMP Tier 2 loan modification to the Treasury as of XXXX/XXXX/XXXX. MHA ( Making Homes Affordable ) Escalation Team has been contacted. Nationstar continues to request extensions. As of today, it has been 7-months since signiture. They state they are unable to upload documents. I feel this could be in retaliation for reporting them to HUD for failure to accommodate a person with a XXXX. Nationstar is aware this is delaying the finalization of 2MP ( XXXX Lien Modification ) paperwork with another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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: Information belongs to someone else

Complaint:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am writing to file a formal complaint against Capital One concerning the handling of my Capital One Quicksilver Credit Card application and subsequent account closure. 

On XX/XX/2023, I successfully applied for and was approved for the Capital One Quicksilver Credit Card with a {$200.00} sign-up bonus. However, on XX/XX/2023, my account was temporarily restricted, and I was instructed to provide supporting documents, including a State Government-Issued ID, Social Security Card , Proof of Residence, and Bank Statements XXXX 

Promptly, on or around XX/XX/2023, I submitted all the required information as requested by Capital One. On XX/XX/2023, I received a call from a Capital One representative stating that the supporting bank statement from XXXXXXXX XXXX that I initially provided did not include an account number which they required. In response, I immediately sent an alternative bank statement from XXXX XXXX on the same day to fulfill this requirement. 

Subsequently, on XX/XX/2023, having received no response from Capital One, I proactively contacted them for an update. During this call, I was informed that my documents were received, and they needed additional time for processing. Following their advice to be patient, I waited several weeks for a response. However, not receiving any communication, I decided to follow up on XX/XX/2023. 

During this call, I was informed that Capital One had received and processed the supporting bank statement from XXXX XXXX but required further verification of the ownership of the account. The Capital One representative initiated a conference call with XXXX XXXX, during which the ownership of the account was verified. Subsequently, the representative requested a final piece of information : three months of bank statements from the verified XXXX XXXX account. I promptly submitted these supporting statements minutes after the call. 

To my astonishment, on XX/XX/2023, I called Capital One once again to inquire about the status of the verification process, only to discover that my Credit Card account had been closed on the same day as my previous call on XX/XX/2023. The reason provided for the account closure was inaccurately stated as my failure to supply the requested supporting documentsan assertion clearly contradicted by the fact that I had diligently provided all requested information at each stage of the process. 

This unfortunate situation has led to considerable inconvenience, and it appears that Capital One, through false statements and expressions of hope for the verification of my supporting documents, has misled and deceived me during the intervening period. I request a thorough investigation into this matter and a prompt resolution to rectify the unjust closure of my Capital One Quicksilver Credit Card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my XXXX, XXXX, and TransUnion credit reports reported by XXXX XXXX XXXX XXXX for account number XXXX, and XXXX XXXX XXXX for account number XXXX by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and TransUnion. To date, I have not received anycompliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. These accounts do not belong to me. I have no knowledge of these accounts. Unauthorized opened accounts. To date, XXXX, XXXX, and TransUnion are reporting false information to my credit reports. Therefore, I expect these accounts will be removed from my credit files 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 non-monetary relief
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
XXXX XXXX XXXX {$500.00} closed XXXX XXXX XXXX XXXX XXXX Paid in full XXXX XXXX XXXX XXXX  account closed XXXX XXXX XXXX XXXX {$1000.00} account closed XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$650.00} XXXX XXXX XXXX XXXX closed and its been 7 years XXXX XXXX XXXX XXXX XXXX XXXX Account closed and its been 7 years XXXX XXXX XXXX XXXX XXXX XXXX this is not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11
Company: DISCOVER BANK
State: NY
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:
I called Discover to report my card lost. I told a representative from Discover to review a summary of charges before they send me new one. After reviewing an unauthorized charge for {$4200.00} was made to my account on XX/XX/XXXX. Days after it was lost which was XX/XX/XXXX. Discover initially removed the fraud charge of {$4200.00} from my account and sent me a new card. Over 2 months later I received a letter from discover with a request to called them. I immediately called in on XX/XX/XXXX to speak with a representative from Discover to answer questions about the charge. A week later they added the fraudulent charge of {$4200.00} back to my account on XXXX XXXX which is my birthday. My birthday was pretty much ruined by this. You would think they would side with the customer in this situation with charges uncharacteristic with my normal spending patterns. In situations like this the big banks can be unsupportive to the customer. Smaller credit unions are the way to go when it comes to support. Credit unions like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are usually accommodating to the customer. The big banks are a mafia.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hello, I reached out to XXXX in order to exercise my right to " Opt Out '' of sharing my nonpublic information with nonaffiliated third parties. According to two of their representatives, XXXX being a supervisor by the name of XXXX, I was basically told that as a consumer I have no such right. So I even took the time to read what the law states according to 12 CFR 1016.10 ( a ) ( 1 ) ( 2 ) ( 3 ) ( b ) to her, which details how I was supposed to be given such notice at the time of the loan or soon there after, which I have NEVER received.This was quite disturbing to me, so therefore I tried to explain to them that, I as a consumer, definitely have such a right. I also explained the fact that I am NOT trying to avoid my obligation, I just simply would like to exercise my legal right of not having it reported to nonaffiliated third parties as the law clearly states I have the right to do. After we went back and forth about it, she checked with her superiors and returned with pretty much the same answer from them. I'm not sure if everyone there is just simply oblivious to the laws concerning this issue but it is something that really needs to be taught to those who are responsible for the handling of a consumers nonpublic information.

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 2022-11-04
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Mr. Cooper has not initiated foreclosure, but threatens to weekly. My complaint is with their tactic of not applying overages towards satisfying outstanding balance on my mortgage, and instead withholding the overage ( partial payment Unapplied ) in a zero-interest escrow account that they wont apply to a Shortage until the complete Amount of said shortage is submitted. In my case, they are sitting on over {$1200.00} they should refund to me. Im going to ask for it back again today as the payment ( w penalty ) is not due for 30 days from XX/XX/22. Im short on cash given they were sent {$2500.00} of my {$3000.00} pension, leaving me little cash for food, utilities, transportation and the like. This is a tactic designed to push me to modify my loan ( which will take XXXX months total to complete ), and foreclose in the meantime. As the nations # XXXX mortgage lender, this company must be scrutinized to a higher degree! They are doing whatever they want and DC seems satisfied to let them proceed! Please, look into their partial payment unapplied scheme?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened Capitol One Venture X credit card account for the sole purpose of utilizing the advertised benefits that the card was offering, specifically but not limited to the use of Priority Pass and all inherent secondary attributes. Capitol One Bank vigorously advertised the Venture-X credit card in this manner in order to attract business. 

After opening the account, paying the substantial annual fee, and applying a modest balance, I used the card successfully for approximately 1 month. Shortly thereafter, locations which accepted Priority Pass benefits intentionally forbade and denied said benefits to its members ( in good standing and without warning ) that utilized the Capitol One Venture-X Card. Furthermore, Priority Pass discriminated against ONLY Capitol One members and no others, placing the onus of ethical integrity squarely on Capitol One Bank. Priority Pass offered no recourse and instead blamed Capitol One for its denial of advertised benefits. 

After reaching out to Capitol One to rectify the situation, which now was clearly misleading if not a blatant violation of implicit contract, perceived, real, or otherwise falsely advertised, Capitol One refused any relief. 

As such it is reasonable to assume through a preponderance of evidence that Capitol did engage in unethical and nefarious predatory lending practices in order to attract a specific customer base, capture substantial windfall monetary profits in annual fees and balance accruals, and thenceforth deny the benefits used to attract said customer base. Payments to a non-credible, malicious lender have ceased until a resolution can be obtained. 

Caption One has since engaged in a campaign of harassment, collection agencies, unrealistic fees, interest rates, and numerous negative credit reporting in order to extort the consumer into paying. 

Capitol One has has refused to rectify the situation despite the consumer ( me ) reaching out in a good faith effort to pay the balance to zero without penalty and relief from the contract which no longer is as advertised. I have verbally advised Capitol One Bank of my intent to file a regulatory complaint, to which they did not change their position.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX made a online purchase with XXXX XXXX XXXX  company later i cancelled my order over the phone and online aswell was told by a customer service rep i wouldn't be charged anymore for the items since i was cancelling the order later on XX/XX/XXXX i found out i was still charged due to a technical error now im fighting the charge to get my money back because i had found another deal this is completely unprofessional and unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Experian Information Solutions Inc.
State: OH
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:
In accordance with Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1691s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation