BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am currently unable to transfer points to any transfer partners through capital one. I have noticed this issue around XXXX XXXX. I have about XXXX miles in the account that can not be transferred to transfer partners. This seems to be an issue with capital ones 2-factor verification. I can get into the account with XXXX authentication through text and I am even offered a call option or verification thought capital one. I can complete this, get a code, and plug it in. Once in my account on XXXX, I navigate to convert rewards. This opens up another verification page, prompting me to use a text code as my only option. When I click send code I am treated with a message that says, we are unable to verify this number, please use a different method which takes me back to the previous screen with only one method listed - text. I am also getting a pop-up that says this phone number is not a saved contact point. 

Some important details to note : I have been a capital one cardholder for about 5 years and have never had this issue before. My phone number and plan have stayed the same. 

I have called all week and no resolution other than 'we are working on it '. They assured me this was not an issue with my device but something across the board. No timeframe for resolution is given. This issue has been going on for almost an entire month. All of my information is the same and I have been left with the advice to " check back in 1-2months ''. I have been beyond frustrated with this issue as I have missed two award flight bookings because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I have read many times over the years that paying at least half of your mortgage payment XXXX weeks early will reduce your interest paid by a significant amount. I attempted this in more than one way with JpMorgan Chase but payments were not credited properly. 
My interest and principal payment is {$1600.00} monthly. I have always paid this on time and always with additional to principal. Initially by paying {$2000.00} by a few days before it was due on the first of the month. Then for my XX/XX/2023 payment, I increased the amount remitted to {$2100.00}, still in XXXX payment a few days before it was due on the first of XXXX. So far, so good. 
For my XX/XX/2023 payment, I began sending {$1000.00} on XX/XX/XXXX and {$1000.00} on XX/XX/XXXX. JPMorgan Chase credited both those payments to principal and nothing to interest due nor the additional to principal and charged me an {$81.00} late fee. When I called them on the phone, the representative told me that I had already paid the late fee, and it could not be reversed. I then went into a Chase Bank branch and sat with a XXXX XXXX XXXX who got on the phone with customer service. XXXX told us that if the payments were changed to automatic payment ( JPMorgan would debit my checking account from another bank ), the payments would be credited properly. They also said that they would reverse the payments and apply them they way I intended and send me a verification of the corrections. They never did send verification. 
So, I started automatic payments at {$1000.00} XXXX weeks before the due date of the first of the month and a second automatic payment a few days before the first. JPMorgan then applied the first payment to interest only making my second payment inadequate to pay the principal due. Another late fee of {$81.00}. I called customer service, we spoke, but the following month they held the first payment ( which again was XXXX weeks early ) as unapplied until they recieved the XXXX payment - contradicting what they had told me about it being applied to principal when recieved. 
I then started sending the entire payment due plus an additional {$470.00} ( {$2100.00} payment ) XXXX weeks before the due date. They mis-applied that to interest and again charged me an {$81.00} late fee. 
My most recent conversation with supervisor XXXX at ext. XXXX was that early payments can not be applied until they are due, though she was very helpful in analyzing what had happened and said she would research early payments and get back to me. 
I feel that early payments should be applied properly rather than negating their intended effect of ultimately reducing the principal and therefore the interest owed. The bank has my money and should have a process to apply it properly after my several attempts to explain my intention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting Act XXXX accounts has violated my rights. 

15 U.S.C 1681 Section 602 A states have the right to privacy 15 U. s. c Section 604 A Also states a consumer reporting agency can not furnish a account without my written consent or instructions XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, The Bureaus acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct XXXX XXXX, XXXX XXXX XXXX  XXXX acct XXXX XXXX, XXXX XXXX acct XXXX XXXX, XXXX acct # XXXX, XXXX  acct # XXXX, US Dept acct XXXX XXXX, XXXX XXXX XXXX  acct XXXX XXXX, XXXX XXXX acct # XXXX, XXXX  acct. XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX acct XXXX XXXX, XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX, and XXXX, XXXX XXXX XXXX  acct XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXXy acct # 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 2015-10-19
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is a continuation of a complaint I filed back in XX/XX/XXXX against Nationstar Mortgage LLC. The original complaint number was : XXXX. The situation recently has deteriorated significantly. I completed a deed in lieu with Nationstar on the property at XXXX XXXX XXXX XXXX XXXX MI. XXXX. The deed in lieu was accepted, I signed all of the closing documents with a notary at the credit union and after all was done and agreed to Nationstar sent me the " surrender of possession '' agreement as the final step. I signed the agreement and sent it back. Nationstar then took physical possession of the property, assumed responsibility for the utilities, property taxes and insurance. All was done. As referred to in the original complaint, as of XX/XX/XXXX I still had n't received my promised cash for keys check for {$3000.00}. I then asked what was taking so long and they admitted to me they did n't have an assignment of mortgage for the property. When I expressed obvious discontentment at this news, as that 's title fraud, they assured me all was well. It was their plan to get a power of attorney so they could solve this and we 'd be on our merry way. I have assumed since then that my involvement was no longer required as I 'd just have to wait for them to get the power of attorney and I 'd be getting my check eventually. As of XX/XX/XXXX, 15 months AFTER the deed in lieu was completed and executed, executed being the key word here, they are now harassing me to start making payments again or pay off the loan in full. I 've been turned over to collections and I 'm getting calls from Nationstar multiple times daily demanding I set up payment arrangements. I 've now received a document from Nationstar informing me they regret to inform me that my application for deed in lieu has been declined, reason being they ca n't clear the title. They ca n't " decline '' the deed in lieu as it 's already done and in the past. They have had possession of the property via the contract they executed for in excess of 15 months already. Their claim of " unable to clear title '' is outright lunacy. Of course they ca n't release me from the debt. By federal law the debt never existed in the first place. They never attained the assignment of mortgage for the property. At no point has Nationstar been legally authorized to collect money on that property. The assignment of mortgage has to be in place before that can happen. To this day, the mortgage for that property is still legally assigned to XXXX. This is the literal definition of title fraud. I 'm hoping there is a way to send documents with this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: PA
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I got the attached anonymous email from XXXX 's Chex Systems after I emailed them. They are being wholly evasive as to why their webportal did not/does not permit me to dispute what XXXX XXXX bank XXXX claiming is multiple, ( mysterious illicit ) " debit enquiries '' creating an unwarranted Chex Systems report on me. There should be no Chex Systems report on me at all.Chex Systems need to respond to the points herein and clear my name from their system or attach my Chex Systems report to their CFPB response and divulge the identity of whoever generated these mystery " debit enquiries '' and verify they are legitimate and were triggered by and authorized by me, and that their score they assigned me based on them, is legitimate and not disparate. I did not authorize them or, to best of my recollection, apply for any bank account except XXXX in recent years. 
Their email is deceptive in that it pretends I am not a verified user of the Chex Systems portal. 
As I already as stated in the attached XX/XX/2023 email to them, I signed up on their portal and verified my ID, which their portal acknowledged last week. 
I also on the portal requested my file last week and placed a freeze. Both of these facts were acknowledged and the portal stated that my file was en route to me by XXXX along with a freeze pin. This was last week. Nothing in my mailbox thus far. 
I then understandably tried last week to also switch my preference as to how to receive these documents, to online delivery, ( portal ), clicking on the portal button to change my preferences. I was dismayed to be rejected from that too, it demanded the pin that is supposedly en-route via XXXX Mail XXXX 
Aside from my initial question in attached email chain as to the mysterious multiple '' debit enquiry '' XXXX XXXX reportings that XXXX offered as cause for account opening denial, and apart from the still standing question of Chex Systems ' complicity in that, what is apparent now is a secretive company that implements catch XXXX circles of evasiveness and deception to avoid accountability and communication with consumers. 
c. 
XXXX XXXX XXXX XXXX XXXX XXXX Banking XXXX XXXX, and 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 explanation
Consumer complaint received 2023-11-10
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I received an email back on XX/XX/2023 notifying me that an account with Chime was opened and on XX/XX/2023 I received an email letting me know a debit card was being sent. I received the debit card about 7-10 days later. I received a email on XX/XX/2023 asking me to activate my new debit card. I received another email on XX/XX/2023 reminding me to activate my debit card. During this time I did receive the debit card and didnt do anything with it as I had no idea why I was sent the debit card. I didnt think anything of it until I started receiving emails saying money was being transferred to and from the account on XX/XX/2023. I contacted Chime yesterday XX/XX/2023 and spoke with XXXX and she was able to confirm an account was opened in my name. I confirmed I never opened the account. She closed the account and canceled the debit card. She emailed me a confirmation of the account and debit card being closed. I did contact all 3 credit bureaus and froze my credit with them. I didnt notice anything else opened in my name and my actual bank accounts remained untouched. Im just trying to be proactive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In good faith, I have been attempting to correct my consumer report. I have tried on several occasions to address the incorrect reporting on my consumer report with TransUnion. TransUnion has validated the following accounts on my consumer report as accurate, TransUnion has failed to prove that these accounts are accurate and verifiable, as these same accounts all show inaccuracies across all XXXX credit reporting agencies. 

The inaccurate and unverifiable accounts are as follows : XXXX F : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX XXXX : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX of XXXX : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX  : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX  XXXX : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX : XXXX [ Never provided proof of verification ] XXXX XXXX : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX XXXX : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] According to this law below, inaccurate or unverifiable information should be deleted from my consumer report : 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2023-02-15
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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX. XXXX XXXX Account Number : XXXX TRANSUNION XXXX. XXXX XXXX Account Number : XXXX I was checking on my credit report and found this accounts with incorrect information for having me a late payment. I was never late in paying my accounts. As shown above, it appears that I have late payments recorded in Transunion and XXXX with account name XXXX XXXX XXXX account numbers XXXX. Hoping someone will lend me a hand in updating and correcting the comments on my account ASAP! I don't want this will affect my reputation and will cause of serious harm not only my ability to establish credit and good interest rates but also to my character as a professional and as an individual. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon. 

I know for certain that this is a violation of the law as mentioned in the following : 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

And under 15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2023-07-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had an overdraft account at Wells Fargo that I did not open. I contacted the local branch and explained that I had not opened an account but the lady literally scoffed and made me feel stupid bc she said that would be highly unlikely to happen unless I had given someone my credentials and documents to open the fake account. I was so embarrassed ask insulted because I did not do that. so it was sent to collection agency and threatened to put me in jail for the charges not to mention the charges at the stores where checks were written. I had to pay those if I ever wanted to shoo there again. but I honestly never did open up an account at Wells Fargo noone ever believed me and I happened to see the info about wells Fargo and their shady practices and it made me think about what happened to me

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 2023-08-26
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
( XXXX XXXX, XX/XX/XXXX  late payment reported to credit bureaus. ) In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
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 an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the TransUnion credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.

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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Review the attached documents. I request the bureau to initiate an investigation into these accounts where I am consistently on time, despite being reported as late.

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