BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i signed up for autopay on the capital one company website back in 2015. At no fault of mine the company website was experiencing some problems and though it showed that the process was complete it really did not go through. Once I found out my next payment was not paid, I called capital one for a solution to the problem. They had me reapply for autopay with a rep to confirm it via telephone and they apologized promised me that they would not report it late on my credit profile. Capital One has consistently reported me as having a 30 day late payment on my credit since this occurrence. Ive called them At least 15 times of the past few years and they continue to not own up the their promise. This is horrible service and affecting my credit eligibility. This should be illegal, a verbal promise is a verbal contract and should be honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
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 15th Endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) # Credit Bureaus are required to remove any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are fraudulent. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Dear sir or madame, My Amex Membership reward points were frozen and the company did not solve the issue after I contacted them. 
From XX/XX/XXXX to XX/XX/2019, I had >140k MR points and there was a promotion of point transfer for XXXX points in Amex they refused me to do so. Amex representative asked me to talk to another department which did not help either. It is very frustrating.

Please help me to solve this. Many thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We had a second mortgage loan through XXXX where we had automated monthly payments of {$270.00} deducted from our bank account. Our loan was sold to Bayview Loan Servicing without our knowledge. We noticed that our payments had stopped being deducted from our account, and we contacted XXXX. XXXX then told us that our loan had been sold, but we were not given any details. We found out that Bayview now had our loan because we saw it listed on our credit reports. We have been in contact with Bayview regularly via phone over the last 2 years, and our account has been passed around to several different people within the company with no resolution. We were told that Bayview did not usually handle loans like ours, and they were going to try to sell it. Meanwhile, they would not accept payments on the loan, yet they have been reporting to the credit agencies that we have missed 23 monthly payments in the last 2 years. We have no contract, no letters, no statements, and no email correspondence. We have tried to dispute this through the credit report a couple of times, but nothing has been resolved or corrected. Bayview reports that all information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: EQUIFAX, INC.
State: PA
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:
XX/XX/2020 I requested verification of Bankruptcy from the Three Credit Reporting Agencies ( Equifax, XXXX and XXXX ). I did not receive an answer from any of the Three Agencies. 

XX/XX/2020, I requested and received confirmation from US Bankruptcy Court XXXX District of New York that they do not verify or report Bankruptcy filings to Credit Reporting Agencies. 

XX/XX/2020, I contacted XXXX XXXX for a Full File Disclosure. 
XX/XX/2020 XXXX XXXX provided verification regarding re investigation results and removed 3 bankruptcy cases from my XXXX XXXX Report. 

XX/XX/XXXX, sent Bankruptcy Court Letter, XXXX XXXX XXXX to XXXX, Equifax and XXXX XXXX to remove the Bankruptcies from my Credit Report. 

XX/XX/2020 received a letter from Equifax stating that they verified Bankruptcies with the US Bankruptcy Court XXXX District of NY and with XXXX XXXX and did not remove the incorrect and inaccurate Public Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello! 

I was making a purchase for a tool for the amount of {$530.00} with shipping included that was advertised on XXXX  app, agreeing with the seller to pay after he sent the tool, he sent me a copy of the receipt from UPS which turned out to be photoshopped. I called the UPS store and they never received any package from them. I have the copy of the email. 
I used the Chase app to send the money ( which turns out its their third-party service XXXX ) XXXX 
After finding out quickly that it was a scam I contacted Chase and spoke with the Fraud Department and with many supervisors which dismissed me and denied to help, the point is they all said that it is very common to have customers call about scams and fraud with their money transfer service, but theres not really anything being to done to prevent it, I asked to get a refund since its a service they offer through the Chase app, but they said to talk to the scammer or XXXX, well XXXX said that if I used the Chase app and not theirs, Chase are the ones responsible. 

I reported the issue with the police, XXXX, XXXX and Chase.

Chase are the only ones that can help by issuing a courtesy refund, and I, of course will NEVER use their money transfer service again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I finished school last year on XX/XX/2018. I did not get my diploma or show as a graduate until XXXX of that year. I contacted Navient today as I was told when trying to get a personal loan that Navient is reporting delinquent. I have not heard from them. They are claiming I am delinquent since XX/XX/XXXX of last year. 

How is this possible when you are granted a 6 month grace period from the time you graduate to start making payments? Plus the fact that they have made no attempts to contact me. My credit is now ruined because of them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Purchased home in XX/XX/XXXX for $ XXXX. We put down approximately $ 47k,  leaving us with a loan of $ XXXX, {$2800.00} a month. In, XX/XX/XXXX I fell sick and was diagnosis with XXXX XXXX XXXX XXXXXXXX ( XXXX ), ( XXXX XXXX ). This cause me to go out on temporary State XXXX, which at time my income dropped sufficiently ( 65 % of my regular income ) ultimately causing me to fall behind on my mortgage. I support my wife & our XXXXY old son. After multiple attempts with Wells Fargo & Keep Your Home California both have continued to deny my attempts for mortgage assistance. In XX/XX/XXXX I was forced to return to work full-time in an attempt to avoid foreclosure, even though I still must maintain XXXX XXXX every other day ( 4-hour XXXX ). I am sending what I can afford when I can afford. I am XXXXY old  with XXXX & trying everything I can possibly do to keep our home, the approximate value of my home is $ XXXX, so I have equity however, due to my bills falling in arrears I can not qualify for a loan. Wells last response was I should consider a, " short sale ''. HuH!?! what exactly are these " programs '' out there to " help '' consumers avoid foreclosure? How does one qualify for assistance??

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 2021-11-29
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on CALIFORNIA BUSINESS BU. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : CALIFORNIA BUSINESS BU XXXX Opened : XX/XX/XXXX Balance Owed : {$2500.00} ; CALIFORNIA BUSINESS BU XXXX Opened : XX/XX/XXXX Balance Owed : {$660.00}

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: OR
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on CREDIT COLLECTION SVCS. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : CREDIT COLLECTION SVCS XXXX Opened : XX/XX/2020 Balance Owed : {$200.00} ; CREDIT COLLECTION SVCS XXXX Opened : XX/XX/2020 Balance Owed : {$900.00} ; CREDIT COLLECTION SVCS XXXX Opened : XX/XX/2020 Balance Owed : {$220.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been a XXXX XXXX XXXX Credit Cardholder since XX/XX/XXXX. I applied for this low limit card ( {$500.00} ) because they advertised that using their card I would increase my credit. I used their card responsibly and during that time, I have never paid late or underpaid my card. I overpaid the card XXXX dollars in XX/XX/XXXX, and between XX/XX/XXXX and XX/XX/XXXX, I did not use the credit card. Still, on XX/XX/XXXX, I received an alert from XXXX XXXX that there was a derogatory mark on my credit history. 

I have not received any statements, e-mail, or phone calls from them. After I received the derogatory credit mark on my profile, I checked all statements online. I saw that in XX/XX/XXXX, the account XXXX dollars overpaid. Still, inexplicably without using the card in XXXX, I owed XXXX dollars and XXXX cents ( {$10.00} ), and XXXX XXXX reported me being 30 days past due for XXXX XXXX ( {$35.00} ). 

XXXX XXXX had the number of a bank account that I wasn't using, and it was not funded for months, they were attempting to withdraw the funds from that account without sending me statements. I asked them to remove the derogatory mark of my credit and still no response. 

They also claimed that I was enrolled in autopay but the account they were attempting to withdraw the funds was not being used and not funded for several months, they blamed me claiming that I did not remove the account from their profile.

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 2018-03-05
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They sent me a letter stating they have a judgment against me in a letter and it says to call them to set up payment plan. I was never served nor have I gotten any paperwork from a court. They are using this letter as a threat and that's how we took it. We got the letter onXX/XX/2018 amount XXXX and they said the cost for post judgment cost as well. File XXXX. Says in letter through XXXX court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
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: Investigation took more than 30 days

Complaint:
I filed multiple disputes with XXXX, XXXX, and XXXX  in regards to the incorrect items on my credit reports. It has been well over 30 days and I haven't received any investigation responses to my letters that I have sent to the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Crown Asset Management purchased debt from XXXX XXXX that I owed I paid the debt to Crown Asset Management however they are still reporting the debt as delinquent even after the debt has been paid as of XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have tried for 2 days now to get a credit freeze off my account. I have called at least 4 different # s can't get a human, tried every different option on their menu to no avail. waited on hold for 15 min.s several times before hanging up. this is ridiculous and I feel on purpose because we are not PAYING for credit freeze! PLEEEEEZE do something about it? im not the only 1 I just read on line a woman said she had been trying for 2 mos.s! I need this removed NOW im trying to get a credit card that I NEED! thank you please FINE them until they correct their abusive behavior!!!!!!!!!!!!!

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 2019-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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 sent a letter to CAPITAL ONE BANK USA NA asking them to have my credit card tradeline remove once payment was received and paid in full however the account does shows {$0.00} balance as of XX/XX/2017 however per agreement the account was never removed from any of the 3 major credit bureau and after 3 attempts i have not yet received any results and it still showes negative which is causing me to have a negative credit profile i ask that you please remove this paid but negative account from my report so that i may have a positive credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
Citi Bank issued me a XXXX for the chaged off balance and still reporting full balance of {$8200.00}. 
On XX/XX/2019 Disputed to 3 credit Breau 's and came back verified as correct 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 explanation
Consumer complaint received 2018-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery They are calling me 2-3 times a day from numbers all over the country but recently, they have gone local ... XXXX and even right here in my city of XXXX. I asked them where they were calling from and of course they repeat " Portfolio Recovery '' and I say, " No, what city and state '' and I get " West Virginia ''. I say, " How are you calling from a XXXX number, then? '' I get, " Oh, we have numbers all over the country. '' This, of course, allows them to contact you way more than they are suppose to be doing, so it's harder to prove that it is them. I can certainly call up my phone log and highlight the calls if need be. I'm just really tired of this. If they want to contact me, that's fine but to get me to answer in the middle of work by sending their number as a local number is not cool. I think it's an emergency or something with family and I take it and this all goes on during my work time. I asked them not to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
O
n XX/XX/XXXX I enrolled in EquiFax XXXX program due to a concern about my private data being breached. I was asked to provide credit card information. On XX/XX/XXXX, I attem
pted to access my XXXX account- error message stating " we are unable to activate your account '' On XX/XX/XXXX, I called and self identified myself, yet I am still unable to activate my account. Supervisor XXXX in " Authentication Department '' was unbothered and lacked motivation for my Identity being compromised.
After self identifying myself via live conference with customer service, and online, I am still being told " we are unable to activate your account ''. I am concerned because my identity is potentially compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Cohen McNeile & Pappas, PC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a garnishment against my social security XXXX from my banking institution, I applied for exempt from the debt due to the only income I have is from social security XXXX and the time frame to collect on the debt is pass the statue of limitation. The attorney initially denied the exempt. I went to court and the judge ruled in my favor that the debt was no longer collectable due to the statue of limitation and also allowed me the exempt on the debt due to my income only being from social security XXXX. The attorney refused to take the garnishment off of my bank account, which is causing me to accruing fees due to the fraudulent attempt of collecting.

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