BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2021, an electronic payment in the amount {$1000.00} was made from my Capital One Business Checking Account in the amount of {$1000.00} to my Spark Capital One Business Credit Card, which was received and noted. On XX/XX/2021, Capital One Bank decided to appartently mail a check in the amount of {$1000.00} to the Spark Credit Card again. There wasn't enought funds in the account to cover, which in turn I was charged a {$35.00} bank fee. A few hour later I had direct deposits of {$600.00}, {$240.00}, {$100.00} and {$80.00}, which Capital One took immediately to cover the funds that weren't there when they put the payment through for the second time. I have contacted the credit card company for the past three days and have been advised that they never received any second payment of {$1000.00}, which the attached statement shows. I have called Capital One Bank for the past three days and received three different answers. I spoke to XXXX today at Capital One Bank who advised me that he has no idea where my money went and can't explain what happened. Not a good enough answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-19
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: Account information incorrect

Complaint:
I have a XXXX XXXX XXXX  credit card that I paid-off in two payments, one for {$300.00} on XX/XX/2020 and for {$21.00} on XXXX. For some reason, the bank had a billing issue and XXXX XXXXXXXX XXXX can not verify the {$300.00} dollar payment. For that the bank decided to label my account as delinquency due to no payment received and later as charge off. 
First, they never send me a letter or notice to clarify the billing problem even when I paid off, I already probe it, they had the obligation to contact me to resolve this matter. Second, they should not just label and report to the credit bureaus my account as charge-off, that hits my credit score and credit liability ; this can not be a change off because, if the {$300.00} payment was returned -not the case- I made a second payment for {$21.00} dollars leaving the account in good standing. 
This is not confusing, the account received both payments on time and is XXXX balance, can not be a charge-off because it doesnt fit on the criteria to label an account as collection/charge off, such as delinquency and period of time without payments. 
I tired to resolve this issue with XXXX XXXXXXXX XXXX  several times but every time that I try the representatives get confuse and do not provide a real solution. I requested an investigation, in one call they told me a investigation was opened and in a different call they told me they can not open a investigation if I dont send bank statements to confirm the {$300.00} payment was made, in a different call they said they already made an investigation but not providing any results. I am tired of this and the worst is that the charge-off is hurting my credit score ; I am about to close escrow to purchase a home, this can prevent me to close it and losing thousands of dollars in home deposit.

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 2020-11-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My ex-boy friend purchased furniture at Ashely 's XX/XX/2016 I have been receiving calls from a debit collector and found the debit is in my name. I am working with XXXX XXXX at XXXX XXXX XXXX on a dispute. He gave me this email address www.ftc.gov and asked that I report it with the Federal Trade Commission then I was directed to this web site cfpb.

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 2018-02-04
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Filed multiple disputes with company about the validity of the debt. The company keeps sending me copies of credit card statements as proof of validation of debt. I have asked for something more concrete as a way for validating the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called this AGENCY several times and was toed to dispute the dedt.They never asked my name or why it was not my bill.The hang up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: The CFM Group
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a few phone calls from this number telling me that I had an outstanding credit card debt from 2016 I informed them that I didn't have any credit cards back then they started threatening me telling me that they needed an address so that I could be served papers and it was going to cost me another XXXX to XXXX XXXX in legal fees so I paid it on my credit card this is the name of the group and the phone number associated with itXXXX XXXX XXXX XXXX XXXX. I paid a total of {$1500.00} on XX/XX/XXXX. I've been doing a lot of research since then and found that I did not owe any debt and I'd like my money back

Company response to consumer: Untimely response
Consumer complaint received 2020-12-03
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am always getting confused with my father who lives with me. He is XXXX XXXX My bother is Jr. and I am the middle son. This is not my debt and I do not know what it is! I continue to dispute the debt with the credit bureaus but they have not helped me and I need help! 

and to make matters worse this collection company keeps updating this account monthly to refresh it to make it look like it is a new account!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: NCC Business Services, Inc.
State: FL
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:
Upon checking my credit report on XX/XX/2019, I observed unauthorized hard inquirys on my credit report with XXXX, XXXX and XXXX from a unknown companies such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. These hard inquirys was not authorized by me and was done without my consent. I have been a victim of fraud a while back and periodically check my credit report. I am requesting for these companies/ creditor to remove any inquiries associated with these companys above from my credit report. Attached is document showing that is on my credit report from all 3 credit bureaus and is damaging my credit. I have no service with them, havent applied for any service with them nor have any obligation as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Coastal Credit, LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a car loan with Coastal Credit LLC. I have had this loan since XX/XX/2019. My payment is due on the XXXX of every month. When I applied for my loan they asked me to provide references of people I know. I never should have done that. If the XXXX or XXXX comes and my payment has not yet been made they will harass me all day long with at least 5 calls minimum during the day while I'm at work. If I don't answer the phone, the next day they start calling all the references I gave them telling them its Coastal Credit and they are trying to contact me and I'm not answering the phone. Then they ask if the person knows where I am. Keep in mind my payment is only three days behind at this point. This is absurd. 
Also they keep demanding i MUST provide them with a a bank account number so they can set up a direct withdrawal. I will never do that for any debt. I am aware that the law is on the side of the creditor if a direct withdrawal is set up. 
I have never had any past due payments with them, no 30, 60, 90 days late etc. 
I have also requested that any further communication that Coastal Credit wants to make with me be by mail only, NO MORE PHONE CALLS to me or the references. 

The Coastal Credit person involved is XXXX XXXX Coastal Credit Account Representative XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Mr. Cooper Group Inc.
State: AE
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:
I am a military Service Member currently serving XXXX. Nationstar Mortgage LLC damaged my credit profile with derogatory information while I was XXXX to the XXXX XXXX serving with the United States XXXX in XXXX and XXXX. The adverse information is reflected as 120-days late and prevents me from obtaining a home loan or credit card. Nationstar Mortgage LLC should not have entered derogatory information on me while XXXX. My credit profile was coded for XXXX XXXX   XXXX during this timeframe. This is covered under the Service member 's Civil Relief Act ( SCRA ). Service members have 90-days after their return from the XXXX XXXX to rectify mortgage accounts. Credit restoration should be applied to this account immediately. I have attached a statement certifying XXXX military service and also Department of Defense ( DOD ) XXXX orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: CITIBANK, N.A.
State: FL
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:
Upon checking my credit report on XX/XX/2019, I observed unauthorized hard inquirys on my credit report with XXXX, XXXX  and XXXX from a unknown companies such as XXXX XXXX XXXX, Citi Cards CBNA, XXXX XXXX, XXXX XXXX  and XXXX   XXXX XXXX. These hard inquirys was not authorized by me and was done without my consent. I have been a victim of fraud a while back and periodically check my credit report. I am requesting for these companies/ creditor to remove any inquiries associated with these companys above from my credit report. Attached is document showing that is on my credit report from all 3 credit bureaus and is damaging my credit. I have no service with them, havent applied for any service with them nor have any obligation as well.

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 2020-07-08
Company: Experian Information Solutions Inc.
State: NC
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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

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 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2018-10-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with WELLS FARGO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WELLS FARGO with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/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 2018-02-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
Citizens Bank at XXXX XXXX XXXX XXXX, RI I rolled over a CD at this bank on XX/XX/2018 this was two days after its expiration and the assistant branch manager ( XXXX XXXX ) charged me an illegal {$50.00} early termination fee. I had to call and complain twice before it was fixed. Bank is shady and I have had problems with them in the past with illegal fees and aggressive sales tactics. 

I can provide documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a savings promotion with Citi Bank and used a promotion which said that {$400.00} will be credited if i meet the criteria of maintaining a balance of {$15000.00}. Account was opened on XX/XX/2020 and said amount was deposited initially. I used the chat service, and customer care and was told that i met all the conditions and the amount will be credited first on XX/XX/XXXX, then XXXX XXXX and finally they opened the case. I was told that the case will be resolved on XXXX XXXXXXXX, then XXXX XXXX and again on XXXX XXXX. Finally on XXXX XXXX, i was told that case officer checked and mentioned that wrong promotion code has been applied. They are not giving the promised promotion amount and are coming up with false excuses every time.

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 2018-10-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN
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 recently found out that my name was attached and associated with 3 consumer reporting agencies, XXXX XXXX, Chex Systems, and certegy. I have called certegy they have a check in the amount of XXXX that was wrote on XX/XX/2014, associated with my ID found this out while I went to XXXX to cash a check as I have been doing many years they cant verify an address on file NONE of the addresses i have given them is tied to me, I called early warnings they gave a bank account that was opened in 2014 with XXXX XXXX, I wasnt even in XXXX yet, I disputed this issue with them and they are saying its accurate and its not, I want my signature to be verified, and what ID and address was used, the same for Chex systems its so frustrating all of a sudden I cant cash checks at XXXX or XXXX due to fraudulent accounts Ive never wrote a check in my life and Ive NEVER had a XXXX XXXX account. I want this removed from my name, how is it even possible I got 2 different fraudulent items in 2 different cities I can ONLY be at one place at ONE time! I just want them to detach these accounts from reporting against me because they are NOT mines and I do not write checks let alone shop at target and never have I ever been declined to cash a check until recently. I want this fixed, its a negative on me and I do not like it especially since these accounts have nothing to do with 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 explanation
Consumer complaint received 2020-05-21
Company: BANNER CORPORATION
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX my husband and I opened a construction loan with Banner Bank for our primary residence. The loan amount was {$810000.00}. The construction loan was supposed to convert to a conventional mortgage automatically after completion of the home. Unfortunately, our builder walked off the project XX/XX/XXXX after destroying our septic Field causing {$50000.00} in mitigation losses. 

Banner Bank was notified that the builder had walked off the project and that I was working towards completion. Since XX/XX/XXXX, we have been paying for a monthly extension on our construction loan until we can obtain a Certificate of Occupancy. 

In XX/XX/XXXX, Banner Bank decided they no longer wanted to wait for the completion of our primary residence and converted our construction loan into a mortgage without our permission and without a Certificate of Occupancy. We are paying principal and interest on the entire amount of the construction loan even though Banner Bank refuses to release the remaining {$54000.00} until completion. 

Banner Bank has told us that the last 10 % of the construction loan funds could not be dispersed or reapplies to our principal until we received a Certificate of Occupancy and all liens are satisfied. They stated that the unused funds ( {$54000.00} XXXX would remain in an escrow account and we would still have to pay principal and interest on the escrow account. 

I have explained to Banner Bank that we are in litigation with the builder to have his unjustified lien released and that I havent been able to get a Certificate of Occupancy due to the county inspections being closed during the pandemic but they refused to hold off on the mortgage conversion. I also explained that this action puts us in undue hardship during the pandemic because we now have to pay for principal and interest on a property which we can not legally live in, homeowners insurance we do not qualify for since the house is not complete, and a higher amount of property taxes which will essentially sit in their escrow account. We are also locked into a 5 % interest rate 30-year-mortgage without the ability to refinance because we do not have a Certificate of Occupancy.

They have refused to explain how they can legally do this and when we were advised that this action could happen. Every time we ask to elevate this issue they ignore our questions and refuse to work with us to achieve a resolution. I have emailed the head of the mortgage/construction Department with no answer. The person who has been corresponding with me is XXXX XXXX, Assistant Vice President, Custom Construction Supervisor. She refuses to answer our questions and has told us twice to talk to our lawyer because Banner Bank is operating under standard practices in their industry.

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 2019-03-14
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2019 My lender is unable to obtain my credit report/score from Experian. Several attempts to upload copies of proof of ID onto their website as instructed resulted in error. Two ( 2 ) written requests to permanently unfreeze my account were submitted via U.S. Postal Service on XX/XX/2019 and included copies of the following ID 's as requested ; Driver 's License Social Security Card Passport Bank Statement Real Estate License On XX/XX/2019 I received a reply from Experian which included a report number as well as a personal ID number to use in order to unfreeze my account. However, an error was repeatedly received after many attempts. 

I have attempted to reach out to Experian in order to speak with a live person. However, this option is not available through their automated telecommunication service. Efforts made by my lenders to request a credit score/report have been exhausted. As well as my own attempts to permanently remove the security freeze. 

While my lenders are currently on hold, my loan application will soon expire. Therefore, it is critical for my lenders to receive my credit score from Experian without further delay. Your attention in this matter is appreciated. Thank you.

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 2019-03-14
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ability Recovery Services apparently states that they are collecting for XXXX XXXX XXXX XXXX, a debt that is not mine as I was never seen by those physicians. I disputed the debt when it first appeared on my 3 credit bureau reports in XX/XX/2017 as well as with the company. It was removed from my credit reports during that time. Then the debt was sold to XXXX XXXX who placed it on my credit report, it was again removed. It is now appearing a 3rd time being reported this month as a debt that is owed. The amount of {$180.00} appears each time. It is not a debt that I owe. I consider this harassment to have it removed each time. It should be illegal that they can keep reporting the same debt that is not mine in the first place and affecting my ability to buy.

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