BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-17
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I worked with XXXX XXXX at CIT ( www.cit.clm ) to get a mortgage ( loan ID XXXX ). We were not able to close. He told me that he is going to refund my application fee of {$500.00} ( I have an email from him showing his promise ). However, he didn't. I put a stop on the credit card payment. However, CIT is disputing this and my credit card company is not responding to me. They have already taken the money out of my account. Kindly help. 

The company is called OneWest Bank, a division of CIT Bank, N.A. located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have three Credit Cards with Capital One and have been having issues since XX/XX/XXXX with my online services. Anytime you open an new account ( credit card, savings, auto, etc. ) online you are required to create a new user ID and password. I have never had a problem with this because you can combined the user accesses into one login, until now. I have contacted Capital One over five times and have gone into the branch to try and resolve this. They can not  combined user access only the customer can. I have made several complaints but absolutely no one is contacting me. I have to be the one to call capital one and check on my status. This is getting old. Today I called again to inquire about it and they informed me there was noting they could do after being on the phone for over an hour. I asked to speak with someone else and they put me on hold and then they hung up on me. The customer service is some of the worst I have ever dealt with. This case was first opened on XX/XX/XXXX escalated on XX/XX/XXXX.  My ticket number that they are working on is XXXX. Also, another reason I want to combined user accesses is because I am trying to combined my two business credit cards into one. They both have an annual fee on them and if I get charged the fee on both then I am going to be very upset especially since I have been trying to resolve this issue for several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: COMMERCE BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I opened a Commerce bank checking account that offered a {$200.00} bonus for accounts opened before XX/XX/XXXX. The offer terms stated, " Get {$200.00} for opening a new Commerce Relationship Checking account. '' The offer also stated that I needed to provide an offer code when opening the account, and I provided the XXXX offer code. The fine print also said that my account must be in good standing for a full 90 days after opening. A couple weeks ago, I received a letter in the mail, dated XX/XX/XXXX, stating that my account was being closed for inactivity. My account was only active for 31 days, which does not seem like an unreasonable amount of time for no transactions to occur. I called Commerce to ask about it, and they initially said that didnt sound right. Last week, I received a call back, and the rep told me that Commerce Bank routinely close accounts set up online that dont have activity. My account was closed by Commerce Bank on XX/XX/XXXX. Since my account was closed before 90 days, I did not receive the {$200.00} bonus. 

The representative I spoke with told me I can keep my account open if I visit a branch. There are no branches near me, which makes visiting a branch hard to do. Commerce Bank allows online applications and allows accounts to be set up by residents of Illinois, so I find it unreasonable that I had have to visit a branch. It is dishonest to hold my {$5000.00} account deposit and earn interest on it, but then close the account after six weeks in order to avoid paying me the {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
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:
I am a victim of identity theft. There are several items listed on my report that do not belong to me. I have tried several times through disputes to have them removed ; yet they are still on my report. XXXX XXXX XXXX remains on XXXX and Equifax report. XXXX remains on XXXX, Equifax and XXXX reports. XXXX XXXX remains on Equifax report. And unauthorized inquiries remains on all three. I have attached my ID Theft form. Please remove these items within four business days as legally obligated under the FCRA. All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have sent out letters to open a dispute with Equifax and XXXX on XXXX XXXX of 2021. There is inaccurate accounts on my reports. Including XXXX XXXX  with a balance of {$12000.00}, XXXX XXXX XXXX with a balance of {$120.00}, XXXX XXXX XXXX with a balance of {$26000.00}, XXXX XXXX XXXX with a balance of {$13000.00}. Its been over 30 days since Ive disputed these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: SYNCHRONY FINANCIAL
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was making a purchase using PayPal and the misleading process led me down a rabbit hole that ended up creating a credit card with PayPal SYNC/PPC. This was completely unintentional. The credit card was opened on XX/XX/XXXX. On the same day, before making any purchases on this credit card, I immediately cancelled it with a PayPal representative on the phone who told me that it wouldn't impact my credit score in any way. My score dropped 49 points on XX/XX/XXXX once the closed account posted on my credit report. I've tried to reach out to PayPal directly with no success.

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 2019-06-14
Company: Sherloq Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made payment arrangements with XXXX XXXX XXXX XXXX and o have been paying the {$35.00} a month. I am sending messages and payment information in this email. 
Now I received a letter that SherlOQ is a collection agency assigned to take over for debt collection. I have an arrangement with XXXX which I am still paying and it is not right for this fraudt company SherLOQ to contact me. I live on a fox income and I am not of work and am barley able to pay my XXXX XXXX arrangement but I do pay it and not XXXX XXXX is reneging on the agreement. I do not have money for anymore payments. I want this company to stop contacting me as I am paying my bill at XXXX XXXX. 

Messages of payment plan acceptance : XXXX on XX/XX/XXXX This message is a reply to XXXX per your reply I will accept the payment plan to pay {$35.00} each month. 
XXXX on XX/XX/XXXX Ms. XXXX I have updated your account to reflect a payment plan. 
SYSTEM on XX/XX/XXXX This message was closed by XXXX My payments : Date Description XX/XX/XXXX Payment made ( through XXXX XXXX ) : {$35.00} XX/XX/XXXX Electronic statement sent : {$430.00} XX/XX/XXXX Payment made ( through XXXX XXXX ) : {$35.00} XX/XX/XXXX Electronic statement sent : {$470.00} XX/XX/XXXX Payment made ( through XXXX XXXXt ) : {$35.00} XX/XX/XXXX Payment made ( through XXXX XXXX  ) : {$35.00} XX/XX/XXXX Payment made ( through XXXX XXXX ) : {$35.00} XX/XX/XXXX Payment made ( through XXXX XXXX  ) : {$35.00} XX/XX/XXXX Payment made ( through XXXX XXXX ) : {$35.00} XX/XX/XXXX Balance updated : {$390.00} XX/XX/XXXX Payment made ( through XXXX XXXX ) : {$35.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: PNC Bank N.A.
State: IN
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:
TO WHOM IT MAY CONCERN, XXXX/XXXX/XXXX I SEEM TO HAVE A HUGE PROBLEM WITH PNC MORTGAGE COMPANY. THEY ARE NOT REPORTING TO THE CREDIT BUREAUS OF MY PAYMENTS MADE ON MY HOME AND THIS IS AFFECTING MY CREDIT. I FILIED BANKRUPTCY ON XXXX/XXXX/XXXX AND IT WAS CHARGED OFF ON XXXX XXXX. IN THE BANKRUPTICY IT CLEARLY STATES THAT I WAS KEEPING MY HOUSE AND HAVE BEEN MAKING ONTIME PAYMENTS FOR 3 YEARS AND 6 MONTHS. MY LAST LATE PAYMENT WAS ON XXXX XXXX, XXXX AM DISPUTING THIS. THEY WILL NOT ACCEPT A REAFERMATION AGREEMENT. MY LAWYER DREW UP AN REAFERMATION AGREEMENT AND THEY REJECTED IT BECAUSE IT WASNT DURING THE BANKRUPTYCY TIME PERIOD. I NEVER WAS GIVEN REAFERMATION PAPERS FROM PNC TO SIGN DURING THE BANKRUPTYCY, ENCLOSED ARE THE STATEMENTS FROM PNC MORTGAGE OF MY PAYMENTS MADE. I WANT TO THEM TO REPORT TO THE BUREAUS SO I CAN CONTINUE REESTABLISH MY CREDIT. 
Also. Please check to see if pnc mortgage was charging me interest on my home during this time period during the bankruptcy period! 
Please include credit report if possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: NAVY FEDERAL CREDIT UNION
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 I made a dispute claim with Navy Federal for an online order I made on XX/XX/2022 for goods not received. I have uploaded documents to Navy Federal portal from the merchant stating that an error has occurred and would be issued a refund for undelivered goods. I have not seen the refund credited back to me from the merchant therefore, I made a claim with Navy Federal to assist me with my account. I was asked if I wanted the items re-delivered to me or a refund and I requested the refund. The merchant has been paid twice once by me and the third party company that issued the refund for items they never delivered. The merchant has experience no lost due to the fact the items were paid in full by me and also refunded. 

Navy Federal is claiming no error occurred and refuse to credit my account. The goods purchased needs to be repurchased for my family and household purposes. Due to their claim of no error I have been charge for delivery fees and a tip for the driver for items never received. I should not be charged for any of these fees.

I have requested all information and documents from Navy Federal of their investigation in determining their claims that no error has occurred. Under the Fair Billing Act I should not be charge in the event of not having my items delivered to me. I am requesting that the error be corrected and if any finance or other charges related to my dispute to be credited back to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-14
Company: Eastern Revenue, Inc.
State: SC
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:
Ive spoken to all three credit bureaus in regards to this matter and to no avail the matter still hasnt been handled. My complaint is in regards to the original creditor selling my debt to a third party and they are both still reporting the debt. First issue is the original creditor closed and sold the debt, yet they are still reporting to all three major credit bureaus and its hurting my credit, second, the third party collection agency are reporting a different open date, they are reporting a different amount than what the original creditor is reporting and they never sent out any proof of debt. By law, per fdcpa I have no obligations to the third party collection agency and I have a right as a consumer to protect myself and my credit. This is unlawful and inhuman to do this to an individual who is having a financially had time and to be reporting the same debt twice is hurting me financially, emotionally and physically. I cant move on with my life with these items constantly reporting to my credit. These items has to be removed from my credit report due to the violation ( s ). I am giving the respective companies 30-days to handle this matter, otherwise I will be forced to move forward legally.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: Exeter Finance Corp.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Request signature from Exeter due to telling them account doesnt belong to me. Exeter sent a Truth in Lending act with signatures that are not mine. Due to the issue ive taking possession of the vehicle from my XXXX XXXX due to correcting issue with Exeter due to the attempted to repossess the car after telling them intent to pay if provided loan paperwork. Because I asked from loan paper work they attempted to get a quick fix instead of handling problem civilly or verbally. Repeatedly Ive told representatives to provide paperwork so we can settle amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Winklevoss Exchange LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Look at the Original complaint ID XXXX with Gemini their only response since XX/XX/XXXX was to CFPB on XX/XX/XXXX they have Stonewalled me since. I just need Gemini to respond to me on how I can re-gain access to my account. I think that is a reasonable request! 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The account is declared Paid on my XX/XX/2018 credit report, but creditor will not provide written verification that the account is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I have multiple credit cards who are stating I owe a lot of money and yet they refuse to verify the debt. I dispute these debts as I do not owe them I asked them all to verify and send me itemized statements and they failed to do so There is 5 with XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one XXXX XXXX XXXX XXXXXXXX and XXXX and XXXXXXXX XXXX also state they will remove their items from my credit report and to date they have failed to do so I am XXXX as a result of these companies and they refuse to even send me itemized statements Some have even sued me at addresses I have not lived at in 7 years. They are trying to get me to pay someone else 's debt and/or they have the balances owed incorrect and refuse to verify anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Experian Information Solutions Inc.
State: SC
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:
Ive spoken to all three credit bureaus in regards to this matter and to no avail the matter still hasnt been handled. My complaint is in regards to the original creditor selling my debt to a third party and they are both still reporting the debt. First issue is the original creditor closed and sold the debt, yet they are still reporting to all three major credit bureaus and its hurting my credit, second, the third party collection agency are reporting a different open date, they are reporting a different amount than what the original creditor is reporting and they never sent out any proof of debt. By law, per fdcpa I have no obligations to the third party collection agency and I have a right as a consumer to protect myself and my credit. This is unlawful and inhuman to do this to an individual who is having a financially had time and to be reporting the same debt twice is hurting me financially, emotionally and physically. I cant move on with my life with these items constantly reporting to my credit. These items has to be removed from my credit report due to the violation ( s ). I am giving the respective companies 30-days to handle this matter, otherwise I will be forced to move forward legally.

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 2017-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Ive spoken to all three credit bureaus in regards to this matter and to no avail the matter still hasnt been handled. My complaint is in regards to the original creditor selling my debt to a third party and they are both still reporting the debt. First issue is the original creditor closed and sold the debt, yet they are still reporting to all three major credit bureaus and its hurting my credit, second, the third party collection agency are reporting a different open date, they are reporting a different amount than what the original creditor is reporting and they never sent out any proof of debt. By law, per fdcpa I have no obligations to the third party collection agency and I have a right as a consumer to protect myself and my credit. This is unlawful and inhuman to do this to an individual who is having a financially had time and to be reporting the same debt twice is hurting me financially, emotionally and physically. I cant move on with my life with these items constantly reporting to my credit. These items has to be removed from my credit report due to the violation ( s ). I am giving the respective companies 30-days to handle this matter, otherwise I will be forced to move forward legally.

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 2017-11-14
Company: Skopos Financial, LLC
State: SC
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:
Ive disputed this item through all three major credit bureaus and also filed a cfpb complaint and to no avail the company didnt respond in the timely matter. Its been over 30 days and by law they are required to remove the item from my credit report due to the lack of time of response. If we cant get this resolve I will be filing a lawsuit for violating my consumer rights per FDCPA.

Company response to consumer: Closed with explanation