BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-26
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have already filed a complaint against this lender. The case was closed, but the problem persists. I have faithfully paid my mortgage and also principle abatement payments every month. Since XXXX of 2019 I have made 6 payments of {$2300.00} the lender reversed one of them and is not crediting my account. The lender states that they have corrected any problems, yet my statements continue to show less than I have paid. All of the numbers are wrong, the principal balance remaining, the interest paid and still owing. 6 payments @ $ XXXX {$13000.00} yet my statement shows that I have only paid {$11000.00}. I am tired of chasing after this lender, this problem has only existed since they merged or were acquired and became XXXX. I insist this issue be corrected and a new statement sent showing what Ive actually paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
This afternoon XX/XX/2020 I called Capital One to make a dispute. Unlike all other major credit card companies, Capital One does not allow online dispute claims. Unfortunately, the male voiced person with whom I spoke, could not speak English coherently. Three times I asked him to spell his name, which was impossible to hear properly, Each time he responded with grunting sounds, such as XXXX  and XXXX. It is against the American public interest to be unable to communicate with a financial institution 's customer service personnel. I tried to explain that I was charged {$12.00} fee for the old auto battery, even though the merchant XXXX kept the old battery.. The Capital One rep obviously could not understand English, as he did not ask any questions, but merely said, as best as I could figure out from his sounds, that Capital One would send me a letter in 15 days refusing my dispute. There is NO CONSUMER PROTECTION when Capital One does not provide customer service who speak English properly..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed 2 disputes with USAA Federal Savings Bank on my Checking Account : -The first dispute was with XXXX XXXX for {$230.00} that was billed as an annual membership fee for their movie program -The second dispute was with XXXX for {$170.00} that was billed as an annual membership fee for their dining plan Both of these companies have furloughed up to 90 % of their staff, closed all physical locations, and are unavailable via telephone, their website, or email due to the COVID-19. I tried to contact both of these companies through all of the previously listed methods but was unsuccessful. 

I received a response from USAA that they were declining my dispute and told me that I needed to contact the merchants, which I am unable to do because the companies are closed. When I contacted USAA Federal Savings Bank about the declined dispute, they stated that they had an internal policy that " superseded the regulations '' and would not be processing my dispute. They directed me to contact the merchant, which I explained was impossible because they were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 2021-10-18
Company: EVERBANK, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/21 I contacted TIAA in order to close out any accounts I had open with them. The agent I spoke with said that the system will automatically clear out accounts but refused to actually close it, only that he would " ask to close it now '' while saying that it will most likely not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have already sent a dispute to this credit reporting agency and it still show my account regional acceptance as open when is it payed off. The account should be showing closed account

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 2020-06-23
Company: Synovus Bank
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX First Progress Card XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Re : Acct # XXXX To Whom It May Concern : First Progress Card is destroying my credit on a secured card and reporting incorrectly after several letters to correct their error thereby causing me credit denials. 

I have never owed First Progress Card any amount of money, I started with a secured card and called them to cancel within few months which they agreed. 

Upon further investigation, I have retained new copies of my credit reports and noticed that First Progress Card did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I took a secured card from your company with an amount of {$200.00} which I paid. I later called to let your company know I am no longer interested and as such, I requested my balance back which is {$110.00}. Yet your company refused to refund my money and put a charged off amount on my account by claiming I owe {$84.00} which I never did and has such destroyed my credit making it impossible for me to secure credits. Your reporting has been inaccurate and this will be my last registered letter before I file a small claim lawsuit if this issue is not resolved. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : States a Consumer Reporting Agency can not furnish an account without my written instructions.

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 2020-06-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received an account statement earlier this month from Home Depot.  The items were charged from XXXX and XXXX of this year. The total was {$4700.00}. I did not receive the products or services from Home Depot. I received billing in XXXX of this year. I subsequently phoned Home Depot to file a complaint. Home Depot did not accept my complaint.

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 2018-03-16
Company: The Outsource Group, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 : XXXX " Calling from XXXX, this is a debt collector on behalf of XXXX XXXX XXXX XXXX XXXX. This is a call from a debt collector. Please return our call at XXXX M-F during normal business hours. Thank you. '' Neither me nor my wife or kids have ever been to XXXX XXXX XXXX XXXX ever.

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 2022-10-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit Reporting act XXXX  Account # XXXX, XXXX and XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 SEction 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX and Experian are reporting inaccurate accounts on my report and have been for some time now. XXXX already took care of this matter a year ago but XXXX and Experian seem to be ignoring the issue. I am in the market to buy a home and I refuse to let the bureaus not doing their job be the reason I can't get one. I have children depending on me. REMOVE these erroneous inaccuracies from my credit report immediately. I will be attaching a copy of my credit report as proof that they aren't doing their job.

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 2021-11-05
Company: EQUIFAX, INC.
State: NV
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiry : XX/XX/2020 ; XXXX XXXX Inquiry : XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions Inc.
State: LA
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 filed a dispute letter in regards to the incorrect items on my credit report. Its been week over 30 days and I haven't received information or results.

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 2019-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 and Transunion are reporting incorrectly a joint account for the XXXX partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) I have not been associated with this account, nor has my name been on the loan, since 2011 and the account has since been transferred. This incorrect reporting is harming my credit score. Please delete this item from my credit report.

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 2019-06-26
Company: Experian Information Solutions Inc.
State: TX
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 ; Experian and XXXX are reporting incorrectly a joint account for the XXXX partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) I have not been associated with this account, nor has my name been on the loan since 2011, and the account has since been transferred. This incorrect reporting is harming my credit score. Please delete this item from my credit report.

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 2017-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I justified recently received a copy of my XXXX credit report I noticed there are a few accounts that are not reporting my history. They are showing no historical payment information since XXXX 2017. I would like to have my historical payment history report. Some accounts are 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 2018-01-15
Company: Cottonwood Financial Ltd.
State: TX
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:
On XXXX/XXXX/XXXX i received a call from XXXX from the number XXXX, the caller said he was calling about a debt from XXXX and when i asked for more info or to send me something over the mail he laughed and it said i was in position to demand anything and they were going to sue me. I hung up and then he called my employer asking him how it was possible he would employ someone like me? I called them again and he just said he had every right to do what he did because he called my work number and not my personal number. A guy by the name of XXXX XXXX XXXX promised to look into the issue and all he did was have the first caller call me again to work, thats 3 times in one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I submitted a complaint with CFPB on XXXX/XXXX/XXXX against Equifax the case number is XXXX. On XXXX/XXXX/XXXX the XXXX 's XXXX to the complaint via CFPB was the following : Equifax has reviewed your complaint and its records regarding your dispute. The disputed Bankruptcies case numbers XXXX, XXXX and XXXX are currently not reporting on the Equifax credit file. 

I called Equifax to get an updated report and the rep told me that all three bankruptcies are showing on my file. She also said that Equifax do not communicate with CFPB at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: ALLY FINANCIAL INC.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Ally sent me a bill statement in the mail XXXX saying i owe a alleged debt of XXXX. I sent them a letter back XXXX telling them that they claim is disputed also asked them for validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Ally did not respond to my letter keep sending bill statements. Also Ally put this on my Credit profile which is damaging my credit and hurting me as i try to apply for a house.

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 2018-01-15
Company: Ability Recovery Services, LLC
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:
XXXX XXXX XX/XX/XXXX 2017 {$1700.00} I have never enrolled in this school. I have tried to contact them on the matter with little to no information, I have also filed disputes and still nothing. I called the XXXX and started another dispute and now Im waiting. I had started receiving emails from them but had no idea of what they were talking about and the emails just kept coming.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The first problem I had is that I hired a lawyer using my Paypal debit Mastercard on XX/XX/2019. I paid the lawyer {$350.00}. The lawyer did not perform any services and I requested a refund multiple times by phone and through email, but my contacts were ignored. 

That's not why I am contacting the CFPB. I tried to dispute the debit card transaction through Paypal. It was my only way to try and get a refund after the lawyer refused to provide the refund. I submitted the dispute to Paypal on XX/XX/2019. At that time, I had already done everything I could to get a refund from the lawyer. Paypal kept saying they were reviewing my case, which I outlined all the times I tried to contact the lawyer by phone and I provided them with the emails I sent requesting a refund from the lawyer, showing that I did everything I could to solve the problem. Paypal reviewed the dispute and refused to even try and get my money back. The case was denied through them on XX/XX/XXXX. I could not prove a negative, which was the fact that the lawyer would not refund the money. I had called Paypal multiple times between XX/XX/XXXX and XX/XX/XXXX. They did not seem to understand the problem or want to help me dispute the transaction. 

What frustrates me is that the dispute is actually handled through Mastercard, so Paypal really didn't have to do anything but submit my dispute to Mastercard. They refused to do that and denied my case. So Now I have lost {$350.00} for services that were not performed by the lawyer and Paypal refuses to do anything to rectify my dispute.

I actually paid the lawyer using 2 payment methods. The other payment was for {$400.00}. I paid them using my Visa debit card issued by my bank. After I submitted the dispute to my bank, I received a credit for the amount 7 days later while the dispute was being worked on ( that dispute is still in process ). So not only did the other bank actually submit my dispute for processing, they actually gave me a credit in the meantime.

Company response to consumer: Closed with monetary relief